Welcome to Your New Digital Banking Experience

Consider this the official guide to your transition from the current Mobank Personal eBanking system to the new system.
Here's a sneak peak of Online Banking, plus tips and FAQs to help you prepare.

Important Dates

Mark your calendar and be prepared for these important dates.

*Updated - New Time*
2/17/2017 @ 7:00 p.m. CT
Existing Online and Mobile Banking goes into Read-Only mode.
2/21/2017
Early A.M.
Existing Online and Mobile Banking goes offline and will be inaccessible. The new Online and Mobile Banking goes live.

Important Service Changes

There will be some changes to existing services, some of which require you to take action before the system conversion for the best experience. Click the service name for details.

Action required prior to conversion for users of these services:

Important information for users of these services:

Need to talk to someone? Contact the eBanking Group at (816) 881-8270.

Getting Started

Once the system conversion is complete, you can log in to the new Online and Mobile Banking website using the same username and password you've always used.

After the system conversion, you can still log in to Online Banking at www.mobank.com.
To access Mobile Banking, you will need to download the new Mobile Banking app - Instructions Here.

Things To Keep In Mind

  • If your current password doesn't meet our security requirements, you'll be prompted to choose a new password.
  • You will need to accept the Digital Banking Terms & Conditions to proceed.
  • You will be prompted to set up security questions to help protect your account.
  • You will be prompted to accept the Terms & Conditions for services such as Bill Pay and Mobile Deposit upon accessing them for the first time.

If you have trouble logging in, try these tips:

Personal Users: Click on the "Need Help Logging In?" link and select "Forgot my password." You will need an active ATM or Debit Card to use this feature. If you don't have one, call the eBanking Group for assistance at (816) 881-8270.

Business Users: Call the eBanking Group at (816) 881-8270 to have your password reset.

Personal Users: Follow the "Unlock Account" prompt and enter the information requested to unlock your account and reset your password. You will need an active ATM or Debit Card to use this feature. If you don't have one, call the eBanking Group for assistance at (816) 881-8270.

Business Users: Call the eBanking Group at (816) 881-8270 to unlock your account and have your password reset.

Accessing Your Account

Online Banking with Bill Pay

Online Banking

The Online Banking website is accessible from your smartphone, tablet, or desktop so you can manage your finances whenever and wherever it's best for you.

For the best experience, we recommend using the most current version of Internet Explorer, Firefox, Safari, or Chrome.

Important Information

The existing Mobank Personal eBanking system will be placed into Read-Only mode on 2/17/2017 at 7 p.m. Central Time and will be replaced with the new online banking system by the morning of Tuesday, Feb 21, 2017.

Need to talk to someone? Contact the eBanking Group at (816) 881-8270.

Mobile Banking App

Mobile Banking

Handle most types of transactions right from your phone! Check your balance, pay bills, view transaction history, and even deposit checks with your phone's camera using our Android and iOS apps.

The iOS app is available for iPhone, iPad, and iPod Touch devices with iOS 8.0 or greater. The Android app is available for Android devices with an operating system of 4.0 and greater.

Important Information

The existing mobile banking app will be placed into Read-Only mode on 2/17/2017 at 7 p.m. Central Time. To access mobile banking after the system conversion on 2/21/2017, please see the instructions for your device below.

iPhone Users: You will get the new app as an update to your existing app on 2/21/2017. If you do not have automatic updates enabled, you will need to go to the app store to manually update your app.

iPad Users: You must delete the existing app from your device and download the new Mobank app from the App Store, beginning on 2/21/2017.

Note: If your device is running iOS 7 or older, you will not be able to download the new Mobile Banking app.

Android Users: You must delete the existing app from your device and download the new Mobank app from the Google Play store, beginning 2/21/2017.

Need to talk to someone? Contact the eBanking Group at (816) 881-8270.

FAQs

Filter the FAQs by topic using the menu.
Need to talk to someone? Contact the eBanking Group at (816) 881-8270.

All FAQs

You'll have access to 6 months of account transaction history. However our system is configured to display up to 18 months of history. As time passes, your transaction history will start to accumulate.
Deposit item images (teller and mobile deposit) and cleared check images will be available within your transaction history.
You will be able to view checking, savings and money market accounts, as well as CDs, mortgage, and loan accounts.
You will not be able to view any safe deposit box accounts, HSAs, or credit card accounts in Online and Mobile Banking.

If you currently access your credit card information by logging into the existing online banking website, please note that you will no longer be able to do this after the system conversion.

To make sure you have access to your credit card information after the conversion, you will need to establish credentials for the www.mycardstatement.com website prior to the system conversion.

Click here for instructions for creating new credentials.

Note: If you already have credentials established with MyCardStatement.com, there is no need to create new ones.

If you are currently enrolled in online statements, you will remain enrolled and you will not receive paper statements.

If you are not currently enrolled in online statements, you can still access your statements online, but you will also receive a paper copy. To stop receiving a paper copy, you must turn off paper delivery. You can manage your preferences by choosing Statements and Tax Forms from the Actions & Tools menu in Online Banking.
No, loan statements will not be available online. If you are currently enrolled in online loan statements, paper delivery of your loan statements will resume after the system conversion.
You can access up to 7 years of online statements.
You must log in to Online or Mobile Banking to access your online statements.

If you are enrolled in online statements, you will receive an email and push notification to let you know when your statements are available online.
We make year-end tax forms (1099s and 1098s) available in Online & Mobile Banking.
No. The transfer template feature will be discontinued.
Transfers that comply with the system's transfer rules will continue to be processed as scheduled.

Additionally, any transfers you have scheduled that comply with the transfer rules will be moved to the new system. Please see the next FAQ for more details about the types of transfers that are permitted within Online and Mobile Banking.
You can conduct the following funds transfers among your Mobank accounts:

• Checking to Checking
• Checking to Savings
• Savings to Checking
• Savings to Savings
• Checking to Personal Installment Loan
• Checking to Personal Line of Credit
• Personal Line of Credit to Checking or Savings
Yes. You'll be able to schedule recurring transfers in Online Banking and the Mobile Banking app.

You'll also be able to schedule recurring transfers for every 4 weeks and every other month, in addition to all the frequencies you can currently schedule.
Initially you will have access to up to 6 months of Online and Mobile Banking transfer history. We display up to 24 months of transfer history in Online and Mobile Banking, so as you accumulate more history you will see more than 6 months.
The cut off time is 10 p.m. Central for same-day credit on transfers. Funds transferred after 10 p.m. Central, or on weekends and holidays, will be processed on the next business day.
Yes, your completed and scheduled transfers will have an entirely new confirmation number after the system conversion.
The eBill service will be discontinued at 7pm CT on 2/17/2017. For the best experience, you should un-enroll from eBills for all of your payees prior to eBills being discontinued. To un-enroll, follow the instructions below.

1. Log in to your current online banking website and access bill pay.

2. Click on the menu control icon next to the Payee for which you wish to cancel eBills. (highlighted in the image below)



3. Select Cancel e-bill



4. Click Submit to complete your un-enrollment.

Bill Pay will be unavailable in the current Mobank Personal eBanking system beginning at 7pm CT on 2/17/2017.
Yes. You will need to accept the Bill Pay Terms & Conditions when you access Bill Pay for the first time in the new system.
Currently, both ACH and paper check payments are debited from your account on the payment's "send on" date. After the system conversion, ACH payments will continue to be debited from your account on the "send on" date. However check payments will be debited from your account at the point when the merchant negotiates the check.

Additionally, check payments will be drawn directly off your account using your bank account number and routing number.

Note: Bill Payments sent via paper check will have a starting check number of 9000 and will increment up.

On 2/17/2017, Electronic Bill Payments to Individuals will be discontinued. However, you will have the ability to send payments to individuals by paper check.

For the best experience, please delete these payees prior to the system conversion on 2/17/2017 and re-establish them as paper check payees.

Note: You will need a mailing address to set up these payees for paper check payments.

Important: Any individual payees you currently have set up to receive electronic payments will be deleted during the system conversion.

Once the conversion is complete, you may set up these individuals as payees in the new system and payments to them will be sent via paper check.

You can access up to 24 months of Bill Pay history in Online and Mobile Banking.
The cut off time is 8 p.m. For important information regarding the rules and cut off times for canceling and editing payments, please see the next FAQ.
• Payments submitted on business days before 3 p.m. CT can be canceled or edited prior to 3 p.m. CT
• Payments submitted on business days between 3 and 8 p.m. CT can be canceled or edited prior to 8 p.m. CT
• Payments submitted after 8 p.m. CT or on weekends or holidays can be canceled prior to 3 p.m. CT of the following business day
Not at this time. However, we plan to add this feature in 2017.
$25,000 per payment and $150,000 daily payment limit
After the system conversion, for your account security, we will automatically send alerts for the following events:
Payee added
Payee edited
Payment failed
Payment returned

Plus, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

These alerts will be sent via email. If you use the Mobile Banking app, you will also receive a push notification.
Not at this time. Any reminders you currently have set up will be deleted during the system conversion. However, we plan to add this feature in 2017.
Initially, you will be able to access 6 months of mobile deposit history (check images) within your account transaction history. As you accumulate more history, you will be able to view up to 18 months.
Yes, you will need to accept the Terms & Conditions when accessing mobile deposit for the first time after the system conversion.
The cut off time is 10 p.m. Central for same day credit on mobile deposits.
Your mobile deposit limit will be displayed within the Mobile Banking app.
If your deposit was accepted prior to 10 pm CT on a business day, your funds will generally be available to you the next business day.

Deposits made after 10 pm CT, or on weekends or holidays, will generally be processed the following business day with funds available the day following processing.

All deposit items are subject to review.
Yes! If you're already enrolled in Apple Pay, you can continue to use this easy service; no need to register again.

And, great news for business debit card holders - after the system conversion, your business debit card will be eligible for Apple Pay!
No. Text banking will be discontinued effective Friday, February 17, 2017.
Account email notifications will be sent to the primary email address you have on file with us.

Note: You will not begin receiving account alerts until you've logged in to online or mobile banking at least one time after the system conversion.
Most of your configured alerts will be re-created within the new system.
For a list of supported alerts and alerts that will be discontinued, see the next FAQ.
The following alerts will be discontinued after the system conversion:
Daily or Weekly Transfer Summary
Recurring or Scheduled Transfer X Days in Advance
Transfer Changed
Weekly Available Balance
CD Maturing in X Days
Session Activity Email

Here's a list of all supported alerts:
Deposit Alerts
Deposit A deposit alert will be sent when a branch, ATM or mobile deposit exceeds the amount you set.
Direct Deposit A Direct Deposit alert will be sent when a direct deposit is posted to your account.
Incoming Wire Transfer An alert will be sent when a wire transfer is credited to your account.
Debit Card Return An alert will be sent when funds from a return of goods or services are re-posted back to your account.
Withdrawal Alerts
ATM Withdrawal An ATM Withdrawal alert will be sent when an ATM withdrawal exceeds a dollar amount you set.
Bill Payment A Bill Payment alert is sent when an electronic bill payment has posted to your account.
Check Posted Check Posted alerts are sent when a check posts to your account that exceeds the dollar amount you set.
Check Number A Check Number alert will be sent when a check posted to your account matches a check number you specified.
Debit Card Debit Card alerts are sent when a transaction has posted to your account that exceeds the dollar amount you set.
Online or Mobile Transfer You'll receive an Online or Mobile Transfer alert (withdrawal only) when an online banking transfer occurs and exceeds the dollar amount you set.
Electronic Deduction (ACH) Electronic Deduction (ACH) alerts are sent when an electronic draft is deducted from your account that exceeds the dollar amount you set.
Outgoing Wire Transfer An Outgoing Wire Transfer alert will be sent when funds are wired out of your account.
Account Status Alerts
Low Balance A Low Balance alert will be sent when your account balance falls below a dollar amount you set.
Daily Balance A Daily Balance alert will be delivered advising you of the balance on your account.
High Balance A High Balance alert will be sent when your account balance meets or exceeds a dollar amount you set.
You can manage your alerts in the Alert Center in Online Banking and the Mobile Banking app. Alerts can be sent via email or push notification to your mobile device.
No, any secure messages in the current system will not move to the new system.
If you currently use Quicken or QuickBooks for your personal financial management, your ability to update your money management software with your existing Mobank account data and transaction history will end on XX/XX/XXXX. It is important to update your Quicken or QuickBooks account prior to XX/XX/XXXX to prevent losing access to any information.
We support the following file types:
.QFX for Quicken
.QBO for QuickBooks, .CSV only

We will no longer support the following file types currently supported by Mobank: QuickBooks IIF, BAI2, Excel, & MSMoney

If you use one of these personal financial management solutions, you will need to take action both before and after the system conversion to ensure a smooth transition for your data.

Find the software you use and your connectivity method to download the PDF instructions.
Connectivity Method Quicken QuickBooks QuickBooks Online Mint
Web Connect Quicken for Windows 2014 - 2017

Quicken for Mac 2007

Quicken for Mac 2015 - 2017
QuickBooks for Windows

QuickBooks for Mac
N/A N/A
Express Web Connect Quicken for Windows

Quicken for Mac 2015 - 2017
N/A QuickBooks Online Edition Mint
Please contact the eBanking Group at (816) 881-8270.

Accounts & Transaction History

You'll have access to 6 months of account transaction history. However our system is configured to display up to 18 months of history. As time passes, your transaction history will start to accumulate.
Deposit item images (teller and mobile deposit) and cleared check images will be available within your transaction history.
You will be able to view checking, savings and money market accounts, as well as CDs, mortgage, and loan accounts.
You will not be able to view any safe deposit box accounts, HSAs, or credit card accounts in Online and Mobile Banking.

If you currently access your credit card information by logging into the existing online banking website, please note that you will no longer be able to do this after the system conversion.

To make sure you have access to your credit card information after the conversion, you will need to establish credentials for the www.mycardstatement.com website prior to the system conversion.

Click here for instructions for creating new credentials.

Note: If you already have credentials established with MyCardStatement.com, there is no need to create new ones.

Online Statements

If you are currently enrolled in online statements, you will remain enrolled and you will not receive paper statements.

If you are not currently enrolled in online statements, you can still access your statements online, but you will also receive a paper copy. To stop receiving a paper copy, you must turn off paper delivery. You can manage your preferences by choosing Statements and Tax Forms from the Actions & Tools menu in Online Banking.
No, loan statements will not be available online. If you are currently enrolled in online loan statements, paper delivery of your loan statements will resume after the system conversion.
You can access up to 7 years of online statements.
You must log in to Online or Mobile Banking to access your online statements.

If you are enrolled in online statements, you will receive an email and push notification to let you know when your statements are available online.
We make year-end tax forms (1099s and 1098s) available in Online & Mobile Banking.

Transfers

No. The transfer template feature will be discontinued.
Transfers that comply with the system's transfer rules will continue to be processed as scheduled.

Additionally, any transfers you have scheduled that comply with the transfer rules will be moved to the new system. Please see the next FAQ for more details about the types of transfers that are permitted within Online and Mobile Banking.
You can conduct the following funds transfers among your Mobank accounts:

• Checking to Checking
• Checking to Savings
• Savings to Checking
• Savings to Savings
• Checking to Personal Installment Loan
• Checking to Personal Line of Credit
• Personal Line of Credit to Checking or Savings
Yes. You'll be able to schedule recurring transfers in Online Banking and the Mobile Banking app.

You'll also be able to schedule recurring transfers for every 4 weeks and every other month, in addition to all the frequencies you can currently schedule.
Initially you will have access to up to 6 months of Online and Mobile Banking transfer history. We display up to 24 months of transfer history in Online and Mobile Banking, so as you accumulate more history you will see more than 6 months.
The cut off time is 10 p.m. Central for same-day credit on transfers. Funds transferred after 10 p.m. Central, or on weekends and holidays, will be processed on the next business day.
Yes, your completed and scheduled transfers will have an entirely new confirmation number after the system conversion.

Online Bill Pay

No, the eBill service will be discontinued at 7pm CT on 2/17/2017. For the best experience, you should un-enroll from eBills for all of your payees well in advance of 2/17/2017. To un-enroll, follow the instructions below.

1. Log in to your current online banking website and access bill pay.

2. Click on the menu control icon next to the Payee for which you wish to cancel eBills. (highlighted in the image below)



3. Select Cancel e-bill



4. Click Submit to complete your un-enrollment.

Bill Pay will be unavailable in the current Mobank Personal eBanking system beginning at 7pm CT on 2/17/2017.
Yes. You will need to accept the Bill Pay Terms & Conditions when you access Bill Pay for the first time in the new system.
Currently, both ACH and paper check payments are debited from your account on the payment's "send on" date. After the system conversion, ACH payments will continue to be debited from your account on the "send on" date. However check payments will be debited from your account at the point when the merchant negotiates the check.

Additionally, check payments will be drawn directly off your account using your bank account number and routing number.

Note: Bill Payments sent via paper check will have a starting check number of 9000 and will increment up.

On 2/17/2017, Electronic Bill Payments to Individuals will be discontinued. However, you will have the ability to send payments to individuals by paper check.

For the best experience, please delete these payees prior to the system conversion on 2/17/2017 and re-establish them as paper check payees.

Note: You will need a mailing address to set up these payees for paper check payments.

Important: Any individual payees you currently have set up to receive electronic payments will be deleted during the system conversion.

Once the conversion is complete, you may set up these individuals as payees in the new system and payments to them will be sent via paper check.

You can access up to 24 months of Bill Pay history in Online and Mobile Banking.
The cut off time is 8 p.m. Central. For important information regarding the rules and cut off times for canceling and editing payments, please see the next FAQ.
• Payments submitted on business days before 3 p.m. CT can be canceled or edited prior to 3 p.m. CT
• Payments submitted on business days between 3 and 8 p.m. CT can be canceled or edited prior to 8 p.m. CT
• Payments submitted after 8 p.m. CT or on weekends or holidays can be canceled prior to 3 p.m. CT of the following business day
Not at this time. However, we plan to add this feature in 2017.
$25,000 per payment and $150,000 daily payment limit
After the system conversion, for your account security, we will automatically send alerts for the following events:
Payee added
Payee edited
Payment failed
Payment returned

Plus, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

These alerts will be sent via email. If you use the Mobile Banking app, you will also receive a push notification.
Not at this time. Any reminders you currently have set up will be deleted during the system conversion. However, we plan to add this feature in 2017.

Mobile Deposit

Initially, you will be able to access 6 months of mobile deposit history (check images) within your account transaction history. As you accumulate more history, you will be able to view up to 18 months.
Yes, you will need to accept the Terms & Conditions when accessing mobile deposit for the first time after the system conversion.
The cut off time is 10 p.m. Central for same day credit on mobile deposits.
Your mobile deposit limit will be displayed within the Mobile Banking app.
If your deposit was accepted prior to 10 pm CT on a business day, your funds will generally be available to you the next business day.

Deposits made after 10 pm CT, or on weekends or holidays, will generally be processed the following business day with funds available the day following processing.

All deposit items are subject to review.

Apple Pay

Yes! If you're already enrolled in Apple Pay, you can continue to use this easy service; no need to register again.

And, great news for business debit card holders - after the system conversion, your business debit card will be eligible for Apple Pay!

Alerts & Text Banking

No. Text banking will be discontinued effective Friday, February 17, 2017.
Account email notifications will be sent to the primary email address you have on file with us.

Note: You will not begin receiving account alerts until you've logged in to online or mobile banking at least one time after the system conversion.
Most of your configured alerts will be re-created within the new system.
To see which alerts will be supported and which will be discontinued, see the next FAQ.
The following alerts will be discontinued after the system conversion:
Daily or Weekly Transfer Summary
Recurring or Scheduled Transfer X Days in Advance
Transfer Changed
Weekly Available Balance
CD Maturing in X Days
Session Activity Email

Here's a list of all supported alerts:
Deposit Alerts
Deposit A deposit alert will be sent when a branch, ATM or mobile deposit exceeds the amount you set.
Direct Deposit A Direct Deposit alert will be sent when a direct deposit is posted to your account.
Incoming Wire Transfer An alert will be sent when a wire transfer is credited to your account.
Debit Card Return An alert will be sent when funds from a return of goods or services are re-posted back to your account.
Withdrawal Alerts
ATM Withdrawal An ATM Withdrawal alert will be sent when an ATM withdrawal exceeds a dollar amount you set.
Bill Payment A Bill Payment alert is sent when an electronic bill payment has posted to your account.
Check Posted Check Posted alerts are sent when a check posts to your account that exceeds the dollar amount you set.
Check Number A Check Number alert will be sent when a check posted to your account matches a check number you specified.
Debit Card Debit Card alerts are sent when a transaction has posted to your account that exceeds the dollar amount you set.
Online or Mobile Transfer You'll receive an Online or Mobile Transfer alert (withdrawal only) when an online banking transfer occurs and exceeds the dollar amount you set.
Electronic Deduction (ACH) Electronic Deduction (ACH) alerts are sent when an electronic draft is deducted from your account that exceeds the dollar amount you set.
Outgoing Wire Transfer An Outgoing Wire Transfer alert will be sent when funds are wired out of your account.
Account Status Alerts
Low Balance A Low Balance alert will be sent when your account balance falls below a dollar amount you set.
Daily Balance A Daily Balance alert will be delivered advising you of the balance on your account.
High Balance A High Balance alert will be sent when your account balance meets or exceeds a dollar amount you set.
You can manage your alerts in the Alert Center in Online Banking and the Mobile Banking app. Alerts can be sent via email or push notification to your mobile device.
No, any secure messages in the current system will not move to the new system.
After the system conversion, we will automatically send alerts for the following events:
payee added
payee edited
payment failed
payment returned

And, you will be able to configure an alert to be notified every time an electronic Bill Payment is sent from your account.

Personal Financial Management

We support the following file types:
.QFX for Quicken
.QBO for QuickBooks, .CSV only

We will no longer support the following file types currently supported by Mobank: QuickBooks IIF, BAI2, Excel, & MSMoney
If you currently use Quicken or QuickBooks for your personal financial management, your ability to update your money management software with your existing Mobank account data and transaction history will end on 2/17/2017. It is important to update your Quicken or QuickBooks account prior to 2/17/2017 to prevent losing access to any information.

If you use one of these personal financial management solutions, you will need to take action both before and after the system conversion to ensure a smooth transition for your data.

Find the software you use and your connectivity method to download the PDF instructions.
Connectivity Method Quicken QuickBooks QuickBooks Online Mint
Web Connect Quicken for Windows 2014 - 2017

Quicken for Mac 2007

Quicken for Mac 2015 - 2017
QuickBooks for Windows

QuickBooks for Mac
N/A N/A
Express Web Connect Quicken for Windows

Quicken for Mac 2015 - 2017
N/A QuickBooks Online Edition Mint

Troubleshooting

Having trouble with something? Try these tips. If you still need help, contact the eBanking Group at (816) 881-8270.

Personal Users: Click on the "Need Help Logging In?" link and select "Forgot my password." You will need an active ATM or Debit Card to use this feature. If you don't have one, call the eBanking Group for assistance at (816) 881-8270.

Business Users: Call the eBanking Group at (816) 881-8270 to have your password reset.

Personal Users: Follow the "Unlock Account" prompt and enter the information requested to unlock your account and reset your password. You will need an active ATM or Debit Card to use this feature. If you don't have one, call the eBanking Group for assistance at (816) 881-8270.

Business Users: Call the eBanking Group at (816) 881-8270 to unlock your account and have your password reset.
These types of changes can be made by opening the Welcome menu at the top of Online Banking, as shown below.

Check out the Help with Page menu within Online Banking (shown below). This menu offers helpful tips for the current page.



If you get stuck, you can also send us a Secure Message using the My Messages link at the top of the page.

Troubleshooting for Quicken for Windows

Are you seeing duplicate transactions in Quicken for Windows after completing reactivation process? The instructions below will help correct this issue.

There is a preference available in Quicken for Windows - "Automatically add downloaded transactions to register. If this preference is enabled, you will need to delete the duplicate transactions in the register.

Have the duplicate transactions been accepted to the register?

No: They can be deleted one-by-one prior to accepting.

Yes: The can be deleted one-by-one OR multiple transactions can be deleted at one time.

To delete transactions, follow these instructions. (Click "Delete a transaction" link.)