Online Banking
We want your online and mobile banking to be easy, useful and enjoyable.
Our goal for Online Banking is to make your life easier. We work with our software developer to help you get the information you need quickly, with features like:
- A customizable Dashboard lets you put the tasks you do most up front.
- Accounts can be named and arranged in the way you recognize.
- Transactions can be sorted, downloaded, and searched.
- Alerts can be set up to text and or email for deposits, withdrawals, low balance and numerous other events.
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Get the Most From Your Online
Banking
DEFINITIONS:
- Dashboard: the first page of your online banking.
- Widget: A block of information or tasks that can be added to
the
dashboard.
When you login to online banking for the first time, only the Account List Widget is on your
dashboard.
To add more, navigate to the online banking function you want and select
That widget is now added to your dashboard. You can rearrange or remove widgets by
selecting icons above each item.
DEFINITIONS:
- E-Statements: the .PDF or digital version of our bank account
statement.
- .PDF: the most common file format of digital documents.
- E-Statement Activation Project: the online form used to set up
E-Statements only for your bank accounts.
When you login after any new bank account is added to your online banking, you will see an
E-Statement
Activation Project. The project has four steps:
- Select the account you want to be E-Statements only
- Verify your e-mail address (first time only)
- Verify you can read .PDF filed (first time only).
- Review and agree to the terms of service for E-Statements.
DEFINITIONS:
- Account Group: Batch similar accounts together, like Personal
vs
Business.
- Account Nickname: A Friendly name that helps you recognize an
account.
WHERE TO FIND IT:
- User Settings, then Account Options
Start by creating custom groups with the form at the bottom of the page. Enter the name of the group
you
want to create and select Add Group.
You can now assign each account or loan to a custom group.
You can also add a nickname to each account, like “Mel’s Checking”, or “Vacation Fund”.
Use the Hide option to select which accounts you no longer want to be visible (like closed loans).
DEFINITIONS:
- eAlert: A notification regarding any activity on your
accounts,
including deposits, withdrawals, low balance, new statement, etc...
WHERE TO FIND IT:
- eAlerts and Messages, then eAlerts
You can set up customized alerts about your accounts including balances, transactions and activity
to
you via email or text. Alerts sent to mobile numbers will be sent from (608)557-8426.
To create a new eAlert, select Create New Alert.
There are 17 different types of events you can set up a customized eAlert. Select the event type and
then set up the alert based on the available customizations. For example, if you select Check
Posted,
you can get a text message if a certain check number clears your bank account.
Alerts can be one time or every time an event happens, and can be sent via email, text message or
both.
Be sure to select Save when you have finished setting up your alert.
WHERE TO FIND IT:
- Accounts, then Accounts History
You can search and sort transactions for a set time frame from the Account History
screen. Go to Accounts, then Account History.
To Search Transactions: After selecting the correct bank account in the Account
field,
use the drop-down menu in the History field and select Search as the bottom of the list.
To Sort Transactions: After selecting the correct bank account in the Account
field,
use the drop-down menu in the History field and select time frame you want to view transactions
(i.e.
last 60 days). Select the column header to sort by date, description, check number, deposit or
withdrawal amount. Selecting the same column header again will reverse the order.
WHERE TO FIND IT:
Trends are a way to view your banking activity in a variety of graphs. It helps you get a visual of
your
income and expenses by account, date and even time. Select from nine different graphs like spending,
income, and net worth.
Downloading Statements &
Transactions
DEFINITIONS:
- E-Statements: The .PDF or digital version of our bank account
statement.
- .PDF The most common file format of digital documents.
- Paging: Subdividing a long list into blocks.
WHERE TO FIND IT:
- Accounts, then Account History then
Online Statements
In your Account History screen, you will see a top menu. Select Online Statements
to
get a list of .PDF bank statements going back to 2013 (or account opening). Select View to view only
or
Download to save a copy of the statement to your computer.
If you would like to see all statements in one list, select Remove Paging
DEFINITIONS:
- History Export: Downloading bank transactions to a preferred
format.
- CSV: A file format for Microsoft Excel that is simple and
readable
by many other programs. CSV stands for Comma Separated Value.
WHERE TO FIND IT:
- Accounts, then Account History then
History Export
In your Account History screen, you will see a top menu. Select History
Export.
Options:
- Include Running Balance - this will only export transactions from a custom
start
date until the current date, and in a CSV format.
- Start Date and End Date - time frame for transactions to download
- Transaction Type - Select All transactions or only debits, credits, or checks.
- Export Type - Select which program you are importing your data into, MS Excel,
Intuit Quicken, or Intuit QuickBooks.
Select Export to receive a downloaded file containing your transaction data.
WHERE TO FIND IT:
- Accounts, then Account History
In your Account History screen, after selecting the correct account and time frame, simply use the
print
page option from your internet browser to get a printer-friendly version of your account history.
You can sort transactions prior to printing. Select the column header to sort by date, description,
check number, deposit or withdrawal amount. Selecting the same column header again will reverse the
order.
DEFINITIONS:
- Intuit: The company that owns Quicken and QuickBooks software.
- Web Connect: Downloading a transaction history file to
manually
import into your software.
- Direct Connect: A way to automatically synchronize transaction
history between your online banking and your financial software.
WHERE TO FIND IT:
- Web Connect: Accounts, then Account History
then
History Export
- Direct Connect: User Settings, then Activate
Connections
Using Web Connect is covered under our Download Transactions help.
To create an ongoing connection to your online banking transactions with either your Quicken or
QuickBooks financial software, use the link below:
Activate Intuit Direct Connect
If you would prefer help, please email holmen@parkbank.bank.
Transfers, Bill-Pay and Loan
Payments
DEFINITIONS:
- Business Day: The date transactions will post to your account.
- End of Business Day: The time of day the bank changes
transaction
posting from current day to next business day. Park Bank changes business days at 3:00 pm.
WHERE TO FIND IT:
- Transfers, then One Time Transfers
Transfers move funds between your Park Bank accounts. To move funds from a Park Bank account to
another
institution, use our Bill-Pay feature.
Transfers (including loan payments) received by 3:00pm will be credited the same business day.
Payments
received after 3:00pm will not be credited until the following business day.
Select the account to transfer FROM and TO, as well as the amount of the transfer. Enter an optional
description that will show on both your online banking account history and your printed or
E-Statement.
Effective date is the business day you would like to have your transfer. If the date entered is
either
not a business day or after bank end of day, the transfer will post on the next business day.
WHERE TO FIND IT:
- Transfers, then Scheduled Transfers
- See One-Time Transfers for details on making transfers between
your Park Bank accounts.
To set up a regularly scheduled transfer between two Park Bank accounts, select the From and To
accounts, and the amount to transfer. Then select the Next Transfer (start date), the frequency
(i.e.,
weekly, monthly, annually), and how long you would like the recurring transfer too continue (until
cancellation, end on date, or end after number of transactions).
Be sure to click SAVE after making your selections.
A list of your scheduled transfers will now show on the screen.
Use the Scheduled Transfer History to see previous transactions.
DEFINITIONS:
- Bill-Pay: An additional app that transfers money from your
Park
Bank account to pay utility, credit card, or other bills, or to transfer money from Park Bank to
another financial institution. Bill-pay is included with Park Bank Online and Mobile banking.
- Business Bill-Pay: An optional app for businesses to add
additional staff with controls and to make payroll direct deposit payments.
WHERE TO FIND IT:
Bill-Pay
Bill Pay is for individuals and small businesses who want to make bill paying more efficient than
writing and mailing checks. Bill-Pay works from both online banking and our mobile app.
Bill Pay Plus limits are $7,500 for payments to companies and $5,000 for payments to
individuals.
Business Bill Pay
Business Bill Pay offers all the online features of Bill Pay Plus, plus EMPLOYEE DIRECT DEPOSIT and
SUB
USERS. Employee Direct Deposit allows you to pay employees by direct deposit with no additional
per-transaction fee. Sub users allow you to give limited access to your bill pay account for
bookkeepers
and support staff, without allowing total access.
Business Bill Pay limits are $80,000 for payments to companies and $2,500 for
payments
to individuals.
DEFINITIONS:
- Paying Down: Making extra payments to principal to accelerate
loan
pay-off.
- Pay Off Payment: Making a payment early in order to completely
satisfy the loan.
WHERE TO FIND IT:
- Transfers, then One Time Transfers
Making additional loan payments over the monthly regular payment is done using the One-Time Transfer
feature. When selecting the account TO transfer, select the loan account you with to pay down.
Loan payment transfers received by 3:00pm will be credited the same business day. Payments received
after 3:00pm will not be credited until the following business day.
If you are making a pay-off loan payment, please contact your loan officer or call Holmen at
608-526-2265 and ask for operations.
Getting Help
DEFINITIONS:
- Multikey: An additional security step during login, using
multiple
keys to get to your private banking information: User ID, three challenge questions, a personal
image and an encrypted password.
If you have forgotten your password, or if you suspect your password security has
been
compromised, you can use this link to request a password reset:
If you enter incorrect user ID, password, challenge question answers or select the
incorrect personal image too many times, your account will be locked out, and no further attempts
will
be allowed. If this happens, please contact the bank during business hours at 608-526-2265.
If you don't remember your user id, other multikey information, your account is locked out, please
give
us a call at 608-526-2265.
WHERE TO FIND IT:
- Accounts, then Account List
Your Online Banking account list will show all of the bank account and loans for
which
you are the primary or secondary owner. If there are other accounts which you feel should be listed,
please contact the bank at 608-526-2265. If authorized, we can create an association, so the
requested
account is in your list.
We want your online and mobile banking to be easy, useful and enjoyable. If you are
experiencing any issues with your online banking, please let us know.
For login, account lockout or other technical issues:
For issues with your credit or debit card:
For feedback or suggestions regarding Online, Mobile or Small Business digital
banking:
Security and User Settings
DEFINITIONS:
- Multikey: An additional security step during login, using
multiple
keys to get to your private banking information: User ID, three challenge questions, a personal
image and an encrypted password.
WHERE TO FIND IT:
- User Settings, then Change Password
If you have forgotten your password, use this link to reset your password: Password Reset
If you suspect your password has been compromised or for any other reason with to change your
password,
go to User Settings, then Change Password.
Your new password must meet minimum guidelines described on the Change Password page. Please read
those
requirements carefully before selecting a new password.
If you need to change your multikey answers, like challenge phrases or images, you can reset all of
those by selecting the Reset button at the bottom of the Change Password page.
If you need help with changing your password or resetting your multikey answers please give us a
call at
608-526-2265.
DEFINITIONS:
- User ID: A unique name, email address or word used to begin
the
login to your Online Banking.
WHERE TO FIND IT:
- User Settings, then Change User ID
If you would like to select a new User ID to login to your Online Banking, go to User Settings and
then
Change User ID. Simply enter a new User ID and select Change.
If you cannot login to online banking because you do not remember your User ID, or you would like
help
changing your User ID, please give us a call at 608-526-2265.
DEFINITIONS:
- Messaging: A way to send questions, information or files to
and
from Park Bank operations staff securely inside your Online Banking session.
- Operations Staff: Bank employees who handle bank back-office
functions like posting transactions, processing wire and ACH files, or resolving bank customer
issues.
WHERE TO FIND IT:
- eAlerts and Messages, then Messages
Any communication with bank operations staff that contains private financial information should not
be
sent via regular email. Using the secure Messages function inside Online Banking is a secure and
safe
method for exchanging information.
To READ a message sent to you, click on the Subject. Unread messages will be in bold.
To SEND a message, click the Create Secure Message link at the top.
- You can select a specific operations officer or leave it to ALL to send to all
operations staff.
- Choose from a list of Subjects or select Other if your question relates to
something else.
- Use the Attach File button to upload a screenshot or other file with helpful
information.
- Enter detailed information in the Message Body box.
- Select SEND when ready.
DEFINITIONS:
- Card Controls: Setting limits on the types or amounts of
transactions allowed on a debit card.
- Card Freeze: A temporary block of all transactions on a debit
card. The block remains in force until you unfreeze the card.
WHERE TO FIND IT:
- User Settings, then Control
User Card Controls to either turn off or add safeguards to your debit card.
- Freeze - Blocks All Transactions
- Set Transaction Limit - set a maximum dollar amount per card transaction
- Freeze International - Allow only purchase originating inside the United States
- In Person Only - Block all transactions except for in-person with card present.
Mobile Banking App
Your mobile banking app should do everything. Ours does, and more.
Our mobile banking app really is a “Fistful of Banking”. We pack the app with all the key functions and features of our Online Banking, PLUS some great mobile features:
- Mobile Check Deposit
- Customizable login options like face id, PIN, and swipe to enter
- Snap balance, hold and see account balances without logging in
- Freeze your debit card instantly.
Get it: 
Get the Most From Your Mobile Banking App
DEFINITIONS:
- Login Method: Shortcuts you can use to make logging into your mobile banking easier.
- Full: Requires you to enter your full password each time
- Pin: Use a 4-digit number instead of your User ID and password
- Swipe: Draw a pattern of connecting dots instead of your User ID and password
- Face ID/Unlock: Using your mobile device camera to match a registered face to login instead of your User ID and password
WHERE TO FIND IT:
- Main Menu (or Shortcuts), then Settings
You can select from multiple alternative methods to login to your mobile banking app. Under settings, see Login Options at the top of the screen. Select one of the available options. Your setting will take affect the next time you login.
DEFINITIONS:
- Start Screen: The first screen you see after login
- Shortcut Screen: A screen of Icons with the most used functions
- Main Menu: Three horizontal bars that expand into the app menu when tapped
WHERE TO FIND IT:
- Main Menu (or Shortcuts), then Settings
You can select from two screens as your first page for mobile banking:
- Accounts Screen - shows all of your bank accounts. Tap on any account or loan to view account details and transactions.
- Shortcut Screen - shows icons for the most frequently used functions in your mobile banking app.
All screens are available anytime by tapping the three horizontal lines at the top of the screen to display the main menu.
DEFINITIONS:
- Mobile Check Deposit: Depositing a check to your bank account via a picture, without taking the physical check to the bank.
- Presenting a Check: Attempting to deposit or cash a check.
- Endorsing a Check: Signing or other directions on the back of a check to be deposited. If you have questions on how to properly endorse a check, contact us!
WHERE TO FIND IT:
- Main Menu (or Shortcuts), then Deposits
Use your mobile banking app to deposit checks via a picture instead of bringing a check to the bank for deposit. Steps:
- Start by endorsing the back of the check to be deposited
- Tap Select Account to set the account for the deposit
- Enter the Amount of the check. This will be compared to the image of the check
- Tap Take photo of check for each the Front and Back of the check
- Add an optional description that will show on your statement and online transaction details
- Tap Submit when ready to deposit. Wait for confirmation before exiting the screen
- Write “Mobile Deposit” and the date of deposit on the front of the check
Mobile check deposit tips:
- High-quality photos of the check are the best way to make Mobile Deposits quick and easy. Make sure to have good lighting and a dark background
- Only check should be visible, no other objects or edges
- Weak wifi or cellular signal may prevent mobile check deposit from transmitting
- Deposit amounts limited to $2,500 per check and $5000 per day via Mobile Deposit
- Funds deposited from your phone may not be immediately available
- After the deposit is complete, keep your check in a secure location for 5 days, then destroy it
- Presenting checks after they have been submitted via mobile deposit may result in unnecessary fees
DEFINITIONS:
- Snap Balance: A way to see the balances in your accounts without logging in.
WHERE TO FIND IT:
- ENABLE - Main Menu (or Shortcuts), then Settings
- USING - Login Screen tapping the circular "$" icon
By enabling Snap Balance, you can “glance” at your account balances without completing a full app login. You can enable Snap Balance by going to Settings, then select the slider button to turn on Snap Balance. The next time you open the mobile app, a circular "$" icon will appear on the login screen. Tap the icon once to load a grid with your accounts and balances. Tap anywhere again to hide the accounts return to the login screen.
Snap balance will not work with Face ID/Unlock enabled.
Security Tips:
- Snap balance should only be enabled if you are the sole user of your device, and you have screen lock enabled.
- Balances will remain on the screen until you tap again. Be sure to hide balances when done reviewing.
Getting Help
If you are unable to login to your mobile app or app is not working as expected, please try the following:
- Verify you are using the correct login information and re-enter with care
- Check to make sure you have a strong cellular or WiFi signal
- Restart your mobile device
- Wait for a few minutes and try again. Sometimes updates can temporarily block logins
If you are still unable to login, call us at 608-526-2265.
Tips for Mobile Check Deposit:
- Make sure you have good lighting and a dark background
- High quality photos work best
- Only the check should be visible in the picture, no background patterns
- Deposit amounts are limited to $2,500 per check and $5,000 per day
If you need help with Mobile Check Deposit, give us a call at 608-526-2265
We want your online and mobile banking to be easy, useful and enjoyable. If you are experiencing any issues with your mobile banking app, please let us know.
For login, app connection or other technical issues:
For issues with your credit or debit card
For feedback or suggestions regarding Online, Mobile or Small Business digital banking:
Security and User Settings
WHERE TO FIND IT:
- Main Menu (or Shortcuts) then Settings
You can change your online banking password from your mobile app. From the Shortcuts screen, select Settings. Alternatively, from any other mobile screen, select the three bar Menu at the top, then select Settings.
- Scroll down to select Change Password.
- Before attempting your new password, be sure to read the listed password requirements.
Changing your password in the mobile app will also change it for your online banking.
If you need help with changing your password, give us a call at 608-526-2265.
DEFINITIONS:
- User ID: A unique name, email address or word used to begin the login to your Online Banking.
WHERE TO FIND IT:
- Main Menu (or Shortcuts) then Settings
You can change your online banking User ID from your mobile app. From the Shortcuts screen, select Settings. Alternatively, from any other mobile screen, select the three bar Menu at the top, then select Settings.
- Scroll down to select Change Password.
- Enter a new User ID. User IDs must be unique. A warning will appear if the User ID you select is unavailable.
Changing your User ID in the mobile app will also change it for your online banking.
If you need help with changing your User ID, give us a call at 608-526-2265.
DEFINITIONS:
- Login Method: Shortcuts you can use to make logging into your mobile banking easier.
- Full: Requires you to enter your full password each time
- Pin: Use a 4-digit number instead of your User ID and password
- Swipe: Draw a pattern of connecting dots instead of your User ID and password
- Face ID/Unlock:Using your mobile device camera to match a registered face to login instead of your User ID and password
WHERE TO FIND IT:
- Main Menu (or Shortcuts) then Settings
You can select from multiple alternative methods to login to your mobile banking app. Under settings, see Login Options at the top of the screen. Select one of the available options. Your new setting will take affect the next time you login.
DEFINITIONS:
- Messaging: A way to send questions, information or files to and from Park Bank operations staff securely inside your mobile banking app.
- Operations Staff: Bank employees who handle bank back-office functions like posting transactions, processing wire and ach files, or resolving bank customer issues.
WHERE TO FIND IT:
- Main Menu (or Shortcuts) then Settings
Any communication with bank operations staff that contains private financial information should not be sent via regular email. Using the secure Messages function inside your mobile app is a secure and safe method for exchanging information.
To READ a message sent to you, tap anywhere on the message. Unread messages will be in bold.
To SEND a message, click the PLUS icon at the bottom of the screen.
- You can select a specific operations officer or leave it to ALL to send to all operations staff.
- Choose from a list of Subjects or select Other if your question relates to something else.
- Use the Attachment line button to upload a screenshot or other file with helpful information.
- Tap in the Message box to enter detailed information.
- Select SEND at the top of the screen when ready.
DEFINITIONS:
- Card Controls: Setting limits on the types or amounts of transactions allowed on a debit card.
- Card Freeze: A temporary block of all transactions on a debit card. The block remains in force until you unfreeze the card.
WHERE TO FIND IT:
- Main Menu (or Shortcuts) then Card Control
Use Card Controls to either turn off or add safeguards to your debit card.
- Freeze - Blocks All Transactions
- Set Transaction Limit - set a maximum dollar amount per card transaction
- Freeze International - Allow only purchase originating inside the United States
- In Person Only - Block all transactions except for in-person with card present.
Digital Banking for Business
Additional Features for small business account holders
Small business customers get additional features with their online banking, mobile apps and bill-pay, including:
- Add additional users with selected access to accounts, actions, or transaction limits
- Request Wire Transfers
- Pre-order cash and coin
- Payroll employee direct deposit (when optional Business Bill Pay is added)
See below for help and tips on using your digital banking for business features or contact a Park Bank small business specialist to discuss your business needs.
Small Business Digital Banking Features
Additional Users and Permissions
DEFINITIONS:
- Additional User Account: Adding a unique login for staff or accountants to view and perform task within custom limits.
WHERE TO FIND IT:
- Administration, then User Administration
With a business online banking account, you can add unique logins for staff members or a third-party accountant to perform specific tasks within your set limits.
Go to Administration and then User Administration. You will see a list of current users along with the accounts, tasks and transaction limits for that user. To add a user, select Add New User at the top.
For each user, you can set the following:
- Account Permissions - which accounts do they have access and which transaction types are they allowed to perform.
- Online Banking Permissions - check boxes for the areas of Online Banking you are granting them access.
- Limit Permission - Set transaction maximum amounts. Setting an amount to zero prevents the user from performing that transaction type.
- Mobile App Banking Devices - choose to allow or block users from accessing your business accounts with our Mobile Banking App.
- eAlerts - Set up alerts you want only this user to receive regarding online banking transactions or balance amounts.
Select Save Changes at the bottom of the page when done.
The new user will set up their own password and multi-key login information the first time they login to online banking.
Wire Transfer Request
DEFINITIONS:
- Wire: Sending money electronically from one financial institution to another account at a different institution.
- Intermediary or Correspondent Bank: A correspondent bank serves as intermediaries for different banks, providing treasury services between sending and receiving banks, especially those in different countries.
- Template: Save destination bank information for future Wire transfers.
WHERE TO FIND IT:
- Transfers, then Wire Transfers
All wire transfers must be verified by bank operations staff before they can be completed. However, by using the Wire Transfer request form in business online banking, you can make the process faster.
Go to Transfers, then Wire Transfers. Select Create new transfer. Complete the form provided to send your request to Park Bank operations for verification.
NOTE - if you expect to wire funds to the same recipient in the future, prior to sending your request, select Create template for future use and assign a name to the template.
Business Bill-Pay
WHERE TO FIND IT:
Business Bill Pay offers all the online features of Bill Pay Plus, plus EMPLOYEE DIRECT DEPOSIT and SUB USERS. Employee Direct Deposit allows you to pay employees by direct deposit with no additional per-transaction fee. Sub users allow you to give limited access to your bill pay account for bookkeepers and support staff, without allowing total access.
Business Bill Pay limits are $80000 for payments to companies and $2500 for payments to individuals.
Stop Payment Request
DEFINITIONS:
- Stop Payment: An order for a bank to not cash a check or pay an electronic payment request.
WHERE TO FIND IT:
We are working on a feature to allow you to submit a Stop Payment order to the bank from Online Banking and the Mobile Banking apps.
Cash and Coin Orders
WHERE TO FIND IT:
- Cash Management, then Cash/Coin Order
Use the Cash/Change order form to pre-order currency before pickup. Select the account you wish to fund the order and fill out the form.