Please feel free to refer to the following frequently asked questions in regards to Turtle Mountain State Bank Online Banking. If you have a question that was not stated here please contact us.
Q: What is multi-factor authentication?
A: Multi-factor authentication is a new enhanced security feature that helps protect you while you access your accounts online. The Federal Financial Institutions Examination Council (FFIEC) has issued new guidance for U.S. banks offering Internet-based financial services. These banks must offer multi-factor authentication to their customers by the year end 2006. For more information please click here.
Q: How will Turtle Mountain State Bank Online Internet Banking benefit me?
A: Turtle Mountain State Bank is striving to make banking as easy and convenient as possible for you. Online Banking allows you to access your accounts at your convenience via the internet from your home or office, twenty-four hours a day, seven days a week. In addition, we are providing Online Banking at no charge to our customers. You may use Online Banking to:
• Transfer funds between accounts
• Obtain balance information on accounts
• Review transactions on accounts
• Obtain interest information
• Make loan payments
• View personal checks
• Pay Bills
• Setup personalized reminders and alerts
Q: How much does Turtle Mountain State Bank Online Banking cost?
A: Turtle Mountain State Bank Online Banking is FREE! Our free Online Banking offers the basic features such as transferring and checking balances as well as more advances features which include viewing your check images on the spot and downloading your account information right into many money management applications.
Turtle Mountain State Bank Online Banking also offers extended features. These features offer many other very beneficial options for your online banking needs. These features include Automated Bill Pay, ACH Transfers to External Accounts, and many coveted Business features such as Positive Pay, ACH Payments and Wire Transfers Requests to name a few. Extended features may incur a small service charge. Talk to a Turtle Mountain State Bank representative today to learn more.
Q: How do I enroll for Turtle Mountain State Bank Online Banking?
A: To enroll for Turtle Mountain State Bank Online:
Within 3-5 business days after we receive your completed enrollment form, we will send out your password and sign-on instructions. You will be required to change your password the first time you login to TMSB Online.
Q: What do I need to access TMSB Online?
A: You will need a connection to the Internet and either Internet Explorer version 6.0 or higher or Netscape version 7.0 or higher. You must also have an account with Turtle Mountain State Bank and will need to enroll for Online Banking to receive an assigned User ID and Password.
Q: Is TMSB Online secure?
A: When you do your banking on TMSB Online, you can be assured that you are in a secure environment where your account information is safe. Our Internet Banking System uses industry standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol and 128-bit encryption. 128-bit encryption is the highest level of encryption currently available. Firewalls and filter routers act as security guards for your data passing back and forth to the computers. TMSB Online will automatically lock a User out if an incorrect User ID and Password are entered 3 consecutive times. If a user is locked out because they have exceeded the number of allowable password attempts, they must contact Turtle Mountain State Bank to be reset. There is a 10-minute time limit on any screen in TMSB Online, regardless of keystrokes. Once ten minutes has elapsed, you will be taken back to a login screen after the next selection is made.
Q: What can I do to increase the security of the system?
A: Keep the password you establish confidential. Do not share it with anyone. Avoid choosing a password that can be easy to guess. Always remember to "Exit" the TMSB Online system if you will be away from your computer. If you believe that an unauthorized user has obtained your User ID and Password, contact Turtle Mountain State Bank immediately.
Q: Will TMSB ever need to request my login or pin number from me?
A: TMSB will NEVER under any circumstances email you requesting your login or pin number for verification or any other reason. If you should ever get an email requesting this information, do not answer it, but call your local bank office immediately and tell them about it.
Q: Can I change my User ID?
A: No, your User ID is assigned at the time your Internet Banking account is setup. Once it is assigned, it can not be changed. If you MUST have a different one, a new login would have to be created.
Q: Can I change my Password?
A: From the TMSB homepage, under the Online Banking login area, click on the link that says “To change your password, click here”. Another window will open. Log onto your account from this page, but place a check mark in the box that says “Do you want to change your password” and then click on the Submit button. A screen will automatically appear for you to change your password. Your password must be at least 8 characters long and contain at least one alpha character and at least one numeric. Your password is case sensitive.
Q: What if I forget my Password or get locked out?
A: Users have three tries to logon before their password is locked out. We do not have access to your Password once you have changed it on your initial login to TMSB Online. However, we can reset your password if you remember your password, or we can give you a new password and mail it to you. You can then change it to a password of your preference the next time you login. Give us a call at (701) 477-5995 and we will be happy to help you.
Q: What if I forget my UserID?
A: We can look up your UserID. Give us a call at (701) 477-5995. We will be happy to help you.
Q: What if I can not sign into TMSB Online?
A: Turtle Mountain State Bank periodically has to perform updates to the Online Banking system. These updates are usually transparent to the end user or performed in the early morning hours between 12:00am and 3:00am to minimize customer inconvenience. Otherwise, TMSB Online should be available twenty-four hours a day, seven days a week. If you should experience problems signing into the system at any other time, please call us at (701) 477-5995.
Q: What if I get an error message?
A: If you get an error message, write down the message; then simply call the bank and we will work to resolve the problem as soon as possible.
Q: What accounts will I see?
A: All open accounts in which you have direct ownership are eligible for activation for your Online Banking account. You have the option of choosing which of these accounts you wish to view. Simply fill in the account numbers on the application form when you sign up and we will include them on your Online system. If you wish to add accounts later, simply fill out another form and note that you already have an account and just want to add an account. If you close an account, it will no longer pull up the information. You can simply call us and have us remove it from the Online system.
If you choose to sign up for the External Account extended feature, you will also see your External account information listed as well. You can transfer funds to and from External accounts. However, you will not actually see an available balance on external accounts.
Q: How do I sign up for External Accounts?
A: Signing up for an External account is easy. Simply log into your Online account. Click on the Transfer Button, then click on the External Accounts button. Print out the form, fill it out and mail or drop it off at Turtle Mountain State Bank. Please note: to be set up for an external account, you MUST include a voided check with the form.
Q: How do I view my checks online?
A: To view your checks online, simply log on to your online account. Choose the account you wish to view. You will notice the words view image behind your check number. Using your mouse, position the cursor over the words view image and click. An image of your check, both front and back will appear. If you wish to print this screen, simply press the print icon on the top of your webpage.
Q: How do I Pay Bills online?
A: If you choose to sign up for the Bill Pay extended feature, you can easily pay your bills online. Log on to your online account. Choose the “Pay Bills” button. You will first need to select the “Set up Payees” button to get your payee list created. Click on the “Add Entry” button and create a new one by selecting the starting letter of the Payee you wish to add, then, click on the “Add Entry” button again. You can then select a Payee from the scroll down list if the one you need is in there, or you can type in your own information. Remember that you need to fill if the bill is recurring or one time and verify that you have an account number and address of the payee also listed. Also, you can choose which account you want the money drawn from. The default is your primary checking account.
Once you have your payee list created, when you return to the Pay Bills page from that point on, you can simply check the payees you want to send a check to, fill in the date you want it sent and fill in the dollar amounts that you wish to pay. Click submit at the bottom of the screen and you are finished. Turtle Mountain State Bank will create the checks and mail them to the payees for you.
Q: When are transactions available to view on TMSB Online?
A: Transactions from a business day are updated Online at 4pm CST. After 10:00am and 1:00pm your accounts will also show pending items that have been presented from other financial institutions to us for payment on that day. Please note that additional items can still post to your account after this time and will not update to your internet banking account until 5pm CST.
Q: What are the transaction cut-off times for TMSB Online?
A: We only process transactions and update information on business days. Our business days are typically Monday through Friday. Transfers made after 3:30pm CST, will be processed on the next business day. Federal holidays are not included.
Q: How do I setup a one time or automatic transfer?
A: Login to your Turtle Mountain State Bank Online account, choose "Accounts" and "Transfer". Choose from the drop down boxes the accounts you wish to transfer from and to. Enter the amount of the transfer. Enter the first day you wish for the transfer to occur. Choose the schedule. For one time transfers, choose "One Time Payment". For recurring transfers choose from "Weekly / Every 2 Weeks / Monthly / etc.".
Q: How do I delete a one time transfer or recurring transfer?
A: Login to your TMSB Online account, choose "Transfer". Choose the “View Postings” icon. You will see your past and present transfers screen. If you wish to cancel a transfer that has not yet occurred, simply enter in the Transfer ID number in the space at the bottom of the screen and click on the “Cancel Transaction” button.
Q: How do I set up an alert?
A: Login to your TMSB Online account. Choose "Other Services" and "Q-Cards". Choose the account you wish to have the alerts sent on. Choose the criteria for "Send Me An Alert.” Use this to monitor end-of-day balances on DDA, Savings and Loan accounts. An alert is sent as an e-mail message when your account reaches a chosen balance. All Alerts will be sent to your email address. Please verify that the bank has your current email address at the bottom of the Q-Cards page. You can also check or make changes to your email address by going to Other Services > Change Address. The emails will be sent from Customer Service. To delete an alert go into "Other Services" and "Q-cards", click on the alert, delete the criteria and click Submit.
Q: How do I see what I have done within TMSB Online?
A: Login to your TMSB Online account. Choose "History.” Choose the account you wish to review, select a date range and click Submit. Note that you can also choose to export your history or view past statements in the history section of online banking.
Q: What is the envelope button with the "E-Mail" message beside it?
A: This button is on almost every online banking page. You can click on this button at any time to send an email to Turtle Mountain State Bank. Someone will get back to you as soon as possible.