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.
- How will Turtle Mountain State Bank Online Banking benefit me?
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
- How much does Online Banking cost?
Turtle Mountain State Bank’s Online Banking is FREE! Our free Online Banking offers features such as checking balances, transferring between accounts, viewing your check images, bill pay, and downloading your account information right into many money management applications. Talk to a Turtle Mountain State Bank representative today to learn more.
- What do I need to access Online Banking
You will need a connection to the Internet and one of the following Browsers:
- Microsoft Internet Explorer 7.0 or higher
- Apple Safari 4.0 or higher
- Google Chrome
- Mozilla Firefox
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.
- How do I enroll in Online Banking?
To enroll for Online Banking:1. Go to our website at www.tmstatebank.com
2. Click on the enroll button under the menu options
3. Read enrollment agreement and click on agree
4. Fill out the online form and Click on Submit
Within 3-5 business days after we receive your completed enrollment form, your password and sign-on instructions will be emailed to you. You will be required to change your password the first time you login to Online Banking.
- What is two factor authentication?
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
- Is Online Banking secure?
When you access Online Banking, you can be assured that you are in a secure environment where your account information is safe. Our Online 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’s Online Banking will automatically lock a user out if an incorrect User ID or Password is 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, regardless of keystrokes. Once ten minutes has elapsed, you will be taken back to a login screen.
- What can I do to increase security of the system?
Keep the password you establish confidential. Do not share it with anyone and avoid choosing a password that can be easy to guess. Always remember to "Sign Out" of Online Banking 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.
- Will TMSB ever need to request my login or pin number from me?
TMSB will NEVER, under any circumstances, email a customer requesting login or pin number information for verification or any other reason. Should you receive an email requesting this information, do not answer it and call your local bank office immediately.
- Can I change my User ID?
No, your User ID is assigned at the time your Online Banking account is setup. Once it is assigned, it cannot be changed. If you MUST have a different one, a new login will have to be created.
- Can I change my password?
Yes. Log into Online Banking and select ‘Options’ from the menu. Passwords can be changed by clicking ‘Edit’ and verifying the current password, along with providing a new password. Passwords are case sensitive and must be at least 8 characters long and contain at least one alpha character and at least one numeric character.
- What if I forget my password or get locked out?
Users have three tries to log in before their password is locked out. We do not have access to your Password once you have changed it on your initial login to Online Banking. However, we can reset your password if you remember your password, or we can give you a new password and email it to you. You can then change it to a password of your preference the next time you log in. Give us a call at (701) 477-5995 and we will be happy to help you.
- What if I forget my User ID?
We can look up your UserID. Give us a call at (701) 477-5995. We will be happy to help you.
- What if I cannot sign into Online Banking?
TMSB periodically performs 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 Banking should be available twenty-four hours a day, seven days a week. Should you experience problems signing into the system at any other time, please call us at (701) 477-5995.
- What if I get an error message?
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.
- How do I pay bills online?
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. TMSB will create the checks and mail them to the payees for you
- When are the transactions available to view via Online Banking?
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 6:00pm CST.
- What are the transaction cut-off times for Online Banking?
We only process transactions and update information on business days. Our business days are typically Monday through Friday. Transfers made after 6:00pm CST, will be processed on the next business day. Federal holidays are not included.
- How do I setup a one time or automatic transfer?
Login to your Online Banking 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.”
- How do I delete a one-time transfer or recurring transfer?
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.
- How do I see what I have done within Online Banking?
Log in to your 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.