Online Banking, Bill Payment and eStatement FAQs
Online Banking Questions
A. Online Banking allows you to view your Middleton Community Bank account information. Online banking also allows you to:
· Transfer funds between your Middleton Community Bank accounts
· View transaction history
· Make your loan payments
· Print a statement copy.
· View check images
· Pay bills online
Receive account alerts
Q. How do I enroll in Online Banking?
A. Simply go to the Online Banking Enroll page. If you are a consumer, (1) please click on the link provided, (2) identify yourself online, and (2) enter the required information. Enrollment is immediate. If you are a Middleton Community Bank business customer, you will need to complete an enrollment form that can be mailed or faxed to us. Or simply visit one of our branch locations to enroll. Middleton Community Bank will send you an Online ID and Password to use when logging on the system the first time.
During the first-time login, you will be asked to select a personal image/watermark which will display during your online session. You will be prompted to create your own unique Password. Your password must be a minimum of 8 characters and contain alpha, numeric and special characters.
Q. What if I forgot my password?
A. You can reset your password by using ‘Reset Password’ function. To enable this function you must enter a ‘Personal Question’, ‘Answer’ and ‘Email Address’ in the Options Menu. If you get locked out of Online Banking, click ‘Reset Password’ tab on the log in screen and enter your current Online ID and email address. Within a few minutes you will receive an email that will guide you through establishing a new password. You can also call us at (608) 824-3200 to reset your password.
Q. How current is my account information?
A. Online Banking offers you the most current balance and transaction information available. Most account information will show immediately as transactions are processed throughout the day.
Q. What is the difference between the current balance and available balance?
A. Your current balance is the account balance at the end of the last business day. Your available balance reflects funds in your account available for immediate use. Pending transactions that have not yet posted to your account may affect your available balance. Pending transactions items are identified as “MEMO” items in the transaction description in Online Banking. For example, when a merchant obtains authorization from us to approve your purchase, this pending transaction will affect your available balance and will show as a “MEMO” item. Once the final transaction from the merchant is processed/settled (also known as posted), the amount will be reflected in your current balance.
Q. Why is there a one dollar transaction on my account?
A. Some merchants will pre-authorize a debit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process could take 2-3 business days.
Q. How late in the day can I initiate a funds transfer between by Middleton Community Bank accounts?
A. All online banking transfer requests received before 6:00 p.m. (CT) on a business day will be processed that day
Bill Payment Questions
Q. What is Bill Payment?
A. Bill Pay is an online service that allows you to make payments to anyone, anywhere in the United States from your Middleton Community Bank checking account. Bill Pay allows you to build a unique personal Payee List online and schedule payments to be made one time, in the future, or on a recurring schedule.
Bill Pay not only saves you time, by not having to write those checks and making trips to the mailbox it also saves you money in the cost of stamps and the money you could save in late fees.
Q. How do I enroll in Bill Payment?
A. To enroll in Bill Payment, call (608) 824-3200.
How late in the day can I enter, edit, or delete a
When will the payee get the money?
How long is my bill payment history retained ?
Q. What are eStatements?
A. eStatements are the safe, secure way to view, search, save or print your account statements! No more need to save piles of them when a copy is just a few clicks away. Eliminate clutter, help reduce paper waste and save a tree!
eStatements are available for checking, savings and money market accounts. For your convenience, we will send you email reminders whenever a new eStatement is available. Statements are available in PDF, HTML and Text formats.
Q. How do I enroll in eStatements?
A. Signing up is quick and easy! Just login to Online Banking and follow the eStatements link.
Q. How long are my eStatements available through Online Banking?
A. eStatements are available for 6 months.
Are eStatements secure?
If I currently have my checking and savings accounts combined on one
statement will I still be able to view them that way once I enroll for
What if I want to print my statement?
How long can I view my statements online?
What are the benefits of enrolling on eStatements?
You won’t have to search for lost or misplaced statements. You can view six months’ worth of statements online and print them off at any time during that time.
What is the cost to enroll in eStatements?
What happens if I change my e-mail address after I enroll?
It is important that you notify us if your e-mail address has changed so that the eStatement delivery service will continue without interruption.