Easy Access Icon Security  Browser Upgrades ATM Locators Internet Banking Bill Payment

>>>>Easy Access Icon<<<< How can I put the Bank of Zumbrota Icon on my Desktop? Print this page for reference. Return to the Bank of Zumbrota Home Page Look to the toolbar above the homepage for the Favorites icon and click it. Now look to the left of the toolbar at the column that popped up when you clicked Favorites. There should be a small “add” icon at the top of the Favorites column. Click it. Click “ok” in the box that should pop up. Now click the “minimize” button in the top right hand corner of your screen - not the shrink button. It is the middle one that looks like 2 overlapping boxes. When you minimize, you should still be able to see a partial home page box and your “Favorites” column should still exist. Look for the Bank of Zumbrota with the Z icon in the column (you may need to scroll down to find it) Click on the Bank of Zumbrota “Z” logo with the left click of your mouse, hold down the click, drag off the page onto the desktop (anywhere) and let go. Shrink the page the rest of the way so you can see your desktop completely and you should see a logo for the bank homepage . Next time you want to check on your accounts, just click the icon to get the Bank’s home page. >>>>Security<<<< What are "Secure Web Sites" all about? Web browsers with SSL (Secure Socket Layer) can operate in "normal" mode and in "secure" mode. You can tell what mode your browser is in by looking at the toolbar at the bottom of the browser. When you see a broken key, or an open padlock, or no padlock at all, you are in normal mode. If the key is whole, or the padlock is closed, you are in "secure" mode. When your browser is in "secure" mode it encrypts all the information between itself and the server. Encrypted information looks like meaningless garbage to eavesdroppers, so your personal information is secure. What is encryption? An Encryption is a way to rewrite information in a code that can only be decoded later with a certain key. The higher the number of encryption bits the higher the encryption. How to determine the encryption level of your current browser. Place your cursor in the frame you want to check. With a Netscape browser, right-click, select 'View Frame Info' or select 'View'| 'page Frame Info' from the browser menu bar. With Internet Explorer browser, right-click, select 'Properties' If you find the current encryption is 40-bit we strongly suggest that you download and install the 128-bit upgrade. Once you've downloaded the upgraded browser, you must install it on your computer. Follow the browser manufacturer's instructions that appear on your screen. Browser Upgrades: Tips for Downloading and Installing a Web Browser When selecting a browser, make sure you choose the right version for your computer's operating system (such as Windows 95 or Macintosh). Follow the downloading instructions provided on the browser manufacturer's website. If you have technical problems, call the browser manufacturer for support. Remember that you also can use the "Help" pull down menu at the top of your browser to get help on downloading updates. In Internet Explorer, choose "Product Updates" from the pull down menu. In Navigator, choose "Software Updates". Once you have completed the download, follow the manufacturer's instructions to install the browser properly on your computer. If your browser is not currently running the 128-bit encryption you do not meet the banks' security requirements and are asked to upgrade at this time using the links made available below. Steps for Browser Upgrades: 1. Select the appropriate browser listed below. 2. Follow the manufacturer's installation instructions that appear on your screen. Upgrade Netscape 128-bit encryption http://browser.netscape.com/downloads Select the 128-bit Strong Encryption version for your operating system. Upgrade Microsoft Internet Explorer to 128-bit, strong encryption. http://www.microsoft.com/windows/ie/ie6/downloads/recommended/128bit/default.mspx Use this link if you already have Internet Explorer installed on your computer. Download Microsoft Internet Explorer.  http://www.microsoft.com/windows/ie/downloads/default.asp Use this link if you don't have Internet Explorer and want to install it on your computer. After installation, use the link above to upgrade the browser to 128-bit, strong encryption. Upgrading American Online 128-bit encryption  http://discover.aol.com/downloads/ When upgrading American Online use the keyword UPGRADE to receive the Internet Explorer web browser with 128-bit encryption.  Remember that once you've downloaded the proper browser, you must install it on your computer. Follow the browser manufacturer's instructions that appear on your screen.

>>>>ATM<<<<

Instant Cash Card Information and Locations:

To report a Lost or Stolen card during business hours call 507-732-7555 or 800-359-6268. 
After hours call 800-535-8440.

Searching for an ATM near you? https://www.instant-cash.com/ic/servlets/ATMLocatorServlet
Click "Go to Cirrus ATM Locator" Street, City and/or Zip and State are required fields.

How easy is it to use my Visa/Instant Cash and Check card? https://www.instant-cash.com/ic/static/checkcard/prodinfo/index.jsp

Answers to those Frequently Asked Questions. https://www.instant-cash.com/ic/static/checkcard/faq/index.jsp

>>>>Internet Banking<<<<

How do I get started using Bank of Zumbrota Internet Banking?
Once you have completed the Bank of Zumbrota Internet Banking enrollment form, return it to Bank of Zumbrota. We will assign your temporary Access ID and temporary password. Access Bank of Zumbrota's web site at www.bankofzumbrota.com and click on Internet Banking. At the Log On screen, type in the temporary User ID that we have assigned you in the "Access ID" box. Press the tab key and type the temporary password assigned to you, and then click on "Submit" to validate security and open the secure area of the Internet Banking site. You will be directed to enter a unique User ID and password, then "Submit". Your password must be 6-17 characters and include a minimum of two alpha and two numeric characters.


What if I am unable to connect with the Bank of Zumbrota Internet Banking site?
If you receive a message that your browser is unable to locate the server, first confirm that you are able to access other Internet sites successfully. If not, contact you Internet service provider for assistance. Next, confirm that the www.bankofzumbrota.com  address you typed is correct. If that doesn't correct the problem, then it may mean that the Bank of Zumbrota Internet Banking site has unexpectedly gone off-line. In this case, simple try your request again at a later time. At certain times, a Server may not be available due to system maintenance or circumstances beyond our control. During these times, you may use any of our other convenient banking facilities or our two other automated services: 24-Hour Telebanking and ATM. For your Internet browser, you will need either Internet Explorer 5.0 or greater from Microsoft Corporation, American online or Netscape's Navigator 4.72 or greater. Encryption (cipher) strength must be 128 bits or greater. Please refer to the Security section covering requested browser upgrades.


What if I forget my Bank of Zumbrota Internet Banking password?
No one but you has record of the password that you have established. If you forget the password, please contact Bank of Zumbrota so that a new, temporary password can be issued. If you attempt log on to the Bank of Zumbrota Internet Banking five times with the incorrect password, you will be "locked out" of the system.



What if I can't see all the account information on my screen at once?
Bank of Zumbrota's Internet Banking page is best viewed with Internet Explorer, version 5.0 (or greater with 128 encryption), with a screen resolution of 800 x 600 pixel. To set your screen resolution to 800 x 600, right click an open space on your desktop (empty space on your monitor screen). This will give you a drop down menu. Left click Properties, click Settings. In the portion covering the Screen Area modify the current setting to 800 x 600, click Apply and OK. If your screen cannot be re-set, you will need to scroll right to left and up and down to see the entire text of each page.

Can I have 24-hour access to my accounts?
Bank of Zumbrota Internet Banking is available 24 hours a day, 7 days a week for your convenience.

How frequently is my account information updated?
Continually, Bank of Zumbrota provides Real Time Internet Banking, so you will see the results of overnight processing, as well as deposits or withdrawals memo-posted to your account throughout the day.

After using Bank of Zumbrota Internet Banking, I was prompted to log on again. Why did it ask for my user ID and password a second time?
This is a security feature designed for your protection. If fifteen minutes elapse without a request from you, then the system ends your session and does not allow further transactions until you enter your user information again. This ensures that others cannot perform transactions on your computer in the event you have forgotten to exit Bank of Zumbrota Internet Banking.

>>>>Bill Payment<<<<

What exactly is a Bill Payment Service?
Bank of Zumbrota Bill Payment Service allows you to schedule bill payments. Bank of Zumbrota will automatically pay your current, future and recurring bills from your Checking accounts. Accounts that require two or more signatures to withdraw or transfer funds may not be used as a Bill Payment account. There is no limit to the number of payments. You may pay anyone through the Bill Payment Service. However, we are unable to process any payments to federal, state, or local tax agencies.

How does Bank of Zumbrota's Bill Payment work?
On the date noted in your Bill Payment set up, a check is prepared and sent to the designated payee through the U.S. Mail by the Bank of Zumbrota or the payment may be made through an automated entry. 

How do I sign up for Bill Payment?
By filling out the Online Banking application, you are eligible to use our Bill Payment services. 

When should I set up my payments to make sure they are paid on time?
You will need to provide enough lead-time so your payments arrive on time. There will be a delay between the Payment Date (the date your payment is sent) and the date the payee receives that payment. We suggest you set the "Payment Date" five to seven days in advance of the due date to allow processing of your Bill Payment check or automated entry; do not include Saturdays, Sundays or legal holidays in your calculations. The date the payment is to be sent is called the Payment Date. When we receive a payment instruction (for the current or a future date) we will remit funds to the payee on your behalf from the funds in your Bill Payment account (the checking account you select to be debited) on the "Payment Date". We will not be obligated to make a payment unless your Bill Payment account and/or linked overdraft protection account has sufficient funds or credit available to pay the bill on the payment date. Bank of Zumbrota will not be responsible for any late fees you incur.

How will I know when payments have been made?
Through Bank of Zumbrota Internet Banking, you will be able to view your checking activity on screen and see bill payments made. The payment will also be shown on your monthly account statement.

What about the payment stubs included with some bills to be returned with payment?
When processing your payment, Bank of Zumbrota will provide information, including your account number with the payee's phone number, and a description of the payment, as provided by you when you create the payment on the Bill Payment set-up screen. If more information is required, please contact us.

Do I need to contact the payees to tell them I am using an online payment service?
No, it is not necessary.

What happens if I do not have enough money in my account to cover a Bill Payment?  
If there are insufficient funds on the first day of the scheduled Bill Payment, Bank of Zumbrota will attempt to fulfill your payment request the next day. If the insufficient funds situation continues, no further attempts will be made to initiate this individual Bill Payment transaction. In short, no payment will be sent for this individual Bill Payment request and the Bank of Zumbrota reserves the right to access a fee for insufficient funds. Future Recurring Bill Payment transactions will continue as scheduled.

Sounds great, but how much does this service cost?
You will be assessed a $3.00 per month maintenance fee, plus a $.40 per payment issued fee. If you elect to not issue a payment during the month, you will still be assessed the monthly $3.00 maintenance fee. 

How can I stop my Bill Payment services?
If you want to stop using the Bill payment service, you must notify us at Bank of Zumbrota customer service, 507-732-7555. If you close your current Bill Payment account, you must notify us and designate a new account that will be your Bill Payment account. 

How do I stop or change a Bill Payment request?
You have the right to stop or change any scheduled Bill Payment. However, you must cancel a payment by no later than 3 PM (Central Time) the business day before the "Payment Date", by altering the payment date on the Bill Payment screen, or by calling customer service at 507-732-7555. If the "Payment Date" is on a weekend or holiday, the stop payment must be initiated no later than 3 PM (Central Time) 2 business days prior to the "Payment Date".




The Bank of Zumbrota has No Duty to Monitor Payments.
We do not have any duty to monitor the payments that are made through the Bill Payment Service. If you are a business and an authorized representative of your business uses your Bill Payment Account to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments, and expenses arising out of or in any way connected with such use.

Bank Errors - If Bank of Zumbrota does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges, which you reasonably incurred as a result as long as your account was in good standing with the payee prior to this incident. We will also be liable to you if we fail to stop a payment pursuant to your order to do so, so long as your order describes the payment with reasonable certainty and is received at a time and in a manner that affords us a reasonable opportunity to act on it before the payment is sent. Please refer to the Online Access agreement for more detail.

The Bank of Zumbrota bank site includes links to external internet resources. Such external internet addresses contain information created, published and maintained by sources independent of the Bank of Zumbrota. Bank of Zumbrota has no control over these Internet addresses and therefore does not guarantee the accuracy of completeness of the information gathered from these resources. Any use of information obtained from such addresses is voluntary.