Bank of Zumbrota, Zumbrota Minnesota

Online Banking

At home in your fuzzy slippers and pj’s, or on the road for work or travel…you can do your banking with Bank of Zumbrota anywhere!

How do you get started? Simply click Enroll Now at the top of this website.

ONLINE BANKING offers you the convenience of performing:

Account transfers

Viewing up-to-date, REAL TIME, account information

Importing your checking account history into Quicken or MS Money

Ordering checks

Placing stop payments

24 hours a day 7 days a week service

What if I forget my Bank of Zumbrota Online 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 Online 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 Online 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.

How frequently is my account information updated?

Continually. Bank of Zumbrota provides Real Time Online 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 Online 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 Online Banking.

ONLINE BILL PAYMENT SERVICES:

What exactly is a Bill Payment Service?

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

How does Bank of Zumbrota's BillPay work?

On the date noted in your BillPay set up, the payment may be made through an automated entry.

How do I sign up for BillPay?

Enroll through Bank of Zumbrota's Online Banking.

When should I set up my payments to make sure they are paid on time?

Do not include Saturdays, Sundays or federal holidays in your calculations. Funds will be remitted to the payee on your behalf from the funds in your BillPay account (the checking account you select to be debited) on the "Payment Date". We will not be obligated to make a payment unless your BillPay 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. NSF and overdraft fees will be assessed.

How will I know when payments have been sent?

Through Bank of Zumbrota Online Banking, you will be able to view your checking account activity and see your bill payments as they are deducted from your account. They will appear with a brief description and the amount so that you know which payments have been sent.

What about the payment stubs included with some bills to be returned with payment?

They are not necessary. Include your account number with the payee's phone number on the BillPay 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.

Sounds great, but how much does this service cost?

You will be assessed a $3.00 per month maintenance fee, plus a $.45 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.

With Electric Checking, the BillPay fees are waived!

How can I stop my BillPay services?

If you want to stop using BillPay, you must notify us at 507-732-7555. If you close your current BillPay account, you must notify us and designate a new account that will be your BillPay account.

How do I stop or change a BillPay request?

If your bill payment is pending, you may stop or change it. If your bill payment is completed, you are not able to stop or change it.