Root River State Bank
18 SE 3rd St.
P.O. Box 517
Chatfield, MN 55923
Q: What is Internet Banking and how much does it cost?
A: Internet Banking enables you to access your accounts electronically through a computer via the Internet. This service is absolutely free.
Q: What do I need to bank online?
A: To bank online you will need:
Send completed forms to:
Root River State Bank
18 SE 3rd St
P.O. Box 517
Chatfield, MN 55923
You will need Adobe® Reader® to view/print the application
Q: How soon will I be able to access my account information after I sign up for Internet Banking?
A: Once we receive the signed application, the following day two letters will be sent to you, one containing your User ID and one containing your PIN and Internet Banking Agreement and Disclosure Statement. If you apply in person, we can usually set you up shortly after we receive the completed forms.
Q: What accounts can I access with Internet Banking?
A: Checking, Savings and Money Market Savings, Certificates of Deposit, Loans, IRA’s and Overdraft Protection lines of credit.
Q: What will I be able to do with Internet Banking?
A: View account balances, account history or statements, transfer funds between accounts and request stop payments.
Q: How current is the information displayed in Internet Banking?
A: The available balance for checking and savings accounts is “real-time” and will change throughout the day based on your activity. However, items that are in process or posting will not be reflected in your balance.
Q: Will there be times when I will not be able to access my account?
A: The system is available 7 days a week, 24 hours a day, and has a extremely high “up time” percentage. Unfortunately, some down time is necessary to keep our system constantly improving, reliable and safe. Down times are usually scheduled during low usage periods of the day. You will be notified to try your transaction again, when we are running our end of day processing. That, however, takes a short period of time and you should be able to try again in approximately 30 minutes.
Q: Are there limits on the number of transfers I can make?
A: The Internet Banking system does not limit the number of transfers you can make. However, Federal Regulations limit the number of withdrawals and transfers on certain types of savings and money market accounts. If you are unsure about the restrictions on your accounts, please call us at 507-867-4120.
Q: Is Internet Banking safe?
A: We and our service providers have established security procedures and have firewalls in place to prevent unauthorized access to accounts and transactions. The system uses the most up-to-date encryption methods and software.
Q: What is encryption, and how does it make everything more secure?
A: Encryption is when something is rewritten in code which can then be decoded later with the right key. The effectiveness of encryption is in the number of bits. The higher the number of bits, the better the encryption is. In our pursuit to maintain security on our Internet Banking product at the strongest available level, the encryption standard for Internet Banking is 128-bit. This means all users will be required to use a browser with the 128-bit standard. You can test your internet browser on our login page to make sure you have the required encryption level.
Q: What else assures the security of my banking information?
Q: How do I know if I’m viewing a secure Web page?
A: If you are currently using Microsoft Internet Explorer, look for the padlock in the lower right corner. If the lock is in the “open” position, the page is not secure. If it is in the “locked” position, the page is secure. If you are currently using Netscape Navigator, look in the location window to see whether the page address is listed as “http” (not secure) or “https” (secure). Depending on the version of Navigator you are using, there also may be an unlocked padlock or broken key in the bottom left corner of the window to indicate a non-secure page, or a locked padlock or intact key to indicate a secure page.
Q: Once I sign up, what happens?
A: You will receive your Internet Banking User ID and PIN either personally or by mail. The first time you log on to Internet Banking, you will need to change your PIN. We recommend you disable any feature that asks you to remember your PIN.
Q: I share my accounts with someone. Do we both need a user ID and PIN?
A: Yes, we will give each individual a user ID and PIN if you both wish to access your accounts using internet Banking.
Q: Can I personalize my User ID to something easier for me to remember?
A: Yes, you may change your User ID to something shorter and easy for you to remember. To change your User ID, log in to Internet Banking and click on OPTIONS. This will bring you to the Personal category under OPTIONS. Here you can change your PIN, your Personal (User) ID or change your E-mail address.
Q: Can I tell my User ID and PIN to someone else?
A: Because your User ID and PIN are used to access your accounts, you should treat them as you would any other sensitive or personal data. Memorize your PIN and never tell it to anyone, change your PIN frequently (see above).
Q: What can I do with my accounts?
Q: How late in the day can I transfer funds?
A: Transfers made on business days before 3 p.m. will be processed on that business day. Transfers made after 3 p.m. or on weekends or holidays will be processed on the next business day. The available balance on your account will reflect your transfers immediately. (However, transfers made after 3 p.m. will show as a pending transfer until our next end of day processing occurs.)
Q: Can I set up a transfer for a future date?
A: Yes! You can also set up a transfer to be done on a weekly, bi-weekly, semi-monthly or monthly basis.
Q: How do I make a transfer?
A: Log in to Internet Banking and this will bring you to the NetTeller tab. From the drop-down menu across from your account, choose TRANSFERS. Complete the TRANSFER FUNDS TO, AMOUNT, (you may leave the cents blank and zero cents will be assumed) and DATE. Click Submit. ( If you transfer to or from a loan or overdraft protection account, the screen will quickly change after your account selection in order to reflect the correct transfer options.)
Q: How do I change my account nicknames?
A: The account nickname is the friendly name you give your account because Internet Banking does not identify your account by account numbers for security purposes. To change a nickname, for example from “Vacation Savings” to “Tax Escrow”, log in to Internet Banking and click on OPTIONS –Account. Simply type in your new nickname (pseudo name) and click submit.
Q: How can I view just certain transactions?
A: Log in to Internet Banking and select TRANSACTION HISTORY from the drop-down menu to the right of the account you wish to view. Choose the account from the drop-down labeled CURRENT ACCOUNT. Make your selection from the drop-down labeled VIEW TRANSACTIONS SINCE. If you would like to select a specific range of transactions, click on SEARCH TRANSACTIONS and specify the range by DATE, AMOUNT or CHECK NUMBER. Once your transactions appear you may click on any header to sort by that header.
Q: Can I view my checking account statement?
A: At this point in time, you will not be able to view your statements on line.
Q: How can I download my account information?
A: Downloads are now easier! After logging in choose DOWNLOAD from the drop-down menu to the right of the account you wish to download. If you are already viewing account information you may select DOWNLOAD from the selection bar under the NetTeller header. Choose the appropriate account from the drop-down menu SELECT DOWNLOAD FOR. Then select the period for the transactions and the format. The following formats are available:
Personal Finance (.CSV)
Word Processing (.TXT)
You will need to choose the format that matches the program you will be using with this data. Because there are such a variety of programs which to download this data into, we can not give detailed instructions for every case. If you need personal assistance in downloading account information please call the bank for assistance (507-867-4120). We would be happy to walk you through this once or twice until you are comfortable with it. Downloading your account information can be a great time saver with you accounting applications!
Q: What if I’m waiting for a certain check to clear?
A: The Alert function of Internet Banking is a great tool. It can alert you if your balance falls below a set amount, if your loan or CD has matured, if a certain check has cleared, or you can set up personal text alerts. Remember, you must log in to Internet Banking to receive the alerts. They will not just pop up on your computer or in your e-mail. To set up an alert, log in and choose OPTIONS – Alerts. Set up your alert and submit.
Q: How do I get help if I don’t understand something on my account?
A: If you have questions about your account or don’t understand something, you can call a Customer Representative at 507-867-4120.
Q: What if I forget my PIN?
A: We do not have access to your PIN. However, with proper identification verification, we can reset your PIN for you, just give us a call at 507-867-4120.
Q: What if I put in the wrong PIN?
A: Three (3) invalid sign-on attempts will lock you out of Internet Banking. But don’t panic! Again, call us if this happens.
Q: How can I update my browser?
A: We recommend the most current version of Microsoft Internet Explorer or Netscape, however the acceptable versions are Microsoft Internet Explorer 4.0 or above or Netscape Navigator 4.0 or above. But you must also have the 128-bit high encryption software component (which is included in the newer versions). On the Log in page of Internet Banking, there is an option to TEST BROWSER. This will run a test on your browser to determine if it has the correct encryption capabilities. If you need to upgrade your browser, you may be linked to a site to do so. You may have a browser that meets recommendations, but needs only the 128-bit encryption software component, and there are browser updates to comply with this, but the most current version of your browser will have the best security features.
Q: Are there times when I will not be able to log on to Internet Banking?
A: There are scheduled system maintenance down times that are necessary to keep our system constantly improving, reliable and safe. Down times are usually scheduled during low usage periods, such as late night or early morning. The maintenance down times are listed on the Internet Banking Support page and an alert message will usually be posted on the Internet Banking log in screen two (2) days before the down time. Any immediate downtimes will also be posted as an alert message to you. Also in the evening during daily bank processing the transfer function can not be utilized until the processing is completed. However, all other inquiry functions are unaffected.
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