Generally, it’s because either the username or the password was entered incorrectly. They are both case-sensitive.

Your password will expire every six months. You will be notified the first time you log in after the password has expired.

All of your personal accounts will automatically appear in your online banking. You don’t have to do anything to add them.

The autosave option is not available on retail internet banking. It is most likely a setting on your computer.

This is a security feature. Our online banking system knows what devices you use regularly. If you are using a different device than normal, you will be required to answer a security question.  To bypass this on your regular device, select “Don’t Challenge Me On This Computer.”

You can click on the “Forgot Password” link and receive a temporary password by email. You can also call us, and we can give you a temporary password.

Due to Regulation E, all transfers done electronically must be done through statement accounts.

When making a transfer from one account to another, you must leave at least $10.00 in the account.

You can make principal-only payments to your loan; however, to be able to do this your regular monthly payment must already be paid.

You can transfer funds through Web Pay. Enter the information and a check will be sent for deposit to your account.

Online account history is retained for 45 days. To see a longer history, sign up for eStatements, which allows you to view up to 18 months of account history.

In most cases, this is because your online banking is locked. We can unlock your online account, and if necessary, give you a temporary password that you can use to log in and change it. This must be done through your online banking. You can’t change your password within the mobile app.

The method of payment (electronic, single check, or draft check) is determined by whether the payee is set up to receive electronic payments, your payment history, recent activity, and the amount of your payment (from Fiserv).

If this happens, please contact us. First, we need to determine the type of payment, electronic or check. Also, we need to make sure if it was a check, that the address it was sent to is correct.  We will set up a case with Partner Care and they will research the issue. Depending on the status of the check, we may be able to put a stop payment on it. It is possible that we might need to do a conference call with the payee and the customer on the line to resolve this.

Debit and credit cards can both be used safely. Regardless of the one you use, it’s important to keep basic security safeguards in mind.

Be selective and only use cards to pay trusted sellers.

If you do use a credit card, be diligent and know you’ll need to pay the bill each month to avoid accumulating interest and debt.

Debit cards can potentially provide access to your entire bank account and may not come with the same fraud protection that credit cards usually do. Follow our safety tips below when using your debit card.

There are a few ways debit and credit cards can be hacked. One is a physical device, called a skimmer, that can read your card’s information when you swipe it.

Another way is through information theft from online checkouts, where your information can be hacked.

Thieves can also fraudulently request your information via emails that look like your bank or another trusted source.

First, don’t use your card at sites or stores you don’t trust. If the card reader looks strange or the instructions seem suspicious, don’t use it.

Second, make sure you’re using the latest available technology – cards with chips instead of a magnetic stripe are less vulnerable to hacking.

Third, if you receive a phone call or email asking for your information, triple-check that it’s actually what it appears to be. Don’t click any links in an email, and if in doubt, look up the website separately and call to ask if the email is legitimate.

And fourth, make sure you’re regularly checking your bank statement to watch for unauthorized charges.

Apply for a Mercer Savings Bank Credit Card