Upgrades FAQ

Upgrades to online and mobile banking will occur on Monday, August 20, 2018, in addition to the new chip-enabled debit cards!

When will the upgrade take effect?

The online, mobile and debit card upgrade is scheduled for August 20, 2018. Please note that online bill pay will be unavailable beginning August 17 at noon during which time your scheduled payments and transfers will still be processed, but new payments or transfers cannot be scheduled. You will still be able to use your ATM and debit card for purchases. You will be able to view your account in display-only mode on the existing app during this time.

Why is Iowa Falls State Bank changing my online banking?

We are upgrading our online banking system as part of our ongoing effort to provide customers with more banking functionality, convenience, and security. Our new online banking system offers the same banking functionality as before along with many features we are excited for you to take advantage of. Some of the features include PeoplePay, MoneyMover, and CardLock.  PeoplePay is a simple way to send money between friends and family. With MoneyMover, you can connect and manage funds between accounts at different financial institutions. CardLock makes it easy to switch debit cards on and off. Along with the updates to online banking, comes mPower- our new bigger, better mobile app.

How do I install the mobile app on my phone or tablet?

Install the mobile banking app to use mobile banking on your iOS or Android device.

  1. Do one of the following:
    • On an iOS device, open the Apple App Store.
    • On an Android device, open the Google Play store.
  2. Search for IFSB Mobile and install the app.

Accounts

How do I view my account activity?

On the home page, the Accounts area lists every account whose history you can view. For each account, you can see the account name, the last few digits of the account number, and the balance.  By clicking on the account tile, you can scroll down to see account activity.

Can I arrange the order in which my accounts are displayed and add labels?

Yes, you can arrange the order of your accounts displayed and also label your accounts. Click or tap the gear in the top right corner of the page, choose Settings, then choose Change Account Order. You can then drag and drop which accounts you want where.

Transfers

How do you transfer funds to another IFSB Account?

  1. In the navigation menu, click or tap Transfers.
  2. Click or tap Transfer Funds. The Transfer Funds to Another Account page appears.
  3. In the Enter Your Account Information section, enter the following information:
    • In the From Account drop-down list, click or tap an account.
    • In the To Account drop-down list, click or tap an account.
    • In the Amount field, enter an amount to transfer.
    • Select a Send Date.
    • Select your Frequency of the scheduled transfer.
    •  (Optional) In the Memo field, enter a description of the transfer.
  4. Click or tap Submit to complete the transfer.
  5. Review your transfer information and Confirm Transfer.

SmartDeposit

How do I deposit a check with my cell phone?

Simply snap a photo of a paper check.

  1. In the navigation menu, click or tap SmartDeposit. The Deposit Check page appears.  Click or tap on Deposit A Check.
  2. On the Create Deposit page, do the following:
    • In the Deposit to list, select the account that you want to deposit the check into.
    • In the Amount field, enter the amount of the check.
  3. For Mobile: Select Check Front. The Image Capture page appears. On the Image Capture page, use your device to take a picture of the front and back of the check, and tap Submit Deposit. Guides on the screen help you align the check for the image.

*Tip: If the image of the check is blurry, you can tap Retake Front or Retake Back to take a new picture.

  1. For Online: In the Front Image field, upload a photo of the front of your check. In the Back Image field, upload a photo of the back of your check. Click Submit.

PeoplePay

Need to pay someone back? Send money to kids in school? Pay your half of rent?  Send money from your account to someone via email or text.

In the navigation menu, click or tap PeoplePay then click or tap Make a Payment to pay someone new.  The Initiate a Payment page appears.

For Mobile:

  1. In the Pay To field, enter the receiver’s email address or mobile phone number.
  2. In the Pay From field, enter which account you want to make the payment from.
  3. In the Send Method field, select whether it was the receiver’s email address or phone number you entered.
  4. Enter the amount you choose to send.
  5. Enter an optional Message.
  6. To verify that the funds are received by the intended recipient, you will need to enter a question and answer only the recipient can answer.
  7. Then tap Submit.
  8. On the Confirm Payment screen, after reviewing information, tap Confirm.

For Online:

  1. Select an account from the drop-down menu to make the payment from.
  2. In the Pay To field, enter the receiver’s email address or mobile phone number.
  3. In the Send Method field, select whether it was the receiver’s email address or phone number you entered.
  4. Enter the amount you choose to send.
  5. Enter an optional Memo.
  6. To verify that the funds are received by the intended recipient, you will need to enter a question and answer only the recipient can answer.
  7. Then click Submit.
  8. On the Confirm Payment screen, after reviewing information, click Confirm.

The recipient will receive an email or text, depending on the route you selected, from “PayItNow”. Once the recipient answers the verification question (this is not case sensitive), they will be asked where they would like to receive the money. The recipient will need to know their Routing number and Account number. Once they are finished with their information and have successfully accepted this payment, the funds will be deposited into their account within one or two business days.

BillPay

All bill payments scheduled as of Friday, August 17, 2018, at noon will converge over.

Picture Pay allows users to complete a payment by using a bill or invoice.

  1. In the navigation menu, click or tap Bill Pay then select Submit Your Bill.
  2. For mobile: rotate your device to landscape then follow guidelines to take an accurate photo of a bill or statement. Once an accurate image is taken, select Accept.
  3. For online: Click Upload Image, select the image of your bill or statement, then click Submit.
  4. Select account.
  5. Enter amount.
  6. Choose your delivery options.
  7. Review and submit your bill.

Optical character recognition (OCR) technology reads the information from the bill and built-in analytics confirm biller information.  Users also have the opportunity to rush payments for a fee.

MoneyMover

How do I link non-IFSB accounts?

MoneyMover allows you to connect and manage funds between accounts at different financial institutions as well as link your loans, checking, and savings accounts from other institutions one time.

Transfer to External Account

You can add accounts that you own at other financial institutions to your online banking profile and transfer funds externally.

When you connect the account, we make two small deposits of random amounts into your account at the other institution. When the deposits are complete, you enter and verify the amounts in either online banking or the mobile banking app. The deposits verify your ownership of the account and that any future transfers to or from that account will process correctly. The deposits should take fewer than five business days to process.

To Add an External Account

  1. In the navigation menu, click or tap MoneyMover then select Add Account. The Add External Accounts page appears.
  2. In the Routing Number field, enter the routing number at the other financial institution.
  3. In the Account Number field, enter the account number of the other financial institution.
  4. Confirm the account number.
  5. Select the Account Type from the drop-down menu.
  6. In the Nickname field, you can type a nickname for the external account.
  7. Then click or tap Submit.

CardLock

CardLock is a great feature to switch your debit card on or off for security reasons.

In the navigation menu, click or tap CardLock, and the My Cards screen appears.  Select the card you would like to disable and Confirm you want to disable the card. Once you are ready to enable the card, click or tap Enable and Confirm you want to enable the card.

Statements

In the Navigation menu, click or tap on Statements.  Select the account and statements will appear.

Alerts

How do I set up Account Alerts?

Alerts can warn you and remind you about the status of each of your accounts, and also notify you when transactions occur. Some alerts are automatically generated by the system, such as security alerts, but some alerts you can create and customize.

When you create an alert for an account, you specify the conditions that trigger the alert, as well as the way that you want to receive the alert. Alert conditions vary depending on the alert type.

When you create or change an alert, it takes effect in 24 hours and stays in effect until you disable or delete it. You can set an alert to occur immediately.

You do not need to be logged in to receive the alert. Secure messages and email alerts are sent immediately when they are generated. You can choose to receive alerts in the following ways:

  • Date alerts
  • Account alerts
  • History alerts
  • Insufficient funds alerts
  • Transaction alerts

If you miss an alert delivered by email, you may need to change settings or double-check the Messages inbox. If you don’t see an email alert, check your junk email folder. If your alert was delivered there, configure your mail settings to allow messages from our email address.

To Create an Alert:

  1. Select the gear icon in the top right of the screen. Then click or tap Alerts. The Alerts page appears.
  2. Fill out the Email Address for Alerts to be sent to.
  3. Click or tap on Security Alerts. Select the security alerts you wish to receive from a single account.
  4. Enter the required information to set up the alert.
  5. Select an option from the Select a Delivery Method drop-down list:
    • Click or tap Secure Message Only to send the alert as a Secure Message. The alert is sent immediately when it is generated.
    • Click or tap Email to send the alert as an email. Enter the email address where you want to send the alert. The alert is sent immediately when it is generated.
  6. (Optional) Select the Every Occurrence checkbox to repeat the alert every time that the trigger occurs.
  7. Click or tap Save.

In the Success Message, click or tap Close. The new alert appears on the Alerts page.

General

How do I reset or change my mPower login password?

  1. On the Login Screen, select Forgot My Username or Password.
  2. From the drop-down menu, select Forgot or Reset Password.
  3. Fill out the Account Number, Account Type, Social Security Number, and Date of Birth fields.
  4. Click or tap
  5. Choose your new password, confirm, then click or tap

How to change your password once you are logged in.

  1. Click or tap the gear icon in the top right of the screen.
  2. Select Login Help.
  3. From the drop-down menu, select Forgot or Reset Password.
  4. Fill out the Account Number, Account Type, Social Security Number, and Date of Birth fields.
  5. Click or tap

Choose your new password, confirm, then click or tap Submit.

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