Frequently Asked Questions

Online Banking allows you 24 hour access to your financial information. You have the ability to view account balances, check images, statements, and transfer funds between accounts.

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The system will lock your account after 3 invalid log in attempts. You may unlock the account by clicking the “Forgot Password?” hyperlink, enter your Access ID, the last four digits of your social security number, email address (must be email listed in your online banking) and hit “SUBMIT”. An email will be sent to the email address on file with a new password that will only be valid for 30 minutes. If you do not receive the email please check your junk/spam folder. You may also call a customer service representative to have your account unlocked/password reset.

Click the transfer tab. Select a from account and a to account, input date, amount and description (description is not required). You may schedule a transfer by selecting a date in the future. You also may set up recurring transfers by selecting “repeat” and defining the repeat transfer by a total number of transfers, until a certain date, or until you delete the transfer. Once you have your transfer information inputted hit preview transfer, review your transfer and if everything looks ok click complete transfer. All transfers done prior to 6pm will be posted the same business day.

Click on the transfer tab and scroll down until you see scheduled transfers click edit or delete, edit if you would like to change the transfer and delete if you no longer wish to complete the transfer.

 You can enroll in E-Statements by logging into your online banking account and selecting the profile tab. From the profile tab locate Electronic Statements banner and click edit. Change the delivery method from paper to E-Statements, click on the electronic statements terms and conditions hyperlink to read the terms and conditions and retrieve your 4-digit confirmation code located on the last page of the document. Click where is states I have read and accept the electronic statements terms and conditions and enter the confirmation code, click save.

Log into your online banking account and click into the account you wish to view the E-Statement for. Once in the account you would like to view the statement for click documents, the document search box will be displayed (you can select other accounts enrolled in E-Statements by using the drop down menu listed for account, you can also select between checking E-Statements and checking Statements under the document type and you can change the date range). Click submit and click on the hyperlink statement you wish to view.

One year and six months of statements are available to you.

Contact the bank to no longer receive your statement electronically.

Your online banking password does not expire (unless you require your password to be reset, if your password needs to be reset your temporary password is only valid for 30 minutes from the time of reset). Your online banking and mobile banking password are the same password. If you are unable to log in please call us at 563-659-3211 for assistance.

DeWitt Bank & Trust does not charge a fee to access Mobile Banking however message and data rates may apply.

If you are not an existing online banking user you can enroll in mobile banking by following the steps below:

1. Download the mobile banking application
2. Search, DeWitt Bank & Trust Co.
3. Click Enroll Now
4. Select the type of account you with to enroll in mobile banking from the drop down where it states type of account.
5. Enter your account number where it states account number.
6. Enter your social security number where it states social security number.
7. Enter in the last four of your social security number in the PIN field, click next.
8. Enter your email address and re-enter your email address where it states confirm email address, click enroll.
9. The terms and conditions will be displayed, click I agree to continue. It will display the retail online terms and conditions then the mobile banking terms and conditions once the mobile app is launched after enrollment.
10. Create your username and password and re-enter your password where it states confirm password.
11. Select your challenge questions and provide answers to your challenge questions, click continue. For security purposes, once enrollment is complete you will be signed out and you must sign in again.

Yes.

App Features and Benefits:

• Check account balance and review recent account activity
• Transfer money between accounts
• Pay Bills (If you are enrolled in Bill Pay)
• Change and cancel pending payments
• Find an ATM and branch locations
• Enroll in instant balance to receive your balance instantly without having to log into the Mobile App

App Download:

1. Download the application
2. Search, DeWitt Bank & Trust Co.
3. Proceed to log in using your online banking credentials

If your phone is lost or stolen please contact the bank and we can deactivate your mobile banking

Yes but you should not do so within one session.

Yes. Mobile banking is similar to online banking in terms of security. Mobile Banking also uses encryption and secure passwords. If a user enters an invalid password 3 times their Mobile Banking account becomes locked. Also no personal or financial information is saved to your mobile device, this information is strictly within online banking.

Balances are current memo ledger balances and include memo posted activity.

Yes. You can download the app on more than one mobile phone. Simply download the app from the app store and use your online/mobile banking credentials to access. You can also add another device within online banking by selecting profile, mobile banking, manage devices, then selecting Add New Device-Provide your telephone number which will then send you a text message with further instructions.

Launch the mobile banking application. On the sign on screen click the “Forgot Password?” hyperlink, enter your Access ID, the last four digits of your social security number, email address (must be email listed for online banking) and click “SUBMIT”. An email will be sent to the email address on file with a new password that will only be valid for 30 minutes. If you do not receive the email please check your junk/spam folder. You may also call a customer service representative to have your account unlocked/password reset.

If your mobile device is lost or stolen or you no longer wish to use mobile banking, no one can access your account without knowing your password, and in some cases, your unique user name. To prevent unauthorized access to your account you can deactivate your mobile device or call the bank and the bank can deactivate your mobile device for you. To deactivate your phone:

1. Log into Online Banking
2. Click the Profile tab
3. Locate the Mobile Banking Profile section
4. Click My Devices
5. Locate the appropriate device
6. Select stop using this device for Mobile Banking from the drop down menu
7. Click Go
8. Click Yes
9. Close Mobile Banking to return to the Online Banking session

Follow these steps to pay a bill using your mobile device:

1. Log into Mobile Banking
2. Tap Transfer & Pay
3. Tap Pay Bills
4. Tap the appropriate payee
5. Verify the information is accurate
6. Enter an amount
7. Enter a deliver by date
8. Tap Pay
9. A Payment Scheduled page will show with the payment detail, you can select done if complete or make recurring to have the payment scheduled on a recurring basis.

Yes. Follow these steps:

1. Log into Mobile Banking
2. Tap Transfer & Pay
3. Tap Pay Bills
4. Activity
5. Tap the payment you wish to change/cancel
6. Tap edit to edit the payment or click cancel payment to cancel the payment (some payments will not be able to be canceled).

Follow these steps:

1. Log into Mobile Banking
2. Tap Transfer & Pay
3. Tap Make an internal transfer
4. Tap the Transfer from: to select the account to debit for the transfer
5. Tap the Transfer to: to select the account to credit for the transfer
6. Tap the Amount box to enter the amount of the transfer
7. Tap Continue
8. Tap Make Transfer
9. The Transfer Confirmation screen is displayed

Instant Balance is a secure, read only feature that allows users to see select account balances without logging into the mobile app.

Yes, users cannot use this feature to complete transactions and account numbers are masked. The user never logs in therefore the system does not transmit any sensitive account information.

1. Launch the mobile banking app
2. Click on the instant balance icon ($)
3. Click log in and set up-Proceed to log in
4. Turn the instant balance feature on by sliding the circle icon over until it shows green in color
5. Select the accounts you wish to view through instant balance(can view up to 6 accounts).

Balances are current ledger balances and include memo posted activity.

You can enroll up to 6 accounts in the instant balance.

Yes once logged into mobile banking select more than Instant Balance.

Your mobile banking password does not expire (unless you require your password to be reset, if your password needs to be reset your temporary password is only valid for 30 minutes from the time of reset). Your online banking and mobile banking password are the same password. If you are unable to log in please call us at 563-659-3211 for assistance.

• Endorse the back of your check: For Mobile Deposit Only DeWitt Bank and Trust, failure to endorse your check with this specific endorsement will cause your deposit to be rejected.
• Take a look at the check you are going to deposit to ensure that the check amount and the written amount match prior to depositing.
• DeWitt Bank & Trust Co. mobile deposit limits are $2,500 per check and $5,000 per day.
• DeWitt Bank & Trust Co. mobile deposit cut off time is 4 pm.
• Make sure that when you take an image of your check you do so in a well-lit area, keep the check within the view finder of your camera, hold the camera steady and above the check when taking the image and make sure the entire check image is visible and in focus before submitting your deposit (no shadows, all four corners must be visible, MICR line (numbers on the bottom of check) is readable).
• Submitting a deposit via mobile deposit does not mean that the bank has accepted your deposit. If your deposit was not accepted you will receive an email to the last known email address we have on file for you and you will also be able to see this in your mobile deposit history as a failed deposit. Deposit history is available through the mobile application for 30 days.
• Flatten folded or crumpled checks before taking your photo.
• DeWitt Bank & Trust Co. advises you to not use public WIFI while creating mobile deposits.
• We ask that you retain your check for 90 days after you have made your deposit.

Bill Pay gives you the ability to pay virtually any company in the US.

Yes. In order to enroll in Bill Pay you must first be enrolled in online/mobile banking.

One-time payment- the payment date you specify is the date the payment will be received by the merchant, Recurring payment- occurs at your specified frequency and as many times as you indicate.

Payments to electronic payees are delivered in 2 days, payments issued by check are delivered in 5 days. When you schedule a payment, the payment calendar indicates the earliest available payment date.

Recurring payments are automatic payments of the same amount. You do not have to re-enter a new payment each month.

You can review, change, or cancel a payment at any time before it is processed. The system displays an error message if you attempt to modify a payment after it has been processed. *When logged into Bill Pay you can also click the help button for more help options.

Account alerts is a messaging system that provides alerts/notifications about your account. Alerts can be received through online or mobile banking, email, or sms/text messaging. *Fees may apply.

No. If you are not currently enrolled in online banking you can contact the bank and have a customer service representative set up the account alerts for you. *Fees may apply.

Log into online banking and on the home page there will be a banner displayed titled Alerts along with an Enroll button. Click Enroll and complete the enrollment page once you have completed the enrollment page you will be taken to the alert options that you can set up-click on the + sign to expand the alert options then select the alert you would like to set up and define the alert criteria. Users can also enroll for push alerts through mobile banking. Log into the mobile banking application, select more, alerts, enable push notifications and then proceed with setting up the alerts you wish to receive (this only enables alerts to be received through mobile banking it does not enable sms/text alerts, email alerts, or secure inbox alerts).

Alerts are received real time or when the alert criteria is met (there are a few alert options that can be scheduled such as Current Balance).

Log into online banking, click Alerts-overview and delete the alerts you wish to no longer receive. You may also contact the bank and request alerts be turned off. If you receive sms/text alerts you may also respond STOP which will prevent any further sms/text alerts.