Frequently Asked Questions

Personal Online Banking

On July 26th, personal accounts for which you're listed as owner/signer will be available to view under one online session. For example, if you have personal accounts with SBCP and are identified as having Power of Attorney (POA) on another SBCP account, you'll now be able to see all of those accounts together in your personal Online Banking portal. You'll no longer need to log in each one separately. 

No, you'll continue to use the same Username and Password that you currently do. 

No, this won't impact your Bill Pay account within personal Online Banking.

Call our Customer Support team at (608) 798-2400 or (855) 256-7328 and let us know which accounts you'd like removed, an we'll get it taken care of for you.

*Note, if you still want to see those accounts in Online Banking, you can edit the Account Nickname and order in which they appear to separate them. See tips below.

1. Account Nickname and Reordering of Account Listing -

  • For personal Online Banking users, log in and go to the Accounts section on the home page
    • Select Edit Accounts
    • Type in the Account name you wish to appear
    • To reorder your Accounts, click on the Move ^ or Move v arrow
    • Save
  • For Mobile App users, the Account nickname needs to be changed in personal Online Banking
    • To reorder your Accounts, select Sort and then press and drag the accounts to reorder

2. To Remove (Hide) an Account from appearing on my Personal Online page -

  • Select Edit Accounts
  • Uncheck the 'Show on home'
  • Save

No, if you use our TeleBank online phone system, you'll continue to log in with the same credentials you've always used. 

This personal finance manager allows you to collect your account data whether your accounts are with SBCP or from other financial institutions. Learn More.

Credit Sense is a comprehensive Credit Score program offered by State Bank of Cross Plains, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs.

With this program, you always know where you stand with your credit and how State Bank of Cross Plains can help save you money. Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected, such as: a new account being opened, change in address or employment, a delinquency has been reported, or an injury has been made. Monitoring helps users keep an eye out for identity theft.

Click Here to View Credit Sense Demo

Move your money when and where you need it with Transfer Now. External transfer allows you to easily move money to and from your accounts at other banks from your online banking account or mobile banking app.

Click Here to View Transfer Now Demo

You can send, request or receive money with Zelle.

  1. To get started, log into State Bank of Cross Plains online banking, navigate to Bill Pay and enroll. Once enrolled in Bill Pay, you can then select "Send Money with Zelle". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send". In most cases, the money is available to your recipient in minutes.
  3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
Click Here to View Zelle Demo

Managing your finances just got easier. Bill Pay allows you to control your payments when you want your bills to be paid. One website, one password. Your way.

Learn more.

Yes, we recommend that each person on the account sign up and use a unique password for online banking.

If you don't see an account listed please inform us of this by calling (608) 798-2400.

Your account information needs to be exported on a monthly basis after your statement is produced. To do this, select your account from the main menu and follow these steps:

  • Transactions
  • Export Transactions
  • Select the export format from drop down menu
  • Click export and save to a file folder on your computer

You can then go into your money management software and follow their instructions to import the file.

Internet access with one of the latest version(s) of a 128-bit encrypted browser such as Chrome, Firefox, Safari, Internet Explorer, etc. or a mobile device with the latest operating system (OS).

Yes, once you are logged in, select Profile in the upper right-hand corner of the home page. On the Profile page, click on the Edit option next to the password or challenge questions to update.

To enroll, click here.

To learn how to get started with Personal Online Banking, view the demo below for details. 

Click to view Personal Online Banking Demo Video

The current balance displayed is the closing information from the previous business day. The available balance displayed includes pending transactions that have not yet posted to your statement. Available balances are immediately reduced by the authorized purchase amount.

Don't get lost in the shuffle with paper statements and notices! Sign up for SBCP eDocuments, and experience the many benefits.

To enroll in eDocument, log into Business Online and select 'Enroll eStatement', located under Quick Launch or at the bottom of the page. The system will then walk you through the enrollment process. View the eDocuments demo to learn more.

Click Here to View eDocuments Demo

Personal Mobile Banking

Mobile deposit is convenient and easy to use. Watch the demo below for more details.

Here are a few steps to consider when using mobile deposit:

  • Before logging into the Mobile Deposit app, we recommend that you close all other apps running in the background on your mobile phone
  • Sign/Endorse the back of your check, and label it "For Deposit Only"
  • When prompted for the amount, enter the check amount that is written on the check
  • Flatten folded or crumpled checks before taking your photos
  • Keep the check within the view finder on the camera screen when capturing your photos
  • Try not to get too much of the areas surrounding the check and take the photos in a well-lit area on solid dark background
  • Keep your phone flat and steady above the check when taking your photos
  • Hold the camera as square to the check as possible to reduce corner to corner skew
  • Make sure there are no shadows across the check and be sure all four corners are visible
  • Look to see if the MICR line (numbers on the bottom of your check) is readable
Click Here to View Personal Mobile App Demo

Yes, pay bills to any vendor you have previously setup. To add a new vendor, simply log on to Online Banking and input your new vendor(s). After the vendor is setup in online banking, you will be able to make payments to that vendor either through Online Banking or our mobile app. Find more information about Online Bill Pay here.

Your mobile app username and password are the same credentials that you use for personal online banking.

Yes, our mobile app utilizes industry-standard security protocols that leverage encryption for transferring data. Encryption helps create a secure environment for the information being transferred between your browser or mobile device and State Bank of Cross Plains PIN, password access, touch ID and facial recognition on supported devices and application time-out when your computer or phone is not in use.

In addition, we ensure that account data is never stored on your device. If your device is lost or stolen, the service can be immediately disabled by either accessing the Profile > Mobile banking tab after logging into the Online Banking website or by calling us at (855) 256-7328.

Anyone currently enrolled for online banking can access their account information from a mobile device, 24 hours a day, 7 days a week. Download our mobile app on Google Play or the App store.

Click Here to View Personal Mobile App Demo

The current balance displayed is the closing information from the previous business day. The available balance displayed includes pending transactions that have not yet posted to your statement. Available balances are immediately reduced by the authorized purchase amount.

Card Manager

View the demo below to learn more. 

Click Here to View Card Manager Demo

ATM transactions are categorized within Others merchant type.

Specific merchant types have been created within State Bank of Cross Plains Card Manager, and these merchant types can be used for controls or alerts via the Alert Preferences or Control Preferences screen.

Yes. The new card number must be registered. The replacement card can be added via Menu > Edit Cards > Add New Card. The old card cannot be removed but can be unmanaged via Edit Cards.

The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. State Bank of Cross Plains Card Manager can typically map the transaction down to a ZIP code or city. If the city or ZIP code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a ZIP code or city, in which case Card Manager will default to a state-level match.

Yes. International transactions can be blocked using the Block International location control. Transactions will be limited to the United States. State Bank of Cross Plains already blocks most foreign countries. To unblock a foreign country, you will still need to contact State Bank of Cross Plains.

Yes. You can unsubscribe through the State Bank of Cross Plains Card Manager application. To unsubscribe, uncheck all cards and accounts and tap OK. Yes. Simply register as a new user. However, you will be required to select a new username.

The primary device is used to track the GPS for My Location alerts and controls, all merchant and threshold alerts, and all fraud alerts will be sent to the primary device. All devices that have registered a particular card can view or change the State Bank of Cross Plain Card Manager settings for that card. Controls (including the On/Off setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing Settings > Primary Device.

When performing an edit check on My Location and My Regions, State Bank of Cross Plains Card Manager compares the geographic location of the mobile device as well as the merchant's information that is sent within the transaction. It is possible for the merchant's transaction information to be an address other than the physical location of the merchant i.e. Corporate or Regional address. In these instances, the transaction will bypass the Card Manager edit checks since the information is not within the set boundaries.

Each time an incorrect username or password is entered the message displays. On the third attempt the account is disabled; for security reasons the message continues to display even if the correct username/password is entered. To unlock your account, please contact us at 855-256-7328.

State Bank of Cross Plains Card Manager are only invoked during authorization of a transaction. In some cases, such as gas stations, a card may be tested for validity by doing a $1 preauthorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will preauthorize for a maximum amount, example: $126, and some gas stations will check validating, example: $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

The app automatically logs you off after 10 minutes of inactivity.

State Bank of Cross Plains Card Manager only shows the transactions that are performed with the card. It does not show the transactions that are done on the account without using your card, such as teller transactions or bill pay.

Yes. The app shows the last 50 card-based transactions posted within the last 30 days. The 30 days of transactions begin after you register in State Bank of Cross Plains Card Manager.

State Bank of Cross Plains Card Manager ignores location information that is more than 8 hours old. So, if the phone is off for more than 8 hours, My Location controls will not take effect, and the transaction will not be denied based on the old location information.

State Bank of Cross Plains Card Manager performs a proximity check of 5 miles at the granularity of ZIP code or city, so if the merchant is close to home then the transactions will still go through. The My Location controls and alerts will check to ensure the merchant location is within a 5 mile radius of the device set as primary within State Bank of Cross Plains Card Manager. These controls impact card present transactions only, therefore internet transactions are not impacted.

My Location is only effective for the enrolled user. To limit the dependent's card, you can use the Region Location feature. You can set up to 3 regions using the map to designate the area.

State Bank of Cross Plains Card Manager is specifically designed to provide you with "real-time" alerts for check card transactions. You are notified almost immediately of card transactions to help identify suspected fraud. Also, any time suspected fraud is identified, you will receive an alert right away. Card Manager is not intended to be a replacement for Online or Mobile Banking.

There is no limit.

Yes. Additional cards can be added within the Menu > Manage Portfolio > Add Card screen.

Zelle

If you send a Zelle payment to an unintended recipient, please contact your SBCP bank immediately for assistance. 

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team (608) 798-2400) and ask them to move your email address or U.S. mobile phone number to State Bank of Cross Plains so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your State Bank of Cross Plains account so you can start sending and receiving money with Zelle through the State Bank of Cross Plains mobile banking app and online banking. Please call State Bank of Cross Plains's customer support toll-free at (608) 798-2400 for help.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither State Bank of Cross Plains nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Keeping your money and information safe is a top priority for State Bank of Cross Plains. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Yes! They will receive a notification via email or text message.

Money sent with Zelle is typically available to an enrolled recipient within minutes.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact customer services at (608) 798-2400.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call customer services at (608) 798-2400 so we can help you.

Scheduled and recurring payments are features provided by State Bank of Cross Plains in our online banking and mobile banking app and are not features of Zelle. Please contact customer services with any questions concerning scheduling or recurring payments.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with State Bank of Cross Plains).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies State Bank of Cross Plains of the incoming payment. State Bank of Cross Plains then directs the payment into your bank account, all while keeping your sensitive account details private.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.

Since money is sent directly from your bank account to another person's bank account within minutes, Zelle should only be used to send money to friends, family and others you trust.

Neither State Bank of Cross Plains nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select State Bank of Cross Plains.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person's bank account within minutes, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

You can send, request or receive money with Zelle.

  1. To get started, log into State Bank of Cross Plains online banking, navigate to Bill Pay and enroll. Once enrolled in Bill Pay, you can then select "Send Money with Zelle". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send". In most cases, the money is available to your recipient in minutes.
  3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
Click Here to View Zelle Demo

Personal Finance Manager

Locate the Help Center within the tool to access additional FAQ and tips. You can also chat online with bank staff or call us at (855) 256-7328 for further assistance.

To categorize a transaction, simply click on the word ‘Uncategorized’ by that transaction and select the Category that applies. To customize your own categories, select ‘Add/edit Your Categories’.

For accounts with SBCP you will be able to see a 365 day of transaction history. External accounts may be limited by the other financial institution site.

Yes, you can export transactions as either a CSV or excel file. To export, select Transactions and then Export to begin.

Yes, click on Add Accounts in the Accounts section of the Dashboard page. If your financial institution name is not found by the search engine, you can still add the account by selecting ‘click here to add an offline account’ at the bottom of the Add Account window.

No, your accounts that you see within online banking are automatically included as part of the application. You do not need to add these accounts.

Within Online Banking, simply click Budget to get started.

Click Here to View Personal Finance Manager Demo


Business Online Banking

Internet access with one of the latest version(s) of a 128-bit encrypted browser such as Chrome, Firefox, Safari, Internet Explorer, etc. or a mobile device with the latest operating system (OS).

The current balance displayed is the closing information from the previous business day. The available balance displayed includes pending transactions that have not yet posted to your statement. Available balances are immediately reduced by the authorized purchase amount.

Yes, when enrolled in online banking you can download and use our Business mobile app. Downloadable apps are available in the app store under State Bank of Cross Plains. Click here for Apple users or click here for Android users to download the Business mobile app.

Yes, the Business Online bill payment service will save you time and money. You can pay your bills anytime, anywhere without having the expense of stamps and envelopes. To get started, please contact your State Bank of Cross Plains Personal Banker or call us at (855) 256-7328.

Click Here to View Business Online Bill Pay Demo

To change a display name or “nickname” on an account, please contact a bank representative at 608-798-5265.

This may happen if there are several accounts to be displayed. To see a hidden account, click on ‘Show all accounts’ at the bottom of your account list. To set accounts to always display on your home page, select 'Edit Accounts' on the top right of your account list and check the box ‘Show on home’. Please contact us at 608-798-5265 for assistance.

Yes, once you are logged in select Profile in the upper right-hand corner of the home page. In the profile page click on the Edit option next to the password or challenge question options. This will then allow you to make your changes.

If you don’t know or want to change your Username for Business Banking, please contact a bank representative at 608-798-5265.

Contact a Business Banker to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs. If you are a current customer, please contact your State Bank of Cross Plains Personal Banker or call us at (855) 256-7328. Watch our demo video to learn more about Business Online Banking.

Click Here to View Business Online Banking Demo


Business Mobile Banking

Yes. Within our Business Mobile App, select 'More' and 'Alert Setup'. Once turned on, you can set up account alerts, security alerts, scheduled alerts, and view your recent history of alerts sent.

Mobile deposit is convenient and easy to use. Watch the demo below for more details.

Here are a few steps to consider when using mobile deposit:

  • Before logging into the Mobile Deposit app, we recommend that you close all other apps running in the background on your mobile phone
  • Sign/Endorse the back of your check, and label it "For Deposit Only"
  • When prompted for the amount, enter the check amount that is written on the check
  • Flatten folded or crumpled checks before taking your photos
  • Keep the check within the view finder on the camera screen when capturing your photos
  • Try not to get too much of the areas surrounding the check and take the photos in a well-lit area on solid dark background
  • Keep your phone flat and steady above the check when taking your photos
  • Hold the camera as square to the check as possible to reduce corner to corner skew
  • Make sure there are no shadows across the check and be sure all four corners are visible
  • Look to see if the MICR line (numbers on the bottom of your check) is readable
Click Here to View Business Mobile App Demo

If you'd like to set up Mobile Alerts, so a text message notification will be sent to your phone, you may set these up through Business Online Banking:

  • Log into Business Online Banking
  • On the main page, under Account Services, choose Messenger
  • Choose one of the mobile banking notifications
  • Click Next and enter all the required information
  • Enter your SMS Address in the email field if you want the message to be sent as a text to your phone. If you would like to receive the alert via e-mail, either keep the e-mail address that defaulted in or input the e-mail address you want the alert sent to
  • Click submit

The Mobile Alerts currently available are:

  • Checking Daily Balance
  • Checking Low Balance
  • Check Cleared
  • Deposit to Account

Please Note: You may be charged for SMS text messages and Internet access depending on your carrier. Web access is needed to use Business Mobile. Check with your service provider for details on your phone's capabilities and specific fees and charges. View demo to learn more.

Click Here to View Business Mobile Alerts Demo

Yes, once enrolled for Bill Pay through Business Online Banking you can access Bill Pay through Payments in the app.

If your phone is misplaced or stolen, your mobile banking access is secured.

  • No personal information from your account is ever stored on your phone, including your password.
  • In addition, your login session automatically times out after a period of inactivity or if you leave the page.

  1. Yes, our mobile app utilizes industry-standard security protocols that leverage encryption for transferring data. Encryption helps create a secure environment for the information being transferred between your browser or mobile device and State Bank of Cross Plains PIN, password access, Touch ID and Facial recognition on supported devices and application time-out when your computer or phone is not in use.
  2. Also for mobile banking, we ensure that account data is never stored on your device. In the event that your device is lost or stolen, the service can be immediately disabled by calling us at (855) 256-7328.

Your Business Mobile User ID and Password are the same set of login credentials that you use for your Business Online Banking Username and Password.

Business Mobile is available for State Bank of Cross Plains Business Accounts. State Bank of Cross Plains does not charge a fee for use of our Business Mobile, however some features may have a charge.

Please Note: Standard data and message rates may apply.

Business Mobile is available to all our Business Online Banking customers. So, if you are not using Business Online Banking yet, sign up now! Once you have signed up for Business Online Banking, please view the demo below to enroll in Business Mobile. For any questions or additional assistance please call State Bank of Cross Plains at 1-855-CLOSE2U (855-256-7328).

Click Here to View Business Mobile App Demo

The current balance displayed is the closing information from the previous business day. The available balance displayed includes pending transactions that have not yet posted to your statement. Available balances are immediately reduced by the authorized purchase amount.


Business Leasing

For transportation equipment, State Bank Leasing charges a remarketing fee based on a Terminal Rental Adjustment Clause (TRAC). Otherwise, there are no fees charged at lease end, provided the equipment is returned in the condition as stated in the lease.

Simply notify us 90 days prior to the end of the lease term (or as indicated in the lease documents) that you will be returning the equipment. You should inspect the equipment to ensure that its condition is the same as when the lease was initiated, excepting normal wear and tear, and make any necessary repairs. Then, simply deliver the equipment to a specified location.

At the end of the lease, you can purchase the equipment, return it, or renew the lease. All State Bank leases have end-of-lease purchase options, which vary depending on the type of equipment.

We handle changes and early terminations on a case-by-case basis. A State Bank lease is non-cancellable; therefore, you are fully obligated to make all payments under the lease over the entire lease term. However, we will work with you to make changes and terminations that your business requires.

Generally, you are responsible for the lease payment plus operating costs, such as maintenance, sales and property taxes, license, registration, and insurance. There is occasionally a special usage fee built into the lease for certain types of equipment. This usage fee is agreed upon with our customer at the beginning of the lease term.

Yes, in fact, the ability to easily upgrade equipment is one of the major business advantages of leasing. With a State Bank lease, you can set up a new contract to meet any upgrade needs. One or more of the components of the lease may be adjusted including term, residual, and rental payment to account for the cost of the upgrade and the additional life of the upgraded leased asset.

You are obligated to pay the rentals in a lease, and must pay all taxes, insurance premiums and maintenance costs related to the equipment, throughout the term of the lease.

State Bank Leasing solutions offer one-source specification and pricing comparisons, volume purchasing discounts, equipment protection and selection assistance on transportation and material handling equipment.

Virtually any type of equipment, vehicles or facilities used by your organization my be leased. You can choose any make or model, new or used, available through any vendor.

Rather than loaning you money to buy a piece of equipment, a leasing company lends the use of equipment or machinery and you pay a periodic lease rental or payment. In essence, you only pay a usage fee for the equipment as it is used rather than paying interest on a loan. Finally, you typically treat a lease differently for accounting and tax purposes.


Business Online Bill Pay

If you made a mistake when typing an account number or address, you should add the payment account again using the correct information. Then delete the account with the incorrect information.

Business Bill Pay can assist you in using its features as follows:

  • This product contains help that is available on each page. Click Help Me With This Page to open Help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
  • If you have general questions, read through the list of frequently asked questions (FAQs).

Please contact us at (855) 256-7328 for assistance.  

Please contact us at (855) 256-7328 for assistance.

Please contact us at (855) 256-7328 for assistance. Before you cancel your service, keep in mind the following:

  • Scheduled payments, including repeating payments, are not paid.
  • Processing payments are paid.
  • You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
  • Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using Business Bill Pay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
  • If you decide to use Business Bill Pay again, you will have to re-enroll and set up your payee list.

Please contact us for help with this.

To sign up for Business Bill Pay, you must be enrolled in Business online and submit a completed enrollment form.

Business Bill Pay uses several methods to ensure that your information is secure.

  • Business User ID and Password: Your business user ID and password are unique identifiers that only you know. As long as you don't share your business user ID and password with anyone, no one can sign in to Business Bill Pay as you.
  • SSL: Business Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
  • Encryption: Business Bill Pay requires your browser to be, at a minimum, a fully SSL-complaint, 128 bit encrypted browser which makes your information unreadable as it passes over the Internet.
  • Automatic Sign Out: In addition, Business Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually 10 minutes). It is best if you sign out immediately after you are finished.

There are two basic steps involved in using Business Bill Pay to make online payments:

  1. Set up your payees.
  2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. Business Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.

Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.

Business Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

  • Pay any person or company in the United States, from your leasing company to your office suppliers.
  • Schedule repeating payments, such as lease payments.
  • Schedule single payments up to one year in advance. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.


Account Alerts

Any alerts generated during that time frame will be held until that period ends. To set this up, go to the Contact Options under Alerts.

For Personal Banking Customers only, yes.

Daily balance alerts are completely customizable. Select how often and what time of day you would like to be alerted.

Absolutely. We recommend that all customers set-up Alerts to monitor account activity. When you activate Alerts, you can watch suspicious activity in real-time.

No. This is a free service. However, please note that text message and data fees may be charged by your service provider to receive text alerts.

Log into Online Banking and select "Alerts" option located on the upper portion of the screen. You can select from the categories you wish to receive alerts on.

When setting up alerts from the Contact Options tab, just click "send activation code." Type the code you receive into the activation box.

Yes. To set up push notifications through our Personal Mobile Banking app:

  • Log on
  • Select 'More' from the main menu
  • Select 'Alerts'
  • Turn on Push Notifications
Click Here to View Personal Mobile App Alerts Demo

For Business Mobile app users:

  • Log on
  • Select 'More'
  • Select 'Alert Setup'

Once turned on, you can set up account alerts, security alerts, scheduled alerts, and view your recent history of alerts sent.

Click Here to View Business Mobile App Alerts Demo


eDocuments

Deposit accounts: Checking Statements, Savings Statements, Checking Overdraft Notices, and Checking Transfer Notices

Loan accounts: Loan Billing Statements, Loan Billing Notices, Loan Payment Receipts, and Loan Past Dues Notices

Whenever an eDocument produces, you will receive an email notification telling you that you have a new statement or notice that is ready to view. Log into online banking and select your Account from the home page. On the Account summary screen, you will be able to select the Documents tab to view your statement or notice. Choose the type of document that you wish to see. You can then enter a date or simply submit to see all of the occurrences of the document that are available. The most recent document will be listed first. Click to view.

Log into online banking. For Personal Banking, select Add eDocuments in the top tool bar.

For Business Banking, select Enroll eDocuments at the bottom of the page. The system will then walk you through the enrollment process.

Click Here to View eDocuments Demo


uChoose Rewards

Yes! All cards within an account automatically earn points together.

It's your choice! You can choose from millions of options like merchandise, travel experiences, activities, event tickets, merchant gift cards or e-certificates, MP3 and game downloads, cash and more.

We keep track of all your points for you... and we will help you find what you're looking for when you're ready to redeem.

You earn points every time you sign for your purchases... plus you earn additional points for shopping at participating retailers, whether in-store at national or local retailers or online through www.uchooserewards.com.

Register your card(s) at www.uchooserewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

It is a rewards program that earns you points every time you use select SBCP debit and credit cards and sign for your purchases. You can earn additional points for shopping at participating retailers with your card. Redeem your points for any reward of your choice from a vast online catalog or choose cash back.

Click Here to View uChoose Rewards Demo