FAQ

• Check a balance prior to making a big purchase
• Make transfers on the go to cover purchases
• Check balances

*Message and data rates may apply – check with your mobile carrier for information about their fees.

• 128 bit SSL encryption, encrypts and protects any transmission of data including customer account information
• Firewalls, protect against unauthorized or malicious intrusion
• Passwords and Security Questions are required to access you accounts. Your NVB Mobile account will be locked after multiple invalid attempts to prevent unauthorized access.

• No personal information from your Mobile Banking account is ever stored on the phone.
• Your password is never stored.
• Your login session automatically times out in less than 10 minutes of inactivity.

• BAL = Current Account Balances
• HIST + Texting Nickname = Transaction History
• ATM + Zip Code = Nearby ATMs
• BRANCH + Zip Code = Nearby Branches
• HELP = List of Valid Commands & Contact Information
• *STOP = Cancel NVB Mobile Texting service

• You can use NVB Mobile Text if your phone allows text messaging
• You can use NVB Mobile Browser if your phone can browser the Internet
• You can download our free app if you have an iPhone or Android

Apple Users
The “log out” button will appear when you push the “more” button

If you forgot your password, click here to have it reset. You will need to change your password on the computer or on your mobile web browser. Once it is reset, you will be able to log in to the app with your new password.

If you know your password and simply want to change it, click here to log in to the web browser version of online banking. Once logged in, you can select Profile and change you password. Once your password is changeg in Online Banking, you’ll be able to log into your Mobile Banking app with the new password.

A scheduled transfer can be scheduled in advance and can be recurring. This type of transfer will not show on your online banking until after the system updates at night. For example, if you create a scheduled transfer for Tuesday, it will not show on your online banking until late Tuesday night and will post for Tuesday’s business.

Both types of transfers must be submitted by 6:00 p.m. CST for it to be processed on the same business day. Transfer submitted after 6:00 p.m. CST will be posted on the next business day (or on the scheduled transfer date if it is a future-dated transfer).

You can access your statements by logging in to your online banking account and selecting the account number you wish to view. From this screen, look for the menu button entitled “Documents.” Select the document type you wish to view and adjust the Date Range if desired. Then click “Submit.” You may then click on the hyperlink of the Statement you wish to view or click on the Save icon.

• Log into online banking
• Click on the account you wish to view
• Click Download
• Select the date range
• Select the desired format
• Click on “Download Transactions”
• Choose whether to open or save the file to your device

To see the full list of available alerts or to setup an alert:

1. Log into your online banking
2. Click on “Alerts”
3. Select the account type you wish to receive an alert
4. Click “Setup New Alert”
5. Select the appropriate alert from the drop down menu & follow the page prompts

Note: This is a different login than used for opening your account online. Click here to setup your online banking access.

If you forgot your password, click here to have your password reset.

Please note that if you’re using the Mobile App, you will need to log in to your Online Banking on the website to change your password. At this time, passwords cannot be changed within the App.

If an entity wishes to grant online access to a person who is not an owner or signer on the account (such as a bookkeeper or accountant), there is an Authorized Internet User form that can be completed by an account owner or signer to grant this access. Please contact the bank to get this process started.

• Pay vendor bills and view payment activity anytime, anywhere
• Delegate responsibility for bill payment
• Set permission controls
• Quickly run customized reports
• Reduce paperwork and bookkeeping
• Maintain more control over cash flow
• Increased security over mailed checks

1. Go to the “Payees” tab
2. Click “Add a Payee”
3. Choose to add a company or individual
4. Complete form by providing requested information about payee and click “Submit payee”
5. Click “schedule a payment to this payee”

• Import payees from Quicken or QuickBooks directly into your Business BillPay account.
• Set up recurring payments. Examples include insurance and loan payments.
• Pay multiple invoices at once. Send a single payment for multiple invoices from a single vendor with extended remittance.

Delegating tasks and setting permission controls

• Delegate certain payment responsibilities, such as paying utilities and suppliers, running reports or accessing payment history.
• Specify who can make payments, which payments they can make and the maximum payment amount and final approval protocols before any payments are made.

Customized reporting

• Audit information
• Review expenses by category
• Payment activity of authorized users

• Set up a one-time transfer or recurring transfers.
• Move funds between personal and business accounts to facilitate operations.
• Anytime, anywhere transfer of funds
• Less expensive option than wire transfers

• Save time, improve organization and enhance controls
• Eliminate spreadsheets and check-writing
• Online payroll access, anytime, anywhere
• Payroll history automatically updated and stored
• Filter options set salaried and hourly employee compensation parameters
• Reminder emails when payroll is due

Will I still receive paper statements when I have eBill?
You will continue to receive paper statements from your payee unless you stop them.

How will I know if eBill is available for a payee?
Look for “Set up eBill” link next to their listing on your Business BillPay home page, “Sign Up” icon under their name in the “View Payees” section.

What are the primary benefits of eBill?
With eBill, everything is in one convenient location. Streamline bill payment routines with online access to past bill summaries at a glance.

• Balance due, due date and minimum payment amount provided. Additional detail available by a link to your account on the payee’s website.
• Select the account to pay from, enter the account to pay and schedule payment date.
• Sign up to receive an email notice when an eBill has been delivered.

When you activate alerts you’ll know exactly what’s happening with your money, and you can watch for suspicious activity in real-time.

However, note that text message and data fees may be charged by your service provider to receive text alerts.

Enrolling from Online Banking allows you to choose the alerts you wish to receive under “Manage Alerts”, via email, text, secure online banking inbox or push notifications.

For Mobile Banking – Log on via your NVB Mobile App, select “More” and turn on “Push Notifications”.

Enrolling from your mobile banking app allows you to choose from a list of alerts that will be sent directly from NVB Mobile to your phone’s messaging center.

Type the code you receive into the activation box.

When “do not disturb” is activated for a set time period, alerts will be held until the “do not disturb” time period is de-activated or expires.

1. It displays a list of your Secure Inbox alerts with the details.
2. You can mark as read or delete past alerts from here.
3. You can also view past push alerts from our Mobile Banking app.

Click to edit or delete any existing alert.

The U.S. government now requires financial institutions to collect and verify specific information from any legal entity (primarily businesses) establishing a new banking relationship.  This includes existing customers updating an existing account, opening a new account, renewing a certificate of deposit or initiating or renewing a loan.

These new rules help fight financial crime. Because legal entities can be used to disguise money laundering, terrorist financing, tax evasion, corruption, fraud, and other financial crimes, requiring the disclosure of key individuals who, a) benefit from ownership; and/or b) control a business, helps law enforcement investigate and prosecute these crimes.

All banks are required to collect this information. We appreciate your cooperation.

The educational articles shared with you from the NVB MyCredit team are designed to provide helpful tips on how you can manage credit and debt wisely.

You can send, request or receive money with Zelle®.

• To start using Zelle® at Nodaway Valley Bank, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to Online Banking or our mobile banking app. Locate the Tab Name tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money With Zelle®®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.
• 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 if they are already enrolled with Zelle®.
• To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
• To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

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 Nodaway Valley Bank.
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.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Nodaway Valley Bank account so you can start sending and receiving money with Zelle® through the Nodaway Valley Bank mobile banking app and online banking. Please call Nodaway Valley Bank’s customers support toll-free at 1-877-217-4682 for help.

Since money is sent directly from your bank account to another person’s bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust.

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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Nodaway Valley Bank 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 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.

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 know and 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, please immediately call customer services at 1-877-217-4682 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Nodaway Valley Bank but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Your mobile carrier’s messaging and data rates may apply.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.