Mobile Banking
Why should I use NVB Mobile?
NVB Mobile provides you with access to account information and transfer capabilities everywhere you take your mobile phone.
- Check a balance prior to making a big purchase
- Make transfers on the go to cover purchases
- Check balances
Is there any cost for NVB Mobile?
NVB does not charge a fee for accessing your accounts in NVB Mobile Banking.
*Message and data rates may apply – check with your mobile carrier for information about their fees.
Is Mobile Banking safe?
Yes, your smart phone (such as an iPhone, Android and Blackberry) has a very controlled and secure operating system. Additionally NVB Mobile uses the same secure features as Online Banking:
- 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.
What if my phone gets lost or stolen?
You can disable your phone’s access to NVB Mobile at any time from within Online Banking. You can also contact our
Customer Support Center to change user names or passwords.
- 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.
Why do I need Online Banking to use Mobile Banking?
Online Banking sets up your user access for mobile banking.
What are the Text Commands for NVB Mobile?
Send messages to: 96924
- 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
Do I need a special phone to use NVB Mobile?
No special phone required! NVB Mobile will work with virtually any phone.
- 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
Can I use NVB Mobile on my iPad or tablet?
Currently NVB Mobile requires a phone number for activation. This means that it will not work on an iPad or tablet. We will notify all customers when this capability is available.
How do I log off of the app?
Android Users
The “Log Off” option will appear when you push your phone’s “Menu” button. Closing the app will also automatically log you off.
Apple Users
The “log out” button will appear when you push the “more” button
How do I change the password or unlock the app?
Contact our
Customer Support Center during business hours to have your access unlocked.
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.
Online Banking
What is the difference between a Transfer & Scheduled Transfer?
After submitting a transfer, it will show immediately on your online banking and is a ONE TIME transfer.
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).
How do I get a bank statement if I am enrolled for paperless statements?
You can access up to 18 months of statements using NVB Online Banking. Online Banking contains an electronic copy of the exact statement you would have received in the mail.
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.
Why am I having problems opening my statement online?
NVB Online Banking requires Adobe Acrobat to view statements online. If you do not have Adobe, or have an outdated version, visit
adobe.com for a free download of Adobe Reader.
How do I export transactions from my online banking?
You have access to 18 months of transactions that can be exported into Quicken, Quickbooks, Microsoft Money, or Excel.
- 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 wether to open or save the file to your device
Can I set up alerts on my account?
Yes. Alerts can be setup to send an email or text message when certain activity occurs on your account.
To see the full list of available alerts or to setup an alert:
- Log into your online banking
- Click on “Alerts”
- Select the account type you wish to receive an alert
- Click “Setup New Alert”
- Select the appropriate alert from the drop down menu & follow the page prompts
How do I enroll in NVB Bill Pay?
To enroll in NVB Bill Pay, you will first need to log into you Online Banking account. Once logged in, click on the menu option “Pay Bills”. You will be prompted to enter a User Name and Password (this needs to be the exact same as your Online Banking Access ID and password). Follow the prompts to complete enrollment.
Why is NVB Bill Pay not working? - Internet Explorer
NVB Bill Pay is no longer supported on Microsoft Internet Explorer.
Click here for alternative browser options.
I can't get logged in!
If you’ve forgotten your password, please
click here to reset your password.
If you believe your password is correct but cannot log in, you may be locked out for unsuccessful attempts.
Click to call or
chat with us to have your access unlocked immediately.
Note: This is a different login than used for opening your account online. Click here to setup your online banking access.
How do I change my Online Banking password?
If you know your password and simply want to change it, log in to your Online Banking account and select “Profile”. You will be able to change your password there.
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.
How do I setup Online Banking for a committee, organization, or business entity?
Online Banking is set up by an individual’s name (an owner or signer on the account). Setup is easy and done completely online, it can also be easily deleted by the bank if yours is an entity in which signers rotate on/off the account.
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.
Free Reward Checking
When do I have to have my debit card and ACH transactions completed?
Our
Free Reward Checking Qualification Calendar shows a monthly list of the cycle end dates for the year. Qualifying debit card purchases* and ACH transactions
must post and clear by the night before the qualification cycle ends. Transactions that post on the day the qualification cycle ends will be counted towards the next qualification cycle.
*Qualifying debit card purchases are for purchases only. ATM-processed transactions and refunds do not count towards qualifying debit card purchases.
How are the tiered interest rates calculated?
If all three requirements are met, the first $25,000 earns the highest bonus interest rate, while all balances over that amount earn the lower bonus interest rate. If the requirements are not met, the account functions as a free checking account, earning the base interest rate. The base and bonus rates may change at the bank’s discretion – view our
current rates.
How are ATM refunds obtained?
If all three qualifications are met, all transaction surcharge fees within the United States will be automatically refunded up to $25 per statement cycle. ATM transactions made outside the United States will only receive refunds on fees charged by NVB.
Will failing to meet the requirements during one qualification cycle prohibit qualifying for rewards in subsequent months?
No, each qualification cycle represents a new qualification period. Excess transactions cannot be “carried forward”.
Do I have to look at my statement online in order to meet the qualifications?
While the bank encourages you to review your statement, this is not a qualifier for the account.
Can I open a Free Reward Checking account if I do not own a computer?
Yes, as long as you have a valid email address. If you do not have a valid email account, a free email account may be set up through a service provider such as Yahoo or AOL.
If I already have an NVB checking account, do I have to open a new account to have a Free Reward Checking account?
No, with your signed authorization we can change your existing account type to a Free Reward Checking account. You may continue using your existing account number, checkbook, and debit card. When your account type is changed, your statement cycle may change.
May a customer have more than one Free Reward Checking account?
Yes, there is no limit on how many Free Reward Checking accounts a customer may open. However, each account has its own set of requirements that must be met to earn the bonus interest rate and ATM refunds. If the 3 qualifications are not met for any account, that particular account will not earn the bonus interest rate or ATM refunds for that qualification cycle.
Beneficial Ownership Certification
Why is my company being asked to sign a Beneficial Ownership Certification Form?
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.
What is the definition of a 'beneficial owner'?
A beneficial owner is any individual who owns – either directly or indirectly – 25 percent (25%) or more equity interest in a legal entity.
What is the definition of an 'individual with significant management responsibility'?
Also referred to as the individual with control, this is the person with significant responsibility for managing the legal entity. Generally, this individual has the authority to act on behalf of the legal entity and make decisions related to financial relationships. For example, a chief executive officer, chief financial officer, chief operating officer, managing member, general partner, president, vice president, or treasurer. This person’s identity must by verified through a government issued ID or passport.
Is it possible for a person with significant management responsibility to open an account or negotiate loan terms, but not be an authorized signer?
Yes. The legal entity’s documents define who is authorized to open and/or sign on deposit accounts or borrow money on its behalf.
What personal information is required for each named individual on the certification?
We are required to obtain the legal name, physical address, date of birth, and social security number (SSN) for each person listed on the certification. A copy of their government-issued ID, driver’s license or passport is required for verification. Non-U.S. citizens must provide a passport number.
May the bank identify beneficial owners after the account has been opened?
The bank is required to collect information on beneficial owners at the time an account is opened. The account should not be funded or loan proceeds advanced until the signed beneficial certification has been received.
Does the change of authorized signers trigger collection of beneficial ownership certification for existing customers?
The bank is also required to update this information for a legal entity when a “significant event” occurs, such as a change in ownership or an individual that has significant management responsibility, i.e., an executive officer or senior manager including Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President or Treasurer requiring a change of authorized signers.
Please advise us of any change in ownership or control so we may update our records.
Who should complete the certification form on behalf of the entity?
The individual with authority to request an account be opened or a loan be granted is the person to complete the certification. This could also be the person named as the individual with significant management responsibility, or someone who has been designated by that individual to establish bank relationships on behalf of the legal entity. The person who completes the form will sign it certifying the information is accurate to the best of his or her knowledge.
What if my company is owned by another legal entity?
Indirect ownership means the legal entity may be owned by one or more legal entities. We are required to obtain information on the individuals behind these layered entities who have 25 percent or more ownership in the legal entity. The bank is required to “drill down” to a natural person.
Is certification required when no individuals have 25 percent or more ownership?
Yes. You would simply mark the box indicating there are no individuals with beneficial ownership and complete the control section for the individual with significant management responsibility.
Are there any exceptions to the beneficial ownership rule?
There are limited exceptions to the collection of beneficial ownership information. It is not required of government agencies, publicly traded companies, sole proprietorships, or unincorporated associations (i.e., youth sports leagues, Scout troops, after- prom parent groups, bowling teams, etc.)
What is required for non-profit corporation or association?
The bank must determine whether the organization applying to open the account is a state chartered legal entity. Non-profit corporations or similar entities, including non-government organizations (NGO’s), charities and religious organizations (whether or not tax-exempt) are exempt from the beneficial ownership portion of the requirement, requiring only the information on the
individual with significant responsibility to control, manage, or direct the entity be obtained, along with verification of their identity, i.e. a driver’s license or government issued ID. In most cases, the individual is also an authorized signer on the account.
Are accounts designated “doing business as” (DBA) exempt?
The bank must know the name of the underlying legal entity of any business that uses another name in public. For example, if a restaurant goes by the name “Taco-Taco,” but the legal owner is “Serious Brands, Inc.”, the bank must obtain beneficial ownership information on Serious Brands, Inc. as the legal entity.
Are trusts exempt?
Generally, personal trusts are exempt from these rules since they are created without a public filing. However, any trust created by the filing of a public document with the appropriate state office, such as
statutory trusts or business trusts which are similar to corporations, are subject to these requirements.
How are Interest on Lawyers Trust Accounts (IOLTA accounts) treated for purposes of the beneficial ownership rule?
Under most state laws, an IOLTA is considered a non-statutory trust account. The bank must obtain certification of the individual with significant management responsibility and verify their identity, i.e. obtain government issued ID or driver’s license.
What will the bank do with this information?
We are required to maintain this information as part of the records associated with the legal entity. It is treated with the highest level of confidentiality and security as all other customer information.
