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Manhattan Bank

Online Banking FAQs

In order to make your Netteller experience a pleasant one, we have tried to anticipate some questions you may ask. Before you begin, please read over these questions.

Thank you for choosing Manhattan Bank for your Online Banking and Bill Pay solution.
Q. Who do I call if I can't find the answers to my questions in this document?
A. For questions regarding Netteller please contact us at 406-284-3255 between the hours of 8:00 a.m. and 5:00 p.m. MT Monday through Friday, excluding holidays. 


Q. What is Netteller?
A. Netteller offers secure and convenient access to your Manhattan Bank accounts anytime using the Internet. This service provides you the ability to:
  • View and print information on all your accounts, including loans.
  • Review and print transactions and history for the last three months. History starts to build after you sign up.
  • View and print Statements for the past twelve months. Historical statements start to build after you sign up.
  • Confirm deposits, withdrawals and paid checks.
  • Transfer funds between your Manhattan Bank accounts.
  • Make Manhattan Bank loan payments.

Q. How do I get started banking online with Netteller?
A. Manhattan Bank customers can start the Internet Banking process by completing an online application or by visiting any office location to complete an application. Once a signed application is received by the bank and processed, you will receive your assigned ID number and password to use when logging into the system. Once you sign into Netteller, you will be prompted to change your password.


Q. What are the password requirements?

A. Your password must consist of 6 to 15 alpha/numeric characters (example of alpha/numeric password: bank4me).


Q. Is there a cost associated with Netteller?

A. Netteller is a free service to any customer of Manhattan Bank.


Q. How do I use Netteller?

A. After you enter your Netteller ID and Password on the first screen, your accounts with balances are listed. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu to the right of the account. Additional information is available in the Netteller User Guide.


Q. Which accounts can I access through Netteller?

A. 
  • Checking Accounts
  • Savings Accounts
  • Health Savings Accounts
  • Money Market Accounts
  • Certificate of Deposit Accounts
  • Individual Retirement Accounts (IRAs)
  • Overdraft Protection (Ready Credit)
  • Loans
  • Lines of Credit

You may transfer funds:

From:  To: 
Savings Loan
Checking Savings
Money Market Account  Checking

Money Market Account
You can advance or pay off your Overdraft Protection (Ready Credit) from your corresponding checking account.

Certificate of Deposit and Individual Retirement Accounts (IRAs) have only viewing capabilities. 


Q. Can I change the name of my account descriptions?

A. Yes. Once in Netteller, click on the Options tab. Next, click on the Account tab listed below. Enter a description for each of your accounts under the Account Pseuduo Name fields. Click "Submit" to accept the changes. We advise you to not include any actual account numbers in the description.


Q. What is the cut off time for transactions made through Netteller?

A. The transfer cut-off time for current day’s business is 8:45 PM, Monday through Friday, excluding holidays. Any transfers made after this time will be considered “Next Day’s Business”. Transfers on weekends and holidays will post the following business day.


Q. I'm having trouble signing on. What should I do?

A. Perhaps you have forgotten your ID or password or entered one of them incorrectly. You are allowed three (3) invalid sign-on attempts before the system will lock you out. Once you have exceeded the three (3) attempts and the system has locked you out of Netteller, you will need to call the bank at 406-284-3255 between 8 a.m. and 5 p.m. MT Monday thru Friday, excluding holidays. A bank representative will verify your identity and that you are the account owner before unlocking the account. The representative will then inform you how to access Netteller again.
Another situation could be that your Netteller account has become dormant. For your protection the bank will automatically set the account to a dormant status after 90 days of inactivity. If your message tells you that your account is dormant you will need to call the bank at 406-284-3255 during regular business hours, excluding holidays. A bank representative will then inform you how to access your Netteller account again.
If the account remains dormant and is not accessed for 365 days; you will need to contact the bank.
Occasionally the problem is with your Internet Browser. Netteller supports Internet Explorer 7.0 and higher. Your Internet Browser must have 128-bit encryption and the cookies "enabled."


Q. I forgot my Netteller ID number or Password. What do I do now?
A. Call us at 406-284-3255 between 8 a.m. and 5 p.m. MT Monday thru Friday, excluding holidays. After we verify your identity and that you are the account owner; we will reset your login information. Please note that Manhattan Bank will NOT ask you for your Netteller password.


Q. What happens if I get locked out of my Netteller account?
A. You are allowed three (3) invalid sign-on attempts before the system will lock you out. Once you've exceeded the three (3) attempts you will need to call the bank at 406-284-3255 during regular business hours, excluding holidays. A bank representative will verify your identity and that you are the account owner before unlocking the account.
You may also self reset if you have already setup the required parameters inside of Netteller. To do this, Login to Netteller as normal and click on the Options tab under the logo. You must have a valid email address listed. If not please enter in the appropriate boxes or enter the correct email in the CHANGE EMAIL box. You must also have the RESET QUESTION and RESET ANSWER boxes filled in. When finished click on SUBMIT to accept your changes. To return to the account listing page click on NETTELLER tab under the logo. Then once locked out from the login page click on RESET Netteller and the system will send you an email with a reactivation link only good for the next two hours.


Q. What happens if I don't log off the system?
A. Netteller has a 10 minute time-out feature. If you are logged into the system and do not make any key strokes for 10 consecutive minutes, the system will log you out and you will need to log in again to resume banking.


Q. What happens if I get an error message?
A. If you get an error message, please note the error number along with the time. Then simply contact the bank by email at service@manhattanbank.com or phone at 406-284-3255 and report the error to the System Administrator. Manhattan Bank will make every effort to resolve the error as soon as possible.


Q. How much history can I see online?

A. You have the ability to view 3 months of current history. Statements are retained for 12 months starting from the month you opened your Netteller account. If you need information further back than viewable through Netteller, please contact our Bookkeeping department at 406-284-6308 between 8 a.m. and 5 p.m. MT, Monday thru Friday, excluding holidays.


Q. What formats/programs can I use for downloading transactions?

A. You can download transactions from Netteller into the following formats:
  • Microsoft Money (.ofx)
  • Intuit Quick Books (.iif)
  • Personal Finance (.qif)
  • Spreadsheet (.csv)
  • Word Processing (.txt)
Sorry, we do not have a relationship for direct download with QuickBooks.

Q. Can I unlock Netteller myself?
A. Yes, but first you need to have some parameters setup within Netteller. To do this, Login to Netteller as normal and click on the Options tab under the logo. You must have a valid email address listed, if not please enter in the appropriate boxes or enter the correct email in the CHANGE EMAIL box. You must also have the RESET QUESTION and RESET ANSWER boxes filled in. When finished, click on SUBMIT, to accept your changes. To return to the account listing page click on NETTELLER tab under the logo. Then, if you are locked out, from the login page click on RESET Netteller and the system will send you an email with a reactivation link only good for the next two hours.

Q. What is Bill Pay?
A. The Manhattan Bank Bill Pay service allows you to pay bills online. Depending on which type of payment option is available, payees will receive electronic payments or a check in the mail. To save you time in the future, recurring payments can also be set up.


Q. How do I get started using Bill Pay?
A. Bill Pay works in conjunction with Netteller. You must be signed up with Netteller to use Bill Pay. Click on the Bill Pay tab and agree to the terms and conditions to automatically enroll. The next step to begin is to setup the Payees then make a payment.


Q. Who do I call for questions regarding Bill Pay issues?
A. Please call Bill Pay support at 833-283-3415. 5:30 AM - Midnight MST. You may also call the bank directly at 406-284-3255.


Q. What is the cost for Bill Pay?
A. Bill Pay is FREE for the first 3 months; then $4.95 a month up to 10 payments. After 10 payments an additional $0.35 per payment is charged. Your primary Manhattan Bank checking account will automatically be deducted for the fee at the end of the month.


Q. Who can I pay with Bill Pay?
A. You may pay anyone in the United States, from your next door neighbor to the utility company. The only restriction is that you cannot make payment(s) to any governement agencies. There is no limit to the number of payees you may have.


Q. How are bill payments processed?

A. There are two types of payment - Check and Electronic.

There are two processing times a day 6 AM  and 1 PM (Mountain Standard Time).
 
Payments submitted, recurring or one time, entered before 6 AM MST Monday-Friday will be processed at 6 AM MST. Payments submitted between 6:01 AM and 1:00 PM MST will be processed at 1 PM MST. Payments received after 1 PM MST on Monday-Friday will be processed the next business day.
 
If the payment is by check, and entered before the last processing of the day, it will be mailed on the same day the payment is submitted. Payments created after the 1 PM processing, the check will be processed and mailed the following morning. Be sure to adjust the payment date to account for mail time, which is normally 5 to 7 days. Your Manhattan Bank checking account will be charged when the check clears with the bank, and an image of the check will be returned to you in your next monthly statement.

If the payment is electronic allow 3 business days from when the payment is submitted. After a payment is processed, it is deposited directly to the payee's account. Your Manhattan Bank checking account will be charged the same day the item is submitted if entered before 6 AM and 1 PM.

All payments scheduled to go on a weekend will be processed on the processing day BEFORE the weekend.
Payments processed on Sunday will include any new payments that may have been scheduled over the weekend.
All payments scheduled to go on a holiday will be processed the day BEFORE that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.


Q. How do I know if a payee is electronic or check?
A. Once you have setup the payee, you can look at the "Payee List" screen. There will be a field indicating whether the payment will be check or electronic.


Q. How long does it take a payment to reach the payee?
A. Electronic Payments: Please allow 2 to 3 business days from the payment date.
Check Payments: Please allow 5 to 7 business days for a check payment to arrive to the payee. (Just a note - we cannot guarantee U.S. Postal Service delivery times).


Q. When will the money be taken from my account?

A. The amount of the payment will be automatically deducted from your Manhattan Bank checking account the day of processing if an electronic payment. If a check, the item will be deducted when it clears with the bank.


Q. Can I edit an existing payee that is already set up?

A. You may edit the address of a CHECK payee only. If you want to change anything else, the payee must be deleted and re-entered or setup as a new payee.


Q. Will the memo field shown on the "Add Payment" screen be printed on the check to the payee?

A. Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Memo's longer than 40 characters will automatically cut off the extra information. Memo field information will NOT appear on electronic payments.


Q. How long will payment history be viewable online?
A. Payment history for active and deleted payees is retained and viewable for 18 months.


Q. Are there minimum and maximum payment amounts?

A. Electronic payments are validated against your bank account's available account balance prior to processing. Minimum payment is $0.01 with a maximum electronic limit of $250,000.00. Check payments maximum limit is $99,999.99. E-mail payments (also known as P2P) have a maximum limit of $2,500. Pay an Individual payments have a maximum of $1,000.00 per transaction and $2,000.00 per processing day. 


Q. What does the "status" field indicate on the Payment History page?
A. Processed-The payment has been processed and sent.

Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if it’s a recurring payment and it expires, or if you delete the payment. 

Communication Failure-There was an error due to communication problems. The payment will try again during the next processing run.

Vendor Refund-Payment rejected at the electronic vendor.


Q. Can I get a copy of a cancelled check?

A. Yes, you can request a copy of a cancelled check by calling Bookkeeping at 406-284-6308. There will be a fee associated with this service.


Q. Can I stop a payment?
A. Check payments can be stopped after the check is printed and mailed. Payment history will show the check number for that payment. Call Bookkeeping at 406-284-6308 to complete the process. Payments processed electronically cannot be stopped once they have processed. There will be a fee associated with this service.


Q. What happens if I have a scheduled payment that falls over a weekend or holiday?
A. If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

Q. How do I sign on to Manhattan Bank’s Mobile Banking?
A. Enter the same User ID and Password you use to access Netteller Online Banking. You must also have the Manhattan Bank Mobile Banking App. (See Mobile Banking FAQs: How do I download the Manhattan Bank Mobile Banking App)


Q. Not enrolled in Netteller Online Banking?
A. To use Manhattan Bank Mobile Banking you must have an active Netteller Online Banking account. This is a free service but you must apply for it. You may apply here or stop by any of our locations and talk with a Customer Service Representative.


Q. I forgot my ID and Password. What do I do now?
A. Call us at 406-284-3255 between 8 a.m. and 5 p.m. MT Monday through Friday, excluding holidays. After we verify your identity and that you are the account owner; we will reset your login information. Please note that Manhattan Bank will NOT ask you for your Netteller password.


Q. Is there a fee for Mobile Banking?
A. Manhattan Bank does not assess a fee to use Mobile Banking or the Mobile App. Your wireless carrier may assess message and data rates.


Q. How do I download the Manhattan Bank Mobile Banking App?
A. The Mobile Banking app is available for both Apple and Android products. Visit the iTunes Store or Google Play Store online and search for 'Manhattan Bank Mobile Banking'. Tap to install/download the app to your device.


Q. What mobile devices are supported?

A. Mobile Web is supported by any mobile device that has access to an Internet browser. The Mobile Banking App supports mobile devices using the Android or Apple iOS (iOS 8 and newer) operating systems. Mobile Banking works with any web-enabled mobile device whose network allows secure SSL traffic. If you are unsure you should contact your mobile service provider.


Q. What is the difference between the Mobile Web, Mobile Text Banking and Netteller Online Banking?

A. Mobile Banking provides additional functionality and is available for use on a smartphone or tablet with a data plan. Mobile Web has similar functionality of Mobile Banking but does not require an app. It is available on a mobile device with Internet browser access. Mobile Text Banking provides very basic information for use on a phone with a texting plan only. Netteller has many of the same features and more than Mobile Banking but is not designed for the smaller screens or mobile operating systems.


Q. What accounts are available in Mobile Banking?

A. You can view account balances for the accounts you currently have available to you through Netteller. If you require access to other accounts please contact a Customer Service Representative to discuss this option.


Q. How current is the information in Mobile Banking?

A. The balance on the account screen is the current balance at the start of the day. When viewing an account the Available Balance is real time, based on transactions completed throughout the day; this may include cash deposits/withdrawals at a branch, ATM withdrawals, debit card purchases, telephone and online transfers. If applicable, this balance also includes your Overdraft Protection (Ready Credit) that is still available. Transaction detail with the current date are those pending processing and reflected only in the Available Balance.


Q. Is Bill Pay available with Mobile Banking?

A. Yes. you may do many of the functions in Mobile Banking. A few features may only be available from the traditional login on a computer into Netteller.


Q. Can I transfer funds between accounts?

A. You may transfer from eligible checking, money market, and savings accounts you have linked to your Netteller. You can transfer money to any eligible checking, money market, savings and loan accounts. In some cases transfers may not be permitted due to a restricted account type.


Q. What is the cut off time for transactions made through Mobile Banking?

A. The cut off time for transfers are the same as traditional Netteller. The transfer cut off time for current day’s business is 8:45 PM, Monday through Friday, excluding holidays. Any transfers made after this time will be considered “Next Day’s Business”. Transfers on weekends and holidays will post the following business day.


Q. How do I know if my transfer completed successfully?

A. Each time you make a transfer you should see a Transfer Confirmation screen with a confirmation number. If you do not see the confirmation, double check to make sure the transaction completed. If you lose signal/connectivity during a transfer and do not see the confirmation screen, you should double check your account to see if the transaction completed.


Q. What if I no longer want Mobile Banking?

A. Log into your traditional Netteller from a personal computer. Select Options > Mobile Setting> Uncheck 'Enable web access for your mobile device'


Q. What happens if I lose my mobile device or my number changes?

A. Log into your traditional Netteller from a personal computer. Select Options > Mobile Settings > Uncheck 'Enable web access for your mobile device'. Since your account data is not stored on your mobile device, your information is not compromised. When you replace your device or get a new phone number, go into your settings to edit, check the box to enable web access and update your phone number and wireless provider.


Q. Is Manhattan Bank Mobile Banking secure?

A. Yes! No detailed information is sent through Mobile Banking. You choose to set nicknames for accounts instead of using account numbers. No account data is stored on the mobile device, so when you log out of mobile banking, the session ends.


Q. Can I enroll for Mobile Text from my mobile device?
A.  No. Enrollment for Mobile Text must begin within your traditional Netteller Online Banking on your personal computer. Click on Options>Mobile Settings>Text Mobile Settings.
  • Check mark the box 'Enable text access for your mobile device'
  • Check the box 'Accept Manhattan Bank Text Banking Terms & Conditions'
  • Enter your Mobile Phone Number
  • Select your Wireless (mobile) provider
  • Check the accounts you would like to have available in text banking
  • To complete enrollment, you must reply "Yes" to the text message sent to your enrolled mobile device
  • Text Manhattan Bank’s short code '89549' with text commands to receive your banking information

Q.How do I get information on a specific account?
A. During the enrollment process you designate a short name for each enrolled account. This short name must be included in the text request to get account specific information.

Q. How do I un-enroll for Mobile Text?
A. Un-enrollment can be accomplished in one of two ways. You can log into your traditional Netteller Online Banking site on your personal computer, in Mobile Settings, uncheck Mobile Text or you can text STOP to 89549.

Q. I tried to sign up for Mobile Text but it tells me my phone is not valid. Why?
A. If you have already signed up for Text banking at another institution you may not be allowed to have two plans active for that phone number. You will need to un-enroll in your other service or that phone number will not be available for the service from Manhattan Bank.

Q. Are text commands case-sensitive?
A. No, commands can be sent in lowercase (bal) or all capital letters (BAL).

Q. What is Mobile Deposit?
A. Mobile Deposit allows you to use our Mobile Banking App and a device with a camera to deposit a check into your account, without coming to a bank location.


Q. Is there a fee for Mobile Deposit?
A. Yes, a convenience fee of $0.50 cents per item deposited will apply. The fee will be assessed to the account into which you deposit on the same day as the deposit posts. Manhattan Bank is not responsible for any fees incurred by your wireless carrier.


Q. How do I access and enroll in Mobile Deposit?
A. Mobile Deposit is only available from within the Manhattan Bank Mobile Banking App. Once logged into Mobile Banking click on the menu (3 lines upper left corner) and click on Mobile Deposit. The first time you will need to enroll and accept the Mobile Banking Agreement. After your enrollment has been confirmed you will be able to make deposits; check back in 24 hours for access to Mobile Deposit.


Q. Is Mobile Deposit available to everyone?
A. The service is available for those who have been a customer of Manhattan Bank for at least 90 days and we have not returned checks or other items that were drawn on your account for the past 6 months. Must be a Netteller user. Enrollment subject to Bank approval.


Q. What are the Mobile Deposit Limits?

A. Users can deposit up to $2,500 per day or $5,000 per month. If you attempt to deposit in excess of these limits, your deposit will be declined. If you require a different limit, you may contact a Customer Service Representative to discuss your options.


Q. What types of accounts can I deposit into?

A. You can make deposits to Checking, Money Market and Savings accounts at Manhattan Bank.


Q. How many checks can I deposit at a time?

A. Mobile Deposit will only allow you to deposit one check at a time.


Q. How should I endorse the back of my check?

A. An endorsement is required on all checks deposited via Mobile Deposit. The payee must endorse the check by signing their name or business name to whom the check is payable in the designated area on the back of the check. An endorsement stamp is also acceptable for checks deposited into a business account.


Q. What is the cut off time for deposits made in Mobile Banking?

A. The cut off time for current day’s business is 5:00 PM (MT), Monday through Friday, excluding holidays. Any transfers made after this time will be considered "Next Day’s Business". Transfers on weekends and holidays will post the following business day. Mobile Deposits will not be available until processing has occurred at the end of the business day. This occurs at approximately 9 PM (MT).


Q. Can I deposit any check that I receive?

A. Generally, all consumer and business checks that are payable to you (account holder) may be deposited through Mobile Deposit. There are certain types of checks that are not allowed to be deposited. We ask that you do not deposit "official" checks like Cashier's Checks or Money Orders through this program. A complete list of checks not accepted can be found in our Mobile Banking Agreement. If a check is not acceptable for mobile deposit, you will need to bring it to a bank location to deposit.


Q. How do I make a Mobile Deposit?

A. Log into the Mobile Banking App, Tap on the Menu (3 lines upper left corner), take a picture of the front and back of your check, enter the amount and select the account into which you want to to deposit.


Q. What happens if my deposit is not approved?

A. You will receive an email notice, call from the bank or a mailed notice informing you your deposit was not accepted and why. You will have to bring the check into the bank to be deposited as the same check cannot be re-deposited through Mobile Deposit.


Q. What happens if I accidentally deposit my check twice?

A. The system will not allow you to deposit the same check twice.


Q. What if I encounter an error when attempting a Mobile Deposit?

A. There could be times when the system is unable to read account data on the bottom of a check. If this occurs, it will provide you with messages on how to position your check and retake the photo. If still unable to deposit, you will need to bring the check to a bank location to deposit in person.


Q. What should I do if the screen is blank when I attempt to take a photo of my check?

A. Go to your mobile settings and in the Manhattan Bank Mobile Banking app allow the app to use the 'Camera' and 'Use Cellular Data'. (Please note that the settings on each mobile device may vary).


Q. What do I do with the check after I deposit it?

A. You MUST retain the check for at least 30 business days from the date of the image transmission. After 30 days, you agree to destroy the check that you transmitted as an image, make it “VOID”, or otherwise render it incapable of further transmission, deposit or presentment. During the time the check is available, you agree to promptly provide it to Manhattan Bank upon request. Shredding is the best method of destroying the check.


Q. How do I add accounts to show on the account selection?

A. You will need to contact a Customer Service Representative at 406-284-3255 to request additional accounts be added to your Mobile Deposit.


Q. I signed up for Mobile Deposit, why is the menu not working?

A. After you enroll in Mobile Deposit you need to wait 24 hours to make a deposit while we review and accept your enrollment. If the system will not work after this time contact us at 406-284-3255 or service@manhattanbank.com to assist you.


Q. Why was my enrollment revoked?
A. Enrollment is revoked when there is misuse of the Mobile Deposit Service. It is possible enrollment will be removed if inactive for a long period of time.