Online Banking
Online Banking FAQs
In order to make your Online Banking 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 Online Banking please contact us at 406-284-3255 or your local branch between the hours of 8:00 a.m. and 5:00 p.m. MT Monday through Friday, excluding holidays.
A. For questions regarding Online Banking please contact us at 406-284-3255 or your local branch between the hours of 8:00 a.m. and 5:00 p.m. MT Monday through Friday, excluding holidays.
Q. What is Online Banking?
A. Online Banking offers secure and convenient access to your Manhattan Bank accounts anytime using the Internet. This service provides you with the ability to:
A. Online Banking offers secure and convenient access to your Manhattan Bank accounts anytime using the Internet. This service provides you with the ability to:
- Access your checking, savings and loan accounts
- Real time view of transactions including images
- Transfer funds between your Manhattan Bank accounts
- Make Manhattan Bank loan payments
- External transfer funds to/from your accounts at other institutions
- e-Statements for a copy of your monthly statement, enrollment required
- Request and view stop payments
- Maintain your Debit card by setting alerts, activate, reordering or closing if lost/stolen
- Make digital payments for bills or personal payments. Bill Payment feature available upon enrollment. Fee for this service.
- Download transactions
- Integration with Autobooks® (Fees directly with company, not bank controlled)
- Integration with Intuit (Fees directly with company, not bank controlled)
- Live conversation feature available Monday – Friday from 8:30 AM – 4:30 PM, excluding holidays
Q. How do I get started banking online ?
A. Click here to auto enroll.
Q. What are the password requirements?
A. Your password must consist of 10 to 25 characters including a number, letter, capital letter, and symbol. (example of alpha/numeric password: bank$4Me).
Q. Is there a cost associated with Online Banking?
A. Online and Mobile are a free service to any customer of Manhattan Bank.
Q. Which accounts can I access through Online Banking?
A.
- Checking Accounts
- Savings Accounts
- Health Savings Accounts
- Money Market Accounts
- 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.
Q. Can I change the name of my account descriptions?
A. Yes. Click on Accounts; choose your account to rename; click on settings; in the top right click on rename. Enter new account name and save.
A. Yes. Click on Accounts; choose your account to rename; click on settings; in the top right click on rename. Enter new account name and save.
Q. What is the cut off time for transactions made through?
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. Click the 'Forgot?' link on the sign in page and follow the prompts to reset your account. You may choose to get a link via email or SMS text message. You must click the reset link on the same device you requested it from or you will get an error.
Another situation could be your Online Banking account has become inactive. For your protection the bank will automatically set the account to a dormant status after 365 days of inactivity. You can re-enroll if your account is no longer active.
Q. I forgot my ID 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. You may also click the 'Forgot?' link from the sign in page to self reset.
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. You may also click the 'Forgot?' link from the sign in page to self reset.
Q. What happens if I get locked out of my Online Banking?
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.
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.
Q. What happens if I don't log off the system?
A. After 10 minutes the system will time-out.
A. After 10 minutes the system will time-out.
Q. What happens if I get an error message?
A. If you get an error message, please note the error and contact the bank by email at service@manhattanbank.com or phone at 406-284-3255. Manhattan Bank will make every effort to resolve the error as soon as possible.
A. If you get an error message, please note the error and contact the bank by email at service@manhattanbank.com or phone at 406-284-3255. 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 at least 120 days of history. e-Statements are stored for 18 months and begin to build storage after you are enrolled. If you need information further back than viewable, please contact our Bookkeeping department at 406-284-6308 between 8 a.m. and 5 p.m. MT, Monday thru Friday, excluding holidays. There may be a research fee for prior information.
Q. What formats/programs can I use for downloading transactions?
A. You can download transactions into the following formats:
- Open Financial Exchange (.ofx)
- Spreadsheet (.csv)
- Text File (.txt)
There is also an integration with Intuit and Autobooks.
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.
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 Online Banking. Click on the Bill Pay tab to automatically enroll. The next step to begin is to setup the Payees, then make a payment.
A. Bill Pay works in conjunction with Online Banking. Click on the Bill Pay tab 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 or your local branch.
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 or your local branch.
Q. What is the cost for Bill Pay?
A. There is no fee for Bill Pay.
A. There is no fee for Bill Pay.
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 you cannot make payment(s) to any government agencies. There is no limit to the number of payees you may have.
A. You may pay anyone in the United States, from your next door neighbor to the utility company. The only restriction is you cannot make payment(s) to any government agencies. There is no limit to the number of payees you may have.
You may pay a business for a bill or a person directly.
Q. How are bill payments processed?
A. There are two types of payment - Check and Electronic.
There are two electronic processing times each business day, 6 AM and 1 PM (Mountain Standard Time). Check cutoff is 11 AM (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 which 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.
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.
A. Electronic Payments: Please allow 2 to 3 business days from the payment date.
Check Payments: Please allow 7 to 15 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.
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.
A. Processed---The payment has been processed and sent.
Rejected NSF---The payment 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.
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 which 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.
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. If you already have an Online Banking account, then download the Manhattan Bank MT App and login.
A. If you already have an Online Banking account, then download the Manhattan Bank MT App and login.
(See Mobile Banking FAQs: How do I download the Manhattan Bank Mobile Banking App)
Q. Not enrolled in Online Banking?
A. To use Manhattan Bank Mobile Banking you must have an active Online Banking account.
A. To use Manhattan Bank Mobile Banking you must have an active Online Banking account.
Q. I forgot my ID and Password. What do I do now?
A. click on Forgot? link and follow the instructions to reset your login.
A. click on Forgot? link and follow the instructions to reset your login.
Call us at 406-284-3255 or your local branch 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.
Q. Is there a fee for Mobile Banking?
A. Manhattan Bank does not assess a fee to use Mobile Banking or the Mobile App.
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 MT'. Tap to install/download the app to your device.
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 MT'. Tap to install/download the app to your device.
Q. What accounts are available in Mobile Banking?
A. You can view account balances for the accounts you currently have available to you through Online Banking. If you require access to other accounts please contact a Customer Service Representative to discuss this option.
A. You can view account balances for the accounts you currently have available to you through Online Banking. 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. Your available balance is a "real-time" balance which includes pending transactions and any holds. Your Ready Credit, if applicable, is not included in the balance. Contact us for more information on how your balances are calculated.
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 Online Banking.
Q. Can I transfer funds between accounts?
A. You may transfer from eligible checking, money market, and savings accounts you have linked to your Online Banking. 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. Can I transfer funds to/from my other financial accounts?
A. Within Online Banking you may separately setup the External Transfer service.
A. Within Online Banking you may separately setup the External Transfer service.
This allows you to transfer funds between your linked personal deposit accounts at Manhattan Bank and other deposit accounts you are authorized on at other financial institutions.
You will need to enroll each of your external bank accounts that you wish to use for this service.
Transfers are subject to the following limits unless otherwise agreed upon by you and Manhattan Bank: 1. Five inbound transfers per day not to exceed a total of $5,000. 2. Five outbound transfers per day not to exceed a total of $5,000.
Q. What is the cut off time for transactions made through Mobile Banking?
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.
Mobile Deposit
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.
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. No, it is a free service. Manhattan Bank is not responsible for any fees incurred by your wireless carrier.
A. No, it is a free service. 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 by the bank you will be able to make deposits. Confirmation may take up to 24 hours for access to granted for 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 by the bank you will be able to make deposits. Confirmation may take up to 24 hours for access to granted for 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 there is no history of returned checks the past 6 months. The account should be in good financial standing. Enrollment subject to Bank approval.
A. The service is available for those who have been a customer of Manhattan Bank for at least 90 days and there is no history of returned checks the past 6 months. The account should be in good financial standing. 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 endorsement must contain your signature, then include "Mobile Deposit Manhattan Bank". Optionally, you may include the last four digits of your account number.
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 payable to you (account holder) may be deposited through Mobile Deposit. There are certain types of checks which are not allowed to be deposited. We ask you do not deposit "official" checks, such as Cashier's Checks or Money Orders, through this program. A complete list of checks not accepted can be found in our Online 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, select the Menu (3 lines upper left corner), select Deposit, enter the amount, choose the account, take a picture of the front and back of your check, and submit. An email confirmation will be sent to the email on file.
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. You will be responsible for the amount and should it complete it will be deducted from your account.
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 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 90 business days from the date of the image transmission. After 90 days, you agree to destroy the check 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 or your local branch 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 your local branch 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 also possible enrollment will be removed if inactive for a long period of time.
A. Enrollment is revoked when there is misuse of the Mobile Deposit Service. It is also possible enrollment will be removed if inactive for a long period of time.