Important News About Your Account
We have upgraded our systems to provide an enhanced customer experience.
Click here for Frequently Asked Questions (FAQs)
You can expect:
- A new, easier-to-use Mobile Banking app.
- Redesigned Online Banking.
- Real-time eAlerts via text or email.
- Selected loan statements and deposit account notices available in Online Banking.
- Debit/ATM card controls available directly in our Mobile Banking app.
- Easier-to-read escrow statements.
- Overdraft Protection fees charged as they occur, rather than at the end of the month.
- IRA certificate interest paid monthly rather than every 6 months.
- Later this year, Zelle® will be fully integrated into our Mobile app.
Also:
- Your account numbers and Online/Mobile username will stay the same.
- You will receive two account statements for October: one for October 1–18; the other for October 19–31.
- ACH electronic deposits with an effective date of October 21 will be posted early, on Friday, October 18.
Depending on the products and services you use, you may have to take action. Here’s what you need to know:
Online/Mobile Banking
- You will be prompted to set up a new password and accept new disclosures. Login instructions have been sent to you via email.
- We have launched a new Mobile app—State Savings Bank-NW Michigan—which will need to be downloaded from the Apple Store or Google Play.
Click on one of the links below to download our mobile banking app
- Your Bill Pay history and payees will continue to be available in the new Online/Mobile Banking platform.
- Funds Transfer and External Transfer history and details will not carry over to Online/Mobile Banking.
- Your external or linked accounts, if any, will need to be re-added.
- To see electronic statements and notices you will need to enroll in eDelivery online. (After enrolling in eDelivery you will no longer receive paper statements or notices by mail for any of your accounts.)
- The cutoff time for same-day posting of online transfers will change from 9:30 pm to 8:00 pm.
- Mobile Banking users will be able to receive a Secure Access Code via text message only, but no longer by voice or email.
- Customers logging in on a web browser will continue to be able to receive a Secure Access Code via text or phone, but not by email.
FUNDS TRANSFERS
- Internal Funds Transfers (between State Savings Bank accounts):
- Pending and recurring transfers will automatically convert and should be viewable online.
- After logging in, please go to Move Money > Transfer to confirm that your transfer requests are in place.
- External Funds Transfers (to or from another financial institution):
- Pending and recurring transfers will not automatically convert.
- After logging in, please go to Move Money > Transfer to re-enter any pending or recurring transfers.
LOAN PAYMENTS
- Internal Loan Payment Transfers (between State Savings Bank accounts):
- Pending and recurring loan payments will automatically convert and should be viewable online.
- After logging in, please go to Move Money > Loan Payment to confirm that your loan payments are in place.
- External Loan Payment Transfers (to or from another financial institution):
- Pending and recurring loan payments will not automatically convert.
- After logging in, please go to Move Money > Loan Payment to re-enter any pending or recurring loan payments.
Debit/ATM Cards
During the conversion period (October 18–21), your available balance may not reflect all debit or ATM card activity.
Beginning Monday, October 21:
- Point-of-sale, non-PIN, and cash advance transactions will have a daily limit of $2,500 or 25 per day.
- The after-hours number for reporting a missing or stolen card will change to (800) 754-4128; International: (727) 227-9012.
- For security reasons, if you have not used your card for 18 months or more, it will be canceled.
ACH and Wire Transfers (Treasury Management Customers Only)
Beginning Monday, October 21:
- ACH and wire originators will not see any history or details of past ACH or wire payments, payroll, collections, or EFTPS. (Past history and details will be available by emailing treasury@ssbankmi.com.)
- Pending or recurring transactions will need to be re-entered.
Quicken & QuickBooks Users
If your Online/Mobile Banking account is linked to QuickBooks, Quicken DirectConnect or other Intuit programs, please click to visit this page with important instructions.
QUESTIONS?
We know that some of these changes might be inconvenient for you, but we think you’ll love our new features. Your understanding and patience are truly appreciated. We’re ready to help! If you have questions or concerns, contact your local office or call our Customer Care Center at (231) 399-0470 or toll-free (844) 377-5134.
FREQUENTLY ASKED QUESTIONS (FAQs)
Q. What can I do to prepare for this upgrade?
A. If you have transfers set up in Online/Mobile Banking, you should export your transfers (past, recurring and pending) so you have a record of those transactions.
Also, make sure you know your current Username.
Q. Why do I need to download a new mobile app?A. The new app will provide you with access to features that are not available on our old app. Once the upgrades have taken place, our old app will no longer work or be available in the Apple App Store or Google Play.
Q. How do I check my balance while Online/Mobile Banking is down?
A. Our offices and Customer Care Center are ready to help. Don't hesitate to call your local office or our Customer Care Center.
Q. I have some transfers that were set up directly at my State Savings Bank office (not in Online/Mobile Banking). Will I need to re-enter these?
A. No, only transfers you have set up within Online/Mobile Banking will need to be re-entered after the upgrade is complete.
Q. Because I'm receiving two statements for October, how will monthly account fees be assessed?A. Monthly account fees like maintenance fees and transaction fees will only be applied to the second statement period. Other fees -- such as overdraft and returned item fees -- will be applied as they occur in October.