Important News About Your Account

Beginning the afternoon of Friday, October 18 and through the morning of Monday, October 21, 2024, we will be upgrading 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

  • Online/Mobile Banking will be unavailable from the afternoon of Friday, October 18 until the morning of Monday, October 21.
  • On Monday morning, you will be prompted to set up a new password and accept new disclosures. Login instructions will be sent to you via email before October 18.
  • We will launch a new Mobile app—State Savings Bank-NW Michigan—which will need to be downloaded from the Apple Store or Google Play.

After the system upgrades are complete:

  • 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. We strongly recommend that you export your transfer history before October 18 in order to have a record of this information. (Within Online Banking, go to Transactions > Activity Center and click the export icon on the upper right side of the page.)
  • 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, please contact your local office or call our Customer Care Center at (231) 399-0470 or toll-free (844) 377-5134.

Our Customer Care Center will have expanded hours over the weekend and on Monday:

  • Saturday, October 19             9:00 am–5:00 pm
  • Sunday, October 20                 9:00 am–5:00 pm
  • Monday, October 21               8:00 am–7:00 pm

 

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