Digital Banking

Online Bill Pay

With Online Bill Pay, you can pay ongoing bills or make one-time payments with ease! More secure than paper billing, Online Bill Pay has many other benefits as well:

• Schedule payments in advance.
• Set up payment reminders.
• Ensure payments are received on time.
• Keep all payee information in one convenient place.
• Avoid paper clutter.

Mobile Deposit Enrollment

Mobile deposit¹ is an easy way to deposit your checks when you can’t—or just don’t want to—go to a branch. All it takes are a few steps:

• Using your TCNB Mobile App, Select “+”.
• Select “Deposit.”
• Follow the app instructions to make a deposit.
• Please wait two weeks before discarding the paper check.

To see if you’re eligible for mobile deposit, log in to the TCNB Mobile App today.

Enroll Now

Digital Banking FAQ

What types of accounts can I access on Online Banking?

You can see all your Tri City deposit accounts — checking, savings, money markets and CDs — and your loans.

How far back can I go into my account activity in Online Banking?

You can see your account activity and images of your checks up to 540 days prior to the current date. If you have signed up for Online Statements, you can access up to 7 years’ worth of past statements from the current statement period.

How do I sign up for Online Statements?

After logging into Online Banking, click on “Documents.” You will be able to access and print up to 7 years’ worth of past statements from the current statement period. Images are not available as part of Online Statements.

I have a joint checking account with my spouse. Do we both need to enroll separately, or can we share one Online Banking account?

Your User ID is your personal link to Online Banking. Each person should have their own individual User ID and password even if they are both signers on the same accounts.

My account shows two different balances. What do these balances mean?

The available balance is your balance shown in real time. Your available balance may change throughout the day as certain pending transactions, such as ATM withdrawals and debit card purchases, are conducted on your account. These pending transactions may not be immediately listed in your related account activity.

When pending and other transactions, such as checks, clear your account, they will be reflected in your current balance. In addition to impacting your current balance, these transactions will appear in your related account activity.

How can I transfer funds between accounts via Online Banking?

To be able to transfer funds between any of your Tri City National Bank checking, savings or money market accounts, the accounts must meet certain titling requirements, and you must have a signed Balance Transfer Agreement on file.

For more information or to complete a Balance Transfer Agreement, please speak with a Customer Service Representative at any of our locations.

When will transfers I conduct through Online Banking take place?

If you initiate transfers between your Tri City National Bank checking, savings or money market accounts before 8:00 p.m. CST, the transfer will take place on the same business day. If you initiate the transfer on or after 8:00 p.m. CST, the transfer will take place on the next business day.

What type of Stop Payments can I conduct through Online Banking?

You can process Stop Payments on checks that have not already posted to your account. You are not able to process a Stop Payment on a preauthorized electronic debit via Online Banking because the debit does not have a check number (which is required).

Please contact a Customer Service Representative at one of our branches or through Telephone Banking for more information or to complete the necessary paperwork to revoke preauthorized electronic debit.

A $35.00 fee will apply to each Stop Payment request.

When I tried to sign into Online Banking, I received this message: “Your logon has failed repeatedly (3 times). Please try again later or contact customer support.” What happened?

You have entered your Online Banking User ID or password (or both) incorrectly. For security reasons, Online Banking locks a user out after 3 failed attempts to log in. Your password is case sensitive, so verify that your Caps Lock button isn’t on.

For additional Online Banking assistance, please use the “Forgot your password” function or contact Customer Support at 888-874-2489 during business hours or 877-329-2574 outside business hours.

What if I don't sign up for Bill Pay initially and decide later that I want to sign up?

You may sign up for Bill Payment at any time.

What is the dollar limit on payments?

The limit is $5,000.00 in total payments per day.

How many payees can I have?

There is no limit to the number of payees you can have.

Are there any bills I can’t pay using Online Bill Pay?

Currently, you can’t make payments to government agencies for items such as property taxes and alimony. Any other bills can be paid by adding the biller as a payee in the Pay Someone New tab.

Payees may be individuals and small businesses and do not need to be able to accept electronic payments. If a payee is unable to process electronic payments, a check will be mailed to the payee instead.

How far in advance can I schedule payments?

You can schedule payments up to 1 year in advance.

Can I schedule recurring payments?

Yes. Choose “autopay” under the payee’s information on the Pay One or Pay Many page.