FAQ's

Is there a cut-off time for transactions?

The cut-off time for transactions vary depending on location:

Mahnomen:  Lobby  4:00 pm, Drive Up  3:00 pm

Twin Valley:  Lobby  4:00 pm, Drive Up  4:00 pm

Online:  4:00 pm

Funds received before the cut-off times listed above will be available the next business day.  All funds received after the above cut-off times are considered the next days business, so they will be processed the following day and made available the next business day following the processing day.

I recently moved.  How do I change my address?

Please contact a Customer Service Representative at the Bank or stop by one of our branches to fill out a Change of Address form.  You can also send a signed letter to the Bank to inform us of your address change.

What is First National Bank Mahnomen Twin Valley's Routing/ABA Number?

091215710

What is First National Bank Mahnomen Twin Valley's fax number?

Mahnomen:  218-935-2794

Twin Valley:  218-584-5160

How can I transfer funds between accounts?

Transfers between accounts may be made through Online Banking, Mobile Banking, TeleBanc or by calling a Customer Service Representative at the Bank (a service charge may apply if you call the Bank, depending on account type).

Can I receive my bank statements electronically?

Yes, First National Bank Mahnomen Twin Valley offers E-Statements, which include your check images, free of charge!  Online Banking enrollment and a valid email address are required.

Is Bill Pay available?

Yes, Bill Pay is available free of charge for our Elite, Elite 55, NOW, Senior Gold 55, Commercial and Corporate Checking Account holders.

Is Mobile Banking available?

Yes, Mobile Banking is available for all Online Banking customers, free of charge.

Is Mobile Deposit available?

Yes, Mobile Deposit is available to all Mobile Banking customers free of charge.

How do I place a Stop Payment on an item?

Stop in one of our branches or contact a Customer Service Representative at the Bank to fill out a Stop Payment form.  Please be prepared to provide as much information as possible about the transaction, such as:  Dollar Amount, Date Written, and Check Number.

How do I set up Direct Deposit?

Check with your employer to find out if Direct Deposit is offered as a payroll option, they can set it up for you.  To sign up for Direct Deposit of government payments, such as social security, visit http://www.ssa.gov/deposit.

 

 

Do you offer free checking?

Yes, click here to see available checking products.

What will I need to provide for identification to open a checking or savings account?

In order to open an account with First National Bank Mahnomen Twin Valley you will need to provide:

  • A current, valid form of photo ID (such as a Driver's License or US Passport)
  • A Tax Identification Number (typically a social security number)
  • Verification of current, physical address
  • The minimum deposit amount applicable.

Please call or visit one of our branches for more information.

How do I re-order check blanks?

Click here to order online, or call or stop by any of our locations.

How do I view my checks online?

You can view checks online through your Online Banking account.

How can I find out if a check has cleared, what my balance is, or the amount of my Direct Deposit?

You can find all of this account information and more using our free Online Banking service, our free Mobile Banking service, our free TeleBanc service, or by contacting a Customer Service Representative during regular business hours.

What is a CD?

A Certificate of Deposit (CD) is a product that pays a fixed interest rate for a set period of time.

Is there an early withdrawal penalty?

If you cash in your CD before the maturity date and:

Your terms are 12 months or less 31 days of interest will be forfeited as a penalty; or

Your terms are greater than 12 months 90 days of interest will be forfeited as a penalty.

Is there a grace period for cashing in my CD?

Yes, you will have 10 days after the maturity date to cash in your CD with no penalty imposed.

What do I need if I want to cash in my CD?

You will need to bring in the original CD and a valid photo ID.  If the original cannot be found, you will need to complete an Affidavit of Indemnity Bond.

Will I receive notification before my CD matures?

Yes, First National Bank Mahnomen Twin Valley will send a maturity notice about 10 days prior to the maturity date of your CD.

I made a deposit to my checking account this morning.  Why is my debit card being declined this afternoon?

First National Bank Mahnomen Twin Valley has next day availability.  This means that when you make a deposit in the morning, those funds will not be available, on your debit/ATM card or for cash withdrawal, until the following business day.  So if you deposit a check into your account on Monday morning it will not be applied to the balance on your debit/ATM card until Tuesday morning.  The exception to this is funds you receive via Direct Deposit or other electronic deposits, cash deposits and transfers you make via our Online Banking service from another account to your checking account (ex.  transfer from savings to checking).  Those funds are available for your use immediately and will be applied to your debit card/ATM balance immediately.  Please call a Customer Service Representative or stop by one of our branches with any questions regarding availability of your funds.

What is the daily spending limit for a debit card?

The initial daily purchase limit is $200.00, and the initial ATM daily cash withdrawal limit is $200.00.  You can request to have these limits increased temporarily or permanently.  There may be a fee for a temporary limit increase.

How do I activate my debit card?

To activate your debit card and choose a PIN please call our Toll Free number:  1-800-992-3808.

I forgot my PIN for my ATM/debit card.  How do I get a new one?

We do not have access to your PIN for enhanced user security.  To change your PIN call our Toll Free number:  1-800-992-3808.

My card is expiring soon.  Will the bank send me a new one?

The expiration date listed on your card shows the month and year of expiration.  The last day of the month in the expiration date is the last day your card will work.  A new card will be automatically sent to you and you should receive the new card before your current card expires.

How do I report a lost/stolen card?

Contact a Customer Service Representative or stop by one of our branches as soon as possible to let us know your card is missing.  If you notice your card missing after normal business hours call 1-800-472-3272.

How do I get a debit card?

You can apply for a debit card at any of our branch locations.

Is there a surcharge fee for using my debit card at an ATM?

First National Bank Mahnomen Twin Valley is a member of the Money Pass card network.  This means our card holders can use any ATM that displays the Money Pass logo, surcharge free!  Click here to find a Money Pass ATM near you.

I am going on vacation.  Do I need to notify the bank of my travel plans if I intend to use my debit card?

Yes, as part of our fraud monitoring service, any foreign transactions or purchases out of your normal demographic could be flagged as potential fraud.  Please contact a Customer Service Representative or stop by one of our branches to discuss your travel plans with us prior to your departure.

 

What are the features and benefits of Online Banking?

  • Access your account information 24 hours per day, 7 days per week
  • Transfer funds
  • Make payments
  • Print check images

How secure is Online Banking?

At First National Bank Mahnomen Twin Valley we use the latest internet security available including secure communications (SSL), firewalls, 128 bit encryption, and operating systems and software that offer maximum security.  Challenge questions, password phrases and unique Access ID and Passwords offer additional layers of security.

How can I register for Online Banking?

Click here to sign up now!

Why do I have to answer security questions when I log into my Online Banking from computers away from home?

When you access Online Banking from a computer that isn't registered as your home computer, you will be asked your security questions in order to confirm your identity.

Why are some of my accounts not showing up online?

You should be able to view any accounts where you are listed as the owner, joint owner or authorized signer.  If you are missing accounts that you feel should be on your Online Banking please contact a Customer Service Representative or visit one of our bank locations.

Why can't I log in?

You must log in to your Online Banking account at least once every 30 days or your account will be de-activated.  Please contact a Customer Service Representative or stop in one of our branches for help if you are unable to log in.

What if I forget my Access ID or Password?

Contact a Customer Service Representative or stop in one of our branches to find out your Access ID.  If you forgot your password, click the "Forgot Your Password" hyperlink in the log in area.  You will be asked security questions to verify your identity, then you will be able to change your password.

 

How do I sign up for E-Statements?

You can sign up for E-Statements under the User Options tab of your Online Banking account.

When will I know my statement is ready?

You will be sent an email to the email address on the Online Banking account, informing you when your statement is available online.

How do I view my statements online?

You can view your statements by choosing the account whose statement you are looking for from the list of accounts page of your Online Banking.  Choose the E-Statements tab and then search for a date range for the statement you are looking for.  Then simply choose the statement from the list of available statements found.

Is there a fee for E-Statements?

No, E-Statements are offered to all Online Banking customers free of charge.  In fact, E-Statements include check images which customers will incur a charge for if they have paper statements, and depending on account type.

How do I change my email address that my E-Statement notifications are sent to?

You can change your email address in the User Options tab of your Online Banking.

How do I sign up for Bill Pay?

If you have an Elite, Elite 55, NOW, Senior Gold 55, Commercial or Corporate Checking account you will automatically be enrolled for Bill Pay free of charge.  Bill Pay is not available for Star Free checking account holders.

Who can I pay with Bill Pay?

You can pay almost anyone you receive a bill from, and even those that don't send you a bill, such as a babysitter or lawn care service.  You can also set up recurring payments for those bills that are the same amount every month, like a house or auto payment.

If there are not sufficient funds in my account to cover a scheduled Bill Payment what will happen?

Funds are not secured from your account prior to sending your payment, so it is your responsibility to ensure you have sufficient funds in your account to cover your scheduled payments.  Your account is debited on the Pay Date you selected when you scheduled your Bill Payment.  If a debit is returned for insufficient funds it will be processed a second time in an attempt to collect the funds.  If the second attempt fails, collection processes will be initiated for the item returned.

Can I make a Same Day Bill Payment?

Yes, there are certain vendors who accept same-day payments.  If one of your vendors accepts same-day payments a "Same Day" option will be available for you to choose as a payment option.  The cut off time for scheduling a same-day payment varies depending on the vendor.  There is a fee of $9.95 for Same Day Bill Pay.

Can I cancel or place a Stop Payment on a Bill Payment?

Yes, as long as the payment has not already cleared.  Fees may apply.

What is Popmoney?

Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash.  Now sending and receiving money is as easy as emailing and texting.  And you don't need a new account to send or receive money, just use your existing account.

What can I use Popmoney for?

Popmoney is easy and convenient for you and the people you send money to.  They can simply receive the money into their bank account electronically.  The following are just a few of the convenient ways that you can use Popmoney:

  • Send money to your child at college.
  • Send a gift to family and friends.
  • Reimburse friends or family for lunch.
  • Pay your babysitter or your lawn care service.
  • Pay rent to your landlord or roommates.

Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient.  The recipient will only see your first and last name and the message you wrote for the payment.  When you send a payment to an email address, the recipient will also see your email address.  Similarly, you will not be able to see the recipients account information.

What are the different ways I can send money to someone?

You can send money to someone using their email address, mobile number or account information.

  • Email address:  Your contact will receive an email with instructions on how to direct the payment into his/her account.
  • Mobile Number:  A text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his/her account.  You may want to tell your contact that standard message and data rates may apply, depending on their cellular service provider.
  • Account information (Routing and Account Number):  The money will be deposited directly into your contacts account.  You will also have the option to send an email to your contact.

Is there a fee to use Popmoney?

While the Popmoney service is available for no monthly service charge, there may be transaction fees that apply.  Fees for the transaction are displayed below the amount field.

How do I sign up for Popmoney?

Popmoney is available to all Elite, Elite 55, NOW, Senior Gold 55, Commercial and Corporate checking account customers.  You are automatically enrolled in Popmoney and can find it in the Bill Pay section of your Online Banking.

How do I sign up for Mobile Banking?

  1. Log in to, or sign up for Online Banking.
  2. Choose the User Options tab from the top of the page.
  3. Scroll down to Mobile Banking profile.
  4. Click the Enroll Now button.
  5. Read the terms and conditions, then check the "I Accept the Terms and Conditions" box.
  6. Click Continue.
  7. Enter your mobile phone number where the phone number is requested.  This will send your phone a text message with a link to download the Mobile App.
  8. Click the link on your phone that was texted to you and download the Touch Banking App.
  9. Enter the app code GoMobile0929 when prompted.
  10. Enter your Online Banking Access ID when prompted.
  11. Enter the answer to any security questions that are asked.
  12. Enter your Online Banking password when prompted.
  13. Terms and Conditions may show.  Choose Accept if this pops up.
  14. You are now enrolled in Mobile Banking!!

What is the App Code for Mobile Banking?

GoMobile0929

Is there a charge for Mobile Banking?

No, we do not charge a fee for our Mobile Banking service.  It is currently available to all Online Banking customers.  Standard message and data rates from your cellular service provider may apply.

Is Mobile Deposit available?

Yes, all Mobile Banking customers have the Mobile Deposit service available.  If you have a smart phone, you can take a picture of a check and deposit it into your account via your Mobile Banking.  Click here to visit our Mobile Deposit page to see a demo.

Is there a daily limit on my Mobile Deposits?

Yes, there is a maximum of $2,500.00 that can be deposited via Mobile Deposit per day.

How do I protect myself from Identity Theft?

Visit our Consumer Education page for tips and resources on preventing identity theft.

What type of security features do you provide?

  • Multi-factor authentication
  • Encryption
  • Inactivity timeout
  • Lock out after 3 failed login attempts
  • Verification of customer identity during account opening
  • First National Bank Mahnomen Twin Valley Identity Theft Prevention program
  • Bank policies and procedures that safeguard customer information.

How secure is Online Banking?

At First National Bank Mahnomen Twin Valley we use the latest internet security available including secure communications (SSL), firewalls, 128 bit encryption and operating systems and software that offer maximum security.  Challenge questions, password phrases and unique Access ID and Passwords offer additional layers of security.

Are my deposit accounts covered by FDIC Insurance?

Yes, First National Bank Mahnomen Twin Valley is a member of the Federal Deposit Insurance Corporation (FDIC), which insures each depositor at least $250,000.00.  See https://www.fdic.gov/edie/index.html for the FDIC Electronic Deposit Insurance Estimator tool.