What is Internet Banking?
Internet Banking allows you to perform various transactions on your computer from any location, as long as you have access to the Internet and a secure browser. Through Wayne Bank's Internet banking service, you can check account balances, review account transactions, transfer funds between your accounts, pay bills and stop payment on a check.
What are the features and services provided by Internet Banking?
- Detailed transaction history for your Wayne Bank accounts.
- Ability to update your profile information.
- Ability to initiate immediate, future and recurring transfers between your Wayne Bank accounts.
- Transfer money to another bank using account to account transfers within the bill pay function.
- Options for immediate, future and recurring bill payments from your Wayne Bank transaction accounts.
- Ability to export transaction information into .CSV.
- Initiate or review the status of "stop payment" orders in your transaction accounts.
- Order checks for your Wayne Bank transaction accounts.
- Contact information for Wayne Bank customer service.
- Send email alerts to your email address to track balances, deposits, etc.
- Secure email service to customer service can be used to send correspondence containing sensitive account information.
When is Internet Banking open for business?
We're up when you are!
What steps do I take to begin using Internet Banking?
- To be a user, you need to have a checking, savings or loan account with Wayne Bank.
- Complete the fields on the New User page of this site. If you have used telephone banking, your password will be the same password you currently use for telephone banking. If you have not used telephone banking your password is the last four digits of your TIN.
- Business customers can request online access by contacting the bank and signing a form to request access
What is Telephone Banking?
Telephone Banking is an automated system which provides access to your account information from a touch-tone telephone.
What is the cost for Internet Banking and Telephone Banking?
Both are absolutely free account access services at Wayne Bank. We encourage you to use them and enjoy their convenience and efficiency. Of course, standard fees, such as for stop payments and return checks still apply.
How do I access the telephone banking service?
The telephone number for Telephone Banking is 1-877-WAYNEBK (1-877-929-6325).
Will I have access to all my accounts?
Currently, you can access your deposit accounts, consumer loan accounts, mortgage loans and lines of credit using either Internet Banking or the Telephone Banking access system.
What equipment/software do I need?
All you need is a computer connected to the Internet. For details on supported Internet browsers, please click on http://www.hostbyweb.net/securebrowser/
What do I do if I have trouble logging on to the Internet?
There are several possibilities. If you are having problems accessing any web site, please contact your Internet Service Provider (ISP). If you can access other Web sites but not ours, then either the system is off-line for updating or we are experiencing a temporary disruption of service. Please try again in a few hours.
How secure is Internet Banking?
We protect your privacy in two ways. First, Internet Banking creates a secure connection between your browser and our secure server using 128-bit Secure Sockets Layer (SSL) encryption (see next question). The second means of protection is through the use of multiple-factor authentication techniques as prescribed by bank regulatory agencies. Multiple factor identification adds layers of authentication information in addition to user names and passwords and, in some cases, employs a physical device. Our layers of security include user ID, password, secret questions and answers, a device check, and a geographic location check. Our website also utilizes an Extended Validation (EV) certificate. The EV certificate allows you to visibly verify you are at our genuine waynebank.com website. The EV certificate turns the address bar green and will display Fiserv Inc.
What types of security measures are taken to prevent sensitive information from being intercepted online?
When logging onto Internet Banking, you enter our "secure server" area using 128-bit Secure Sockets Layer (SSL) cryptography. SSL uses public key cryptography to secure transmissions over the Internet. When you are using Internet Banking, all information passing between your computer and our server is encrypted. Our security infrastructure has received the International Computer Security Agency's (ICSA) TruSecure Certification. Receipt of ICSA certification is equivalent to the Good Housekeeping Seal of Approval and is the most comprehensive security audit available today.
What should I, the customer, do to provide security for my Internet Banking account?
You have your own set of responsibilities in providing security for your Internet bank account.
- Keep all of your authentication information secret (this includes all levels). Be sure that you are not being observed as you enter information.
- Take precautions to keep computers clean and free from viruses and other malware that could be used to capture your keystrokes.
- When you are finished using Internet Banking, exit the system by logging off before closing your browser.
How do I know if my Internet Banking session is encrypted?
Different Internet Web browsers have different display methods for alerting you for when you have a secure, encrypted connection. Please refer to each web browser's Help section for more information on understanding how to tell whether you are on a secure, encrypted web site.
What is encryption?
Encryption converts your data (all of it from account numbers to account balances) into a series of unrecognizable numbers before they are exchanged over the Internet. This series of numbers creates a mathematical lock; a lock for which only Wayne Bank and your browser have the key. Wayne Bank works with your Web browser to transform all banking requests into encrypted strings of data, and then back again to the original request. Each time a new online banking session is initiated, a new lock and key combination is randomly created.
If I forget my password or have been locked out of Internet Banking or Telephone Banking, how do I change it?
If you forget your password, you can click "Forget your Password" link on the Internet Banking login page. Then, you must complete the following steps:
- Enter your access ID, last four digits of your tax ID number, and email address.
- Answer the public records security questions.
- Retrieve the temporary password from your email account.
- Go back to waynebank.com homepage to log in again, enter your access ID.
- Enter your temporary password from the email (or copy and paste password) and submit.
- The change password page will display. Enter the temporary password provided in the email and enter a new password. Pick a new password you have not used before. The password must be 6-15 characters in length and contain one letter and one digit.
- Next time you logon use your new password.
Alternatively, you can contact an Internet Banking customer service representative, who can reset your account password after you verify your information.
How much of my checking account history can I see with Internet Banking?
Approximately 15 months starting from the day you enroll in Internet Banking. Depending on the volume of activity in your account, you may see more or less information.
Can I download my account transaction history into other financial management software?
Yes, an export button is located on the Transactions page. It will process a .CSV file.
Can I transfer funds between my accounts?
Yes, transfers between checking and savings accounts, and from checking or savings to pay installment loans, mortgage loans and consumer credit lines can be made. However, banking regulations limit transfers from savings accounts to six per month.
What time is the deadline each day for completing funds transfers?
The deadline, or cutoff time, each day for funds transfers is 5:30 PM. Any transfers completed after 5:30 PM via electronic banking will not be posted to your accounts until the next business day's processing.
How do I terminate use of the Internet Banking service?
To terminate access to Internet Banking, please call us at 800-598-5002, or send a secure message from within Internet Banking.
How do I contact the bank with questions I may have?
It's easy! You can:
- Click on "Contact Us" from within the Wayne Bank website
- Click on the "Secure Message" link within the Internet Banking website
- Call us at 1-800-598-5002
- Write us at Wayne Bank, PO Box 269, Honesdale PA 18431-0269
How do I use alerts?
Click on the messages - new from the list of accounts page. Select type of alert from the drop-down box and click next. Complete applicable fields and click submit.
Where can I change my secret questions and answers?
Click on the Options tab. From this page you can change your passwords, secret questions and answers. Click the edit button for the category you wish to change.
What is Account to Account?
Account to Account allows you to transfer money back and forth between your Wayne Bank checking account(s) and your checking account(s) at other financial institutions.
How do I enroll for Account to Account?
To enroll in Wayne Bank's Account to Account service you will need a working Wayne Bank Internet Banking logon, a Wayne Bank checking account, and an account at another bank.
Logon to Internet Banking and click on the "Transfer Money" tab within Bill Payment. You must read and accept Wayne Bank's Funds Transfer Agreement and Disclosure Statement. Once you have accepted the agreement, you are enrolled and can begin using the Account to Account service.
How much does Account to Account cost?
The good news is that Account to Account is a free service.
How do I setup an Account to Account transfer?
- Your external account must be a checking account. Select the Bill Payment tab, then "Transfer Money" tab, then add an account link. Complete the Add Account page with the other financial institution's routing and account numbers. The external account must be a checking account.
- To confirm ownership and activate the external account, we will, in approximately two (2) business days, electronically send to your external account two (2) small deposits and one (1) withdrawal (equal to the deposits). Please contact your bank to determine the three (3) amounts that posted to your account. To finalize the process, return to Internet Banking, select the My Accounts tab and select Other Accounts. Enter the amounts of the three transactions.
How do I schedule an Account to Account transfer?
Single or recurring transfers can be scheduled. Click on "Schedule Transfer", select the "from" and "to" accounts, date, amount, and, if recurring, the frequency and number; then click "OK".
How long does it take for an Account to Account transfer to post?
Timing varies depending on the other financial institution. The debit should post to the sending account within two to three (2-3) business days after the "Transfer Date" and the funds should be in the destination account within four to six (4-6) business days after the "Transfer Date".
Are there any transfer limits?
Yes, limits are based on your credit score. Limits are established when your first transaction is scheduled.
Can I pay bills online?
Yes, if you have a checking account with Wayne Bank and are enrolled in Internet Banking you can enroll in our Bill Payment service.
How do I enroll for Bill Payment?
You will need a working Wayne Bank Internet Banking logon and a Wayne Bank checking account to enroll in Wayne Bank's Bill Payment service. Once you logon to Internet Banking click on the Bill Payment tab. You will be instructed to read and accept Wayne Bank's Bill Payment Service Agreement Terms and Conditions. During enrollment, you will be required to enter a valid external email address to allow us to send you bill pay communications. Once you have accepted the terms and conditions, you will be enrolled and can begin using the Bill Payment service.
How much does Bill Payment cost?
The good news is that Bill Payment is a free service. There are fees to expedite a bill payment. If you select an overnight payment or same day payment there are associated fees. You will be made aware of the fee before you submit the payment.
Who can I pay through Bill Payment?
You can pay businesses, organizations or individuals at verifiable addresses within the United States. A merchant is any company, service or individual to whom you make payments. Merchants can be anyone who bills you, such as:
- your telephone company
- your credit card company
- individuals, such as your landlord or newspaper carrier
Are there any payments I should not make through Bill Payment?
- Tax or other government payments
- Court ordered payments
- Payment to payees outside the United States
Is there a limit on how many bills I can pay per month?
No, you can pay an unlimited number of bills each month.
How much time do I need to allow for my bills to be paid?
You schedule your bills based upon your due date. Use the calendar to determine the earliest available payment date. The selected date is the same day your merchant is expected to receive the funds and the date you will be debited for the payment.
Can I schedule payments on the same day each month?
Yes, Bill Payment allows you to schedule recurring payments. Recurring payments are payments that you schedule in advance to repeat at substantially regular intervals in the same amount to the same payee.
What is considered a "business day"?
Our business days are Monday through Friday, excluding holidays.
How do I add a merchant to my list?
Using the Add a Company or Person option, enter a biller name to search merchants or create a new merchant.
When can I begin making payments to a new merchant I added?
You can begin making payments to that merchant immediately.
What if I have multiple accounts with the same merchant?
Each account number requires a merchant name. Therefore, you would have multiple listings of the same merchant name with each having a unique account number.
How does a merchant receive my money?
The bill payment service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payments methods may include, but may not be limited to, an electronic payment, a single check (drawn on our bill pay vendor), or a draft check (drawn on your account). For electronic payments and single checks the funds are deducted from your account the day you schedule your payment for. On draft checks your account is not debited until the check is cashed.
What Wayne Bank accounts can I use to pay bills?
Your Wayne Bank checking account(s) may be used to pay bills. If you do not see one of your accounts you may add it by contacting customer service at 800-598-5002.
When I make a payment, when will the money come out of my account?
If an electronic payment or single check is the method of payment your account will be debited on the date you have scheduled your payment for. If the method of payment is a draft check your account will be debited when the check is presented against your account. See the question above for more information on the different methods of payment.
What if my one-time or recurring payment falls on a non-business day?
One-time payments cannot be scheduled for non-business days. Recurring payments are scheduled payments set up to happen on the same day or date each month (example: monthly on the 15th). If one of these recurring dates falls on a non-business day, the payment is processed on the preceding business day.
How will I know if a payment was processed successfully?
A bill payment will display on the right under recent payments once the payment has been processed.
What if my account number with my merchant/payee changes?
When adding a new merchant, we encourage you to verify that you accurately entered your account number that identifies you with that merchant. If your account number with a merchant changes, you will need to delete the old merchant with the wrong account number. To delete the merchant click on the details hyperlink under the merchant name. When the details box appears click on the remove link. You can then add the merchant again with the correct account number by using the Add a Company or Person option.
What if my payment was not received by the merchant?
Please allow a reasonable processing time of five (5) business days from the date you made your bill payment before notifying us. Then, upon your inquiry to us, we will research the payment and resolve the matter as expeditiously as possible.
How do I cancel or change a bill payment request?
You can cancel or change payments listed as "Pending" on the "Bill Payment" menu anytime up to 10:00 PM Eastern Time of the date you established as the payment date. If the payment date is a non-business day or holiday, you must cancel the payment by 10:00 PM Eastern Time on the preceding business day. The system displays an error message if you attempt to modify a payment after this deadline.
How do I cancel my bill payment service?
You may cancel "bill pay" by using one of the following methods:
- Send us a Direct Link secure email containing your name and phone number or,
- Send us a signed written request by mail, containing your name, phone number.
- Go to the My Profile tab in Bill Pay and select Cancel Service.
For further assistance, you may call us at 800-598-5002.
Before cancelling the service, give careful consideration to the following:
- Unpaid payments with a status of "Pending", including recurring payments, will be cancelled and not paid.
- Payments with a status of "Processing" will be paid prior to cancellation.
- Access to your payment activity will be cancelled and no payment research will be possible. We recommend you verify the status of all scheduled payments prior to cancelling Bill Payment service.
- If you decide to re-join "bill pay" after terminating, it will be necessary to re-enroll and re-establish your merchant list.
Can I review my payment history?
Payment history is retained for seven (7) years. You may search for past payments by using one or a combination of the following:
Can I download transactions to my personal financial manager software?
Yes, an export button is located on the Transaction page. This feature will process a .CSV file which can be saved as an excel file on your computer.
What should I do if I have a question regarding Bill Payment?
- Contact Bill Payment customer service toll free at: 866-476-3794 - between the hours of 7:00AM and 1:00AM EST, 7 days a week.
- Or send us a "secure" email using the Internet Banking Secure Mail service
- Or write to us at:
Electronic Banking Department
PO Box 269
Honesdale, PA 18431-0269
What other services can I take advantage of within Bill Pay?
We also offer:
- PopMoney (person to person payments)
- PopMoney Request Money (request money owed to you)
- PopMoney Instant Payments (person to person payments through the debit card network)
General Mobile Banking FAQs
How do I enroll for Mobile Banking?
Logon to online to online banking at waynebank.com using any Internet connected device with a supported web browser. If not prompted to enroll go to options tab and scroll towards the bottom of the screen. You will see Mobile Banking as an option to enroll. Enrollment steps will be sent via text message to your phone. Use this link for a list of available web browsers: http://www.hostbyweb.net/securebrowser/
You can also download our app directly through the app store (iTunes, Google Play, or Amazon), just search Wayne Bank.
What services are available through Mobile Banking?
Text banking, web browser, and the downloadable application (app) are all available services. These services allow you to check balances, review recent activity, transfer money between Wayne Bank accounts, pay bills to established merchants, PopMoney (person to person payments)
Are there any fees for Mobile Banking?
Mobile banking itself is free. There may be cost for processing bill pay, PopMoney, etc. Your wireless carrier may charge fees for text messages and Internet access based upon your wireless plan.
Is Mobile Banking secure?
Yes! You are authenticated every logon by entering your password and you may be asked a security question if you are in a different location than normal. All transactions are encrypted using modern security algorithms. We do not return any identifiable information with transactions, such as texting your balance. All account information is masked once you are logged into Mobile Banking. There is no personal information stored on your phone.
How current is the account and transaction information?
When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.
Can I add more than one device?
Yes, you can register several devices for Mobile Banking. To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone.
What if my phone number changes?
If your mobile phone number changes, go to online banking options and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.
What if my phone is lost or stolen?
If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name and secret questions. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Go to online banking options and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking. Or call customer service and ask to stop your Mobile Banking service.
Which phones can I use for Mobile Banking?
We support hundreds of models for these major brands: iPhone, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.
Which mobile service carriers support Mobile Banking?
Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to) Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.
I have a prepaid plan. Can I use Mobile Banking?
Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes so you won't be able to use the SMS text message service of Mobile Banking with T-Mobile prepaid.
How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your phone, go to online banking options and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.
Can I register multiple users to the same phone?
For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.
What are alerts?
You can set up alerts to notify you when select activity occurs on your accounts. For example, we can send you an alert when your account balance goes below a predetermined threshold amount, such as $50. You can receive alerts on your mobile phone or at an e mail address.
What is the difference between the text messaging service and the alerts service?
The text messaging service allows you to request account balances, transaction history, and ATM and branch location information on demand from your mobile phone. We send text message responses to your phone. The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You choose which alerts you want, and we’ll send the alerts based on the time zone selected in your Mobile Banking profile. If you’ve registered your phone to receive alerts, you automatically have access to the text messaging service.
How do I stop receiving alerts?
To stop receiving alerts on your phone, text STOP to 96924.
Text Messaging Service Questions
What do I need to use the text messaging service?
To use Mobile Banking’s text messaging service, you must:
- Have an online banking account.
- Have a mobile phone that supports SMS text messaging and short codes.
- Register for Mobile Banking and select the text messaging service.
Why are my Mobile Banking text messages coming from 96924?
You receive all Mobile Banking text messages from 96924. To make it easier to recognize our text messages, add us to your contact list with the short code 96924.
What is a short code?
A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 899999. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number.
What do you mean when you say “standard messaging charges may apply?
Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access. Please contact your mobile carrier directly if you aren’t sure what fees you will be charged to use Mobile Banking.
Where do I send my text messages?
Send all text messages to 96924.
What are the text messaging keywords and how do I use them?
Keywords are the text messages you send to request account information or ATM and branch locations.
- Account Balance Requests Keywords: B, BAL, BALANCE, BALANCES
- Transaction History Requests Keywords: STMT, TRAN, HIST (account nickname)
- ATM and Branch Location Requests Keywords: ATM, BRANCH, BOTH (address)
- Find ATMs, branch locations, or both near an address that you specify. You can enter
- ZIP Code
- City and ZIP Code
- City and State
- Street, City, and State.
- Keywords: HELP, HLP Provides information about the Mobile Banking keywords.
- Stop Requests
- Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
- Stop receiving Mobile Banking alerts. Text:
- STOP BNKG to cancel banking alerts.
- STOP MKTG to cancel marketing alerts.
- STOP ALL to stop all alerts.
Are the keywords case-sensitive?
No. Whether you type "BAL" or "bal," we send a response with your account balance information.
What does a typical request and response look like?
Balance Request: BAL
ABCU Mobile Banking
BAL @ 1207 14:59
*1254 CHK1 $3,849.27
*5764 CHK2 $2,555.02
*4254 SAV1 $14,116.00
Reply STOP to cancel.
What should I do if I don’t get a response to a request?
Make sure you’re sending text messages to 96924. Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.
Can I send a keyword via e mail?
No, keywords and text messages are not supported using e-mail. The two way feature of our text messages works only with mobile phones.
Why are my results sent as multiple messages?
Text messages are limited to 160 characters. Sometimes we can't send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages — no more than five at a time.
I received my results in multiple messages. Some arrived quickly, but others didn’t. Why did it take so much longer for the others to arrive?
If you receive one message, it means we've sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all, depending on your mobile service. If you haven't received all your messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service carrier.
I have text messaging enabled on my mobile phone. Why can’t I receive Mobile Banking text messages?
Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, we use to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes.
Mobile Browser Service Questions
What do I need to use the mobile browser service?
To use Mobile Banking’s browser service, you must: Have an online banking account. Have a mobile phone that supports web browsing. Have a wireless data plan with your mobile service carrier. Register for Mobile Banking and select the mobile browser service. Mobile Banking is optimized for a wide range of phones – providing a rich and interactive interface on touch screen phones, such as the iPhone and Android, while maintaining a simple and clean interface for a wide range of phones from a diverse set of manufacturers such as Motorola, Nokia, Samsung, and Sanyo.
How do I access the Mobile Banking website?
During registration we send you a unique website address (URL) that is intended only for you. The website URL will only work on the phones you’ve registered in Mobile Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it.
I can’t find my link to the Mobile Banking website. What should I do?
If you can’t find the message that we sent during registration with the unique URL for Mobile Banking, you can request another message. Go to the My Phones page in online banking options, find the phone number, and select the option Get a link to the Mobile Banking website.
When I click the link for the Mobile Banking website nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message.
Try these troubleshooting tips:
Downloadable App Service Questions (App) for smartphones and tablets
- Open the text message and click the Send or Go button on your phone to access the website URL. Then click the address to go directly to the website.
- Open the text message and write down your unique website URL. Type the URL in your phone’s web browser to go directly to the website.
- If you still can’t access the Mobile Banking website, please contact your mobile service carrier.
What do I need to download the Mobile Banking app?
To download the Mobile Banking application, you must: Have an online banking account. Have a mobile phone that supports downloaded applications. Have a wireless data plan with your mobile service carrier. Register for Mobile Banking and select the downloadable application service. Mobile Banking is optimized for iPhones, Android phones and many tablets. However, some carriers don’t support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check with your carrier to make sure it is supported on your phone.
How do I download Mobile Banking to my phone?
For iPhone and most other phones, you can download Mobile Banking directly to your phone. During registration we send you a link to download the application. Click the link to initiate the download. When the download is complete, you’ll go to the Login page. You’ll also see Mobile Banking on your launch page.
Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.
How do I download Mobile Banking to my iPhone?
During registration, we send you a unique link to the App Store. Click on the link to download the app.
Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.
I can’t find my link to download Mobile Banking. What should I do?
If you can’t find the message that we sent during registration with the download link for Mobile Banking, you can request another message. Go to the My Phones page in online banking options, find the phone number, and select the option Download the application.
Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.
When I click the link to download Mobile Banking nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads.
Mobile Deposit Capture (Mobile Capture) FAQs
How do I access Mobile Capture?
You will need an approved device and download our app on it. After the app is downloaded you need to request deposit access through the bank, simply call customer service. The bank approves access and the functionality is within the app.
What is an approved handheld device?
At this time the iPhone, iPad, and Android phones can be used for the Wayne Bank app.
What are the deposit limits?
Deposit limits are the same for every user. For consumer customers the per deposit limit is $1,500.00 and per day limit is $3,000.00. For non-consumers using our business app the per deposit limit is $5,000.00 and the per day limit is $10,000.00.
What are the cutoff times?
Wayne Bank makes every effort to process deposits received before 4:00 p.m. on the same business day. However, please be aware the Mobile Banking Terms and Conditions allow the bank up to two business days to process a mobile deposit.
Are there any fees for processing deposits?
This service is free!
Will the pending deposit be available in my account balance?
Your deposit will take up to two days to process (depending when it was submitted) and will not immediately be available in your account balance. We process all day and update our records in the evening. Check for your deposit the next morning.
How do I complete a deposit?
Once you are logged into the app simply tap the deposit option. Then chose new deposit, enter your deposit amount. Take a picture of the front and back of your check then submit it. The following are tips to help with the process:
Tablet app FAQs
- Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone
- Sign/Endorse the back of your check, and label it “For Mobile Deposit Only”
- When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check
- Flatten folded or crumpled checks before taking your photos
- Keep the check within the view finder on the camera screen when capturing your photos
- Try not to get too much of the areas surrounding the check
- Take the photos of your check in a well-lit area
- Place the check on solid dark background before taking the photo
- Keep your phone flat and steady above the check when taking your photos
- Hold the camera as square to the check as possible to reduce corner to corner skew
- Make sure that the entire check image is visible and in focus before submitting your deposit
- Avoid shadows across the check
- All four corners are visible
- Check is not blurry
- The MICR line (numbers on the bottom of your check) is readable
How do I download the app on my Tablet?
Go to the Apple, Google Play, or Amazon Store and search Wayne Bank. Our app will display, simply tap the free button then install. You will need to agree to our terms and conditions.
All other app Q&A and Mobile Capture Q&A apply to tablets
General CardValet Questions:
Does CardValet work on Android phones and iPhones?
Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.
Does CardValet work for ATM cards?
No, CardValet currently supports debit cards (operating on the EPOC platform) and credit gateway transactions (also operating on the EPOC platform).
How long does the app stay logged in if you don't log out?
The app automatically logs the user off in 10 minutes.
How will names appear on the card within the app?
Names are displayed as last name then first name (e.g. SMITH JOHN.)
Does CardValet reflect the card status?
Yes, the Card Details screen displays the Card Status.
Does the app show recent transaction history?
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
What type of transactions display in CardValet?
CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account but without using your card, such as teller transactions or bill pay on an account.
Will the user be locked if incorrect login credentials have been entered?
Yes. Whenever a username and/or password are entered incorrectly, this message will display each time: “Login Failed. Please enter a valid username or password.” User will be locked after 3 attempts and cardholder would need to contact Deposit Operations to rest.
User remembers username but forgot password, how do they reset password?
User can press “Forgot Password” bar on previous screen. User will be prompted to enter username and proceed to press “OK”. One-Time token will be sent via email. Token is only valid for 15 minutes.
What are the CardValet password requirements?
CardValet passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.
If a user has two cards from different financial institutions that support CardValet; can they register both cards with CardValet?
The user must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. In the login page, the logo of the last logged-in financial institution shows.
Can multiple cards be linked to one registered CardValet account?
Yes; cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the “Settings - Add Card” screen.
How many cards can you register within a single CardValet application?
There is no limit.
When loading more than one card on a device, what type of information does the user need in order to register each card?
The user needs to enter the same level of detail entered for the original card. This information generally includes the card number, address, ZIP code, expiration date, and CVV/CVC code. Secondary authentication includes: security token sent in an email, last 4 digits of the social security number, or a PIN’d transaction amount performed in the past 72 hours. Multiple individuals can register the same card as long as they know the card details. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.
You can download the card on multiple devices but are requested to indicate which device is “primary.” What is the purpose of assigning a primary device? Can you make changes to the settings from the non-primary devices?
The primary device is used to track the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing “Settings - Primary Device.”
If a parent registers a card for a child, what stops the child from changing the controls placed on the card?
Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardValet unless the parent shares the information.
As part of the cardholder registration process, CardValet may prompt the user to enter the amount of a PIN-based transaction performed in the past 72 hours. What if a cardholder doesn’t use PIN’d transactions? What if they just used their card as signature only?
In the event that a cardholder does not have an email or SSN on the cardholder record, the cardholder is requested to perform a PIN-based transaction. The amount entered is compared to the historical transaction data. The PIN-based transaction may be performed at an ATM or to make a purchase.
When cardholders receive a reissued or replacement card, will they have to update their cards within the application?
If the card number is new, then the user must “add” the new card number to the user's profile. In addition, the user may delete the old card by accessing Settings > Manage Accounts.
What if a cardholder is having issues registering and can't get past the SSN?
All information must match to what the Financial Institution has on file. If cardholder is having issues registering, cardholder must notify Financial Institution and verify information. Contact Deposit Operations for further assistance.
Controls and Alerts
What exactly is the range of the "My Location?" controls, and will this control setting impact internet transactions?
The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not impacted.
If My Location is set but the primary device is off, will transactions get denied outside of the My Location area?
CardValet ignores location information that is more than one (1) hour old. So, if the phone is off for more than an hour My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
What happens if My Location is set but the phone is left at home? Will transactions be denied outside the My Location area?
CardValet performs a proximity check at the granularity of zip code or city, so if the merchant is close to home then the transactions will still go through.
Can a user turn on My Location for a dependent’s card? How will it work?
My Location is only effective for the enrolled user. To limit the dependent’s card, the user can use the Region feature to set usage preferences for where the card can be used. Set location preference to “Region” in the drop down menu, then “Add” a “New Region” to set the map to the area where the card may be used.
A region has been set on the map. Does this mean the card can only be used exactly in this region?
The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.
Can cardholders block all international transactions?
Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States. Any custom rules or countries blocked by FI will not be overridden by this control. Cardholders would still need to notify us of their traveling destination and timeframe.
Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions?
Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks.
How long does it take for a control or alert setting to take effect?
Control settings take effect as soon as the “Updating information” message in the app stops.
How are controls established for various merchant types?
Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.
How does a user turn off notifications at certain times such as when the user is sleeping?
The user can set the “Do Not Disturb” time that will suppress notification during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.
Are the alerts sent as email or “push” notifications to the device?
CardValet alerts are sent as push notifications to the phone. The alerts also display under “Messages” in the CardValet app.
If the user has set an alert for international transactions and no controls are set, will the user receive alerts for all international transactions regardless of whether the transaction is blocked or successful?
Yes, an alert is generated regardless of whether or not a control preference is set.
If a user sets multiple alerts and a transaction violates these alerts will the user receive a separate message for each alert?
No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings then you will see only one alert and not multiple alerts.
Can we turn the low balance alert off?
The low balance alert is controlled on a cardholder level. It cannot be turned off by client/card prefix.
When is a low balance alert generated?
CardValet updates the balance under two conditions: (a) when the user logs into CardValet and (b) when the user taps “Refresh.” Even if the balance has fallen below the threshold that has been set, it is only updated when the user logs into the app or taps “Refresh,” which then triggers the alert.