First Time Login Instructions

Establish a new password for your account. 

Login to your new online banking with your CURRENT USERNAME.

Your ONE-TIME PASSWORD for personal users is your CURRENT USERNAME followed by the LAST 4 digits of your Social Security Number.

    Depending on how your online account was originally configured — Primary business users may need to use the last 4 digits of your business Employer Identification Number instead of your Social Security Number.

Due to transferring information from one system to another, there was an additional statement cut on November 10th for all customers. No maintenance fees will be charged for this statement. Customers who previously opted for eStatements will continue to receive their statements through the security of Digital Banking.   Please be sure to accept the online consent when you log into Digital Banking to continue this service.

You will notice a gap in statement history in your online banking account.  These will take up to 2 weeks to move from our previous provider to our new provider.  We apologize for the inconvenience.  If you need access to a statement before it is available please reach out to our Customer Service Team and we will upload the statements for you.   They can be reached during banking hours at 651-462-7601.  Thank you for your patience.

Mobile Apps

Please delete your previous mobile app and install our new one from your APP STORE. 

Use the First Time Login Instructions above to log in the first time.

Email Alerts

Please review any of your customized alerts and preferences upon your first login.


Xpress Telephone Banking      (651) 462-7600

All users must set up your new TELEPHONE BANKING PIN using the instructions below.

First Time Calling Instructions:

Your existing Telephone Banking PIN will be reset and you will need to setup a NEW PIN the first time you call.

  • The initial greeting message will walk you through resetting your PIN.
  • Select option “3” to update your PIN.
  • Once selected, you will be prompted to enter one of your account numbers.
  • You will then be prompted to enter your current PIN. This will be the last four digits of your social security number.
  • Enter and confirm your new PIN.
  • This will update the PIN for all of your primary accounts.

Once your PIN is updated, you will be able to inquire and transfer funds on your eligible accounts.

Troubleshooting Tips:

  • Your new PIN cannot be the last four digits of your social security number, it must be a random four-digit number. Your telephone banking PIN is not tied to your debit card PIN.
  • If you attempt to access your account before updating your PIN, you will receive an invalid PIN message. You will need to follow the steps above in order to update your PIN and access your accounts.
  • We are here to help. Please reach out to us for assistance at (651) 462-7601 if you:
    • receive an invalid PIN message.
    • have forgotten your PIN.
    • have been locked out.
    • do not have access to authorized accounts.
Account Statements

All Checking & Savings accounts will be cycled on November 10th.

In order to move from one core processing system to the other, all checking and savings accounts will cycle on November 10th.   This statement will include your account activity from your last statement date through November 10th.  If your account receives a fee all fees will be waived for this special statement.  You will also receive a statement as of month-end that will include transactions from 11/11/2021 – 11/30/2021.

Going forward, monthly account statements will be generated on the last business day of each month

Check Images & Statement Availability will be impacted.

Checks clearing your account after November 11, 2021 will be available for access in the new Digital Banking system after November 14th.  You will have the ability to click on the image of the item while looking up history, similar to how you view them today.

Items clearing your account prior to the conversion date will only be found on your statements.  Some statements will be available at conversion.   The most recent statements will take some time to be converted from our previous system and will not be available immediately.  Please contact us if you need copies of checks and or statements prior to their availability in Digital Banking.

Health Savings Account Changes

Health Savings Accounts will now be much easier to understand.   Instead of having a savings and a checking account, the new software allows us to consolidate these into one Health Savings Account.  The account will retain your Checking Account number.    Your existing checks and debit cards will continue to work with this new singular account.

Ready Reserve Changes

You will see changes with the account number structure on your notices and communications.  While numbering has changed slightly – our systems and staff will be able to translate the numbers for processing your transactions!

Going forward, customers utilizing a Ready Reserve Credit Line will receive a separate statement on the 1st of each month instead of a combined statement as they do today.  The functionality of your Ready Reserve will remain the same.  The only difference is that statements will be mailed separately.


identity theft

Avoid Scams & Scammers

Most scams and scammers have two main goals–to steal your money and your identity. You should know what to look for, how they work, and what to do, so you can protect yourself and your finances.  Visit the FDIC’s Consumer News site and educate yourself on the latest scams.

Learn More