Frequently Asked Questions




 Why is the online banking experience changing? 

We have upgraded to a new online banking provider so we can provide a more powerful and personalized experience with innovative new features and tools.

When will the change take place? 

We will begin the upgrade on Friday, November 10, 2023 at 4:00pm Central Standard Time (CST), and the new functionality will be live tentatively on November 13, 2023. Access to Waukon State Bank and Viking State Bank & Trust’s Online Banking will be unavailable from 4:00pm Central Standard Time (CST) on November 10, 2023 until approximately 9:00am Central Standard Time (CST) on November 13, 2023. While you will be unable to schedule, modify or check the status of any payments during this time, rest assured all previously scheduled payments will be paid as scheduled.

What is different about the new online banking solution? 

The new online banking solution will include several enhancements and new features, including:

  • A seamless, personalized banking experience
  • Quicker access to key features, making it easier to find the information and tools you need
  • Financial wellness tools to help you set goals, manage budgets and more
  • An enhanced mobile app allowing you to deposit checks, locate an ATM to withdraw cash from, manage receipts and more

Will I be able to view recent transactions, pay bills and set reminders with the new system? 

Yes. The new navigation and screen flows will provide a more user-friendly experience making it easier than ever to find the information and tools you need to manage your money.

Will I have to update my mobile app? 

Yes. Once the upgrade is complete, you will be prompted to download the new app upon launching your existing app. You can also go to the App Store or Google Play and search ‘Waukon State Bank’, ‘Waukon’, ‘Viking State Bank & Trust’, ‘Viking State Bank’ or ‘Viking’ to download the new app. The new mobile app has an icon of a joint logo icon with a white background.

Why am I not receiving important information, such as scheduled upgrade dates? 

We may have outdated contact information for you on file. Please contact us at 563-568-3451 (Waukon) or 563-387-0191 (Viking) or visit one of our locations in person to confirm and/or update your contact information with us.

Do I need to re-enroll in Waukon State Bank/Viking State Bank & Trust’s Online Banking?  

You do not need to re-enroll in Waukon State Bank and Viking State Bank & Trust’s Online Banking; however, there are some steps you will need to take to access your accounts. 

How do I log in to the new system for the first time? 

There are a few steps you will need to take to access your accounts for the first time.

Step 1: When you log in for the first time,
You can login using the login box on the Waukon State Bank or Viking State Bank & Trust websites. Your username will remain the same as it was on our old internet banking. If your username consisted of all numbers, you will be forced to change your username during te first time login process. For password credentials please see the recent emails you should have received from us on Friday, November 10th and again on Monday, November 13th.

Step 2: Review and agree to the new terms and conditions.

Step 3: if you were not using all numbers for your username you will be prompted to create a new password. The requirements are listed below. If you were using all numbers for your username you will be required to create a new username. See the requirements below.

Username requirements
• Must be at least six (6) characters long
• Must contain one letter
• Can contain letters, numbers and any of the following special characters: @$*_-=.! ~
• Cannot contain any spaces
Password requirements
• Must be between 10 and 32 characters
o Must contain at least 1 uppercase letter, 1 lowercase letter, 1 number and 1 special character
• Cannot contain any spaces
• Cannot contain the username
• Passwords are case sensitive
• Passwords do not expire
• There is no policy about password reuse

Step 4: Enter your phone number or email to receive a one-time verification passcode.

Step 5: Enter your one-time verification passcode. You will then have the option to register your computer and browser, allowing you to skip the one-time verification process on that device. Please select accordingly depending on the device that you are using.

How do I view my statements? 

If you have already enrolled in online statements, once you log in to the new system, you will be able to easily access past and current statements from the navigation. If you have not yet enrolled in online statements, you can do so by logging in to your internet banking – Go to the Additional Services tab or to the Online Statements button when in the Account History for each of the accounts you would like to receive estatements for. When you open the statement the first time, view the Terms and Conditions and when you actually click on the first statement you want to view you will have to verify that you can open and read the statement. You will need to do this for each statement you open the first time.

Will bill pay information be converted to the new system? 

All bill pay information, including payees and payment history, will convert to the new system. You will not need to re-enter your information. However, we suggest that you schedule any payments that will need to be paid between November 10, 2023 and November 13, 2023 in advance. Bill pay will not be available as we upgrade to the new system. For added peace of mind, you may want to print or write a list of your payees, including payment amounts and due dates, so you can easily verify them in the new system.

Who can I pay using bill pay? 

You can send payments to any individual or business in the United States—including large companies and small companies, as well as individuals such as childcare providers or family members. Bill pay sends payments electronically whenever possible. If the recipient cannot receive electronic payments, a check will be printed and sent from the bill pay system to the payee address you provided during the payee setup process.

What bills can I not pay with bill pay? 

You cannot use bill pay to pay any company or individual with an address outside the United States or its territories.

If you have additional questions, please call us at 563-568-3451 (Waukon) or 563-387-0191 (Viking) or visit one of our locations in person.

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