Online Services

Answers

Bill Payment

• What are my rights if you fail to make a payment I request?

  If we fail to complete a payment or transfer in time or in the correct amount according to the Sibley State Bank Online Agreement (Section 7), we are liable for your losses or damages. However, there are some exceptions. We are not liable if: (1) through no fault of ours, you don't have sufficient funds in your account to make the transfer; (2) the funds are subject to legal process or other encumbrance restricting a transfer; (3) the transfer exceeds the credit limit on your line of credit; (4) there is a technical malfunction which is known to you at the time you attempt to initiate the transfer or, in the case of a recurring transfer, at the time the transfer should have occurred; (5) circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we take. In no event are we liable for more than actual damages proved if any failure of ours was unintentional and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.

  This does not mean that we accept liability for other circumstances resulting in transfers not being made or completed on time. For example, we are not responsible for delayed or failed transfers if: (1) you fail to use the Services properly in accordance with this agreement and any online or other instructions supplied in connection with the Services; (2) you don't request the transfer and schedule the payment date sufficiently in advance of the due date for the obligation you are paying; (3) you exceed applicable restrictions on the number, amount or frequency of transfers; (4) you fail to supply accurate information with regard to the persons you wish to pay (e.g., name, address and account number); (5) the person you wish to pay or their bank mishandles or delays posting the payment; (6) your computer or software fails to operate correctly, or your instructions are lost or delayed in transmission to us; (7) a bona fide security consideration causes us not to make the transfer (e.g., your PIN or password has been reported lost or stolen; we have reason to believe a transfer is unauthorized; or the transfer would violate other security restrictions in our system); or (8) your relevant deposit account is closed, or services hereunder have been terminated or suspended.

  Return to Bill Payment FAQ

• How do I pay bills that change amounts each month?

  You will not be able to set up a recurring payment for those bills. You will have to initiate a new payment to that merchant each month.

  Return to Bill Payment FAQ

• Will my payment still be sent if I do not have enough money in my account to cover it?

  If you do not have the funds to cover the amount of the scheduled payment, the payment may not be made and an insufficient funds fee will be charged to your account.

  Return to Bill Payment FAQ

Download

The following are download procedures available for some of the more popular software programs in use today: Quicken^® Web Connect*, QuickBooks^®*, Quicken^® and Quicken for Mac^†, Microsoft Excel^®‡. View the questions below for more information on using these software programs.

Quicken^® Web Connect

• What is Quicken^® Web Connect*?

  Quicken^® Web Connect offers superior download capability. You will enjoy an easier, and more accurate download, without having to import and find your file, worry about duplicates, or even manually launch Quicken! To use Web Connect, you must have Quicken^® 2009 software. Quicken^®, Web Connect downloads can be done from either your online banking account or from your Quicken^® 2009 software.

  Return to Download FAQ

• How do I perform a Quicken^® Web Connect* download from my online banking account?
  • For PC Users
  • For Macintosh Users

  1. Log on to your bank's web site.
  2. Select the download link from the Account Detail page or the Download link from the left navigation menu on the Account Summary page.
  3. Select the account to download.
  4. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
  5. Select the Quicken 2009 or later (Web Connect) format.
  6. Click on the Download Now button.
  7. A dialog box may appear stating "Would you like to open the file or save it to your computer?" Select Open. (If your downloads are saved to your hard drive, find the file after it is saved, and open the file.)
  8. If this is your first time downloading with Quicken^® Web Connect for the account selected:
     1. A dialog box will appear stating, "You are downloading transactions for the following account." The box will display account information, such as Financial Institution, Account Type and Account Number.
     2. You will be asked if you would like to use "An existing Quicken account" or if you would like to "Create a new Quicken account".
        • Click the Use an Existing Quicken account button and select an account that you manually enter transactions or perform QIF imports and click Continue.
        • Or, click the Create a new Quicken account button and type a name for the account and click Continue.

          (You only need to select the account for this first download. After the account is activated for Web Connect account access, future downloads will download to this account automatically).

     3. When a dialog box appears stating that "Quicken confirms that Web Connect data has been successfully downloaded to Quicken", click Done.

     Follow the above steps for any other accounts you may wish to download into Quicken 2009.

  1. Log on to your bank's web site.
  2. Select the download link from the Account Detail page or the Download link from the left navigation menu on the Account Summary page.
  3. Select the account to download.
  4. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
  5. Select the Quicken 2009 or later (Web Connect) format.
  6. Click on the Download Now button.
  7. Save the .qfx file you downloaded to your desktop.
  8. Open Quicken 2009 and click on File, select Import Web Connect. Locate the Web Connect file you just saved to your desktop and click Open.
  9. You will be asked if you would like to use "An existing Quicken account" or if you would like to "Create a new Quicken account".
     • Click the Use an existing account button and select an account that you manually enter transactions or perform QIF imports, and then click OK.
     • Or, click the Create a new account button and type a name for the account, and then click OK.

       (You will only need to do this the first time you download an account. After the account is activated for Web Connect account access, future downloads will download to this account automatically.)

  10. Your downloaded transactions are displayed in the Download Transactions window.
  11. Follow the above steps for any other accounts you may wish to download into Quicken 2009.

  Return to Download FAQ

• How do I find Sibley State Bank on my Quicken^® 2009 software?

  When attempting to connect to your online banking account from Quicken^®, go to the list of participating financial institutions, and select Sibley State Bank and click on Go, and then log into our bank site as you normally would.

• How do I perform Quicken^® Web Connect download from my Quicken^®, 2009 software?
  • For PC Users
  • For Macintosh Users

  1. Have Quicken 2009 open.
  2. Click Download Transactions located at the bottom of your account register.
  3. The next page displayed will be the Sibley State Bank page.
  4. Log into your bank/credit card as you normally would.
  5. Select the download link from the Account Detail screen or the Download link from the left navigation menu on the Account Summary page.
  6. Select the account to download.
  7. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
  8. Select the Quicken 2009 or later (Web Connect) format.
  9. Click on the Download Now button.
  10. A dialog box may appear stating "Would you like to open the file or save it to your computer?" Select Open. (If your downloads are saved to your hard drive, find the file after it is saved, and open the file.)
  11. When a dialog box appears stating that "Quicken confirms that Web Connect data has been successfully downloaded to Quicken", click Done.
  12. Your transactions have been downloaded into your Quicken software.

  1. From the Online menu, select Download Transactions.
  2. Choose First National Bank from the Financial Institution pop-up menu.
  3. Choose the account name from the Account pop-up menu.
  4. Click Download. Quicken^® will launch your default browser and take you to the Sibley State Bank page. Log into your bank/credit card as you normally would.
  5. Select the download link from the Accounts Tab or any Account Detail page.
  6. Select the account to download.
  7. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
  8. Select the Quicken 2009 or later (Web Connect) format.
  9. Click on the Download Now button.
  10. Quicken^® will automatically locate the file on your desktop and display the downloaded data from this file in the Download Transactions window.
  11. Select each transaction that you want to add to your register. You can hold down the Command key and click additional transactions to select multiple transactions. If you make a mistake and want to deselect a transaction, click on it again.
  12. Click Accept to record the selected transactions, or Accept All to record all transactions. The accepted items are added to your register, marked C (cleared), and removed from the transaction list.

  If you have problems downloading your account information, please contact us.

  Return to Download FAQ

QuickBooks^®

• How do I get started with QuickBooks^® Web Connect* from my online banking account?
  1. QuickBooks 2009^® is required for you to use QuickBooks with your online banking account.
  2. Log in to your account.
  3. Select the download link from the Accounts Tab or an Account Detail page.
  4. Select the account to download.
  5. Select your download dates. To avoid possibly downloading duplicate entries, the THROUGH date should be no later than the previous business day.
  6. Select QuickBooks 2009 or later (Web Connect) format.
  7. Select the Download Now button.
  8. A dialog box will appear that asks whether you want to process transactions now or save them for later processing.
  9. Select the HaveQuickBooks process these transactions now radio button to continue.
  10. On the 'Select Bank Account' dialog box, select the Use an existing QuickBooks account radio button and select an account from the drop-down list, or select the Create a new QuickBooks account radio button and type a name for the account, and then select Continue.
  11. When QuickBooks confirms that your Web Connect data has been successfully read into QuickBooks, select OK.

  Return to Download FAQ

• How do I get started with QuickBooks^® Web Connect* using QuickBooks^®*?
  1. From the Banking menu, choose Set Up Online Financial Services, then choose Setup Account for Online Access. You may see a message about closing all windows. Select Yes.
  2. Select the Enable Accounts tab on the top of the Interview Box.
  3. Select Next.
  4. From the drop-down list, select Sibley State Bank, then select Next.
  5. Select "Yes, I've received my confirmation letter", then select Next.
  6. If prompted to complete your account setup online, select 'Go Online'. Log into your account on Sibley State Bank Online. Go to the Download page, select your account, your statement/date range, select the QuickBooks 2009 or later format, and select Download Now to download your statement/date range into QuickBooks.
  7. Select a QuickBooks account to set up for online services.
     • To enable an existing QuickBooks account for online banking, select 'Use my existing QuickBooks account.' Choose the account you want to enable, then select Next.
     • To create a new QuickBooks account for online banking, select 'Create a new QuickBooks account,' then select Next. Follow the on-screen instructions to enter new account information.
  8. If prompted, enter your account type and account number, and select the online account access and/or online payment services. Continue following any remaining instructions to complete the interview and setup process.

  Return to Download FAQ

• How do I find Sibley State Bank on my QuickBooks 2009 software?

  When attempting to connect to your online banking account from QuickBooks^®, you will need to select the list of participating financial institutions, and then select Sibley State Bank, and then log into your bank site as you normally would.

  Return to Download FAQ

• How do I download from QuickBooks 2009 or later (after the first download)?
  1. From the QuickBooks banking menu, choose Online Banking Center.
  2. In the Online Banking Center, select Sibley State Bank from the Financial Institution list box. (This box is in the upper left hand corner of the screen.)
  3. In the Items to Send area, select the desired statement and then select Go Online.
  4. When your banks site's page is displayed, enter your User ID and password, and select Download in the logon to/go to drop down box. Select Submit/Log On button.
  5. Select the account to download.
  6. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
  7. Select the QuickBooks 2009 or later (Web Connect) format.
  8. Select the Download Now button.
  9. A dialog box may appear asking if you would like to Open the file or Save it. Select open.
  10. You will next see a dialog box from QuickBooks that QuickBooks has received new transaction data.
  11. Select to import new transactions now. Select OK.
  12. You will see a dialog box that your Web Connect data has been successfully read into QuickBooks. Select OK.
  13. In the Items Received From Financial Institution area, select the desired statement and then select View. The Match Transactions window appears.
  14. From the list at the bottom of the Match Transactions window, select a transaction to add to the register and then select Add One to Register. Use the Add Multiple button to add all transactions that have a recognized payee and associated account.
  15. Follow the on-screen prompts to perform your desired activities. You will have opportunity to create an alias for an unrecognized payee. Aliased payees are automatically renamed at each download.
  16. When the transaction appears in the register, select an account for the transaction from the Account drop-down list and then select Record.

  If you have problems downloading your account information, please contact us.

  Return to Download FAQ

Quicken^® and Quicken^® for Mac

• How do I download from Quicken software?

  The download must be saved into a file on your hard drive (usually the C:\ drive for PC users or the desktop for Macintosh users). Information will be downloaded from your online banking account from a specified date range into a file designated by you. Follow these procedures for downloading:

1. From your online banking account, select the Download Transactions link from the Account Detail page or the Download link from the left navigation menu in the Banking section.
2. Choose the account you would like to download.
3. Choose your download dates.
4. To avoid duplicating pending transactions, the THROUGH date should be no later than the previous business day.
5. Choose your download format. There are two format options available for Quicken: Quicken versions 1999 release 4 and above or Quicken 99 below release 4. Choose the format that is appropriate for your version.
6. Click on Download Now.
   • For PC Users
   • For Macintosh Users

   1. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
   2. A SAVE AS window will be displayed on your screen.
   3. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
   4. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .qif extension. For example: checking.qif, download.qif, update.qif.
   5. Then select the SAVE button.

      The account information is now located in the file and a DOWNLOAD COMPLETE message will appear.

   1. A download window will appear indicating download status or asking to save file to disk. Click OK if necessary and save file to hard disk. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
   2. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.)
   3. Then select the SAVE button.

      The next step is to import the file into the appropriate Quicken^® account. To begin this process, open up the appropriate account within Quicken^® and complete the following steps:

      • Select FILE and then select FILE OPERATIONS.
      • Select IMPORT.
      • A QIF IMPORT window will appear, and the file that was saved earlier must be selected. Select FIND FILE.
      • Select the C:\ drive and find the file that was saved followed by .qif.
      • Select it and hit OK - Select OK on the QIF IMPORT screen.

        View the account. All transactions will fill into the register with dates, descriptions and amounts.

      If you have problems downloading your account information, please contact us.

      Return to Download FAQ

Microsoft Excel^®

• How do I download from Microsoft Excel software?

  The download must be saved into a file on your hard drive (usually the C:\ drive for PC users or the desktop for Macintosh users). Information will be downloaded from your online banking account for a specified date range into a file designated by you. Follow these procedures for downloading:

1. Select the Download link from the Accounts Tab or a the Account Detail page.
2. Choose the account you would like to download.
3. Choose your download dates.
4. To avoid duplicating pending transactions, the THROUGH date should be no later than the previous business day.
5. Choose the Text (Excel, Lotus) comma delimited format.
6. Click on Download now.
   • For PC Users
   • For Macintosh Users

   1. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
   2. A SAVE AS window will be displayed on your screen.
   3. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
   4. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .qif extension. For example: checking.qif, download.qif, update.qif.
   5. Then select the SAVE button.
   6. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
   7. A SAVE AS window will be displayed on your screen.
   8. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
   9. Enter a FILE NAME. The file will automatically be named DownloadTran.txt. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .txt extension. For example: checking.txt, download.txt, update.txt.
   10. Then select the SAVE button.
   11. The download information is now located in the file and a DOWNLOAD COMPLETE message will appear.

   1. A download window will appear indicating download status or asking to save file to disk. Click OK if necessary and save file to hard disk. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
   2. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.)
   3. Then select the SAVE button.

To open the file using Microsoft Excel^®, complete the following steps:

1. Select FILE then select OPEN.
2. In the FILES OF TYPE box, click TEXT FILES.
3. In the LOOK IN box, locate the file saved during the download phase and double-click on the file you want to import.
4. The Text Import Wizard will appear.
5. In step 1 of the wizard, Choose DELIMITED for your file type, then click on the NEXT button.
6. In step 2 of the wizard, place a check in the COMMA option for Delimiters, then click on the NEXT button.
7. In step 3 of the wizard, you may choose the format you wish for each column by clicking the columns in the DATA PREVIEW box, then click on the FINISHED button when your data is formatted as you like.
8. View your transactions. All transactions will appear with dates, descriptions and amounts.

If you have problems or questions about downloading your account information, Contact Us.

Return to Download FAQ

Transfer Funds

• What types of accounts can I transfer funds to and from?

  You can transfer funds to and from any Sibley State Bank savings and checking accounts on which you are an authorized owner. Plus, you can make payments to your line of credit, mortgage and installment loans, and Sibley State Bank credit card accounts. You may also transfer funds to other customers of Sibley State Bank provided you know the name on the account and the customer's account number.

  Return to Transfer Funds FAQ

• Are there limits on the number of transfers I can make?

  Some accounts, such as checking accounts, have no limit on the number of transfers you can make. However, savings and money market accounts are restricted on the number of withdrawals or transfers per month. Please review your account disclosures for such limitations. If you have any questions, contact us.

  Return to Transfer Funds FAQ

• Will I be able to transfer funds between banks?

  Yes. If you would like to transfer funds from a Sibley State account to an external account, our online BillPay system offers this capability.

  Return to Transfer Funds FAQ

PIN

• What is a PIN?

  Your Personal Identification Number (PIN) is a security code that allows Sibley State Bank to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

  Return to PIN FAQ

• How do I select a PIN?

  To select a PIN for your credit card, Visa^® Check Card/ATM card, simply log on and go to the PIN Request page within the Account Services section.

  • When selecting a PIN, use something that is not easily guessed — avoid birthdays and addresses.
  • Use different PINS for each account.
  • Memorize your PIN. Do not write it on the back of your card or keep it with you.
  • Since the PIN is for security purposes, you should not disclose it to anyone.

  Return to PIN FAQ

• Can I change my PIN?

  Yes. Once you log in to the site, you can request a PIN change for your credit card and Visa® Check Card/ATM card in the Services tab.

  Return to PIN FAQ

Paperless Statements

Overview

• Will I continue to receive my printed statement in the mail if I sign up for paperless statements?

  No, when you sign up for Paperless Statements you will not receive a paper statement in the mail. If you would like to continue to receive your paper statement, and you would also like to receive an email notifying you when your new account information is available to view online, you can sign up for the Statement Information Available email alert in the Manage Alerts section of the site.

  Return to Paperless Statements FAQ

• Are paperless statements available on all Sibley State accounts?

  Paperless Statements are currently available for credit card, checking, savings, money market, line of credit, certificate of deposit, and IRA accounts.

  Return to Paperless Statements FAQ

• Can I have my paperless statement notification sent to multiple email addresses?

  Yes, you can choose to send your paperless statement notifications to up to two email addresses per account.

  Return to Paperless Statements FAQ

• What if I sign up for paperless statements and then decide I would like to receive paper statements again?

  At any time you can return to paperless statements in the Accounts section of the site and choose Manage Statements to turn paperless statements on or off.

  Return to Paperless Statements FAQ

Viewing, Printing and Saving Your Paperless Statements

• After I sign up, when can I expect to receive my first paperless statement?

  You will begin to receive paperless statements and stop receiving paper statements with your next statement cycle. If your statement has recently cycled, you may receive one last paper statement before electronic statements begin.

  Return to Paperless Statements FAQ

Account Alerts

• How do I change the email address(es) for my alert?

  To change your email address(es) go to the Profile section of the site.

  Return to Account Alerts FAQ

• Why doesn't my payment posted alert match the amount of the last payment I made?

  At the end of each business day, when the account alerts are generated, the last payment that posts to your loan account will be the payment amount that is reflected on your alert. If there were multiple payments made, or if the loan payment(s) were split between principal and interest, the alert amount may not match the amount of the payment you made. It is recommended that if your alert does not match the amount of your last payment, that you log in to our secure web site to view your loan account history.

  Return to Account Alerts FAQ

Online Message Center

• I received a notice that I have a new message in my inbox. How do I retrieve my new message?

  Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to online banking and click on Contact Us to access the Online Message Center where you will be able to view your new message.

  Return to Online Message Center FAQ

• What if I have not received a reply in the amount of time I was told?

  It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within the designated amount of time, please resend the message or call our customer service representative.

  Return to Online Message Center FAQ

• What happens when I delete a message?

  When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.

  Return to Online Message Center FAQ

• Can I update my email address?

  You can update your email address within the Profile tab of Online Banking.

  Return to Online Message Center FAQ

Getting Started

• If I share an account with someone else, do we both need to enroll in online banking or can we share an online banking account?

  For your security, every customer should have a unique User ID.

  Return to General Information FAQ

Sibley State Bank Visa® Debit Cards are issued by Sibley State Bank.

Credit Cards are issued by First Bankcard, a division of First National Bank of Omaha.

* Quicken, Quicken for Mac and QuickBooks are trademarks of Intuit Inc., registered in the United States and other countries.

† Mac and Macintosh are trademarks of Apple Inc., registered in the U.S. and other countries.

‡ Microsoft Excel is a registered trademark of Microsoft Corporation in the United States and other countries.