Your Access ID is case sensitive.  If you used any capital letters in setting up your Access ID, you must capitalize those same letters every time you enter your Access ID.   If you are entering the right Access ID and Password and you're still not able to access Online Banking, check if your Caps Lock button is activated.

Back To Top

What is my Access ID? 

As a "First Time User", your Access ID will be any one of your account numbers.  After you successfully Log In the first time, you will be prompted to change your password.  At that time you may choose a personalized Access ID, using at least six (6) letters and/or numbers.  The Access ID is case sensitive.  If you use letters in your Access ID, you must remember which letters are capitalized and which letters are not capitalized.

You will be required to change your password, but changing your Access ID is optional.  If you do not choose to enter a new Access ID when you are prompted to change your password, your Access ID will continue to be the account number that you used to Log In for the first time.

Back To Top

I'm a First Time User of Online Banking.  How do I start?

Before you begin, read the Disclosures and Agreement.  There is also a Disclosures and Agreement button at the bottom of each Online Banking webpage for your reference.  To access internet banking, go to the Log In Online Banking button found on the Bank of Brodhead homepage.

You will then see a "First Time Users" button for you to use.  Complete the information as requested on the screen:

After choosing "Submit", you will then be asked to change your password.  The bank will not know the password you choose, so you must carefully protect and remember it. 

You may choose to change your Access ID at this time.  Joint account owners will be required to have different Access IDs.  Letters or numbers are allowed and a combination of both is encouraged.   However, because characters are case sensitive, you must use the same capitalization each time.  (Check if your "Caps Lock" button is activated or not!)

After this first time Log In to Online Banking, you will simply Log In using your Access ID and your new password.

Back To Top

I have a joint account. How do I access my account?

Each customer needs to sign on to Online Banking with their own Password and Access ID.    If one signer on the account has already accessed Online Banking using the "First Time User" button, their Access ID (account number) is assigned to that password.   If an Access ID is already in use or has been chosen by another Bank of Brodhead customer, you will be prompted to choose a new Access ID.

Back To Top

After I log on to Online Banking, what should I do first?

Welcome! Once you're logged in to your accounts, there isn't any right or wrong thing to do first.  The "Password" button makes it very easy to change your password, and we encourage you to make a habit of changing it often for your own security. 

Once you are logged in, the screen will display "My Accounts" with a listing of your accounts.  You can view each of them in more detail by clicking on the corresponding account number.   Clicking on an account number will bring the "Balances" screen.  Just click on the other available buttons to see the different types of information now available to you.

Back To Top

One of the choices to log on the Account Type is Certificate. What is that? How do I log on using my Certificate of Deposit as my account type?

Certificate means Certificate of Deposit.  You can log in using your Certificate of Deposit number by choosing this account type.

Back To Top

What should I do if I forget my password?

The first time you log in to Online Banking, you are required to change your temporary password into a unique password.  Changing your password ensures that you are the only person who knows your password.  If you forget this password, contact our Customer Service Department at 608-897-2121 during regular business hours to receive a new temporary password. 

Back To Top

When do my banking transactions appear on Online Banking?

"Current Business Day" transactions are pending transactions.  Deposits made at Bank of Brodhead, ACH, debit card, and ATM card transactions make up the majority of these entries.

It is important to note that these transactions reflect certain types of account activity and, may or may not, be posted to your account at the end of the business day. For example, if you purchase an item from a merchant using your debit card, a verification transaction is sent to your account to see if you have enough money for the purchase. This verification appears as a pending transaction until the end of the business day. Another transaction is sent to your account when the merchant processes the actual purchase. In some cases, the verification and the actual transaction will appear as pending transactions on the same day. Only one of these will post to your account.

Furthermore, merchants are not consistent in the way they send verification transactions to your accounts. Some will verify for the exact dollar amount of the purchase while others will round up to the nearest dollar or five-dollar increment. Some restaurants, for example, will add 15% to the verification amount to cover an expected tip. This amount is for verification only and should not be written down in your ledger as the actual transaction amount.

Back To Top

What are "Memo Posted Debits"?

When you write out checks that are cashed by others who do not bank with Bank of Brodhead, the total amount of those checks will appear in a group as "Memo Posted Debits".  As Bank of Brodhead pays them, they will appear under your "Current Statement" as individual checks and their corresponding amounts.

Transactions that we receive, but have not been run through the bank yet, are listed in a group as "Memo Posted Debits".  This is found in the "Current Business Day" section of the transaction menu.   This is the most up-to-the-second balance of your account.

Back To Top

How can I be certain that a transfer I set up will happen?

One time transfer. You can rest assured when you receive a Confirmation Number that your "One Time Transfer"  occurred.  We recommend that you print the page with your Confirmation Number on it.  (Write down the Confirmation Number and transfer information if printing is not possible.)  If you have any questions about this transaction, we will need this Confirmation Number in order to help you.

You will be able to view the transfers by choosing the "Transactions" button for each of the saving or deposit accounts and looking at the "Current Business Day".  A transfer made from a deposit account will appear immediately, however the payment made to a loan account will appear only after the nightly bank processing update.

New Scheduled Transfers.  The details of your transfers that were set up using the "New Scheduled Transfer" button will appear by choosing the "Transfer" button under the account the transfer will be coming from.

Back To Top

How do I cancel a one-time transfer?

One time transfers are "real time" meaning once you submit your transfer request, it affects the balance. To "undo" the transfer, you have to reverse the transfer.  That is, to "reverse" a transfer you just made of $100.00 from your checking account to your savings account, you would now need to transfer the same amount of $100.00 from your savings account back to your checking account.  (Note the banking regulations for Savings and Money Market Accounts allow for a maximum of six (6) electronic transfers each month.)

Back To Top

How do I cancel a scheduled transfer?

Scheduled transfers are not "real time", that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer. 

View your scheduled transfers to be held in the future on each account using the "Transfer" button.  To modify a transfer, click on the link to the account you wish to change.   It will open the transfer details you had set up.  To cancel the scheduled transfer, change the remaining transfers to zero, or make other changes you wish.   Choose "Update Transfer Information". 

Back To Top

When I get large amounts in my accounts, why can't I see all of the numbers?

For best viewing, your screen resolution should be set to 800 x 600. 

Back To Top

Why can't I see my spouse's account?

Your password allows you access to the accounts which you are an owner or signer.  If you are not able to view an account which you believe you should be able to see, contact Bank of Brodhead's Customer Service Department at 608-897-2121 during regular business hours for assistance. If you are not an owner or signer on an account, you will not be given access to that account.

If you are not an owner or signer on an account, you will not be given access to that account.  For example, if your spouse holds an account in his or her own name, you will not be able to view it in your household accounts.

Back To Top

Can I use Online Banking with my Quicken or Microsoft Money?

You can export your transaction information from Online Banking.  First select the account you wish to export the information from.  Select the "Transactions Menu", then in the "Transaction Search" area enter any specific detail to export (or leave it blank to export all available information) then choose "Export". 

You will be able to select the format that your financial software accepts:  Comma Separated File (.CSV), Intuit Quicken (.QIF), or Microsoft Money (OFX), or Intuit Quickbooks (.IIF).  When you are using your financial software, Quicken or Microsoft Money, for example, you can use their import function to bring in the Online Banking information file that was exported. 

Back To Top