Online Banking User Guide

How do I log in for the first time after the upgrade?

You'll continue to access online banking "Login" link on our website, www.sbw.bank.  

• Use your current Online Banking username (your existing online banking ID).  Your one-time password will be the last four digits of your Social Security Number or Taxpayer Identification Number (for a business).
• You'll then be asked to re-verify your username and and create a new password.
• For security, we'll send you a Temporary Identification Code by text, call, or email. You'll enter this to proceed.
• Finally, you will review and accept the updated Terms and Conditions before accessing your accounts. (You must click to open the document before you will be able to accept the agreement.)

What is the Temporary Identification Code and why do I need it?

This is an added layer of security. Each time you log into online banking, you’ll be asked to enter a 6-digit code sent by text, email, or phone call. You can choose to “trust” your personal device to skip this step in the future. (Please be aware that clearing your browser's cookies will result in the need to complete the identity verification step again.)

If you don't see your preferred contact method listed, give us a call to update your information.

Do I need to download a new app?

You will only need to update your current State Bank Mobile App through the App Store or Google Play. Most devices will prompt you to update automatically if you don’t have auto-update turned on.

How do I use biometric authentication on the app?

If you would like to enable biometrics to login using face recognition (i.e. FaceID ) or your fingerprint (i.e. TouchID ), you will be prompted to “Save Login” during your first visit to Mobile Banking. If you do not wish to use this feature, you may disable the prompt within the Information Settings menu.

Will my scheduled transfers and Bill Pay still work?

All your scheduled or recurring transfers, payees, and bill payment history will carry over to the new system without interruption.

Please keep in mind Online and Mobile Banking will be in view only mode during the weekend update, so we encourage you to complete any payment scheduling needs prior to 4 PM on Friday, October 24. You will have access to Bill Pay when Online and Mobile Banking are available again the morning of Monday, October 27. 

Any scheduled or recurring transfers will continue without interruption following the transition to the new platform. Please note the new Quick Transfer tool will transfer funds immediately upon submission. You can edit, review or confirm existing transfers within the Transfers menu.

Can I still use Mobile Deposit and eStatements?

Your Mobile Deposit enrollment will remain active, and any existing eStatement preferences will carry over. You may be asked to accept updated disclosures to continue receiving statements electronically.

What about other features?

• Text Banking: Check balances, review history, or transfer funds by sending simple text commands.
• Alerts: Customize text/email alerts for balances, transactions, or statement availability.
• Manage Card: Easily manage and protect your State Bank debit card by locking/unlocking it, setting up card activity alerts, managing card transaction limits & blocks and setting travel alerts.

I’m a business customer. How do I access Cash Management?

All Cash Management services are now located under the Cash Manager tab in Online Banking. This includes:

• ACH Origination
• Online Wires
• User Permissions/Administration

Key Changes for Business Users:

• User Permissions: Your existing user access and permissions have been converted, but some settings may look different. We recommend that your company’s account Administrator review and confirm user permissions after the upgrade.
  
  
• Login Credentials: First-time login works the same as retail customers: use your current Online ID as the username and the last 4 digits of your EIN/TIN as the password. After identity verification, you can set a new password.
  
  
• Identity Verification: You’ll be asked for a one-time 6-digit security code (via text, call, or email) when logging in. You can trust up to 5 devices to skip this step later. Clearing cookies will reset trusted devices.
  
  
• ACH Origination – New Statuses:
  • Available: New batch or one that’s been processed before; must be authorized to proceed.
  • Ready to Initiate: Batch has been authorized by one user and awaits a second user to initiate (if Dual Control is required).
  • Initiated: Batch has been completed; send and effective dates will display
    
    
• Soft Tokens (Replacing Hard Tokens): ACH Originators will now use a mobile “soft token” for added security. You’ll receive a link to download the Duo Mobile App (iPhone/Android). Once enrolled, you’ll use Duo Mobile for identity verification when initiating ACH batches.

What if I forget my username or password?

Simply click “Forgot Username” or “Forgot Password” on the login screen and follow the steps to reset your credentials.