SMB Online Banking FAQs

Choose Forgot? when logging in to view your SMB Online ID and reset your password. You will need your account number to access this information. If you are unable to complete the steps, give us a call and we can help!

Two-step verification is an important security tool to help ensure you are the only one accessing your account information. By entering the code received at your number, the system knows it's you.

When initially setting up two-step verification, you will enter a phone number to receive a simple verification code via text or call. This is a one-time set up, so ensure that you have access to this phone while completing these steps. Each time you log in on a new device, you will receive a code at the phone number originally provided.

No. Check the Don’t ask for codes again while using this browser box if you do not want to receive a verification code or phone call each time you log in. If you prefer to input a confirmation code with each use, you can leave the box unchecked.

If you have your web browser set to clear your cache when closed, you may still be asked to enter a verification code even if the box is checked.

This error is present during the login process and typically means that your account has been locked. This can happen for a variety of reasons but is easily resolved. Please contact us at (800) 943-8488 or chat with us for assistance unlocking your account.

This error is present during the login process and typically means that your account information does not match our records. Please contact us at (800) 943-8488 to verify your information on record.

You can access SMB Online on a smartphone, tablet, and computer.

Your online banking safety and security is a top priority and we recommend that you use a modern, supported browser when banking online to make sure you're protected.

SMB Online only supports the latest versions of:

Please keep your browsers up-to-date to ensure safe browsing and uninterrupted access to online banking.

You can change your ID and password at any time in SMB Online. Click on your name from the bottom of your menu, go to Settings and select Security. Click on Edit next to Username or Password to make changes.

You may access your checking accounts, savings accounts, money market accounts, Certificates of Deposit, Individual Retirement Accounts (IRAs), loans, and lines of credit; on which you are a primary owner, joint owner, or co-signer.

Yes, you can send us secure messages right from your SMB Online. When viewing an account or transaction, you have the option to Ask us about this transaction making it easy to get your questions answered.

Items posted to your account and pending items are viewed in real time.

Account transactions can be searched by amount, date, etc. To search, go to your account transactions and select the magnifying glass icon.

When you create your online banking, you will have access to approximately one year of account activity. Your account history will continue to build from there.

View the Electronic Statement section below for statement history.

Your account and routing numbers are listed in the Account details of your account. Click on any of your accounts in SMB Online to view this information.

Simply find the check you'd like to view and click on the green image.

Select Accounts from your menu, scroll to the bottom of your account list, and click Organize accounts.

Click on the account you wish to hide, select Settings and toggle the slider off next to "Display in online and mobile banking".

When viewing your account activity, choose the download option next to the print icon at the top of the Transactions card.

You may transfer funds from checking, savings, money market accounts, or a line of credit*. Transfers can be made to a loan, line of credit, checking, savings, or money market account. Certificates of Deposits and Individual Retirement Accounts (IRAs) only have viewing capabilities.

* Ask your lender about online transfers from your line of credit.

You may make transfers 24/7. Any transfers made before 9:00 p.m. will be credited the same business day. Transfers scheduled on weekends or bank holidays will be credited the next business day.

We have multiple options for moving money to your accounts at another bank.

Find your card under Card management, toggle the slider to lock your card. This keeps your card locked until you turn it back on.

If your card is permanently lost or has been stolen, you may cancel your card by selecting Report card lost/stolen. Come into a branch or give us a call at (800) 943-8488 to request a new one.

When using your debit card out of state, the transaction may be flagged as unusual card activity, treated as potential fraud and declined for your protection. Notifying us of your travel plans before your trip lets us know you are in control of your card. You can notify us by clicking the airplane icon in your Card management and selecting Add travel notice. Enter your trip information and we'll know you are in control of your card.

Tap on your card in Card management and you'll see the option to Activate new card. Please make sure you have received your new debit card prior to activating it.

Alerts are unique for each account, so you can set the alerts to work best for you. To set up your alerts, click your account and choose Alert preferences. There is a Balance and a Transaction section. Choose + Add alert and fill out the details. You can choose to be alerted by text, email, and/or in-app message.

When using the SMB Online app, you can enable notifications on your device and get alerts sent to your lock screen.

To view your existing alerts, click your account and choose Alert preferences. Your existing alerts will be listed and each will have an Edit option. Choose Edit to change the amount, notification method, or remove the alert all together.

Bill Pay is a service that allows you to pay virtually anyone or any company from your checking account through your SMB Online. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

You can pay businesses and individuals with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, credit cards, and individuals such as a landlord, babysitter or relative.

Log in to your online banking from your browser and click on Payments. It will walk you through enrollment. Once enrolled, you can create new payees and schedule payments in your app.

Visit Payments and choose Pay a bill to get started.

Visit Payments and choose Pay a person to get started.

To access all pay a person options at setup, log in using your browser and visit your Payments Dashboard. Once the payee is set up, payments can be scheduled via app or browser.

Fees may apply.

Visit Payments, select the pending payment, click Edit. You can change the amount, date to be paid, and delete the payment all together.

When enrolling you can select more than one account to make payments from. To add another checking account not selected at enrollment, log in using your browser and go to your Payments Dashboard. Select My Account and choose + Add Account from the Pay from accounts section. We will verify you are an owner on the account and will notify you when the account is ready to use for payments.

Yes. To begin paying bills with Alexa, log in using your browser and go to your Payments Dashboard. Select My Account and choose + Add Alexa from the Voice bill pay section. It will ask you to create a password that will be used for the Alexa skill set up process only. You will need an account with Amazon, a mobile device with the Alexa app installed, and an Alexa enabled device to use this feature.

When logged in using your browser, select Pay a bill and choose Multiple or go to your Payments Dashboard.

Consumer bill pay is a free! There are some special services, such as rush delivery and our email pay a person option, that do include fees.

Click here to learn about Business Bill Pay  .

When scheduling a payment, select More options and choose Sends. A list will appear with available delivery options to choose from. Fees apply.

The funds for electronic payments will be withdrawn from your account on the date you specify as the payment date. For checks, the money will be withdrawn out of your account when the paid item is received by the bank, just like any other check you would write.

Payments are sent one of two ways – electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Paying bills through SMB Online is one of the safest ways to pay your bills. You have flexibility and control of your payments with real-time access to your payment activity. Only you can access your account information, account numbers, and payment history. It also helps guard against identity theft from lost or stolen checks.

Generally, your payment is received within 2 to 7 days, depending on whether it is sent electronically or via paper check.

When scheduling your payment, select More options. Click Frequency and choose from the options how often you would like the payment to be made. You can edit your recurring payments when needed.

Zelle is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes . With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

You can send, request, or receive money with Zelle. To get started, log into SMB Online and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle. If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your Southwest Missouri Bank account, typically within minutes¹.

It’s easy — Zelle is already available within the SMB Online mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

Not available for businesses.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Southwest Missouri Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Southwest Missouri Bank account so you can start sending and receiving money with Zelle through the SMB Online mobile app and online banking. Please call Southwest Missouri Bank customer support toll-free at (800) 943-8488 for help.

When you enroll with Zelle through SMB Online, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Southwest Missouri Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies Southwest Missouri Bank of the incoming payment. Southwest Missouri Bank then directs the payment into your Southwest Missouri Bank account, all while keeping your sensitive account details private.

Keeping your money and information safe is a top priority for Southwest Missouri Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your Southwest Missouri Bank account safe.

You can send money to friends, family and others you trust¹ even if they have a different bank or credit union.

Since money is sent directly from your Southwest Missouri Bank account to another person’s bank account within minutes^1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle.

These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your Southwest Missouri Bank account to another person’s bank account within minutes¹, Zelle should only be used to send money to friends, family and others you trust.

Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your SMB Online using just their email address or U.S. mobile number.

Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

In order to use Zelle, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at (800) 943-8488 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at (800) 943-8488 so we can help you.

We do not charge a fee¹ for using Zelle.

However, fees associated with text messaging may be assessed by your mobile carrier and data rates may apply. In addition, fees may apply if you use Zelle through another institution or through Zelle’s separate Transfer Service website or mobile app. We reserve the right to assess fees in connection with the Zelle in the future. If we do assess fees, we will give you reasonable notice as required by law and we may deduct any applicable fees from the funding account used for the transfer transaction.

The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Southwest Missouri Bank’s send limits, call our customer service at (800) 943-8488.

There are no limits to the amount of money you can receive with Zelle. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your Southwest Missouri Bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

Money sent with Zelle is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Southwest Missouri Bank customer support team a call toll-free at (800) 943-8488 or get in touch through our support page.

Pay a person payments allow you to send money electronically to family and friends via email, routing and account number, or by check.

There is a $1 fee per transaction when sending payment via email. It is free to send money electronically using the routing and account number and by mailing a check.

How do I send money using email?
Click on the Pay a person in your SMB Online. Select + Add a person and enter their name and email. You will create a keyword at that time. They'll receive an email and will be asked for the keyword. Once they enter the keyword, they'll be asked to enter their account and routing number using a secure site. This is a one-time step and once they've entered their account information, you can send payment to them electronically anytime you need. The recipient will just receive an email notifying them that you're sending them money. No action is required on their part.

There is a $1 fee per transaction when sending payment via email.

To create this payee, you'll need to first log in using your browser and go to your Payments dashboard. Select + Payee and select Pay a person. Choose Direct deposit (Electronic) from the options and follow the simple steps.

The payment will be sent electronically with no action required on the recipient’s part.

Electronic pay a person payments are received within 1-2 business days.

To create this payee, you'll need to first log in using your browser and go to your Payments dashboard. Select + Payee and select Pay a person. Choose Check from the options and follow the simple steps.

The check will be mailed to the address provided and the funds will be withdrawn from your account when the recipient cashes or deposits the check.

Deposit allows you to deposit checks from your SMB Online app – anywhere in the United States. To make a deposit, simply take pictures of the front and back of an endorsed check.

Checks must be endorsed with “Mobile Deposit Only” followed by your signature.

We have Business Mobile Deposit available!

 

All you need is your iPhone, iPad, or Android with our SMB Online App. Make sure you have the latest version of our app.

Deposits submitted before 5 PM CST on a business banking day will generally be available the next business day.

You can deposit personal and payroll checks, money orders, U.S. Treasury checks and travelers checks made payable to you and drawn on a bank within the United States. International checks, U.S. savings bonds, convenience checks (checks drawn against a line of credit), third party checks, joint payee checks, and cash are not eligible for Mobile Deposit.

How many checks can be deposited at a time?
Only one check per deposit. This is because each check is considered a separate deposit. However, you can make multiple deposits in a single mobile session. You may deposit up to three checks, totaling no more than $1,500 on any given banking day and up to 10 checks totaling no more than $5,000 in any given month.

No. You will only need to take a picture of the front and back of the check being deposited.

You’ll receive an email confirmation that the deposit has been approved. The check will be posted once the deposit has processed.

After you complete your transaction, hang on to your check for 60 calendar days to make sure it clears with no issue – then destroy it.

Occasionally, deposits can be rejected. When that occurs there are specific reasons for rejecting the deposit. These reasons can include:

There is currently no charge for use of Mobile Deposit.

Click on your account and choose Statements & Notices to begin the enrollment process. You must have an email address to receive electronic statements.

Click on your account and choose Statements & Notices. You will see a dropdown with accounts to view and a list of electronic statements and notices available. You will receive an email notifying you each time you have a new statement available.

No, when you enroll an account for electronic statements, you will no longer receive a paper statement for that account.

Each account owner can sign up and receive electronic statements.

An additional recipient can also be added by an account owner to receive statements - accountant, bookkeeper, etc. To add an additional recipient, access your Statements & Notices and select Additional Recipients. You will create a username and PIN for them to use to access the statements.

Your electronic statements can be accessed for 18 months. From the time you sign up, you begin building your statement history.

No, electronic statements are accessed from within your SMB Online banking.

To update your email, access your Statements & Notices and choose Email settings.

Visit our SMB Rewards page to find out!