Apply online today. To access Online Banking, you must first apply. The application process requires the following information:
SSN or TIN
Mother's Maiden Name
Your Email address
Date of Birth
Please complete the online banking application. Print the application, sign it and bring it in to your nearest Grand Mountain Bank branch. Respond to the email that you receive from us. After we have processed your submitted application, we will notify you via e-mail of your acceptance or denial.
A: The safety and security of your personal information is important to Grand Mountain Bank. Once you have applied for Online Banking access, we review your application to ensure your identity has been validated during the application process and to ensure your accounts are properly linked to your Online Banking profile. You will receive a series of status emails, which are sent to the email address you provided during the application process. Grand Mountain Bank will notify you via email when access has been granted.
A: For your protection, if you - or someone trying to access your accounts - enter an incorrect password three times, we disable your Online Banking access. Please contact us at 970-887-1221 during business hours to have your password reset and security enabled. If you prefer, you may call or stop by any Grand Mountain Bank branch during business hours.
A: For your protection, we ask you to contact us to have your username reset. Please call our Online Banking support toll free at 970-887-1221 during business hours. If you prefer, you may call or stop by any Grand Mountain Bank branch during business hours.
A: To change your password, log into your account using your existing password. Once you are inside your account, go to the Account Services menu and select "Change Password", where you will be prompted to provide your old password and to type a new password. If you do not know your existing password, refer to the "What if I forget my password?" Q&A.
A: Below are best practices for safeguarding your account:
Do not leave your account information out in an open area or on your computer screen accessible by others.
Do not send your Access ID or Password or privileged account information over any e-mail system.
Do not leave your Computer unattended while you are connected to Online Banking.
Do not enter your Access ID or Password into Online Banking when there are others nearby who could observe you doing so.
We recommend that you log out of Online Banking and close your browser completely after each session and/or clear cache and history.
We recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
A: No special hardware or software is required to use Online Banking. All you need is a computer, modem and access to the Internet. Our site is best viewed using the most current Netscape Navigator or Microsoft Internet Explorer web browser. As Netscape and Microsoft release updated browsers, this site will evolve with their advancing technology.
To help ensure security, we recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
A: To help ensure security and proper functionality, you must use a browser that meets or exceeds the following requirements:
We support browser versions Netscape Navigator 4.7 and Microsoft Internet Explorer 5.0 or higher. We recommend Netscape Navigator 7.1 and Microsoft Internet Explorer 6.0 with the latest service packs to take full advantage of the system.
A: Online Banking resides on a secure server and Grand Mountain Bank uses encryption technology to ensure the safety and integrity of your account. In addition, we have implemented an additional layer of protection for our customers called Multi-Factor Authentication (MFA). MFA offers additional protection by requiring customers to provide a different combination of information for online access to accounts. In order to access any account via Online Banking, the user needs a login password. Therefore, we strongly advise that you do not write your password down or give it to anyone that is not on your account.
A: Encryption is the process by which data or information is converted into private or secret code that cannot be deciphered. This ensures secure transmission by preventing any non-authorized party from reading or changing data. Information is decoded only when it reaches its destination.
A: Your account should be fine. As soon as you are able to re-access your account, you should verify any transactions you may have attempted to make were completed by reviewing your account history and balances. It may be necessary for you to resubmit any transaction you were in the process of completing when the interruption occurred.
A: It's important to remember to always logout of your account whenever possible. However, if you do forget to do so, the system will "expire" your session. After 15 minutes of inactivity, the system will not allow any further inquiries or transactions and you will be asked to login again if you, or anyone attempts to do so.
A: In order to make your online banking experience as secure as possible, we are requesting all customers complete a security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected, we will verify your identity.
As our customer, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity so that we can ensure it is you and not a fraudster attempting to comprise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information.
For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.
A: Yes. You may opt out three times before the system will require you to enter the requested information. This includes choosing several security questions that only you know the answers to, as well as supplying phone numbers where you can be reached while banking online. Once this occurs you have added a layer of protection to your account.
A: Uncharacteristic or unusual behavior is anything that appears out of the ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
A: The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your accounts, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to be really you.
A: You only need to complete the set-up process once; afterwards the new security system will work automatically. That means you are being protected every moment - when you are online and more importantly when you are not. Occasionally you will see this symbol to remind you that you are being protected:
A: If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information or cannot be reached on the phone, the activity would be blocked. This added layer of security helps us protect your online account at all times.
A: It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn't make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.
A: We are glad to hear you use antivirus software and a personal firewall. Be sure that you keep both programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This Multi-Factor Authentication security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs as an added layer of security for your online banking transactions.
A: Transactions such as transfers and loan payments are posted to your account instantaneously and will be confirmed online. When paying by check through Bill Pay a check is created and mailed to payee. The payee should be in receipt of this of this within 7 - 10 business days. Once the check is desposited the funds are then withdrawn from your account. All bills paid to electronic payees are sent and paid via ACH. Please allow 3 business days for the payment to be received by your payee.
A: No. You will not receive receipts for your transactions. However, because account information is updated immediately, you should be able to verify transactions by reviewing your account balance history.
A: Account information is updated immediately. This allows you to verify your transaction by reviewing your account balance history to see if it is reflecting your transaction as having been processed. All transactions will appear on your Grand Mountain Bank paper statement as well.
A: Yes and no. You can reverse a transfer within the same account number by simply transferring the funds back. Loan payments and Bill Pay CANNOT be reversed. You can cancel a pending bill by selecting Inactivate from the Edit Bill screen. To keep the bill active but not scheduled, simply select Un-schedule from the Edit Bill screen.
A: There is no limitation specific to Online Banking. Keep in mind, however, that some Grand Mountain Bank transactions, products and services are subject to their own limitations and terms. For example, Federal Regulation D requirements are such that, you may make a maximum of six (6) preauthorized, automatic or telephone transfers per monthly payment cycle on a savings or money market account. No more than three (3) of the six (6) transfers may be made by check, draft, debit or similar order made by you and payable to third parties, including point-of-sale transactions.
A: Yes. Once you have logged into your account, go to the Account Services menu and click on "Single Stop Payment". This is where you can place a stop payment on a check. Have your information ready, as you will be required to provide specific information regarding the check on which you want to place the stop payment. You can also perform a Range Stop Payment on a range of checks.
The standard stop payment fee of $20 will apply We require a signed stop payment form
A: Yes, you can transfer between the accounts listed in your Accounts List, with the exception of certificate accounts. If you do not see all of your accounts, please contact customer service during business hours. We can be reached either by e-mail or by phone at 970-887-1221.
A: Once you have been granted Online Banking access, you may apply for our online Bill Payer service. To apply, go to the "Bill Payments" menu and select "Apply for Bill Payer". You must first agree to the terms and conditions outlined in the Online Banking Agreement.
A: At this time, you cannot set these services through Online Banking. Please contact your employer to set up direct-deposits / payroll deductions to be deposited into your Grand Mountain Bank account(s).
A: The principal and interest breakdown of your current payment due can be located on the Account Snapshot screen within Online Banking. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the principal and interest breakdown. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: The YTD Interest can be located on the Account Snapshot screen within Online Banking. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the YTD Interest. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. For purposes of IRS tax returns, refer to your annual 1098 year-end statement. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: Your payment due date can be located on the Account Snapshot screen within Online Banking or on your paper statement. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the payment due date. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: Yes. You can make a loan payment by transferring funds from your Grand Mountain Bank checking, savings or money market accounts to your loan account. To make a payment, go to the "Payments & Transfers" menu and select the type of loan payment you would like to make. You may make a monthly loan payment, a principal only payment or pay your Line-of-Credit account to a zero balance.
A: There is no fee charged to you for making your payment online from your Grand Mountain Bank account. However, please refer to your Promissory Note for paydown limits and prepayment fees. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: You can view the Account History screen to determine when your last payment was posted to the account. To view the Account History screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the payment due date. This will automatically take you to the Account History screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: The balance of your loan can be located on the Account List screen. You will see the Account List immediately upon logging into Online Banking. You may also view the Account History and Snapshot by clicking on the loan in the Account List screen. Please note, this is not the payoff amount. If you have any questions or wish to payoff your loan, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: Please refer to your Promissory Note for any prepayment provisions which may apply to your loan. If you have any questions, you may contact our Loan Service department during business hours toll free at 970-887-1221.
A: At this time, an amortization schedule is not available to you within Online Banking. You may contact our Loan Service department during business hours toll free at 970-887-1221 for further information.