Click here to nominate a local hero today! They could win $250 for the charity of their choice in our Better Your Community contest.  


New & Improved Digital Banking

Banking Made Better!

   ENROLL NOW            Money Manager   

Download Digital Banking QuickStart Guide

            Download First-Time Login Guide            

Our new Digital Banking platform has the tools to improve your online and mobile banking experience for a seamless customer experience across all devices - phone, tablet or computer. 

How to Enroll in Digital Banking

If you were already using our previous online and mobile banking, you'll just login using your same username and password. However, if you are new, you can enroll in our NEW & IMPROVED Digital Banking by clicking here. You will be asked to verify your identity by providing your Social Security Number (SSN), account number, email address and phone number. You can also enroll directly in the mobile app.







In addition to all of the basic features, you will now be able to pay your Better Banks loan and transfer money to other Better Banks customers all from the same digital platform.

  • View account balances and check images
  • Monitor and search transactions quickly
  • Move money between your Better Banks accounts and your external accounts
  • Review, download or print up to 18 months of eStatements
  • Pay your Better Banks loan
  • Pay bills and people 
  • Stop payments on checks
  • Deposit checks with the mobile app


With external account transfers you can add your checking and savings accounts from other financial institutions to your digital banking to make transfers and payments.



You can easily personalize your digital banking for an improved experience. Your account dashboard allows you to drag and drop account tiles to keep what’s important to you front and center.


Our new Money Manager also allows you to connect deposit accounts, loans, retirement accounts and credit cards from other financial institutions so you can view your total financial picture all from one place so you can get a better understanding of your net worth, total cash flow, and even generate a budget to fit your financial needs. You’ll have the ability to easily track your spending, categorize transactions and find savings opportunities, as well as view your spending trends. 


You can easily set up recurring transfers and payments. With our new digital banking, you’ll have more tools than ever to help you save time.

  • Move money automatically with a recurring transfer to your savings or checking account
  • Transfer money to a child or your spouse’s account on a regular basis 
  • Schedule your loan payments in advance
  • Pay bills and people 

Our new digital banking has added features for an even more secure banking experience online.


When logging into your digital banking you now have multi-factor authentication. You are asked to enter your user ID and password, along with a secure access code. Your secure access code will be delivered to you based on the secure delivery option you choose – phone call, text, or email. This code will only be delivered to the contact information we have on file for your account. You can choose an option to "register this device" and you won't be prompted for this code again, unless you log in from a different device, or clear your local cache that stores these settings.


You can set up customized balance and transaction alerts. Get notified when a check clears or if your account balance dips below a certain amount. You can even set up recurring reminders so you never forget when an annual bill is going to hit your account. 

Enroll today and get started!

   ENROLL NOW         



  • What You Need to Know

    Here’s what you need to know:

    • Your username and password for online and mobile banking will stay the same.
    • Our mobile app will automatically ask you to download the new version.
    • If you use bill pay, your existing bill payments and payees will automatically appear in the new system.

    What browsers are supported?

    We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*. 

    Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform. 

    To download the latest browsers, click the links below:

    Google Chrome:


    Microsoft Edge:

    *Safari is not available for Windows access. To find out more information, visit:

  • Signing In for the First Time

    Online Users: Click on the Account Login button on our home page to get started.

    Mobile App Users: You will be automatically prompted to download the new Better Banks app from the App Store or Google Play.

    All Users:  

    • Enter your existing Username and Password to sign in.
    • Enter your email address and a phone number where you can receive a text or phone call to obtain a verification code.
    • Select how you would like to receive your verification code from one of three options.
    • Enter the 7-digit verification code received and click Verify.
    • Review the User Agreement and click Accept.
    • You will be taken to your new Dashboard to begin your new online banking experience!

    If I have multiple Online Banking accounts will I have to log in to each account with the usernames and passwords for each account separately?

    With our new mobile app, you can sign into multiple user profiles and quickly switch between them using a PIN instead of entering a username and password. If you add more profiles to your mobile app, you will need to set up two-factor authentication (2FA) for each of them.

    How do I add additional login profiles to my mobile app?

    • From the top of the menu bar press the person icon next to your profile name.
    • Select Add profile.
    • Sign in to the second profile.
    • If prompted, answer the security question. If not, continue to the next step.
    • If prompted, complete the profile information in the form, and then select Done.
    • Enter a PIN for the new profile.
    • Confirm the PIN for the new profile.

    How do I switch between profiles on my mobile app?

    • From the top of the menu bar press the switch icon next to your profile name.
    • Select the profile you wish to log into.
    • Enter the PIN or use the fingerprint authentication if prompted.

    What browsers are supported?

    We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*. 

    Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform. 

    To download the latest browsers, click the links below:

    Google Chrome:


    Microsoft Edge:

    *Safari is not available for Windows access. To find out more information, visit:

  • The Two-Factor Authentication Process

    What is two-factor authentication?

    Two-factor authentication is a security feature that helps safeguard your account information. To implement 2FA, you will need to enroll an email address and a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code: 1. Text message to the mobile phone entered, 2. Automated phone call to phone number entered, or 3. Authenticator App (download the Authy app here).

    After entering the verification code, if you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.

    How does the phone call verification process work?

    If you select to receive a phone call (cell phone or landline), you will enter a single specific digit, as directed, before the verification code is provided.

    If you do not answer the phone call, please note that a second call will not be made automatically and the system will not leave codes on voicemail. Therefore, if you do not answer the authentication phone call, you will need to select the option to have the code re-sent. (Note: The “from” phone number may be listed as coming from anywhere in the US.)

    What should I do if I did not receive a verification code to continue with the two-factor authentication enrollment?

    Please be sure the phone number you entered is correct. If it needs to be changed, contact Better Banks at 309.272.1000.

    How much time do I have to enter the verification code?

    Codes are valid for three to six minutes and will expire after that time.

    Can I lock myself out from entering an incorrect verification code?

    Yes, you can get locked out of the enrollment process if too many attempts are made with an incorrect verification code (more than six times in a single hour). There is no manual reset for this; you will need to wait an hour to try again following your first attempt. If you make more than 20 unsuccessful attempts in a 24-hour period, your login will be 'Suspended' and you will not be able to attempt again for 24 hours. If you have questions or need additional assistance, please contact Better Banks at 309.272.1000.

    If I selected “Remember this computer,” why am I being asked for a verification code each time I log in?

    There are several reasons you may be prompted for a verification code:

    • if you log in on different browsers
    • if you deleted your browser history
    • if you have your browser settings set to delete your cookies and history automatically

    Can I receive the two-factor authentication verification code via email?

    No, this option is not available. The code can be received using one of the following options:

    • Text message
    • Phone call
    • Authy App (A third-party app that generates a one-time passcode. To register you will need an email address and phone number.)

    How can I reset my two-factor authentication enrollment?

    You can reset your own two-factor authentication enrollment in both the app and online by going to your Profile page, then select ‘Security’ within the ‘Settings’ area.

  • Your Dashboard

    After successfully signing in, the first screen you see is your Dashboard. A list of your accounts is presented at the top. To view all accounts on one screen, select “View All.” Beneath your account listing, Quick Actions are presented (Transfer, Pay, Deposit, Message). Under the Quick Action icons you will find Transactions, Payments, Transfers, etc.

    Can I reorganize my dashboard?

    Yes, at the bottom of the dashboard, click “Organize dashboard” to drag and drop, delete or add information.

    The dashboard activity displays transactions from all my accounts. How can I find account-specific information?

    Once in the specific account you wish to review, simply click “Transaction.” 

  • Managing Accounts and Transactions

    How do I set up an account alert?

    Select the account you would like to add an alert to and then select “Alert preferences.” You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.

    Why are transactions labeled as pending?

    Transactions appear as pending until they are completely processed.

    Can I view my statements?

    Yes. To view your statements, choose the account you’d like to review and select “Statements.” If you are currently not signed up to receive statements, you have the option to enroll at the top of the screen.

  • Payments and Transfers

    Will my scheduled payments and bill payees continue in the new app?

    Yes, all scheduled payments and bill payees will continue to be available.

    Will my scheduled or recurring transfers continue in the new app?

    All scheduled and recurring transfers between Better Banks accounts will continue.

    How do I transfer money between my accounts?

    Select the Transfer icon. Then choose the account you want to transfer From and To. Eligible internal and external accounts will be listed. Transfers completed after 4:00pm will be processed on the next business day.

    What are the cutoff times for transfers?

    The cutoff time for transferring funds between Better Banks accounts is 4:00pm for each business day. External, or Bank-to-Bank, transfer cutoff time is 4:00pm each business day.

    Can I add a memo line to a transfer?

    A memo line can be added to an immediate transfer. It cannot be added to recurring or future-dated transfers.

    Why am I unable to add a memo to recurring or future-dated transfers?

    Memos are not an option for recurring or future-dated transfers; however, you can add a “tag” to transactions that will appear after the transfer posts to your account.

    Can I make a person-to-person transfer?

    Yes. The recipient’s phone number and e-mail address are required. On your desktop, select “Pay a person” from the Payments box, or select the “+” at the top of the “Payments” box from your mobile app and then choose “Add a person.” You must then select a Keyword that you will share with that person. After submitting the information, confirm your password to continue the process. After sharing the keyword with your payee, they must then activate their account so you can send payments. You will receive an e-mail notification when the payee has activated their account.

    Will I be able to delete transfers once they have been submitted?

    No, internal and external transfers cannot be deleted once submitted. If a transfer was submitted mistakenly, a new transfer will need to be set up to move the funds back.

    How do I make a loan payment?

    Select the Transfer icon and choose the checking or savings account you want to make your payment from. Then select your loan account to transfer to. To schedule a recurring payment, select “More Options” to schedule frequency and date. Transfers completed after 4:00pm will be processed on the next business day.

    Can I set up automated loan payments?

    To schedule a recurring payment or a future-dated payment, select “More Options” to schedule frequency and date.

    How can I view an estimated payoff for my loan?

    An estimated payoff is shown in the Account Details. This payoff estimate may not include additional fees and other charges that have accrued, such as escrow. For a final payoff amount, please contact Better Banks at 309.272.1000.

  • Better Banks Mobile App FAQs

    Are there device requirements to access the mobile app?

    Yes, the mobile app is compatible with iPhone and iPad devices running iOS version 11 or newer, and Android phones and tablets with version 5.0 or newer. Devices must have access to the internet.

    How much does the Better Banks mobile app cost?

    There are no fees to download and use the Better Banks mobile app; however, connectivity and usage rates may apply. Contact your wireless service provider for more details.

    Do I use the same user ID and password for the mobile app as I would for online banking?

    Yes, you will use the same user ID and password that you use to log into online banking.

    If I forgot my password, can I reset it within the app?

    Yes, you can easily reset your login credentials by clicking on the ‘Forgot?’ link on the mobile app.

    How do I sign out of the mobile app?

    You will automatically be signed out once the swipe or close the app. Each time you access your app, you will be required to enter your passcode, use your fingerprint or utilize the facial recognition feature in order to log in again.

    Can I pay bills or a person in the app?

    Yes, you can easily add payees, edit payees, and submit payments using the app.

    Is there a fee to use mobile deposit?

    No, mobile deposit within the Better Banks app is free.

    Are there any limitations with using mobile deposit?

    Yes, there are daily and monthly limitations to the number and dollar amounts that can be deposited through a mobile device. Contact Better Banks 309.272.1000 for specific details.

    When I make a mobile deposit, why doesn’t the app automatically take a picture?

    The auto capture feature is not currently available, but we are actively working to offer this as soon as possible. When taking pictures of a check, make sure you're in a well-lit area and the check is placed on a darker surface for contrast.

    What happens if I lose my phone or device?

    For security purposes, your account data is not stored on your phone. Your information cannot be retrieved.

  • Intuit® Financial Software or Third-Party Aggregators

    Does Better Banks offer connections with Intuit financial software, Quicken and QuickBooks?

    Yes, if enrolled for Online Banking, you can connect to your personal accounts through Quicken financial management software—or if you are a business, through QuickBooks account management software.

    What is Web Connect?

    Web Connect allows you to download your transactions directly from within Online Banking and import them into Quicken / QuickBooks. Express Web Connect/Quicken Connect are methods for Quicken to communicate with the bank directly on your behalf to download transactions. Once the bank account login is setup in Quicken, the software will download transactions for you.

    How do I connect to Quicken or QuickBooks?

    When activating through the software, search for ‘Better Banks’ to use Web Connect. You will be required to enter your Online Banking username and password, and then select the accounts to be linked.

    I am unable to connect my accounts with Quicken / QuickBooks, who should I contact?

    If you were previously connect to Better Banks with Quicken or QuickBooks, you may need to disconnect and reconnect to re-establish connectivity.  Below are helpful links on how to do this.

    Questions about Intuit products and features should be directed to Intuit support: 1-800-446-8848.

    Will my third-party aggregators, such as Mint, Acorn, etc., still be able to access my online banking accounts?

    If this connection is not working properly, please inform your provider that you are having issues so they can work to correct it on their end.