Resources
FAQs

How do I use Digital Banking?

Visit our How-To Hub for interactive demos and helpful videos.

What do I need to get started with Digital Banking?

To use Digital Banking for personal accounts, you must have at least one deposit or loan account at Minnwest Bank, a computer, tablet or mobile device and access to internet service.

How current is the information shown in Digital Banking?  

Balances shown are as of the close of business for the prior business day adjusted for any current business day transactions. Balances may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks or other withdrawals, payments or charges.

Which browsers are required?

We recommend that you use the most current supported version of your preferred web browser. We require that your browser use 128-bit encryption to ensure your accounts remain safe and private online. 

Can I download information to my financial management software?

Yes, you can export to the leading personal finance management software packages available today, including Quicken^® and QuickBooks^®. You may even convert your data into a comma-delimited file. We support the three most current versions for Quicken, QuickBooks for Windows and QuickBooks for Mac.

How do I download the mobile app?

Search for Minnwest Bank in the Apple App Store^® or on Google Play™ and download it on your smartphone or tablet. We currently provide two apps: one for personal banking, and another for business banking. 

Then you simply log in with the same username/Login ID and password that you use for Digital Banking.

Third party message, data, and/or internet service provider rates may apply.
Apple^® and App Store^® are registered trademarks of Apple Inc.
Android™ and Google Play™ and the Google Play logo are trademarks of Google Inc.

What is Digital Wallet?

A digital wallet is just as it sounds – it’s your wallet but in a digital format so you can make payments without having your Minnwest Bank debit card with you physically. Digital wallets allow you to make a purchase in a store, in an app or even on a website with a participating merchant all with a compatible phone.

What are some of the key benefits of Digital Wallet?

• Simple – Digital Wallet payments are accepted at a growing number of merchants, in-apps, or online.
• Fast – no more fumbling and forgetting your card – your Digital Wallet is ready for use.
• Hygienic – Cleaner than touching payment terminals or handing out your card.
• Secure – your card number is never exposed to merchants, keeping your transactions safe.

Is Digital Wallet safe?

Yes. Digital wallets utilize security features that are built into your device to protect your payment transactions. Additionally, you will be required to authenticate yourself before the transaction can be processed. Depending on your device type, the authentication step may be completed using your fingerprint, facial recognition, passcode or PIN. The Digital Wallet providers do not store or have access to your full account number as they are only provided a unique one-time passcode, known as a token, to provide to the merchant to complete the transaction. The last four digits of your card number is displayed on the card image within the wallet for the purpose of helping you manage your card(s).  

For more information on the security features enabled by each digital wallet provider, please click on the links below to visit their website:

Apple Pay Security

Google Pay Security

Samsung Pay Security

What is a token and tokenization?

Your payment card information, such as the 16-digit primary account number found on your card, is replaced with a randomly-generated value (token) that can be securely stored on your device and used to make purchases. Your account numbers are not stored on the device, on Apple or Google servers or with the merchant. This helps to reduce the potential for fraud.

The tokenization process is invisible to you and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications "in-app" or at the point-of-sale.

What types of Minnwest Bank debit cards can be used with Digital Wallet?

Customers can add their Minnwest Bank personal debit card and/or their Minnwest Bank business debit card to a Digital Wallet. HSAs are not tokenized and will not work with Digital Wallet.

Where can I use my Digital Wallet?

You may use your digit wallet at many different merchants. Digital Wallets are also accepted in many apps and on participating websites with your computer, phone or tablet, depending on the compatibility of the devices. Use your Minnwest Bank debit card to make purchases with your Digital Wallet anywhere you see these logos or contactless payment symbol:

How do I enable my Minnwest Bank debit card with Apple Pay?

To add a Minnwest Bank debit card to Apple Pay, follow the prompts on your device to complete the enablement process. However, the steps below are generally the process required to complete:

1. Open the Wallet App on your Apple device.
2. Tap the blue plus sign at the top right-side to add a new card.
3. Add your Minnwest Bank debit card by entering the card information (your phone may prompt you to capture the image of the card to add the card information automatically).
4. If you are asked to verify your card, select a verification method from the list and follow the prompts.
5. In some cases you may need to call us to complete your enrollment. If you are prompted to contact the Bank, call the number provided on your device to verify your card and complete your enrollment in Apple Pay.

For more information on how to add a card on your device, click on the links below to navigate to the Apple website.

Instructions

Demo

How do I enable my Minnwest Bank debit card with Samsung Pay?

To add a Minnwest Bank debit card to Samsung Pay, follow the prompts on your device to complete the enablement process. However, the steps below are generally the process required to complete:

1. Find the pre-installed app, or download the Samsung Pay app from Google Play onto your Android device.
2. Launch the app and sign into your Samsung account, then tap “Add a debit card.”
3. Add your Minnwest Bank debit card by entering the card information (your phone may prompt you to capture the image of the card to add the card information automatically).
4. If you are asked to verify your card, select a verification method from the list and follow the prompts.
5. In some cases you may need to call us to complete your enrollment. If you are prompted to contact the Bank, call the number provided on your device to verify your card and complete your enrollment in Samsung Pay.

For more information on how to add a card on your device, click on the links below to navigate to the Samsung website.

Instructions

How do I enable my Minnwest Bank debit card with Google Pay?

To add a Minnwest Bank debit card to Google Pay, follow the prompts on your device to complete the enablement process. However, the steps below are generally the process required to complete:

1. Download the Google Pay app from Google Play onto your Android device.
2. Launch the app and tap Get Started or Menu, then tap Add Payment Method.
3. Add your Minnwest Bank debit card by entering the card information (your phone may prompt you to capture the image of the card to add the card information automatically).
4. You will be asked to verify your card. Select a verification method from the list and follow the prompts.
5. In some cases you may need to call us to complete your enrollment. If you are prompted to contact the Bank, call the number provided on your device to verify your card and complete your enrollment in Google Pay.

For more information on how to add a card on your device, click on the links below to navigate to the Google website.

Instructions

Demo

Which devices are compatible with Apple Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Apple Pay website can be accessed by clicking on the link below:

Apple Pay

Which devices are compatible with Samsung Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Samsung Pay website can be accessed by clicking on the link below:

Samsung Pay

Which devices are compatible with Google Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Google Pay website can be accessed by clicking on the link below:

Google Pay

How do I make a purchase with my Minnwest Bank debit card in a Digital Wallet?

The process for completing transactions using a Digital Wallet varies depending on the wallet enabled-device you are using, and the specific wallet used. The general process includes these steps:

To make a purchase in-store at a terminal that accepts your Digital Wallet for payment, hold your device near the terminal. You will be required to authenticate yourself with your fingerprint, facial recognition, a passcode or PIN, depending on your device. Once authenticated, the transaction will take just a second to process and will notify you when it has been completed (notification may be through a noise, a graphic on the screen, device vibration, etc).

When making a purchase in an app that offers digital wallets as a payment option, locate the Digital Wallet icon at checkout. After clicking the icon, you will have the option to select a different card, shipping address and contact information. The total charge amount will also be displayed. If all the information looks correct and you want to finalize the transaction, complete the transaction by authenticating yourself with your fingerprint, facial recognition, password or PIN, depending on how authentication is set up on your device.

For more information about how the purchase process works on your specific device, please visit the digital wallet provider’s website by clicking on the appropriate link below:

Can someone have more than one card in their Digital Wallet?

Yes. Just like a physical wallet, you can have multiple cards added to your Digital Wallet. When you open your Digital Wallet app, you will have the option to select the card you wish to use for your purchase.

Can I add my Minnwest Bank debit card to multiple devices?

Yes. You can add your Minnwest Bank debit card(s) to multiple Digital Wallets.

Once I add my Minnwest Bank debit card to a Digital Wallet, can I still use the physical card for purchases?

Yes. If you add your debit card to a Digital Wallet, your physical card can still be used like it is today.

I changed phones. Do I need to re-register my Minnwest Bank debit card in my Digital Wallet?

Yes. If you change your device, add your card to your Digital Wallet following the same steps as if you were setting it up for the first time.

What do I do if I lose my Minnwest Bank debit card?

If your card is lost or stolen, please contact your local branch or call us at 1-844-MINNWEST. You can remove the card you added to the device within your Digital Wallet app. Once you receive a new card, add your new card to your digital wallet following the steps you utilized the first time setting it up.  

If my card is reported lost or stolen, can I still use my Digital Wallet to make purchases using my Minnwest Bank debit card?

No. If your Minnwest Bank debit card is cancelled, it cannot be used to make purchases within your Digital Wallet. Once you receive your replacement card, add your new card to your Digital Wallet following the same steps as if you were setting it up for the first time.

If I lose my device, can I still use my physical Minnwest Bank debit card for purchases?

In the event of a lost device, you may want to contact your service provider to suspend your service for that device. You can still make payments using your physical Minnwest Bank debit card. If you would like to cancel your card and order a replacement card, please contact us.

What should I do if I need help?

If you have any questions regarding your Minnwest Bank debit card, please contact us at 1-844-MINNWEST (646-6937).

Resources:

For more information regarding your Digital Wallet, please visit your Digital Wallet provider’s website by clicking one of the links below:

Apple Pay Website https://www.apple.com/apple-pay/

Apple Pay FAQ https://support.apple.com/en-us/HT201469

Google Pay Website https://pay.google.com/about/

Google Pay FAQ https://support.google.com/pay/?hl=en#topic=7625138

Samsung Pay Website https://www.samsung.com/us/samsung-pay/

Samsung Pay FAQ https://www.samsung.com/us/support/owners/app/samsung-pay

Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

What type of accounts can I transfer funds between?

You can make internal transfers between your own checking, savings, personal line of credit or HELOC accounts. You can also use the Transfers feature to make a payment to your Minnwest Bank loan. 

Digital Banking gives you the ability to transfer funds to your accounts at other financial institutions. Simply set up an "external transfer" to take advantage of this convenient feature. 

Is Digital Banking safe and secure?

Yes! It features password-controlled system entry, multi-factor authentication for unregistered devices, Transport Layer Security (TLS) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

You can help safeguard your information and the system by protecting your username/Login ID and password. Memorize them and keep them secure. Learn more about how to guard against identity theft.

Are there rules and guidelines concerning passwords?

Yes. You select your password and can change it at any time. As a best practice, you should not use passwords associated with commonly known personal identification such as Social Security number, your name, names of children, dates of birth, etc.  

For more detailed information regarding security, please review our Security Statement.

Click here to replenish your checks quickly and easily. No credit card required.

Get immediate access to financial information you need most often with free MoneyLine telephone banking. Just call 1-888-616-BANK (2265) anytime 24/7.

• Get current balance info on checking and savings accounts
• Get current loan balance and payment information
• Inquire about a specific check
• Transfer funds between checking and savings accounts
• Report lost or stolen cards

Looking for the Minnwest routing number to use for automatic payments or direct deposit? Find it anytime by looking at the first nine digits in the lower left of your paper checks, or reference it here: 091915845

You can correspond securely with our customer service team within Digital Banking. Visit our How-To Hub for step-by-step examples.

How can I open an account online?

Click on Open An Account at the top of the Minnwest Bank website or visit an applicable product page on our website and click OPEN NOW to begin your application. Applications can be submitted online for the following account types:

• Classic Checking
• Preferred Checking
• Platinum Checking
• Digital Checking
• Digital Certificates of Deposit (CDs)
• Thrift Savings
• Money Max Savings

Only personal accounts can be opened online at this time.

Who can submit an application online?

Both current and non-Minnwest Bank customers 18 years of age or older can apply for an account online. Minors can apply online but one applicant on the account must be 18 years or older. New customers must reside in the United States. The account must be used for personal use only.

What do I need to open an account online with Minnwest Bank?

You will be asked for your U.S. Social Security number, a government issued ID (driver’s license, passport, state or military ID), and funds to open your new account. You will also need to provide personal information, such as your date of birth, current U.S. residential address and email address.

What information do I need to open a joint account?

You’ll need the same information that’s needed when opening an individual account (please reference the above list), but you’ll need it for both applicants. Please note that each applicant will need to sign the application.

Is a minimum deposit required to open an account online?

Yes. Please refer to our account select page for product minimums. 

How much can I deposit into my new account?

Initial funding limits vary by type of account. Please refer to the funding page for these limits when you are opening your account.

After I submit my application, how long will it take to open my account?

Your account may be opened immediately or up to 2 business days after you complete online account opening. We’ll send you an email letting you know if your account is opened and any next steps.

How soon will my account be funded and available for use?

Your new account may show a zero balance in online banking until it is funded.  The funding process may take 1-4 business days based upon the funding method that you chose and the transfer speed from other financial institutions.

Where do I view my application status, account opening documents, access an approved application account number or view previously signed documents?

This information is available on the My Applications page, which can be accessed by clicking here. You will need to login using your Social Security Number and Mother’s Maiden Name.

How do I get online access to my account?

If you have not enrolled yet in Minnwest Bank’s Online Banking, please visit this page to get started.

Can I save my application and complete it later?

Yes, if you need more time, you can save what you’ve already entered and complete the account opening later. To save what you have already entered, you’ll need to select Save and Continue later at the bottom of your application. When you are ready to complete your online account opening, either follow the link the email sent to you or access your saved work here. If there is no activity within 90 days, your application will be cancelled. 

How long does it take to receive my debit card/checks?

You will receive your debit card and/or checks within 7–10 business days after your account has been funded.

Why didn't I receive an email after starting and/or submitting an online application?

Please check your spam mailbox for an email from Minnwest Bank for next steps. 

Who do I contact if I need help?

If you have any questions during the account opening process, please contact us by phone at 1-888-616-BANK. Our Customer Care Department is available Monday-Friday from 8:00AM – 5:00PM CST. If you have general questions or need assistance outside of our support hours, please complete this short form and a Customer Care Representative will be in touch.

Where do I find surcharge-free ATMs?

MoneyPass ATM Locations

Use your Minnwest MasterCard ATM/Debit Card to access tens of thousands of surcharge-free ATMs nationwide where you can withdraw money, transfer funds, make balance inquiries and more.

It is a recommended practice to notify card providers when traveling outside of your usual destinations. If you plan to travel, let us know by calling 1-888-616-2265. Please be as specific as possible about your travel plans, including transportation details and layovers, especially for international travel.

 Monitor your account while traveling. Set up alerts/notifications through online banking. Carry a backup payment method in case the debit card is lost or stolen.

IMPORTANT INFORMATION ABOUT YOUR MINNWEST BANK CHECKING ACCOUNT

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts as follows:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans such as an overdraft line of credit, Alert Notifications, Online and Mobile banking to make it easier to monitor your account balance, transfer funds from checking or savings, sweep transfers, and 24-hour telephone transfer service which may be less expensive than our standard overdraft practices. To learn more, about these plans, call 1-844-MINNWEST (646-6937).

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (See below):

• ATM Transactions
• Everyday Debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Minnwest Bank pays my overdraft?

Under our standard overdraft practices; Checks, ATM and everyday Debit Card transactions*, and other types of transactions:

• We will charge you a fee of up to $25 each time we pay an overdraft item that is presented.
• Also if your account is overdrawn for 7 or more consecutive business days, we will charge an additional $25 every 7 business days.
  
• At the end of the business day, if your account is overdrawn by $25 or less, an overdraft fee will not be charged.
• We will limit daily overdraft fees to $100 per day (not including the continuous negative balance fee if applicable).

Get Started

Once you've decided which accounts you want your Overdraft Protection transfers to come from, you're ready to set up Overdraft Protection. To do this, simply talk to any Personal Banker at Minnwest Bank or call us at 1-844-MINNWEST (646-6937)

*This will include ATM and Everyday Debit card transactions if you have opted-in to the payment of ATM/Debit card transactions.

SHOULD I TURN IN A CLAIM?

Your insurance premium is a direct reflection of your claims experience. People with claims pay more for insurance than people without claims for the same insurance. With the rising cost of insurance, it is important to know when and when not to turn in a claim. We have years of experience with this, and while we won't make the decision for you, we're here to help. Please contact us to discuss what is in your best interest.

HOW TO TURN IN A CLAIM:

To turn in a claim, contact the Agency office you worked with or reach out to one of our knowledgeable insurance agents.