Q: How will Integrity Bank Plus's Online Banking benefit me?
A: Integrity Bank Plus is striving to make banking as easy and convenient as possible for you. Online Banking allows you to access your accounts at your convenience via the internet from your home or office, twenty-four hours a day, seven days a week. In addition, we are providing Online Banking at no charge to our customers. You may use Online Banking to:

• Transfer funds between accounts
• Obtain balance information on accounts
• Review transactions on accounts
• Obtain interest information
• Make loan payments
• View and print both current and previous months' account statements
• Setup personalized reminders and alerts
• Access a savings bonds calculator and track bonds
• Export transaction history to PFM (personal finance management software)

Q: Can I demo Online Banking?
A: To enroll for Online Banking:

1. Go to our website at www.integritybank.com
2. Click on the enroll button in the Online Banking icon
3. Fill out the enrollment form, complete and sign
4. Submit the enrollment form to the bank
OR
5. Stop by any of our locations and a member of our staff will be happy to help you with your enrollment.

Within 3-5 business days after we receive your completed enrollment form, we will send out your password and sign-on instructions thourough US mail. You will be required to change your password the first time you login to Online Banking.

Q: What do I need to access Online Banking?
A: You will need a connection to the Internet and either Internet Explorer version 6.0 or higher or Netscape version 7.0 or higher. If you need to upgrade your Internet Explorer or Netscape, visit our privacy page of our website by clicking here.You must also have an account with Integrity Bank Plus and will need to enroll for Online Banking to receive an assigned User ID and Password.

Q: Is Online Banking secure?
A: When you do your banking on Online Banking, you can be assured that you are in a secure environment where your account information is safe. Our Internet Banking System uses industry standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol and 128-bit encryption. 128-bit encryption is the highest level of encryption currently available. Firewalls and filter routers act as security guards for your data passing back and forth to the computers. Online Banking will automatically lock a User out if an incorrect User ID and Password are entered 3 consecutive times. If a user is locked out because they have exceeded the number of allowable password attempts, they must contact Integrity Bank Plus to be reset. There is a 10-minute time limit on any screen in Online Banking, regardless of keystrokes. Once ten minutes has elapsed, you will be taken back to a login screen after the next selection is made.

Q: What can I do to increase the security of the system?
A: Keep the password you establish confidential. Do not share it with anyone. Avoid choosing a password that can be easy to guess. Always remember to "Exit" the Online Banking system if you will be away from your computer. If you believe that an unauthorized user has obtained your User ID and Password, contact Integrity Bank Plus immediately.

Q: Can I change my User ID?
A: Yes, you can change your User ID as often as you wish. Just click on "Services" then "Change Info", scroll down and input your User ID and click on Submit. Your User ID must be at least 6 characters long and contain at least one alpha character and at least one numeric or special character.

Q: Can I change my Password?
A: Yes, you can change your password as often as you wish. Just click on "Services" then "Change Password" input your new password and click on Submit. Your password must be at least 6 characters long and contain at least one alpha character and at least one numeric. Your password is case sensitive.

Q: What if I forget my Password or get locked out?
A: Users have three tries to logon before their password is locked out. We do not have access to your Password once you have changed it on your initial login to Online Banking. However, we can reset your Password tries if you remember your password, or we can give you a new password and mail it to you. You can then change it to a password of your preference the next time you login. Give us a call at (507)342-5111 in Wabasso, (320)252-2902 in Sartell, (507)859-2151 in Walnut Grove or come in to anylocation and we will be happy to help you.

Q: What if I forget my UserID?
A: We can look up your UserID. Give us a call at (507)342-5111 in Wabasso, (320)252-2902 in Sartell, (507)859-2151 in Walnut Grove or come in to any location and we will be happy to help you.

Q: What if I can not sign into Online Banking?
A: Every Wednesday from 5:00-7:00am CST, Online Banking may be down for weekly backups and program updates, otherwise, Online Banking should be available twenty-four hours a day, seven days a week. If you should experience problems signing into the system at any other time, please call us at (507)342-5111 in Wabasso, (320)252-2902 in Sartell, or (507)859-2151 in Walnut Grove and we will be happy to help you.

Q: What if I get an error message?
A: If you get an error message, write down the message; then simply call the bank and we will work to resolve the problem as soon as possible.

Q: What accounts will I see?
A: All open accounts in which you have direct ownership will be activated for your Online Banking account. You have the option of choosing which of these accounts you wish to view. Go to "Accounts" then "Selection" and check the accounts you wish to not view and click on Submit. If you wish to view these accounts at a later time, go back into this same screen and uncheck the accounts and Submit. If you close an account, it will automatically drop off of internet banking.

Q: When are transactions available to view on Online Banking?
A: Transactions from a business day are updated on Online Banking at 6pm CST. After 12:00pm (noon) your accounts will also show pending items that have been presented from other financial institutions to us for payment on that day. Please note that additional items can still post to your account after this time and will not update to your internet banking account until 6pm CST.

Q: What are the transaction cut-off times for Online Banking?
A: We only process transactions and update information on business days. Our business days are Monday through Friday. Transfers made after 3:00pm CST, will be processed on the next business day. Federal holidays are not included.

Q: How many statements can I see online?
A: When you first sign up for Online Banking, you will have the current months statements to view. This will build up over time until you are able to view up to one years worth of statements. Also you will have sixty days of checking and savings account history and detailed history on certificates of deposit and loans.

Q: Why can I only view and not transfer from some accounts?
A: Accounts that require two signatures for withdrawal and Uniform Transfer to Minors Act Accounts only have view and deposit options. This means you can view balances and transactions, and make transfers to these accounts, but you can not transfer from these accounts.

Q: How do I setup a one time or automatic transfer?
A: Login to your Online Banking account, choose "Accounts" and "Transfer". Choose from the drop down boxes the accounts you wish to transfer from and to. Enter the amount of the transfer. Enter the first day you wish for the transfer to occur. Choose the schedule. For one time transfers, choose "Once". For recurring transfers choose from "Weekly / Every 2 Weeks / Monthly / Quarterly / Semi-Annually / Annually". If you want the automatic transfer to expire, fill in the date expired field. This field can be left blank. If you choose to put something in the memo field, please be aware that the content of the memo field will print on your statement.

Q: How do I delete a one time transfer or recurring transfer?
A: Login to your Online Banking account, choose "Accounts" and "Transfers". Scroll down to Recurring Transfers. Click on the date scheduled field of the transfer you wish to delete. This will pull the transfer details up. Choose delete. If the transfer is pending (dated the current business day) you will not be able to delete the transfer. If you do not want a pending transfer to post, you must call Integrity Bank Plus before 3pm CST.

Q: How do I set up reminders?
A: Login to your Online Banking account. Choose "Services" and "Reminders". Input the date you wish to receive the reminder for the first time. Schedule the reminder for Once / Weekly / Every 2 Weeks / Monthly / Quarterly / Semi-Annually/ Annually. Use this feature to build reminders to remember special events, birthdays, anniversaries, payment dates, etc. On the day specified, the reminder that you create will be sent to you as an email message. All reminders will be sent to your email address. Please verify that the bank has your current email address on file. You can check or make changes to your email address by going to Services > Customer Info. The emails will be sent from PCS IB Operations.

Q: How do I set up an alert?
A: Login to your Online Banking account. Choose "Services" and "Alerts". Choose the account you wish to have the alerts sent on. Choose the criteria for "Send Me An Alert". Use this to monitor end-of-day balances on DDA, Savings and Loan accounts. An alert is sent as an e-mail message when your account reaches a chosen balance. Also use this feature to have an alert sent to you when your statement if available. All Alerts will be sent to your email address. Please verify that the bank has your current email address on file. You can check or make changes to your email address by going to Services > Customer Info. The emails will be sent from PCS IB Operations. To delete an alert go into "Services" and "Alerts", click on the alert and choose delete.

Q: How do I see what I have done within Online Banking?
A: Login to your Online Banking account. Choose "Services" and "Session Report". The system will list what you have done in Online Banking. Click on the date of the transaction to see more details.

Q: What is the envelope icon with the "You Have Mail" message beside it?
A: This means that the bank has sent you a message. To pick up the message either click on the icon or go to "Services" and "Bank Mail". This feature is only used by Integrity Bank Plus to respond to your inquiries or to notify you of product enhancements.