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Frequently Asked Questions

Find Answers About Our Services

Whether you want to learn more about DeWitt Bank & Trust Co.’s mobile and online banking services, or the latest benefits of our Bill Pay system, we have answers for you. Look through our frequently asked questions to learn more about the benefits of working with us.

Online Banking FAQs

What is Online Banking?

 

Online Banking allows you 24 hour access to your financial information. You have the ability to view account balances, check images, statements, and transfer funds between accounts.

What are the supported browsers?

 

 Apple Safari 7.0, Apple Safari 8.0, Google Chrome, Microsoft Edge, Microsoft Internet Explorer 11.0 Mozilla Firefox.

What do I do if I’m locked out of Online Banking

 

The system will lock your account after 3 invalid log in attempts. You may unlock the account by clicking the “Forgot Password?” hyperlink, enter your Access ID, the last four digits of your social security number, email address (must be email listed in your online banking) and hit “SUBMIT”. An email will be sent to the email address on file with a new password that will only be valid for 30 minutes. If you do not receive the email please check your junk/spam folder. You may also call a customer service representative to have your account unlocked/password reset.

How do I transfer online?

 

Click the transfer tab. Select a from account and a to account, input date, amount and description (description is not required). You may schedule a transfer by selecting a date in the future. You also may set up recurring transfers by selecting “repeat” and defining the repeat transfer by a total number of transfers, until a certain date, or until you delete the transfer. Once you have your transfer information inputted hit preview transfer, review your transfer and if everything looks ok click complete transfer. All transfers done prior to 6pm will be posted the same business day.

How do I edit or delete a schedule transfer online?

 

Click on the transfer tab and scroll down until you see scheduled transfers click edit or delete, edit if you would like to change the transfer and delete if you no longer wish to complete the transfer.

How do I enroll in E-Statements?

 

 You can enroll in E-Statements by logging into your online banking account and selecting the profile tab. From the profile tab locate Electronic Statements banner and click edit. Change the delivery method from paper to E-Statements, click on the electronic statements terms and conditions hyperlink to read the terms and conditions and retrieve your 4-digit confirmation code located on the last page of the document. Click where is states I have read and accept the electronic statements terms and conditions and enter the confirmation code, click save.

How do I view my E-Statements

 

Log into your online banking account and click into the account you wish to view the E-Statement for. Once in the account you would like to view the statement for click documents, the document search box will be displayed (you can select other accounts enrolled in E-Statements by using the drop down menu listed for account, you can also select between checking E-Statements and checking Statements under the document type and you can change the date range). Click submit and click on the hyperlink statement you wish to view.

How long are my E-Statements available?

 

One year and six months of statements are available to you.

How do I stop receiving E-Statements

 

Contact the bank to no longer receive your statement electronically.

When does my Online Banking password expire

 

Your online banking password does not expire (unless you require your password to be reset, if your password needs to be reset your temporary password is only valid for 30 minutes from the time of reset). Your online banking and mobile banking password are the same password. If you are unable to log in please call us at 563-659-3211 for assistance.

Mobile Banking FAQs

Are there fees to use Mobile Banking?

 

DeWitt Bank & Trust does not charge a fee to access Mobile Banking however message and data rates may apply.

How do I enroll in Mobile Banking?

 

If you are an existing online banking user you can enroll in mobile banking by following the steps below:

  1. Log in to Online Banking
  2. Click on Profile
  3. Locate the Mobile Banking Profile section
  4. Click Enroll Now
  5. Read the terms and conditions and then click where it states I accept these Terms and Conditions.
  6. Click Continue
  7. Select the type of mobile banking you wish to enroll in: Downloadable app, mobile browser or text banking (note: you may sign up for all of the services but you should do so in separate sessions).
  8. Click Continue
  9. Select the time zone you wish to use
  10. Select from the listing of accounts which accounts you would like to be able to view within your mobile banking by clicking in the box located next to the account name.
  11. Enter a nickname used to identify each account in a text message (note: keep nicknames short)
  12. Click continue
  13. Enter your mobile phone number including area code no dashes
  14. Click Continue
  15. You would then receive a text message with an activation code which would need to be entered.
  16. Click Activate to complete enrollment.

If you are not a current online banking user you can enroll directly from your mobile device by following the steps below:

  1. Download the mobile banking application from iTunes or Google Play (this can be from the Apple Store app or Google Play app on your mobile phone, the App store or Google Play website, or Itunes desktop app).
  2. Use the search keyword, TouchBanking
  3. Enter the mobile app code: GoMobile1338, click next.
  4. Click on the First Time User? Enroll Now
  5. Select the type of account you wish to enroll in mobile banking from the drop down where it states type of account.
  6. Enter your account number where it states account number.
  7. Enter your social security number where it states social security number.
  8. Enter in the last four of your social security number in the PIN field, click next.
  9. Enter your email address and re-enter your email address where it states confirm email address, click enroll.
  10. The terms and conditions will be displayed, click I agree to continue *it will display the retail online terms and conditions then the mobile banking terms and conditions once the mobile app is launched after enrollment*
  11. Create your username and password and re-enter your password where it states confirm password.
  12. Select your challenge questions and provide answers to your challenge questions, click continue (for security purposes, once enrollment is complete you will be signed out and you must sign in again).

Is there a Mobile Banking app?

 

Yes.

App Features and Benefits:

  • Check account balance and review recent account activity
  • Transfer money between accounts
  • Pay Bills (If you are enrolled in Bill Pay)
  • Change and cancel pending payments
  • POP Money Person to Person Payments
  • Find an ATM and branch locations
  • Enroll in instant balance to receive your balance instantly without having to log into the Mobile App

Requirements:

Must be enrolled in online banking. To use the downloadable application the mobile device must have a system that supports application downloads and may require a data service plan.

App Download:

  1. Download the application from iTunes or Google Play (This can be from the Apple Store app or Google Play app on the mobile phone, the App store or Google Play website, or the iTunes desktop app.)
  2. Use the search keyword, TouchBanking
  3. Enter DeWitt Bank and Trust Co.’s App Code GoMobile1338
  4. Proceed to log in using your online banking credentials

If your phone is lost or stolen please contact the bank and we can deactivate your mobile banking

What is the Mobile Banking app code?

 

GoMobile1338

Can I sign up for more than one Mobile Banking service (text, browser and app)?

 

Yes but you should not do so within one session.

Is Mobile Banking secure?

 

Yes. Mobile banking is similar to online banking in terms of security. Mobile Banking requires an online banking account and employs a registration process which uses unique URLs, authentication, and activation of the mobile banking service. Mobile Banking also uses encryption and secure passwords. If a user enters an invalid password 3 times their Mobile Banking account becomes locked. Also no personal or financial information is saved to your mobile device, this information is strictly within online banking.

How current is the account and transaction information?

 

Balances are current memo ledger balances and include memo posted activity.

Can I add more than one mobile phone?

 
  1. Log into Mobile Banking
  2. Tap Payments
  3. Tap Manage Contacts
  4. Tap Add new contact

What if I forget my password?

 

Launch the mobile banking application. On the sign on screen click the “Forgot Password?” hyperlink, enter your Access ID, the last four digits of your social security number, email address (must be email listed for online banking) and click “SUBMIT”. An email will be sent to the email address on file with a new password that will only be valid for 30 minutes. If you do not receive the email please check your junk/spam folder. You may also call a customer service representative to have your account unlocked/password reset.

What if my phone number changes?

 
  1. If your mobile phone number changes you can simply update this by:
  2. Log into Online Banking
  3. Click the Profile tab
  4. Locate the Mobile Banking Profile section
  5. Click Manage Devices
  6. Select the My Device tab
  7. Locate the old phone number
  8. Select Change my phone number
  9. Click Go
  10. Enter the updated phone number
  11. Click Continue
  12. Enter Activation Code
  13. Click Activate
  14. Close Mobile Banking to return to the Online Banking session

What if my phone is lost/stolen or I no longer wish to use Mobile Banking?

 

If your mobile device is lost or stolen, no one can access your account without knowing your password, and in some cases, your unique user name. To prevent unauthorized access to your account you can deactivate your phone in Mobile banking or call the bank and the bank can deactivate your mobile device for you. If you wish to stop using mobile banking you can deactivate through your Online Banking or by calling the bank. To deactivate your phone:

  1. Log into Online Banking
  2. Click the Profile tab
  3. Locate the Mobile Banking Profile section
  4. Click My Devices
  5. Locate the appropriate phone number
  6. Select stop using this phone for Mobile Banking from the drop down menu
  7. Click Go
  8. Click Yes
  9. Close Mobile Banking to return to the Online Banking session

Can I pay bills through Mobile Banking?

 

Follow these steps to pay a bill using your mobile device:

  1. Log into Mobile Banking
  2. Tap Pay My Contacts
  3. Tap Select your contact
  4. Tap the appropriate payee
  5. Verify the information is accurate
  6. Enter an amount, tap next
  7. Enter a deliver by date
  8. Tap Next
  9. Verify your payment, then tap Pay if OK or Edit if something needs to be changed.
  10. A Payment Scheduled page will show with the payment detail, you can select done if complete or make recurring to have the payment scheduled on a recurring basis.

Can I change a bill payment within Mobile Banking?

 

Yes. Follow these steps:

  1. Log into Mobile Banking
  2. Log into Mobile Banking
  3. Tap Payments
  4. Payment Activity
  5. Tap the payment you wish to change/cancel
  6. Tap edit to edit the payment or click cancel payment to cancel the payment (some payments will not be able to be canceled).

How do I transfer funds using Mobile Banking?

 

Follow these steps:

  1. Log into Mobile Banking
  2. Tap Transfers
  3. Tap the Transfer from: to select the account to debit for the transfer
  4. Tap the Transfer to : to select the account to credit for the transfer
  5. Tap the Amount box to enter the amount of the transfer
  6. Tap Next
  7. Tap Transfer
  8. If everything looks good click Confirm
  9. The Transfer Confirmation screen is displayed

What is Instant Balance?

 

Instant Balance is a secure, read only feature that allows users to see select account balances without logging into the mobile app.

Is Instant Balance secure?

 

Yes, users cannot use this feature to complete transactions and account numbers are masked. The user never logs in therefore the system does not transmit any sensitive account information.

How do I enroll in the Instant Balance feature?

 
  1. Launch the mobile banking app
  2. Click on the instant balance icon ($)
  3. Click log in and set up-Proceed to log in
  4. Turn the instant balance feature on by sliding the circle icon over until it shows green in color
  5. Select the accounts you wish to view through instant balance.

How current is the balance information in Instant Balance?

 

Balances are current ledger balances and include memo posted activity.

How many accounts can I enroll in Instant Balance?

 

You can enroll up to 6 accounts in the instant balance.

Can I modify my Instant Balance settings?

 

Yes once logged into mobile banking select more than Instant Balance settings.

When does my Mobile Banking password expire?

 

Your mobile banking password does not expire (unless you require your password to be reset, if your password needs to be reset your temporary password is only valid for 30 minutes from the time of reset). Your online banking and mobile banking password are the same password. If you are unable to log in please call us at 563-659-3211 for assistance.

Mobile Deposit Tips

 
  • Endorse the back of your check: For Mobile Deposit Only DeWitt Bank and Trust, failure to endorse your check with this specific endorsement will cause your deposit to be rejected.
  • Take a look at the check you are going to deposit to ensure that the check amount and the written amount match prior to depositing.
  • DeWitt Bank & Trust Co. mobile deposit limits are $2,500 per check and $5,000 per day.
  • DeWitt Bank & Trust Co. mobile deposit cut off time is 4 pm.
  • Make sure that when you take an image of your check you do so in a well-lit area, keep the check within the view finder of your camera, hold the camera steady and above the check when taking the image and make sure the entire check image is visible and in focus before submitting your deposit (no shadows, all four corners must be visible, MICR line (numbers on the bottom of check) is readable).
  • Submitting a deposit via mobile deposit does not mean that the bank has accepted your deposit. If your deposit was not accepted you will receive an email to the last known email address we have on file for you and you will also be able to see this in your mobile deposit history as a failed deposit. Deposit history is available through the mobile application for 30 days.
  • Flatten folded or crumpled checks before taking your photo.
  • DeWitt Bank & Trust Co. advises you to not use public WIFI while creating mobile deposits.
  • We ask that you retain your check for 90 days after you have made your deposit.

Bill Pay/Popmoney FAQs

What is Bill Pay?

 

Bill Pay gives you the ability to pay virtually any company or person in the US. You can even pay your friends and family!

Do I have to be Enrolled in Online Banking to use Bill Pay?

 

Yes. In order to enroll in Bill Pay you must first be enrolled in online banking.

What kinds of bill payments are available?

 

One-time payment- the payment date you specify is the date the payment will be received by the merchant, Recurring payment- occurs at your specified frequency and as many times as you indicate.

To whom can I make payments?

 

You can make payments to almost anyone, even an individual such as a friend, babysitter, or handyman.

How fast are payments delivered?

 

Payments to electronic payees are delivered in 2 days, payments issued by check are delivered in 5 days. When you schedule a payment, the payment calendar indicates the earliest available payment date.

What is a recurring payment?

 

Recurring payments are automatic payments of the same amount. You do not have to re-enter a new payment each month.

Can I cancel or change a scheduled payment?

 

You can review, change, or cancel a payment at any time before it is processed. The system displays an error message if you attempt to modify a payment after it has been processed. *When logged into Bill Pay you can also click the help button for more help options.

Can I transfer money between an external account and my account at DeWitt Bank & Trust?

 

Yes. Simply add your other account by clicking My Accounts, other accounts, fill in your account information and read the verify account information. Once your account has been verified you will then be able to do account to account transfers. *Fees may apply.

How long does it take to process an account transfer?

 

The transfer date is the date that the money is withdrawn from the From account. Transfers are typically transferred to your To account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected From account. The calendar shows the earliest date you can make a transfer. *Fees may apply.

Can I set up repeating transfers?

 

Yes a repeating transfer is an automatic transfer of a specified amount of money from one account to another based on a schedule you set up. When you set up a transfer schedule the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.*Fees may apply. *When logged into Bill Pay you can also click the help button for more help options

What is Popmoney?

 

Popmoney is a way to make person to person payments. *Fees may apply.

How does Popmoney work?

 

Popmoney is used to make person to person payments using information such as, a name and email address or mobile number. The email or phone number is used to notify the receiver of your payment. Or if you have the receiver's bank information then you may use that information to send the payment to the receiver. *Fees may apply. *When logged into Bill Pay you can also click the help button for more help options

Account Alerts FAQs

What are account alerts?

 

Account alerts is a messaging system that provides alerts/notifications on specific transactions. Alerts can be received through online banking, email, or sms/text messaging. *Fees may apply.

Do I have to be enrolled in Online Banking to sign up for account alerts?

 

No. If you are not currently enrolled in online banking you can contact the bank and have a customer service representative set up the account alerts for you. *Fees may apply.

How do I enroll in account alerts?

 

Log into online banking, select alerts, select the type of alert from the drop down menu, click next, enter the information using the drop down boxes when available, follow the instructions regarding the timeframes, and verify the email address to receive the alert (could be a mobile email address to receive sms/text messages), click submit, then confirm.

When do I receive the alerts/notifications?

 

Some alerts/notifications may be received late at night or in the early morning hours.

What if I receive the same alert?

 

There could be times where you receive the same alert twice, if you are unsure about the transaction feel free to contact the bank for clarification. (Card Activity Alert may send two separate alerts depending on how the transaction was processed by the merchant. You may receive an alert for both the pre-authorization and purchase where in most cases the transaction actually only posted to your account once).

How do I stop receiving alerts?

 

Log into online banking, click the alerts tab, click the alert group which the alert relates, click the delete X next to the alert you wish to delete. You may also call the bank and request the alerts be turned off.

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