MUTUAL’S
ONLINE BANKING & BILL PAYMENT
CONSIDERATIONS, QUESTIONS & ANSWERS
Considerations:
Deposit accounts requiring two or more signatures for withdrawal will not be allowed to transfer funds using Online Banking or Bill Payment.
All joint owners living in the same household have access to deposit accounts using Online Banking. This includes those joint owners without current knowledge of account ownership.
Note: For any relationship where there are individual and joint accounts in a single household, clients must enroll separately to insure that access to individual accounts within that household is limited to the authorized owner only. Each client will then receive a separate Access ID and Password.
For Business Account Enrollment...Please contact Client Services @ 913-682-3491.
The initial Access ID and Password will be produced and mailed to the client whose social security number was used in the enrollment process. This will give that individual client access to accounts in which he is an owner and authorized signer.
There will be a one time setup and implementation fee of $4.95 per individual enrollment (Access ID and Password).
For those clients within the same household who enroll separately but share the same primary checking account, there will be a $1.00 monthly Online Banking fee and if selected, a $4.95 monthly fee for Bill Payment.
For those clients within the same household who enroll separately and have different primary checking accounts, there will be a $1.00 monthly Online Banking fee and if selected, a $4.95 monthly fee for Bill Payment per primary checking account.
The fees will be automatically deducted from the primary checking account.
A. Simply select the Online Banking button from our web page (http://www.MutualWave.com). This will bring you to our welcome screen. At the bottom of our welcome screen you will find an “Online Enrollment” button. Click this button, and you will be presented with our online banking and bill pay agreement. Once you have read the agreement, click the "Accept" button at the bottom of the page, and fill out the online form, and submit it. Two separate mailings will be sent within seven business days, one containing your Access ID, and the other containing your Password. You will also be required to complete the layered authentication process. Layered authentication is an additional layer of security to the Online Banking process that further validates your identity. This process is designed to keep your personal account information protected from fraud and identity theft. Note: For Business Account Enrollment...Please contact Client Services @ 913-682-3491.
Q. How do I sign-up for Mutual’s Bill Payment Service?
A. When you enroll you can select to have Bill Pay activated at that time. If you are already enrolled for internet banking, you can change the status (add or remove) of your Bill Pay option at any time by calling our Client Service Department at 913-682-3491 or use our website’s Contact Us page to submit your request (http://www.MutualWave.com).
Q. What type of account can I use for Online Banking and Bill Payment Service?
A. With Online Banking you may inquire into any deposit account you have with us. You may make transfers between checking, statement savings and passcard accounts. You may also make loan payments. Your Online Banking enrollment and/or Bill Payment account must be a checking account.
Q. Who do I call with Online or Bill Payment questions?
A. You can call our Client Service Department at 913-682-3491 or use our website’s Contact Us page to submit your questions (http://www.MutualWave.com). You may also use the HELP button that will answer many of your online banking or bill payment questions. The HELP button is located at the top of each page.
Q. How do I change my password?
A. Your initial password is a temporary password. After your first successful login, you will be automatically prompted to create a new password. In order to change your password at any time after the initial sign on process, you must select the “Change Password” button. You will then be prompted to (1.) Enter your old password, (2.) Enter the new password, and (3.) Re-enter the new password for verification.
Q. How many characters should my password be?
A. Your password is case sensitive and must be between 6 and 18 alphanumeric characters. You may reuse passwords.
A. Your initial Access ID will be provided to you. It is a personal identification number allowing you access to the Online Banking and Bill Payment services.
Q. What is layered authentication?
A. Layered authentication is an additional layer of security to the Online Banking process that further validates your identity. This process is designed to keep your personal account information protected from fraud and identity theft.