Missouri Bank: Internet Banking

Q: What do I need to get started?

A: You need to have at least one checking, savings or loan account with Missouri Bank. Then, you need a secure browser with 128-bit Strong Encryption and Internet access on your computer. Check to make sure you have one of the browsers listed below. If you don’t, they can be downloaded free of charge. Make sure you select the 128-bit Strong Encryption version for your operating system. You can use either a PC or Macintosh-compatible. Microsoft Internet Explorer is no longer supporting Macintosh Users. Please try using the Macintosh link below.

Macintosh Users, download here
Troubleshooting tips for Macintosh users

Microsoft Users, download here
Troubleshooting tips for Microsoft users

To download the most recent version of Acrobat^®, click here.

Q: How do I sign up?

A: You may sign up here!

We will contact you to verify your information first before activating your internet banking.

Print the Internet Banking Agreement for your records.

Q: What is the charge for Internet Banking and Bill Pay services?

A: Internet Banking and Mobank Classice Bill Pay is free for businesses and consumers.

Mobank Bill Pay Plus for businesses is $5.00 per month for the first 10 transactions and $.50 for each additional transaction. For consumers, Mobank Bill Pay Pluls is $5.00 per month.

Q: How secure is Internet Banking?

A: We are as interested in security as you are! When you log on to Missouri Bank Internet Banking, you enter a secure server. There are several levels of security within our security framework. User Level deals with cryptography and Secure Sockets Layer (SSL) protocol, and is the first line of defense used by all customers accessing our server from the internet. Server Level focuses on firewalls, filtering routers and our trusted operating system. Host Level deals specifically with our Internet Banking and Bill Pay services, and the processing of secure financial transactions.

For more detailed information please see our Security Agreement.

Q: When can I access my accounts?

A: You can access your accounts through Internet Banking seven days a week, 24 hours a day. However, at certain times, some or all of the service may not be available due to system or internet maintenance. If we need to change the scope of our Internet Banking service, we will attempt to provide advance notice of such interruptions and changes, but cannot guarantee that such notice will be provided.

Q: I am having trouble accessing Internet Banking.

A: If you are having trouble accessing any websites, please contact your ISP (Internet Service Provider). If you can access other websites but not Missouri Bank, we may be experiencing a temporary delay in service. Please try again in a few hours.

Q: What types of transfers may I make?

A: You may transfer funds between accounts or make payments to your overdraft banking line.

You may make arrangements for one time transfers or loan payments, or make scheduled transfers to occur in the future or on a recurring basis.

Transfers and payments made after 6:00 p.m. will be not be credited until the next business day.

Your ability to make transfers from your savings or money market account is restricted by Federal Reserve Board Regulation D. For each money market account or savings account, you are prohibited from making more than six pre-authorized transfers per month. Pre-authorized transfers include transfers made through Internet Banking. No more than three of these six may be made be payable to third parties, such as checks, bill payments, ACH transfers or debit card entries. The following transfers do not count towards the limit:

transfers from your savings or money market account to repay any amounts owed to Missouri Bank for loans;
transfers made by mail, messenger, ATM or in person.

Once a savings or money market account has violated the Regulation D limits, Missouri Bank will notify you and may convert the account to a transaction type account.

Q: Is there a cut-off time when internet transactions will be posted to the next business day?

A: A transfer between deposit accounts initiated through Internet Banking before 6:00 p.m. Central Time on a business day will be posted to your accounts on the same day. Transfers after 6:00 p.m. will be posted on the next business day. Transfers initiated on a Saturday, Sunday or a federal holiday, will be posted on the next business day. Payments to loan accounts initiated through Internet Banking may take up to two business days to post.

Q: Are all transactions updated in "real time"?

A: Although you can access account information and conduct transactions anytime, not all transactions are posted in "real time". For example, checks that you write will not be updated until after midnight of each business day in which they clear. Transactions through the use of ATM, Debit Cards, Missouri Bank teller windows or Internet Banking transfers will be provisionally posted and can be reviewed through Internet Banking as they occur.

Q: How far back can I view my transaction history?

A: We display transaction activity for deposit accounts covering the current and previous statement cycles. Loan account activity is displayed for the current year.

Q: How far back can I view my statement history?

A: You may view up to 13 months of your statements online.

Q: Can I download my history into personal financial management software?

A: You can export transactions from your accounts into Quicken, Microsoft Money or an Excel spreadsheet. Please note: You will only be able to access your current statement history and your previous months statement.

Q: What can I do to protect my accounts and personal information while using Internet Banking?

Memorize your password and keep it confidential
Change your password regularly. You may change it at anytime, but you will be required to change it every 6 months.
Remember to close the program when stepping away from your computer. Missouri Bank Internet Banking has an automatic log-off feature in case you forget.

Q: What should I do if I think my password is lost or in the hands of an unauthorized user?

A: If you suspect your password is lost or in the hands of an unauthorized user, report it at once to Missouri Bank Operations Department at (816) 881-8270.

Q: Who do I contact if I believe there is an error in my Internet Banking account?

A: In case of errors or questions about your Internet Banking transactions, call or write us at the telephone number or address listed below as soon as possible. When contacting us, please provide the following information:

Your name and account number
Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
The dollar amount of the suspected error.
For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

Contact us at:

Missouri Bank
Attn: Internet Banking
PO Box 26430
Kansas City, MO 64196
Phone 816-881-8270
internetbanking@mobank.com