Online Banking Frequently Asked Questions
What is Wolverine eBank?Wolverine eBank is a service that provides secure, real-time access to your Wolverine Bank accounts via the Internet. You can access your accounts from your PC, any time day or night. Check your balance, verify cleared deposits or checks, move funds from one account to another.
What kind of bank account do I need to use Wolverine eBank?
Any type of Wolverine Bank account.
How do I get started?
If you already have a deposit account with us, you can apply for Wolverine eBank now. Simply complete the online application by visiting our Online Banking Sign Up Button. To open a deposit account, visit any of our branch locations.
I am an inexperienced Internet user. Can someone help me get started?
Each of our Customer Service Representatives has access to our website. They will be happy to show you a demonstration and answer your questions.
How soon can I start using Wolverine eBank?
Once your application has been processed, you will receive a temporary user name and password within 2 to 7 business days via regular mail. You can then start using the service immediately. You will be prompted to change your Access ID and password the first time you sign on.
How much does Wolverine eBank cost?
Wolverine eBank is free of charge to customers who want to check account balances, make transfers, and review account history.
Can I access my account from both home and work?
Yes, with your user name and password.
How is my Account Information Secured?
There are three levels of security on the Internet
- Client Endpoint Security, which is stored on a secure browser.
- Over the Wire Security, which includes encryption.
- Trusted operations System, which is server endpoint security-firewall.
Secure Browser
A secure browser* ensures that all data is encrypted while in transit. Secure Browsers include Netscape Navigator 4.7 and Microsoft Explorer, version 5.0.1 and above.
*Note: You will receive and error message if working with an unsecured browser.
What if I open a new account after I'm set up for Wolverine eBank?
Your new deposit accounts will automatically be linked to Wolverine eBank.
Is there a maximum number of daily transactions my Wolverine eBank account will process?
No, you can use your account as much as you like. You can review transactions from your current and previous statements as well.
Can I use Wolverine eBank with my business account?
Yes, you can access your business deposit accounts with Wolverine eBank. However, you may have to create a separate Access ID and password.
What kinds of Inquiry are available?
Checking Inquiry:
- Current Balance: Account balance.
- Interest Information: Interest paid current year, Interest paid last year.
- Activity Information: Balance of last statement, Amount of last Deposit, and Amount of last check.
Savings Inquiry:
- Current Balance: Account balance.
- Interest Information: Interest paid current year, Interest Paid last year.
- Activity Information: Balance of last statement, Amount of last Deposit, and Amount of last withdrawal.
Certificate of Deposit Inquiry:
- Current Balance: Account balance.
- Interest Information: Interest paid current year, Interest Paid last year, Rate.
- Maturity Information: Date of Maturity, Term.
Mortgage and Construction Loan Inquiry:
- Current Payment Information: Amount Due, Amount of last payment.
- Other Date Information: Note Date, Maturity date.
- Other Balance Information: Principal balance, Interest Balance, Late charge Balance, estimated Net. Payoff. (Looking on added Escrow).
Consumer and Commercial Loan Inquiry:
- Current Payment Information: Amount Due, Amount of last Payment.
- Other Dates Information: Note date, Maturity date.
- Other Balance Information: Principal balance, Interest Balance, Late charge Balance, estimated Net. Payoff.
- Credit Information: Maximum Credit, Available credit, Amount of last Advance.
How do I use my checking account with Wolverine eBank?
In addition to viewing your account activity, you can use your checking account the same way you are accustomed to. After you write a check or use your ATM or VISA Check Card, you can export the transaction into your financial software, such as Quicken or Microsoft Money.
What is the difference between the account statement and the exporting your history?
The account statement is an electronic version of the paper statement you currently receive in the mail. It shows transactions that have cleared the bank, sorted by checks, deposits, ATM transactions and so forth. The statement balance is the result of all the transactions that have cleared your account. This online history is updated real time to give you a current picture of your Wolverine Bank account's status.
How do I deposit money into my account?
You can mail deposits to us at Wolverine Bank, P.O. Box 649, Midland, MI 48641-0649. You can also have a deposit wired or transferred electronically to your account, once your account has been opened. For your convenience, we recommend that you have your paycheck, pension or social security check directly deposited into your account. Of course, you can always make a deposit at any of our branch locations.
What happens if I don’t actually log into my online banking account?
If you fail to log into your online banking account within 12 months, the account will be considered inactive and will automatically be deleted. This will happen even if you have scheduled online bill payments.
What happens if I have a bill payment record set up but don’t use it for a long time?
If the bill payment record is not used within 6 months, it will become dormant.
What happens if I enter an account number incorrectly when using bill pay?
The payment will be sent, but the Payee will not know where to post the payment resulting in the payment eventually being returned.
What happens if I misspell a payee name and/or address?
If the payment would normally be paid electronically, a misspelled name and/or address will be sent via check. This process does take longer for the payee to receive your payment and for the payment to be processed.
How do payments get sent when using bill pay?
Payments are either sent electronically or by check. A customer can verify this after the first initial payment was made. To do this, you just need to click on the Payee link or the Details and look for the “Payment Method”. If you are not sure, you can contact our Operations Department and they can answer your questions.
How much Bill Pay History can I view online?
You may view up to 90 days of history.
If I have Overdraft Protection, will it go into effect when using Bill Pay?
No. If the funds are not available at the time the payment is to be sent, the payment will not take place.
What happens if I accidentally put the wrong amount in for payment and try to correct it?
If a second payment is made during the same day, the first payment will be reversed. If you are unsure, please contact the Operations Department for assistance.
What happens if I have the same Payee, but would like to make two different payment amounts?
If two payments are made on the same day, to the same Payee, the first payment will be reversed. The best thing to do is make one payment on one day and the other payment on another day.
How much transaction history can I view?
The Current Period will display transactions that have occurred during the current statement cycle for checking and statement savings accounts. Passbook and statement savings accounts will show the last 30 days of history. This button does not apply to Certificates. Previous Period will display transactions that occurred during the last 90 days.
Can I transfer money between different banks?
Money cannot be transferred between banks using Wolverine eBank. However, a Customer Service Representative can help you with wiring the money.
Can I transfer money between my Wolverine Bank accounts?
You can only transfer money among your Wolverine Bank checking, statement savings, loans or money market accounts. Due to Federal Regulations, transfers cannot be made with your Wolverine Bank passbook savings accounts.
Do I have access to my account via telephone if I'm not at my computer?
Yes, you can call our free automated Telephone Banking service, 24 hours a day, seven days a week to inquire about your accounts. Simply call (989) 839-8715 or (800) 839-8715.
How do I discontinue Wolverine eBank?
Wolverine eBank can be cancelled at anytime. Simply contact us by email, telephone or letter.
Online Banking
