Find answers to common questions about our online and mobile banking.
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Getting Started with SMB Online
What is online banking?
SMB Online banking is a secure and convenient way to access your accounts using the Internet. You can access information on all accounts including loans, review and print transactions and statements, confirm deposits, withdrawals and checks cleared, transfer funds between accounts, make loan payments, and download transactions to the leading financial management programs. You can also pay bills and people, deposit checks, and manage your debit cards.
Is there a cost to use online banking?
No, online banking is FREE for consumers and businesses to view their account information.
If you’re interested in combining accounts with different tax IDs under one login or would like to take advantage of our add-on business features such as Business Bill Pay, ACH, Wires, Business Mobile Deposit, Remote Deposit Now, or Positive Pay, you will be interested in our Cash Management product.
Learn more about Cash Management
How do I sign up for SMB Online?
For personal accounts, you can enroll online and have immediate access to your accounts, bill pay, and much more.
For business accounts, you can complete our Business Banking Online application and will receive your login information by mail. You can also stop by any of our locations to get started.
Why am I getting an error that says, "Incorrect phone number"?
This error is present during the enrollment process and means the phone number you entered does not match the phone number we have on file. If you have an alternative phone number, you can try again. If you would like to update your phone number in our system or need other assistance, please contact us at 800.943.8488
How do I download the mobile banking app for my phone or tablet?
The SMB Online app is available for download in your app store! Choose your app store below to download.
What if I've forgotten my SMB Online ID or password?
Why am I asked for a code when I log in?
Two-step verification is an important security tool to help ensure you are the only one accessing your account information. By entering the code received at your number, the system knows it's you.
When initially setting up two-step verification, you will enter a phone number to receive a simple verification code via text or call. This is a one-time set up, so ensure that you have access to this phone while completing these steps. Each time you log in on a new device, you will receive a code at the phone number originally provided.
Do I need to get a verification code every time I log in using my browser?
No. Check the Don’t ask for codes again while using this browser box if you do not want to receive a verification code or phone call each time you log in. If you prefer to input a confirmation code with each use, you can leave the box unchecked.
If you have your web browser set to clear your cache when closed, you may still be asked to enter a verification code even if the box is checked.
Why am I getting an error that says, "Your account needs attention"?
This error is present during the login process and typically means that your account has been locked. This can happen for a variety of reasons but is easily resolved. Please contact us at 800.943.8488
or chat with us for assistance unlocking your account.
Why am I getting an error that says, "Oops: The information you provided doesn't match what we have on file"?
This error is present during the login process and typically means that your account information does not match our records. Please contact us at 800.943.8488
to verify your information on record.
Using Online Banking
On what devices can I access SMB Online?
You can access SMB Online on a smartphone, tablet, and computer.
- Log in at www.smbonline.com
- Download the SMB Online app from the Google Play or Apple Store
Which Internet browsers can I use to access my accounts online?
Your online banking safety and security is a top priority and we recommend that you use a modern, supported browser when banking online to make sure you're protected.
SMB Online only supports the latest versions of:
- Microsoft Edge
Please keep your browsers up-to-date to ensure safe browsing and uninterrupted access to online banking.
Can I change my SMB Online ID and Password?
You can change your ID and password at any time in SMB Online. Click on your name from the bottom of your menu, go to Settings and select Security. Click on Edit next to Username or Password to make changes.
Which accounts can I access through online banking?
You may access your checking accounts, savings accounts, money market accounts, Certificates of Deposit, Individual Retirement Accounts (IRAs), loans, and lines of credit; on which you are a primary owner, joint owner, or co-signer.
Is there an easy way for me to ask questions about my accounts within online banking?
Yes, you can send us secure messages right from your SMB Online. When viewing an account or transaction, you have the option to Ask us about this transaction making it easy to get your questions answered.
Can I access my SMB Credit Card in my SMB Online?
SMB Credit Cards can be linked to your SMB Online by selecting Connect institution and searching for Southwest Missouri Bank Credit Card. This gives you the ability to view your card balance and transactions. To make a credit card payment, visit your online bill pay.
How current is the account information I access through online banking?
Items posted to your account and pending items are viewed in real time.
How do I search for transactions?
Account transactions can be searched by amount, date, tags, etc. To search, go to your account transactions and select the magnifying glass icon.
How much account history do I have access to?
You will have immediate access to 120 days of account history. After approximately thirty days, you will have access to the last year of account activity. Electronic statement customers can find the past 18 months of statements in the Statements & Notices section.
Where can I find my account number?
Your account and routing numbers are listed in the Account details of your account. Click on any of your accounts in SMB Online to view this information.
Where can I find copies of my check images?
Simply find the check you'd like to view and click on the green image.
How do I change the order of my accounts?
Select Accounts from your menu, scroll to the bottom of your account list, and click Organize accounts.
How do I hide an account from my SMB Online?
Click on the account you wish to hide, select Settings and toggle the slider off next to "Display in online and mobile banking".
How do I export my account transactions?
When viewing your account activity, choose the download option next to the print icon at the top of the Transactions card.
From which accounts can I transfer funds?
You may transfer funds from checking, savings, money market accounts, or a line of credit*. Transfers can be made to a loan, line of credit, checking, savings, or money market account. Certificates of Deposits and Individual Retirement Accounts (IRAs) only have viewing capabilities.
* Ask your lender about online transfers from your line of credit.
How late in the evening can I make transfers?
You may make transfers 24/7. Any transfers made before 9:00 p.m. will be credited the same business day. Transfers scheduled on weekends or bank holidays will be credited the next business day.
How do I transfer money between my accounts at another bank with online banking?
We have great options for moving money between your accounts at another bank.
- External Transfers allow you to transfer funds to and from your SMB accounts and your accounts at other financial institutions. To add an external transfer account, you may do so in the Transfers section. Fees may apply.
- Our bill pay allows you to send money to another account via our Pay a person options. To access all pay a person options at setup, log in using your browser and visit your Payments Dashboard. Once the payee is set up, payments can be scheduled via app or browser. Fees may apply.
Debit Card Controls
I lost my debit card. What do I do?
Find your card under Card management
, toggle the slider to lock your card. This keeps your card locked until you turn it back on.
If your card is permanently lost or has been stolen, you may cancel your card by selecting Report lost/stolen
. Come into a branch or give us a call at 800.943.8488
to request a new one.
Do I need to let you know when I'll be using my card out of state?
When using your debit card out of state, the transaction may be flagged as unusual card activity, treated as potential fraud and declined for your protection. Notifying us of your travel plans before your trip lets us know you are in control of your card. You can notify us by clicking the airplane icon in your Card management and selecting Add travel notice. Enter your trip information and we'll know you are in control of your card.
Can I activate my debit card in my SMB Online?
Tap on your card in Card management and you'll see the option to Activate new card. Please make sure you have received your new debit card prior to activating it.
How do I set up account alerts?
Alerts are unique for each account, so you can set the alerts to work best for you. To set up your alerts, click your account and choose Alert preferences. There is a Balance and a Transaction section. Choose + Add alert and fill out the details. You can choose to be alerted by text, email, and/or in-app message.
When using the SMB Online app, you can enable notifications on your device and get alerts sent to your lock screen.
How do I edit or delete an alert I'm receiving?
To view your existing alerts, click your account and choose Alert preferences. Your existing alerts will be listed and each will have an Edit option. Choose Edit to change the amount, notification method, or remove the alert all together.
What is Online Bill Pay
Bill Pay is a service that allows you to pay virtually anyone or any company from your checking account through your SMB Online. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.
Bill Pay Demo
Who can I pay with bill pay?
You can pay businesses and individuals with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, credit cards, and individuals such as a landlord, babysitter or relative.
How do I enroll in bill pay?
Log in to your online banking from your browser and click on Payments. It will walk you through enrollment. Once enrolled, you can create new payees and schedule payments in your app.
How do I pay a bill in SMB Online?
Visit Payments and choose Pay a bill to get started.
How do I pay a person?
Visit Payments and choose Pay a person to get started.
To access all pay a person options at setup, log in using your browser and visit your Payments Dashboard. Once the payee is set up, payments can be scheduled via app or browser.
Fees may apply.
How do I edit a scheduled payment?
Visit Payments, select the pending payment, click Edit. You can change the amount, date to be paid, and delete the payment all together.
Can I pay from more than one account?
When enrolling you can select more than one account to make payments from. To add another checking account not selected at enrollment, log in using your browser and go to your Payments Dashboard. Select My Account and choose + Add Account from the Pay from accounts section. We will verify you are an owner on the account and will notify you when the account is ready to use for payments.
Can I pay bills using Alexa?
Yes. To begin paying bills with Alexa, log in using your browser and go to your Payments Dashboard. Select My Account and choose + Add Alexa from the Voice bill pay section. It will ask you to create a password that will be used for the Alexa skill set up process only. You will need an account with Amazon, a mobile device with the Alexa app installed, and an Alexa enabled device to use this feature.
Can I pay multiple bills at one time?
When logged in using your browser, select Pay a bill and choose Multiple or go to your Payments Dashboard.
Are there any fees to use bill pay?
What if I need a payment to get there sooner?
To view Rush delivery options, log in using your browser and go to your Payments Dashboard. Choose Rush delivery next to the bill you wish to pay. You'll see the delivery options available. There is guaranteed on-time delivery for all rush payments. If not, you will be refunded up to $50 in late fees. Please see additional guaranteed delivery information within bill pay. Fees apply.
When will payments be deducted from my account?
The funds for electronic payments will be withdrawn from your account on the date you specify as the payment date. For checks, the money will be withdrawn out of your account when the paid item is received by the bank, just like any other check you would write.
How are online payments delivered?
Payments are sent one of two ways – electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
Is bill pay secure?
Paying bills through SMB Online is one of the safest ways to pay your bills. You have flexibility and control of your payments with real-time access to your payment activity. Only you can access your account information, account numbers, and payment history. It also helps guard against identity theft from lost or stolen checks.
How long does it take before my payment is received?
Generally, your payment is received within 2 to 7 days, depending on whether it is sent electronically or via paper check.
How do I set up a recurring payment?
When scheduling your payment, select More options. Click Frequency and choose from the options how often you would like the payment to be made. You can edit your recurring payments when needed.
What is Zelle?
Zelle is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes . With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into SMB Online and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.
To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle. If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your Southwest Missouri Bank account, typically within minutes1.
How do I get started?
It’s easy — Zelle is already available within the SMB Online mobile app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
Not available for businesses.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle
at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Southwest Missouri Bank so you can use it for Zelle
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Southwest Missouri Bank account so you can start sending and receiving money with Zelle
through the SMB Online mobile app and online banking. Please call Southwest Missouri Bank customer support toll-free at (800) 943-8488
How does Zelle work?
When you enroll with Zelle through SMB Online, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Southwest Missouri Bank). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies Southwest Missouri Bank of the incoming payment. Southwest Missouri Bank then directs the payment into your Southwest Missouri Bank account, all while keeping your sensitive account details private.
Is my information secure?
Keeping your money and information safe is a top priority for Southwest Missouri Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your Southwest Missouri Bank account safe.
Who can I send money to with Zelle?
You can send money to friends, family and others you trust1 even if they have a different bank or credit union.
Since money is sent directly from your Southwest Missouri Bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
I’m unsure about using Zelle to pay someone I don’t know. What should I do?
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle.
These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
What types of payments can I make with Zelle?
Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your Southwest Missouri Bank account to another person’s bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Can I pay a small business with Zelle?
Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your SMB Online using just their email address or U.S. mobile number.
Neither Southwest Missouri Bank nor Zelle offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle internationally?
In order to use Zelle, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle
. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at (800) 943-8488
for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle
, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call our customer support team at (800) 943-8488
so we can help you.
Are there any fees to send money using Zelle?
We do not charge a fee1 for using Zelle.
However, fees associated with text messaging may be assessed by your mobile carrier and data rates may apply. In addition, fees may apply if you use Zelle through another institution or through Zelle’s separate Transfer Service website or mobile app. We reserve the right to assess fees in connection with the Zelle in the future. If we do assess fees, we will give you reasonable notice as required by law and we may deduct any applicable fees from the funding account used for the transfer transaction.
Are there any limits for sending and receiving money with Zelle?
The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Southwest Missouri Bank’s send limits, call our customer service at (800) 943-8488
There are no limits to the amount of money you can receive with Zelle
. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?
If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle.
Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle
, you do not need to take any further action. The money will be sent directly into your Southwest Missouri Bank account, typically within minutes1
If you have not yet enrolled with Zelle
, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Southwest Missouri Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number to ensure you receive your money.
How long does it take to receive money with Zelle?
Money sent with Zelle
is typically available to an enrolled recipient within minutes.
If you send money to someone who isn’t enrolled with Zelle
, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle
and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please give the Southwest Missouri Bank customer support team a call toll-free at (800) 943-8488
or get in touch through our support page.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
How can I send money to another person?
Pay a person payments allow you to send money electronically to family and friends via email, routing and account number, or by check.
Are there any fees to send money with the Pay a person options?
There is a $1 fee per transaction when sending payment via email. It is free to send money electronically using the routing and account number and by mailing a check.
How do I send money using email?
Click on the Pay a person in your SMB Online. Select + Add a person and enter their name and email. You will create a keyword at that time. They'll receive an email and will be asked for the keyword. Once they enter the keyword, they'll be asked to enter their account and routing number using a secure site. This is a one-time step and once they've entered their account information, you can send payment to them electronically anytime you need. The recipient will just receive an email notifying them that you're sending them money. No action is required on their part.
There is a $1 fee per transaction when sending payment via email.
How do I send someone money using their routing and account number?
To create this payee, you'll need to first log in using your browser and go to your Payments dashboard. Select + Payee and select Pay a person. Choose Direct deposit (Electronic) from the options and follow the simple steps.
The payment will be sent electronically with no action required on the recipient’s part.
How soon will they get the money I send?
Electronic pay a person payments are received within 1-2 business days.
How do I pay someone via check?
To create this payee, you'll need to first log in using your browser and go to your Payments dashboard. Select + Payee and select Pay a person. Choose Check from the options and follow the simple steps.
The check will be mailed to the address provided and the funds will be withdrawn from your account when the recipient cashes or deposits the check.
What is Mobile Deposit?
Deposit allows you to deposit checks from your SMB Online app – anywhere in the United States. To make a deposit, simply take pictures of the front and back of an endorsed check.
How do I endorse my checks?
Checks must be endorsed with “Mobile Deposit Only” followed by your signature.
Is Mobile Deposit available for businesses?
How do I enroll to use Mobile Deposit?
- Log in to your app
- Select Deposit checks from your menu
- Follow the steps and choose the accounts you wish to deposit into.
- We'll send you an email when your Mobile Deposit is ready to use!
*Rules and restrictions apply
What type of device do I need to make a Mobile Deposit?
All you need is your iPhone, iPad, or Android with our SMB Online App. Make sure you have the latest version of our app.
How do I deposit a check using Mobile Deposit?
- Tap Deposit on your SMB Online Dashboard
- Enter the check amount and tap Continue.
- Take pictures of the front and back of your endorsed check. Checks must be endorsed with "Mobile Deposit Only" and your signature.
- Select the account you'd like the check deposited into.
- Tap Submit.
When will my funds be available?
Deposits submitted before 5 PM CST on a business banking day will generally be available the next business day.
What kind of checks can I deposit?
You can deposit personal and payroll checks, money orders, U.S. Treasury checks and travelers checks made payable to you and drawn on a bank within the United States.
International checks, U.S. savings bonds, convenience checks (checks drawn against a line of credit), third party checks, joint payee checks, and cash are not eligible for Mobile Deposit.
How many checks can be deposited at a time?
Only one check per deposit. This is because each check is considered a separate deposit. However, you can make multiple deposits in a single mobile session. You may deposit up to three checks, totaling no more than $1,500 on any given banking day and up to 10 checks totaling no more than $5,000 in any given month.
Do I need to use a deposit slip to make a deposit through Mobile Deposit?
No. You will only need to take a picture of the front and back of the check being deposited.
How will I know that my deposit was accepted?
You’ll receive an email confirmation that the deposit has been approved. The check will be posted once the deposit has processed.
What should I do with my check after I’ve deposited it?
After you complete your transaction, hang on to your check for 60 calendar days to make sure it clears with no issue – then destroy it.
Can a deposit be rejected?
Occasionally, deposits can be rejected. When that occurs there are specific reasons for rejecting the deposit. These reasons can include:
- Images unreadable: This means check images cannot be read by the system.
What to do: If this occurs, please take new images and try your deposit again.
- Invalid check type: Includes savings bonds, insurance drafts or foreign checks.
What to do: Please do not try and deposit these types of checks using Mobile Deposit.
- Duplicate check deposit: This means the check has previously been deposited.
What to do: Verify that you have received a previous credit for the deposit.
- Other issues: There may be other issues present with the check, such as a missing endorsement signature or amounts that do not match.
What to do: Please refer to any messages you receive for further instructions.
Is there a fee to use Mobile Deposit?
There is currently no charge for use of Mobile Deposit.
You may be charged access rates depending on your mobile carrier. Internet access is needed to use Mobile Banking. Check with your service carrier for details on specific fees.
Electronic Statements & Notices
How do I sign up for electronic statements
Click on your account and choose Statements & Notices to begin the enrollment process. You must have an email address to receive electronic statements.
How do I access my electronic statements?
Click on your account and choose Statements & Notices. You will see a dropdown with accounts to view and a list of electronic statements and notices available. You will receive an email notifying you each time you have a new statement available.
Will I continue to receive a paper statement?
No, when you enroll an account for electronic statements, you will no longer receive a paper statement for that account.
Who can receive electronic statements on an account?
Each account owner can sign up and receive electronic statements.
An additional recipient can also be added by an account owner to receive statements - accountant, bookkeeper, etc. To add an additional recipient, access your Statements & Notices and select Additional Recipients. You will create a username and PIN for them to use to access the statements.
How far back can I access my statements?
Your electronic statements can be accessed for 18 months. From the time you sign up, you begin building your statement history.
Can I have electronic statements without having online banking?
No, electronic statements are accessed from within your SMB Online banking.
How do I change my email address the statement notifications go to?
To update your email, access your Statements & Notices and choose Email settings.