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SMBonline NetTeller FAQs

Find answers to common questions about NetTeller online banking and PowerPay; the easy online bill payment solution from Southwest Missouri Bank that will save you money.

Getting Started with Online Banking

Q: What is SMBonline NetTeller banking?
A: SMBonline NetTeller banking is a secure and convenient way to access your accounts using the Internet. You can access and print 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 your bills the easy and economical way with our PowerPay bill pay.

Q: Is there a cost to use SMBonline NetTeller?
A: 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 ACH, Wires, Remote Deposit Now, or Positive Pay, you will be interested in our Cash Management product.

Learn more about Cash Management >>

Q: Do I have to register to use SMBonline NetTeller?
A: Yes. If you are a consumer, you can enroll yourself by completing a simple online enrollment. This auto-enroll feature will give you immediate access to your accounts online.

If you are a business, you can complete an application online and you will receive your SMBonline login information by mail. You can always stop by any of our locations to apply.

Consumer Auto Enroll >>

Business Application >>

Q: If I open a new SMB account how soon can I start using online banking?
A: There are two ways to enroll for online banking:

  1. After your new account has been added to our system, you may auto enroll on your computer, smartphone, or tablet and access your account online right away.
  2. We can sign you up at account opening and you will receive a letter in the mail with your SMBonline ID to sign in for the first time.

If you already have online banking your new account can be added to your existing online banking.

Using SMBonline Internet Banking

Q: Can I change my SMBonline ID and Password?
A: Yes, you can assign an alias to your original SMBonline ID. The alias cannot begin with a number but may use any other combination of letters or numbers up to 12 digits. The SMBonline password may be changed as often as you like, however, we will prompt you to change it at least once a year. Simply click on the Options tab and make your changes.

Q: What if I forget my SMBonline password?
A: For security purposes, three consecutive invalid sign-on attempts will disable your SMBonline account. If you lock yourself out or forget your password you can use the "Reset Password" link on the log in page. Using this option will require that you have a valid email address, and have already created a personal question and answer.

More Info on Password Reset >>

Q: I created an alias for SMBonline ID but cannot remember it. How do I get logged into online banking?
A: Simply use the original SMBonline ID that was assigned to you when you first registered for online banking. Once you are logged on, you can view your alias and/or create a new alias by clicking the Options tab. If you do not have your original ID that was assigned to you, you may call us at (800) 943-8488 or chat with us and we’ll email it to your email address on file.

Q: Can I name my accounts?
A: Yes, you create and change the pseudo names on your account as much as you'd like. You may do so by clicking the Options tab and selecting the Account subtab. You can also click and drag your accounts to reorder.

Q: How do I stay protected while banking online?
A: We take numerous steps to keep your accounts and personal information secure. There are steps you can take to protect yourself as well.

Protect yourself >>

Q: Which accounts can I access through online banking?
A: 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.

Q: How current is the account information I access through NetTeller?
A: Items posted to your account and pending items can be viewed in real time.

Q: What do Current Balance and Available Balance mean on the transaction listing page?
A: The Current Balance is the amount that was in your account at the close of business the previous day. The Available Balance is the Current Balance plus any pending transactions and available overdraft protection you may have.

The balance listed on your Account List and My NetTeller page is your balance including pending transactions and does not include any overdraft protection you may have.

More Info on Overdraft Protection >>

Q: Where can I find copies of my check images?
A: Simply find the transaction you'd like to view and click on it. This will open a new window for you to view a copy of the check image.

Q: Can I send a secure message within online banking?
A: Yes, you may send us a secure message by clicking Message Center at the top right of your online banking. Select New to begin.

Q: Can I download my account information to my financial management software?
A: Yes, you can download account information to Quicken, QuickBooks, or a spreadsheet or budgeting program such as Excel. The information may also be saved as text and exported to your favorite word processing software.

When downloading your account information, save the information to a designated folder on your computer or specify the destination required for Quicken or QuickBooks. To retrieve the saved account information, please follow the instructions on your software program (Quicken, QuickBooks, etc.)

Making Transfers

Q: From which accounts can I transfer funds?
A: 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.

Q: How late in the evening can I make transfers?
A: You may make transfers 24/7. Any transfers made before 8:30 p.m. will be credited the same business day. Transfers scheduled on weekends or bank holidays will be credited the next business day.

Q: How do I transfer money between my accounts at another bank with online banking?
A: We have great options for moving money between your accounts at another bank.

  1. Interbank Transfer is a money movement tool that allows you to transfer funds to and from your SMB accounts and your accounts at other financial institutions. For details and information about getting started, visit our Interbank Transfers page.

Learn more about Interbank Transfers >>

  1. PowerPay allows you to send money to another account via our Person2Person options. For details and information about getting started, see our Using PowerPay Bill Payment with P2P section .
Using the My NetTeller Page

Q: What is the My NetTeller page?
A: The My NetTeller page allows you to customize your home screen with the information you’re interested in most. You may rearrange and hide the information boxes, known as widgets, to display only the information you want and need.

Q: How do I make My NetTeller my start page when I sign into NetTeller?
A: Check the box next to Set as Start Page at the top left on your My NetTeller page.

Q: How do I customize the widgets on the My NetTeller page?
A: Click on the Configure This Page link at the top left to remove, rearrange, and add widgets. You may also click the X at the top right of each widget to remove from your screen.

Q: Can I hide an account I do not want to see?
A: You may hide accounts on your My NetTeller page by selecting the gear icon on the My Accounts widget and selecting the accounts you would like to view. This does not hide the accounts from your Account List or from being a transfer option.

Managing Debit Cards

Q: Can I cancel my debit card online?
A: Yes, if your debit card has been lost or stolen, you may turn it off within your online banking. Click the Options tab and select ATM/Debit Card and you will see a list of your debit cards and the debit cards belonging to joint owners on your accounts. You will check the Lost/Stolen box next to the debit card you wish to cancel. Once a card has been reported as Lost/Stolen, it cannot be reversed. Come in to any branch for an Instant Issue debit card or call us at (800) 943-8488 to order a replacement card.

Q: How can I activate my debit card online?
A: Click the Options tab and select ATM/Debit Card and you will see a list of your debit cards and the debit cards belonging to joint owners on your accounts. If there is a card available for activation, check the box next to the debit card you wish to activate. Please make sure you have received your new debit card prior to activating it.

Q: Can I freeze my card online?
A: You may only freeze your debit card within your SMB Mobile app.

Learn more about SMB Mobile >>

Account Alerts

Q: How do I set up account alerts?
A: Click the Options tab and select the Alerts subtab to get started. Select the type of alert you would like to receive and how you would like to receive it – text, email, or within online banking.

Q: How do I edit or delete an alert I'm receiving?
A: Go to Alerts and select Edit Alerts to the right of the category you wish to change.

Using PowerPay Bill Pay

Q: What is PowerPay?
A: PowerPay is a service that allows you to pay virtually anyone or any company through your online banking account. 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.

PowerPay Demo >>

Q: Who can I pay with PowerPay?
A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills, credit cards, or individuals such as a landlord, babysitter or relative.

Q: How do I enroll in PowerPay?
A: Log in to your NetTeller account from your browser and click on the PowerPay Bill Pay tab. Then select the checking accounts you would like to use to make payments.

Q. Can I use PowerPay in my SMB Mobile app?
A. Yes, once you've enrolled in PowerPay you may make and edit payments right from your mobile app. We're always adding new features to ensure you can bank on the go. To learn more about what PowerPay features are available on mobile, visit our PowerPay for Mobile page.

PowerPay for Mobile >>

Q: Can I pay from more than one account?
A: When enrolling you can select more than one account. To add another checking account not selected at enrollment, click the PowerPay Bill Pay tab in your browser and select My Account. Choose Add Account from the Pay from accounts option. We will verify you are an owner on the account and will notify you when the account is ready to use for payments.

Q: How do I add a payee?
A: To add the person or company you wish to pay, you will:

  1. Log in to NetTeller online banking.
  2. Click the PowerPay Bill Pay tab.
  3. Click the Add a Payee button on your bill pay dashboard.
  4. Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Q: How do I schedule a payment?
A: Once your payee is added, you will enter the payment amount and date to be paid. Double check to make sure the payment information is correct and click Pay.

Screenshot

Q: How to I schedule multiple payments at one time?
A: After you've entered payment amounts and dates for multiple payees in your dashboard, you may Review all payments or Submit all payments.

Screnshots

Q: Are there any fees to use PowerPay? 
A: Consumer PowerPay bill pay is a free service for you to enjoy. There are a few special services that we offer that do include fees: Rush Payments, Gift Payments, and P2P Email Payments.

Q: What if I need a payment to get there sooner?
A: Click Rush Delivery beneath the Pay button and choose from the available delivery and fee options. 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 PowerPay.

How PowerPay Works

Q: When will payments be deducted from my account?
A: On electronic items, the funds 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.

Q: How are online payments delivered?
A: 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.

Q: Is PowerPay secure?
A: Paying bills online is one of the safest ways to pay your bills. PowerPay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q: How long does it take before my payment is received?
A: Generally, your payment is received within 2 to 7 days, depending on whether it is sent electronically or via paper check.

Q: How are the scheduled payments processed with PowerPay?
A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Q. How do I set up a recurring payment?
A: Click Make it Recurring beneath the Pay button. From there, you will select the payment amount, frequency, first payment date of the recurring series, and the date you would like the payments to stop if applicable.

Q: Can I change or cancel a recurring payment? 
A: Yes, you can edit the send date and amount on your next scheduled payment without affecting future payments. You can also skip a scheduled payment or stop the recurring payment completely.

PowerPay Benefits

Q: What are the primary benefits of PowerPay?
A: Here's a quick list of the many ways you can benefit from using PowerPay.

  1. Save time. With PowerPay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks.
  3. Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With PowerPay, there are no checks to write or envelopes to mail. That's good news for you and the environment.
What is P2P?

P2P (Person2Person) payments allow you to send money electronically to family and friends via email or text message. You also have the option to send payments electronically using a routing and account number or by check. P2P payments can be sent using PowerPay and your SMB Mobile app.

Sending P2P Payments via Email or Text

Q: Are there any fees to send money with SMB’s P2P payments?
A: There is a $1 fee per transaction when sending payment via email or text.

Q: Will any personal information be shared with my recipient?
A: None of your personal account or financial information will be shared with your recipient. In order to process your transaction, we will share your name, but will not share any other personal information.

Q: How do I send a P2P payment via email or text?
A: Click on the PowerPay tab in NetTeller. Then, click the Pay a Person tab or the Add a Payee button. Select the email or text message option and follow the simple steps. You will receive a notification via email/text when the transfer is completed.

You may also set up a new P2P email payee on your SMB Mobile app in your PowerPay tab. P2P payments by text are not yet available in the SMB Mobile app.

Q: What recipient information do I need?
A: All you'll need is the recipient's email address or mobile phone number. During the set-up process, you will have created a keyword that you will communicate to the recipient. The system uses the email address or mobile phone number provided and the secret keyword to identify the recipient. They will receive an email from Southwest Missouri Bank with instructions on how to direct the payment into their bank account. They have nine days to enter their account information and accept the payment or the transaction will be void. After the initial payment, the recipient will be listed in your payee list. In the future, the recipient will just receive an email/text notifying them that you're sending them money. No action is required on their part.

Q: Does my recipient need an account at Southwest Missouri Bank?
A: An account with SMB is not required to receive a P2P payment. They will receive an email or text from SMB with a secure link to enter their personal bank routing and account number.

Q: When will P2P payments via email or text be deducted from my account?
A: The funds will be withdrawn from your account on the date you specify as the payment date. If you’ve scheduled a P2P payment to be paid on a future date or as a recurring payment, funds will be deducted from your account on the business day the payment is scheduled to be initiated.

Q: How soon will my recipient get the money I send?
A: Electronic P2P payments are received within 1-2 business days.

Q: What happens to the payment if the recipient does not accept the deposit request?
A: The payment will be canceled and the full payment amount plus any associated fee will be returned to your account. Both you and your recipient will be notified that this has occurred.

Q: Can I cancel a payment?
A: Yes, you can cancel any P2P payment that has not yet been claimed by the recipient. Pending payments will be accessible to the right of your PowerPay dashboard. You have the option to cancel any payment that is still pending. Your recipient will be notified if you cancel a payment after a payment notification has been sent.

If the recipient has already accepted the payment, you can attempt to recoup your money by filing a payment dispute. To do this, contact Bill Pay Support at (800) 517-8564 anytime between 6:30 a.m. and 1:30 a.m. CST.

Q: Can I change or cancel a recurring payment?
A: Yes, you can edit the send date and amount on your next scheduled payment without affecting future payments. You can also skip a scheduled payment or stop the recurring payment completely.

Q: What if I accidentally entered the wrong email address or mobile phone number?
A: It’s always good practice to double-check your contact information before sending a payment. If money is sent to a recipient you didn’t intend, they cannot claim the money without the secure keyword you created.

Sending P2P Payments via Direct Deposit using Routing and Account Number

Q: Are there any fees to send money electronically using a routing number and account number?
A: There is not a fee to send money using someone’s routing and account information.

Q: Will any personal information be shared with my recipient?
A: None of your personal account or financial information will be shared with your recipient.

Q: How do I send a P2P payment via Direct Deposit?
A: Click on the PowerPay tab in NetTeller. Then, click the Pay a Person tab or the Add a Payee button. Select the Direct Deposit option and follow the simple steps.

You may also set up a new payee on your SMB Mobile app in your PowerPay tab.

Q: What recipient information do I need?
A: You will need the recipient’s bank routing and account information. The payment will be sent electronically with no action required on the recipient’s part.

Q: When will P2P payments via Direct Deposit be deducted from my account?
A: The funds will be withdrawn from your account on the date you specify as the payment date. If you’ve scheduled a P2P payment to be paid on a future date or as a recurring payment, funds will be deducted from your account on the business day the payment is scheduled to be initiated.

Q: How soon will my recipient get the money I send?
A: Electronic P2P payments are received within 1-2 business days.

Q: Can I cancel a payment?
A: Yes, you can cancel any P2P payment that is still pending. Pending payments will be accessible to the right of your PowerPay dashboard.

Q: Can I change or cancel a recurring payment?
A: Yes, you may change or cancel your next scheduled payment at any time before the send date. If you wish to edit the next scheduled payment, you can update the send date and amount without affecting future payments.

You can also edit or cancel the entire recurring payment at any time.

Sending P2P Payments via Check

Q: Are there any fees to send money via check?
A: There is not a fee to send a check payment.

Q: How do I send a P2P payment via check? 
A: Click on the PowerPay tab in NetTeller. Then, click the Pay a Person tab or the Add a Payee button. Select the Check option and follow the simple steps.

You may also set up a new payee on your SMB Mobile app in your PowerPay tab.

Q: What recipient information do I need? 
A: All you need to send a check payment is a name and address to be mailed.

Q: When will P2P payments be deducted from my account? 
A: The funds will be withdrawn from your account when the recipient cashes or deposits the check and it clears your account.

Q: How soon will my recipient get the money I send?
A: Check P2P payments are received within 5-7 business days.

Q: Can I cancel a payment? 
A: Yes, you can cancel any P2P payment that is still pending. Pending payments will be accessible to the right of your PowerPay dashboard. A stop payment can be placed on a check that has been issued for a fee.

Q: Can I change or cancel a recurring payment?
A: Yes, you may change or cancel your next scheduled payment at any time before the send date. If you wish to edit the next scheduled payment, you can update the send date and amount without affecting future payments. You can also edit or cancel the entire recurring payment at any time.

eBill

What is eBill?
A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your PowerPay account.

How do eBills work?
A: eBills are delivered directly to your PowerPay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Will I still receive paper statements when I have eBill?
A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

How will I know if eBill is available for a payee?
A: If a payee offers eBill, there will be a Set up eBill link next to their listing on your PowerPay dashboard.

What are the primary benefits of eBill?
A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your Bill Pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

What information is included in an eBill?
A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, eligible payees will have a link that lets you view a PDF of your current bill to view, download, or print.

How do I pay an eBill?
A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

How do I know when I have received an eBill?
A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

Gift Pay

Q: What is Gift Pay?
A: Gift Pay is a feature that allows you to send gift and donation checks directly from your PowerPay account.

Q. How does Gift Pay work?
A: Enter the name and address of the individual or charity, choose the amount you'd like to send, and we'll print and mail the check for you.

Q: Are there fees associated with Gift Pay?
A: Fees do apply when sending a gift or donation check. Ask your banker for more information or view fee information within your PowerPay.

eStatements

Q: How do I sign up for electronic statements?
A: Click on the eStatements-Plus tab in NetTeller to begin the enrollment process. You must have an email address to receive eStatements. You may select the accounts you would like to enroll in eStatements.

Q: How do I access my eStatements?
A: Once enrolled in eStatements, you will receive an email notifying you when your statement is available. You can then log in to your online banking to view your statements in the eStatements-Plus tab.

Q: Will I continue to receive my paper statement?
A: No, when you enroll an account for eStatements, you will no longer receive a paper statement for that account.

Q: What accounts can I access eStatements for?
A: You will be able to access eStatements for the accounts and loans listed in your online banking that you have signed up for eStatements. You must be an owner or authorized signer of an account in order to have eStatements.

Q: Where can I find copies of my check images?
A: Copies of check images are available at the bottom of each eStatement.

Q: How far back can I access my eStatements?
A: Your account statements can be accessed for 18 months. From the time you sign up, you begin building your eStatement history.

Q: Can more than one person receive an email alert when the eStatement is available?
A: Yes, click the Additional Recipient subtab at the top of the page under eStatements-Plus. You may send an email notification with a link to view the eStatement to another account owner or accountant. You will create a username and PIN for them to use to access the eStatement. This can only be done by the eStatement recipient and only one additional recipient can be added.

Q: Can I have eStatements without having online banking?
A: No, eStatements are accessed from within your online banking so you must have online banking to view your eStatements.

Q: Where can I find my account number?
A: eStatements display your full account number.

Q: How do I cancel my eStatements and begin receiving paper statements?
A: You my begin receiving paper statements instead of email notices and electronic statements by clicking the Documents and Settings subtab under eStatements-Plus. You may select which documents and accounts you receive electronically.

Q: How do I change my email address the statement notifications go to?
A: You may click Email Settings subtab under eStatements-Plus and enter your updated email address. Make sure to click Save Settings.

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