Frequently Asked Questions

An Itasca Bank & Trust Co. officer will review the way your customers are paying you to help determine if this solution makes sense for your business.

No, it is quite simple.  A representative from Itasca Bank & Trust Co. will come to your location, install your scanner and train your staff.

Actual cost savings will depend on the type of business.  An Itasca Bank & Trust Co. officer will discuss actual cost savings, such as travel and  other courier services, as well as intangible savings such as convenience and more effective staff time management.

Your Itasca Bank & Trust Co. representative will discuss technical specifications with you.

A Debit Card is a method for withdrawing funds from your checking account. It may be used to withdraw cash at an ATM machine. The Itasca Bank & Trust Co. Debit Card also carries the Visa® logo, and can be used anywhere that Visa® is accepted, and may be used for purchases instead of writing a check.

Yes. It gives you the ability to make deposits, cash withdrawals, and business purchases. Each Debit Card transaction is deducted directly from your business checking account, as if you had written a check. Your Debit Card is welcome at stores, hotels, service stations, restaurants, and businesses worldwide - wherever Visa® is accepted.

You can activate and PIN your debit card by calling 800-992-3808. Follow the prompts to activate your card and set a four digit PIN.

For your protection, you will be asked for a combination of personal information and card information. 

Once you have successfully entered a new PIN, you will hear, "Your PIN has been set."  You can begin using your new PIN immediately.

If you have three unsuccessful attempts at activating your card, you will be locked out of the automated system for one hour. Contact Customer Service at 630-773-0350 during business hours and we will verify that we have your most current information on file. If you have moved or changed your phone number without notifying Itasca Bank, you may be temporarily unable to activate your card. Once our records are updated, your card will be activated and ready for a PIN selection.

No. For your security, we are unable to access customer PINs. If you cannot remember your PIN or you would like to change it, call 800-992-3808.

Our Relationship Bankers will gladly assist you with activating your card. They will also be there to help walk you through the automated telephone system so you can select your PIN.

You can activate and PIN your card by calling 800-992-3808. You will be required to provide the phone number and zip code of the company you work for as well as other personal and card information.

Contact Customer Service during business hours to report your card lost or stolen. You can also call 800-554-8969 during non-business hours.

To insure your card is not restricted before you travel in the U.S. or internationally, call Customer Service between 8am-5pm Monday-Friday or 8am-1pm on Saturdays at 630-773-0350. You can also send us a secure message during business hours by signing into your Online Banking account. Click on the Menu, Messages, and on the green pencil icon to open up a conversation. The response to your message will be located in the Messages section in the Menu tab. Please allow 2 hours for a response.

Mobile Banking provides quick, secure account access from your mobile device, making it easy 
to see current account balances, view recent transactions, pay bills and transfer funds between accounts.

Absolutely. Itasca Bank & Trust Co.'s Mobile Banking, when used correctly, has been designed to ensure that only you have access to your account information. You can rest easy knowing that your transactions are secure when using our Mobile Browser and Mobile Application, which use the same encryption and security technology that we use for Online Banking. However, it is very important that you follow current security practices to keep information safe and secure while using your phone. For your protection, do not access your personal financial information while utilizing public Wi-Fi. Always make sure you are on a secure connection, such as your own cellular service. Never respond to text messages requesting private Itasca Bank & Trust Co. account information. Itasca Bank & Trust Co. will never ask you to provide private information via text message.

You must have Online Banking in order to access Mobile Banking.  You then download the Itasca Bank app from the Apple App Store or Google Play Store depending on your device. Sign in with your Login ID and Password that you use for your Online Banking account.

No. Itasca Bank & Trust Co.'s Mobile Banking will work on almost any mobile phone. If you can text message or have internet access, you can use Mobile Banking.

Yes, there is also an app for the iPad^®.

For more information about Mobile Banking, contact our Customer Service Department at 630-773-0350.

When sending an email to anyone at Itasca Bank & Trust Co., please do not include passwords, account numbers or any other confidential financial or personal information.

Click on Account Recovery at the bottom of the login screen. Fill out the five fields with the required information.

1. Choose Go to Login and login with your ID and password.
2. Choose Reset Password and you will receive a Secure Access Code sent to your mobile phone. 
3. Set a new password.

You will be able to pay bills using your mobile banking after accepting the terms and conditions for Bill Payment in the Menu, under the transactions tab and selecting Bill Payment. The Bill Pay app is a streamlined view on your mobile device. For the full look you will need to log in from a laptop, tablet, or desktop computer.

The Itasca Bank Mobile Deposit Service, available through our Itasca Bank Mobile Banking App, allows you to deposit a check directly into your eligible personal or business Itasca Bank checking, savings or money market accounts by taking a picture of a check using your mobile device. You must have online banking and mobile banking to use this service.

To enroll in Mobile Deposit, go to the Menu, then 'Services' in your online banking account. Use the drop-down to open and click on Mobile Deposit Enrollment.  You must accept the Mobile Deposit Service Terms and Conditions before you can be enrolled in Mobile Deposit.

Yes, and downloading the Mobile Banking App is convenient and simple. For your tablet, iPhone® and Android™ smart phones, you can simply search for "Itasca Bank and Trust" in the Apple App store or Google Play store, then download the app. Please log into the app using your Online Banking Login ID and Password.

You must have Itasca Bank's online banking to access Mobile Banking/Mobile Deposit.

Mobile deposits can be made into any of your available attached online banking transaction accounts.

Checks must be issued by a U.S. bank in U.S. dollars. You may use the Itasca Bank Mobile Deposit Service to deposit original paper checks that are made payable to the name of the account holder.

Listed are some checks that are not eligible for this service:

• Items that are not made payable to and endorsed by you.
• Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
• Checks payable jointly, unless deposited into an account in the name of all payees.
• Checks previously converted to a substitute check, as defined in the Expedited Funds Availability Act/Regulation CC.
• Checks drawn on a financial institution located outside the United States.
• Checks that are remotely created checks, as defined in the Expedited Funds Availability Act/Regulation CC.
• Checks not payable in United States currency.
• Checks dated more than six months prior to the date of deposit.
• Checks or items prohibited by the Bank's current procedures relating to the Services or which are otherwise not acceptable under the terms of your account.
• Checks with any endorsement on the back other than that specified in this Addendum.
• Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
• Checks that have previously been deposited or negotiated in any way via any method at Itasca Bank & Trust Co. or any other financial institution.

Endorse the check with your signature (or endorsement stamp) and write "For Itasca Bank Mobile Deposit Only" below the signature. If the check is not endorsed correctly, the Bank will have to reject it and you will need to find another way to complete your deposit. Please note that if you subsequently need to deposit the physical check due to the mobile transaction not processing, you may have difficulty at another financial institution refusing to accept the item for deposit.

The Mobile Deposit Service can be used 24 hours a day, seven days a week. Deposits made via Mobile Deposit before 4:00 PM Central Time are considered deposited on the current business day. Deposits made after 4:00 PM Central Time will be considered deposited the next business day. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our branches or at itascabank.com.

• Sign in to Mobile Banking.
• Choose the Transactions option in the menu.
• Click on Deposit Check.
• Choose an account, if you have multiple accounts.
• Enter the amount of your check.
• You will be prompted to take a picture/capture the front of your check. Make sure your check is clearly visible and include all four corners of the check. Take a picture of your check.
• Repeat the process to capture the back of your check.
• Please confirm your deposit details and if everything is correct, click "Submit" to deposit your check.
• If there was a problem with your deposit/image, you will see the message "Deposit Failed" and you will need to attempt your deposit again.
• If your deposit did not have any image issues, you will see the result "Deposit Sent Successfully".

A check deposit only takes a few minutes and you will know immediately if your check was submitted successfully. A successful submission does not guarantee deposit. Pending deposits made with ineligible checks may be rejected during the Review process. You should not assume that your deposit will credit to your account until you see that your deposit shows under the transaction detail in Mobile Banking.

There is a per item dollar limit of $3,000.

During a rolling 30 day period, there is a dollar limit of $10,000 and a maximum number of 10 deposits allowed.

If you exceed this limit, you will receive an error message related to the limit exceeded.

You can only submit one check deposit at a time and each check is considered a separate deposit. However, you can make multiple deposits in a single mobile session, but the total deposit amount cannot exceed the monthly deposit limit ($10,000) or monthly number of deposit limit (10).

When you submit your Mobile Deposit, it will remain in a pending status until it’s been reviewed and accepted. Once your deposit has been reviewed and accepted, it will credit to your account and will appear under the account’s transaction history in Mobile Banking as "Mobile Deposit".

• After completing the mobile deposit, mark the check in some fashion (e.g. such as "Mobile Deposit + the date of deposit"), immediately after you verify that the check has credited to your account. Regularly review your deposit transactions online or on the "Accounts" transaction history of your mobile phone to determine when the check has credited to your account.
• If your deposit cannot be credited for some reason, Itasca Bank may ask you to deposit the physical check.
• Securely retain your checks for 30 days after the checks are credited to your account and then securely destroy the checks that were deposited using Itasca Bank Mobile Deposit.

You may receive an error message on your device at the time of your deposit, or you may receive an email after Itasca Bank has reviewed the deposit. After your account is credited, if a check is being returned, you will receive a notice via U.S. mail.

No, if there is an error made in entering the amount, the deposit will appear to go through to the customer; however, the Bank will not be able to process it and it will show as a credit and a returned check on their account. The customer will need to deposit it by some other means (e.g. at a branch, via U.S. mail, etc.).

There is no charge for using the Itasca Bank Mobile Deposit Service. But check with your wireless provider about carrier, text, and internet fees that may apply.

Deposit Check History is available in the Mobile App under the Deposit Check function. You will be able to view an item list of the checks you deposited during the last 30 days.

In addition to login ID and password, we use multiple security layers, including advanced encryption.

For your added security, passwords and actual check deposit records or images are not stored on your mobile device. Additional ways to ensure security:

• Protect your tablet/phone password.
• Don't keep your password in a location accessible to others.
• Don't allow others to perform transactions for you.
• Periodically change your password by logging in to itascabank.com.
• Notify us if password security has been breached.
• Review your statements promptly and report any problems.
• Store your original checks in a safe place after depositing.
• Endorse the back of each check.
• Securely destroy each original check 30 days after it is credited to your account.

To access Mobile Deposit, you must be an iPhone, iPad or Android smartphone or tablet user. Mobile Deposit may not be available on older iPhone or Android devices.

Complete our Online Banking Application

Please note that your account(s) will be added to your online account within one business day after enrolling.

Click on the 'Forgot your password?' link at the bottom of the login box.  Submit your User ID on the next page. You will then choose how to receive a secure access code by either text, voice, or email. After you receive the secure access code, enter it in the box and hit submit. You will then be able to set a new password. Follow the instructions on the page. If this does not work, call Customer Service at 630-773-0350 during our business hours and they will be able to assist you.

You will be locked out of your account. Click on Account Recovery at the bottom of the login screen. Fill out the five fields with the required information. 

1. Choose Reset Password and you will receive a Secure Access Code on your mobile phone.

2. Set a new password.

Account Alerts are a great way to help you stay in control of your accounts and provide peace of mind. You can activate many types of alerts, and choose how to receive them either through email, text message*, or both. Learn more about account alerts.

All check images are online for 180 days. These images offer the front and back of the checks and can be printed.

Sign into your Online Banking, and in the Menu click the Services tab and select Stop Payment. Enter the information for the check you want stopped. Keep in mind there will be a $30 fee per stop payment request. The request is valid for six months.

Google Chrome (current and previous two versions), Mozilla Firefox (current and previous two versions), Microsoft Edge (current and previous version), Safari (current and previous two versions), Mobile app requirements: Android-5.x and later; Apple-iOS 13.x, iOS 12.x, iOS 11.x

Click on the Menu, Messages, and then on the green pencil icon to open 'create a message'.  The response to your message will be located in the Messages section in the Menu tab. Please note that this is not an 'instant message' and it could take up to two hours to receive a response.

Apple Pay® uses contactless payment technology (such as Visa® payWave) from an eligible Apple® device that allows merchants to receive customer payments. For more information on Apple Pay and a full list of participating stores and apps. More Apple Pay Information.

 Apple Pay creates an electronic version of your debit card, assigning it a device account number for added protection. Once created, you can use Apple Pay at participating merchants who accept this form of payment. 

Use your Itasca Bank debit card for Apple Pay. Be sure to set your Itasca Bank debit card as the "Default Card" on your Apple device.

Under settings on your device, select Wallet & Apple Pay under the "Transaction Defaults," click on "Default Card" and select your Itasca Bank card.

Before you can start making payments with your Apple® device, you will need to enroll in Apple Pay® and add your existing debit card. If your Itasca Bank card is on file with Apple iTunes and eligible for the service, you will be offered an option to use it as your default account for Apple Pay. You may add additional cards and will be prompted for a one-time entry of a few account details such as your name, card number, expiration date and the three-digit card verification value that can be found on the back of the card. Once you have completed these steps, Apple will create a digital version of your account and enable you to start making payments with Apple Pay. More information about Apple Pay.

Your 16-digit debit card number will be replaced with a device account number that can be securely stored on Apple devices and used for purchases. Your debit card number is NOT stored on the device or on Apple servers. This helps reduce the potential for fraud and simplifies checkout by eliminating the need for multiple card number entries when purchasing items in mobile applications (i.e., "in-app").

Immediately notify Itasca Bank by calling 630-773-0350 during business hours, and also your phone carrier if your phone is lost or stolen. Itasca Bank will place a hold on your device account number or virtual account number without impacting your Itasca Bank debit card. Your device account number is different than your actual card number, and, therefore, your Itasca Bank plastic debit card will not be affected and can still be used.

 To report a lost or stolen debit card, call Itasca Bank during business hours at 630-773-0350. After business hours call the Lost and Stolen Card Service Center at 800-554-8969.  We will cancel your card and issue you a new card. Once you activate your new card, you will need to follow the steps for enrolling that card in Apple Pay. 

Yes, Apple Pay has been designed to enable contactless payments internationally with participating stores. If you plan on using your Visa Debit Card when traveling in the U.S. or internationally, please contact Itasca Bank’s Customer Service at 630-773-0350 during business hours, before your trip, to insure your card is not restricted.

For in-store purchases, you do not need to be connected to the Internet or your wireless carrier. For in-app purchases, you do need to be connected to the Internet or your wireless carrier. Please note: wireless carrier data charges apply.

When shopping in-store, simply activate the payment functionality on your iPhone® 6 and hold the device in front of a contactless reader. The account number stored on the device will be transmitted directly to that contactless reader. 

No, your debit card number is not stored on the device or on Apple servers, and it is not passed to the merchant when using Apple Pay. Only a device account number is used with the merchant. This helps reduce the potential for fraud. 

A digital wallet uses contactless payment technology (such as Visa® payWave) from an eligible Android-enabled device that allows merchants to receive customer payments. More information about Google Pay.

Google Pay and other digital wallets create an electronic version of your Itasca Bank & Trust Co. debit card, assigning them device account numbers for added protection. Once created, you can use Google Pay at participating merchants who accept this form of payment.

Your 16-digit debit card number will be replaced with a device account number that can be securely stored on your devices and used for purchases. Your debit card number is NOT stored on the device or on Android servers. This helps reduce the potential for fraud and simplifies checkout by eliminating the need for multiple card number entries when purchasing items in mobile applications (i.e., "in-app").

Use your Itasca Bank debit card for Google Pay. Be sure to set your Itasca Bank debit card as the "Default Card" on your Android device.

Simply select the card you want from the home screen and touch "Set as default card." You can also hold and drag your card to the "Default Card" slot at the top of your Home screen.

Look for the app on your phone. Google Pay comes preloaded on several devices. If your phone doesn't have the app, simply download it from the Google Play store. Simply add your debit card. Add it to Google Pay by confirming a few details – it’s as simple as snapping a picture and start shopping. Simply unlock your phone and place it near a terminal at any of the over one million locations throughout the U.S. that accept contactless payments. More information about Google Pay.

Immediately notify Itasca Bank by calling 630-773-0350 during business hours, and also your phone carrier if your phone is lost or stolen. Itasca Bank will place a hold on your device account number or virtual account number without impacting your Itasca Bank debit card. Your device account number is different than your actual card number, and, therefore, your Itasca Bank plastic debit card will not be affected and can still be used.

Yes, Google Pay has been designed to enable contactless payments internationally with participating stores. If you plan on using your Visa® Debit Card when traveling in the U.S. or internationally, please contact Itasca Bank's Customer Service at 630-773-0350 during business hours before your trip, to insure your card is not restricted.

For in-store purchases, you do not need to be connected to the Internet or your wireless carrier. For in-app purchases, you do need to be connected to the Internet or your wireless carrier. Please note: wireless carrier data charges apply.

When shopping in-store, simply activate the payment functionality on your device and hold the device in front of a contactless reader. The account number stored on the device will be transmitted directly to that contactless reader.

No, your debit card number is not stored on the device, nor on Android servers and are not passed to the merchant when using the digital wallet. Only a device account number is used with the merchant. This helps reduce the potential for fraud.

Samsung Pay uses a contactless payment technology from an eligible Samsung device to allow merchants to receive customer payments. More information on Samsung Pay.

Samsung Pay creates an electronic version of your debit card, assigning it a device account number for added protection. Once created, you can use Samsung Pay at merchants accepting contactless payments, as well as mag-stripe /chip card terminals commonly deployed in stores where a card can be swiped.

Samsung Pay uses technology that allows users to transact with both contactless Near Field Communication (NFC) terminals, as well as at terminals without NFC functionality. Transactions occurring at non-NFC terminals are done using technology owned by Samsung Pay, called Magnetic Secure Technology (MST). MST allows you to make a transaction at virtually any terminal where you can swipe a card, excluding gas station pumps. 

Use your Itasca Bank debit card for Samsung Pay. Be sure to set your Itasca Bank debit card as the "Default Card" on your Samsung device.

Download the Samsung Pay app from your device’s app store. Once downloaded, you can add your preferred Itasca Bank debit card to the app. 

Add your Itasca Bank debit card to Samsung Pay by opening the Samsung Pay app after the download is complete. You can either use your device camera to capture an image of the card, or enter the card data manually. Then enter any additional information required. You may need to provide additional information to verify your card for security purposes.

Go into your device Settings, and create a Samsung account. Add a fingerprint and backup PIN. You can also use the phone's camera to scan the card information and then the account is secured with a fingerprint and backup PIN. More information on Samsung Pay.

For security purposes, we might ask you for additional information when adding your card to Samsung Pay. When prompted, contact Itasca Bank & Trust Co. at 630-773-0350 and ask to speak to a Customer Service Representative, The Customer Service Representative will activate your card and you can begin using your Samsung Pay app.

Security is our first priority at Itasca Bank, and Samsung Pay uses extra security measures to help keep transactions secure. You will receive an enrollment verification request when adding your card to Samsung Pay. Your card number is replaced with an encrypted digital token for each Samsung Pay transaction. Samsung Pay does not retain your card data, and your card information is not saved on your device. Purchases made using Samsung Pay are covered by Visa Zero Liability, so you won’t be held liable for unauthorized transactions.

If you believe you have been a victim of fraud related to your Itasca Bank accounts, notify us immediately at 630-773-0350, so we can take action to help you.

Immediately notify Itasca Bank by calling 630-773-0350 during business hours, and also your phone carrier if your phone is lost or stolen. Itasca Bank will place a hold on your device account number or virtual account number without impacting your Itasca Bank debit card. Your device account number is different than your actual card number, and, therefore, your Itasca Bank plastic debit card will not be affected and can still be used.

It's recommended that users turn on "Find My Mobile" in your Samsung account prior to enabling Samsung Pay. Find My Mobile can help users find lost devices, remotely lock a device, or erase the contents of a device. Find My Mobile can be found in the Security folder in your Samsung device settings.

To report a lost or stolen debit card, call Itasca Bank during business hours at 630-773-0350. After business hours call the Lost and Stolen Card Service Center at 800-554-8969. We will cancel your card and issue you a new card. Once you activate your new card, you will need to follow the steps for enrolling that card in Samsung Pay.