091310592

The bank can issue a stop payment on the check for a fee.

$25 is required to open a deposit account.

• Social Security Number
• A Current Driver’s License, State Issued ID, Passport , US Military ID or Native American Tribal ID

Every debit card has a default limit set; please reach out to us for more information.

Yes, you can control your debit card in the KBT Mobile App under “Cards”.

Yes, you can add your debit card into any of these Mobile Wallets:

• Apple Pay
• Samsung Pay
• Google Pay
• Fitbit Pay
• Garmin Pay

You can find all Kirkwood Bank & Trust ATMs listed here. You can also find any MoneyPass ATM at www.moneypass.com.

You can activate your card using the mobile app, follow the steps included with your new debit card or call 800.992.3808.

Contact us to report your card lost or stolen at:

• Bismarck: Monday – Friday, 8:00am – 5:00pm CST: 701.258.6550 or 800.492.4955
• Dickinson: Monday – Friday, 7:30am – 5:30pm MST: 701.483.1962 or 866.918.8074
• After Hours: 800.472.3272

Keep in mind, you can turn your card on and off in the KB&T mobile app.

You can reset your pin by using the mobile app or by calling 800.992.3808.

Please contact us at 701.258.6550 or 800.492.4955 to dispute any transactions you did not authorize.

Please contact us with your travel dates and countries you plan to visit prior to your departure.  Depending on current security alerts, we will assist you with access to your card during your travels.  We also suggest you download our mobile app as it has many useful features for monitoring your accounts. You can also manage your travel plans within our KBT Mobile App in “My cards”.

You can download your transactions to QuickBooks, Quicken or as a CSV file.

You can make a loan payment by transferring funds from your KBT bank account or set up automatic payments.

Yes. You can sign up to receive multiple alerts via email, text or push notification.

Yes, Account to Account Transfer is available. Please contact us at 701.258.6550 or 800.492.4955 as this feature needs to be activated by a Kirkwood Bank & Trust Team Member.

To enroll for Online Banking:

• Enroll Here
• Complete the First Time User Information and click “Enroll”
• Read the KBT Online Banking Agreement and click on “I Agree”
• Enter a new Access ID and Password and click “Continue”
• Complete the Security Data Information and Click “Continue”

You can change your password by clicking “Forgot Password” on the login screen or under the “Profile” tab once logged into Online Banking.

You can sign up for eStatements under the “Profile” tab in Online Banking.

The previous 7 years will be available to view.

As long as your child’s social security number is not tied to your accounts, he/she will not be able to view your accounts.

There is no fee for KBT Online Banking.

Any open accounts which are tied to your social security number are viewable; closed accounts are not available.

Your account number is located on your statement. Statements are available 24/7 through Online Banking.  You can also see your entire account number in the KBT Mobile App.

Click on the chosen account.  Click Documents. Select date range and Submit.

Your email address can be updated under the Profile tab.

For your security, Kirkwood Bank & Trust requires you to change your password every 6 months.

For security purposes, your account will be locked after 3 unsuccessful login attempts.  To unlock your account, please contact us at 701.258.6550 or 800.492.4955 between 8:00am and 5:00pm CST Monday – Friday.

Yes, you are able to edit or cancel any pending payments.

Depending on the type of payment sent, you may be able to place a stop payment. Please contact a Kirkwood Bank & Trust Team Member for assistance.

Yes, please contact a Kirkwood Bank & Trust Team Member to add additional accounts to your Online Bill Pay.

You have the option to pay your bills manually each month or set them up to pay automatically.

Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Only you can authorize payments by entering payee information, amount and pay date.

Yes, leave the account number blank when adding the payee.

There is no fee for consumer Bill Pay.

An e-bill is an electronic version of a bill or statement that typically contains the same information as a paper bill or statement. You can receive, view and pay e-bills in Online Bill Pay. Your e-bill will arrive in the payment center and you control the pay date and amount of your payment.

Online Bill Pay is a feature that allows you to you pay your bills from online banking or mobile banking.

The money is withdrawn from your account on the selected date if the payment is sent electronically. If the company or person is unable to receive electronic payments, a check will be printed and mailed to the payee’s address. The funds will be deducted from your account when the company or person deposits or cashes the check.

You can contact us Monday – Friday between 8:00am and 5:00pm CST at 701.258.6550 or 800.492.4955 or you can call Bill Pay Customer Service 7 days a week between 6:00am and 12:00am CST at 800.877.8021.

Yes, you can temporarily turn your debit card on and off, block or allow certain transactions, manage alerts and set spending limits in “Cards”.

Yes, you can find Statements & documents under the more tab in the mobile banking app.

Locate the KBT app in the app store on your mobile device and download.  You will need an eligible KBT personal account.

Kirkwood Bank & Trust’s Mobile Banking offers the same security and encryption as our Online Banking. For initial access to your account, additional Security Q&A are utilized for authentication purposes.  No personal information from your Mobile Banking account is ever stored on your phone, including your password.  Login sessions will automatically time out after 5 minutes of inactivity and your account will lock down after 3 unsuccessful login attempts.  This helps ensure that your Mobile Banking experience with us will be safe and secure.

There is no fee for Mobile Banking for our customers. However, your mobile service carrier may charge you a fee for internet access while using the mobile app.  Check with your mobile service provider for plan details.

Kirkwood Bank & Trust Mobile Banking allows you to securely access your KBT accounts from your mobile device and allows you to check balances, manage your debit card, deposit checks, pay bills, transfer funds, and find branches and ATMs and much more.

There is no fee for Mobile Deposit for our customers. However, your mobile service carrier may charge you a fee for internet access while using the mobile app.  Check with your mobile service provider for plan details.

• Savings Bonds
• Checks payable to any person other than an account owner (i.e., payable to another party and then endorsed to you)
• Checks that do not contain a 9 digit US routing number
• Checks that contain evidence of alteration, or that you know or suspect are fraudulent or otherwise not authorized by the owner of the account which the check is drawn

The daily Mobile Deposit aggregate limit is $3,000.00 with no single deposit to exceed $1,500.00. Each check is considered a separate deposit and there is no limit to the number of checks you can deposit in a day.

Yes, you can view your 30-day Mobile Deposit history as well as the status of a deposit by selecting “Deposit” and “View mobile deposit history.”

• Endorse the back of your check, and include the words “KB&T Mobile Deposit”
• Log into Mobile Banking
• Select the Deposit tab and then “Deposit a check”
• Select the account to deposit into and enter the check amount
• Take a photo of the front and back of the check
• Submit the check for deposit
• Result screen will indicate either Deposit Pending or Deposit Failed. Depending on the reason the deposit failed, you may be given an option to retake the image.
• View Deposit History to check the status of your deposit. Statuses include pending, failed and accepted.
• Retain the original paper item in a secure location for fourteen (14) calendar days after the deposit is credited to your account. After you have verified this, you are required to shred the check

You can inquire on your account through Mobile Banking.

Using Mobile Deposit via our mobile banking app offers the same security features and protection as our online banking service, including security login, as well as a timeout feature when your mobile device is not in use. We use advanced encryption and security technology. Check Images and other private information are not stored on the Mobile App or on your phone.

• Check submitted prior to 3:00pm CST
  • Your deposit will be reviewed and processed on that business day
  • If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the same business day.
• Check submitted after 3:00pm CST
  • Your deposit will be reviewed and processed on the next business day
  • If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the next business day.

Yes, endorse the back of your check and include the words “KB&T Mobile Deposit.”

• Pending: The bank is in the process of reviewing your deposit to ensure it is in compliance with the Mobile Deposit Terms and Conditions. The deposit will either be accepted or rejected.
• Failed: The bank reviewed your mobile deposit and rejected the deposit.  Please contact the bank at 701.258.6550 or 800.492.4955 to determine the reason it was rejected.

Mobile Deposit allows you to make a deposit directly into your personal checking or savings account using the KBT App on supported devices.

Securely store your check for 14 days after the deposit has been credited to your account. After you have verified this, you are required to shred the check.

Mobile Deposit allows you to deposit most checks drawn on U. S. financial institutions. Checks must always be made payable to an account owner, endorsed properly and may not be made payable to a business.

Reasons that checks may not be able to be deposited:

• Folded or torn corners
• Front image is not legible
• Amount entered does not match the amount read by the scanning software
• Courtesy amount is not legible
• Routing and account numbers are unclear
• No camera on the device
• Image is too dark or too light
• Check is not drawn on a U. S. financial institution
• Check already deposited
• Missing endorsement

$100 is required to open a business account.

Yes, Bill Pay is available in Business Online Banking.  Please contact us at 701.258.6550 or 800.492.4955 as this feature needs to be activated by a Kirkwood Bank & Trust Team Member.

To enroll online, please fill out our Business Online Banking Application or contact one of our Team Members at 701.258.6550 or 800.492.4955.

Currently, there is no limit to the number of online users.

Yes, we do offer ACH in Business Online Banking. Please contact a Team Member for more information.

Yes, please contact a Team Member at 701.258.6550 or 800.492.4955 for more information.

There is no fee for Business Online Banking. Fees may apply to some services offered in Business Online Banking.

• Comma-separated values (.csv)
• Microsoft Money (.ofx)
• QuickBooks 2005 & newer (.qbo)
• Quicken 2005 & newer (.qfx)

For your added security, we require multi-factor authentication. If using a personal/private computer, you can select the box that says “Don’t ask me again on this device.”

Please verify that you selected the Business Banking button at login.  For security purposes, your account will be locked after 3 unsuccessful login attempts.  To unlock your account, please contact us at 701.258.6550 or 800.492.4955 between 8:00am and 5:00pm CST Monday – Friday.

Yes, you are able to edit or cancel any pending payments.

Depending on the type of payment sent, you may be able to place a stop payment. Please contact a Kirkwood Bank & Trust Team Member for assistance.

Yes. Please contact a Kirkwood Bank & Trust team member to add additional accounts to your Business Bill Pay.

You have the option to pay your bills manually each month or set them up to pay automatically.

Payments are issued electronically or via paper checks, depending on the payee’s capabilities. Only you can authorize payments by entering payee information, amount and pay date.

Yes, you can enter other information that identifies you to the biller in the account number section.

There is a small fee for Business Bill Pay.

Business Bill Pay is an optional feature in online banking that allows you to pay your bills from one convenient location.

The money is withdrawn from your account on the selected date if the payment is sent electronically.  If the company or person is unable to receive electronic payments, a check will be printed and mailed to the payee’s address. The funds will be deducted from your account when the company or person deposits or cashes the check.

You can contact us Monday – Friday between 8:00am and 5:00pm CST at 701.258.6550 or 800.492.4955 or you can call Business Bill Pay Customer Service 7 days a week between 6:00am and 12:00am CST at 800.877.8021.

“Cards” is a digital solution that allows you to manage your debit card through the mobile banking app.

• Turn your card on and off instantly – when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments
• Enable controls to restrict card usage based on location, merchant type, transaction type and spend limit
• Enable alerts for transactions.
• Add an enrolled card to a digital wallet such as Apple Pay® or Google Play™
• Display digital card information – full card number and details needed to perform transactions without using a physical card
• Manage travel plans to allow transactions in specific domestic and international destinations
• Get spend insight to see what, when and where transactions are occurring
• Call designated phone numbers to manage a pin or report debit card lost or stolen

No. KBT debit cards are the only allowable cards in “Cards”.

Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

Customers who are currently enrolled in Business Online Banking and have a business account, loan or line of credit are eligible.

Account holders use the same Username and Password/Token they use for Business Online Banking access. After initial login, a user can also take advantage of their smartphone’s built-in security features, such as fingerprint ID and facial recognition.

There is no fee for our customers. However, data and/or access fees may apply from your mobile or internet service providers.

Account holders with an Apple® or Android® smartphone with internet access can download our Business Mobile Banking app right from their app store.

• Savings Bonds
• Money Orders
• Checks payable to any other business or person other than business name on the account
• International checks
• Check that contain evidence of alteration, or that you know or suspect are fraudulent or otherwise not authorized by the owner of the account which the check is drawn

Users can simply select “Deposits” from the menu in our app, enter the amount of the deposit, endorse the physical check and take photos using the camera on their smartphone of the front and back of the check and submit. Per item and daily limits apply.

Endorsement must include business name and the words “KBT Mobile Deposit” below the business name to identify the check properly.

• Check submitted prior to 3:00pm CST
  • Your deposit will be reviewed and processed on that business day
  • If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the same business day.
• Check submitted after 3:00pm CST
  • Your deposit will be reviewed and processed on the next business day
  • If compliant with the Mobile Banking Terms & Conditions and displays “accepted,” the deposit will be credited to your account the next business day.

Securely store your check for 14 days after the deposit has been credited to your account. After you have verified this, you are required to shred the check.

Funds from Mobile Deposits are generally available on the next business day after it is received, just like typical deposits.