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Individuals FAQs

eBanking FAQs

  • What are the requirements and benefits of eBanking?

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    With eBanking, your banking relationship is exclusively online. We provide the tools and resources you need to open and manage your accounts online – so you’ll never have to visit a physical bank location. As a result, we can share our savings with you through premium rates.

    For example, with our Money Market Account, you will receive a preferred Annual Percentage Yield as a result of applying for and managing your account exclusively online. Online banking, online bill pay and eStatements are required. Account options include an ATM/Debit card (giving you access to a large national network of free ATMs) as well as checks.

    Of course, whenever you need special assistance with your account, you can contact our customer service team.

  • Who can open an eBank account or joint account with Mutual of Omaha Bank?

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    To open an eBank account or joint account with Mutual of Omaha Bank, you must:

     

    • Be a U.S. citizen or U.S. Resident Alien and at least 18 years old
    • Have a Social Security number and one of the following forms of identification: Driver’s license, State ID, Military ID or Passport

    Having these items on hand for both applicants before you start the process will ensure you complete your application accurately and swiftly.

    eBank Accounts are for consumers only. No Trust or brokered accounts may be accepted at this point in time. If you are not a U.S. Citizen or U.S. Resident Alien or do not have identification, we will be unable to open your account.

  • How long does an Online application take?

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    Applying for an Online Account will take about 15 minutes to complete. The process is easy, convenient, and secure.

  • What if I already have another account at Mutual of Omaha Bank?

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    First, thank you for continuing to bank with us. You are welcome to take advantage of the ease and convenience of eBanking in addition to your current products. If you have an existing checking, savings or money market account, simply apply as an “existing client.” Please select the “new client” option if you have another account type such as a CD, mortgage or credit card.

  • What if I have already enrolled for online banking, online bill pay with Mutual of Omaha Bank?

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    Online Banking – Your new account will be automatically added. It may take up to one business day until your account is available through Online Banking.

    Online Bill Pay – No additional enrollment is needed. Your existing account will remain as the default for payment but you can change your selection at any time. Keep in mind, transaction limits may apply.

  • Is my online application and information secure and protected?

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    Absolutely. Security is our top priority and protecting your information is important and non-negotiable. View our security policy.

  • Can I save my application and go back to it later?

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    Yes, you may save your online account application and resume at a time that is more convenient for you. You will create a unique Username and Password that will be used to access your saved application. Be assured, your saved application information is secure. Your application will be saved for 30 calendar days. The Username and Password used to complete an online account application is unique to retrieving your saved application and used to access your ‘My Accounts’ portal. This Username and Password is not used for Online Banking.

  • When will I receive my Debit card or checks?

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    Your ATM/Debit card should arrive within 7 to 10 business days of when your account is funded.

     

    If you want to order checks for your new online account please call Customer Service at 866-264-1214 for your initial order. Your checks should arrive within 14 business days. Additional check orders can be placed using Online Banking.

    Standard shipping is no additional cost to you. If you need expedited delivery, you may choose 7-day USPS priority mail; 4-day Express, 2-day delivery, or overnight delivery.

  • Why do I need to specify an email address?

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    We ask for your email address so we can send you important communication relating to your application and new Online Account.

     

    Missing an email? Please check your “Bulk Mail” or Spam/Junk folder.

  • How do I access my account?

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    Once your application is approved, you can enroll for online banking and access your account exclusively online.

  • How do I fund my new online account?

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    During the application process you may choose to fund your new Online Account by check or electronic transfer from an external or internal account.

     

    For your initial check deposit, please include your new account number and send to
    Mutual of Omaha Bank
    PO Box 3671
    Omaha, NE 68103-0671

  • How will I make ongoing deposits to my new online account?

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    For ongoing deposits, you can set up account-to-account transfers using online bill pay.

     

    For ongoing deposits, you can mail your check to Mutual of Omaha Bank, P.O. Box 3671, Omaha, NE 68103-0671.

    To set up Direct Deposit, please contact your employer or Direct Deposit issuer directly to fill out the necessary Direct Deposit Forms. Your new account number and routing number needed will be provided when your Online Account is opened.

  • Why do I need a Username and Password?

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    We ask you to create a Username and Password during the application process so you may save the application and continue at a later time that may be more convenient for you. Simply click the SAVE button. Your Username and Password will also be used to log into your ‘My Accounts’ portal which has information about your application status, account number & routing number, copies of agreements and disclosures, and your signature card.

    For Joint Account applications, Co-Applicants will need to create their own Username and Password.

  • Do I need to print documents?

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    If desired, you may print all disclosures and agreements and a copy of your Signature Card, which is your legal document. Copies of all disclosures and agreements, signature card, and account information can be found by logging into the ‘My Accounts’ portal using your Username and Password created during the application process. A link to your account portal is provided in the eMail communications received during the application process.

  • Where can I find in-Network ATMs?

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    We have a wide national network of ATMs that provide you access to your account. Use our ATM Locator to find one near you.

  • Are my deposits FDIC insured?

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    Yes. Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law, $250,000 per depositor.

  • What if I need help with my account?

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    Our Customer Service Team is happy to assist you. Just call us at 866-264-1214, Monday through Friday, 7 a.m. to 7 p.m. CT; Saturday 7 a.m. to Noon CT. Or, email us at ebankcustomerservice@mutualofomahabank.com.

  • What is Mutual of Omaha Bank's routing number?

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    Mutual of Omaha Bank's routing number is 104002894.

Mobile FAQs

  • How do I download the mobile app?

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    The Mutual of Omaha Bank Mobile App is a free download on the Apple® App StoreSM or Google Play™. Each of your devices will require a separate download to that device.

  • What are the devices supported by the mobile app?

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    Mobile banking using the Mutual of Omaha Bank Mobile App may not run on every device. For an optimal experience, our app runs best on:

    • Apple® iPhone® 5 and newer.
    • Apple® iPad®  2 and newer.
    • Android™ devices with a release date of 2011 or newer.
  • Why was I logged out of the mobile app?

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    There are two "timeout" features set up in the mobile app:

    1) A 5 minute timeout on the Web Service providing the information. This will reset each time you "request" different information (i.e., get account list, account transactions, ATM/Branch Locator).

    2) If Internet connection is lost for any reason, you will be logged out of the app.

  • Are there restrictions on the type of check I deposit using mobile deposit?

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    Yes, the Mutual of Omaha Bank Mobile App is designed for consumer banking and as such, the remote deposit feature can fail to capture:

    • Ledger-sized business checks (larger than customer checkbook size).
    • Rebate checks with payable information outside of customary read area.

    Additionally, the terms and conditions for use of the mobile app prohibit its use to deposit any of the following:

    • Checks payable to any person or entity other than the owner(s) of the account into which the check is being deposited.
    • Checks containing an alteration to any of the fields on the front of the check, 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 to two or more persons jointly, not alternatively, unless deposited into an account jointly owned by all payees.
    • Checks previously converted to a substitute check, as defined in the Account Agreements, are “image replacement documents” that purport to be substitute checks.
    • Checks drawn on a financial institution located outside the United States.
    • Checks that are remotely created checks, as defined in the Account Agreement.
    • Checks not payable in United States currency.
    • Checks dated more than six (6) months prior to the date of deposit.
    • Checks prohibited by the Bank’s current procedures related to this Service or which are otherwise not acceptable under the Account Agreement governing your Bank account.
    • Checks payable on sight or payable through drafts.
    • Checks with any endorsement on the back other than that specified in this Agreement.
    • Checks that have previously been negotiated, submitted through this Service, or through a remote deposit capture service offered at any other financial institution.
    • Checks that are drawn or otherwise issued by the U. S. Treasury Department.
    • Cashier's Checks, Money Orders or Postal Money Orders.
    • Travelers Checks.
  • Why do I get error messages when attempting to take a picture of my check?

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    We recommend that the check be placed on a well-lit, dark surface. Make sure the entire check fills the frame displayed and that all of the following information is visible:

    • Amount of the check.
    • Payee of the check.
    • Signature of the person who wrote the check.
    • Date of the check.
    • Check number.
    • Routing and account number information.
    • All other information placed on the check prior to the time of capture, such as any required identification written on the front of the check and any endorsements applied to the back of the check.
  • What should I do with my check after submitting my deposit?

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    Write "Electronically Deposited" on the check and place in a secure location for 15 days. Destroy the check after 15 days.

  • What is the processing time for mobile deposits?

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    Mobile deposits require a hold of 2 business days.

  • Is there a transaction or amount limit for mobile deposits?

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    Mobile deposit has been established with a daily transaction limit of 3 checks/deposits per day and amount limit of $5,000 per day.

Businesses and Community Associations FAQs

  • I am interested in Business Online Banking. Who do I Contact?

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    Your bank relationship manager or regional account executive can assist you in identifying profile and security tokens for your business. You can also contact our Business Client Service Center for help.

  • Can I place a stop payment through the online site?

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    Yes, once logged into your business online banking profile, access the 'Transaction Management' tab, and then 'Stops' and you can then place your stop payment.

  • How do I schedule a wire transfer online?

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    Once logged into your business online banking profile, click on Advanced Payments on the left menu. Select Electronic Payments and then New Payment.

  • How do I print statements online?

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    Once logged into your business online banking profile, click on Statements/Documents, then download e-Documents on the left menu.

  • When opening account for a new association account, if an association does not have article of incorporation, what are the other options?

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    If Articles of Incorporation cannot be provided, two (2) of the following documents may be obtained. This applies ONLY to HOAs, not Property Management Companies.

    • Management Company Agreement w/HOA (1st & last pages)
    • Federal Tax Return (most recent year)
    • Bylaws
    • State Filing—W-9 etc.
    • Utility bill bearing association's name
    • Declaration of Trust
    • Cancelled check paid from HOA account from another bank

MutualPay Property Pay FAQs