Please write “For mobile deposit to Wolf River Community Bank” on the back of your check below your signature. Some checks will have that stated in a checkbox form so you can simply put a checkmark in the box along with your signature to endorse.

Login to Mobile Banking.

1. Click “Menu” then “Deposit Checks.”
2. Select the checking account to which you’d like to make the deposit.
3. Take a picture of the front and back of your check, following the on-screen instructions (endorse the check with your signature and write “For Mobile Deposit Only at WRCB”).
4. Enter the check amount.
5. Verify that everything on the screen is correct, then Submit.

We’ll confirm that the check has been received.

We recommend securely storing the check for 14 business days, then destroying the original paper check.

Mobile deposits submitted before 3:00 p.m. CST on a business day will be deposited that same day. Deposits submitted after 3:00 p.m. or on a non-business day will be processed the next business day. Please know that there may be a delay if we require further review of the deposit. We will call you to confirm any questions.

Max deposit per check = $5,000
Max deposit per day = $10,000

If you need the limit raised for the day, please contact your local branch.

• Save time and money – no checks to write
• Easy to use and helps you keep track of all the bills you pay
• Schedule automated bill payments or one-time payments
• Pay virtually any bill – utilities, mortgage, even your lawn care service
• Our Bill Pay service is free to set up and use

• Just log into Online Banking, click the ‘Bill Pay’ tab, and complete the enrollment form.
• Once your enrollment is received and processed (approximately 3 business days), you are ready to start using Bill Pay.
• You must be enrolled in Online Banking before you can enroll for Bill Pay.

Setting alerts in Digital Banking will let you know when important things happens in your account by sending a message via text*, email, or push notification**.

These alerts will let you know what’s happening with your money so you can watch for suspicious activity and verify processing. It’s a free service to you!

You can choose from dozens of alerts to monitor your account activity, such as:

• An ATM withdrawal is made.
• A purchase using your debit card was just processed.
• A fee was charged to your account.
• Your balance reaches a certain amount.
• Online banking login, password or ID changed.

*Message and data rates may apply.

**Push notifications not available for Business Accounts.

1. Log on to Online Banking.
2. Select ‘MANAGE ALERTS’ in the main menu.
3. Click the ‘+’ next to ‘MY ALERTS’.
4. Click each category to view the list of available alerts.
5. Select the Alerts you want to receive for each account. Then check how you would like to receive them and then click ‘Save.’

You’ll now receive a message when any of your alerts are triggered through the channel you chose – text or email.

Go paperless with eStatements. They are free with any account and provide a number of benefits:

• Security – Eliminate the risk of your mailed statement being lost or stolen.
• Accessibility – View, print or download up to 18 months of archived statements anywhere you can access online banking.
• Eco-friendly – Save a few trees!
• Time saving – Fast delivery! No more waiting for snail mail to deliver key financial information.
• Organization – Reduce paper clutter!
• Money saving – eStatements can help reduce or eliminate monthly service charges for our Essential and eChecking accounts!

You must first be enrolled in Online or Mobile Banking before enrolling in eStatements.  Once in Online or Mobile Banking, it’s quick and easy to sign up for eStatements:

1. Login to Online or Mobile Banking.
2. Click DOCUMENTS in the menu.
3. Select the document type: STATEMENTS.
4. Select any accounts for which you’d like to receive eStatements or click SELECT ALL.
5. You will be presented with the Terms and Conditions.
6. Read through the terms, scroll to the bottom, and select VIEW TEST DOCUMENT which will download a PDF.
7. Click SELECT ALL, then ACCEPT TERMS to accept the terms and conditions.

There are several factors that contribute to calculating a credit score. In general, the bureau or company considers the following factors when calculating your credit score:

• The number of accounts you have
• The types of accounts
• Your used credit vs. your available credit
• The length of your credit history
• Your payment history

These factors may be weighted differently by each bureau or company so credit scores may vary.

In addition to calculating credit scores themselves, the three major credit bureaus, Equifax, Experian, and TransUnion, provide detailed information about a consumer’s credit activity to other companies that calculate a credit score.

VantageScore 3.0 considers the following when calculating your score (source):

• Payment history (41%)
  Repayment behavior, such whether you pay on time or have delinquencies.
• Age of credit (20%)
  How long you’ve been using credit.
• Utilization (20%)
  The ratio between available credit and used credit.
• New credit (11%)
  The number or recent accounts opened plus credit inquiries (hard inquiries).
• Balance (6%)
  Total amount of reported debt.
• Available credit (2%)
  Amount of credit available.

Yes. You can still view your credit score and use all of the features within My Credit Manager.

Your credit score is updated completely every 30 to 45 days.

Credit Score Simulator is an educational tool that you can use for estimating the effect of certain financial actions on your credit score, such as taking out a car loan, transferring credit card balances, or opening a new card. But remember, they’re estimations only, not predictions. Actual results may be different.

Your credit data is fully encrypted and secure. No one else has access to your information.

You and your spouse can see the information from all shared accounts, but having some shared accounts doesn’t allow you or them access information about any non-shared financial accounts. For security and privacy reasons, we recommend that each user have their own online banking account/login.

You can take several steps to improve your credit score, but be aware that there are no quick fixes. You may be able to see your score tick up soon after you start trying to improve it. However, credit reports are updated month by month and it may take several months or even years before your credit score is where you want it to be.

1. Pay your bills on time. Late and delinquent payments make up much of what determines your credit score. You need to establish a good record of timely payments. Consider setting up autopay for your accounts.
2. Reduce your credit utilization. Credit utilization is another important factor in calculating your credit score. Keeping low balances on revolving accounts, such as credit cards, will help improve your score. You can also reduce credit utilization by requesting an increase in your credit line—as long as you don’t use the increase in your limit to increase debt.
3. Avoid or limit opening new accounts, especially multiple accounts within a short period. When you apply for credit, the prospective lender makes a hard credit inquiry, which is reported to the bureaus. Lenders may interpret making multiple credit applications as you facing financial troubles and looking to increase debt as a way out.
4. If you have no credit history, or a thin credit history, you can look into other ways to get yourself on record as making timely payments. One solution is a credit builder loan, where you make payments into an account over a set period of time (usually one or two years). These payments are reported to the bureaus, so you build a credit history. If you pay monthly rent and utilities, you can look into rent reporting options. With rent reporting, your landlord or property management company reports your monthly rent and utilities to the bureaus.
5.  Keep older accounts open. Length of credit history works for you. The longer you have an account open, the more stable you look to the bureaus.
6. Consolidate your debts. Too many accounts may work against you. If possible reduce the number of accounts, but be careful of affecting credit utilization. Don’t max out an account by consolidating it.
7. Use credit monitoring. Improving your credit score is a project, a credit monitoring app is a critical tool for helping you manage your credit profile.

There’s no set number of credit accounts that’s optimal or suboptimal. Having multiple credit card accounts can help you maintain a good debt to credit ratio, but having too much debt spread across multiple accounts can have a negative impact.

Any accounts that were in good standing when you closed them will remain in your record for 10 years. Any negative information will remain for seven years.

Late payments will stay in your record for seven years. You can dispute a late payment report that you believe is in error, however you will need to provide proof, such as documentation that you did make the payment in question on time. If the information is accurate, however, you’ll have to wait the full seven years before it clears.

Newer accounts may not show up on your credit report because the creditor hasn’t started reporting it yet.

Each of the three credit bureaus (Equifax, Experian, and TransUnion) uses a different model to calculate a credit score and each gathers data independently.

The credit bureaus pull your information from many different sources (such as lenders, collections, court records) at different times, there will often be discrepancies at any particular time between the reports from each credit bureau.

If you discover information on your credit report that you believe is inaccurate, you can take the following steps to dispute and hopefully correct the information.

1. Highlight the errors on your credit report.
2. Gather supporting documents that show your side of the story; for example, receipts or
   bank records showing that you made a payment on time that’s recorded as late or
   delinquent.
3. Submit the information to the bureaus with a brief explanation (100 words or less).

You may find that some companies have forms on their websites that you can use.

You can also submit your information directly to the reporting lender.

After you submit your claim, you may need to wait 30 to 45 days before it’s resolved and the corrected information appears on your credit report. Note however, that if the inquiry confirms that the information is accurate, the bureau or lender won’t change it.

If you still have questions after your claim is rejected and want to pursue your dispute further, you can file a complaint against a bureau or lender with the Consumer Financial Protection Bureau or with the Attorney General of your state.