Digital Banking Upgrade

At First National Bank Bemidji we understand life is busy and convenience is of utmost importance. With this in mind, our new Online and Mobile Banking platforms offer seamless banking solutions built for the way you want to bank, whether you are at home or on the go.

The upgrade took place over the course of three days, January 27^th through the 29^th. Online and Mobile Banking was unavailable beginning the evening of January 27^th for the system upgrade to take place. This includes ACH, Positive Pay, and RDC services through Business Online. The new system went live on January 29^th, at which time Online and Mobile Banking became available.

This upgrade took place during the week to ensure that all of your banking needs can be taken care of, even when Online Banking was unavailable.

Yes! Please make note of your current Username and Password as you will use these to login for the first time. It is very important that we have your current phone number and email address. Please review and update this information within your Online Banking Profile as soon as possible to ensure a smooth first-time login.

Also, alerts, card controls and external transfers will not transfer to the new system.

You will need to reestablish any alerts, card controls, and external transfers you had set up in the previous system as this information did not transfer.

Please note, while your existing internal transfers will be available within the new system if you would like to make edits to these you will need to set up the transfer again and delete the old one.

Yes. Once the new system is live, you will be able to log in using your existing User ID and Password. However, there are new security features to help keep your accounts safe. Upon your first login you will have to enter a one-time passcode (OTP) to verify your identity. You can choose to have the OTP sent to you via text message, phone call, or email. After you receive the OTP via the method of your choosing, you simply enter it in the Confirmation Code box and click Submit to securely log in.

If you utilize biometrics to access your digital banking, you will need to be sure you know your User ID and Password prior to our go-live date. You will be required to enter these within the new system the first time you log in.

Once logged in, follow these steps to reestablish your biometrics: Click Menu on the top right, select Settings, select Authorized Device Enrollment, enter a name for the device along with your User ID and Password, enter Enroll.

If you are unsure of your User ID, please contact us at (218) 751-2430 for assistance.

If you are unsure of your Password, you can easily reset it by selecting “Forgot Password” from the login screen and following the on-screen prompts.

IMPORTANT NOTE: If your User ID is less than 9 characters and you change your Password, or any other account information, you will be prompted to update your User ID to comply with the new requirements. Your new User ID must be between 9 and 26 characters.

Most of your account details will be saved and ready for you to use. This includes transaction history, Bill Pay payee information, scheduled payments and internal transfers, as well as eStatement settings.

Alerts, card controls and external transfers will not transfer to the new system.  You will need to make note of or save this information for your records prior to January 27^th.  These settings will need to be set up again once the new system is live.

As part of this upgrade, you may see additional accounts that you’re associated with using a single set of login credentials (i.e. personal and/or business accounts). In some cases, this change could also lead to certain accounts no longer being visible in Online Banking.
If you have questions or concerns, please contact us at (218) 751-2430.

Yes, we launched a new Mobile Banking app as part of the upgrade. This app is now available for download.

You can access the new Mobile Banking app in two ways:

Through our Current Mobile Banking app

Open our current Mobile Banking app and be redirected to download the new Mobile Banking app.  Once downloaded, you can log in with your existing User ID and Password.

OR

Direct Download

Search for First National Bank Bemidji within your device’s app store and download the new app. Then log in with your existing User ID and Password.

Once the new app has been downloaded, you should delete the old app.

The connection between QuickBooks and our Online Banking will be unavailable January 27^th tentatively through February 10^th, 2026. During this time, you will still be able to manually download your transaction history in QuickBooks and Quicken file formats.

With this upgrade, some of the things that you will notice are:

• You will no longer need to navigate to a separate login screen to access Business Online.
• You will no longer need a token to login. Verification will now be done via text, phone call, or email.
• You can access ACH and Positive Pay features using our Mobile Banking app.

More information and special instructions will be coming your way prior to the upgrade

Please verify that all of your contact information on file is up to date and feel free to contact us at (218) 751-2430 with any questions you may have!