Now through Dec. 9, we’re accepting non-perishable food and monetary donations. Thank you for making the holidays brighter for our community.
Access your bank accounts and manage finances anytime, anywhere, with just a few clicks or taps through online or mobile banking.
Digital Banking gives you 24/7 access to:
Get real-time account balances, control your debit card, deposit checks, track your credit, and move money on the go with Wolf River Online or Mobile Banking. Securely access your accounts from anywhere with multi-factor authentication and biometric login features on the mobile app. Enroll in Online Banking or download the free app in the App Store or Google Play:
No, Online and Mobile Banking are free.
We use the latest encryption standards and methods to protect your information.
Want extra protection? Visit the Wolf River Community Bank app or Online Banking to Manage your Debit Card. You can set alerts to detect unauthorized or fraudulent activity on your account, check your balance anytime, set travel notices, turn your card off/on, or report a lost or stolen card.
You can enroll for Online Banking online or by contacting us at 920-779-7000. Enrollment for our Mobile Banking service is included with Online Banking enrollment.
No. Use the same Online Banking username and password. If you change your Online Banking password, the Mobile Banking password will automatically change as well.
Got a birthday check from grandma and don’t have time to make it to the bank? Deposit it in seconds with Mobile Deposit, a convenient feature within the Wolf River Mobile Banking app. Be sure to endorse the check with your signature and a note that states “FOR MOBILE DEPOSIT AT WRCB”, snap a picture of the front and the back of the check, enter the amount, and you’re done!
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.
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.
No stamps? No problem. Send payments electronically through online bill pay. Set recurring payments or send them individually from your desktop or the mobile app.
Stay on top of account activity with custom alerts. Be informed when changes are made to your account, your debit card is used, bills are paid or deposits are made. Alerts can be received via text or email.
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:
*Message and data rates may apply.
**Push notifications not available for Business Accounts.
You’ll now receive a message when any of your alerts are triggered through the channel you chose – text or email.
More secure, eco-friendly and convenient… need we say more? Free eStatements provide you a safe and easily accessible archive of account information. Statements are viewable in PDF format and can be printed if needed. Enroll in eStatements today!
Go paperless with eStatements. They are free with any account and provide a number of benefits:
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:
Pay on the go with mobile and wearable payment options. Digital wallets provide you with a quick and simple way to make secure purchases through a smartphone, smartwatch or fitness tracker. Use for contactless card payments (tap to pay) and one-click online checkout.
Use your Wolf River Community Bank debit or credit card with Apple Pay®, Google Pay™ or Garmin Pay™.
Apple Pay is an easy, secure way to pay in stores, within apps, and online with your iPhone®, Apple Watch®, iPad®, and Mac. You can quickly check out using the Apple devices you carry every day like your smartphone or Apple Watch. Download or open your wallet app, tap + and follow the steps to add your Wolf River Community Bank card to your wallet.
Where to use Apple Pay
You can use your Wolf River Community Bank debit or credit card with Apple Pay at a variety of merchants in stores, within apps and online. Look for either of these symbols at checkout
Where to use Google Play
Google Pay protects users’ payment info with multiple layers of security, using one of the world’s most advanced security infrastructures to help keep your account safe.
Garmin Pay is a contactless payment solution designed for people who are always on the move. Whether you grab a cup of coffee after your morning run or get a bite to eat while out on a ride, Garmin Pay lets you make purchases quickly with your Wolf River Community Bank debit or credit card almost effortlessly with nothing needed but your watch. No wallet? No phone? No problem.
How to use Garmin Pay
With just a few quick touches, Garmin Pay is easily accessible from your compatible Garmin watch. Enter your passcode, select the right credit card from your virtual wallet, and then hold your wrist near the card reader — that’s it. No need to fumble for your phone, cards or cash. Visit their support page for help with Garmin Pay.
My Credit Manager is available to you at no additional cost and is available right within the Wolf River Community Bank online banking or mobile app! It equips you with a full suite of credit tools that enable you to understand and more effectively manage your credit score. With tools like a credit score tracker, alerts, credit score simulator and debt analysis, enrolling in My Credit Manager can take you one step closer to your financial goals.
Your credit score and report are available at no additional cost within our digital banking platform! Once enrolled, you’ll have access to your credit score and other helpful credit tools.
Simply log in to your online or mobile banking to enroll. Click “Learn More” under Credit Score to get started.
Please note: You will be asked to verify your identity with your name, address, DOB, social security number and security questions. This will be used to access your credit information from the Experian credit bureau.
A credit report is a record of your history managing and repaying debt, often organized into several sections: personal information, accounts, inquiries, collections and public records.
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:
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):
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.
Improving your credit score can be a lengthy process, but there are several steps you can take to help your score tick up. Use the suggestions and information below to work on your credit score.
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.
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.
Don’t fret! If you notice something that’s inaccurate on your credit report, there are ways to have it corrected. Depending on the nature of the discrepancy and the channels you need to go through to have it amended, the process can be a bit time consuming, but it’s worth it to maintain a favorable credit score!
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.
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.