Looking for Effortless & Efficient Banking?


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:

  • View up-to-the-minute account balances
  • Monitor daily transactions
  • Transfer funds between accounts
  • Deposit checks through Mobile Deposit
  • Pay bills for free
  • View eStatements
  • Set up alerts so you are notified about important account activity
  • Manage your debit card: turn it on/off if your card is lost, stolen or compromised; set travel notices; and set a temporary limit increase for occasional, large purchases or payments.
  • Monitor your credit with My Credit Manager: Enroll for free access to your credit score, credit alerts, debt analysis, and use credit score simulator

Digital Banking

Person holding mobile phone with Wolf River app on screen

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:

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Are there fees for online and mobile banking?

No, Online and Mobile Banking are free.

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How secure is my information?

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.

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How do i enroll for online banking?

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.

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Do I need a separate username or password for online banking?

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.

Woman with sunglasses on bench holding mobile phone

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!

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How should I endorse my mobile deposit check?

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.

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How do I deposit a check with mobile deposit?

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.

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What should I do with the paper check after deposit?

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

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Will my mobile deposit be deposited the day I submit it?

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.

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What are the limits for mobile deposit?

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.

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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.

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Why should I use bill pay?
  • 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
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How do I enroll for bill pay?
  • 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.
Mobile phone with estatements on it

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.

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What alerts can I set to protect my security and be informed of balances?

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.

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How do I set up banking alerts?
  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.

Woman holding tablet with estatements on it

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!

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Why should I sign up for estatements?

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!
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How do I enroll in estatements?

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.

Pay with a Digital Wallet!

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

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

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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


Get help with Apple Pay

Google PayPay quickly and more securely using the payment methods saved to your Google Accounts.  No need to reach for your card!  Pay with a few clicks in-app and on the web or check out in stores using the android device that’s already in your hand!


Where to use Google Play

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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.

Get help with Google Pay

Garmin Pay

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.

Get help with Garmin Pay

COMING SOON! Monitor your credit with My Credit Manager

My Credit Manager is available to you at no additional cost! 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.

Woman enrolling in My Credit Manager on her mobile phone

Enroll in My Credit Manager by logging into online or mobile banking and clicking the “Learn More” button under Credit Score. You’ll be asked to verify your identity by entering some personal information. Once enrolled, you’ll have access to your credit score and other helpful credit tools.

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How do I get started?

Your credit score and report are available at no additional cost within our digital banking platform!

Simply log in to your online or mobile banking to enroll. click “Learn More” under Credit Score to get started.

Credit Report on Computer

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.

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How is my credit score calculated?

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.
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If my credit report is frozen, can I use My Credit Manager?

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

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How frequently is my overall credit score updated?

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

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How accurate is the credit score simulator?

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.

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How secure is my credit data? Does anyone else, such as portal admins, have access to any of my information?

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

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If my spouse and I share lines of credit, mortgages or loans, will I be able to access their 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.

Man on computer with credit score on screen

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.

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How do I improve my 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.

  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.
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How many total accounts is too many accounts?

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.

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When will closed accounts come off my credit report?

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.

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How long does it take before a late payment stops impacting my score?

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.

Woman holding glasses on computer with coffee on the table

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!

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Why am I not seeing all of the credit data I expect?

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

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Why is my score different from others I see, such as credit karma or other banking apps?

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.

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How do I dispute and correct inaccurate information on my credit report?

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
  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.

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