2019 Digital Banking Conversion

Questions? Ask here.

Denison State Bank changed to a new digital banking provider on Oct. 29, 2019, to provide a better digital banking experience for our users, including the use of new banking functions.

 DSB mailed the following conversion guide to all users. You can view it here, 4- pages, in .pdf.  Or, read it here by topic:

Overview | Conversion Day | What You See | Additional on Mobile App | Bill Pay | Money Manager | External Funds Transfers | E-Statements & Notices | Discontinued Functions | To Do Checklist

 

Overview

DSBconnect digital online and mobile banking at Denison State Bank changed for all users on Tuesday, Oct. 29, 2019. This guide will tell you about the changes and how you can continue to have digital banking access.

Conversion Day and First Login on Oct. 29

All existing registrations prior to Oct. 25 remain active. Those do not have to re-register.

BROWSER LOGIN: the web site to login at remains www.dsbks.com. Click the “Login” box and it will take you to a new login screen.

MOBILE APP LOGIN: You will want to un-install the old DSB app on or after Oct. 29. You can install our new mobile app at App Store or Google Play; find it by searching “Denison State Bank.”

For customers who were registered prior to Oct. 25, login like this:

                Username: your existing Username remains active. If unsure of your Username now, contact DSB.

                Password: your one-time, first-time password is your Username + last 4 digits of your Social Security Number/tax ID number. Example: Username is “goldcrown”   Password will be “goldcrown1234” if the last 4 digits of the SSN/TIN are “1234”.  Once you login, you can click “Manage Profile” and change your username and password if you wish.

                Multi-Factor Authentication: security questions-and-answers will be used for the multi-factor authentication that provides additional login security. DSB no longer uses one-time passcodes/verification codes that are called, texted or emailed to you. Any time the security questions are presented, the answers must be keyed in exactly as they were when they were set up, and they are case sensitive. If answers are forgotten, DSB can reset them for you.

                Biometrics: Face ID and Touch ID on Apple, Finger on Android: if you have activated these biometric features on your mobile device, you can go into the DSB app settings and enable them for use.

What You See When You Login

(as seen on a browser login; displays on the mobile app will vary)

View Accounts: all your linked accounts and loans display in the “My Accounts” section. The balance in larger type is the Available Balance; the balance in smaller type is the daily ending balance from previous business day. Click on each account/loan for the transaction history and details. Within the details, you can access the last 24 months of posted transactions on the account and last 12 months of images. Information on closed accounts will stay available for 12 months. On the right side is contact info to DSB, a Quick Pay function, and graph showing monthly average balance comparisons.

Move Money: here you can do 4 types of money movements: 1) pay bills if enrolled for DSB Bill Pay, 2) transfer funds between accounts/loans that you own/manage at DSB, 3) transfer funds to another person using Person-to-Person, and 4) transfer funds to an outside bank account you own using A2A External Transfers. If you were registered for Bill Pay prior to Oct. 25, your payees will display in the "My Payees" section. Click the "New Transaction" to start any new Move Money payment/transfer.

Manage Cards: Visa Debit Card On/Off: you can turn your DSB Visa Debit Card on or off, giving you control in situations such as if you misplace your card or know that it is stolen. By turning the card temporarily off, the card cannot be used, even if found by you. It can only be used once you login and turn it back on, or if DSB turns it back on for you. If the card is turned off and you attempt to use it to pay, such as at a restaurant, the transaction will be declined.

Find Locations: load a map of DSB’s banking locations in Kansas. You may need to accept pop-up box to “track your location.”

Messages: submit questions to DSB and see our responses. Certain bank forms are be available to complete and submit should you need them.

Manage Alerts: any account-level alerts you had set up before show here, and you can set up new ones by clicking the “+” plus sign next to “My Alerts” box. Alert messages can be emailed and/or texted to you.

Documents: you can choose to allow DSB online statements and notices to be posted here. This will replace you needing to go to www.csiesafe.com, if you were previously registered for that. You must opt-in to these new Online Statements/Notices if you want them.

All My Money PFM: this is the new personal finance management (PFM) program.

Manage Profile (at top): control the settings for your contact info, login, accounts, and Bill Pay. You can set up sub-users to delegate digital account access to someone else.

Additional Functions on Mobile App

Mobile Check Deposit: you can deposit checks by capturing a front-and-back image of a check on the app and submitting for same-day deposit, one at a time. You will be prompted on how to frame the image and endorse the check.

Text Banking:  the new text number is 662265, which is “MOBANK” on keypad, as in “mobile banking.” You will need to set this up at Manage Profile > Contact Settings > Phone > Mobile > SMS Text Banking: On. Screens will show the short-codes to use, such as BAL and ACT.

Transaction Receipt Images: take a digital pic of your receipt, and store it with that transaction entry.

Bill Pay: Now Located in “Move Money”

Click "Move Money" or "Transfer" > My Payees. 

-- If a Bill Pay is sent by mailed check, the funds debit out of your checking account once the check has been cashed/deposited by the payee, which is later than what it is on the previous Bill Pay. Bill Pay checks post to your checking account as an actual check and image.

-- If a Bill Pay is sent by electronic ACH, the funds debit out on the processing send date, which is earlier than what it is on the previous Bill Pay.

Remember it this way: if sent by check, funds debit later; if sent electronically, funds debit earlier. Bill Pays are scheduled by the Due Date, not the Send Date. Always ensure you have sufficient funds in the account to pay any presented item at any time.

All My Money PFM

This is a personal finance management (PFM) program. Data in the previous PFM did not convert into this new one. 

Quicken and QuickBooks

DSB transaction data, exported as a stand-alone .qbo or .qfx file, can be imported into Quicken and QuickBooks using Web Connect. Automated logins to DSBconnect from Quicken/QuickBooks will not work.

External Transfers: P2P Funds Transfers: Now in “Move Money”

Click "Transfers" or "Move Money," then "New Transactions" to set up a P2P payee. P2P allows transfers to be sent nearly-instantly over the debit card network rather than the ACH network. You can send directly to a known debit card number, or send to a receiver’s email address or mobile phone, where they will be instructed on how to receive and forward the funds.

External Transfers: A2A Bank-to-Bank External Funds Transfers: Now in “Move Money”

These are the bank-to-bank transfers set up by users on their digital login at Transfers > A2A/B2B. These are not preauthorized transfers you may have set up elsewhere. We will now refer to this as A2A (account-to-account) or External Transfers. You will need to request this service of us, and we can manually activate it for you. Use this to send your DSB funds to an outside bank account that you own (limits apply).

Online Statements and Notices

Rather than having to go to a separate site www.csiesafe.com and do a separate login for e-statements/notices, your statements and notices can now be posted within your DSBconnect. When you first login, you can accept the “View Statements” offer, which will enroll you in online statement/notices delivery from that date forward. The first time a statement/notice is posted within your login, you will have to accept the Terms and Conditions shown, and then you click the .pdf of the posted file to open it. These files will remain on the site for 12 months, longer than the current 3-month history on CSIeSafe.

Based on the E-SIGN law that governs electronic communications from businesses to customers, you must opt-in to enroll for electronic delivery yourself; the bank cannot force that option upon you and cannot enroll you on your behalf. If you are currently using CSIeSafe and do not opt in to “View Statements,” your statements/notices will continue to be posted at www.csiesafe.com which requires the separate login at that site to access.

Discontinued Functions

Popmoney: See its replacement in the “P2P Funds Transfers” paragraph.

Bank-to-Bank Transfers: See its replacement in the “A2A” Funds Transfers” paragraph.

Chat: See its replacement in the “Messages” paragraph.

Debit Purchase Rewards: Discontinued.