Personal Online Banking FAQ

By January 29, 2000November 16th, 2022Personal Online Banking FAQ

May I change my Access ID?

Yes, you may select an individual Access ID. Contact Deposit Operations at Capitol Bank (608.836.1616) and let them know you would like to select your Access ID. They will work with you to change your assigned ID to one that you select.

How much does Online Banking cost?

Capitol Bank’s Personal Online Banking services are free of charge.

Do I need special software to access Capitol Bank’s Online Banking?

No. You just need an updated copy of any standard web browser, like Internet Explorer, Firefox or Safari. Due to browser settings, we recommend Internet Explorer for compatibility.

I’m concerned about security on the internet. Is my financial information safe while I use Online Banking?

This is a common concern about any transaction you make on the internet. Online Banking uses the latest technology that has been developed to protect data through encryption or coding of the information. This ensures that only authorized people can see the data, and the only way to see that data is to supply the correct password.

You can help protect your information, as well as the banking systems, by protecting your password. Your password is the only way to access your account information. Please keep your password secure.

We want you to know that any breach of the security of our systems is a serious issue for Capitol Bank. Our success depends on our ability to manage these systems safely. We will do everything we can to ensure the protection of your financial information.

What services and accounts are available in Online Banking?

Capitol Bank’s Online Banking allows you to view account balances, transfer funds between your Capitol Bank accounts, and make your Capitol Bank loan payments. You can access almost any account you have with Capitol Bank, including Checking, Savings, Money Markets, Certificates of Deposit, and Loans. The ability to pay your bills online is available through Bill Pay, which is available with our online banking product.

Why do I need to have an Access ID, a password and a Challenge Question/Answer for my Online Banking account?

To increase security, the online banking web site uses multi-factor authentication to identify customer accounts. The Log In page is split into two separate pages as part of a Layered Authentication approach. The Layered Authentication is a security feature designed to protect the privacy and security of your personal information. The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information.

How do I change my Capitol Bank Online Banking password?

To change your password, log on to Online Banking. At the top of the screen select “Options”. After you click on the “Edit” button, the system will open the “Password Change” window. Follow the prompts on the screen and then submit. Once you have changed your password, you will begin using the new password the next time you log onto eBanking.

What if I forget my Capitol Bank Online Banking password?

Enter your Access ID on When you reach the login page you’ll see a link below the submit button that reads “Forgot your password? Click here.” Follow the steps to have a temporary password sent to your email inbox. Login with that temporary password and you’ll be prompted to set a new password of your choosing. Give us a call if you would like us to help you through this process (608) 836-1616.

What should I do if one of my accounts isn’t visible in Online Banking?

If you don’t see one of your accounts on your initial Accounts screen, please let us know by calling us at 608-836-1616.

If I share a checking account with someone else, do we both need to enroll or can we share a Capitol Bank internet account?

For security reasons, we recommend that each person enroll separately and receive a unique Access ID for Online Banking. Please call us at 608-836-1616 for assistance.

Is the information I see in Capitol Bank’s Online Banking current?

Yes, the balances that you see for checking and savings accounts are real-time and will change throughout the day to reflect your transactions. For example, if you initiate a one-time transfer between your accounts via Online Banking, or if you use your Capitol Bank Debit card, your balance will be updated to reflect this activity.

What types of accounts can I transfer funds to and from?

You are able to transfer funds between any of your Capitol Bank savings and checking accounts within the limits specific to your accounts. You can also make loan payments by transferring funds from a savings or checking account to a loan account.

When will my transfer take place?

If your one-time transfer is initiated before 6:00 p.m CST, the transfer will take place on the same business day. However, if your one-time transfer is initiated after 6:00 p.m. CST, the transfer will take place on the next business day.

Is Capitol Bank’s Online Banking compatible with software that I already use to manage my money?

Capitol Bank’s Online Banking can export transaction information to Excel, Microsoft Money®, Quicken and QuickBooks.

Your Personal Financial Management software (PFM) user guide provides instructions on how to pull the transaction detail into your software. For assistance with your Personal Financial Management (PFM) software please consult your user guide or contact your PFM support. The instructions below identify how to export the transaction detail and save to a file that may be imported.

To use this feature, do the following:

  1. Click on the account for which you wish to export data.
  2. Within the Transactions button, click on Transactions Menu.
  3. In the Transaction Search box, use the drop-down menus and enter your search criteria.
  4. For “Export Format” specify the product and file type to which you would like to export your data.
  5. Click on the “Export” button and then save the file.

File options that you will see in the drop-down menu:

  • Quicken – Versions 2004 and older (.qif)
  • Quicken – Versions 2005 and newer (.qfx)
  • Quickbooks – Versions 2004 and older (.iif)
  • Quickbooks – Versions 2005 and newer (.qbo)
  • Comma Separated File (.csv)
  • Microsoft Money (.ofx)

What should I do if I have a question or need to talk to someone at the bank?

You can contact us via email. We will respond to you no later than the next business day. Or you can call us at 608-836-1616 from 8 a.m. – 5 p.m. Monday-Friday.

What are the hours for Capitol Bank’s Online Banking?

Capitol Bank’s Online Banking is available 24 hours a day, 365 days a year. The only exception is for system maintenance that will occur occasionally, and will be done during off-peak hours.

What is an Electronic Statement and how do I access it?

Any statement that Capitol Bank previously mailed to you will be available via your Online Banking account. These are called eStatements. Capitol Bank will email you when a new statement is available for you to view.

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