Online Banking Upgrade LP
Online Banking
Upgrade.
Faster, easier, more
convenient, and made
for you.
At First National Bank of Waterloo, we always
put your needs first.
That is why we are upgrading your Online Banking experience on November 20th, 2025. Soon you’ll enjoy the ease and convenience of an upgraded platform with additional features all backed by the friendly experts you know and trust.
Important Online Banking Upgrade Information
- Your username and password will not change to make for a seamless transition. Please note: if your username is less than 9 characters, you will be prompted to update upon login on Nov. 20th.
- A new and improved online banking app will be available on and after November 20. You will be redirected to download the new app from your specific App store (Apple or Google Play).
- All your current payments and transfers will remain the same. Please note: Bill Pay will be unavailable on November 18 and 19.
- Your online banking experience will be “read only” on November 18 and 19.
- All personal and business banking customers can review the Online Banking Upgrade FAQs for more information by using the link below.
Important
PLEASE CALL THE BANK AT (888) 231-3165 BEFORE THE UPGRADE to make sure we have your most current phone number to use for multi-factor authentication. Having MFA will alleviate the need for consistent password changes making your experience even more seamless and convenient!
Frequently Asked Questions
- How will I access the new online banking system after the upgrade?
Access enhanced online and mobile banking tools and features the same way you bank now. Just visit
www.fnbwaterloo.bank or log in via the banking app. No address changes required. - Will I have to change my username or password?
Your username and password will not change. Please note: if your username is less than 9 characters, you will be prompted to update upon login on Nov. 20th. - Do I need to download a new app?
Yes, you can download our enhanced app on November 20 to enjoy the new features. - Will there be any changes to Bill Pay?
There will be no changes to Bill Pay. - Will there be any changes to Remote Deposit Capture, ACH Origination or other Cash Management Services for business customers?
No. All services will remain the same with an improved look and feel. - Will my scheduled external transfers process?
Yes, but you will not be able to create new external transfers on November 18 and 19. - Will I be able to log in November 18 & 19?
Yes, but online banking will be in read-only mode. Therefore, you won’t be able to see statements or check images. - When will the new platform be available for use?
Our new platform will be ready for you to enjoy on November 20 at 9:00 AM. - Will I have access to QuickBooks and Quicken?
This upgrade will require that you make changes to your QuickBooks or Quicken software to ensure a smooth transition. The conversion instructions reference two Action Dates provided below.
1st Action Date: November 17, 2025
A data file backup and final transaction download should be completed by this date. Please make sure to complete the download before November 17, since the transaction history might not be available after the upgrade.
2nd Action Date: December 1, 2025
This is the action date for the remaining steps in the conversion instructions. You will complete the deactivation/reactivation of your online banking connection to ensure that you get your current QuickBooks or Quicken accounts set up with the new connection.The complete conversion instructions can be downloaded as follows:
Download Quicken: HERE
Download QuickBooks Desktop: HERE
Intuit aggregation services may be interrupted for up to 5 business days after November 20. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:
* Quicken Win/Mac – Express Web Connect
* QuickBooks Online – Express Web Connect
Please carefully review your downloaded transactions after completing the conversion instructions to ensure no transactions were duplicated or missed on the register. - Will I be able to manage my debit card?
During the upgrade period you will not be able to manage your debit card preferences and settings. - Can I open a new account during this time?
New account opening will be unavailable during the upgrade period. - Will I be able to use online chat with a representative on November 18–20?
Our online chat feature will not be available November 18–20. - Can I make a mobile deposit on November 18 and 19?
Mobile deposit services will not be available November 18 and 19. - Will I automatically be directed to sign up for multi-factor authentication (MFA)?
Yes. But please make sure we have your correct phone number for a smooth transition. - Will I be able to access Zelle®?
Zelle will not be available during the upgrade period. - Will my text/email alerts I had set up come over to the new platform?
Yes. You will have to set up push notifications.
Business Online Banking Customers
- Will there be any changes to Remote Deposit Capture, ACH Origination, Positive Pay, Wires, Business Bill Pay or other Cash Management Services for business customers?
No. All services will remain the same with an improved look and feel. - Will my automatic internal recurring transfers set up in the previous business online banking system automatically transfer to the new platform?
No, internal recurring transfers that were set up in the previous business online banking system will not automatically transfer over. You will need to re-establish these transfers within the new online banking platform. - As an ACH Originator, will my automatic ACH recurring transfer set up within the previous business online banking system automatically transfer to the new platform?
No, automatic ACH recurring transfers that were set up in the previous business online banking system will not automatically transfer over. You will need to re-establish these transfers within the new online banking platform. - Will my physical token stay the same?
Yes, your physical token will stay the same but you will be prompted to re-enable the token upon first login on November 20. You will no longer be required to use a four digit pin following your token generated passcode. - Will my digital token (DigiPass) stay the same?
No. You will have to install a new DigiPass app and will be prompted to re-enable the token upon first login on November 20. You will no longer be required to use a four digit pin following your token generated passcode. Starting on November 20, use the following links to download the new app.
DigiPass Apple
DigiPass Google Play
- Will I have access to QuickBooks and Quicken?
This upgrade will require that you make changes to your QuickBooks or Quicken software to ensure a smooth transition. The conversion instructions reference two Action Dates provided below.
1st Action Date: November 17, 2025
A data file backup and final transaction download should be completed by this date. Please make sure to complete the download before November 17, since the transaction history might not be available after the upgrade.
2nd Action Date: December 1, 2025
This is the action date for the remaining steps in the conversion instructions. You will complete the deactivation/reactivation of your online banking connection to ensure that you get your current QuickBooks or Quicken accounts set up with the new connection.The complete conversion instructions can be downloaded as follows:
Download Quicken: HERE
Download QuickBooks Desktop: HERE
Intuit aggregation services may be interrupted for up to 5 business days after November 20. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:
* Quicken Win/Mac – Express Web Connect
* QuickBooks Online – Express Web Connect
Please carefully review your downloaded transactions after completing the conversion instructions to ensure no transactions were duplicated or missed on the register.
If you have any questions or need any assistance, please don’t hesitate to contact us: (888) 231-3165 or email us.
