• Branches will be closed during conversion weekend.
• Limited customer support available Saturday, Oct. 4 (8:00 AM–Noon).
• Full service resumes Monday, Oct. 6 at 8:00 AM.
• Call Customer Support during business hours: 701-499-0975.
•  

• New look for statements and notices.
• Account numbers will be partially masked for added security.
• All statements will print as of Oct. 2. This will be an extra statement you normally would not receive.
• eStatements users will receive a paper statement this cycle and continue with eStatements following the conversion.
• Online statement access will pause during conversion. Download any needed records before Oct. 2.

• ATMs will remain available.
• Your current debit card stays active—no replacement is needed.
• Daily debit card limit: $1,000 during conversion.
• Alerts and rules will not carry over. Set them up again post-conversion.
• No new/replacement cards issued during the upgrade. Cards expiring in September or October will be issued early—please activate upon receipt.
• Digital wallets (Apple Pay, Google Pay, Samsung Pay) will convert automatically.
• New number to report a lost or stolen card, Oct 6: 1-888-297-3416
• New number to activate your card and manage pin, Oct 6: 1-800-290-7893, 206-624-7998 (international)
• If you are currently participating in our Transfer the Cents program, please review your accounts after October 6th to confirm transfer activity. For questions regarding your enrollment reach out to one of our Relationship Bankers.

• Personal online and mobile banking will be in view only mode Oct 2. at 5:00 PM and will resume October 6.
• For your security, multi-factor authentication required for set up—follow the prompts.
• One login button for all users post-upgrade.
• Account nicknames will not convert. Reestablish on the new system after Oct. 6.
• Mobile deposit paused Oct. 2 at 1:00 PM and will resume Oct 6.
• Mobile deposit accounts will require a one-time enrollment for each account before use.
• Images of checks, deposits, and eStatements dated prior to the conversion will be temporarily unavailable for online viewing. Access to these records will be restored in February 2026. To avoid disruption, please download any documents you may need before October 2.
• E-statement enrollment will not be available Sep 26 through Oct 5.
• Online auto enrollment will not be available Sep 26 through Oct 5.
• After Sep 26, there will be no access to Billpay. Oct. 2 will be the last payment date in the current system. Payments scheduled for Oct. 3-5 will process on Oct. 6 for payment Oct. 7.
• Print your Bill Payment payee info before Oct. 2 and verify on the new system after Oct. 6.
• Our current budgeting tool will be replaced with “Insights” – a new budgeting and account aggregation tool. Your current budget information will not automatically convert; please export or print current budget information.
• Text Banking will no longer be available. While this feature isn’t offered by our new provider, you’ll still enjoy fast, convenient access to your accounts through our Mobile App and Online Banking.
• Online enrollment for Consumer Online Banking will become available October 14, 2025.
• Access to QuickBooks/Quicken will be unavailable Oct. 2 at 5:00PM and will resume approximately one week after conversion.
• External transfers will not convert. Reestablish via online banking after Oct. 6.
• Print your Internal transfer list before Oct. 2 and verify on the new system after Oct 6.
• Internal bank transfers will convert, but some frequencies may change, as follows. Some frequencies will no longer be available. See frequencies chart below.
• Delete the old Border Bank app. Then, beginning at 8:00 AM on Oct 6, download the NEW Border Bank app.
• Look for our BB icon in the app stores (and refer to images below) to be sure you’re getting the correct Border Bank app. 

Frequencies Chart

• Business online banking and services will be unavailable Oct. 2 at 5:00 PM and will resume October 6.
• For your security, multi-factor authentication required for set up—follow the prompts.
• One login button for all users post-upgrade.
• Account nicknames will not convert. Reestablish on the new system after Oct. 6.
• Images of checks, deposits, and eStatements dated prior to the conversion will be temporarily unavailable for online viewing. Access to these records will be restored in February 2026. To avoid disruption, please download any documents you may need before October 2.
• Current tokens will not transfer; tokens will be changed to different token type.
• Download the new Border Bank app starting 8:00 AM, Oct. 6, and delete the old app.
• After Sep 26, there will be no access to Billpay. Oct. 2 will be the last payment date in the current system. Payments scheduled for Oct. 3-5 will process on Oct. 6 for payment Oct. 7.
• Business Bill Payment will not convert. Print payee info before Oct. 2 and reestablish on the new system after Oct. 6.
• Access to QuickBooks/Quicken will be unavailable Oct. 2 at 5:00PM and will resume approximately one week after conversion.
• If you use our treasury management services, such as ACH Origination, Positive Pay, Remote Deposit Capture, or Online Wires you will be receiving additional communication.
• Internal transfers will convert; some frequencies may change, as follows. Some frequencies will no longer be available. See frequencies chart.

Frequencies Chart

Border Bank is migrating to a new online and mobile banking system on Monday, October 6th, 2025, and this upgrade will require that you make changes to your QuickBooks or Quicken software.

Please take action to ensure a smooth transition. Conversion instructions are available below.

1st Action Date: Thursday, October 2nd, 2025

A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade.

2nd Action Date: Monday, October 6th, 2025

This is the action date for the remaining steps on the conversion instructions. Please complete the deactivate/reactivate of your online banking connection to ensure you get your current Quicken or QuickBooks accounts set up with the new connection.

Conversion Instructions

QuickBooks Desktop

QuickBooks Online

Quicken Desktop

Mint

Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QBO file during this outage.

The following services may not work during the outage:

• Win/Mac Express Web Connect
• Online Express Web Connect
• Mint

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

Need help? Call us at 701-499-0975 during business hours or use Live Chat at the bottom of our homepage.

Below you will find a variety of services—some of which you may be using—that will be temporarily unavailable or will undergo changes during the transition. We appreciate your patience and understanding as we work to bring you a more streamlined experience.

To help you get the most out of our new business online banking platform, Treasury Management, we’ve created helpful instructions. See below. This resource is tailored to the services you use and will make learning the new system as smooth as possible.

Log In Experience

• A Welcome Email will be sent to users from donotreply@notifications.border.bank with a website link and instructions to log in. Please note the Welcome Email expires 7 days from the date it is sent.
• In a separate secure email from treasurymanagement@border.bank, users will be provided a Company ID to be used in conjunction with their existing Username to initiate the log-in process.
• Customers will need to establish Two Factor Authentication at login and activate a Secure Token (Symantec VIP) that will be used for high-risk transactions.
• Symantec Tokens are available as a mobile app or can be downloaded to your desktop.

Business Online Banking Conversion Details

• Business Bill Pay access will be discontinued on the current system as of September 26th. The last payment effective date can be no later than October 2nd.
• Business Bill Pay will not convert and will need to be reestablished. Customers should download payment history and payee information to avoid any disruption.
• Account Nicknames will convert.
• Account and Transaction Alerts will not convert.
• Images of checks, deposits, and eStatements dated prior to the conversion will be temporarily unavailable for online viewing. Access to these records will be restored in February 2026. To avoid disruption, please download any documents you may need before October 2.
• Internal bank transfers will convert, but some frequencies may change. See frequencies chart.

ACH Origination

Please note, customers that have payroll processed by a third-party processor will need to share with their processor all ACH origination information below. 

• Last day to submit files in the current system will be October 2nd. Effective date of file cannot be dated after Friday, October 3rd.
• Files that need to be processed on Monday, October 6th will need to be processed in the new system on Monday as a same-day file.
• Effective October 6, the ACH Transmittal Form will be discontinued. The new system utilizes Two Factor Authentication at login and token-based authentication during high-risk transactions—this is a modern and secure approach to authenticate user and transaction activity. This communication serves as notification of the change in our security procedure and delivery of files. We will be contacting you with updates to the related schedules of your ACH agreement.
• ACH Originators uploading NACHA formatted files: Please message our ACH Department at ach@border.bank and provide the exact formatting of your Company Name in your NACHA file header (including capitalization, spaces, and punctuation). Also, please let us know if you include your offset/funding account with Border Bank within your NACHA file.
• ACH templates are expected to convert successfully; however, as a precaution, please download your ACH template information as a CSV or PDF file before October 2nd at 5:00pm.

Electronic Data Interchange (EDI) Reporting

• Customers receiving EDI reporting today will continue to receive emailed reports from Fed Reporter.

Remote Deposit Capture (RDC)

• RDC will continue to function as it currently does.  

Positive Pay

• Last day for decisioning items in the current system will be Thursday, October 2nd at 11:30 a.m.
• Check and ACH Exception items on Friday, October 3rd will be communicated to applicable customers via email from your banker and/or Treasury Management team. Customers will need to respond via email prior to 11:30 a.m. on Friday, October 3rd confirming their decision on the exception items.
• Outstanding issued check items may not convert. Please download outstanding issued check information from the current system prior to October 2nd.
• ACH Filters/Rules (Approved & Blocked lists) will not convert. Please download this information from the current system prior to October 2nd.
• Clients will need to establish alerts within the TM platform to receive notification of exceptions going forward.

Online Wires

• Last day for initiating a wire on the current system will be Thursday, October 2nd at 3:30 p.m.
• If wires need to go out on Friday, October 3rd, customers should reach out to their Business Banker to have the wire initiated.
• Wire templates will convert.

Intuit (QuickBooks/Quicken) – Action Required prior to October 2nd 

• Please see the QuickBooks, Quicken and Mint drop down from the menu.

Insured Cash Sweeps – Intrafi Network (ICS/CDARs)

• Customers will continue to access ICS/CDARs information through the current portal, Depositor Control Panel.

Information Center on New TM Platform

• We encourage customers to pay close attention to the Information Center of the new Treasury Management Dashboard for ongoing direction and updates after October 6th.
• These updates will include instructions for bookmarking our new TM mobile experience, reminders for customers, and more helpful tips to make your transition seamless.

We may need your help verifying that billing addresses and account numbers are still accurate.

On Hold Payees 

• On Hold Payees will be highlighted in yellow and appear at the top of your biller list.
• You will be directed to update payee information to allow for timely processing of payments. 

Why is my Bill/Payee On Hold? 

• Payee addresses will be validated against the United States Postal Service data base.
• If the BillPay system is unable to validate the address, the payee will be placed in an On Hold status.
• Payees without account number information or incomplete account number information will be placed in an On Hold status.
• Email notifications will be generated to users starting 5 days prior to a payment send date to remind users to update biller information.