Border State Bank

Your upgraded Digital Experience is coming soon!

Border Bank System Upgrade | October 2 - 5

We are upgrading our core banking system to serve you better. Most changes will happen behind the scenes, but a few services will be temporarily paused, and some settings may need to be reestablished. This webpage outlines what’s changing, what’s staying the same, and how to prepare.


 

Branch Access & Support
  • 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.
  •  
Statements & Notices
  • 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.
Debit Cards & ATMs
  • 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)
Personal Online Banking & Mobile App
  • 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 between June 11 and October 2 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 from this timeframe 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.
  • Transfer the Cents will discontinue and be replaced with a "Save Up" program, Oct 6. Please re-enroll.
  • 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.
  • 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.
  • 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.

Frequencies Chart

Current Transfer Frequencies
NEW Transfer Frequencies

Weekly

Weekly

Monthly

Monthly

Every Two Weeks

Every Two Weeks

 

Twice A Month

Every Two Months

No longer available.

Quarterly

No longer available.

Every Six Months

No longer available.

Annually

No longer available.

 

Business Online Banking
  • 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 between June 11 and October 2 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 from this timeframe 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

Current Transfer Frequencies
NEW Transfer Frequencies

Weekly

Weekly

Monthly

Monthly

Every Two Weeks

Every Two Weeks

 

Twice A Month

Every Two Months

No longer available.

Quarterly

No longer available.

Every Six Months

No longer available.

Annually

No longer available.

QuickBooks, Quicken, and Mint Users - ACTION NEEDED

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.

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