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Armstrong Bank 
Digital Banking FAQs
General Digital Banking FAQs
Q: Who can use Digital Banking?
Anyone who is an Armstrong Bank customer may enroll and gain access to any account on which they are listed as primary owner or co-owner.
Anyone who is an Armstrong Bank customer may enroll and gain access to any account on which they are listed as primary owner or co-owner.
Q: Can a business client use Digital Banking?
Yes. The person opening the account must be on the corporate resolution and authorized to open accounts on behalf of the business. If you are authorized, you can fill out an Online Banking application on behalf of the business.
Yes. The person opening the account must be on the corporate resolution and authorized to open accounts on behalf of the business. If you are authorized, you can fill out an Online Banking application on behalf of the business.
Q: Can business accounts and personal accounts be combined under the same client online set up?
Not generally. Online setups are done on an individual basis and businesses are considered to be a separate entity.
Not generally. Online setups are done on an individual basis and businesses are considered to be a separate entity.
Q: When is Digital Banking available for use?
Digital Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance.
Digital Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance.
Q: How late in the evening can I make a transfer on a normal business day?
Transfers can be made up to 11 p.m. CST and still apply towards the same-day’s balance. Any transfers after this time will post on the next business day.
Transfers can be made up to 11 p.m. CST and still apply towards the same-day’s balance. Any transfers after this time will post on the next business day.
Q: Are there limits on the number of transfers a client can make?
Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers made. However, due to federal regulations, savings and money market accounts are allowed no more than six transfers per month (including no more than three checks).
Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers made. However, due to federal regulations, savings and money market accounts are allowed no more than six transfers per month (including no more than three checks).
Q: How current is the information?
The available balance for checking and saving accounts is real time and will change throughout the day based on the activity. For example, as you use your ATM or debit card or transfer money between accounts, the available balance will be updated to reflect the activity.
The available balance for checking and saving accounts is real time and will change throughout the day based on the activity. For example, as you use your ATM or debit card or transfer money between accounts, the available balance will be updated to reflect the activity.
Q: I’m having trouble accessing Digital Banking. What should I do?
There are several possibilities:
There are several possibilities:
- If you are having problems accessing other websites as well, please contact your Internet Service Provider (ISP)
- If you can access other websites but not Armstrong Bank’s website, either our system is offline or we are experiencing a temporary disruption in service. Please try again later.
- If the problem persists, please contact Customer Care at 888-680-2655.
Q: Why won’t my password work?
Your Password may not work for these reasons:
- You may be entering the wrong password
- You could be locked out of the system
You are allowed three password attempts. If the third attempt is invalid, you will be locked out of the system.
Additionally, if you have not accessed your accounts via Digital Banking in the past 180 days, your online account may be inactive.
These security features are built into the system in order to protect you and your personal information.
If you are locked out or inactive, please contact Customer Care at 888-680-2655 and request that your account be unlocked.
Q: What do I do if I forget my Identification or Password?
Following the steps in the password reset tool is a good first step and should get you logged into Digital Banking. If you still need further assistance, please call Customer Care at 888-680-2655, and we will be happy to assist you.
Following the steps in the password reset tool is a good first step and should get you logged into Digital Banking. If you still need further assistance, please call Customer Care at 888-680-2655, and we will be happy to assist you.
Q: What happens if I forget to log off of the system?
By default, Digital Banking has a 10-minute time-out feature. If the system is not used for 10 minutes, the user will become inactive and will have to log on again.
By default, Digital Banking has a 10-minute time-out feature. If the system is not used for 10 minutes, the user will become inactive and will have to log on again.
Q: Why does a debit show on my account more than once when I only used my debit card once?
The business where you used your debit card "preauthorized" your purchase, which ensured your transaction was valid. "Preauthorization" places a temporary "memo-debit" on your account. Once the actual debit is received, the original "memo-debit" will disappear from your account. If you have further questions about this type of transaction, please please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app
The business where you used your debit card "preauthorized" your purchase, which ensured your transaction was valid. "Preauthorization" places a temporary "memo-debit" on your account. Once the actual debit is received, the original "memo-debit" will disappear from your account. If you have further questions about this type of transaction, please please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app
Q: What is Zelle?
Zelle is a fast, safe and easy way to send and receive money with friends, family or others between domestic bank accounts at U.S.-based financial institutions. Using just their U.S. mobile number or email address, send money directly to their bank account right from yours with no fees from us for using Armstrong Bank Digital Banking (our app or online banking).
Zelle is a fast, safe and easy way to send and receive money with friends, family or others between domestic bank accounts at U.S.-based financial institutions. Using just their U.S. mobile number or email address, send money directly to their bank account right from yours with no fees from us for using Armstrong Bank Digital Banking (our app or online banking).
Q: How much does it cost to use Zelle?
There’s no fee to send or receive money with Zelle using our Digital Banking.
There’s no fee to send or receive money with Zelle using our Digital Banking.
Q: How do I receive money with Zelle?
To receive money with Zelle, you’ll need to enroll your U.S. mobile number or email address (the sender needs to use the specific email address or U.S. mobile number that you enrolled). Please note that only U.S. mobile numbers are eligible. Voice over IP (VOIP), landlines, and Google voice numbers are not eligible for Zelle enrollment. After enrollment, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle. Once they do, there's nothing you have to do. The money will go directly into your account, typically in minutes.
To receive money with Zelle, you’ll need to enroll your U.S. mobile number or email address (the sender needs to use the specific email address or U.S. mobile number that you enrolled). Please note that only U.S. mobile numbers are eligible. Voice over IP (VOIP), landlines, and Google voice numbers are not eligible for Zelle enrollment. After enrollment, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle. Once they do, there's nothing you have to do. The money will go directly into your account, typically in minutes.
Q: How do I know money was sent to me?
If you’re enrolled with Zelle. In addition to receiving an email or text from Armstrong Bank alerting you that you’ve received money, you can view incoming and outgoing Zelle payments in your Zelle Activity.
If you’re enrolled with Zelle. In addition to receiving an email or text from Armstrong Bank alerting you that you’ve received money, you can view incoming and outgoing Zelle payments in your Zelle Activity.
If you're not enrolled with Zelle®: You’ll receive an email or text notification from Zelle with instructions on how to enroll to receive your money.
Q: Does Armstrong Bank or Zelle offer a protection program?
Neither Armstrong Bank nor Zelle offers a protection program for any authorized payments using Zelle.
Neither Armstrong Bank nor Zelle offers a protection program for any authorized payments using Zelle.
Please remember: While Zelle is a great way to send money to family, friends and people that you know and trust (such as your roommate, babysitter, workout partner, or a neighbor), we recommend you do not use Zelle for potentially high-risk transactions (for example, if you don’t know the person) or aren’t absolutely certain you’ll get what you paid for (such as items bought from an online bidding or sales site).
Q: Can I cancel a Zelle payment once it’s been sent?
You can only cancel pending payments to recipients not yet enrolled with Zelle. You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page.
Q: How quickly does the money get sent with Zelle?
If your recipient is enrolled with Zelle, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money. Once enrolled, the money moves to the recipient’s account and is typically available within minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent or if you cancel the payment, the money is released back to your account, and the transaction is cancelled.
You can only cancel pending payments to recipients not yet enrolled with Zelle. You can see incoming and outgoing Zelle payments (both pending and completed) on the Zelle Activity page.
Q: How quickly does the money get sent with Zelle?
If your recipient is enrolled with Zelle, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money. Once enrolled, the money moves to the recipient’s account and is typically available within minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent or if you cancel the payment, the money is released back to your account, and the transaction is cancelled.
Q: What happens if the contact information I enter for my recipient is wrong?
If you send money to a U.S. mobile number or email address that differs from the contact information of your intended recipient, check the ‘Pending’ section of your Zelle activity. If the status of your payment is ‘Pending,’ you can cancel it. If the payment is displayed in ‘History,' please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app.
If you send money to a U.S. mobile number or email address that differs from the contact information of your intended recipient, check the ‘Pending’ section of your Zelle activity. If the status of your payment is ‘Pending,’ you can cancel it. If the payment is displayed in ‘History,' please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app.
Q: Can I use Zelle at Armstrong Bank if I already use Zelle at another bank?
If your U.S. mobile number or email address is associated with another bank and you want money sent to your Armstrong Bank account instead, you can change it in our app (please note that this functionality is not available in Online Banking). In order to do this, simply follow the ‘Receive money’ instructions.
If your U.S. mobile number or email address is associated with another bank and you want money sent to your Armstrong Bank account instead, you can change it in our app (please note that this functionality is not available in Online Banking). In order to do this, simply follow the ‘Receive money’ instructions.
If you want to continue receiving money at your other bank, you can use a different U.S. mobile number or email address to enroll with Zelle at Armstrong Bank.
Bill Pay FAQs
Q: How do I sign up for Bill Pay?
Simply select the Bill Pay icon and complete the enrollment process.
Simply select the Bill Pay icon and complete the enrollment process.
Q: What features are available in Bill Pay?
You can pay most merchants, individuals, and institutions. And, you can even schedule individual or recurring payments.
You can pay most merchants, individuals, and institutions. And, you can even schedule individual or recurring payments.
Q: What are the cut-off times to add, edit, or delete payments?
Previously scheduled payments can be edited or deleted until 7:00 a.m. (CST) on the scheduled payment date. New payments may be added until 2 p.m. CST in order to send on the same business day.
Previously scheduled payments can be edited or deleted until 7:00 a.m. (CST) on the scheduled payment date. New payments may be added until 2 p.m. CST in order to send on the same business day.
Q: If I have a payment scheduled but do not have the funds available, how many times will the payment be attempted?
Payments will only attempt to be processed for three business days.
Payments will only attempt to be processed for three business days.
Q: Who do I contact if I have a question regarding my Armstrong Bank Bill Pay Payments?
Please contact please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app. We'll be happy to handle any questions regarding payments, stops, etc.
Please contact please contact us directly at contactus@armstrongbank.com, 888-680-2655, or through the messenger in our app. We'll be happy to handle any questions regarding payments, stops, etc.
E-Docs FAQs
Q: How do I enroll in E-Docs?
- Log in to Digital Banking, select your account from the Dashboard, and select the Documents option.
- Follow the quick and easy steps to enroll.
- Select the accounts for which you wish to receive E-Docs.
You can enroll bank in electronic statements for checking and savings accounts as well as most any other notice Armstrong Bank may send.
Q: What documents are available as E-Docs?
Checking Accounts
- Customer Statements
- Return Item Notices
- Insufficient Funds Notices
- Wire Customer Notices
- Account Analysis Statements
- Check Card Opt-In Confirmation Notice
- Telephone/In-Person Transfer Notice
- Sweep Transfer Notice
- Check Card Opt-In Revocation Notice
- Account Analysis Statement for Reviewed Accounts
Savings Accounts
- Customer Statements
- Wire Customer Notices
- Check Card Opt-In Confirmation Notice
- Telephone/In-Person Transfer Notice
- Sweep Transfer Notice
- Check Card Opt-In Revocation Notice
- Account Analysis Statement for Reviewed Accounts
Loans
- Wire Customer Notices
- Loan Billing Notice
- Loan Past Due Notice
- Loan Past Due Notice (Second Notice)