Online Banking Guides

A Secure Access Code (SAC) is an additional security measure used to verify your identity when logging into your account for the first time from a new device. Using your information on file, you receive a text or phone call with a 6-digit code that you will use when logging in. This SAC process is an example of why having updated customer contact information on file is important.

• Fraudsters have been successful in gaining access to e-mail that is not protected by multi-factor authentication.
• Many e-mail servers are not encrypted, exposing risks to receive access codes via email.

• Keep your contact information and address information up to date with us.  Let us know if you move or change phone numbers.
• Sign up for electronic statements to reduce your risk of identity theft or mail fraud.
• Sign up for alerts in online banking to alert you to account changes.
• Never share passwords or online banking credentials.
• Never give our your secure access code.  The bank will never ask for this number.
• Contact us if you detect any suspicious activity.

Soft tokens are digital authentication keys. They’re called ‘soft tokens’ because soft tokens are based on software. Single-use authentication codes, authenticator apps, or clickable authentication links are all soft tokens. Soft tokens can be stored on almost any device and are easy to create. You will simply download an easy-to-use app on your phone called Symantec VIP and provide a unique code to login to online banking that is displayed on the app.

Soft tokens have rapidly become the industry-standard security replacement over hard tokens. Many companies and banks now offer soft tokens, replacing hard tokens entirely as a security practice. There are several benefits to soft-tokens vs. hard tokens. Soft tokens replace the physical hard token with a software application that can run on a variety of devices. They offer a more flexible, dynamic, secure and easy-to-manage option in today’s increasingly mobile and cloud-based environments. Software tokens do have additional benefits: there is no physical token to carry, they do not contain batteries that will run out, and they are less expensive than hardware tokens. Clients also rarely forget a soft token since it is generally accessed using a smart phone that the user always carries on their person.

Hardware tokens suffer from a number of limitations. They are expensive, they can break or get lost or stolen, they are difficult to distribute to teams that are not in the same geographic location and require a significant amount of IT resources to manage. It is important that the bank offers you a solution that is secure, flexible and cost effective, in order to keep our costs low for you and invest in other solutions and services that offer you other value. Most hard tokens are also not secure enough to be used alone and are therefore used in conjunction with passwords. Not only does this result in increased overhead, but as long as passwords remain an authentication credential – alone or in conjunction with another factor of authentication – they can be phished, cracked, or stolen after being hashed. In most cases, hard tokens are used as an additional factor, rather than a replacement of passwords, some have no support for enterprise network access, and they can incorporate static passwords that remain a vulnerability once inside the network.

For the reasons outlined above, we strongly recommend using a different device to download the Symantec VIP soft token. As an alternative to smart phone app download, you may download a soft token to your computer versus a smart phone.

The Symantec VIP app does not contain any company information.  It does not allow access to the company bank account information on your phone.  It simply displays a unique, one-time code to you that you enter into online banking. No company information whatsoever is stored on your personal device.

The bank recommends the municipality update the policy to reflect soft tokens be allowed, since soft tokens are now industry standard security practice. We recognize that some of these policies have been established many years ago and have not been updated with current industry-standard practices.

Downloading your Online Banking Symantec VIP Soft Token

Go to the Symantec VIP Token site here and click Download: Symantec VIP – Two Factor Authentication Anywhere

To download to mobile, choose VIP Access for Mobile for either iOS or Android, to download to your desktop choose VIP Access for Computer for either Mac or Windows

Once the Token is downloaded please provide the “Credential ID” to the ASB employee helping with your onboarding over the phone. Do not email the ID number to the bank. There are four letters and eight numbers in each credential ID.

View of Desktop Token: View of Mobile Token: When logging in with a Token for the first time, you will need to enter two Security Codes.

Enter the first six digit security code in box one, wait for the security code to change on the token (this may take up to thirty seconds) and enter the second six digit code and click login.

On your next login and subsequent logins, you will only be required to enter one security code. *Please Note: If you get a new Mobile device or Computer you will need to provide a new Credential ID to the bank.

Note: This guide is only for Quicken Users. Please do not use this for QuickBooks Desktop, QuickBooks Online or Mint. Please consult guides named ‘QuickBooks Desktop” or “QuickBooks Online” or “Mint” Instructions for support of those products.

Androscoggin Bank supports all options that Quickbooks/Quicken and Mint offer to their customers to connect to Androscoggin Bank. (This includes both Web Connect and Direct Connect.)

Web connect is used when customers download a .qbo (QuickBooks) or .qfx (Quicken) file and then import that file into QuickBooks or Quicken. This process does not require institution credentials to be entered in Quicken or QuickBooks since the file download occurs in their regular online banking login. Products that support Web Connect: QuickBooks Desktop, QuickBooks Online and Quicken.

Direct Connect is where customers do not need to log in directly to online banking to use this connectivity type. Once connected, updates will occur when the end user initiates a new download request from within the product. Direct Connect is the only two-way communication connectivity type. Products that support Direct Connect: QuickBooks Desktop and Quicken.

To successfully connect Quicken:

• 1st you must know What Type of Connection You Are Using: (Web Connect or Direct Connect)
• 2nd, If you must know whether you are using a MAC or PC.

Important: To successfully connect, you must complete your first login to Androscoggin Bank’s updated online banking experience before following these instructions below.

Intuit does take up to 5 business days to update their connection after online banking upgrades for Quickbooks, Quicken or Mint. If you are unable to connect successfully after October 24th, but can login to online banking, please contact Intuit Support.

Quicken Windows Direct Connect and Express Web Connect:

Download data prior to the switch:

1. Back up your Quicken Windows Data File. Go to File > Backup and Restore > Backup QuickenFile.
2. Download the latest Quicken Update. Go to Help > Check for Updates.
3. Complete a final transaction download. Accept all new transactions into the appropriate registers.

Disconnect and Reconnect:

1. Deactivate online banking connection for accounts connected.
   1. Choose Tools > Account List.
   2. Click Edit on the account to deactivate.
   3. In Account Details, click Online Services.
   4. Click Deactivate. Follow prompts to confirm deactivation.
   5. Click the General tab.
   6. Delete Financial Institution and Account Number information. Click OK to close window.
   7. Repeat steps for any additional accounts that apply.
2. Reconnect the online banking connection for your accounts.
   1. Choose Tools > Account List.
   2. Click Edit on the account you want to activate.
   3. In Account Details, click Online Services and then choose Set up Now.
   4. Type your Androscoggin Bank in the search field and click Next.
   5. Choose: Androscoggin Bank (not Androscoggin Bank QB DC)
   6. Enter your bank credentials. Ensure you associate the accounts to the appropriate accounts already listed in Quicken.
   7. Select Link to an existing account and select the matching accounts in the drop-down menu. Important: Do NOT choose “Create a new account” unless you intend to add a new account to Quicken. If you are presented with accounts you do not want to track in this data file, choose Ignore – Don’t Download into Quicken or click Cancel.
   8. After all accounts have been matched, click Next and then Done.

Quicken Mac Direct Connect and Quicken Connect

Download data prior to the switch:

1. Backup Quicken Mac Data File and Update the application.
   1. Choose File > Save a Backup.
   2. Download the latest Quicken Update. Choose Quicken > Check for Updates.
2. Complete a final transaction download.
   1. Complete last transaction update before the change to get all of your transaction history up to date.
   2. Accept all new transactions into the appropriate registers.

Disconnect and Reconnect:

1. Click your account in the Accounts list on the left side.
2. Choose Accounts > Settings.
3. Select Set up transaction download.
4. Enter Androscoggin Bank in the search field, select Androscoggin Bank (not Androscoggin Bank QB DC) and click Continue.
5. Enter your bank credentials.
6. In the “Accounts Found” screen, ensure you associate each new account to the appropriate account already listed in Quicken. Under Action, choose Link to pick your existing account. Important: Do NOT select “ADD” in the Action column unless you intend to add a new account to Quicken.
7. Click Finish.

Quicken Windows Web Connect

Download data prior to the switch:

1. Backup Quicken Windows Data File and Update.
   1. Choose File > Backup and Restore > Backup Quicken File.
   2. Download the latest Quicken Update. Choose Help > Check for Updates.
2. Complete a final transaction download.
   1. Complete last transaction update before the change to get all of your transaction historyup to date.
   2. Repeat this step for each account you need to update.
   3. Accept all new transactions into the appropriate registers.

Disconnect and reconnect:

1. Deactivate online banking connection for accounts connected.
   1. Choose Tools > Account List.
   2. Click Edit on the account to deactivate.
   3. In Account Details, click Online Services.
   4. Click Deactivate. Follow prompts to confirm deactivation.
   5. Click the General tab.
   6. Delete Financial Institution and Account Number information.
   7. Click OK to close window.
   8. Repeat steps for any additional accounts.
2. Reconnect online banking connection for accounts that apply.
   1. Download a Quicken Web Connect file from Androscoggin Bank’s online banking site.
   2. In Quicken, choose File > File Import > Web Connect (.QFX) File.
   3. Use the import dialog to select the Web Connect file you downloaded. An “Import Downloaded Transactions” window opens.
   4. Choose Link to an existing account. Select the matching account in the drop-down menu. Associate the imported transactions to the correct account listed in Quicken.
   5. Repeat this step for each account you have connected to this institution.

Quicken Mac Web Connect

Download Data Prior to the Switch:

1. Backup your Quicken Mac data file and update the application.
   1. Choose File > Save a Backup.
   2. Download the latest Quicken Update. Choose Quicken > Check for Updates.
2. Complete a final transaction download.

Disconnect and Reconnect:

Activate online banking connection for accounts connected.

1. Select your account under the Accounts list on the left side.
2. Choose Accounts > Settings.
3. Select Set up transaction download.
4. Enter Androscoggin Bank in the search field, select Androscoggin Bank (not Androscoggin Bank QB DC) and click Continue.
5. Log into Androscoggin Bank online banking site and download your transactions to your computer. Important: Take note of the date you last had a successful connection. If you have overlapping dates in the web-connect process, you may end up with duplicate transactions.
6. Drag and drop the downloaded file into the box titled Drop download file. Choose Web Connect for the “Connection Type” if prompted.
7. In the “Accounts Found” screen, ensure you associate each new account to the appropriate account already listed in Quicken. Under the Action column, click Link to pick your existing account. Important: Do NOT select “ADD” in the Action column unless you intend to add a new account to Quicken.
8. Click Finish.

Note: This guide is only for Quickbooks Online Users. Please do not use this for Quickbooks Desktop, Quicken Or Mint. Please consult guides named ‘QuickBooks Desktop” or “Quicken” or “Mint” Instructions for support of those products.

Androscoggin Bank supports all options that Quickbooks/Quicken and Mint offer to their customers to connect to Androscoggin Bank. (This includes both Web Connect and Direct Connect.)

Web connect is used when customers download a .qbo (QuickBooks) or .qfx (Quicken) file and then import that file into QuickBooks or Quicken. This process does not require institution credentials to be entered in Quicken or QuickBooks since the file download occurs in their regular online banking login. Products that support Web Connect: QuickBooks Desktop, QuickBooks Online and Quicken.

Direct Connect is where customers do not need to log in directly to online banking to use this connectivity type. Once connected, updates will occur when the end user initiates a new download request from within the product. Direct Connect is the only two-way communication connectivity type. Products that support Direct Connect: QuickBooks Desktop and Quicken.

To successfully connect QuickBooks:

• 1st know What Version of Software you are using (QuickBooks Desktop, Quick Books Online).
• 2nd you must know What Type of Connection You Are Using: (Web Connect or Direct Connect)
• And finally, if you are using QuickBooks Desktop, you must know whether you are using a MAC or PC. Once you determine what type of software and connection you are using you can follow the instructions for the appropriate software and connection.

QuickBooks Online Express Web Connect

Download data prior to the switch:

1. Complete a final transaction download. If you no longer have access to your former onlinebanking connection you will not be able to perform this step.
2. Complete last transaction update before the change to get all of your transaction history up todate.
3. Accept all new transactions into the appropriate registers.

Disconnect Current Connection.

1. Select Banking from the left column.
2. Click the account you want to disconnect, then click the Pencil Icon on the corner of that accountbox.
3. Click Edit Account Info.
4. Check the box next to Disconnect this Account on Save.
5. Select Save and Close.
6. Repeat steps for any additional accounts that apply.

Reconnect Online Banking:

1. Reconnect online banking connection for accounts that apply.
   1. On the Banking page, click Add Account in the upper-right side of the screen.
   2. Type your financial institution’s name and choose “Androscoggin Bank”
   3. Enter your bank credentials and click Continue. Express Web Connect uses the same credentials you use for online banking.
   4. Provide additional information, if requested.
   5. Ensure you associate the accounts for your financial institution to the appropriate account already listed under Which accounts do you want to connect? Choose the matching accounts in the drop-down menu. Important: Do NOT select “+Add New” unless you intend to add a new account to QuickBooks Online. If you are presented with accounts you do not want to track in this QuickBooks Online Company, Uncheck the box next to the Account Name.
   6. After all accounts have been matched, click Connect and then click Finish.
2. Exclude Duplicate Transactions.
   1. Select Banking from the left column.
   2. In the For Review section, click the checkboxes for the transactions you want to exclude.
   3. Choose Batch Actions > Exclude Selected.

QuickBooks Online Web Connect

Download data prior to the switch:

1. Complete a final transaction download.
2. Complete last transaction update before the change to get all of your transaction history up to date.
3. Accept all new transactions into the appropriate registers.

Disconnect and Reconnect Accounts:

1. Disconnect online banking connection for accounts connected to financial institution that is requesting this change.
   1. Select Banking from the left column.
   2. Click on the account you would like to disconnect, then click the Pencil Icon on the corner of that account box.
   3. Click Edit Account Info.
   4. Check the box next to Disconnect this Account on Save.
   5. Click Save and Close.
   6. Repeat steps for any additional accounts that apply.
2. Reconnect online banking connection for accounts that apply.
   1. Download a Web Connect file (.qbo or .qfx) from your financial institution’s online banking site.
   2. In QuickBooks Online, choose Banking from the left column.
   3. Click File Upload in the upper-right side of the screen and use the upload dialog to locate the Web Connect file you downloaded in step a.
   4. Choose the appropriate account from the drop-down menu under QuickBooks Account and then click Next. Important: Do NOT choose “+Add New” in the drop-down menu unless you intend to add a new account to QuickBooks Online.
   5. When the import is finished, click Let’s go!
   6. Review the For Review tab on the Banking page to view what was downloaded.
   7. Click Next, and then click Done.
   8. Repeat this step for each account that you would like connected.

Note: This guide is only for Quickbooks Desktop Users. Please do not use this for Quickbooks Online, Quicken Or Mint. Please consult guides named ‘QuickBooks Online” or “Quicken” or “Mint” Instructions for support of those products.

Androscoggin Bank supports all options that Quickbooks/Quicken and Mint offer to their customers to connect to Androscoggin Bank. (This includes both Web Connect and Direct Connect.)

Web connect is used when customers download a .qbo (QuickBooks) or .qfx (Quicken) file and then import that file into QuickBooks or Quicken. This process does not require institution credentials to be entered in Quicken or QuickBooks since the file download occurs in their regular online banking login. Products that support Web Connect: QuickBooks Desktop, QuickBooks Online and Quicken

Direct Connect is where customers do not need to log in directly to online banking to use this connectivity type. Once connected, updates will occur when the end user initiates a new download request from within the product. Direct Connect is the only two-way communication connectivity type. Products that support Direct Connect: QuickBooks Desktop and Quicken.

To successfully connect QuickBooks Desktop:

• 1st you must know What Type of Connection You Are Using: (Web Connect or Direct Connect)
• And 2nd, you must know whether you are using a MAC or PC.

QuickBooks Windows Direct Connect

Download Data Prior to the Switch:

1. Backup QuickBooks Windows Data File & Update.
   1. Choose File > Back Up Company > Create Local Backup.
   2. Download the latest QuickBooks Update. Go to Help > Update QuickBooks Desktop.
2. Complete a final transaction download and match downloaded transactions.
   1. Complete one last transaction update before the change to get all of your transaction history up to date.
   2. Accept all new transactions into the appropriate registers. (required)

Disconnect and Reconnect:

1. Deactivate online banking connection for accounts connected to financial institution that is requesting this change.
   1. Choose Lists menu > Chart of Accounts.
   2. Right-click on the first account you would like to deactivate and choose Edit Account.
   3. Click the Bank Feeds Settings tab in the Edit Account window.
   4. Select Deactivate All Online Services and click Save & Close.
   5. Click OK for any alerts or messages that may appear with the deactivation.
   6. Repeat steps for any additional accounts that apply.
2. Reconnect online banking connection for accounts that apply.
   1. Choose Lists menu > Chart of Accounts.
   2. Right-click on an account you would like to activate and choose Edit Account.
   3. Select Set Up Bank Feeds on the bottom of the popup screen and select Yes in the dialog box that will appear.
   4. Type Androscogin Bank DC QB and choose “Androscoggin Bank DC QB” (Not Androscoggin Bank)
   5. Enter your bank credentials.
   6. Ensure you associate the accounts to the appropriate accounts already listed in QuickBooks. Link to your existing accounts in the drop-down options labeled Select Existing or Create New. Important: Do NOT select “Create New Account” unless you intend to add a new account to QuickBooks. If you are presented with accounts you do not want to track in this data file, choose Do Not Add to QuickBooks.
   7. After all accounts have been matched, click Next and then click Done.

QuickBooks Mac Direct Connect

Download Data Prior to the Switch:

1. Backup QuickBooks Mac Data File & Update the Application.
   1. Choose File > Backup.
   2. Download the latest QuickBooks Update. Choose QuickBooks > Check for QuickBooks Updates.
2. Complete a final transaction download.
   1. Complete last transaction update before the change to get all of your transaction history up to date.
   2. Accept all new transactions into the appropriate registers. (required)

Disconnect and Reconnect:

1. Deactivate online banking connection for accounts connected to financial institution that is requesting this change.
   1. Choose Lists > Chart of Accounts.
   2. Click the first account you would like to deactivate and choose Edit > Edit Account.
   3. Choose Online Settings in the Edit Account window.
   4. In the Online Account Information window, choose Not Enabled from the Download Transactions list and click Save.
   5. Click OK for any alerts or messages that may appear with the deactivation.
   6. Repeat steps for any additional accounts that apply.
2. Reconnect online banking connection for accounts that apply.
   1. Choose Banking > Online Banking Setup.
   2. Type Androscoggin Bank DC QB and choose “Androscoggin Bank DC QB” (Not Androscoggin Bank)
   3. Select Yes, my account has been activated for QuickBooks Online Services in the Online Banking Assistant window. Click Next.
   4. Enter your bank credentials
   5. For each account you wish to download into QuickBooks, click Select and Account to connect to your existing account’s registers.
   6. Click Next, and then click Done.
   7. Repeat this step for each account that you have connected to this institution.

QuickBooks Windows Web Connect

Download Data Prior To The Switch:

1. Backup QuickBooks Windows Data File & Update.
   1. Choose File > Back Up Company > Create Local Backup.
   2. Download the latest QuickBooks Update. Choose Help > Update QuickBooks Desktop.
2. Complete a final transaction download and match downloaded transactions.
   1. Complete one last transaction update before the change to get all of your transaction history up to date.
   2. Accept all new transactions into the appropriate registers. (required)

Disconnect and Reconnect:

1. Deactivate online banking connection for accounts connected to financial institution that is requesting this change.
   1. Choose Lists menu > Chart of Accounts.
   2. Right-click the first account you want to deactivate and choose Edit Account.
   3. Click the Bank Feeds Settings tab in the Edit Account window.
   4. Select Deactivate All Online Services and click Save & Close.
   5. Click OK for any alerts or messages that may appear with the deactivation.
   6. Repeat steps for any additional accounts that you need to deactivate.
2. Reconnect online banking connection for accounts that you deactivated.
   1. Log in to your Androscoggin Bank online banking site and download your transactions to a QuickBooks (.qbo) file. Note: Take note of your last successful upload. Duplicate transactions can occur if you have overlapping transaction dates in the new transaction download.
   2. In QuickBooks, choose File > Utilities > Import > Web Connect Files. Locate your saved Web Connect file and select to import.
   3. In the Select Bank Account dialog select Use an existing QuickBooks account. Important: Do NOT select “Create a new QuickBooks account” unless you intend to add a new account to QuickBooks.
   4. In the drop-down list, choose your QuickBooks account(s) and click Continue. Confirm by selecting OK.

QuickBooks Mac Web Connect

Download Data Prior To The Switch:

1. Backup your QuickBooks Mac data file & update the application.
   1. Choose File > Backup.
   2. Download the latest QuickBooks Update. Choose QuickBooks > Check for QuickBooks Updates.
2. Complete a final transaction download.
   1. Complete last transaction update before the change to get all of your transaction history up to date.
   2. Repeat this step for each account you need to update.
   3. Accept all new transactions into the appropriate registers. (required)

Disconnect and Reconnect:

1. Deactivate online banking connection for accounts connected to the financial institution that is requesting this change.
   1. Choose Lists > Chart of Accounts.
   2. Select the first account you would like to deactivate and choose Edit > Edit Account.
   3. Select Online Settings in the Edit Account window.
   4. In the Online Account Information window, choose Not Enabled from the Download Transactions list and click Save.
   5. Click OK for any dialog boxes that may appear with the deactivation.
   6. Repeat steps for any additional accounts that apply.
2. Reconnect online banking connection for accounts that apply.
   1. Log in to your financial institution’s online banking site and download your transactions into to a QuickBooks (.qbo) file. Important: Take note of your last successful upload. Duplicate transactions can occur if you have overlapping transaction dates in the new transaction download.
   2. In QuickBooks, choose File > Import > From Web Connect. Use the import dialog to import your saved Web Connect file.
   3. In the Account Association window, click Select an Account to choose the appropriate existing account register. Important: Do NOT select “NEW” under the action column unless you intend to add a new account to QuickBooks.
   4. Click Continue and OK for any dialog boxes that require action.

You can visit our website to enroll in Online Banking if you don’t already have access to online banking. Our internet banking service offers a secure access to your accounts when it is convenient for you. Once logged in, you can view your account balances, history, previous statements, transfer funds, make loan payments, and more. Be sure to use one of the following browsers: Chrome, Mozilla, Firefox, or Microsoft Edge.

Click here to complete the form with your contact information. Be sure to notate in the message that you wish to delete your online banking account and all user data associated with the Androscoggin Bank Mobile App.

Please note that deletion requests have no impact on your Androscoggin Bank Deposit and/or loan accounts.

Pay your bills from anywhere, at any time, with any device. Ease your mind by scheduling single or recurring payments to businesses or individuals, and never miss a payment again. Bill Pay keeps your payments flowing, without the envelope and stamp. Gain some time for yourself, and let us handle your business payments.

Yes, we offer External Account linking within Online Banking. Link your accounts at another financial institution by logging into online banking and clicking on Transfers from the Menu. From there, click on Link External Account and enter the required information. Two “micro” deposits will be generated and sent to your external account for validation purposes. Once validated, you will be able to make transfers to and from your external account right in one convenient spot.

Log into online banking, click on the account then go to transactions and click export transactions. Choose a cycle or enter a date range, and the desired export format (excel.csv, Microsoft Money.ofx, Quickbooks .qbo, Quicken .qfx). Click export.

Login to Online Banking and choose Services – Check order. You will visit the Harland Clark website where you shops hundreds of available check designs. To make ordering faster, you will need your account number and our routing number which is 211272520. Your 10 digit account number can be easily located on your checks.

We’re always on-and always looking out for you. With Alerts, you can be notified in real time, or near real time of activity such as:

Account Alerts – Receive daily balance updates or be alerted if your balance falls below a certain amount.

Online Transaction Alerts – Real Time Alerts to notify you of activity such as Funds Transfers, Address Changes, and more.

Security Alerts – Notifications on Invalid Password attempt, ID Lock Out and more to keep your online account safe and secure.

Alerts can be sent to you by email, text, voice call, or secure messaging within Online Banking.

1. Log into Online Banking

2. Click on the Settings Menu on the left-hand side of your screen.

3. Click on Alerts.

4. Click on New Alert

5. Use the drop-down menu to select the Alert you would like added to your account.

6. Complete the required fields and click Create Alert.

You can watch the video below for a tutorial on how to create an ACH payment.

Yes, we offer External Account linking within Online Banking. Link your accounts at another financial institution by logging into online banking and clicking on Transfers from the Menu. From there, click on Link External Account and enter the required information. Two “micro” deposits will be generated and sent to your external account for validation purposes. Once validated, you will be able to make transfers to and from your external account right in one convenient spot.

SavvyMoney is a comprehensive Credit Score program offered by your bank that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.

No. SavvyMoney is entirely free and no credit card information is required to register.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application. On the Mobile App, it is under the “More” menu and “Credit Scores”

No, Androscoggin Bank uses separate lending criteria and credit bureau reports for decisions on loans. SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate.

SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Androscoggin Bank.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Poor Below 500.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from Annual Credit Report.com – Home Page, and then pursuing action with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers instructions how to contact the bureaus and correct errors.

SavvyMoney pulls the credit score based on the information of the primary account holder. If a Joint Account would like to benefit from this service, they should sign-up for a savings account where they are the primary account holder.

CardSwap is a convenient and easy tool to update the payment method on many of your subscription services like Netflix, Amazon, Hulu, and more.

To begin swapping your card on your subscription services:

1. Login to Online Banking

2. Select Cards from the main menu

3. Select CardSwap from the sub-menu

4. Select from dozens of subscription services

5. Assign the debit card you wish to use

CardSwap will replace the card on file with your selected online merchant to your debit or credit card.

In order to update the card on file at a selected subscription service, CardSwap uses the credentials provided to access and update your payment preferences at the online merchant.

Data is encrypted utilizing AES 256 encryption and all web services are HTTPS/SSL. Credentials are encrypted using AWS key managements service, using hardened systems where sensitive data is never stored unencrypted.

CardSwap supports debit cards. To avoid an error adding the card, ensure the card being added is Androscoggin Bank card and that the expiration and CVV information for the card was entered correctly. Prepaid cards are not eligible for this service.

If you wish to remove your card from a particular merchant you previously swapped, and you are not switching to a different Androscoggin card, visit your online account for that merchant and remove the Androscoggin card.

CardSwap notifies you to allow 24 hours for the payment information to be updated with the vendor. In many instances it only takes a few minutes to see the changes and many vendors will notify you by email that your information has been updated.

There is a “Forgot Username/Password” link on the left side of the area where you enter your credentials. You’ll be redirected to that company’s site to get help resetting or remembering your password.

Yes. If your subscription has lapsed, you must first renew with the company, and then CardSwap will allow you to update your payment information to your debit card.

No. When you receive your new card, simply go to CardSwap, update your card information and all of your linked merchants will update at once.

If you have a billing account set-up through a third party, you must first update the third-party billing account. For example, if you pay Netflix through iTunes, once you update your billing card with iTunes, your Netflix account will reflect the swapped billing card.

Yes, you will need to update the username and password if you have changed that login. Otherwise it would not have be able to match up the card to the appropriate merchant.

We have tools to manage your money and improve your financial well-being. With these new financial tools, you can manage your:

• Current Debts
• Net Worth
• Cash Flow
• Trends
• Budget
• Spending
• Other Bank Accounts by Linking Them

Click on Financial Tools from the homepage to learn more.

Linking accounts held at external financial institutions (FIs) allows you to manage your finances by seeing balances and transactions all in one place, on any device. Link your credit cards, loans, checking, and savings accounts from other FIs one time. Our service updates data regularly so you always see accurate balances and recent transactions.

To link an account

1.On the Home page, click or tap the Link Account button in the widget bar. Alternatively, click or tap the link account icon () above the first account group or the Link Account tile below the account groups.

2.When a list of popular FIs appears, select the other bank by either:

• • Clicking or tapping the FI name or logo, or
• • Typing the name or URL of the FI in the Search box. As you type, matching FIs appear. Click an FI name to select it.

3.Provide your online banking credentials for the external FI and click Continue. If the FI requires multi-factor authentication (MFA), you will be prompted to supply more information to complete the login. Tip: The time needed to aggregate accounts depends on many factors, including the external FI, number of accounts, and server speed. Click Link More Accounts to aggregate more accounts from another FI. Click Close to return to the Home page where the aggregation status appears, along with any prompts for details such as account credentials.

4.When aggregation is complete, external accounts appear on the Link Account page, with the Hidden/Visible toggle set to Visible. Click or tap the Hidden/Visible toggle to hide an account on the Home page and in widgets.

5.(Optional) Repeat steps 2 through 4 to link more accounts held at other financial institutions.

6.Click Continue.

Note: Do not confuse linked accounts with external transfer accounts. In online banking, you can only display data about linked accounts. For external transfer accounts managed on the Add External Accounts page, you can transfer funds between accounts at your primary financial institution and external accounts after two micro-deposits are made to ensure your ownership of the account, as well as our financial institution’s ability to move money to or from it. After you link accounts, they appear in a Linked Accounts group on the Home page, providing a full financial picture. You can reorder and group accounts, as necessary.

Transaction details at other banks.

Account information for linked accounts is view-only. Although you can see balances and transactions and modify categories and descriptions, you cannot create new transactions for linked accounts or transfer funds between linked accounts. Instead, use the Move Money > Add External Accounts menu option to set up transfers to and from an external account.

Note: The External Account menu option may be in a different location within the navigation menu, depending on our financial institution’s configuration.

ClickSWITCH is an automated account switching solution that allows you to securely set up transfers over your recurring direct deposits and automatic payments from your previous financial institution account over to Androscoggin Bank. This removes the hassle of contacting all your billing contacts and depositors to inform them of your new account. There’s two ways to set up a ClickSWITCH account: online or in one of our branches. Once you’re enrolled, you just input your payment and direct deposit information to our secure ClickSWITCH system, submit the switch and we’ll do the rest. You can monitor the progress and switch status in the “Status” column on your Dashboard.

Direct Deposit, Recurring Utility Payments, Gym Memberships, and Car loan payments, student loans, mortgage payments and social security direct deposits can all be switch using ClickSWITCH.

Yes. ClickSWITCH uses the latest in online encryption protection to gather and store your switch information.

An automatic payment is an ongoing payment that is triggered outside of your account, such as a monthly insurance bill, utility payment or automobile loan payment.

A direct deposit is any payment that you regularly receive from an organization, such as your job, directly into your account. These could include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.