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Coming This Fall: An All-New Mobile & Online Banking Experience

We are always working to improve the services we provide our clients. We’re excited to announce that a new and improved Mobile and Online Banking experience is on the way!  The new platform will feature a wide range of new and upgraded tools and services designed to make it easier for you to manage your money—anytime, anywhere.

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Launching October 18th:

Our All-New Digital Banking Experience

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The excitement is heating up for our new and improved mobile & online banking experience. And now’s the time to prepare. 

 

Important: Verify Your Contact Information

To ensure a smooth transition to our new platform and to authenticate your device or receive SMS text messages and alerts, you’ll need to confirm we have the correct email and mobile phone number on file.

 

How to Verify Your Email and Phone Number

Log in to our current Online Banking and click on “Settings.” You can confirm or change both your email and phone number in the “Personal Settings” section.

Questions? Give us a call at 1 (800) 966-9172 or stop by any branch location.

User Guides

Mobile and Online Banking FAQs

General Questions About the Online Banking Upgrade

What new features can I expect?

Our new digital banking platform brings you a full range of mobile and online banking features, including:

Manage All Your Accounts in One Place
Connect all your accounts and credit cards, even ones from other banks and credit unions, and get a full view of your finances at any time.

Personalize Your Experience
New customizable options let you organize your dashboard and nickname and color-code your accounts to help you stay on top of your finances and get your banking done faster.

Stronger Security, More Peace of Mind
More layers of security, such as two-factor authentication, Verafin advanced fraud detection and state-of-the-art encryption, keep your money and personal information safe.

Customize Your Alerts
Create your own SMS text message or email alerts to get custom updates on low balances, account activity and payments—whatever you want to keep an eye on.

Take Control of Your Cards
Misplaced your debit or credit cards? Protect yourself from fraud by locking and unlocking them in one click.

Snapshot Instant Access
When you’re on the go, Snapshot lets you view your account summary through the mobile app without logging in. Available at launch for iOS and coming soon for Android!

Smarter Budgeting Tools
Track spending, set savings goals and create budgets to simplify your finances and set money aside for a future expense.

Expanded Money Transfer Options
Send funds to friends or family or transfer money instantly to your accounts at other financial institutions.

Why are you upgrading online banking? 

Androscoggin bank is committed to providing the most up to date, easy to use, secure technology for our customers. The new upgraded experience provides clients with more secure, user-friendly options.  It also allows for new ways of making payments and transferring money.  It also includes enhanced features like credit score and report as well as additional alerts and other new functionality. 

When does the upgrade happen?

Right now our target date for go live is October 18th for small business and retail users. Treasury customers will be invited to transition to the new system starting on August 22nd through October 18th. 2022. 

Will there be an interruption in service: 

There will be a brief interruption in service the weekend before our “go live” date in October as we put the final touches on the system and migrate your unique information. There will also be a few days prior to go live where bill pay changes may not be available.  

Interruption in Service Details:

Retail Online Banking: At 5PM (EST) on 10/14/22 Retail clients will still be able to login and see transactions in their retail online banking login but they will be in inquiry only mode until the morning of 10/18/22.  This allows us to transfer all of your information to our new upgraded system and helps to avoid duplicate transactions and security.  We apologize for this inconvenience.

Business Online Banking: At 5PM (EST) on 10/14/22 Business online banking access will no longer be available until the morning of 10/18/22.  This allows us to transfer all of your information to our new upgraded system and helps to avoid duplicate transactions and security.  We apologize for this inconvenience.

Billpay Clients: Any recurring or prescheduled payments will continue to go out with no interruption until 10/14/22, but customers will no longer have access to Bill Pay after 10/10/22. 

Positive Pay Clients: Positive pay will be removed from the existing online banking systems the week of September 19th. For clients using positive pay we recommend getting used to the new environment during Limited Production testing starting August 22nd.  You will still need to make decisions in the existing online banking system until September 19th.  One the change is made you will need to make decisions in the new online banking system after the week of September 19th.  Your Treasury Services team will help support you in this transition.

Will I have to set everything up again? 

Yes and no. Some items will be migrated to the new system and some will not. See below for details. 

 

Users and account access:  

All users will transfer to the new system. This includes user IDs and accounts they have access to. You will not have to set up or enroll a second time. For business clients we recommend checking to be sure your users have the right privileges to accounts. This is a great opportunity to review to make sure their access is still appropriate for your business needs. 

 

Bill pay: 

All of your bill pay transactions and payees will transfer over to the new system. You will not have to set these all up again. This includes recurring transfers that you have already created in bill pay. 

 

Internal Transfers and Loan Payments: 

Internal Transfers and Loan Payments that you previously scheduled in online banking WILL need to be setup again. Our new upgraded system allows for more options when paying loans and more options when scheduling recurring transfers. You will need to set these up again in order to take advantage of this new functionality. Loan payments and internal transfers previously setup prior to the upgrade will not occur.

 

Alerts:  

You will need to setup alerts again in the new system. The system has better alert capability and more options.  Alerts formerly setup prior to October 18th will not be sent after the upgrade. 

 

ACH Payments and Wire Templates:  

Your Payroll and Vendor ACH and Wire Templates (instructions) will be migrated to the new system. You will not need to set the payment instructions up again. You will need to review and approve these prior to sending them out again.  Recurring payments must also be rescheduled and sent. They will not be sent automatically.

  

Mint/Quicken/QuickBooks Connections: 

You will need to reconnect your Quicken and QuickBooks to our new online banking system.

Mint Conversion Information:

As Androscoggin Bank completes its system conversion, aggregation services may be interrupted for up to 5 business days.  Please connect accounts under the new listing Androscoggin Bank - New after your online banking change date.

NOTE: You will be able to access online banking information by directly logging into your financial institution website during interrupted time.

Mint.com data is stored on Intuit cloud servers.  Data is updated with every change and cannot restore data to a previous point in time.  For a successful account update, do not login into Mint.com for Androscoggin Bank-New until after 10/18/22.

During this time, the Mint.com server will automatically make the system conversion for your activated accounts. If you login into Mint.com during this time, you may see duplicate accounts or an error displayed. Please do not attempt to change the status or make any changes in Mint.com during this time.

After 5 business days, the accounts should reconcile showing your transaction history available.

In the event that your accounts do not display current transactions after 5 business days, you may log back into Mint.com and click refresh to update the account. After the download completes, click the Transactions tab to view up to 90 days of transaction history.

QuickBooks Online Users Conversion Instructions

As Androscoggin Bank completes its system conversion, QuickBooks Online settings will need to be updated to ensure transition of your data. Please reference the dates next to each task as this information is time sensitive. To complete these instructions, use your login credentials for online banking.It is important that you perform the following instructions exactly as described and in the order presented. This conversion should take 15–30 minutes.

QuickBooks Online data is stored on Intuit servers in the cloud. Since we update your records with every change, we cannot restore your file to a previous point in time. QuickBooks Online automatically updates your selected version so you are always on the latest release.

IMPORTANT: QuickBooks Online connectivity services may be interrupted up to 5 business days after the conversion is complete.

Task 1: Optional task - Complete a final download before your change date

NOTE: Please skip to Page 3 if you manually import transactions.

1. Sign in to QuickBooks Online

2. Click Banking.

3. In the top-right area, click Update.

4. After your download finishes, click the For Review tab to confirm items downloaded.

Task 2: Match Downloaded Transactions

1. Accept all new transactions on the Banking page. Simply check off all the New/Matched transactions and click Batch Action to "Accept Selected".

2. Assistance on matching transactions is available in the Help menu > Search for Matching Transactions and follow the instructions in the appropriate article.

Task 3: Disconnect Accounts in QuickBooks Online on or after your change date

1. Select Banking on the left column.

2. Click on the account you would like to disconnect, then click the Pencil Icon.

3. Click on Edit Account Info.

4. Check the box next to Disconnect this account on save.

5. Click Save and Close.

6. Repeat steps 2-6 to deactivate additional accounts.

Task 4: Reconnect Accounts at Androscoggin Bank –New on or after your change date (Express Web

Connect will not be available until after 4/27/2020)

1. In the upper-right area, click Add Account

2. Enter Androscoggin Bank –New

3. Click Androscoggin Bank –New in the search results below.

4. Type your login credentials. Click Continue.

5. Provide any additional information requested, to proceed.

6. Ensure you associate the account for Androscoggin Bank –New to the appropriate account already listed under which accounts do you want to connect? Select the matching accounts in the drop-down menu. IMPORTANT: Do NOT select + add new. If you are presented with accounts you do not want to track in this data file, uncheck the box next to the Account name.

7. After all accounts have been matched, click Connect.

8. When the download is finished, you will return to the Banking page.

Task 5: Excluding Duplicate Transactions

1. Choose Banking.

2. In the For Review section, click the checkboxes for the transactions you want to exclude.

3. Click Batch Actions > Exclude Selected.

NOTE: If you accidentally exclude a transaction, you can include it again.

Task 6: Undo Excluded Transactions

1. Choose Banking.

2. Click the Excluded tab.

3. Click the checkboxes for the transactions you want to include.

4. Click Batch Actions > Undo.

5. Transactions will appear again in the New Transactions tab for you to work with.

Additional Instructions: Need to Manually Import Transactions?

1. Log in to https://www.androscogginbank.com.

2. Download one of the following Web Connect file types.

a. .qbo (QuickBooks)

b. .qfx (Quicken)

3. In QuickBooks Online, choose Banking.

4. In the upper-right corner, click File Upload.

5. Click Browse and select the Web Connect file from your computer. Click Next.

6. Select the appropriate account from the drop-down menu. Click Next.

7. When the import is completed, click Let’s go!

8. After your download finishes, click the For Review tab to see what was downloaded.

 

QuickBooks for Mac Conversion Instructions

As Androscoggin Bank completes its system conversion, you will need to modify your QuickBooks settings to ensure the smooth transition of your data. Please reference the dates next to each task as this information is time sensitive.

To complete these instructions, you will need your login credentials for online banking and/or Direct Connect.

NOTE: Direct Connect may require registration. Please contact your financial institution to verify your Direct Connect login information.

You should perform the following instructions exactly as described and, in the order, presented. If you do not, your online banking connectivity may stop functioning properly. This conversion should take 15–30 minutes.

Task 1: Conversion Preparation

1. Backup your data file. Go to File, then select Back Up and choose a location to save your QuickBooks file.

2. Download the latest QuickBooks Update. Go to QuickBooks (left of File on top bar) and select Check for QuickBooks Updates.

Task 2: Optional task – Complete a final download before your change date

1. Log in to https://www.androscogginbank.com and download your QuickBooks Web Connect File.

2. Click File > Import > From Web Connect.

3. Link your bank account with the existing QuickBooks account and click Continue.

4. Repeat steps for each account.

Task 3: Match Downloaded Transactions

If new transactions were received from your connection, accept all new transactions into the appropriate registers.

If you need assistance matching transactions, choose the Help menu and use the Search bar available at the top. Search for

Updating Your Register, select the article with that name and follow the instructions.

NOTE: All transactions must be matched or added to the register prior to disconnecting your accounts.

Task 4: Disconnect Accounts in QuickBooks on or after your change date

1. Choose Lists menu > Chart of Accounts.

2. Select the account you want to deactivate.

3. Choose Edit menu > Edit Account.

4. In the Edit Account window, click Online Settings.

5. In the Online Account Information window, choose Not Enabled from the Download Transaction list and click Save.

6. Click OK for any dialog boxes that may appear.

7. Repeat steps for each account to be disconnected.

Task 5: Reconnect Accounts to Androscoggin Bank – New on or after your change date

1. Choose Banking menu > Online Banking Setup.

2. Enter, then select Androscoggin Bank – New from the Financial Institution list. Click Next.

3. Follow the instructions in the wizard. If prompted for connectivity type, select Direct Connect.

4. The Online Banking Assistant window displays during setup. Select “Yes, my account has been activated for QuickBooks online services,” then click Next.

5. Enter credentials and click Sign In.

6. For each account you wish to download into QuickBooks, click Select an Account to choose the appropriate existing account register.

IMPORTANT: Do NOT select “New” under the action column.

7. Click Next, then Done.

8. Add or match all downloaded transactions in the Downloaded Transactions window.

QuickBooks for Windows Conversion Instructions

As Androscoggin Bank completes its system conversion, you will need to modify your QuickBooks settings to ensure the smooth transition of your data. Please reference the dates next to each task as this information is time sensitive.

To complete these instructions, you will need your login credentials for online banking and/or Direct Connect.

You should perform the following instructions exactly as described and in the order presented. If you do not, your online banking connectivity may stop functioning properly. This conversion should take 15–30 minutes.

Task 1: Conversion Preparation

1. Backup your data file. Go to File, then select Back Up Company > Create Local Backup and choose a location to save your QuickBooks file.

2. Download the latest QuickBooks Update. Go to Help > Update QuickBooks Desktop

NOTE: If multiple computers do not use the same QuickBooks data file, skip step 3. QuickBooks activities such as Online Banking cannot be performed in multi-user mode because of the way the activities interact with a company data file.

3. Switch to Single-user mode if you are currently in Multi-user mode. Go to File> Switch to Single-user mode

NOTE: If you are not using Classic Mode (Register Mode), enable it for the conversion. You can change it back after the conversion is complete.

4. Enable Classic Mode (Register Mode) if you are currently in Express Mode. Go to Edit > Preferences > Checking > Company Preferences > select Classic Mode

Task 2: Optional task - Complete a final download before your change date

1. Log in to https://www.androscogginbank.com and download your QuickBooks Web Connect file.

2. Click File > Utilities > Import > Web Connect Files.

3. Link your bank account with the existing QuickBooks account and click Continue.

4. Repeat steps for each account.

Task 3: Match Downloaded Transactions

If new transactions were received from your connection, accept all new transactions into the appropriate registers.

If you need assistance matching transactions, choose Help menu > QuickBooks Help. Search for Matching Transactions and follow the instructions.

NOTE: All transactions must be matched or added to the register prior to disconnecting your accounts.

Task 4: Disconnect Accounts in QuickBooks on or after your change date

1. Choose the Lists menu > Chart of Accounts.

2. Select the account you want to deactivate.

3. Click Edit menu > Edit Account.

4. Click on the Bank Feed Settings tab in the Edit Account window.

5. Select Deactivate All Online Services and click Save & Close.

6. Click OK for any dialog boxes that may appear.

7. Repeat steps for each account to be disconnected.

Task 5: Reconnect Accounts to Androscoggin Bank –New on or after your change date

1. Choose Banking menu > Bank Feeds > Set Up Bank Feed for an Account.

2. Enter, then select Androscoggin Bank –New. Click Next.

3. If prompted for connectivity type, select Direct Connect.

4. Link your bank account with the existing QuickBooks account and click Connect.

 

IMPORTANT: Verify that all transactions downloaded successfully into your account registers.

Task 6: Re-enable Express Mode (if necessary)

NOTE: If you prefer Classic Mode (Register Mode), you are finished with your conversion. If you use  Express Mode for online banking, you may now re-enable the mode.

To re-enable Express Mode register mode (Optional) Go to Edit > Preferences > Checking > Company Preferences > select Express Mode

 

Treasury Client-Specific Questions

I am a Treasury Client. Why do I need to convert sooner than everyone else? 

Treasury clients use services like ACH, Wire, advanced reporting and advanced user management tools.  Because your use of online banking is more complex than other users we want to make sure you have the level of support you need in order to access the system. Your input is valuable to us. You will be able to test the environment before others and your feedback will help us make it even better. In addition, we have thousands of other retail and small business users that will be going live on the same day in October, having you test the system before they do means we will be able to provide you with dedicated support.

Tokens: Are there any changes to the way that I access Online Banking? 

Your user ID will remain the same and you will now access the system with a soft token that will replace your existing hard token device. 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. 

Why do you require Software Tokens instead of Hard Tokens to login to online banking now? 

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 cheaper than hardware tokens. Client 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.

If I don’t have or don’t use a personal smart phone what other alternative do I have instead of downloading the soft token to my phone. 

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. 

I am not allowed to have my employers/company information on my personal phone. I cannot download the Soft Token app on my phone because it would be a breach of company policy. 

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. 

I work for a municipal entity and we require hard tokens in our policy to access bank accounts with our banks. 

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.

Is ACH Changing? 

Our system will have a more intuitive interface for ACH.  It will be easier to send ACH transactions. Your cutoff times will remain the same and the type of transactions you can send will remain the same. You will have more controls for user limits, dual control and other security features you organization may want to use. One difference is that the funds will be debited from you on the day of the initiated transaction. Right now your funds are held but not withdrawn from your account.  In the future they will be withdrawn and held in a settlement account. Because of this you will see a new debit on our account activity to represent this settlement. Your current funds availability will not change.

Remote Deposit: Is Merchant Capture/ Depositing with a Scanner Changing? 

Only for the better! You will still have all of the same aspects of the remote scanner and deposit service you have had before. There will be no need to swap or reinstall a scanner and you will use the remote deposit system the same way you have in the past. We are introducing one major improvement. You can now access your merchant capture for scanned deposits and mobile deposits right through your new upgraded online banking environment. You can continue to use the separate login in to deposit checks, but you do not have to.  One login to remember is designed to make our clients lives easier, giving them one place to manage all of their banking needs. 

Limited Production Testing (LPT)

What is Limited Production Testing? 

Limited Production Testing is a two month period of time before our go live for all clients that we will invite specific users to test the new Q2 environment. This is also the period that our Treasury clients will be invited to transition to the new system, so that their unique needs can be better address before all other clients use the system so that we can provide support to them versus waiting when we are handling all questions form all other users. 

Who will be in invited to test during Limited Production Testing (LPT)? 

Friends and family will be invited to use the new system as well as employees with Androscoggin bank accounts. Treasury clients will begin to transition during this phase, as well. Digital banking will coordinate invitations internally to invite users to use the system. Retail and Treasury as helping the bank to select the external users that will use the system during this time. 

When is Limited Production Testing (LPT)?

August 22nd through October 18th

Will all functionality be available for Limited Production Testing (LPT)?

No, some functionality will not be available as we are continuing to configure the environment. Some functions cannot begin until after we stop using them with Fiserv so they will only be available at go live in October. 

 

Bill pay will have about a week period where it will be unavailable for keying or changing bill payments after October 10th – October 18th.  These dates are fluid and subject to change.  We will continue to update on these. 

 

Positive Pay will not be available in the new system until sometime during the week of September 19th. Once it becomes available in the new Q2 system it will no longer be available in Fiserv. This is due to a server moving from Fiserv to Q2. Treasury clients will want to transition prior to this date and until the 19th or 29th will have to make decisions in the current online banking system. If users do not transition before this date we will need to have positive pay turned off until you do. This date is subject to change if there are any barriers that our encountered in the server move. 

Online Banking Enrollment for Brand New Users

How do I enroll in online banking if I am not a current user? 

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.

Online Banking Features

Bill Pay: Can I pay my bills using bill pay?

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. 

External Transfers: Can I transfer money online from my Androscoggin bank account to my account at another financial institution?

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.

How do I download my deposit account history in online banking?

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. 

Check Orders: How do I order checks online?

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. 

Alerts: What is an alert and how do I set one up?

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.

History Alerts- Receive Alerts when certain transactions post to your account.

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.

 

New Products and Services Available In the New System

External account transfers
Can I transfer money online from my Androscoggin bank account to my account at another financial institution?

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.

Savvy Money Report and Credit Score
What is SavvyMoney Credit Score?

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.

What is SavvyMoney Credit Report?

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.

Is there a fee for SavvyMoney?

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

How often is my credit score updated?

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.

Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially lower my credit score?

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.

Does SavvyMoney offer credit report monitoring as well?

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

Can Members use SavvyMoney on mobile devices?

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”

Will Androscoggin Bank use SavvyMoney Credit Score to make loan decisions?

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.

If the Androscoggin doesn’t use SavvyMoney Credit Score to make loan decisions, why do we offer it?

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.

How does SavvyMoney Credit Score keep my financial information secure?

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.

How does the SavvyMoney Credit Score differ from other credit scoring offerings?

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.

Why do credit scores differ?

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.

What if the information provided by SavvyMoney Credit Score appears to be wrong or inaccurate?

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.

Can a Joint Account holder also use SavvyMoney Credit Score?

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
What is CardSwap?

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.

 

Why does CardSwap need my login information for the subscription service?

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.

How secure are my usernames and passwords in CardSwap?

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.

Why am I getting an error message when I try to add a new card to CardSwap?

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.

How do I remove my card from a merchant after I used CardSwap to update?

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.

If I delete a merchant from my Card Swap list, is the billing card removed as the payment type?

No—to remove your billing card as the payment type you must log-in to the merchant’s site.

How long does it take a card to be swapped with a vendor?

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.

What if I can't remember my login credentials for a particular company?

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.

Do I have to have an active subscription to one of the listed companies in order for the swap to work?

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.

When I get a card with a new expiration date, will it automatically update Card Swap?

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.

Can I use CardSwap with my account number and routing number?

No. You have to have an Androscoggin bank debit card in order to use CardSwap. There is no ACH option.

What does this message mean: "Your subscription is paid through a thirdparty billing service; therefore, we are unable to obtain billing details for this account"?

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.

What if the company I want to update my card with is not listed in CardSwap?

Additional companies that participate with CardSwap will be considered during periodic assessments.

If I change the login information (username or password) for the vendor after they have been added to card swap, will I have to relink the vendor?

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.

New Financial Tools for Financial Wellness!

We have new 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 at Other Banks

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
How does ClickSWITCH work?

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.

How can I enroll in ClickSWITCH? 

After opening a new account with us you can log into online banking and choose New Accounts>ClickSWITCH 

What can I switch with ClickSWITCH? 

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. 

Is ClickSWITCH Secure?

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

What is an Automatic Payment?

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.

What is a Direct Deposit? 

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.

Got a minute? Watch a video to learn more.