About This Guide
As part of our ongoing effort to continually make your digital banking experience seamless, we at Mascoma Bank have been working on a major upgrade to our platform. We have focused on creating an experience that is convenient, easy, and provides you with the flexibility to take care of your finances anytime from anywhere With this upgrade, in addition to a new design and user-friendly experience, we have added some new features such as Card Controls, Financial Wellness, Goals, and Locations.
This guide is designed to assist in answering questions and help you navigate through some common transactions.
Getting Started
Browser and Device Support
You can access your accounts via desktop, tablet, or mobile devices anytime, anywhere. For an optimal experience, make sure your devices are using the most updated versions of software available
Browser Support: Make sure your browser is within the latest 2 versions (Safari, Chrome, Edge, Firefox). Please note, Internet Explorer 11 does not support digital banking and standards that are implemented in newer browsers.
Device Support:
Windows: Versions still supported by Microsoft and support a browser listed above
OS X: Versions still supported by Apple and support a browser listed above
Android: Version 9.0+
iOS: Last 2 major releases
Logging In
Please enter your current username and password. Then click “Log in.”
Create a new password.
Accept the disclosure by clicking “I agree ”
Choose “Reset my password.”
Verify your identity by completing the fields below
Choose your preferred method for verification and click “Continue.”
Enter the Verification Code and click “Verify ”
Create a new password. You will then be brought to the dashboard.
Dashboard Overview
Once you have successfully logged in, the dashboard will provide immediate access to the features you will likely use most frequently, requiring fewer clicks to perform financial tasks online. Here is a high-level overview of the summary dashboard from a desktop view.
1. Credit Score Tools shows the primary account holder's credit score.
2 Accounts are grouped by Account Type Class (e g , Checking, Savings, Loans)
3 Linked External Accounts from other Financial Institutions
4. Activity Modules provides a quick glance of recent and future activities.
Please note: If you want to change the order in which your accounts or loans appear on your (home) screen, you can do that through our computer-based digital banking, but currently it is not possible to reorder accounts on the app
Managing Your Profile
Settings allows you to view, update, and manage the settings that are applicable to your account and overall digital banking experience. You can navigate to Settings by clicking on the Profile icon -> Settings or by clicking on Tools -> Settings.
Profile: Enter profile information, such as nickname, time zone, profile picture, and view your recent login activity
Security: View and edit security details, such as username, password, and two-factor authentication, and maintain your authenticated devices.
Themes: Personalize the look of your digital banking experience.
Widgets: Choose which widgets are displayed and the order they appear on your home dashboard
Contact: Make modifications to contact info, including address, phone numbers, and email addresses.
Accounts: Configure account color and nickname, display order, or hide accounts from display. You can also request access, confirm, or delete external (ACH) accounts.
Applications: View and revoke access to an authorized device
Contacts Tab
Accounts Tab
Applications Tab
Categories Overview
We’ve organized information within five navigation menu categories located at the top of your dashboard to help you quickly and seamlessly navigate to the features and tools you’ll use the most
This guide will show the default layout for the dashboard navigation. However, Mascoma may make changes in the future.
Category
Accounts
Transfer & Pay
Card Management
Financial Wellness
Tools
What's inside?
Accounts: Gain a comprehensive view of your account details and transaction history
Statements: View documentation related to your accounts (statements, tax documents, etc )
ClickSwitch: We’ve partnered with ClickSwitch to make it easy for you to switch your direct deposits from your previous financial institution to your new Mascoma Bank account.
Transfers: Perform an immediate transfer of funds, pay loans, schedule future or recurring transfers, link internal or external accounts, view transfer activity.
Bill Pay: Make a payment, manage the payee’s information and details, add payees, and view the payment history or scheduled activity and manage eBills.
Manage My Cards: Block your card to prevent it from being used for new purchases without closing your account. You can unblock your card at any time.
Card Updater: Instantly update your card everywhere you pay online
Credit Score Tools: View your credit score.
Savings Goals: Create, manage, and track progress on your savings goals. Create and manage income and expense thresholds
Spending: View spending habits in different categories and track recurring expenses
Check Services: Stop payment on a check, reorder checks, and set up a check withdrawal
Customer Service: Here you can update your address or submit a travel notice for your debit card(s).
Message Center: Send messages and respond to inquiries using the secure message center.
Settings: Update and manage settings for your profile, security, and notifications.
Alerts: Update and manage alerts.
Locations: Locate one of our branches or ATM locations
Accounts
To navigate to your accounts, click on the Accounts category in the navigation menu and select "Accounts" from the list.
The Accounts tab will list details related to all your Mascoma Bank accounts along with transaction level data.
The Tax Information tab will list your tax data.
Statements
To navigate to your eStatements, click on the Accounts category in the navigation menu and select “Statements” from the list.
The overview tab lets you subscribe to eStatements if you have not already by clicking on "Subscribe" button. The screen below appears upon clicking the "Subscribe" button. You will have to review the disclosure, confirm if you can open PDF documents, and check the box "I Agree." The statements tab will have all of your eStatements.
ClickSwitch
Click on the Accounts category in the navigation menu and click “ClickSwitch ” We’ve partnered with ClickSwitch to make it easy for you to switch your direct deposits from your previous financial institution to your new Mascoma Bank account. Click “Open.”
This will launch another web page. You can choose to switch direct deposits or switch recurring payments
Switching Your Direct Deposit
You have the option of switching by manually entering details or by using Switch Assist
Switch Direct Deposit Manually
Enter who pays you and click “Continue ”
Select which account you’d like the deposit to go to and click “Continue.” Please note, required information may vary depending on the type of direct deposit you are adding.
Next, enter further details regarding this direct deposit.
Click “Continue.”
Confirm the details and click “Submit ”
Your direct deposit is on its way! It may take a few cycles to reflect on your account
Switch Direct Deposits Using Switch Assist/Plaid
Mascoma Bank uses Plaid to connect to your other financial accounts Click “Continue ”
Enter your credentials and click “Submit.”
Follow the prompts to complete the process.
Select your institution
Switch Recurring Payments Manually
Click on “Enter recurring payments details ”
Enter who you’d like to pay and click “Continue.”
Select the account you’d like to take these payments from and click continue.
The following screens may differ depending on who you are paying.
Some companies may require you to log in to your online account Click on the hyperlink to do so.
Click “Ok.” This will bring you to the company’s website and you will log in.
Others may ask you to manually enter details regarding the account Confirm and click “Continue ”
Confirm the details.
Click “Submit.” The switch has been made. You can expect to see the changes within 1 to 2 billing cycles.
Transfer & Pay
Make a Transfer
Navigate to "Transfer & Pay" and click on "Transfers."
Select the source account from the "From Account" dropdown menu.
Select the destination account from the "To Account" dropdown menu.
Select the Amount you want to transfer.
Choose the date (or start date) you want the transfer to take place.
Select the frequency with which the transfer will repeat.
Review the transfer and submit
Scheduled
View all the transfers that are scheduled.
You can View Transfer Details, Edit Transfer, and Cancel Transfer by clicking on the ellipses ( ) next to Status
Activity
View all the successful or failed transfers with details as seen below
More Actions
To add an account, click on the "More Actions" tab and select "Add Account "
More Actions
Add an External Transfer Account Manually
Select "Add an Account Manually" from the dropdown menu. The Add Account window is displayed.
Enter an Account Type.
Enter a Routing Number
Enter an Account Number.
Confirm the Account Number.
Enter a Nickname
Click the “Continue” button to add the account or click the “Cancel” button to close the window.
This step needs verification. A code is sent via your chosen method - email, text, or call Enter the code and click "Verify "
The system will send two trial deposits to the account. This process may take up to three business days to complete Before the account can be added to your profile, you must confirm the value of the first and second trial deposits.
To view the pending external account and confirm the trial deposit, go to your Dashboard and click on the "Confirm" notification that appears, as seen in the image here.
This will take you to the Accounts tab in Settings Select the account and click "Confirm "
Enter the two trial deposit values and click on "Confirm" to successfully add the external account for transfers.
Add an External Account Instantly
Select “Add an Account Instantly.”
Select the financial institution you would like to add
Enter your credentials for the financial institution you are adding and click “Submit.” The criteria will vary depending on the financial institution.
Select how you’d like to receive the code for verification (text, email, or call).
Enter the code and click “Submit ”
Select the accounts you’d like to use for transfers by sliding the toggle and click “Submit.”
Click “Continue” to verify
Send Money to Another Mascoma Bank Customer
Select "Send money to another Mascoma Bank customer" from the dropdown menu
The Recipient information window is displayed.
Verification is needed Select from Text, Email, or Call to receive the code
Enter the necessary details and click "Save."
Confirm your identity using your chosen method
Bill Pay
To access Bill Pay, navigate to Transfer and Pay menu option and select "Bill Pay."
The Activity tab lists all the scheduled and historical bill pays
Pay Bills
Select the Pay Bills tab to add a business payee and pay a business.
Add a Business Payee for Bill Pay
Click on "+" next to the search icon.
Enter the name of the biller you would like to add or add one manually by clicking the "Add" button.
You can either log in to the chosen business's online platform by entering your credentials or click "Add Biller Manually" and click “Next ”
To add a biller manually, enter all the biller information such as name, account number, zip code, nickname, and memo, and click "Next". The next screen will request that you add the address of the biller.
Verification is needed to add a business as a biller. A code is sent to your chosen method – email, text, or call. Enter the code and click "Verify."
Pay a Business
Select "Pay Bills" tab in Bill Pay.
Select the account under "Choose From "
Select the Biller and enter the amount to pay. Click on "Pay $XX.XX."
Payment is scheduled. Click “Done.”
Pay a Person
Add a Payee - Individual
Select "+" next to "Pay A Person."
Enter the contact details of the individual, including First Name, Last Name, Mobile Number, Email, Payment Delivery method, and a Security Question. The mobile number is the default payment delivery method. You can choose email address by clicking on the arrow.
Click "Save and Pay."
Verification needed. Select Text, Email, or Call to receive the code
Pay a Person - Individual
Select an individual payee by clicking the radio button
Enter the $ amount, add a memo, select the "From" account and enter the date and frequency for payment. Click "Pay."
Confirm payment.
Mobile Deposits
Making Your Deposit
Under “Accounts,” tap on “Deposit Check.” You can also tap on the camera icon at the bottom of the screen (with “Deposit” labeled underneath). First-time users will need to accept disclosures.
Follow the prompts in the app to upload pictures of the front and back of your check, enter the amount, and submit.
Checking Your Mobile History
Got to “Mobile Deposit” as if to make another deposit.
Choose an account.
At the top, you’ll see a folder icon
Tap the folder to see your deposit history.
Card Management
Manage My Card
Under the Card Management menu, you will find Manage My Card Here you can block your card to prevent it from being used for new purchases without closing your account. You can unblock your card at any time.
Use the toggle to block the card Click “Block this card.”
Use the toggle to unblock the card when/if you are ready.
Card Updater
Update your card everywhere you pay online instantly
Search for the merchant and click “Continue ”
Enter your card and billing information once to update the payment method on all the sites you’ve selected. Click “Continue.”
Follow the prompts to complete the process.