Making banking easier and more convenient for you!
For over a year, our team has been working behind the scenes to bring you a smarter, more connected banking experience. The biggest steps will happen during our PLANNED WEEKEND DOWNTIME from April 23-26.
We’ve got a lot more details to share! Bookmark this page and check back often, it will be your BEST RESOURCE for the most current and specific information. Be sure to watch your mailbox and inbox for updates!
Upgrading internal systems
Improving digital banking
A digital experience you can look forward to!
The new experience will launch on April 27. It has a clean look and a simple menu that puts your most important features right where you need them. Whether you’re on your phone or computer, everything will work the same way—making it easier to feel confident, stay on top of your accounts, and take care of everyday banking. Both individuals and businesses will sign in through the same platform with unique credentials, so navigating your finances becomes one easy, consistent experience.
Before we roll out the refreshed experience, we’ll need your help in being prepared - to make sure you’re ready for what’s ahead!
What's Staying the Same
- Your SNBT account numbers, features, and benefits
- Your automatic deposits and withdrawals
- Your checks, debit card, and credit card
- Your loan rates and terms
- Your digital banking username (hint: be sure to remember it!)
- Your transaction history and online biller information
- Our dedication to you and providing great service
What's Changing
- Download a new App on April 27
- One consistent digital experience for individuals & businesses, whether you use mobile or desktop
- Completely new refreshed look and feel of digital banking
- Simple navigation features so you'll feel confident using digital banking
- The design of your statements
How to Prepare Now
- Mark your calendar: PLANNED WEEKEND DOWNTIME begins Thursday, April 23 at 5pm
- Before April 17 at 8am, login to schedule your future payments and transfers
- DO NOT schedule any electronic payments or transfers to be dated April 24-26
- Bookmark this page and check-in for current updates (tell the others!)
- Note your username - you'll need it to login to the new digital system
Update your Contact Information
Having all your correct info ensures you stay in the loop with follow-up messages. Make sure your name, address, email, and phone number are all current. Or feel free to reach out so we can answer your questions.
As always, be on the lookout for scams and fraud. Criminals look for any opportunity to take advantage. Be vigilant. If ever you question the legitimacy of a call, email, or text, stop and contact us from a phone number you know to be valid.
Frequently Asked Questions - For Individuals
Reach out if you have other questions - we're here to help!
No re-enrollment is not necessary if you're an existing digital banking user. After April 27 you'll be able to login using your current username and last four digits of your social security number. Then it will immediately prompt you to change your password. If you use face or fingerprint recognition, you'll initially login with your username but can re-enable these features.
Yes. When the new app is released on April 27, download it directly from the App Store or Google Play Store. Both individuals and businesses will use the same App to login, and use a unique username to access each.
Login to online banking before April 17 at 8am and check your upcoming payment and transfer dates. Adjust the dates so NONE are dated between April 24-26. Transfers, Bill Pay, and Zelle will be completely paused during weekend downtime, therefore NO PAYMENTS dated between April 24-26 will occur. Set the LAST DATE as April 23 or choose a future date after April 27. No payments will be made during weekend downtime and all functionality will be paused until the new digital banking experience is launched. On April 27, access to bill pay will be restored including scheduled transactions, biller information, and history.
Beginning at 8am on April 17, access to Bill Pay, External Transfers, Zelle, ACH, Wires, and Remote Deposit will be completely paused. Any payments you schedule to take place from April 17 - 23 will take place. But NO PAYMENTS OR TRANSFERS will occur if they are dated between April 24-26. You must set the LAST PAYMENT DATE as April 23 or choose a future payment date that is after April 27.
Before 8am on April 17, you must login and review your upcoming bills. If any fall between April 24-26 you MUST ADJUST them because NO PAYMENTS will occur during the weekend downtime. Set the LAST DATE as April 23 or choose a future date after April 27. Bill Pay access ends on April 17 and will be restored on April 27. Once restored, you will see your scheduled transactions, biller information, and history. If you have eBills setup, once you login you will see these billers, but they will be marked "update" until you verify the connection to the new digital banking system.
Zelle will be unavailable starting at 8am on April 17. Before then, it is recommended that you make note of all Zelle contact details as these will not come over to the new system. Zelle will remain unavailable until April 29. Zelle transfers scheduled between April 17- 23 will be processed as scheduled; however, transfers dated after April 23 will not be processed and will not carry over to the new system. When Zelle becomes available on April 29, you will need to re‑enroll in Zelle through the new mobile app or digital banking and re‑add your Zelle contacts before sending money.
No, your automatic deposits (like a paycheck or social security deposit) or automatic withdrawals (like bills you have setup on your utility company website), also known as ACH, are unaffected by the downtime. There is nothing you need to do to alter these deposits and withdrawals. They will process as normal and post to your account on Monday, April 27.
Yes your transaction history will carry over. You'll have the same transaction history in the new digital banking experience as you had before.
Yes. All existing, scheduled, or reoccurring account to account internal transfers will transition to the new digital banking platform once it is available. Avoid using any transfer date between April 24-26 as transfers will be paused during the planned weekend downtime and NO TRANSFERS will occur during those days.
Yes. This is an important security feature if you transfer money to accounts at other banks. If you previously had external transfers setup, you will have to reestablish those by validating a small transaction between your two accounts. Prior to weekend downtime, avoid scheduling any transfer date between April 24-26 as transfers will be paused during the planned weekend downtime and NO TRANSFERS will occur during those days.
Yes. If you’re currently enrolled in eStatements, your frist new eStatement will be for April 24-30. In addition to eStatements, we’re introducing electronic documents such as notices and most tax forms.
Your eStatement history will be added shortly after the upgraded experience goes live. In the meantime, you can filter your transaction history by date to find recent activity, or reach out to us anytime if you need a copy of a previous statement.
You will receive two statements for the month of April. The first will arrive by mail and contain all your account history from April 1- 23 and the second will be sent as normal (either mail or electronic) and include account information from April 24-30. You will not be charged extra for these statements.
You’ll use the same username for digital banking as you do right now. If you’re currently using face ID or fingerprint ID, you’ll want to ensure you have your username handy for the first login in the new experience. Once you’re logged in the first time, you can reenable face ID or fingerprint ID in the new app. If you’re unsure of your username, contact us ahead of time.
Yes, new alert options will now be available. Set a different type of alert for each account, customize what activity you’re notified about and whether you receive alerts by email, text, or push notification.
Yes. You will see your account nicknames, but they will be limited to 20 characters. In the new experience, you will have the ability to establish new nicknames for any account, reorder how you see accounts, and show/hide accounts based on your preferences.
Starting Thursday, April 23 at 5pm use of your Health Savings Account (HSA) debit card will be paused during weekend downtime. On April 27 all functionality will be restored. The downtime does not affect your standard debit card for personal or business accounts, only HSA cards will be unavailable.
You can continue using Bank by Phone until Thursday, April 23 at 5pm when the service is shutdown for the upgrade weekend. It will resume on Monday, April 27 beginning with customer verification questions. Be sure to call from a phone you have on file with SNBT. Be ready with your account information. Listen carefully to the prompts as the system will sound different with new features and options. You will be asked to create a new 6-digit PIN.
Yes. Rest assured, your data will be transferred safely, and we will continue following all standard security protocols to protect your accounts and financial information. BE AWARE! Scammers often take advantage of transitions like this to send fraudulent emails, texts, or phone calls that appear legitimate. Please stay vigilant and exercise extra care in protecting your sensitive information during this time.
INFORMATION FOR BUSINESSES
The biggest change and some great news: Business users will now sign in through the same login page as consumers, using unique credentials. One convenient starting point means a smoother, more familiar experience every time.
Frequently Asked Questions - For Businesses
ACH Originators - You must submit ACH files before 3:30pm on April 22 and should have an effective date of April 23 or April 27. No ACH will occur if dated between April 24-26.
Wire Exchange - You must submit wires before 2:30pm on April 23. No Wires will occur if dated between April 24-26.
On April 23, access to ACH and Wires will be completely paused and will not be restored until April 27.
Wire Exchange - You must submit wires before 2:30pm on April 23. No Wires will occur if dated between April 24-26.
On April 23, access to ACH and Wires will be completely paused and will not be restored until April 27.
You will need to login to digital banking before April 17 at 8am and change your upcoming payment and transfer dates for Bill Pay, and External Transfers.
ACH and wires must submit before April 22 at 2:30pm.
Adjust the dates so NONE are dated between April 24-26. Set dates before April 23 or choose a date after April 27. Bill pay, transfers, ACH, and wires will be completely unavailable during weekend downtime, so NO PAYMENTS dated between April 24-26 will occur.
No re-enrollment is not necessary if you're an existing digital banking user. After April 27 you'll be able to login using your current business online banking username and last four digits of your tax ID number. Then it will immediately prompt you to change your password. If you use face or fingerprint recognition, you'll initially login with your username but can re-enable these features.
Yes. When the new app is released on April 27, download it directly from the App Store or Google Play Store. Both individuals and businesses will use the same App to login, and use a unique username to access each.
ACH and Wire templates will transfer to the new system, though they will be saved in your transaction History rather than in a separate "Templates" section — the process will look different but the data will be there. We still recommend exporting or documenting your current templates and any critical history you may need for your records as a backup before the upgrade.
Be sure all remote deposits are scanned in before 1pm on April 23. We will be reaching out to you about installing new software to your current scanner. If you have urgent needs, please contact us.
Before 8am on April 17, you must login and review your upcoming bills. If any fall between April 24-26 you MUST ADJUST them because NO PAYMENTS will occur during the weekend downtime. Set the LAST DATE as April 23 or choose a future date after April 27. Bill Pay access ends on April 17 and will be restored on April 27. Once restored, you will see your scheduled transactions, biller information, and history. If you have eBills setup, once you login you will see these billers, but they will be marked "unverified" until you verify the connection to the new digital banking system.
If you have outstanding checks dated prior to 12/31/25 those will not carry over. Make a note of these ahead of time and re‑enter these items on April 27 to avoid exceptions and additional review.
The new digital experience will require that you make changes to your QuickBooks or Quicken software. Please mark your calendar and take action based on these two important action dates:
Action Date #1: Wednesday, April 22 before 5pm a data file backup and a final transaction download should be completed by this date since transaction history might not be available after the upgrade.
Action Date #2: Monday, April 27 after 8am complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.
Action Date #1: Wednesday, April 22 before 5pm a data file backup and a final transaction download should be completed by this date since transaction history might not be available after the upgrade.
Action Date #2: Monday, April 27 after 8am complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.
We have some guides that should help you transition your QuickBooks, Quicken, or Mint – follow this link to the guide that provides the download available with step by step instructions: SNBT Guide for QuickBooks, Quicken, and Mint .
Hard tokens (fobs) will no longer be required and will be replaced by other forms of multifactor authentication (MFA). This change enhances security while simplifying access. It provides protection with convenience, allowing you to log in securely without needing a separate token.
User permissions such as who can view, approve, etc. should carry over in the new system as was previously established. As a precaution, we recommend making a note of current user permissions to ensure they are re-established accurately in the new system.
Yes, training will be provided either in person or via self-paced video tutorials. Watch your email for a message from us regarding training. If you do not receive a message, please check your spam folders. You can reach out to us anytime with questions.
Yes your transaction history will carry over. You'll have the same transaction history in the new digital banking experience as you had before.
Yes. Rest assured, your data will be transferred safely, and we will continue following all standard security protocols to protect your accounts and financial information. BE AWARE! Scammers often take advantage of transitions like this to send fraudulent emails, texts, or phone calls that appear legitimate. Please stay vigilant and exercise extra care in protecting your sensitive information during this time.
DETAILS WORTH REMEMBERING
Before April 17 at 8am, login to schedule your future payments & transfers - Bill Pay, External Transfers, Zelle, and Remote Deposit.
Access to these digital payment and transfers methods will be turned OFF on April 17.
DO NOT schedule any digital payments or transfers to be dated between April 24-26.
IMPORTANT:
All types of digital transfers and payments (such as Bill Pay, External Transfers, Zelle, Business ACH, Wires, and Remote Deposit) will be completely paused during weekend downtime and NO DIGITAL TRANSFERS OR PAYMENTS dated between April 24-26 will occur.
You must set the LAST DATE as April 23 or choose a future date that is after April 27 - otherwise, your payment or transfer WILL NOT take place during downtime.
Your automatic deposits and withdrawals to and from your account (also knowns as ACH) are unaffected by the downtime and will post to your account on April 27.
On April 27, access will be restored including scheduled transactions, history, and biller information.
If you have any questions, pleasecontact us.
No payments or transfers will be made during weekend downtime
TAKE NOTE: PLANNED WEEKEND DOWNTIME
WHAT TO DO BEFORE APRIL 17 at 8am:
- Schedule digital transfers and payments - Bill Pay, Zelle, External Transfers, Business ACH, Wires, and Remote Deposit all must be scheduled in advance.
- Avoid using any digital pay date between April 24-27 as NO DIGITAL TRANSFERS OR PAYMENTS will occur during those days
On Thursday, April 23 at 5pm:
- PLANNED WEEKEND DOWNTIME BEGINS
- Digital and Mobile Banking will be unavailable until April 27
- Deposits WILL NOT be credited to your account until end of day Monday, April 27
- You'll still be able to make purchases and get cash with your debit card but eTeller ATMs will have intermittent downtime
- Our lobbies will be open for normal hours on Friday, April 24 for your everyday banking and cash needs
- Special Contact Center hours Saturday & Sunday
Special Extended Hours to Serve You
CONTACT CENTER: 715-732-1732
Saturday, April 25 8am - 6pm
Sunday, April 26 9am - 8pm
Monday, April 27 8am - 6pm
Tuesday, April 28 8am - 6pm
Wednesday, April 29 8am - 6pm
Thursday, April 30 8am - 6pm
Friday, May 1 8am - 6pm
BRANCH LOBBIES:
Marinette, Menominee, Oconto, Crivitz, Wausaukee, Pembine
Monday, April 27 8am - 6pm
Tuesday, April 28 8am - 6pm
Wednesday, April 29 8am - 6pm
Thursday, April 30 8am - 6pm
Friday, May 1 8am - 6pm