Online Banking

Our FREE Online Banking & Business Online Banking allow you to access your accounts wherever you are, whenever it's convenient for you.

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Online Banking Features Include

  • 24-hour account access
  • Safe and secure
  • Check your accounts, pay bills and make transfers
  • View real-time account balances and account history
  • Track your expenses in an easy-to-read pie chart -- so you can see where your money is going at a glance
  • Transfer of funds
  • Check Free (Bill Pay)

Business Online Banking EXTRAS

  • Merchant Capture
  • ACH Origination
  • Wire Transfer Origination
  • Multi-layer User Log ins
  • Positive Pay - Coming Soon!

Get started by clicking enroll within our login on the homepage.

Check Free (Bill Pay)

Conveniently pay your bills online with just a few clicks.

  • Set up reminders for payments
  • Make recurring payments
  • Set up your payments to pay automatically on the day they are due
  • Search for past payments in your history
  • Use the Message Center to get quick answers to questions
  • More secure than mailing a personal check

Log in to Online Banking on the homepage to sign up today!

Credit Sense

Access and monitor your real time credit score on demand at your fingertips. Scores are updated every 24 hours. Receive tips on how to improve your score and save money.

Credit Sense is available to you through online and mobile banking. Credit Sense is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money on new and existing loans with us.

What is Credit Sense?

Credit Sense 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 Bank 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 injury has been made. Monitoring helps users keep an eye out for identity theft.

What is Credit Sense Credit Report?

Credit Sense 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. Like Credit Score, when you check your credit file, there will be no impact to your score.

Is there a fee?

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

How often is my credit score updated?

As long as 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 Credit Sense site from within online banking.

How does the Credit Sense differ from other credit scoring offerings?

Credit Sense 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 taken into account 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, Bad Below 500.

Will ABC Bank use Credit Sense to make loan decisions?

No, ABC Bank uses its own lending criteria for making loan.

Will Credit Sense share my credit score with ABC Bank?

No, Credit Sense is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with ABC Bank.

How does Credit Sense keep my financial information secure?

Credit Sense 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.

If the Bank doesn’t use Credit Sense to make loan decisions, why do we offer it?

Credit Sense 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 ABC Bank.

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

Credit Sense 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, and then pursuing 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 Credit Sense Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both ABC Bank product offers and financial education articles. Why am I seeing this?

Based on your Credit Sense information, you may receive ABC Bank offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the Credit Sense team, are designed to provide helpful tips on how you can manage credit and debt wisely.

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

No. Checking Credit Sense 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 Credit Sense offer credit report monitoring as well?

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

How do Customers change their email address or other personal information?

If you access Credit Sense program through your online banking, you have to do nothing! Your email address will get updated automatically in Credit Sense when you update it in online banking. However, we always encourage you to inform your financial institution of any contact information updates.
If you signed up with Credit Sense from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.

Can Customers use Credit Sense on mobile devices?

Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.


Go green and access your account statements electronically through Online Banking. They are a safe, easy and convenient way to view, print or save your monthly account statements. You'll receive an email notification when your statement is ready to view.

Log in to Online Banking on the homepage to sign up!


Safe, easy, quick, and paperless way to transfer funds to and from your various financial institution accounts.


It's a fast, safe and easy way to send & receive money using your mobile banking app or online banking account.  For consumer accounts only.

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