Digital Banking Guides


We offer a Digital Banking Guide to help walk you through the basic needs in our Digital Banking service.  In addition, you can use your Digital Banking Frequently Asked Questions below.  Click on the question below that pertains to your needs.


Do I need Online Banking to use mobile banking?


Is my Mobile password the same as my Online Banking (PC) password?

Yes, if you change it on your mobile device, it will change for online banking, and vice versa

I just opened an account with Time Federal. Can I open Digital Banking right away?

You will be able to sign up for Digital Banking as soon as the next morning after you have opened an account and made your first deposit.

I’m getting an error when creating/changing my Password? What’s wrong?

Your Password for Online and Mobile Banking needs to have:

Minimum of Characters: 8

Maximum of Characters: 12

Format:  One upper case, one lower case, and one number is required with symbols being optional.

I’m getting an error when I put in my “User Name”? What’s wrong?

Your “User Name” must be between eight and twenty-four characters in length. It must not contain any spaces.

What if I forget my username/password?

If you forget your Username or Password, click on the Forgot Password on the main login screen.  You will be prompted to supply private information to reset your username or password.  You can also call our Customer Service during normal business hours for assistance at 1 800-205-0914.  

If I try too many times with an incorrect password, how do I unlock my account?

You will need to call the bank at 1 800-205-0914 during business hours.

Do I always have to use my long, multi-character, online banking password for the mobile app?

No, once you’ve used it, you can set a 4-digit PIN or Fingerprint Authentication.  For the 4-digit PIN, go to the SETTINGS page and enable the PIN login. For the Fingerprint Authentication, on the login screen check the Enable Fingerprint box and then supply your Username and Password.  This will allow in the future for your finger print to be used as the login.  The PIN number or fingerprint identification and the identification of your device provides dual authentication security.

Does my spouse have the same password/username on the same account?

Each Digital Banking user should establish their own Digital Banking account.  This will help with security measures and allow each person to have access to their own accounts.

How do I see images of the checks I deposited?

From a computer, expand the transaction line by clicking the down arrow.  Click on the camera in the right corner of the transaction box.  You can then click on the check in the box to see the check image larger.

From a Mobile device, click the three dots to expand the options.  Click on Review Check Image to see the check front and/or back.

What is a Business Day for Digital Banking Services?

Monday through Friday, excluding holidays.  Cut off times for Digital Banking transfers are 7 pm CST.  Cut off times for Digital Banking Check Deposits are 3 pm CST.

How can I change the viewing of the order of my accounts?

Go to Menu and click on Settings. Click on Change Account Order. Then Click on the up or down arrows to move your accounts in the order you need them to be viewed within online and mobile banking.

When I make a transfer, how soon does it happen?

Transfers from another deposit account are immediately reflected in the account’s available balance

What types of accounts can I transfer from? To?

You may transfer from: checking, savings, or Home Equity Line of Credit (HELOC). You may transfer to: checking, savings, installment loans, Mortgage, or HELOC (credit cards are not included).

What if my scheduled transfer falls on a weekend or non-business day in Digital Banking

Pre-scheduled transfers will be processed on the prior business day if they fall on a weekend or

non-business day.

Can I make my loan payment with Mobile?

You can transfer funds to make a line of credit, mortgage or installment loan payment. Credit card payments cannot be made by Mobile. Payments must be made before 7:00 p.m. CST to be credited with the date the payment is submitted.

What is the cutoff time to transfer from one account to another and have the receiving account balance available to pay checks or other debits?

Transfers and mobile deposits must be made by 7:00 p.m. CST on business days in order for funds to be available for incoming debits to an account. Transfers to any account made on a Saturday, Sunday, or holiday, will appear with the next business day’s date in the account transaction history.

I receive a message about my session ending and it asks me if I want to logout. What does that mean?

As a security feature, the mobile banking app will log you out after a period of inactivity. If you receive a notice that you will be logged out due to inactivity, you can either choose to cancel the log out procedure and continue with your session, select the log out option, or do nothing in which case the system will log you out automatically.

Why do I get logged out of mobile banking if when I receive a phone call?

Apple phones do not have multi-tasking capabilities, and phone calls take priority over other functions. If you receive a phone call while you are using the mobile app, the device will log you out of mobile banking. Android devices allow multi-tasking and will maintain your session as long as you do not exceed the inactivity log out period.

Will Online Banking through a browser work on my mobile device?

Online Banking is not designed to run on iPhone, Androids or Tablets through a browser.  It might work, but it will not be optimized.  Customers will have to pinch and zoom around the screen.  iPhone, iPad and Android applications are the best choice because they are designed with specific detail for those devices.  Each application can be easily downloaded from its respective store.

What Browsers and the minimum resolution will my Online Banking work on?

Supported Browsers

SmartWebApps supports N-1 or the latest version and the previous version, excluding Internet Explorer which is only supported at version 11 until further notice

Chrome – 60 and 61

Firefox – 54 and 55

Safari – 10 and 11

Internet Explorer (IE) – 11

Edge – 39 and 40

Online Banking Minimum Resolutions

Currently, our SmartWebApps are not fully responsive, even though they have some features which scale down to phone size, they have not full converted their UI. So the minimum support resolutions are:

Landscape: 1024px X 768px (Height X Width)

Portrait: 768px X 1024px (Height X Width)

How does the "Manage Debit Cards" feature work in Digital Banking?

You can turn your debit card(s) on or off to allow or disallow transactions. This will affect all cards connected to your account chosen.  If you turn off the debit card, it will be denied from any transaction made. Your selection will remain until you choose to change it.

Is Online and Mobile Banking safe/secure?

Mobile banking has the same level of security as Online Banking because your personal information is protected by advanced encryption technology to help prevent unauthorized access. There are multiple layers of security to protect your personal information.

What is secure messaging in Digital Banking?

Secure Messaging allows the bank and you to communicate and send attachments securely directly within Digital Banking.  You will also get email alerts from TFSB with a subject of : Secure Message Notification from Time Federal Savings Bank.  The actual message will say the following:  A secure message has been received.  Please log in to mobile or internet banking to view and reply. 


How do I login/sign up for mobile access?

Download the App from GooglePlay (Android) or the App Store (iPhone)

What types of transactions or viewing can I use in the new Mobile App?

– View current balance information for your linked accounts

– Review available transactions for your linked accounts

– View branch locations on your mobile device

– View contact telephone numbers & additional details for reaching us

– View & set account alerts & notifications

– View general information about the bank

– Send us secure mobile mail messages and questions regarding your Mobile service

– Transfer funds between your linked accounts

– Pay bills and external payees using your smartphone or tablet

– Schedule transfers as a one-time transfer or schedule for a future date

– Deposit checks to your primary transaction account using the camera on your smartphone or tablet  (Fall 2018)

– View you eStatements (January 28, 2019 )

– View  your checks deposited (January 28, 2019)

Will the app work with my cell phone or tablet?

It is compatible with:

– Android: requires Android 17 and up

– iPhone and iPad application: requires iOS 9 and up.

What devices does Mobile Banking support?

Android Phones

Android 6.5 (APK 17+)

Jelly Bean (4.3.1+)

Kit-kat (4.4–4.4.4)

Lollipop (5.0–5.1.1)

Marshmallow (6.0–6.0.1)

Nougat (7.0–7.1.2)

Android 7.0+ (APK 19+)

Kit-kat (4.4–4.4.4)

Lollipop (5.0–5.1.1)

Marshmallow (6.0–6.0.1)

Nougat (7.0–7.1)

Android 7.5+ (APK 19-25)

Kit-kat (4.4–4.4.4)

Lollipop (5.0–5.1.1)

Marshmallow (6.0–6.0.1)

Nougat (7.0–7.1)

Android 8.0+ (APK 19-26)

Lollipop (5.0–5.1.1)

Marshmallow (6.0–6.0.1)

Nougat (7.0–7.1)

Oreo (8.0-8.1)

Support iOS Devices

iOS Devices

For 6.5




For 7.0+  



For 7.5 




For 8.0 




What is Bill Pay?

This system within Digital Banking allow you to pay your bills via your online banking or through mobile banking.

Is there a fee for Bill Pay?

If you sign up and use Bill Pay, it is free.  If you have an inactivity period for 3 months, then there is a fee. So try it out!

Can I cancel a Bill Pay after I’ve submitted it?

Yes, if you cancel it prior to 2:30 p.m. Central Time via the Bill Pay screen.

How do I sign up for Bill Pay?

You can only sign up for Bill Pay within Online Banking on your computer by clicking on Pay Bills and Click Proceed to continue to the Bill Pay site.


What is Check Deposit?

It is our mobile remote deposit capture service. It allows you to take a picture of your check with your smart phone or tablet and deposit the check via your Mobile device.

Can I use my fingerprint authentication from my mobile device to make it easier to sign into my mobile app?

Yes, as long as your mobile device allows you the capability.  NOTE: If you have more than one fingerprint saved within your mobile device, any one of those people will have the ability to sign into your mobile banking through that fingerprint scan on your mobile device.

I can't take a clear picture of a check for submission. Why not?

Older phones with processor speeds below 1.0 GHz may not be able to take a clear picture of a check. Check your processor speed to see if this is the issue.

I cannot make a deposit. Why not?

We can accept checks payable to you, drawn on a U.S. bank. We can’t accept checks payable to others or made payable to a business, traveler’s cheques, money orders, foreign checks, substitute checks, or returned checks, postdated or stale dated checks (more than 6 months old).

If I use Check Deposit to deposit a check(s), how soon can I use the funds?

Mobile deposits made on normal business days, prior to 3:00 p.m. CST are deposited same day. These deposits are subject to regulatory and procedural holds, please refer to Terms & Conditions for details on funds availability or watch your Account balance screen for indication of funds available.

To which accounts can I make a deposit with the mobile banking app?

You can make a remote deposit to Time Federal Savings Bank consumer savings accounts or checking accounts.

What happens if a check is rejected?

If the check is rejected by the automated system, it will be shown as a rejected item on your device and a reason will be provided. If the item is rejected manually, the deposit history transaction will show as $0.00 and an email will be sent providing the reason that the deposit was rejected.

What types of checks are not eligible for Check Deposit?

Please see Terms & Conditions for details under your Menu (on the right top corner) under Terms of Use.  There is no fee for using Check Deposit.

We can accept checks payable to you, drawn on a U.S. bank. We can’t accept checks payable to others or made payable to a business, traveler’s cheques, money orders, foreign checks, substitute checks, or returned checks, postdated or stale dated checks (more than 6 months old).

What would cause a Digital Check Deposit to be rejected?

A Check Deposit item will be rejected if:

– The item has been previously deposited

– Four corners of the check cannot be detected

– Two images of the same side of the check are submitted instead of one image of the front and one image of the back

– Either of the check images is out of focus

– The view angle of check is too excessive

– MICR line data cannot be recognized by the system

– The payee information on the check does not match the name of the account holder

– The amount of the deposit entered by user does not match the numeric amount on image of the front of the check

– The endorsement “For Mobile Deposit Only” is missing

– Amount exceeds set deposit limits

– Number of allowable daily or monthly deposits has been reached

– Stale or Post dated

– Check is not filled out entirely

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