Q. What is YOUBanking?
A. YOUBanking is our online and mobile banking platform.
Q. How do I sign up for online banking?
A. For new clients to KS StateBank, you will be able to set up online banking (YOUBanking) for your new account once you have completed your application. Click on “Online Banking Access” to be redirected to YOUBanking self-enrollment. From there, you will be asked to enter information to confirm your identity, set up multifactor authentication, and enroll in online banking.
If you are an existing client, your new account will automatically be added to YOUBanking once your account application is complete.
If you are new to YOUBanking, access the log in page from our website, ksstate.bank, using the Login button in the top right corner then simply click “Enroll Now” on the YOUBanking login screen.
Q. Is there a fee for online banking?
A. No, online banking is available free of charge to all KS StateBank clients.
Q. Is online banking safe?
A: Yes. Online banking is designed with multiple layers of security to help protect your information and accounts. We use advanced security measures such as encryption, secure login protocols, continuous monitoring, and optional biometric authentication (such as fingerprint or facial recognition) to help prevent unauthorized access.
You also play an important role in keeping your account secure by creating strong passwords, protecting your devices, and avoiding suspicious emails or text messages that request personal information.
While no online service can guarantee complete protection from fraud, following recommended security practices and using available security features—including biometric login—can help make your online banking experience safe and secure.
Q. Are there any options for adding additional security to my account?
A. Yes. We offer several security features to help protect your account and sensitive information. In addition to your username and password, you can enable biometric authentication—such as fingerprint or facial recognition—for a secure and convenient login experience on supported devices.
A. Yes. We offer several security features to help protect your account and sensitive information. In addition to your username and password, you can enable biometric authentication—such as fingerprint or facial recognition—for a secure and convenient login experience on supported devices.
For certain higher-risk activities, such as updating personal information, adding a new payee, or other sensitive transactions, we may require additional identity verification through a process called step-up authentication. This extra layer of security helps confirm that the person requesting the transaction is authorized to do so and may include biometric verification or other authentication methods.
These enhanced security features are designed to help safeguard your accounts while keeping online banking convenient and easy to use.
Q. What can I do to protect my internet security?
A. While online banking works to protect your banking privacy, you will also play an important role in protecting your accounts. There are several steps you can take to ensure that your online banking account information is protected including:
- Don’t reveal your online banking ID or password to anyone else. They are designed to protect your banking information, but it will only work if you keep credentials to yourself.
- Change your password frequently.
- Don’t walk away from your computer if you are in the middle of an online banking session.
- Once you have finished your online banking session, sign off before visiting other sites by clicking on the “Logout” button.
- If you notice suspicious or unusual activity on your online banking accounts, call us at 785-587-4000 or Toll Free at 800-588-6805.
- Do not change your pseudo names for your online banking accounts to your actual account number(s).
Q. Can I choose my own online banking ID and Password?
A. Yes – you will be prompted to select a unique online banking ID and password. The first time you log on to online banking you will be asked to choose a different password for security reasons. Password requirements are listed below:
- Password must contain at least 1 letter
- Password must contain at least 1 number
- Password must be between 8 and 25 characters in length
- Password must not match or contain your ID
- Password must contain at least 1 lowercase letter
- Password must contain at least 1 uppercase letter
- Password may contain the following special characters + _ % @ ! $ * ~ #
- Password must not match your last 5 Passwords
Q. How do I change my online banking ID?
A. After you log on to online banking, select the “User Profile” tab. On this page you will be able to enter a new Online Banking ID in the “New Username” box, “New Username (Confirm) and then click “Save”.
A. After you log on to online banking, select the “User Profile” tab. On this page you will be able to enter a new Online Banking ID in the “New Username” box, “New Username (Confirm) and then click “Save”.
Q. How do I change my password?
A. After you log on to online banking, select the “User Profile” tab. You will be asked to enter your current password, then to type in your new password twice for verification purposes then click save. You should receive a banner message stating that your requested changes have been saved.
A. After you log on to online banking, select the “User Profile” tab. You will be asked to enter your current password, then to type in your new password twice for verification purposes then click save. You should receive a banner message stating that your requested changes have been saved.
Q. What can I do if my online banking account is locked?
A. If you are unable to access your online banking account and you have received the message that your account has been locked, you can select the “Forgot Password?” option on the login page. You can also contact Client Care at 785-587-4000 or Toll Free at 800-588-6805. We will assist you in resetting your password.
A. If you are unable to access your online banking account and you have received the message that your account has been locked, you can select the “Forgot Password?” option on the login page. You can also contact Client Care at 785-587-4000 or Toll Free at 800-588-6805. We will assist you in resetting your password.
Q. Can my spouse and I have separate online banking IDs?
A. Yes, in fact that’s how we set you up. Since online banking ID’s are tied to Social Security Numbers, each signer on the account will have a different online banking ID and password that is unique to them.
A. Yes, in fact that’s how we set you up. Since online banking ID’s are tied to Social Security Numbers, each signer on the account will have a different online banking ID and password that is unique to them.
Q. What should I do if I forget my password?
A. If you forget your password, simple select the “Forgot Password?” option on the login screen. OR you can call Client Care at 785-587-4000 or Toll Free at
A. If you forget your password, simple select the “Forgot Password?” option on the login screen. OR you can call Client Care at 785-587-4000 or Toll Free at
800-588-6805 and we will be happy to reset your password for you.
Q. How late in the day can I make a transfer between my KS StateBank accounts?
A. You can transfer funds 24 hours a day. However, if you would like the transfer to post on the same business day, the transfer must be initiated, and a confirmation number received, before 6:00 p.m. CT on business days Monday-Friday. All transfers made after 6:00 p.m. CT, on weekends, or on holidays will post the next business day.
A. You can transfer funds 24 hours a day. However, if you would like the transfer to post on the same business day, the transfer must be initiated, and a confirmation number received, before 6:00 p.m. CT on business days Monday-Friday. All transfers made after 6:00 p.m. CT, on weekends, or on holidays will post the next business day.
Q. I signed up for online banking, but I am not able to view my past statements.
A. Electronic statements (E-Statements) can also be request by clicking on the Statements tab in online banking, accepting our Statements disclosure, then click on Documents and Settings to select statements along with other helpful notices. E-Statements include check images and will be produced as far back as the account was opened up to 7 years. If you need assistance with either of these options, please call Client Care at 785-587-4000 or toll free at 800-588-6805.
A. Electronic statements (E-Statements) can also be request by clicking on the Statements tab in online banking, accepting our Statements disclosure, then click on Documents and Settings to select statements along with other helpful notices. E-Statements include check images and will be produced as far back as the account was opened up to 7 years. If you need assistance with either of these options, please call Client Care at 785-587-4000 or toll free at 800-588-6805.
Q. How far back can I view my statements?
A. If you are signed up for electronic statements, you will have access to statements as far back as when the account was opened up to 7 years.
A. If you are signed up for electronic statements, you will have access to statements as far back as when the account was opened up to 7 years.
Q. When is Online Banking unavailable?
A. Occasionally, online banking will be temporarily unavailable during routine maintenance sessions. You will be notified of these dates and times prior to scheduled maintenance when you log on to online banking.
A. Occasionally, online banking will be temporarily unavailable during routine maintenance sessions. You will be notified of these dates and times prior to scheduled maintenance when you log on to online banking.
Q. Can I transfer funds or pay bills using online banking?
A. Yes, you may transfer funds between your checking and savings accounts with KS StateBank. You may also make payments to your loan from your accounts with online banking. Additionally, you may use our free Bill Payment feature within online banking to pay bills to electronic or check payees. For more information on Bill Payment, please contact Client Care at 785-587-4000 or toll free at 800-588-6805.
A. Yes, you may transfer funds between your checking and savings accounts with KS StateBank. You may also make payments to your loan from your accounts with online banking. Additionally, you may use our free Bill Payment feature within online banking to pay bills to electronic or check payees. For more information on Bill Payment, please contact Client Care at 785-587-4000 or toll free at 800-588-6805.
Q. What is real-time account access?
A. Real-time account access means that you see what the bank sees. In other words, you have access to the most current and accurate information pertaining to your account(s). If a transaction is pending for the current business day, you may not be able to see information such as the merchant name or the type of transaction. For example, if you see a transaction labeled “POD Captured Item” this is a check that is pending for the current business day. If you see a transaction labeled “ACH Processing” this is an ACH transaction that is pending for the current business day. Following business day processing, a more complete description can be viewed.
A. Real-time account access means that you see what the bank sees. In other words, you have access to the most current and accurate information pertaining to your account(s). If a transaction is pending for the current business day, you may not be able to see information such as the merchant name or the type of transaction. For example, if you see a transaction labeled “POD Captured Item” this is a check that is pending for the current business day. If you see a transaction labeled “ACH Processing” this is an ACH transaction that is pending for the current business day. Following business day processing, a more complete description can be viewed.
Q. What is the difference between current and available balance?
A. Your current balance is the total amount of funds currently in your account. Available balance is your current balance plus any holds that may have been placed on your deposits.
A. Your current balance is the total amount of funds currently in your account. Available balance is your current balance plus any holds that may have been placed on your deposits.
Q. How can I see my account number in Online Banking?
A. To see your full account number, click on the account you want to see. This will be the Transactions listing for the account. Under the Pseudo name of the account click on the “eye” next to the last four digits of the account number to expose the full number of the account.
A. To see your full account number, click on the account you want to see. This will be the Transactions listing for the account. Under the Pseudo name of the account click on the “eye” next to the last four digits of the account number to expose the full number of the account.
Q. Can I access my online banking from my mobile phone?
A. While the KS StateBank website and online banking can both be accessed and viewed from web-enabled mobile phones, the Bank does offer mobile banking which was built in a mobile-friendly format. You can access mobile banking by using the App for iPhone® or Android™ devices available in your App store. Mobile banking gives you access to most of the functions available in online banking, and is free for all KS StateBank clients.
A. While the KS StateBank website and online banking can both be accessed and viewed from web-enabled mobile phones, the Bank does offer mobile banking which was built in a mobile-friendly format. You can access mobile banking by using the App for iPhone® or Android™ devices available in your App store. Mobile banking gives you access to most of the functions available in online banking, and is free for all KS StateBank clients.