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FAQs about Murphy-Wall Online Bill Pay

Click Here to learn more about Online Bill Pay with our FAQ's

Murphy-Wall Online Bill Pay Basics

Q. What is Murphy-Wall Online Bill Pay?

A. Murphy-Wall Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It’s safe, secure and easy to use.

Q. Who can I pay with Murphy-Wall Online Bill Pay?

A. You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Getting Started with Murphy-Wall Online Bill Pay

Q. How do I enroll in Murphy-Wall Online Bill Pay?

A. It’s easy to enroll in Murphy-Wall Online Bill Pay. Just log in to your account and click the “Bill Pay” link to access the short enrollment form.

Q. How do I start using Murphy-Wall Online Bill Pay?

A. The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  1. Log in to your account and click the “Bill Pay” link.
  2. Click the “Add a Payee” button on your home page dashboard.
  3. Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Q. How do I make payments with Murphy-Wall Online Bill Pay?

A. The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  1. Find your payee on the payments dashboard.
  2. Enter the payment amount and date, then submit.

How Murphy-Wall Online Bill Pay Works

Q. How are online payments delivered?

A. Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q. Is Murphy-Wall Online Bill Pay secure?

A. Paying bills online is one of the safest ways to pay your bills. Murphy-Wall Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q. How long does it take before my payment is received?

A. Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Q. How are the scheduled payments processed with Murphy-Wall Online Bill Pay?

A. Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Q. How do I stop a bill payment?

A. Bill payments that have not been processed can be cancelled through your Bill Pay tab in online banking. If the payment has been processed, we may be able to place a stop payment on your account. Electronic bill payments posted to your account are not eligible for stop payment. Contact us at 1-877-358-6554 during regular business hours to inquire about stop payments or submit a Stop Payment form from the Support tab in your online banking. Forms submitted through internet banking after business hours will be viewed and processed on the next business day. Please refer to your Account Agreement and Disclosure for more details on stop payments and the associated fee.

Murphy-Wall Online Bill Pay Benefits

Q. What are the primary benefits of Murphy-Wall Online Bill Pay?

A. Here’s a quick list of the many ways you can benefit from using Murphy-Wall Online Bill Pay.

  1. Save time. With Murphy-Wall Online Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  3. Stay organized. Your payment history is stored in your online account, so you won’t have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With Murphy-Wall Online Bill Pay, there are no checks to write or envelopes to mail. That’s good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

eBill

Q. What is eBill?

A. eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Murphy-Wall Online Bill Pay account.

Q. How do eBills work?

A. eBills are delivered directly to your Murphy-Wall Online Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q. Will I still receive paper statements when I have eBill?

A. You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

Q. How will I know if eBill is available for a payee?

A. If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Murphy-Wall Online Bill Pay dashboard.

Q. What are the primary benefits of eBill?

A. With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won’t have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

Q. What information is included in an eBill?

A. Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee’s website, or you can check your paper statement.

Q. How do I pay an eBill?

A. To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q. How do I know when I have received an eBill?

A. You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.

Debit Card FAQs

Click Here to learn more about our Debit Cards with our FAQ's

Q. What do I do if I lose my card or if I think it has been stolen?

A. Visit our Lost/Stolen Card page for guidance on what you should do.

Q. How do I activate my card?

A. After receiving your card in the mail, please call the number on the sticker to activate. For security purposes, you must call from the phone number that we have on file.

Q. What happens if I do not activate my card?

A. Debit cards that have not been activated are deleted after three months.

Q. May I choose my own PIN?

A. Yes. Please visit your nearest branch.

Q. What are my daily dollar limits when using my debit card?

A. You may withdraw up to $500.00 from an ATM per day by using your 4 digit PIN. Up to $1,500.00 in goods and services may be purchased per day. Note: Limits are subject to the Available Balance in your checking account at the time of purchase.

Q. Why would I choose to run my card as credit instead of debit?

A. Choosing to run your card as credit processes your transaction through the VISA system and allows a limit of $1,500.00 per day subject to your Available Balance. Running a transaction as credit does not mean that you have a credit card. The purchase amount is taken from your checking account.

Q. After I use my card, how soon will the money be taken from my checking account?

A. This is dependent upon the merchant and the merchant’s processor. Some transactions may be deducted from your account immediately, but others may take three or more days. Pending transactions indicate that your purchase is in the process of being completed but have not yet been finalized. A Hold for the amount of the purchase will be placed on your account to ensure that the funds will be available when the transaction has been completed.

Q. When will my debit card expire?

A. Debit cards are issued every three years. The expiration date may be found on the front of your card. Example: If your expiration date is 10/19, then your card will stop working on November 1, 2019.

Q. When can I expect to receive a new card before my current card expires?

A. The reissued cards are ordered four to five weeks prior to the expiration of the current card.

Q. What happens if I do not use my debit card?

A. Cards that have not been used for a year are deleted and will not be reissued.

Q. I am planning to travel.

A. If you are planning to travel, please fill out a Travel Notification Form or call to inform us. Our card fraud prevention system may block the usage of your card when transactions are outside of your normal spending patterns.

Online Banking FAQs

Click Here to learn more about Online Banking with our FAQ's

Q. How do I enroll for Online Banking?

A. Visit one of our locations at Pinckneyville, Murphysboro and Elkville. One of our knowledgeable Customer Service Representatives will enroll you and provide you with a Security Code, along with your acknowledgement of the Electronic Banking Service Agreement. You will then be able to complete the enrollment process from your personal computer.

Q. Would you like a hands-on demo of our Internet Banking experience?

A. Great! View our Demo Site and learn just how easy it is to view accounts and make transfers. Feel free to click around and gets a hands on experience of what our Internet Banking service can do for you!

Mobile FAQs

Click Here to learn more about Online Banking with our FAQ's

Internet Banking Vacation Notification Tutorial

How to Move Money: Transfers, Loan Payments, and Bill Pay

How To Give My MWSB Visa Check Card A Unique Name

Password and PIN Security Settings

Finding Our Banking Locations on Your Mobile App

Q. Will the app work with my cell phone or tablet?

A. The Murphy-Wall app is compatible with:
Android: requires Android 4.3 or later.
iPhone application: requires iOS 8 or later. Compatible with iPhone.
It is recommended that your device be updated to the most current version for optimal use.

Q. Is there an application for my Blackberry or iPad?

A. We do not offer an application for Blackberry devices at this time. Currently our mobile application is only available for Apple iPhone and Android mobile devices. However, the iPhone application can be downloaded on the iPad but images may be distorted.

Q. How secure is mobile/text message banking?

A. All information transmitted between servers and the mobile devices is encrypted as with our regular Online (Internet) Banking Service. There is no difference between using a mobile device or a computer from your home.

Q. How do I signup/login for mobile access?

A. You have to be a current user of our Online (Internet) Banking Service with a signed Electronic Banking Agreement. You can sign our agreement at any of our three locations (Pinckneyville, Murphysboro, and Elkville). Once this is complete, download the Murphy-Wall app from the App Store (iPhone) or Google Play (Android).

Q. How do I begin using the mobile app once I've signed the agreement?

A. Install the mobile app and enter your Online (Internet) Banking Service username, password and security answer. Your use of the app indicates your ongoing acceptance of the Electronic Banking Agreement.

Q. Where will I find the Terms and Conditions of Mobile Banking?

Terms and Conditions can be found on www.murphywall.com

Q. Is my Mobile username/password the same as my Online (Internet) Banking Service password?

A. Yes, if you change your Online (Internet) Banking Service password, you will need to use the same for the mobile app.

Q. What are the username requirements?

A. If you are a Murphy-Wall State Bank Online (Internet) Banking user, no further registration is required. Simply download the app and use the same username and password you use for Internet Banking. Otherwise, registration is required in one of our facilities at Pinckneyville, Murphysboro, or Elkville.

Q. What are password requirements?

A. The PASSWORD must be a minimum of eight (8) characters and no longer than 32 characters. The password must be complex (i.e. must contain a number, an upper case letter, a lower case letter, and a special character. The PASSWORD cannot contain any whitespace (spaces are not allowed: including before, in the middle of, or after the password); The PASSWORD characters used in your PASSWORD are case-sensitive, so an “M” is not the same as an “m”. “M8rphy-W211” is representative of a complex password.

Q. What if I forget my username and/or password, or have tried too many times with an incorrect one?

A. If you forget your username and/or password, you can reset it through our Online (Internet) Banking Service or Mobile. Your Online (Internet) Banking Service password is your mobile password. Please do not send confidential information by email from the mobile app. You may use the secure email located on our website. Or you may call us at 877-358-6554.

Q. I know my password but I typed the wrong password and the application will not let me in, what do I do?

A. Wait 24 hours to be unlocked automatically. If you have been locked out twice in a row, please call us to be unlocked.

Q. Do I always have to use my long, multi-character, Online (Internet) Banking Service password for the mobile app?

A. No. Once you have logged in with your multi-character password on the mobile app, you can set a 4-digit PIN within the SETTINGS page. This PIN is known only to you and your device, this provides dual authentication security. This PIN is only used for the mobile app, and will not affect your debit card PIN.

Q. What if I forget my PIN, or have tried too many times with an incorrect one?

A. If you forget your PIN, click on USERNAME LOGIN and it will prompt you for your Username and password, then you can login and reset your PIN.

Q. Can I change my username?

A. Yes. After you have logged in, go to SETTINGS. Choose CHANGE USERNAME and enter your new Username and current password.

Q. Can I change my password?

A. Yes. After you have logged on, go to Settings. Choose CHANGE PASSWORD. Verify your current password in the top box and enter your new password in both bottom boxes.

Q. What if I just want to check my balances, do I have to login every time?

A. There are features on the SETTINGS page that can make this easier for you. Turning the AUTO LOGIN on will allow you to look at balances and recent transactions without logging in. You will be prompted to login if you perform a transaction, use Bill Pay, or change a security function. You can also choose SAVE USERNAME on the login screen, this will automatically load your username each time you login, but will require a password or PIN before viewing balances. You should choose these AUTO LOGIN and SAVE USERNAME options carefully as the risk of unauthorized persons viewing some of your account information could be greater when these options provided for your convenience are on. If you utilize auto login we strongly encourage you to have a password on your mobile device. If you access more than one username on the same device auto login is not available.

Q. I have a PIN set-up but need to re-enter my new username and password. How do I get the app to allow me to login using my username and password?

A. Simply select USERNAME LOGIN at the login screen. This will allow you to log in using your username and password. To reactivate PIN login, once on the app, go to the “SETTINGS” icon and select “LOGIN SETTINGS” to reestablish your PIN login.

Q. I set-up auto login on my device and it no longer works, why?

A. For security reasons, if you access more than one username on the same device AUTO LOGIN is not available. If you have not accessed more than one username on your device, you may delete the app and re-install it. Normally, this functionality will return.

Q. Does my spouse or joint account holder have the same username and password on the same account?

A. No. Each user should have his/her own username and password

Q. What is a Business Day for Mobile App transactions?

A. Monday through Friday, excluding bank holidays.

Q. What languages are supported on Murphy-Wall Mobile App?

A. English.

Q. What types of transactions or viewing can I perform in the Mobile App?

  • View current balance information for your linked Murphy-Wall accounts.
  • Review transactions for your linked Murphy-Wall accounts.
  • Pay bills through Bill Pay,once you have enrolled for the service through Online (Internet) Banking Service.
  • Transfer funds between your linked Murphy-Wall accounts as a one-time transfer or schedule a transfer for a future date.
  • Set and view account alerts & notifications.
  • View branch locations.
  • View contact telephone numbers & additional details for reaching the staff of Murphy-Wall State Bank and Trust Company
  • Make loan payments

Q. I don’t know my accounts by just the account number. Can I rename the accounts listed?

A. Yes, go to SETTINGS and you can choose RENAME ACCOUNTS.

Q. How can I organize my accounts for easier recognition?

A. To rearrange the order your accounts appear, go to SETTINGS, and then choose REORDER ACCOUNT. When the accounts appear, place your finger on the drag handle next to the account you want to move and drag it to where you want it located.

Q. I made a typo when naming my accounts. Can I change the nickname on an account?

A. Yes. You can change the name on an account by using the SETTINGS button in the app and then clicking on RENAME ACCOUNTS.

Q. Why don’t certain accounts show up in the application?

A. The only accounts that will be included in the application are those that you own. If you need an account added, please contact us.

Q. I opened a new account but it isn't showing on my list of accounts on the app?

A. New accounts will be visible the next banking day after the account is opened. Additional accounts can be added by notifying the bank at 877-358-6554.

Q. Can I see images of checks that have cleared my account?

A. Yes. Transactions that have images are notated with a gray bank icon in the bottom left hand corner of the transaction box. Choose the transaction to view the image.

Q. Why are the accounts on my Murphy-Wall mobile banking app different from my Online (Internet) Banking Service?

A. After you sign your Electronic Banking Agreement your accounts must be Internet­ Enabled at the bank. If you are an owner or a signer on an account, you may request to view the account from Online (Internet) Banking or your mobile app. Some accounts, based on type, ownership, laws and regulations, or other restrictions may not be viewable or may not allow transactions.

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

A. Transfers submitted through mobile banking are immediately reflected in the account’s available balance.

Q. 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?

A. Transfers must be made before 5:00 p.m. CST on business days for the funds to be posted to the current balance. Current balance is what is used for paying debit items during the nightly update. Transfers to any account made after 5:00 p.m. CST on a business day or on a Saturday, Sunday, or bank holiday, will not be used for paying debit items during the nightly update. They will appear as pending item(s) but will post with the next business day’s date in the account transaction history.

Q. What types of accounts can I transfer from or to?

A. You may transfer to or from any of your linked Murphy-Wall accounts unless they are restricted by regulation or by type. If you have a question about your ability to complete a transfer, please contact us.

Q. What if my future dated transfer falls on a weekend or non-business day?

A. Future dated transfers will be processed on the prior business day.

Q. I can see my loan; can I make my loan payment through Mobile Banking?

A. Yes. You may make loan payments from your Online (Internet) Banking service or from Mobile Banking. We also offer auto payments for your loan. For assistance, please contact us.

Q. Can I cancel a transfer?

A.Future-dated transfers can be canceled prior to 9:00 p.m. CST on the business day prior to the date the transfer is scheduled to be made.

Q. I just made an account transfer and cannot cancel it, why?

A. A “same-day” account transfer cannot be deleted (only those future-dated). To cancel the transfer you can either contact the bank or transfer the money back.

Q. Is Bill Pay available on the Mobile App?

A. You still have full access to Bill Pay, both from Online (Internet) Banking Service and via the Murphy­ Wall Mobile App. You must register for Bill Pay from the Online (Internet) Banking Service. If you are currently charged for Bill Pay from your Online (Internet) Banking Service, the fee will continue to apply even if you use the mobile app. You may set up payees on both your mobile app and your Online (Internet) Banking Service.

Q. Can I cancel a Bill payment?

A. Bill Pay payments can be canceled prior to 3 p.m. CST on the processing date.

Q. Where do I find the features for my debit card?

A. On the menu bar, click MANAGE CARDS to access debit card features.

Q. Why can't I see certain debit cards?

A. Remember, the mobile app provides access to cards based on account/card owner of the registered user of the app. The user registered to the mobile application will be able to see their cards only.

Q. How does the on/off feature work for debit card transactions?

A. You are able to deactivate your debit card when it is not being used. When you are ready to use it, log in and reactivate it. This feature will reduce fraudulent transactions if your card is lost, stolen, or compromised.

Q. How does the on/off feature affect recurring debit card transactions?

A. If you have recurring transactions set up on your debit card (i.e. gym or tanning memberships) these transactions will continue to process even if your debit card is deactivated.

Q. What happens if I lose my debit card?

A. Call the bank immediately at 877-358-6554 or call 800-264-4274 extension 19410 after hours to report a lost or stolen debit card. We will cancel the card and provide instructions for reissuing a new one. If you are using our mobile app, you can deactivate your card the moment you realize it’s been lost or stolen.

Q. How can I use the app to monitor account activity?

A. There are a number of security alert features available in the app to help you monitor transactions made using the mobile app. These can be activated by going to the “Menu” icon. Select “MANAGE ALERTS”. The alerts are sent to users by email, so you’ll need to enter the email address you would like to use to receive alerts. Security Alerts available include: Primary Email Address Changed, Password Changed, Security Question/Answer Changed, Security Greeting Changed and Login Error. Bill Pay Alerts available include: Payment Scheduled Greater Than a Specific Amount, Payee Deleted, List of Transactions That Are Scheduled to Process, List of Transactions That Were Paid, Recurring Payment Processed and Payee Added. Custom Alerts may also be created and managed.

Q. Can I change my primary account?

A. Yes. You can change which account is viewed first on your mobile app by using the SETTINGS button in the app and choosing REORDER ACCOUNTS. Your primary Bill Pay account is established and managed through the Online (Internet) Banking access to Bill Pay and is not an optional setting in our mobile app.

Q. What should I do if I lose my phone?

A. If you think your phone has been lost or stolen, call the bank at 877-358-6554 or 618-357-5373 and we can deactivate your mobile app account.

Q. I deleted the old version of the Murphy-Wall mobile app, but now I see two apps in Google Play. Which app do I choose?

A. Before downloading either app, please verify that the old version has been completely deleted from your Android phone. You may need to go into your Apps and drag the Murphy-Wall app to the Recycle Bin to finish the uninstall process. Once the app has been deleted, you will only see one Murphy-Wall app offered by Computer Services Inc. in the Google Play Store. You may then download the updated app.

Kasasa FAQs

Click Here to learn more about Kasasa with our FAQ's

Q. What is Kasasa®?

A. On an everyday level, Kasasa is free checking that rewards you each month for doing simple things you might already do. “Simple” as in banking basics that actually save you time. Like choosing e-statements over traditional paper statements, or swiping your debit card at checkout instead of writing a check. Originally published on the Kasasa blog.

Q. How does a free Kasasa checking account reward you?

A. Well, that depends on your Kasasa account. You could get paid really high rates (way above the national average), cash back on debit card purchases, or even refunds on your iTunes® & Amazon® purchases. How you get rewarded is up to you. But every Kasasa checking account lets you earn refunds on ATM fees, nationwide – and that’s on top of the reward you choose. Overall, free Kasasa accounts have paid over $100 million in rewards to people just like you. And counting. Originally published on the Kasasa blog.

Q. Can I still write checks?

A. Yes, you can still write checks.

Q. What is a Monthly Qualification Cycle?

A. The period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Murphy-Wall State Bank provides your Kasasa Statement every 3rd Wednesday of the Month. The Kasasa Qualification Cycle ends everything 3rd Tuesday of the Month. View our 2016 Qualification Cycle dates.

Q. What is Kasasa Saver?

A. Kasasa Saver works like a savings account in that it’s designed to encourage better saving habits. For those concerned about how to save money, this account takes out some of the extra effort and makes it part of an intuitive process. Must be tied with Kasasa Cash or Kasasa Cash Back.

Q. What is APY?

A. APY stands for “annual percentage yield.” You know the interest rate of a checking or savings account makes a difference to how much money your account makes you, but understanding the APY of that account gives you an even clearer picture of the money you’ll be earning.