Business - Online & Mobile Banking Upgrade

Business
Online Banking & Mobile Banking System Upgrade
July 2026

 

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Upgrade Timeline & Service Availability

 
First Citizens State Bank will be completing an upgrade to its business online banking platform beginning Monday, July 27^th, at 6 PM, with full access to the upgraded platform expected by Wednesday, July 29^th at 9 AM.
 
During this period, access to certain business banking services will be temporarily unavailable. We strongly encourage reviewing the information below to plan ahead for any time-sensitive activity.
 
MONDAY JULY 27^th, UPGRADE BEGINS
As the upgrade process begins, business online banking services will become unavailable beginning at 6 PM Monday, July 27^th.  ACH, Wires, Positive Pay, and Remote Deposit Capture will NOT be available.
 
MONDAY & TUESDAY, JULY 27^th & 28^th, UPGRADE IN PROGRESS
The system upgrade will continue Monday evening through Tuesday. Business online banking access will remain unavailable during this period. No inquiries or transactions can be completed online.
 
WEDNESDAY, JULY 29 – ACCESS RESTORED
Access to business online banking is expected to resume by 9 AM on Wednesday, July 29^th. Once access is restored, you can log in to the updated platform.
 

Plan Ahead

 
To avoid delays, please ensure any critical activity is completed prior to the start of the upgrade window.
 
This includes payroll, vendor payments, wire transfers, and deposit activity that must be processed before Monday, July 27^th. Debit card transactions will continue to process during the maintenance period.
 
If you have an urgent transaction on Monday, July 27^th, please call the Cash Management Team at 262-427-1641 or email cashmanagement@firstcitizensww.com. Our Team will be available to assist and provide guidance during the upgrade.
 

How to Prepare for the Upgrade

To perform the upgrade, Business Online Banking will be disabled from 6 PM on Monday, July 27^th, through 9 AM on Wednesday, July 29^th. You will not be able to perform any transactions during this time or view your account information. Any scheduled/recurring Transfers, ACH, or Wires scheduled will process as expected, as long as they were in a PROCESSED status prior to 4PM on Monday, July 27^th. If you need to interact with your account during this time period, please contact the bank at 262-473-2112.

Please read further for need-to-know information that will help ensure a smooth transition during and following the upgrade.
Included in this section:

• Before the upgrade begins
• What will and will not transfer
• Settings that may need to be re-established
• First time login
• Soft Token users
• Hard Token users
• ACH participants and templates
• Wire payees and payment options
• ACH & Wire approvals
• Remote Deposit Capture (RCD) customers
• Positive Pay
• Quickbooks/Quicken users

 

Before the Upgrade Begins

 
If applicable, please complete the following steps:

• Complete any critical payroll, ACH, wire, or vendor payments prior to the upgrade window beginning Monday, July 27^th.
• Save any ACH batch history and Wire Transfer History before Monday, July 27^th.
• Review and save details for recurring or future-dated ACH and wire payments that will need to be reestablished after the upgrade.
• Prior to the upgrade, due to the upgraded online banking platform not supporting the Copy feature, please create ACH templates for each unique file. Please ensure that you have all your payee and payment information stored outside of online banking as well.
• Save any frequently used one-time ACH transactions as templates before Monday, July 27^th.
• Confirm that we have your current mobile phone number on file prior to Monday, July 27^th, 2026, to ensure a smooth first-time login experience.
• Be prepared to complete the One-Time Password (OTP) verification and Token Re-Enablement process (if applicable), when logging in for the first time after the upgrade.
• If you currently use the “DigiPass for Business Banking” app, it will no longer be used after the upgrade. Download the new Token app after the upgrade if you initiate ACH or Wire transactions, or complete Remote Deposits:
  • “FI DigiPass” for Apple Devices
  • ​​​​​“DigiPass” for Android Devices
• Detailed instructions for token setup will be provided with a Soft Token Enrollment Guide.
• For Quicken or Quickbooks Direct Connection Users Only: this upgrade will require you to make changes to your QuickBooks or Quicken software.
  • July 27^th: A data file backup and a final transaction download should be completed before this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade.
  • Prepare for July 29^th: This is the action date for the remaining steps for the connection. You will complete a deactivate/reactivate of your online banking connection to ensure you get your current Quicken or QuickBooks accounts set up with the new connection.
    • Intuit aggregation services may be interrupted starting on July 27^th for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage.

  

What Will & Will Not Transfer

As we transition to our upgraded Business Online Banking platform, most of your information and services will move seamlessly to the new system. Below is an overview of what you can expect.
 
What WILL Transfer

• Account transaction history
• Recurring and scheduled internal transfers
• ACH Templates
• Wire Payees
• eStatement preferences
• Remote Deposit Capture (RDC) settings
• Positive Pay settings
• User access and entitlements

 What WILL NOT Transfer

• ACH batch history
• Recurring and future-dated ACH payments
• Recurring and future-dated wire payments

Please ensure any necessary templates or historical records are saved prior to conversion.

Recurring ACH and Wire payments will need to be reestablished once the upgraded system is live. We recommend saving any frequently used transactions as templates moving forward.

Settings That May Need to Be Re-Established

While most of your services will transfer, some personalized settings may need to be set up again after login, including:

• Account alerts
• Card controls
• Notification preferences

First Time Login

When logging in for the first time after the upgrade, you may notice the following updates:

• We have added a new and improved security feature for the logins. When signing in for the first time you will be prompted to verify yourself using a One Time Password (OTP) sent to you via text, phone call, or email. Please ensure we have your current mobile phone number and email address on file by Monday, July 27th, to ensure a smooth, first sign on.
  • You can review the contact email and contact phone number we have on file for you via your current online banking access. Once signed into your online access, click on Profile in the upper right-hand corner. The Profile screen will load. Click on Edit for Email and for Phone and review the email address and phone numbers entered. If both entries match your current information, click Cancel. If either need to be updated, update the information and click Save.
  • If you complete any changes, please also notify the Bank of these changes at 262-473-2112 or at customerservice@firstcitizensww.com, to ensure our core system is updated as well. 
• Our new login page supports both personal and business accounts. You will no longer select a separate “Business” button when signing in.

 
First Time Login Steps:

• Enter your existing Username and password.
• Verify your identity using a one-time code sent to your mobile phone or email address.
• Follow the on-screen prompts to complete the updated login and security setup process.

• As noted previously, users who currently utilize the “DigiPass for Business Banking” app with their logins, will be prompted to complete setup of the new “FI DigiPass”/”DigiPass” app. Details are provided in the Soft Token Users section below.

• Hard Token Users: You will be prompted to enable your token. Note – you will no longer use a PIN. You will use your Username, Password, and Token Code.

As mentioned earlier, please ensure we have your current mobile phone number on file prior to July 27^th, 2026, to avoid delays during first login.

Soft Token Users

• On July 29^th, you will log in with your username and password (click FORGOT PASSWORD if you do not remember your initial password).
• Once entered, you will be prompted to receive a One-Time Passcode (OTP) that will be sent to you via text, phone call or email. Enter this code to continue. Once established, an OTP prompting may not occur with every log in.
• You will then be prompted to download a new DigiPass application from your app store. Please download the app and follow the prompts on the screen to set up your new DigiPass app. Once you have logged in with the new DigiPass app, you can delete the old app to avoid confusion.
• PLEASE NOTE: After initial login, all Soft Token users will log in with a username and password + the One-Time Passcode from the DigiPass app – there will no longer be a 4-digit PIN entry. You will also be prompted to enter the One-Time Passcode from the DigiPass app every time you initiate an ACH or Wire transfer.

What to Expect for Soft Token Enablement

• The new FI DigiPass/DigiPass app will need to be downloaded from your app store.
• Enrollment takes approximately five minutes.
• Setup requires access to both your computer and mobile phone.
• Enrollment will be available beginning Wednesday, July 29^th, 9 AM and cannot be completed prior to the system upgrade.

For detailed, step-by-step instructions, a Soft Token Enrollment Guide will be made available.

Hard Token Users

• On July 29th, you will log in with your username and password (click FORGOT PASSWORD if you do not remember your initial password).
• Once entered, you will be prompted to receive a One-Time Passcode (OTP) that will be sent to you via text, phone call or email. Enter this code to continue. Once established, an OTP prompting may not occur with every log in.
• You will then be prompted to enable the Hard Token. 
• PLEASE NOTE: After initial login, all Hard Token users will log in with a username and password + the One-Time Passcode from the Token – there will no longer be a 4-digit PIN entry. You will also be prompted to enter the One-Time Passcode from the Token every time you initiate an ACH or Wire transfer.

 
What to Expect for Hard Token Enablement

• Enrollment takes approximately five minutes.
• You will no longer use a PIN - just your Username, Password, and Token Code.
• Enrollment will be available beginning Wednesday, July 29th, 9 AM and cannot be completed prior to the system upgrade.

 

ACH Participants & Templates

To improve consistency and reduce the need to update the same recipient information in multiple places, ACH payments are now supported by a centralized ACH Participant list.
You can think of ACH Participants as your ACH address book — a master list of recipients that can be reused across multiple templates and payments.
Existing ACH templates will migrate to the new system. However, templates will now reference participants from this centralized list rather than storing recipient details within each template.
 
This means:

• Add a participant once and reuse them across multiple templates;
• Update a participant’s information in one place;
• Changes automatically apply everywhere a participant is used.

Templates will continue to be used for recurring payments, payroll, vendor batches, and other ACH activity — but recipient management is now streamlined through the Participant list.
Once in the new system and prior to initiating a new ACH, please review templates, participants and offset account(s).
 
Things to Remember:

• Recurring and/or future dated ACH payments will not be migrated over to the new system. Recurring and future ACH payments will need to be set up again. We recommend when initiating a file in the current system, using the “Save as Template” option.

• Create ACH templates for each unique file since the upgraded online banking does not support the Copy feature.
  • Please ensure that you have all your payee and payment information stored outside of online banking as well.
• ACH history will not be migrated. We encourage you to download file history from ACH Manager prior to July 27^th for your records.

Wire Payees & Payment Options

Wire payments are now organized by payment type, with recipients managed in a centralized Wire Payee list. This updated structure replaces the previous wire template function and streamlines the wire process by separating recipient management from payment initiation. By storing wire payees in one centralized location, updates can be made once and reused, reducing repetitive data entry and improving efficiency.

Existing wire templates will migrate to the new system and will be saved as Wire Payees. This means your beneficiary information will migrate and be stored in your centralized payee list.

You can think of your Wire Payee list as an address book — a place where your saved wire recipients are stored in one centralized location for easy reuse. When initiating a wire, you will now select the appropriate funding account from your available account list at the time of payment.
 
Instead of re-entering beneficiary details or using traditional wire templates, you will:

• Add and save recipients once in your Wire Payee list;
• Select saved payees when sending Single Wires;
• Send Multiple Wires to saved payees in a batch-style format;
• Use One-Time Wire when sending to a recipient not saved in your payee list.

Once in the new system and prior to initiating a new wire, please review templates, payees and offset account(s).
 
Things to Remember:

• Recurring and/or future dated wire payments will not be migrated over to the new system. Recurring and future wire payments will need to be set up again.
  • Please ensure that you have all your payee and payment information stored outside of online banking as well.
• We recommend reviewing the wire information, such as Beneficiary, Beneficiary Institution, Receiving Institution, and any additional wire information you have.
• Wire history will not be migrated. We encourage you to download file history from Wire Manager prior to July 27^th for your records.

ACH & Wire Approvals

ACH and wire transactions that require approval are now organized within their transaction activity screens in Business Online Banking and the mobile app.
To locate pending items:
 

• Wire Approvals: Navigate to Wires → Wire Activity
• ACH Approvals: Navigate to ACH → ACH Activity

From the activity screen, you can view transaction details, monitor status, and approve or reject items as needed.

Remote Deposit Capture (RDC) Customers

• You may be required to download drivers again.
  • If you get any error messages when trying to complete your first deposit following the upgrade, please contact us at 262-427-1641.
• RDC history will not be migrated. We encourage you to download any reports prior to July 27^th, for your records.

Positive Pay

 
Positive Pay functionality remains the same — it has simply moved to a new location within Business Online Banking. You will now find Positive Pay under Accounts on the Menu Bar drop down as Positive Pay, in both the desktop and mobile app.
 
All existing Positive Pay features and processes remain unchanged.
 

QuickBooks/Quicken Users

•  This upgrade will require you to make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition.
• A data file backup and a final transaction download should be completed before July 27^th. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade.
• On July 29^th, you will then disconnect and reconnect your Quickbooks account all in one session.
• NOTE: Exporting online banking transactions to QuickBooks/Quicken may be unavailable for approximately 3-5 days after we upgrade our online banking system.

 
Quickbooks Online Conversion Instructions
⚠️ Important: Action Required before July 27^th

• Match, add, or exclude transactions as needed until the queue is clear

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⚠️ Important: Action Required on July 29^th
Reconnect Your Bank Account in QuickBooks Online
We are updating the connection used for online banking downloads in QuickBooks Online. To continue receiving transactions without interruption, you will need to disconnect and reconnect your bank account on our go live date – July 29^th.
This can be done all on the same day and will not affect your existing transactions or balances in QuickBooks.

WHEN TO DO THIS
Please complete the steps below on July 29^th, during one session in QuickBooks Online.

• Do not disconnect early
• Complete the disconnect after your final download
• Reconnect immediately

 

• If QuickBooks prompts you to search for your bank, select the bank under the new connection and sign in using your online banking credentials.
• Confirm the correct account mapping before completing the connection.

• Your bank account will be reconnected successfully
• Future transactions will download as normal
• Your historical data will remain unchanged

⚠️ Helpful Tips for Disconnecting/Reconnecting

• Complete steps in one session on go live day
• Do not select “Add New Account” unless instructed
• If you manage multiple accounts, repeat the steps for each one

 
If you run into issues or see duplicates, QuickBooks Support can help — or contact us for additional guidance.
 
 
We are excited to bring you this upgraded, more efficient, and streamlined system and appreciate your efforts to follow the preparation steps above.  Please contact us if you have any questions or need assistance with any of the actions.