Digital Banking User Guide

An In-Depth How-To

NDBT’s digital banking platform includes both online and mobile banking. Get started and refer back often!

Digital Banking User Guide

If you need further assistance, please contact us at 972.716.7100 or customer.service@ndbt.com.

Getting Started

Access your accounts via desktop, tablet, or mobile devices anytime, anywhere.

For an optimal experience, make sure your devices are using the most updated versions of software available.

  • Browser Support – Make sure your browser is within the latest 2 versions (Safari, Chrome, Edge, Firefox). Please note, Internet Explorer 11 does not support online banking and standards that are implemented in newer browsers.
  • Device Support –
    • Windows: Versions still supported by Microsoft & support a browser listed above
    • OS X: Versions still supported by Apple & support a browser listed above
    • Android: Version 9.0+
    • iOS: Last 2 major releases

If you have an account with us, but are new to digital banking, it is easy to get started.

First navigate to our website and click register. You will then be prompted to verify protected information that matches the information on your account. You will then be prompted to accept the disclosure for Digital Banking Access and enter your social security number.

Then you will be required to create a username and password. To keep your username and password secure, we have specific requirements.

Username RequirementDefaultPassword RequirementsDefault
Minimum Length8Minimum Length12
Maximum Length15Must include a Number Yes
Allow Alpha CharactersYesMust include a Lowercase LetterYes
Allow Numeric CharactersYesMust include a Lowercase LetterYes
Allow Special CharactersYesMust include a Non-AlphanumericYes

Ensure your contact information is correct and updated to finish your registration.

If you already have a username for online banking, your username will remain the same for the new platform. Simply enter your username and old password and click login. This will generate a one-time temporary passcode that you will receive via SMS, voice, or email.

After you enter the one-time temporary passcode, you will receive a prompt to reset your password. Your new password must meet the minimum requirement listed in the First Time, New Users section above.

Home (Dashboard)

The home dashboard provides immediate access to features you will likely use the most, requiring fewer clicks to perform financial tasks online.

Here is a high-level overview of the summary dashboard from a desktop view.

  1. Accounts are grouped by Account Type Class (e.g., Checking, Savings, Loans)
  2. View External Accounts from other Financial Institutions
  3. Activity Modules provides a quick glance of recent and future activities

Screenshot showing Home Dashboard page of digital banking site

Profile

Profile includes the ability to view, update and manage settings that are applicable to your account and overall online banking experience.

You can navigate to Settings by clicking on the drop-down menu under your name

  • Profile: allows you to enter profile information, such as Nickname, Time Zone, profile picture, and view your recent login activity
  • Security: allows you to view and edit security details, such as Username, Password, and Two-Factor Authentication, and maintain your authenticated devices
  • Contact: allows you to make modifications to contact info, including Address, Phone Numbers, and Email Addresses
  • Accounts: allows you to configure account color and nickname, display order, or hide accounts from display; you can also request access, confirm, or delete external (ACH) accounts
  • Shared Access: allows you to share one or many of your accounts with another user and determine their level of view-only access.
  • Authorizations: allows you to view and revoke access to authorized devices

Screenshot showing Profile Settings

Categories Overview

Information within the navigation menu categories located atop the dashboard help you quickly and seamlessly find features and tools.

This guide will show the default layout for the dashboard navigation.

CategoryWhat’s Inside?
AccountAccount: Gain a comprehensive view of your account details and transaction history
Alerts: Receive and customize notifications regarding your account and digital banking profile
Card Alerts: Obtain real time information about activity on your debit card, with the added ability to turn the card off and on
Checking Services: Stop payment on a check and reorder checks
Secure Forms: Fill out and securely submit a custom NDBT form
Message Center: Securely send, receive, and reply to messages directly with NDBT
Apply for Mortgage Loan: Apply for a variety of mortgage products directly with the NDBT Mortgage division
Apply for Personal Loan: Apply for a variety of loan options with uniquely personalized service and streamlined lending processes
Pay & TransferTransfers and Payments: Perform an immediate transfer of funds, pay loans, schedule future or recurring transfers, link internal or external accounts
Add External Account: Add your account from another financial institution for money transfers
Bill Pay: Make a payment, manage the payee’s information and details, add payees, and view the payment history or scheduled activity and manage eBills
Send Money with Zelle: Send money real time to another user without needing their bank information
DocumentsDocuments: View documentation related to your accounts (statements, tax documents, etc.)
AppointmentsDallas Banking Center: 12900 Preston Road, Dallas, 75230
Addison Banking Center: 5150 Keller Springs Rd, Dallas, 75248
Frisco Banking Center: 7359 Preston Rd, Frisco, 75034
Plano Banking Center: 3900 Preston Rd, Plano, 75093
Las Colinas Banking Center: 7660 N MacArthur Blvd, Irving, 75063
GoalsSpending: Create and manage income and expense thresholds
Saving Goals: Create, manage, and track progress on your savings goals
Financial Health: Take a survey to understand your financial health score

Secure Message Center

Your privacy is our top concern. Securely send sensitive information (i.e. account number, personal information) through Message Center.

Access the Message Center by clicking the envelope icon by your profile. You will be notified on the icon if you have any unread messages.

Screenshot showing location of Message Center

To compose a new message:

  1. Click the Compose button on the Inbox tab of Message Center.
  2. Select the message Subject from the dropdown menu.
  3. Select the Account the message refers to from the dropdown menu.
  4. Enter the Message body and select the Attach Files link to attach files to the message
  5. Click the Send Message button to send the message or click the Cancel button to close the New Message window without sending the message.

Screenshot showing steps for composing a message in message center

To respond to a message:

  1. Select the message thread to respond to. View the messages within the thread.
  2. Enter a Message response.
  3. Select the Attach Files link to attach files to the message.
  4. Click the Send button to send the response.

Screenshot showing how to respond to a message

You have the ability to mark a message thread as unread, read, or delete a message thread.

  1. Click the Edit link to view the message actions.
  2. Click the checkbox next to the message threads to act on.
  3. Click the delete (trash can) button to delete the message threads.

Screenshot showing message actions

Click the unread (envelope) button to mark the message threads as unread; click the read (open envelope) button to mark the message threads as read.

The Sent tab allows you to view and delete messages that have been sent.

Screenshot with example of sent message

Pay & Transfer

Process transfers and loan payments, both one-time and recurring; schedule, edit, and delete from either desktop or mobile.

The Make a Transfer tab allows you to perform one-time immediate, scheduled, and recurring transfers as well as loan payments and credit card payments. Transfers can be done with internal and/or external accounts, but at least one of the accounts (to or from) must be an internally held account. In addition, the user can do a single transfer or a multi-transfer from the Templates tab.

  1. Select the account you want to transfer From.
  2. Select the account you would like to transfer To.
  3. Enter the Amount to transfer or select from the list of convenient predetermined accounts.
  4. Click the Review Transfer button. An Identity Verification may be required to verify your identity, then click the Verify button.
  5. After reviewing the details of your transfer, select Submit Transfer. A success message will display, confirming your transfer is complete.

Screenshot showing how to Add a Transfer account

Link another user’s account using the following criteria:

Adding an Internal Account

  1. Select Add An Account from the More Actions dropdown menu.
  2. A drawer will open asking for the account details you would like to add. Select to send money to another NDBT customer.
  3. There is a checkbox option to save the account for future use, causing it to show up again in the To dropdown. Or you can leave the box unchecked if it is a one-time transfer.
  4. You may receive an automated SMS, voice or email with a code to confirm your identity.

Adding an External Account

  1. Select Add An Account from either the To or From dropdown menu.
  2. A drawer will open asking for the type of account you would like to add. Select Instantly Add External Account and be ready to sign in with the credentials you use for that external account. Or you can select Manually Add External Account. With that option, the next screen will allow you to add the details of the external account.
  3. Once the user has submitted a request to add an external account, the digital banking platform will make two ACH microdeposits (trial deposits) into that account.
  4. An Actionable Alert will appear at the top of the user’s dashboard to confirm the pending external account. The end user will click Confirm and enter the dollar amounts of the two ACH microdeposits.
    1. A user has three submission attempts to confirm.
    2. If unsuccessful after three attempts, the status of the pending external account will change to Suspended.
    3. Only an NDBT platform admin can change the external account status when suspended.
  5. After a few days, the account should show within the Accounts widget, however it can take 10-14 days to complete the entire process.

Screenshot showing how to Transfer to an external account

Submitting a Transfer on a Loan

If a loan is chosen for the To account, the various payment options will appear for that loan when you select Payment Type. There can be an option to display due dates for loans to end users if the due date that is synced from the core is the current date or a date in the future.

Memo for Transfers

An optional memo can be added to any transfer. This can be used to enter specific information about the transfer that you may want to record for future reference. This information will be stored and displayed for reference purposes in the Scheduled and Activity tab under the transfer activity.

The Templates tab allows a user to create several transfers From or To a specific account. They will set the transfers up on the Template tab, then they will have the option on the Make a Transfer tab to do a single transfer or a multi-transfer using the template they created.

Screenshots showing examples of creating templates for transfers

Linking Accounts

Create a one-time or permanent link to another user’s account to make one-time and recurring transfers to that account.

Adding accounts from other financial institutions makes it convenient for users to view their assets and liabilities in one place. Select the Settings under your profile drop down.

  1. Select the Accounts tab from Settings.
  2. Click the Link an External Account button.

Screenshot showing how to link an external account

Select the Add an External Account to View its Balance option. If it is your first time, you will see an informational screen to guide you through the step-by-step process.

                   Screenshot showing the informational screen for adding an external account

After the platform displays a success message to confirm the external institution was successfully added, it will begin the process of retrieving account details such as name, balance, or type and reading transactions.

You will see your account details and transactions in the Accounts or Home widgets after sixty seconds or less.

Bill Pay (coming soon)

Within BillPay, click the Add Payee button. In the pop-up box, select Business and click Next. Enter the Name of Business, the Zip Code, select a Default Funding Account, and click the Next button.

Within BillPay, click the Add Payee button. In the pop-up box, select Person and click Next. Enter the payee’s Address, Phone Number, Nickname, and click Add Payee. Please note, duplicate payees will only be rejected if the nickname, account number, and address are all the same.

The Make a Payment tab allows you to schedule single and recurring payments to the selected payee. Once the payment is submitted, you will need to Confirm and Submit Payment.

In Bill Pay, utilize Manage by clicking the Edit (pencil) icon in the Payee Information or Sender Information and Save the changes. To Delete a Payee, click on the Delete Payee link and select the Delete Payee button.

MultiPay can be used to pay several payees all in a single transaction, but it can also be used for single payments. The MultiPay tab does not allow you to set up recurring payments (for recurring payments, these must be scheduled in the Make a Payment Tab).

  1. To pay multiple bills using MultiPay, check the checkbox next to the payee name.
  2. Under Selected Payees, select the appropriate account to Pay From, enter the Amount, and select the Date to Deliver by.
  3. After this is completed, you will receive an option to cancel or Confirm Payment. A Multi-Factor Authentication (MFA) verification may be required.

Check Services

Check Services should allow you to stop a payment and reorder checks.

To place a stop payment request:

Click the New Stop Pay Request button, and the Add a Stop Payment Request window will display.

Screenshot showing New Stop Payment Request process

 

  1. Click the Account dropdown menu and select the account to place the stop payment on.
  2. Enter the Check # to place the stop payment on.
  3. Enter the Amount the check was written for.
  4. Click the Search button to search for transactions that have cleared the account selected and match the transaction details entered.
  5. Enter the Payee Name the check was written to.
  6. Enter the reason for the stop payment. If applicable, enter the replacement check # and date.
  7. Check the I Agree checkbox to acknowledge the Stop Payment Policy.
  8. Click the Submit Request button to submit the stop payment request. A message will display indicating the stop payment request was successful. Payment requests that have been placed will display on the Stop Payment tab. Or click the Cancel button to close the Add Stop Payment Request window without submitting the request.

Screenshot showing the Add Stop Payment Request process

Reorder Checks is used to submit requests for checks.

  1. Select Reorder Checks within Check Services.
  2. You will be prompted to select an appropriate account if multiple qualifying accounts are found.
  3. Enter the check address.
  4. Enter the shipping address.
  5. If you have not previously used this feature to reorder checks, you will be prompted to enter the next starting check number for your order.
  6. Enter the number of boxes.
  7. Once the information is filled in, select Reorder Checks.
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Email messages are not always secure. We are not responsible for the confidentiality of communications sent to us via email. Generally, our security software does not encrypt email messages, unless we specifically send you a message via ShareFile. Email messages traveling across the Internet can be subject to viewing, alteration and copying by anyone on the Internet. Always exercise caution when submitting financial or personal information via email. Existing customers should always send confidential information through the secure portal located inside of their online banking session.

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