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Internet Banking FAQs
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Three incorrect login attempts will lock you out of your account.
You cannot re-use your previous three passwords.
After nine minutes of inactivity, the system will pop up a message asking if you want to continue working in Internet Banking or log out. If you do not respond to that message within one minute, you will be automatically logged out.
Closed accounts will stay on the account list for 180 days after the account was closed.
No, the account nicknames do not carry over. You need to manually change them in both Internet Banking and Bill Pay.
Yes, on the My Internet Banking page, click the box next to “Set as Start Page.”
bank@winonanationalbank.com
Yes, this is an event alert for Insufficient Funds (NSF). We suggest setting up a Balance Alert as well. This will send you an e-mail when your account balance goes below a certain amount. That way you can avoid the overdraft.
Text message alerts are only available in the Bill Pay system at this time. Account balance alerts are only available by e-mail or at login.
Yes, this is an event alert for ACH deposits. It will alert you to any direct deposit made into your account. There is not a way to have it alert for only Social Security.
No, these columns are specifically set up to accommodate the information in each column and cannot be changed.
Some automatic deposits or payments generate a reference number. This is something the bank might use when investigating an issue.
No, each stop payment is for one specific check number.
18 months of statements are available within Internet Banking. 


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Bill Pay FAQs
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Bill Pay is a payment option that allows you to pay virtually any person or any company through your Internet Banking account. You determine who you want to pay, when you want to make the payment, and the account you want the payment to come from.
If sending to a company: you need the company's payment mailing address and your account number.

If sending to a person: you need their name and postal mailing address (for the Bill Pay check option), OR their e-mail address (for the Bill Pay direct deposit option).
No, only checking accounts can be used as Pay From accounts.
The cut off time is 2:00 p.m. CST. Bills scheduled to be processed on that date will be processed and sent off. If it is after 2:00 p.m., your date options will be set to the next day as the soonest it can be processed.
If it is after 2:00 p.m. CST, your bills will not be processed until the following business evening.
$9,999.99 for personal users. $99,999.99 for Cash Management users.
You can edit a payment if it hasn’t processed yet. If the payment shows in the Scheduled Payments section and has an “edit” option, you can change it. Once a payment has processed, it cannot be changed.
When selecting the date, you will be shown the Estimate Arrival Date. Be sure that date is a day or two prior to your bill’s due date. Keep in mind this date is only an estimate. There are factors outside of the Bill Pay system that could slow the payment down.
No, this will simply stop the payment from being sent.
No, the account nicknames do not carry over. You need to manually change them in both Internet Banking and Bill Pay.
Yes, e-mails can be set up under the Options/e-Notifications menu. You can also have a text message sent.
If you have automatic payments set up outside of the Bill Pay system (you worked directly with the company to have them take out the payment), you will not be able to see these in the Bill Pay system. You will only be able to see them in your transactions listing in Internet Banking once they have come out of your account.
Yes, if the company is part of the eBill system. Click here to view our eBill User Guide for more information.
You may choose to have the eBill payment require you to go in and tell it to pay or have the eBill automatically paid when it is received by the Bill Pay system. The amount of control is up to you.
There is no charge to use the Bill Pay transfer feature to move money between your Winona National Bank account and other institutions.
The funds could take 2-3 days to arrive, depending on the time of day and day of the week when you are initiating the transfer.
The $2.99 fee will be deducted from your account immediately. The amount of the gift check will be deducted when the check clears your checking account. That depends on how long the recipient waits to cash the check.
No, all of the help options within Internet Banking and Bill Pay are free. As always, you can also call Winona National Bank directly at 507-454-8800 during regular business hours.
If you have the Routing Number and Account Number of the person you are paying, you can set up a direct deposit. Select "Pay a Person" then select "Direct Deposit (Electronic)." Fill in the required information to finish and send payment directly to their account. The payment may take 1-2 business days. 


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General Bank FAQs
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YES! Winona National Bank offers customized financial solutions to fit all of your needs. In addition to traditional banking services, we offer retirement, trust, and investment options through our Trust Department.
If you already have an account with us, you will need to provide our routing number and your account number to the organization that will be making the deposit. Your account number can be found on your original account papers or on your checks or deposit slips.

Our routing number is: 091900216

If you have additional questions or need more information, please contact one of our Personal Bankers at (507) 454-8800.
Please visit our rates page to view our current rates.
If you prefer to have account statements mailed to you through postal mail, you can continue to receive them in this manner.
Estimate your FDIC insurance with EDIE the Estimator at www.FDIC.gov/edie.


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