MononaBank Online

MononaBank Online

Our most comfortable location is right in your home or office.

Our Branch in Your Home

With MononaBank Online, you can access your Monona Bank accounts right from your computer, anywhere, anytime! This service is truly our branch in your home! If you have a Checking, Savings, CD or Loan account you can take advantage of this secure, convenient way to bank. For even more convenience, take advantage of our optional bill payment service.

Before enrolling in MononaBank Online, please click here to review our Online Banking Agreement & Disclosure Statement and our Online E-Sign Agreement.

Sign up for Online Banking Today!

With MononaBank Online You Can:

  • Access checking, savings, loan, CD and consumer credit card accounts.
  • View and print up to 15 months of deposit account history or 45 days of credit card history.
  • Transfer money between your accounts.
  • Make one-time or recurring loan or credit card payments.
  • Schedule recurring transfers.
  • Monitor cleared checks.
  • Export account information to financial software and spreadsheet programs.
  • Enroll in our optional Bill Pay Service and pay bills online with the click of a mouse.
  • Sign up for account alerts and receive text or email account updates.
  • And more!

To review MononaBank Online system requirements click here.

MononaBank Online Bill Pay Service

Imagine paying all your bills with a single mouse click or the tap of a finger! No writing checks, buying stamps or licking envelopes. Your baby-sitter, phone company and other bills can all be paid in just a few minutes online. To keep you organized, we even offer record keeping and reporting features.

There is no charge for bill pay service for our True Advantage Checking clients. All other checking account customers who pay at least one bill per month will have the $3.95 monthly bill pay fee.

Pay Bills Conveniently:

  • Pay bills from your checking account in minutes anytime, day or night online or with your mobile phone or tablet.
  • Save money on stamps and checks.
  • Pay multiple bills on a single screen.
  • Schedule future and recurring payments.
  • Pay an unlimited number of bills.

Pay Anyone:

  • Choose a payee from our convenient payee list to pay a common vendor, like your phone or electric company.
  • Personalize your payee list to include anyone - even your babysitter!

Keep Organized Records of Your Payments:

  • Generate reports of all bills paid to a selected payee, such as your cell phone or credit card company.
  • Set up categories of payments, such as "household", "auto" or "entertainment." Run reports to track your spending in each category.
  • Download payment history to financial software and spreadsheet programs.

Frequently Asked Questions

Q: Can I use MononaBank Online if I only have a savings, loan or CD account?

A: Yes, but that would limit your bill-payment capability, as most savings accounts have a limit on the number of transactions they can support each month. You may not pay bills from a CD or loan account.

If you have a savings account, you may take advantage of automatic enrollment. Follow the steps to enroll today.

If you only have CD or Loan account, you will choose the link for "CD or Loan only" when enrolling. Follow the steps to enroll. You will be able to access your CD and Loan information one business day after enrolling.

Q: Why isn't my account appearing on the Account Summary page?

A: If you opened the account after you enrolled in MononaBank Online, you will need to notify your personal banker to make this account viewable in MononaBank Online. Please call or e-mail your personal banker and let them know you wish to view your account.

If the account you are looking for is a small business account, MononaBank Online may not automatically show the account for security purposes. Since MononaBank Online is designed primarily for personal banking, it doesn't support the naming conventions and special circumstances related to businesses. Call your banker to determine if your small business account can be viewed using MononaBank Online.

Q: How can I get an account to appear in MononaBank Online if I am not the direct owner (for example, I'm a trustee or POA)?

A: Call Monona Bank to learn how to establish permission to view an account you are not the direct owner of.

Q: How many days of account history are retained in MononaBank Online?

A: MononaBank Online retains up to 15 months of deposit account history; longer with e-statements.

Q: Is there a limit to the number of transactions that will display when viewing an account?

A: MononaBank Online will display up to 3000 transactions, well over the number of transactions a typical account user generates. Please note that displaying an extremely high number of transactions at one time may impact the performance of your online banking session.

Q: Can a secondary signer on an account use that account for bill pay?

A: Yes, as long as they have been given entitlement to use that account.

Q: Is Bank Mail encrypted?

A: Bank Mail is not encrypted, but is sent over a dedicated, secure line so it's safe to include sensitive information like account numbers. For your security, do not use your regular e-mail (such as your e-mail at work, Hotmail, Yahoo Mail, etc.) when you wish to include sensitive information regarding your accounts. Bank Mail was designed specifically to provide you with a safe, electronic means to communicate with us.

Q: Can I also enroll and access my business account(s) through MononaBank Online?

A: To enroll your business account(s) in our MSB Business eBanking solution, call our Business Services Suport team at (608) 310-1240 between the hours of 8:00 am and 5:00 pm (M-F) to speak with one of our bankers. Due to the unique security requirements of business accounts, you will need to speak to a banker to set up your business online banking account during regular business hours and cannot utilize our after hours online enrollment assistance feature.

To learn more about our Business eBanking options available, click here.

This agreement states the terms and conditions that apply when you use Monona State Bank's MononaBank Online service, including the optional MononaBank Online Bill Pay service and Person to Person payments (True People Pay).  These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You can obtain copies of any disclosures pertaining to all of your Monona State Bank accounts by calling 608-223-3000. You must also follow all of our instructions and procedures applicable to the services covered by this agreement.

The terms "you" and "your" mean each person who establishes MononaBank Online Customer Account with us or who uses or is authorized to use a MononaBank Online Banking account number and password or other means of access we establish or approve. "Online Banking" means our service that allows you to make payments (if qualified), transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow. Fees may apply to the use of the MononaBank Online Bill Payment service. Please see a personal banker or call (608) 226-3000 for any associated fees with this service.

Should conflicting terms arise between the MononaBank Online disclosures and the original product account disclosures, the Online Banking Agreement and Disclosure will take precedence.


To qualify for Online banking you must:

User ID And Password

To access our Online Banking service for the first time, you will need your last bank statement. You can then access the MononaBank Online service via our web site There you will be asked to pick your own User ID and password. User IDs must have a minimum of eight (8) and maximum of twenty-four (24) characters. At least two (2) of the characters must be alpha and two (2) must be numeric. User IDs are case sensitive. Passwords must have a minimum of eight (8) characters and a maximum of twenty-four (24) characters. Your password must contain at least one (1) alpha and one (1) numeric character. Passwords are case sensitive. Passwords can only be changed once in a twenty-four hour period. For your security, Online Banking uses dual authentication in your sign on process. You may not re-use passwords. Anyone to whom you give your MononaBank Online User ID and password or other means of access will have full access to your accounts even if you attempt to limit that person's authority.

Online Banking Transactions

You, or someone you have authorized by giving them your MononaBank Online User ID and password or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:

External Transfers

You may be able to initiate transfers through MononaBank Online from designated accounts at Monona State Bank to accounts at another financial institution. For your protection you will be asked to complete an "External Account Transfer Setup Request Form" before initiating your first external transfer. Certain limits apply as indicated in the table below.

  "Outgoing" to an account at another financial institution: "Incoming" from an account at another financial institution:
Per transfer instruction you set up $5,000 Unlimited
Daily # of transfers per customer 2 Unlimited
Daily dollar limit per customer $5,000 Unlimited
Monthly # of transfers per customer 5 Unlimited
Monthly dollar limit per customer $10,000 Unlimited

Transaction Limitations of MononaBank Online Banking & Online Bill Pay Service

You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. You may not designate any account that requires more than one signature for withdrawals as an account for use for payments or debits. If any of your qualifying accounts are savings accounts including money market savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than six (6) in any monthly period. The types of withdrawals covered by this limitation include those made by means of pre-authorized automatic transfers, payments, telephone agreements, or similar orders payable to third parties. (However, payments to your loan accounts with us are not counted toward the limits for savings and money market savings accounts.) You also agree to the "Terms & Conditions of Your Deposit Account" that you received when you opened your deposit account.

There is a dollar limit of $9,999.99 (or the available balance in the designated account, plus overdraft line of credit) on any payment.

True People Pay

True People Pay is an optional person to person payment system which allows you to send and receive money online in a fast and safe manner. This is a onetime payment feature and cannot be used for setting up recurring payments.  To be eligible for this service, you must have a checking account.

You agree to provide correct contact information such as contact name, account information, email address, mobile phone number and payment amount.

Payment Methods

Deposit to Bank Account:

Send to Email or text to Mobile Phone Number:

Send to a PayPal account:

Payment Limits

Type of Payment Transaction Limit Daily Limit
Deposit to bank account $ 250.00 $ 500.00
Send to Email or Text to Mobile Phone Number $ 250.00 $ 500.00
Send to a PayPal account $ 250.00 $ 500.00


Cutoff Time

Payments can be initiated 24 hours a day, 7 days a week. The cutoff time for True People Pay payments is 5:00 PM CST. Payments sent after the cutoff time, on non-processing days, such as weekends or Federal Holidays will be processed on the next business day.  The Bank is not responsible for payment delays due to recipient claiming funds or recipient entering wrong account information when claiming a payment.

We may disclose information to third parties about your account or the funds you send or receive:

Our Liability For Failure To Complete Payments Or Transfers

If we do not complete a payment or transfer on time or in the correct amount or stop a payment according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for instance:

Business Days

The MononaBank Online Banking service is generally available 24 hours a day, 7 days a week.  However, we only process transactions and update information on business days. Our business days are Monday through Friday. External transfers made after 5:00 PM will be processed on the next business day. Federal holidays, even though the bank may be open are not included. Federal holidays not included as business days are: New Years Day, Martin Luther King Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. Bill Payments must be scheduled five to seven (5-7) business days ahead of the due date for check payments in the Online Bill Pay service, and three (3) business days ahead of the due date for electronic payments in the Online Bill Pay service.


Your MononaBank Online Banking transfers, Online Bill Pay service payments and True People Pay transactions will be indicated on the monthly statements we provide or make accessible to you on MononaBank Online. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.

Your Liability

You agree to the terms of this account. You are liable for all transactions that you or any of you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Online Banking identification number and password or other means of access and want to terminate that person's authority, you must change your User ID and password or other means of access or take additional steps to prevent further access by such person.

Unauthorized Transactions Or Loss Or Theft Of Your Online Banking User ID Or Password

(a) Consumer Liability. (1) Notify us AT ONCE if you believe your User ID and/or password has been stolen or that an unauthorized transfer has occurred or may occur. Notifying us by telephone is the best way of minimizing your losses. It is possible to lose all of the money in your account as well as any overdraft line of credit.

If you notify us within two (2) business days after learning of the loss or theft of your User ID and/or password, you can lose no more than $50 if someone used your User ID and/or password without your permission.

If you DO NOT notify us within two (2) business days after you learn of the loss or theft of your User ID and/or password, and if we can prove we could have stopped someone from using your User ID and/or password without your permission if you had told us, you could lose as much as $500 if someone used your User ID and/or password without your permission.

Also, if your statement shows transfers that you did not make, notify us AT ONCE. If you do not notify us within 60 days after the statement was mailed to you at your last known address, you may be liable for the entire amount transferred after the 60 days if we could have taken action to reduce your loss with timely notice.

If you delay in notifying us because of extenuating circumstances, we will allow an extension of time for a reasonable period.

(b) Contact in event of unauthorized transfer. Telephone us AT ONCE at 608-223-3000 if you believe your User ID and/or password has been stolen or that an unauthorized transfer has occurred or may occur. While calling us at 608-223-3000 is the best way to notify us, you may also notify us by mail at PO Box 6500 , Monona , Wisconsin 53716 . If you notify us in writing, include your name, address, telephone number and a brief description of your problem.

Error Resolution

In case of errors or questions about your transactions and electronic transfers, call or write us at the telephone number or address listed in this agreement, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Your Right To Cancel A Payment Initiated In The Online Bill Pay Service

Recurring or one-time bill payments made using MononaBank Online Bill pay service, (or a MononaBank Online payment initiated through Microsoft MoneyT) can be canceled by you online the same day until 8:00 PM CST. If you are attempting to cancel or change a payment after this time, you can call the Customer Care Center at 1-866-482-6932 for assistance. Customer Care will make their best effort to cancel payment on the bill. You may be charged for each canceled payment. Please contact Monona State Bank for the current fee schedule. (Refer to your original account product disclosure for guidelines regarding stop payments outside the MononaBank Online Bill Pay Service.)

Your Right To Cancel Or Change A Credit Card Payment Initiated Through The "Make A Credit Card Payment" Link

Recurring or one-time credit card payments made using the MononaBank Online credit card payment link can be cancelled or changed by you online the same day up until 9:00 P.M. CST. If you are attempting to cancel or change a payment after this time, you can call the Customer Care Center at 1-866-482-6932 for assistance. The Customer Care Center will make their best effort to have your payment reversed, and will advise you if any further action is required on your part.


There is no fee to access your account information on MononaBank Online, or to make payments on your Monona State Bank credit card. The MononaBank Online Bill Pay service may have fees associated with its use. Please contact Monona State Bank for the current fee schedule for costs associated with each program.


All transactions occur on a secure server, which uses numerous firewalls and encryption programs. At no time will you be requested to pass your Monona State Bank account numbers over the Internet. A user will automatically be logged out of the online connection after 20 minutes of inactivity. A user will automatically be locked out after three bad password attempts. No money can be transferred out of your MononaBank Online account unless you or someone you have authorized by giving them your MononaBank Online User ID and password or other means of access (even if that person exceeds your authority), have initiated the transaction.

PC Requirements

Your computer will need the following to use MononaBank Online Banking:

The customer is required to use a secure browser incorporating secure socket layer (SSL) encryption to establish a connection to the login screen. Presently, the system requires 128-bit encryption. Monona State Bank reserves the right to change this requirement at any time to maintain the security of our Online Banking products.

For more detailed information regarding system requirements, click here.

Scheduled System Maintenance

The scheduled maintenance window for MononaBank Online is on Sundays from 2:00 AM until 6:00 AM CST. The scheduled maintenance window for the Bill Pay portion of MononaBank Online is on Thursdays from 1:00 AM to 2:00 AM CST . During maintenance windows portions of MononaBank Online could be unavailable for use for short periods of time.


MononaBank Online System Requirements

MononaBank Online requires no special software to use. However, you will need to use current versions of computer operating software and internet browsers. The table below includes the browsers and operating systems tested and approved to meet security and application requirements for MononaBank Online. (Note: While older versions of the listed operating systems and browsers may function adequately, they are no longer being tested and approved for use with MononaBank Online as new features and functionality are added, and as such are not supported if problems begin to surface.)

Operating System Microsoft Internet Explorer® Apple Safari® Mozilla Firefox® Chrome™
Windows® 7 11.0 N/A 59.0 65.0
Windows® 8.1 11.0 N/A 59.0 65.0
Windows 10 11.0, Edge N/A 59.0 65.0
Mac OS X 10.11 (El Capitan) N/A 11.0 59.0 N/A
Mac OS X 10.13 (High Sierra) N/A 11.0 59.0 N/A
iPad® N/A 9.2 N/A N/A
iPad® mini N/A 7.1 N/A N/A

Note: Cookies and JavaScript must be enabled.

General Information

Features such as online e-Statements will be blocked unless the user changes the setting to allow downloads. It is also recommended that a user set their pop-up blocker to "off" or "low" (low allows secured sites to display).

MononaBank Online also requires that java scripting is enabled. This feature is usually enabled by default in the internet browser settings. For more details on enabling java scripting on your PC, call the help number(s) listed in your computer operating system guidebooks or visit the website of the company whose operating software you use (such as the Microsoft site if you use a Windows operating system).

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