True Mobile Banking

True Mobile Banking

Our True Mobile Banking app makes it truly convenient to bank from anywhere on your smartphone. Now with our new True People Pay and True Mobile Deposit tools, it’s even easier for our consumer banking customers to take care of your banking, even when you're away from your computer and can't make it to the branch to deposit a check or get cash to pay back a friend.

Manage your finances on any Internet-enabled mobile device. No matter what time of day or where you are, you have, at your convenience, the ability to:

  • SEND MONEY: Send money to your family or friends by text, email or PayPal accounts using our new True People Pay tool on either your computer, smartphone or tablet.
  • DEPOSIT CHECKS USING YOUR SMARTPHONE: Our True Mobile Deposit lets you deposit a check from anywhere using the camera on your iPhone or Android smartphone. Since this tool requires a smartphone or tablet, it is therefore not available on your PC.
  • Check your account balance(s) and review your transaction history. Use our Premium Alerts to have text or email alerts sent to advise you about high/low balances, debit card usage and more.
  • Transfer funds between accounts and schedule bill payments easily.

True Mobile Banking gives you the freedom and flexibility to manage your finances and stay connected to your money. Because Monona State Bank uses the latest mobile banking technology, your accounts and identity are safe and secure. To make it even more convenient, you can use the same password to access your accounts online, through our mobile website, or when you use our mobile app.

True Mobile Banking Customer Service

Note: In order to use our True Mobile Banking app, you must be currently enrolled in our consumer internet banking service. Your MononaBank Online credentials are used to login to the mobile application. Click here to enroll in MononaBank Online internet banking.

How to Enroll in True Mobile Banking via our Downloadable App

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Download our iPhone App
Search for our app in the App Store, 
or visit on your mobile device to download directly.

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Download our Android App
Search for our app in Google Play (formerly the Android Marketplace),
or visit on your mobile device to download directly.


How to Enroll in Mobile Banking via our Web Application

If your mobile phone or tablet is Internet-enabled but does not support downloading of the mobile app, you can still enroll in our mobile banking web application. Just go to from your device's web browser and follow the steps to enroll and login. Save the site as a bookmark in your browser for easy access when you need to bank on the go!


Frequently Asked Questions

Q: Am I able to download the Monona State Bank True Mobile Banking application to my phone?

A: The ability to download the Monona State Bank mobile banking application to your phone is dependent on the carrier and the device capabilities. If your phone/carrier does not support downloading the app to your phone, you can still enroll in the mobile web application by signing in and following the prompts at

Q: What does it mean when I get 'Error 1200' after entering my sign-on credentials?

A: Error '1200' is a generic error code signifying that at least one of your sign-on credentials has been keyed incorrectly. This could be your UserID, password, or any of the challenge questions. All sign-on credential entries are case sensitive and must match exactly to how you entered them when you set them up through MononaBank Online. Always make sure that your Caps Lock is not on when you begin to enter your sign-on credentials. If you continue to enter credentials incorrectly three times consecutively, you will finally get an error message saying to contact Customer Support, as you have locked your sign-on and you will need to be reset.

Q: What happens if I get a new phone or change phone numbers?

A: If you get a new phone or change phone numbers, make sure to log into your MononaBank Online internet banking service from your PC and update your phone profile through the link titled 'Manage mobile banking settings'. Click on the link that allows you to remove your old phone. Then you can re-enroll your new phone.

Q: Can I make my Monona State Bank credit card payment through my mobile banking application?

A: The Monona State Bank mobile banking application currently supports the ability to view your credit card information and activity, but you can only make a payment on your MSB credit card through your MononaBank Online consumer internet banking service.

Q: Can I set up a new bill payment payee through mobile banking?

A: To set up a new bill payment payee, you must currently initiate that through your MononaBank Online internet banking service. However, you can initiate a one-time or recurring payment, or change a payment for any existing payees through your mobile banking application.

Q: Is the mobile banking service secure?

A: Yes, the mobile banking service utilizes best practices from online banking, has HTTPS, 128-bit SSL encryption, and password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your account(s). In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by either going to MononaBank Online and disabling or removing your phone from the service, or calling us.

Q: Why doesn't it show any accounts available for transfers when I select 'Make a Transfer'?

A: If you own multiple deposit accounts with Monona State Bank and see them on the 'Account Overview' screen, but are presented with a message indicating there are no accounts available to make a transfer, this may indicate that your account(s) are currently inactive or dormant. In that event, you can simply contact the Monona State Bank Customer Support area at (608) 223-3000 and request your account(s) to be reactivated, which will immediately make them available for use with transfers. At this time, you can only transfer between your Monona State Bank deposit accounts, or make a transfer from one of your MSB deposit accounts to your loan account.

Q: Can I access my e-statements through mobile banking?

A: Not at this time. You can access your e-statements through MononaBank Online internet banking.

Q: When I use the feature to 'Find ATM' why do I only see the four ATMs located at Monona State Bank Branches?

A: At this time, the ability to locate ATMs through the Monona State Bank mobile banking application is limited to the four locations that are actually owned by Monona State Bank. However, by using your phones internet browser, you can locate any of the over 700+ ATMs in the surcharge free network we participate in by going to You can also download our ATM Access Finder app here.

Q: Can I use Mobile Banking on more than one phone?

A: Yes. From any mobile phone, go to your browser and enter the mobile web URL ( and enroll that phone.

Q: What if my device is lost or stolen?

A: If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service for that phone. Additionally, sign onto MononaBank Online from your PC and disable or remove that phone under the 'Manage mobile banking settings' link.

Who do I call when I have questions about using MononaBank Online or the mobile banking apps?

Monona State Bank's Customer Support area is staffed with individuals specifically trained to support our MononaBank Online service and banking apps (including issues while enrolling) and more. You can reach them at (608) 223-3000 (M-F, 8:00 a.m. - 5:00 p.m.); or toll-free at (866) 482-6932 after 5:00 p.m. on weeknights or during the weekend. If you prefer, you can email your question(s) to

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