ProGrowth Online FAQs

Thank you for your interest in ProGrowth Online! This page contains helpful information about our internet banking product, ProGrowth Online. If you have any additional questions or problems, please email our Help Center at help@progrowth.com  or call 888.244.3490.

What does it cost to use ProGrowth Online?

How do I get started using ProGrowth Online?

How do I get started using ProGrowth Online Plus?

How do I use the Spending Report?

Will I be able to change my password?

What if I forget my Access ID?

What if I forget my password?

How frequently is my account information updated?

What if I am unable to connect with ProGrowth Online?

Can I pay my bills online?

ProGrowth Check Card Holds and Pre-Authorizations

Quicken and QuickBooks Information

BillPay Frequently Asked Questions

What does it cost to use ProGrowth Online?

ProGrowth Online Banking is a FREE service that we provide to you!

How do I get started using ProGrowth Online?

Click here to Enroll in ProGrowth Online. To begin, complete the First Time Login information.

On the next screen, enter a Password. Your password must be 8 characters long and must include at least 1-alpha and 1-numeric character.

Answer the Security Challenge Questions below. These questions and answers will be used to ensure your identity.

Before entering your password or answering the Security Challenge questions, check your browser’s address bar. If your browser’s address bar is GREEN, your connection is safe. If it’s not GREEN, stop your log in process and contact us.


Lastly, read and accept the Online Banking Agreement. That’s it!

How do I get started using ProGrowth Online Plus?

Businesses can enjoy all the benefits of ProGrowth Online and more with ProGrowth Online Plus.

Additional benefits include:

  • Allow multiple login ID's (multi-users)
  • Perform ACH services (separate terms and agreements apply)

With ProGrowth Online Plus, you can establish levels of access based on your business needs and allow online access to authorized employees at your discretion. Enjoy these additional benefits for only a $25 monthly service fee.

Please call our Internet Banking Department at 888.244.3490 for additional information or to signup for ProGrowth Online Plus.

How do I use the Spending Report?

You will need to add "Categories" to your transactions from your Online Banking!

  • Open your Online Banking account
  • Click on a checking product
  • From the drop-down under the Transaction tab click on All Transactions
  • This will take you to a new screen where you will see a list of your transactions
  • Over to the right you will see an icon that looks like a "pencil on a piece of paper", click on that icon
  • Click on NONE, a Category List will appear, click on the category that best describes this particular expense
  • Click the SAVE button

After you have given some of your transactions a Category you will see that your Spending Report now has a ‘pie chart’ with these categories.

Will I be able to change my password?

Yes!  Your password must be 8 characters long and must include at least 1-alpha and 1-numeric character.

 

What if I forget my Access ID?

  • If you have personalized your ID, but still have record of the initial ID you were given, you may use that ID at anytime to access your accounts.
  • You may also call our HELP Center; they will be able to provide you with a new Access ID.
     
    • Lobby Hours:  Monday – Friday, 8:00am – 5:00pm - call  888.244.3490
       

What if I forget my password?

If at any time you want to change your password, click on the Options tab.

How frequently is my account information updated?

Your account information is now “real time”! Your deposits and withdrawals, including ATM transactions, will appear on your screen at virtually the same moment they are posted, providing you with the most up-to-date information on your accounts.

What if I am unable to connect with ProGrowth Online?

If you receive an error message when trying to connect it may mean that ProGrowth Online has unexpectedly gone down. Call our Help Center at 888.244.3490 for assistance Monday – Friday 8am to 5pm.  Or simply try your request later. 

Can I pay my bills online?

YES…with our ProGrowth Online Bill Pay!

It’s safe, easy and saves you money! No envelopes to address, no costly postage stamps and you can pay your bills when you want, 24 hours a day – 7 days a week!

Pay all your bills electronically using ProGrowth Online Bill Pay. Simply click on EXPRESS TRANSFER to access the Bill Pay center. Click on BILL PAY to get started. Online Bill Pay has no fees for up to 20 payments per month; each payment thereafter is $.45.   

ProGrowth Check Card Holds and Pre-Authorizations

When you use your ProGrowth Check Card, authorization is needed before they will accept it for payment. Once the transaction is approved, the balance in your checking account is reduced or “blocked” by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the hold amount. Typically the hold stays on your account until funds are transferred to the merchant, often 3-4 days. If you look at your account online it shows as a pending transaction.

*12/07/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 1.00

*12/10/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 8.85 

Pre-authorization holds.

In the first example, the merchant is only holding $1.00 of the total purchase. Some merchants will hold $50 or $100 depending on what is being purchased.

In the second example, the merchant is holding funds for the entire purchase.

How do pre-authorizations work?

In a few situations, the dollar amount of the transaction is unknown when an approval is given. This may happen when you check into a hotel room, rent a car*, pay for gas at the pump or use your check card to pay for your meal at a restaurant. In each of these transactions, the merchant may get approval for a higher (estimated) amount – allowing for a tip, room service, additional or higher purchase amounts.

Let’s say you have $60 in your account when you use your check card to pay for gas at the pump. Since the purchase amount is unknown when you insert your card, the merchant requests an authorization for $50. The authorization causes a hold to be placed on your account for $50 and your available balance is reduced to $10. If you only purchased $20 in gas, you may believe you have $40 available in your account. Unless you understand how a pre-authorization hold affects your account, your check card could be declined on any future transactions attempted while the pre-authorization hold is in place. If checks or other transactions are processed before the hold is released you may overdraw your account and incur overdraft fees.

Want to know about pre-authorizations? Just ask!

When you use your ProGrowth Check Card in a situation where the merchant may estimate the charge (hotels, car rental*, gas at the pump, restaurants, etc) use the following tips:

  • When a business asks for your card in advance of service – ask if they will initiate a pre-authorization hold, the amount of the hold and how the amount is determined. These questions will help ensure the hold will not exceed your account balance.

  • Pay the charges with the same card you used when initiating the transaction. Ask the clerk when the hold will be removed.

*Many rental car companies will not accept check or debit cards.

Quicken and QuickBooks Information

Exporting Transaction Information from Online Banking

Export transaction information for use with a personal finance application, such as Quicken or Microsoft Money.

To Export transitions into a personal application, complete the Transaction Search options on the Transaction Menu screen, or select, "Transactions Export" from the Transactions menu. Click the "Export" button to complete the export process.

Additionally, clicking the "Display" button on the Transaction menu displays a complete list of transactions. Select the Export check box for each item to be exported. If the check box in the title bar is selected, all displayed items are automatically selected for export.  Click the check box a second time to de-select all items.

Note: Special printing is available on export item lists.

There are several transfer formats that may be supported for transaction export. Select a format from the Export Forma drop-down list box.  The list below details possible format types;

  • .CSV - Comma Separated - Microsoft Excel

  • .QIF - Quicken

  • .IIF - Quickbook

  • .QFX - Quicken Version 2003 or later

  • .QBO - Quickbooks version 2003 or later

  • .OFX - Money

See also, manuals:

BillPay Frequently Asked Questions

FAQs about Automatic Payments in ProGrowth ONLINE Bill Pay

What are automatic payments?

Automatic payments are repeating payments that you set up and manage in ProGrowth ONLINE Bill Pay. You can set up automatic payments for any company or person you pay regularly, and for most e-bills. You can:

  • Use Manage My Bills to set up and manage automatic payments and reminders.
  • You can set up payments to be made based on a schedule that you set.
  • You can set up some e-bills to be paid automatically according to options you set.
  • You can change, prepay, or discontinue automatic payments at any time.

How can reminders help me to manage payments?

Reminders are useful when you want help remembering to make payments on time, but you aren’t ready to set up automatic payments. Go to Manage My Bills to set up and manage reminders. You can set up a reminder to email you 10, 14, 21, or 28 days before a bill is due. You can also receive an email when your payment has been sent or if it is past the due date.

Where do I set up an automatic payment schedule?

Use Manage My Bills to set up and manage automatic payments.

How do I cancel or change the next scheduled automatic payment?

If you want to change only the next occurrence of an automatic payment, locate the payment in the Pending Payments section of the Payment Center. Select the payment, and then click Change or Cancel.

How do I update or delete all automatic payments for a company or person?

If you want to update or delete all future automatic payments to a company or person, go to Manage My Bills. Select the name, and then update or cancel.

What happens if the scheduled payment date falls on a weekend or holiday?

If an automatic payment date falls on a non-business day such as a weekend or holiday, the date is adjusted to a business day. The Pending Payments section in the Payment Center shows the adjusted payment date. You can change the date as needed.

FAQs about ProGrowth ONLINE Bill Pay E-bills

What is an e-bill?

An e-bill is an electronic version of a bill or statement that you can receive, view, and pay in ProGrowth ONLINE Bill Pay. The e-bill typically contains the same information as a paper bill or statement and you can receive e-bills from hundreds of companies nationwide. When your e-bill arrives, it appears in the Payment Center and you can click the Bill Due icon to pay it online on the date you want and for the amount you want.

When you add an e-bill, a request is sent to the company for you to receive your bills through ProGrowth ONLINE Bill Pay. After your request has been processed, you will receive your first e-bill in a month or more, depending on your billing cycle. You will typically stop receiving paper bills when you sign up for e-bills, but some companies continue to send paper bills in addition to e-bills.

How do I sign up to receive e-bills?

There are two easy ways to receive e-bills.

  • You can click on the Get Bill icon that appears next to the company name in the Pay Bills section of the Payment Center This will take you to the Add an E-bill page. Just enter the required information, and we send your request to the company. You can sign up for e-bills from other companies who offer e-bills on the same page.
  • You can also go to Manage My Bills, select the company you want to add and click on Add an e-bill. If the company does not offer e-bills, the option does not appear on the Add and Change Bill Options page

How do I view paid e-bills?

You can view 84 months of bills under the Bill History tab. You can view paid e-bills when you view the details of your payments

How do I pay an e-bill?

Electronic bills (e-bills) that you receive in ProGrowth ONLINE Bill Pay are easy to pay. A Bill Due icon appears in the Pay Bills section of the Payment Center. Just click the Bill Due icon to see a summary of the unpaid e-bills you've received in the past 45 days.

Can I pay an e-bill some way other than ProGrowth ONLINE Bill Pay?

Yes, you can pay an e-bill by some other means, such as by check. However, when you pay an e-bill outside of ProGrowth ONLINE Bill Pay, the status of the e-bill remains Unpaid and the Bill Due icon appears next to the company name in the Pay Bills section. To change the status, you can file the e-bill and add a note about its resolution

Can I set up an automatic payment for an e-bill?

Some companies who offer e-bills also offer an automatic payment option for their e-bills. This option can be found under the Manage My Bills tab if the automatic payment option is available.

I stopped receiving paper bills, and now I want to have them mailed to me again. How do I do that?

You can stop receiving e-bills in ProGrowth ONLINE Bill Pay any time after the company processes your request for them. Just go to Manage My Bills, select the bill, and then select the option to stop an e-bill. This will also cancel any automatic payments that you set up to pay them.

An entire billing cycle may pass before you start receiving your bills directly from the company again. This means that you may receive one or more e-bills before the company stops sending them.

You can still pay your bills using ProGrowth ONLINE Bill Pay, you just won't be able to access your bill online at the Payment Center.

FAQs about using ProGrowth ONLINE Bill Pay

What is ProGrowth ONLINE Bill Pay?

With ProGrowth ONLINE Bill Pay you can pay your bills and send money to virtually anyone, anytime, online. You can enjoy the convenience of ProGrowth ONLINE Bill Pay and:

  • Pay Anyone. You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. If the person or company can’t accept electronic payments, we print a check and mail it for you to the person or company.
  • Review your Bill History. ProGrowth ONLINE Bill Pay allows you to review your bills and payments in Bill History for the past 84 months.
  • Receive E-bills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in ProGrowth ONLINE Bill Pay. You can view your e-bills in the Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.
  • Set-up Automatic Payments. You can set up automatic payments to be sent according to a schedule you set. You can change or cancel automatic payments at any time.
  • Establish Automatic Payments for E-bills. You can set up some e-bills to be paid automatically according to options you set. You can change or cancel automatic payments for e-bills at any time.

How does ProGrowth ONLINE Bill Pay work?

All you need to do is provide some information about the company or person you want to pay, tell us how much you want to pay and when you want the payment made. We send your payment electronically when possible or, if the person or company can’t accept electronic payments, we print a check and mail it for you to the company or person. It’s that easy!

The company or person’s information you enter, stays in the Payment Center, so you only have to enter the information once. Just verify the address each month when you pay your bill.

Who can I pay using ProGrowth ONLINE Bill Pay?

You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

Which bills can't I pay with ProGrowth ONLINE Bill Pay?

You can pay virtually any company or person with an address in the United States with ProGrowth ONLINE Bill Pay. However, you cannot use ProGrowth ONLINE Bill Pay to send payments to addresses outside the United States.

FAQs about paying my bills with ProGrowth ONLINE Bill Pay

What do I need to know to pay companies and people using ProGrowth ONLINE Bill Pay?

The Payment Center offers the flexibility and convenience of paying all of your bills from one place and your payments are guaranteed.

You can pay anybody in the United States that you can pay using cash, check, or debit. If the company you pay accepts electronic payments, we send the money electronically, otherwise, we print and mail a check on your behalf. Just use the Payment Center to tell us who to pay, the amount to pay, and the date you want it paid. The money stays in your account until it’s time for us to deliver the payment.

When you add a company or person to pay, we even save the contact information to make future payments even quicker and easier. We also maintain relationships with thousands of companies, and manage their contact information for you.

How does a company or person receive my payment?

Whenever possible, we send payments electronically, otherwise, we print a check and mail it to the billing address you provided. The check contains the following information:

  • Your name and address
  • The company or person's name and your account number with them, if available
  • The payment amount
  • The pay date

If you added a memo to your payment, the information is printed on the memo line of the check.

Can I change a payment?

Yes. You can change a payment that is pending, but not a payment with a status of Processing or Paid.

When is the money for the payment withdrawn from my account?

When your payment is sent electronically, and for some checks, the money is withdrawn from your account on the pay date. For other checks, the money is withdrawn when the company or person deposits or cashes the check.

How soon can a company or person receive a payment from me?

If the company you are paying can receive electronic payments, you can typically make the payment in one or two business days. However, if the company or person you are paying cannot receive payments electronically, we have to mail them a paper check and this process takes a few days.

You can pay some bills the same day, with the Pay Today option, but there are associated charges.

I don’t see the account I want to pay my bills from. How can I get an account added in ProGrowth ONLINE Bill Pay?

The HELP Center will be happy to help you with your request. Just give them a call at 507-232-3488 or 888-634-3488 and tell them which account you would like added.

Are my payments guaranteed?

With the Payments Guarantee, you can be assured that your online payments are safe and reliable. By using ProGrowth ONLINE Bill Pay, you are protected from processing delays and in the unlikely event of unauthorized transactions.

The Payments Guarantee applies when all the payment and contact information provided is accurate.

Why don't I have to enter the address or other information for some companies?

We maintain relationships with thousands of companies, and manage their contact information for you. If we don’t ask you for the contact information for a company, it is because we already have it. If the company’s address changes, they contact us directly.

Why do I have to enter my account number?

Your account number is the best way to ensure that the company can credit your payments properly. If your account information is not correct, your payment may be credited late or the company may not be able to credit it at all. This may result in late fees, finance charges, or service disconnections. The Payments Guarantee applies only to payments where all the information you provided is accurate.

Sometimes companies use repeated characters (such as ***, ###, or xxx) to hide part of your account number on statements or bills. Be sure to enter the full account number, instead of the characters used to hide your account number, to ensure that your payment is credited properly.

What if I don't have an account number?

If you don't have an account number, you can enter other information that lets the company know who is paying them and for what. For example, you can use your address or the invoice number.

I recently moved. How can I change my contact information?

The HELP Center will be happy to help you with your request. Just give them a call at 507-232-3488 or 888-634-3488 and let them know that you need your address changed in ProGrowth ONLINE Bill Pay.

You can verify your contact information in ProGrowth ONLINE Bill Pay at any time under the My Profile tab by clicking on View personal info.

Where do I change contact information for a company or person I pay?

By clicking on Manage My Bills, you can change options or contact information.