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?

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

How do I enroll in ProGrowth Online?

Click here to enroll in ProGrowth Online. On the First Time Login page, enter all the required information. You should enter your social security number without the dashes. The ProGrowth Electronic Banking Password is usually, but not always, the last four digits of your social security number. Please call customer service at 888.244.3490 and ask for your password.

You will then be asked to choose an Access ID and a password. Your Access ID will need to be at least six characters long. Your password will need to be at least six characters, with at least one alpha and one numeric character.

You will then be asked to enter your email address and select and answer three security questions.

The next step is to accept the ProGrowth Online Agreement. Then, the Mobile Banking Agreement will pop up and you can Accept, Decline or Ask Me Later. Lastly, eStatement enrollment will pop up. You can sign up one or all of your accounts for eStatements and eNotices on this screen. You can also choose Decline or Ask Me Later. That’s it! You are now enrolled in online banking.

What is ProGrowth Online Plus?

ProGrowth Online Plus is designed to allow businesses to establish different levels of access for employees based on business needs. It also has additional benefits, such as:

  • Allow multiple login ID's (multi-users)
  • Performing ACH services, such as direct deposit of payroll to employees (separate terms, charges and agreements apply)
  • Merchant Capture, so you can scan your deposits from the comfort of your own office (separate terms, charges and agreements apply)

Enjoy these additional benefits for only a $25 monthly service fee.

How do I enroll in ProGrowth Online Plus?

Please contact the HELP Center at 888.634.3488 for additional information or to sign-up for ProGrowth Online Plus.

How do I that I have reached the ProGrowth Online secure website?

You always want to make sure that you have reached our secure site by verifying that the browser’s address bar is GREEN before you answer your Security Challenge questions or enter your password.

In Internet Explorer, it will look like:

In Mozilla Firefox, it will look like:

In Google Chrome, it will look like:

I have forgotten my Access ID. How can I found out what it is?

Please contact a Customer Service Representative at 888.244.3490 during regular business hours and ask for your Access ID.

Monday – Friday, 8:00am – 5:00pm
Saturday, 8:00am - Noon

I have forgotten my password. What do I need to do to get a new one?

There are two ways to get a new password. If you have not gotten the message that your account has been disabled, you can click on the Forgot Password link on the main log-in page. A temporary password will be emailed to you.

Otherwise, you can contact a Customer Service Representative at 888.244.3490 during regular business hours to have your password reset.

Monday – Friday, 8:00am – 5:00pm
Saturday, 8:00am - Noon

How do I change my password?

Anytime you want to change your password, just click on the Options tab once you have logged into your ProGrowth Online account. You will need to enter your current password, a new password and confirm the new password. Your new password will need to be at least six characters long and contain one alpha and one numeric character.

I received a message that my account is disabled when I tried to log in. What should I do?

Please contact a Customer Service Representative at 888.244.3490 during regular business hours to have your account unlocked.

Monday – Friday, 8:00am – 5:00pm
Saturday, 8:00am - Noon

What if I am unable to get in to my ProGrowth Online account?

If you receive an error message when trying to log on, it may mean that ProGrowth Online has unexpectedly gone down. Please call a Customer Service Representative at 888.244.3490 for assistance Monday – Friday 8am – 5pm, Saturday 8am – Noon or simply try your request again later.

How do I use the spending report?

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

  • Log-in to your ProGrowth Online account
  • Click on a checking account hyperlink
  • 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 and a Category List will appear. Click on the category that best describes this particular expense
  • Click the SAVE button which looks like a little computer disk.

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.

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 TRANSFERS, then BILL PAY to access the Bill Payment Center. Online Bill Pay has no fee for up to 20 payments per month; each payment thereafter is $.45.

How do I view my eStatements?

After logging into your ProGrowth Online account, click on EXPRESS TRANSFERS, then click on eDOCUMENTS. In the box that appears, select the account(s) you want to see the statement for and select Checking Statement as the Document Type. Click Submit and a list of all your statements for the last 18 months will show up. Just click on the statement you want to view.

Note: You will need Adobe Reader on your computer to view statements.

 

How do I view my eNotices?

After logging into your ProGrowth Online account, click on EXPRESS TRANSFERS, then click on eDOCUMENTS. In the box that appears, select the account(s) you want to see the eNotice for and select Checking/Savings Notices as the Document Type. Click Submit and a list of all your eNotices for the last 18 months will show up. Just click on the eNotice you want to view.

Note: You will need Adobe Reader on your computer to view eNotices.

 

I only have one account, so I don’t see EXPRESS TRANSFERS. How do I access Bill Pay and my eDocuments?

On the blue bar under the ProGrowth Bank logo, hover your mouse over ACCOUNTS, then over your account in the blue box that pops up underneath ACCOUNTS. Another blue box will pop up next to your account, and clicking on Payments will take you to Bill Pay or clicking on Documents will take you to e-statements.

I want to know who I wrote a check out to. How do I find the check and view it online?

You can use the Search Transactions box on the main screen of ProGrowth Online Banking. You can choose the account you want to look in and search by Date, Amount or Check Number. You can even put in a range of dates, amounts or check numbers to search for. Once you have entered the information, just click display and the item(s) will display on your screen. To view an image of a check or deposit, just click on the blue hyperlink (the check number or word DEPOSIT underlined and in blue).

How do I enroll in eStatements?

You can enroll in eStatements and eNotices at any time! Just log-in to your ProGrowth Online account and Click on Options. At the bottom of the page, you can enroll one or all of your accounts in eStatements and eNotices.

I am not getting an email when I click on Forget Password or when my password changes. Why not?

The email could be getting blocked by the Spam filter of your email. Check to see if it went to your Junk folder. If it isn’t in your Junk folder, ProGrowth Online could have an incorrect email address for you. Once you have successfully logged into your ProGrowth Online account, click on Options and verify the email address that is on file.

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.