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Online Banking

You are in control with Business Online Banking. You can access your account information 24 hours a day, 7 days a week. You can manage and customize your accounts online by controlling all user access and security on a per-employee basis. Business Online Banking will save you time, without making that extra trip into the bank.

Sign Up Now

Sign up today with Business Online Banking! Begin taking control by managing your account information 24 hours a day, 7 days a week. We will help you customize and create your account information any way you would like. We will show you just how easy it is to use.

Business Online Banking can help you:

  • Control access and security for multiple users, assigned on a per-employee basis.
  • Make transfers between your accounts without ever having to leave your office.
  • Make loan payments or loan advances without ever having to leave your office.
  • Pay bills online without a special trip to the post office.
  • Provide direct deposit for your employees, or debit your customers for monthly bills - saving a trip to the bank for your employees.
  • Initiate a wire from your office.
  • Access images of checks and 12 months of statement archives.
  • Download your information into Quicken® or QuickBooks® for fast, easy reconciliation.

Contact your local branch and speak with your personal banking officer at Bank Forward, or by This email address is being protected from spambots. You need JavaScript enabled to view it..

Please note that any message sent using this feature is transmitted via normal email, and is not encrypted. Please do not include any confidential information, such as account numbers or details, social security numbers or any other information you want kept confidential.

E-Statements

Go Green!

Bank Forward offers free E-Statements online – replacing your paper statements and/or notices. They contain exactly the same information as your paper statement, including your check images. You will also receive any notices that you currently receive in the mail, such as notices on your checking, savings, certificate or loan accounts, and you can view your documents for the past 12 months. You will be notified by email that your statements and notices are ready in your Online Banking account to be viewed, printed, downloaded or saved to your computer!

To receive E-Statements for your business, you can just select this option during your enrolment for Business Online services. You will need the following:

  • Bank Forward’s Online Banking; if you are not enrolled, contact your local branch to complete your enrolment.
  • Internet access that supports 128-bit encryption
  • An email address for your business account
  • Adobe Acrobat Reader software to view your statements

Questions? Contact Us!

If you have any questions about our E-Statements, please contact your local branch, or contact us by This email address is being protected from spambots. You need JavaScript enabled to view it.. Please note that any message sent using this feature is transmitted by normal email and is not encrypted. Please do not include any confidential information such as account numbers, social security numbers or any other information you want kept confidential.

You may access the Error Notice About Your Electronic Transfers, your Billing Rights Summary or the disclosure on How Finance Charges are Computed. These notices were previously included on the reverse side of your statement. You may also access the E-Statement Terms of Use to review the specific information on our E-Statement service.

IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
(FOR CONSUMER ACCOUNTS ONLY)

Telephone us or write us at the telephone number or address on the reverse side as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

  1. Tell us your name and account number.
  2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there is an error or why you need information.
  3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) to do this, we will re-credit your account in the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

Disclosure to Checkmate Overdraft Protection, Home Equity Line of Credit, and Personal Security Line Customers

What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address shown on your statement. In your letter, give us the following information:

  • Account information: Your name and account number.
  • Dollar amount: The dollar amount of the suspected error.
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:

  • We cannot try to collect the amount in question, or report you as delinquent on that amount.
  • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
  • While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
  • We can apply any unpaid amount against your credit limit.


Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true:

  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
  3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address shown on your statement.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

For Home Equity Line of Credit Customers

We figure the finance charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new advances and fees, and subtract any unpaid finance charges and any payments or credits. This gives us the daily balance.

For Checkmate Overdraft Protection and Personal Security Line Customers

We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new advances and fees, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance.

This Electronic Disclosure and Terms of Use ("Terms of Use") contains important disclosures and information about how we will deliver disclosures and notices required by applicable law, including periodic statements and notices, change-in-terms notices, our annual privacy notice and all other communications about our E-Statement and related services, whether available now or in the future (“Notices”). This is your copy of the Terms of Use; please read it carefully and print or download a copy of it for your records.  For purposes of this agreement, “we," "us," "our" and "Bank" means Bank Forward and any of its affiliates or direct or indirect subsidiaries.  "You" or "your” means, as applicable, each owner of an account with us. 

Consent to Electronic Notices.  By clicking on the box on the enrollment page, you affirmatively consent to receive, and acknowledge that you can access, receive, and retain, all Notices electronically, whether sent by e-mail or other electronic means, and not in paper or non-electronic form (each an “E-Statement”).

You further acknowledge that by accessing the Bank's web site at www.bankforward.com, your computer satisfies the hardware and software requirements discussed below and your are able to access, receive and retain Notices electronically in the formats used, regardless of whether a Notice is posted on the Bank's web site or sent to you by e-mail or other electronic means. The decision to do business electronically is yours.

If you wish to request a paper copy of a Notice, you may request a copy in writing by sending a request to Bank Forward in writing at PO Box 776, Cooperstown, ND  58425, by e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it., or by telephone or in person at your local branch. Please note that any message sent by e-mail is not encrypted. Please do not include any confidential information such as account numbers, social security numbers, or any other information you want kept confidential.

Description of E-Statements. Bank Forward offers E-Statements for consumer and business deposit and loan accounts. E-Statements will replace your mailed paper Notices with an electronic PDF version that you can view, save to your computer, or print at your convenience. The specific documents delivered by E-statements will be determined by your choices at the time of enrollment. Any legal disclosures that normally accompany your mailed periodic statements will also be delivered to you electronically.  Bank Forward reserves the right to modify, add, or delete any features of the E-Statement service at our sole discretion. Any amendments to these Terms of Use will be effective when they are posted on www.bankforward.com, or delivered to the e-mail address we have on file for you. You are responsible for periodically checking the website for changes, or reading notifications that we send to you.

Enrolling in E-Statements.  You may enroll in our E-Statement service on our website through Bank Forward Online. You may choose which of your Notices you wish to receive electronically. For any account with multiple owners, all account owners will be bound by the decision of the account holder who enrolls in or cancels the service. You will provide us with the e-mail address to receive your E-Statements and notices concerning the E-Statement service.

Receiving E-Statements.  We will send E-Statements to an e-mail address you have designated or make them available in your online banking with appropriate notice to you as permitted by applicable law. You will need Adobe Acrobat Reader to view, print, and/or save your E-Statements. You may go to www.adobe.com to download the Adobe software at no charge.  You will be able to view the current month's E-Statements and previous E-Statements for the number of months that you have been enrolled in the E-Statement service (up to a maximum of twelve months). You may change your email address by using the “User Options” selection within Bank Forward Online, or contacting your local branch. Should Bank Forward reasonably believe that you may not be receiving the e-mail messages we are sending to your e-mail address notifying you of the availability of your E-Statements, we may cancel your use of the E-Statement service and begin sending you paper statements at the mailing address on file at the bank.

You will receive electronic delivery of your E-Statements by receipt of an e-mail notifying you that your E-Statement is available to be retrieved by logging into your account through Bank Forward Online.  Your E-Statement will be available to you in a PDF file format to be printed, downloaded, or retained on your computer.

Hardware and Software Requirements.  In order to use the E-Statement service and to access, receive and retain Notices electronically, you must satisfy the hardware and software requirements detailed below. We will give you notice of any change to these hardware and software requirements if the proposed change will adversely affect your ability to access, receive and retain subsequent E-Statements from us.

The hardware and software requirements, which will be provided by you, are as follows:

  • An Internet web browser which is SSL-compliant and supports 128 bit encryption;
  • An e-mail account and software capable of receiving attachments up to 1 MB.
  • Adobe Acrobat Reader software version 5.0 or higher; sufficient electronic storage capacity on your computer's hard drive or other data storage unit, or a printer that is capable of printing from your Internet Web browser and e-mail software.

Security of the Service.  Information you provide to Bank Forward will be stored on secure servers and protected by certain encryption techniques. However, the security of the service depends upon your efforts to protect your username and password for the service (if applicable). You must take all necessary precautions to safeguard your username and password (including your online banking information) which allows you to access the service.

Withdrawal to Consent to E-Statements.  If you agree to receive E-Statements, you can cancel your consent and resume receiving paper notification at any time by sending a written notice to Bank Forward, PO Box 776, Cooperstown ND 58425, or visiting or calling one of our branches during normal business hours. You will not be charged a fee if you choose to withdraw your consent, and the E-Statement service will automatically be terminated. You will automatically begin receiving paper Notices in the mail with your next statement cycle. Termination of these Terms of Use will not affect the legal validity and enforceability of any Notice, electronic or otherwise, before the effective date of termination of these Terms of Use.

Your Communication to Us.  As a customer of Bank Forward, you have certain time limits to review your E-Statements and accompanying check images and to report any forgeries, alterations, or any other unauthorized withdrawals or transactions to us. The time limit to report these matters will commence on the day your E-Statement or notice is made available for your review. To the extent permitted by applicable law, any e-mail you send to us will not be effective until we receive it and have had a reasonable opportunity to act on it. We therefore strongly suggest that you report all matters requiring immediate attention (for example, reports of alleged unauthorized payments, errors or fraud) to us by calling us at 877-689-1783 or contacting your local branch. We recommend that you do not use e-mail to communicate confidential information since Internet e-mail may not be secure. We may, however, require you to provide us with written confirmation regarding any such matter. You also agree that we may send you an electronic Notice in response to any communication you send to us; regardless of whether your original communication to us was an e-mail.

Verification of Electronic Access.   Your ability to access, receive, and retain notices electronically will be demonstrated during the enrollment process by opening the PDF version of the E-Statement Enrollment Disclosure and providing the enrollment code to complete the enrollment process.    

YOU UNDERSTAND BY AGREEING TO THE TERMS OF USE, YOU ACKNOWLEDGE THAT;

  1. You have read and understand the Terms of Use, and have printed or downloaded a copy for your records;
  2. You can access, receive, and retain notices electronically in the formats we use, and affirmatively consent to the receipt of notices electronically;
  3. You have the necessary computer hardware, software, and internet access to send and receive electronic communications from us; /em>
  4. You expressly consent to the use of electronic records for the electronic delivery of your statements, notices, and any disclosures or other communication sent to you.
  5. You are authorizing Bank Forward to replace your periodic paper statements and/or notices with E-Statements;
  6. You are consenting on behalf of all other co-owners and/or authorized signers to enroll the accounts you have selected in the service, and that you are authorized to consent on their behalf;
  7. You are authorized on behalf of the Organization (if applicable) to make this request to enroll accounts for the service.

Business Bill Pay

Pay Your Bills Online with Free Online Bill Pay 

Save time by writing fewer checks and save money without paying for postage or check blanks.
With our free bill pay service, you can make one-time, recurring or future-dated payments for businesses or individuals with a US mailing address.

Online Demo

Take a test drive on our free online bill pay site.

To Enroll

It’s easy!  Simply log on to your online banking account.  At the bottom of the page, you’ll see the signup for online bill pay.

New to online banking?  Just add online bill pay enrollment when you sign up.

Contact Us

If you have any questions about our personal internet banking services, please contact your local branch, or contact us by This email address is being protected from spambots. You need JavaScript enabled to view it..

Please note that any message sent using this feature is transmitted via normal email, and is not encrypted. Please do not include any confidential information, such as account numbers or details, social security numbers or any other information you want kept confidential.

Quicken® Downloads

Help manage your Bank Forward accounts by downloading your account information through Quicken® or QuickBooks® software. Your account information will automatically download all transactions through Quicken® or QuickBooks®, helping you keep track of your account information and finances more easily.

Select the link that matches your software version for instructions on how to access your Bank Forward accounts within Quicken® or QuickBooks®.

QuickBooks® for Mac 2014

QuickBooks® for Mac 2013

QuickBooks® for Windows 2011 - 2013

QuickBooks® for Windows 2010 - 2012

Downloading financial data is not available on older versions of Quicken® or QuickBooks® since they are no longer supported by Intuit.

An additional benefit to Quicken® or QuickBooks® is Mint.com, a personal financial management tool to:

  • Organize and categorize your transactions coming through on the account
  • Review and track your spending habits
  • Create budgets and savings goals within the software

Mint.com has a free mobile app available to Quicken® or QuickBooks® users as well.

This email address is being protected from spambots. You need JavaScript enabled to view it.

Please note that any message sent using this feature is transmitted via normal email, and is not encrypted. Please do not include any confidential information, such as account numbers or details, social security numbers or any other information you want kept confidential.

Demos

Online Demos

Find out how easy Online Banking and Bill Pay can be by watching these online demos. 

Business Online Banking

Business Bill Pay

System Requirements

Business Online Banking

 

Compatible Browsers

 

  • Apple Safari 4.0
  • Apple Safari 5.0
  • Apple Safari 5.1
  • Google Chrome
  • Microsoft Internet Explorer 10.0 for Windows 8
  • Microsoft Internet Explorer 8.0
  • Microsoft Internet Explorer 9.0
  • Mozilla Firefox
  • Opera

 

Compatible Operating System

 

  • Microsoft Windows 7 – 32 bit all Editions
  • Microsoft Windows 8
  • Microsoft Vista – 32 bit Business

ACH Services

 

Compatible Browsers

 

  • Internet Explorer 9 32 bit
  • Internet Explorer 10 in Compatibility Mode
  • Google Chrome

 

Compatible Operating System

 

  • Microsoft Windows 7 – 32 bit all Editions
  • Microsoft Windows 8
  • Microsoft Vista – 32 bit Business

Merchant Capture

 

Compatible Browsers

 

  • Microsoft Internet Explorer 7 (min)
  • Microsoft Internet Explorer 8
  • Microsoft Internet Explorer 9
  • Microsoft Internet Explorer 10 in Compatibility View
  •  

  • 2 GB (Recommended) or higher of Memory

 

Compatible Operating Systems

 

  • Microsoft Windows 7 – 32 bit all Editions
  • Microsoft Windows 7 – 64 bit Professional
  • Microsoft Windows Vista – 32 bit Business
  • Microsoft Windows XP
  •  

  • 11 GB to 20 GB (Recommended) of Disk Space
  •  

  • Internet Access with a minimum of a 1.5 MB connection speed

 

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Save Time With Free, Green and Easy E-Statements