Alerus Online Access
The process for signing up for access is simple.
Once we have received your enrollment form online and verified your account information, we will notify you by e-mail an acceptance of your enrollment. Upon acceptance, a password will be mailed within 24 hours if the enrollment form is received prior to 4 p.m. CST or within 48 hours if received after 4 p.m. CST. You will also receive an enrollment kit consisting of additional information about Alerus Financial's Online Access.
As always, we are dedicated to providing you the very best customer service possible. If you have any questions please call us at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or toll free at 800.279.3200, ext. 2662.back to top
Alerus Online is simple to use. Below is a description of the functionality available to you.
Detailed information for each of your accounts is available by simply clicking on your account.
You also have the option of exporting your transaction information for use with a personal finance application such as Quicken or Microsoft Money.
Alerus Online is Alerus Financial's free Internet banking product allowing our customers 24-hour access to their personal accounts. You can log on to alerusfinancial.com and check balances, transfer funds, and more. Electronic bill payment through Alerus Bill Pay is also available through our Internet solution.back to top
Select the account to which you’ve assigned bill pay, then click on the “Bill Pay” button. Select the type of payment from the Payments menu (single, recurring, scheduled). Select the payee from the list of payees. The payment information will appear with the option to change date, payment amount, and account to be paid from. After changes are made, click on the “Next” button. Review your payment, then click on “Submit Payments.” You will be provided with a confirmation receipt for each payment made.
To cancel a transfer before it occurs, select the account from which the transfer is scheduled to be made, and then select "Transfer List" from the Transfers menu. Find the transfer you wish to cancel and click on the box to the left of the transfer. This will allow you to edit the transfer date and amount fields.
To cancel the transfer, delete the amount in the amount field, or change the amount to zero, then click on the “Submit” button. Clicking on the delete button will only remove the transfer from your transfer list; it will not cancel the transfer.
To cancel a bill payment before it occurs, select the account from which the bill pay is scheduled to be made and click on the “Bill Pay” button. Once in Bill Pay, select the type of payment from the Payments menu (single, recurring, scheduled). Find the payment you wish to cancel and click on “Stop.” This must be done before the cut-off time of 3 p.m. Central time.
To place a stop payment on a bill payment after it has been submitted, contact us at 877.885.2362. It is not possible to place a stop payment on a bill payment through Alerus online.back to top
You may pay almost any payee you wish, but there are some several restrictions:
Yes. Alerus Bill Pay provides you with an electronic bill payment system. You can make payments from your personal account to almost anywhere. You can make a one-time payment, schedule a payment to be made in the future, or set up a recurring payment.back to top
No. Once you’ve enrolled in bill pay, click on the checking account you selected for bill pay and then click on the “Bill Pay” button to setup new one-time payments, recurring payments, scheduled payments, or to modify existing payments. If you do not have bill pay but would like to enroll, click on the “Bill Pay” button to submit application.
No. Once you have an access ID and password to Alerus Online, you can add bill pay at anytime. When you log into your account, click on the “Bill Pay” button. Within one business day of submitting your application, you will see the “Bill Pay” button activated on the account you have selected as your payment account. To access bill pay, select the account you’ve assigned bill pay to, then click on the “Bill Pay” button.back to top
Contact our call center if you suspect someone may be using your Access ID or password. We can be reached at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or at 800.279.3200, ext. 2662.back to top
Unlike other financial institutions that update information in "batches" one or two times a day, Alerus Online is "real time." Account balances and transactions for savings and checking accounts are generally current and will reflect transactions made during the day as they occur when using our 24-hour telephone banking system HomeAccess, an ATM, or Alerus Online. This includes transfers, deposits and withdrawals, and Alerus bill pay transactions. Please remember that depositing checks at a teller may require time for the check to clear before it is credited to your account. As a result, you may not immediately see the check deposit on Alerus Online until it clears.
Balances for other account types, such as loans and CDs, are generally current as of the end of the previous business day.back to top
After submitting an application, you will receive a confirmation e-mail and a letter via postal mail providing your access information. Log on to Alerus Online by clicking on the "Alerus Online" tab from our home page.
When you log on the first time, you will be prompted for the temporary access ID and password provided to you in the letter. You will be prompted to select a new access ID and password. The access ID is case sensitive and must be between six and 19 characters. Your password is also case sensitive and must contain between eight and 16 characters, of which at least one is a letter and one is a number.
After successfully logging in, you will see your list of accounts. Click on any account to see more detail. You can also select the buttons for transfers, bill pay (if applicable), current business day activity, current statement, previous business day, or previous statement.
When you are finished working with your accounts, we recommend you end your session to Alerus Online by clicking the "Logoff" button at the top of your screen. If you forget to logoff, the system will automatically terminate your session after 10 minutes of inactivity.back to top
If you forgot your password, you must contact our call center. We will be unable to recover your old password, but can generate a temporary one that you can then change. We can be reached at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or toll free at 800.279.3200, ext. 2662.back to top
When will advances, payments, or transfers made through Alerus Online be credited or debited from my account?
One-time transfers will be processed immediately if submitted prior to 11 p.m. Central Standard Time (CST). When a transaction has been completed, you will receive a confirmation message. The transaction will appear on your bank statement as usual.
After entering my password for Alerus Online, I get a dialog box asking if I want to save my password. Should I do this?
This is a personal setting stored on your local computer. We recommend you do not save your passwords. If you do so, anyone with physical access to your computer may be able to access your Alerus Online account without entering a password. Also, if you change your password in the future, the saved password will be incorrect. For more information on enabling or disabling the password saving feature, consult your browser's help file.
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Yes. Information can be exported from your checking, savings, and loan accounts on Alerus Online into a format that can be used with Quicken, Microsoft Money, or other commonly-used spreadsheet applications. To export transactions into a personal application, click on the "Export" link on the transaction list. From the export drop-down list box, select the appropriate file type, then click the "Export" button to complete the process.back to top
Yes. If you want to change your password, follow these instructions:
Remember, your password is case sensitive, between eight–16 characters, and must include at least one alpha and one numeric character. If you have forgotten your password, contact our Call Center at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or toll free at 800.279.3200, ext. 2662 for assistance.back to top
Yes and no. You may use AOL to establish a connection to the Internet, but you cannot use the AOL browser to access Alerus Online. Once you've connected to the Internet via AOL, open up Microsoft Internet Explorer or Netscape Navigator and go to alerusfinancial.com. You can continue to use your AOL browser for other functions.back to top
Alerus Online is available free to any customer with an Alerus Financial personal account such as a checking or savings account, loan, or CD.back to top
You can access transactional information for your current and previous bank statement.
Yes. Transactional information can be exported from your accounts. You may export the information into formats recognized by Quicken, Microsoft Money, or commonly-used applications such as Excel, Access, or Lotus 123.
To access Alerus Online simply follow these directions:
Signing on for the first time:
For security reasons you will be prompted to change your Access ID and Password.
As will all personal information, we recommend you keep your new access ID and password protected.back to top
These are often referred to as "external" transfers. Alerus Online only allows you to make "internal" transfers, between the accounts you have access to through your Alerus Online access ID. However, if you subscribe to bill pay, you can make payments almost anywhere, including other financial institutions.back to top
No. We require all individuals to have their own access ID and password. Account ownership determines which accounts you may access. We want to ensure individuals only have access to the accounts they own. We recommend that you do not share your access ID or password with anyone, as this gives them authorization to your accounts.
If you believe someone is accessing your account through Alerus Online illegally, immediately contact our Call Center at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or toll free at 800.279.3200, ext. 2662.back to top
First you must enroll in Alerus Online and obtain a username and password. After you’ve logged into Alerus Online, click on the “Bill Pay” button and complete a brief application. Within one business day of submitting your application, you will see the “Bill Pay” button activated on the account you have selected as your payment account. To access bill pay, select the account you’ve assigned bill pay to then click on the “Bill Pay” button.
Alerus Online and bill pay are free to our customers with a personal account.back to top
One-time transfers initiated through Online Banking Services before 11 p.m. Central Standard Time (CST) on a business day are posted to your account the same day. One-time transfers completed after 11 p.m. CST on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. Scheduled transfers initiated through Online Banking Services before 6 p.m. CST on a business day are posted to your account the same day. Scheduled transfers completed after 6 p.m. CST on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day.
No, you will not. However, each online bill payment will be uniquely identified on your statement as a bill payment and will include the entity to whom the check was paid.back to top
When will I see a reduction in my loan balance as a result of a transfer to a loan using Online Banking?
Transfers to loans initiated through Online Banking Services before 11 p.m. Central Standard Time (CST) on a business day are posted to your account the same day. The loan balance will reflect the transaction the next business day.
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Cookies are online “footprints” that help us identify your computer and you as a valid user. To enable your cookies, select "Internet Options" from the Tools Menu, then click on the Privacy tab and click the “Advanced” button. Then click on the box next to “Always allow session cookies.” Click “OK” to exit the Advanced Privacy Settings box, then click “OK” to exit Internet Options.
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At Alerus Financial, your online security is a top priority. To reduce the risk of online identity fraud, we have introduced multifactor authentation.
Multifactor authentication is simply the combination of something you know (your username and password) and something that you have (such as a image, pass phrase, or token). You must use what you know and what you have to login successfully. We also refer to this as enhanced security.
You can change your image, pass phrase, and challenge questions at any time by selecting Options > Change Security Data.
Your current image will be displayed. Click on "Change Image." You will be presented with a library of hundreds of images. Click the box beneath the image to keep it as a possible image while you click on more images. Or, just click on the image itself to select it as your new image. You may also enter a new pass phrase or select different challenge questions and answers. Click submit when you are finished.
When you log in to computers for the first time or log in into a computer that you have identified as "public," you will be asked to enter a challenge question or receive a one-time e-mail passcode before your image is displayed. This offers enhanced security to reduce the risk of unauthorized use of your security data at an unknown computer.back to top
During the initial registration process and when logging into a new computer, you will be asked how you wish to register this computer. By selecting personal, your login process will be streamlined slightly. That computer will be remembered the next time you login.
However, thre are times when you are traveling or at work when you may not want to register your computer, as it is considered public and used by multiple individuals. The choice is yours. Once you have registered a computer, you cannot unregister it on your own. Instead, you must complete the initial enhanced security process again. Simply contact our customer care center for assistance.
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