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Alerus Online Access

How do I get an access ID and password for Alerus Online?

The process for signing up for access is simple.

  • Click here to begin enrollment
  • Simply follow steps 1, 2, and 3

Step 1
This is Alerus Financial's Disclosure and Agreement to receive electronic communications. Once you have read the agreement, and you accept the terms, click on "Accept" at the bottom of the page and you'll automatically move to step 2.

Step 2
This is Alerus Financial's Online Banking and Bill Payment Service Agreement. Once you have read the agreement, and you accept the terms, click on "Accept" at the bottom of the page and you'll automatically move to step 3.

Step 3
This is Alerus Financial's Online Banking enrollment form. Simply complete the enrollment form, choose whether or not you'd like to apply for electronic bill pay (free of charge) and click on "Submit" at the end of the form. Your enrollment form is now in process.

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.

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How do I use Alerus Online?

Alerus Online is simple to use. Below is a description of the functionality available to you.

Account information
You can view most of your accounts, which you have access to at our institution, on Alerus online. All accounts associated with your user code and password will be categorized in the account list. The account list includes: 

  • Account Number
  • Type of Account (checking, lines of credit, savings, certificate of deposit, and loans)
  • Account balance
  • Account description

Detailed information for each of your accounts is available by simply clicking on your account.

Transactions
There are several views of information in the transaction section.

  • Previous Business Day Activity: These are all the transactions occurring the previous business day.
  • Previous Statement Activity: These are all of the transactions occurring during the last statement cycle.
  • Current Statement Activity: These are all of the transactions occurring during the current statement cycle.
  • Current Business Day Activity: These are all of the transactions pending for the current business day.

You also have the option of exporting your transaction information for use with a personal finance application such as Quicken or Microsoft Money.

Payments
This is Alerus Financial's Online bill payment service. Bill pay allows you to direct payment from your designated Online Bill Payment Account (checking account) to any third party. You can set up new payments, either one time or scheduled. Scheduled payments can be set for virtually any frequency you desire. Funds for payment made through bill pay feature are automatically deducted from your account on the date you specify the check to be issued. To ensure your payment is on time, you should schedule your payment at least seven business days prior to the due date on your bill.

Transfers
Loan payments and transfers between accounts are conducted with this feature. Transfers between accounts and loan payments can be scheduled transfers either one-time, or they can be scheduled for any frequency you desire. To establish a transfer, click the "Accounts" button. Then, click on the account you want the scheduled transfer to come from and click the "Transfers" button. Transfers can occur either one time or on a recurring basis. For a one-time transfer click the "One Time Transfer" button for more information. For a recurring transfer, click the "New Scheduled Transfer" button.

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What is Alerus Online?

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.

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How do I resubmit another payment to the same payee?

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. 

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How do I stop a transfer from being 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.

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How do I stop a bill pay from being made?

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.

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Whom can I pay using bill pay?

You may pay almost any payee you wish, but there are some several restrictions:

  1. The merchant must be located in the United States
  2. Payments may not be remitted to tax authorities or government and collection agencies
  3. Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade-taxing authorities
  4. Court directed payments are unauthorized (Alimony, child support, or other legal debts).
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Can I electronically pay bills from my account?

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.

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Do I need a separate access ID and password for bill pay?

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.

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Do I have to sign up for the bill pay feature right away?

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.

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What if I think someone has illegally obtained by access ID and/or password?

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.

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How current is the information on Alerus Online?

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.

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How do I use Alerus Online?

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.

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What if I forgot my password to Alerus Online?

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.

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How do I sign up for Alerus Online?

Simply click here to enroll now, log on to alerusfinancial.com and follow the instructions, visit any of our branches, branch locations, or contact us at 701.795.2662 in Grand Forks, 701.280.5151 in Fargo/West Fargo, or toll free at 800.279.3200, ext. 2662.

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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.
Bill payments requested before 3 p.m. CST are processed on the same business day. Bill payments submitted after 3 p.m. CST and on weekends and holidays will be processed on the next business day.

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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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Can I export my account history into a financial management software program on my computer?

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.

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Can I change my password for Alerus Online?

Yes. If you want to change your password, follow these instructions:

  1. Logon to Alerus Online
  2. Click the "password" button at the top of your screen and select Change Password
  3. Enter your existing password
  4. Enter your new password
  5. Enter your new password again for verification purposes
  6. Click submit

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.

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Can I use my AOL account to access Alerus Online?

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.

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Who can access Alerus Online?

Alerus Online is available free to any customer with an Alerus Financial personal account such as a checking or savings account, loan, or CD.

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How much transactional information is maintained on Alerus Online?

You can access transactional information for your current and previous bank statement.

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Can I export account history to my PC?

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.

  • From the accounts screen, click on the account from which you want to export information. This will take you to the "balance" page.
  • Click the Transactions button, which will display your previous day's transactions.
  • Click on the Export Transactions button beneath the account information. This opens a new page where you pick the date range to be exported and the format you want to export. Transactional information is available for your last three statements.
  • Choose the file format you wish to use (.QIF-Quicken, .OFX-MS Money, .CSV-other application). Click Export.
  • Your information will be downloaded, and you will then be asked to save the file.
  • Once saved, you can import it into the appropriate application: Quicken (.QIF), MS Money (.OFX), MS Excel/Lotus 1-2-3 (.CSV).
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How do I access Alerus Online?

To access Alerus Online simply follow these directions:

  • Access the Internet and go to Alerus Financial's website at alerusfinancial.com
  • From the home page, click Alerus Online
  • Under Personal, select Bank Accounts
  • You are now at the log on screen for Alerus Online

Signing on for the first time:

  • Log on to alerusfinancial.com
  • Click on the tab Alerus Online
  • Under Personal, select Bank Accounts
  • In the Access ID box, please enter your social security number
  • In the Password box, please enter the PIN we have provided
  • Press Submit

For security reasons you will be prompted to change your Access ID and Password.

  • Enter a new access ID. The access ID may be six to 19 characters in length. The ID may contain alpha and numeric characters.
  • Enter a new password. The password may be eight to 16 characters in length and must contain at least one alpha and one numeric character.
  • Confirm your new password by entering it again.
  • Both the ID and password are case sensitive.
  • Press Submit.

As will all personal information, we recommend you keep your new access ID and password protected.

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Can I transfer funds to or from other financial institutions?

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.

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Should my spouse and I share an access ID and password?

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.

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How can I sign up for bill pay?

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.

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How much does Alerus Online cost?

Alerus Online and bill pay are free to our customers with a personal account.

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When will transactions made through online banking be credited or debited from my account?

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.

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Will I be able to number my online checks when I perform a bill payment?

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.

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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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What are cookies and why do I need them to use Bill Pay?

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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What is multifactor authentication or enhanced security?

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.

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How can I change the image used for my login to Alerus Online?

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.

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After I enter my username, I am prompted to enter a challenge question. Why?

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.

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What is the difference between a personal and a public computer?

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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