Frequently Asked Questions
What is Bank of Orrick's routing number?
Who do I contact if there is an error on my statement?
If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, you can contact us by calling 816.770.3311, Monday-Friday, 8am-4pm or Saturday, 8am-12pm, Central Time. You can also visit us at the bank: 113 E South Front St, Orrick, MO 64077.
We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
When you contact us:
(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 it is an error or why you need more 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 (20 business days if the error involves an electronic funds transfer to or from your account within 30 days after the first deposit to the account is made) to do this we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
When are loan payments posted/credited?
Loan payments are posted/credited on business days. The business day used depends on the time the loan payment is made and the method used to make the loan payment. All loan payments must be made in U.S. currency and accompanied by either the account number or payment coupon.
(Business days are defined as Monday through Friday, excluding federal holidays. Please note that Bank of Orrick business day cut-off time is 3:00 p.m. CT.)
In Person — Loan payments received in person by 3:00 p.m. CT will be credited as of that business day. Loan payments received in person after 3:00 p.m. CT will be credited the next business day.
Night Deposit — A loan payment placed in the night depository at any of our branch locations after 8:00 a.m. CT will be posted the next business day. We discourage the use of the night depository during business hours.
Internet Transfers / 24-Hour Telephone Banking — Loan payments or other transactions, made through online banking or via the 24-hour telephone teller after 8:50 p.m. CT will be posted the next business day.
Mail — Loan payments may be mailed to:
Bank of Orrick
113 E South Front St., PO Box 199
Orrick, MO 64077
Any loan payments received via physical mail on business days by 10:00 a.m. CT will be posted on that business day. Loan payments received via physical mail on Saturdays, federal holidays, or after 10:00 a.m. CT on business days will be posted on the next business day. A loan payment mailed to an address other than the one listed above will be considered non-compliant and may take longer to process. Please allow for at least three days for mail to be received and be aware that we may receive your loan payment on a non-business day, further delaying its posting.
Loan payments received in a manner not listed above will be considered non-conforming and may take longer to process.
What is the difference between Online Banking and Mobile Banking?
The products are different, but they are integrated and use the same access credentials.
Mobile Banking is electronic banking designed to work with mobile devices such as cell phones, smartphones and tablets. Mobile Banking incorporates the most frequently used functions, including balance inquiry, transaction history, transfer, Mobile Deposit, and Bill Pay.
Online Banking is designed to work with a desktop or laptop, PC or Apple. Certain functions including image retrieval, scheduled transfers or setting up new Bill Pay payees will need to be done through Online Banking on a PC.
Is there a charge for Online Banking?
No. Online Banking is FREE. You may incur text or data charges from your mobile provider. If you choose to use the Bill Payment feature, there may be a charge for those transactions. Visit the Bill Pay page for more information.
How do I enroll in Online Banking?
Anyone with an account at Bank of Orrick may enroll for Online Banking.
Simply select the “Enroll” link from the top of this page. Select “Personal Use,” and then complete the first time user information and click submit. We will contact you to verify your enrollment request. Once verified we will send you system generated user ID and passwords via separate mailings.
On your first log in you will be prompted to create a new unique user ID and password. Next you will establish Enhanced Security for Multi-factor authentication which is in the form of three challenge questions that will be used to identify you on your computer. After you agree to the Terms and Conditions of Online Banking, you will be able to view your accounts online. You will receive an electronic banking disclosure via mail after enrolling.
How do I log in to Online Banking?
If you are already enrolled, you can log in here >
If you are not enrolled:
- Enroll in Online Banking >
- Click on Personal Enrollment and click the “I agree” button to accept the personal enrollment agreement.
- Fill out the Personal Enrollment Form and submit it to The Bank of Orrick. Once we receive the form we will call you to verify that you signed up for Online Banking.
- We will mail a User ID the next day and a password the day after that.
- Once you receive both letters, log on to www.bankoforrick.com with the provided User ID and password. You will then be prompted to create your own User ID and Password.
- Complete the additional security information. You will answer 2 questions for your password and 3 questions for you challenge questions.
- You are now logged in. To begin banking, select an account number from the “Accounts” tab.
Issues logging in the first time?
Make sure you are using the Username and Password that the bank initially sent you. Once you log in with the provided credentials you will be prompted to create your own username and password. Usernames and Passwords are case sensitive, so if the Username you chose is in capital letters, you need to use capital letters to log in as well.
If you have any issues or need assistance:
How do I enroll in Online Bill Pay?
- While logged into Online Banking, select Payment from the navigational toolbar.
- Input the requested information.
- Review and “Accept” the Bill Pay Terms & Conditions.
- You’ll receive an email confirming your enrollment.
How do I customize my account alerts?
- While logged into your Online Banking, select “Services” then “Alerts” from the navigational toolbar.
- Select the module type to receive alerts by account or user.
- Using the drop down option select what alert you want sent.
- Select an account number using the drop down option (if you have multiple accounts).
- Put in dollar amount if needed for alert.
- If you don’t want alerts sent during a certain time of the day, put times in.
- Select a “Send To” method (email or mobile).
– For email alerts, verify that your email address is accurate.
– For mobile alerts, verify that your phone number is accurate, input your Mobile Phone Number and select your Mobile Phone Carrier using the drop down.
- Select “Add”.
- Repeat process for each alert you’d like to receive.
How do I enroll to receive electronic statements?
- When logged into your Online Banking, select Services and then “Electronic Statement”.
- Review and “Accept” the Electronic Statements Terms & Conditions.
- Once you have accepted the Terms and Conditions you will receive a verification code. This code will allow you to continue the enrollment process.
- Input the verification code and select the accounts for which you’d like to receive eStatements.
- You’ll receive an email notification every time a new eStatement is available.
What if I forget my username or password?
If you forget your Username or Password, call the Bank at 816-770-3311 to have it reset. The Bank is available Monday-Friday 8 a.m.-4 p.m. and Saturday 8 a.m.-noon, excluding holidays.
Will any browser work for Online Banking?
Online Banking is compatible with the following browsers:
9.0 or higher
38.0 or higher
38.0 or higher
27 or higher
27 or higher
11.0 or higher
11.0 or higher
5.0 or higher
5.0 or higher
Where can I download the Bank of Orrick mobile app?
How do I enroll in Mobile Banking?
After you have successfully downloaded the app, enter your online banking credentials.
How do I make mobile deposits?
How to Enroll:
If you’re not currently enrolled to make mobile deposits, contact the bank at 816-770-3311 and request a Mobile Deposit enrollment form. Once we have the signed form back, you will be ready to go.
How to Make a Mobile Deposit:
- To get started, log in to the Mobile App, then click on the Deposits tab.
- To deposit a check, select New Deposit and select the account you want to deposit to.
- Enter the amount of the check you are depositing.
- Select take a photo of the front of the check, followed by a photo of the back. You will have a chance to review the photos and retake if necessary.
- You will then be asked to confirm the deposit before submitting to the bank for approval.
- You can verify your deposit was made by checking the History in the Mobile App.
Tips for Success:
- Deposits using Mobile Deposit require a restrictive endorsement. This means that after you sign the back of the check include “for mobile deposit only” below your name.
- When taking photos of the front and back of the check, be sure you capture all four corners of the check in the photo.
- Always keep your paper check until the funds from the deposit appear in your account.
- If you have multiple checks to deposit, you will need to enter the amount of each check individually, and then take photos of each check by itself.
- If you have multiple checking accounts, you will have to select which account should receive the deposit.
- You can check the status of previous deposits by going to the Deposits tab and then selecting View Deposit History.
Is Mobile Banking secure?
Yes. The Mobile Browser option requires a URL unique to each user as well as your Online Banking password.
Bank of Orrick App requires you to login with your Online Banking Username the first time you use it, but will always require you to use your Online Banking password each time you login to the app. All options require enrollment through Online Banking and are tied to your mobile phone number.
Is there a fee for Mobile Banking?
No. Mobile Banking is a free service but message and data rates from your mobile provider may apply.
Can I reset my password from my mobile device if I forgot my password?
No. You must reset your password through online banking.
What is the bank doing to keep my account information safe and secure?
Bank of Orrick has worked to create the safest possible online environment for our customers and employees. We have addressed several areas of security including:
Internal Systems: We have selected the hardware and software that is considered the most secure solution on the market by independent examiners. This solution creates an invisible wall, known as a firewall, between our systems and the outside world. Next, we have hired a highly certified company to remotely monitor the firewall 7 days a week, 24 hours a day, 365 days a year. At any sign of ‘hacking’, necessary steps are followed to ensure the safety of our systems, even it if means shutting down the firewall, thus preventing everyone from entering. All components are kept up to date in this fast paced world of technology changes.
Keeping Data Safe as it Crosses Over the Internet Data: The next step in security is keeping the data secure as it travels from our system to your computer and back. To do this, we’ve installed a VeriSign Digital ID Certificate. With this electronic certificate, the user and server are automatically in a secured session once the user has logged on. Data traveling between the user and server is encrypted. When an encrypted message is sent, the sending and receiving computers each generate a code based on the message content. If even a single character in the message content is altered in route, the receiving computer will generate a different code, and then alert the recipient that the message is not legitimate. We are using 256-bit SSL encryption to keep all of the traffic secure.
Educating Customers: Our staff has been trained to educate customers on the importance of keeping pertinent account and personal information private. You should NEVER give your account number to a source you do not know. You should NEVER give your passwords to anyone.
What can I do to protect my accounts and personal information?
Bank of Orrick takes numerous steps to keep your accounts and personal information secure, but you also must maintain the security of your own banking information. Here is what you can do:
- Memorize your Online Banking Username and Password.
- Remember to Log Off or close out of the browser window, especially when you are on a public computer.
- Keep your computer safe. Do not click on links or attachments created from sources that are not trusted. This will help prevent malware including key loggers from infecting your computer.
If you feel your computer has been infected, do not log on to Online Banking until you have had a professional determine it is safe to use.
What should I do if I feel my username or password may have been compromised?
If you feel your username or password has been compromised, immediately call our us at 816-770-3311 to have it changed.
Why is it important to "Log Off" when I finish using Online Banking or walk away from my computer?
Once you have logged on to Online Banking, you have begun an “active session.” If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM machine while your card is still in the machine.
For your security, Online Banking will automatically end your active session if there is not activity on your computer for 10 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting “Log Off” when you are finished or close your browser window.
What are my rights if an unauthorized person accesses my account?
Federal regulations protect you from unauthorized electronic transactions. These regulations not only protect you when you are in Online Banking, but when you are using credit cards, ATM cards, and ACH.
In most cases, you will not be responsible for unauthorized activity on your account. To find out more details about your rights and responsibilities contact us at 816-770-3311 or stop by in person.
I enrolled using my spouse's name and social security number. Why won't the Help Desk reset the log in codes?
Online Banking allows logged in users to see account information for every account that user’s name is connected to. Not all accounts for all married couples are joint. Even if they are all joint today, that does not mean that one of the spouses may open an individual account tomorrow.
Banks are under very strict regulations regarding privacy. If a spouse would walk into the bank and ask for account information on an individual account of the other spouse, the bank is not allowed to provide that information.
For that very reason, Online Banking accounts will not be reset for anyone other than the owner of the social security number of which the account is enrolled. It is recommended that all customers enroll themselves using their own name and social security number.
What is enhanced security?
Enhanced Security is a multi-layered authentication method of protecting your identity.
After the initial enrollment login process, your login credentials will go through an access process that begins when you type in your correct Username and Password.
The next step is checking the device you are using. If the system does not recognize the device, you may be asked to complete a Security Challenge question to ensure your identity.
There is also a geographical indicator. If you are trying to log in from a new location, you may be asked an additional question.