• Online Banking: There will no longer be separate logins (URLs) to access Personal Online Banking and Business Online Banking. Online banking will now be accessed through a single URL. Stay tuned for the updated URL.
• Mobile Banking: Enjoy the convenience of a single mobile banking app for both personal and business needs. A new download link for the updated app will be shared soon. Zelle will be temporarily unavailable starting March 21st, lasting up to 30 days. We apologize for the inconvenience. In the meantime, please consider using another person-to-person payment method, or checks/cash. If you have any questions, we're here to help.
• Bill Pay: Paying bills for business accounts and personal accounts will now all be under the same login through our online banking services.

Access the new Online Banking. 

• A new Mastercard debit card will be issued and mailed to you 1-2 weeks prior to March 24, 2025. It will be contactless, so you can tap and pay, and it will have a different card number. You can activate your card and select a PIN by calling 1-888-227-3096. Please continue to use your current Debit Mastercard through Sunday, March 23. After this date, your old card will no longer be active; please dispose of it appropriately. 
• Debit Card Purchase Limits: Please note during the period of Friday, March 21 until Monday, March 24, your current daily transaction limits will be lower. Consider planning ahead and withdrawing any cash you might need before 4:00 pm on Friday, March 21.
• Upon completion of the conversion process on March 24th, the bank's standard daily transaction limits will be automatically adjusted to $1,000 for ATM withdrawals and $2,500 for point-of-sale transactions.

Usernames will only change if you have more than 15 characters or if you have the same username for personal and business online banking. Your password will be the last six digits of SSN or EIN. From there, you will be prompted to set up a new password and security questions. 

Apple and Android users will need to delete their old app and download the new app. We will provide you with the download instructions for the new app in March.

Download for iPhone. 

Download for Android.

Telephone Banking will be unavailable Friday, March 21, until 8:00 am on Monday, March 24.

Business Bill Pay: 

• Personal Bill Payees will convert over. Business Bill Payees will not convert over. If you used  Business Bill Pay by logging into Business Online Banking, you will need to manually recreate your existing payees on the new system after 3/23. We're available to help set up your new payees, just give us a call!

Intuit Quickbooks

• When connecting your accounts to QuickBooks, please be aware that there will be a 5-business-day delay in data synchronization. This delay will only affect your accounting data; payroll processing will not be impacted. QuickBooks should be ready for use by April 2. 

Business Online Banking - Establishing Secondary Users

• For our business customers, please note that our new system will only allow one Tax Identification Number (TIN) per login. If you have multiple users under one TIN, the primary user will need to log in after March 23rd and re-add secondary users.

Unfortunately, you will not be able to view your e-statement history in online Banking account after March 21, 2024. With this in mind, we recommend downloading or printing a year’s worth of statements for your records before March 21st. This can be done by:

1. Visiting our website at wraystatebank.com
2. Logging into online banking (personal or business)
3. Select the account in which you would like statements for
4. Click “documents” under the account title
5. Make sure the correct account is selected > make sure document type is estatements > select your date range > click submit
6. Print or save each statement

All customers will receive account statements as of March 21, 2025, for any activity since your last statement (a "cutoff statement"). This may result in some customers receiving two account statements for one cycle; one from the old internal system and another for activity on the new system from go-live until your regular statement date. *Note: the new system statements will look a little bit different. 

• Windsor's ATM will be down beginning Thursday, March 20, until Monday, March 24. 
• Wray's ATM will be down on Monday, March 24. Wray's ATM will function over conversion weekend with limits.