Online Banking

Online Banking is an Internet-based service that provides you a safe and convenient way to do your banking. With Online Banking, you can view your account balances, transfer funds, view cleared checks, send service requests to the bank and more.

With Online Banking you can:

• Check current balances on personal checking, savings, money market, Certificates of Deposit (CD), Individual Retirement Accounts (IRA) and business checking accounts.
• Transfer funds between your accounts.
  View up to 12 months of account activity for your accounts.
• View cleared check images.

Send online customer service requests to:

• Reorder checks.
• Inquire about a specific transaction.
• Inquire about opening a new deposit account.
• Inquire about applying for a new loan.
• Ask a technical question.
• Send and receive secure messages or questions from customer service.

Online Banking is free of charge.

• A deposit account with Kress National Bank
• Internet access
• One of the following recommended Internet browsers
  • Microsoft Edge
  • Google Chrome
  • Mozilla Firefox
  • Internet Explorer - if still supported
• An e-mail address

Upon completion of the Online Banking sign-up form, the Bank will review your information submitted within one (1) business day.  Upon approval, you will receive an email notice from the Bank welcoming you to the Internet Banking system.

You may also sign-up for Internet Banking on-site during normal business hours.

After approval, access to your accounts is available 24 hours a day, 7 days a week.

If you forget your Login ID or password, you should call Customer Service at (806)-684-2231.

Yes. Kress National Bank is committed to making Online Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 128-bit SSL encryption.

All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Kress National Bank.

At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact Kress National Bank's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

• Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Kress National Bank.

• Encryption scrambles transferred data.

• Data integrity verifies that the information sent by you to Kress National Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

To help protect your privacy while you are using the service, we will sign you out of the Online Banking service after 20 minutes of inactivity.