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Digital Banking is like working at the bank! You have the convenience of all of your banking information right at your fingertips! No more waiting in a line, calling the bookkeeping department on the phone, or waiting for your statement to come in the mail. Even at 3 a.m. in the morning, you can see what we see! With our convenient Digital Banking service, you can safely and securely stay connected to your financial information and manage your accounts any time of the day or night via an internet-enabled computer or mobile device. Sign up for Digital Banking or download our Mobile App above!
Summary
What is Bill Pay?
Murphy‑Wall Online Bill Pay is a secure digital service that lets you manage and pay your bills directly through Digital Banking. It replaces writing checks, mailing payments, and visiting multiple websites by giving you one convenient place to handle all your expenses.
Here’s how it works:
You choose the company or individual you want to pay, enter the amount, and schedule the delivery date. Payments are sent either electronically or by mailed paper check, depending on the payee. Most payments are delivered within 2–7 days, and you can set up recurring payments or reminders for added convenience. eBills are also available from eligible providers, allowing you to receive your bill details, such as balance due and due date, right inside your account.
You can use Online Bill Pay to pay:
For a list of fees and charges for Bill Pay, please read our Terms & Conditions.
What it is:
The Murphy‑Wall Mobile Banking App lets you securely access your accounts from your iPhone or Android device anytime, anywhere. Once enrolled in Online Banking, simply download the app and log in with your existing username and password. Your information is protected through encrypted connection and optional PIN login for quick access.
Here’s how it works:
After logging in, your linked Murphy‑Wall accounts appear automatically. You can view balances, search recent transactions, make loan payments, transfer funds between your accounts, and use Bill Pay if you’re already enrolled online. Transfers update your available balance immediately, and future‑dated transfers can be scheduled in advance. You can also customize your experience by renaming or reordering accounts within the Settings menu.
What you can use it for:
Find out more by watching our tutorials
Read our User Guide for Consumer Accounts
Read our User Guide for Commercial Accounts
What is mRDC?
Mobile Remote Deposit Capture lets you deposit checks quickly and securely using your smartphone, no trip to the bank required. From the Murphy‑Wall Mobile Banking App, simply snap photos of the front and back of your endorsed check and submit it for deposit. MRDC is available to consumer customers with eligible Murphy‑Wall checking accounts in good standing.
Here’s how it works:
After logging into the app, choose “Mobile Deposit,” enter your deposit amount, and upload images of your check. Checks must include a proper restrictive endorsement: your signature, “For Mobile Deposit Only,” and your deposit account number. Deposits submitted before 3:00 PM CST on business days are typically credited the same day; later deposits are processed the next business day.
You can use MRDC to deposit:
Daily and monthly limits apply, and fees may apply after your first free monthly deposit.
E‑Statements give you fast, secure access to your bank statements and notices online instead of by mail. Once enrolled, you’ll receive an email alert when your new statement is ready, and you can log in to Online Banking to view, download, or print it anytime. Your last 90 days of statements are stored electronically for easy access, and you can save copies for your records whenever you need.
Here’s how it works:
After you give consent in Online Banking, paper statements stop and your statements become available electronically through our secure system. If your email address changes, simply update us to ensure uninterrupted delivery. You can withdraw your consent at any time.
What you can use e‑statements for:
What is The Elite Package?
The Elite Package is an optional upgrade that adds premium digital banking benefits to any Murphy‑Wall personal checking account. With a small monthly fee, customers gain enhanced convenience, stronger security tools, and expanded digital banking limits.
Here’s how it works:
Enrollment must be completed at a branch or through approved electronic delivery. Once activated, the Elite Package adds upgraded features to your existing Digital Banking profile. Depending on the package you choose, you receive annual perks, higher transaction limits, and optional ID protection services.
What you can use the Elite Package for:
To use our telephone or mobile banking services you must be a customer of Murphy-Wall State Bank and Trust Company and have a signed Electronic Banking Agreement on file. Read our Electronic Banking Service Terms and Conditions for complete details.
*There is no charge for using our Telephone Banking service or the Murphy-Wall Mobile Banking app. However, message and data rates may apply. Check with your carrier for any fees that may apply.
**Additional fees may apply. Please refer to your Electronic Banking Service Terms and Conditions for complete details.
***Person‑to‑Person (P2P) payments allow you to send money to an individual through Bill Pay. These payments are issued as mailed checks, and delivery times may vary. P2P is intended for personal payments only and should not be used for commercial or business transactions.