VaultLink Online - Frequently Asked Questions

  1. What is VaultLink Online? 
  2. What are the System Requirements 
  3. How do I register for VaultLink Online? 
  4. How many months of activity can I view or download? 
  5. Check Card authorizations shown online are higher than my receipt. 
  6. What is the charge for using VaultLink Online? 
  7. What do you mean by normal account fees? 
  8. How safe is online banking? 
  9. What is Multifactor Authentication? 
  10. Why isn't VaultLink Online accepting my password when I've used it before? 
  11. Can I download information into a personal money manager? 
  12. Things are not working, what should I try first? 
  13. Can I make a Waukesha State Bank loan payment online? 
  14. Will I be able to access my Waukesha State Bank credit card information online? 
  15. Where and how often may I change my VaultLink Online password?
     

Please Note: Joint account holders cannot use the same Access ID to enter VaultLink Online.

What is VaultLink Online?

VaultLink Online enables you to access your personal account information via the Internet. You may access information such as balances, transaction activity and daily presentments. In addition, VaultLink ONLINE can be used to transfer funds between accounts, make loan payments and bill payments. It is also possible to download an account's transactions into Quicken and other popular money management software

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What are the System Requirements

Click here for the current VaultLink Online system requirements. In addition, your browser must be capable of 128 bit encryption and have this feature enabled. While you may be able to gain access and use some or all of the features using systems which deviate from the recommended system requirements, we cannot offer support on such products. Our support is limited to ensuring that the feature or product in question is functioning properly with a system meeting the current system requirements. Software updates occur periodically without notice and this may change the current system requirements. If you are having difficulties with the system, please check to see that you are within the recommended requirements.

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How do I register for VaultLink Online?

It's easy! Simply click the “Enroll in VaultLink Online Banking” link in the Online Banking section on the homepage. After completing a short registration form, you’ll have immediate access to your personal accounts.

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How many months of activity can I view or download?

You can view or download your current and one previous statement cycle for most accounts. You also can view and print copies of your statement for the previous eighteen months.

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Check Card authorizations shown online are higher than my receipt.

When reviewing Current Business Day Transactions, sometimes you will see "CARD AUTHS" (Visa check card authorizations) for $1.00 or an amount higher than your receipt. This happens because a merchant will place a $1.00 authorization on a card prior to purchase, for example at a pay at the pump gas station. Merchants, such as restaurants, sometimes authorize for a small percentage higher to cover a possible gratuity. The actual charge will be correct when it is posted to your account.

This is not unique to the checkcard. Credit card purchases work exactly the same way. You simply do not see the authorizations because only actual transactions show on your statement. Real time access allows you to see these temporary authorizations. If you are concerned, check your account after a few days. If it is still incorrect, please call our Customer Service Center during business hours at (262) 549-8531.

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What is the charge for using VaultLink Online?

There is no charge for using the VaultLink services and features, however your normal account fees still apply.

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What do you mean by normal account fees?

Examples of these fees are transfer fees, check writing limits, overdrafts, and fees for not maintaining a minimum balance. These were disclosed to you at the time you opened your account. VaultLink and VaultLink Online transfers count toward your telephone or electronic transfer limits. If you have a question about your particular accounts, please call our Customer Service Center during business hours at (262) 549-8531. Our customer service representatives would be happy to review your accounts with you.

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How safe is online banking?

VaultLink Online counters security threats with a technology called SSL (Secure Sockets Layer). SSL is a set of rules followed by computers connected to the Internet. These rules include encryption, which guards against eavesdropping; data integrity, which assures that your communications aren't tampered with during transmission; and authentication, which verifies that the party actually receiving your communication is who it claims to be. We always recommend that you use the strongest possible encryption available whenever sending confidential information. Additional security features are used to verify your identity using Multifactor Identification.

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What is Multifactor Authentication?

The Layered Authentication is a security feature designed to protect the privacy and security of your personal information. The display of the Authentication image and pass phrase verifies you are at our Web Site, not a fraudulent look-alike site. The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information. Registering the computer(s) you normally use to access your information provides additional security to verify your identity.

When using a non-registered computer or if you delete Cookies, one of your security questions is used to verify your identity.

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Why isn't VaultLink Online accepting my password when I've used it before?

There are a few causes for this:

  1. Ensure you are entering your Access ID & Password correctly. For your security, your password requires a minimum of 8 and maximum of 17 characters. It must incude at least one uppercase letter, one lowercase letter and one numeric character. To enhance the security of your password, you also may choose to include special characters, such as: *, $, #, @, etc. Please note that all passwords are case sensitive.
  2. If you haven't logged in for 4 months or more, your Online account will be disabled for security reasons.
    Solution: Call Customer Service Center at (262) 549-8531 during business hours.
  3. Your browser setting has been changed and you are no longer accepting cookies. VaultLink Online requires that a temporary, session cookie be set.
    Solution: Change browser settings to accept cookies.

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Can I download information into a personal money manager?

Yes, select the account you wish to download then go to Transactions and select Transactions Menu. From the Transaction Search box, choose your criteria and select export. VaultLink Online allows you to export transaction details into Quicken and other popular money management software.

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Things are not working, what should I try first?

Sometimes, the solution is as simple as clearing your browser's cache (old versions of pages saved to your hard drive for faster loading). Your computer's cache stores the web pages of the sites you visit on the Internet. It does this to load pages faster the next time you visit the site again. When you visit a site, your browser checks to see if the cached page is the same version as the page on the site. If the cache has the same version as web site, your browser will display the page it has; otherwise your browser will download the new page. Sometimes the cache doesn't load the new page and simply shows you the one it has. By deleting the pages stored in the cache, your browser is forced to load the current pages from the web site.

Follow these directions to clear or delete your cache.

Internet Explorer

  1. In the top tool bar, go to Tools
  2. Select Internet Options.
  3. On the General Page - Select Delete
  4. Delete Temporary Internet Files (you may Delete All or delete any of the other History settings)
  5. Click OK

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Can I make a Waukesha State Bank loan payment online?

Yes. You simply transfer the amount due to your loan account from your checking or savings account. You may make a regular or principal payment using Express Transfer. You also may setup reoccuring payments under Scheduled Transfers.

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Will I be able to access my Waukesha State Bank credit card information online?

Waukesha State Bank uses a third party to process credit cards, as do many other financial institutions. Information about your credit card may be obtained by clicking on the Access Your Current VISA Credit Card Account* link from the Credit Cards page. You will leave our site and go to our Credit Card provider, Elan.

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Where and how often may I change my VaultLink Online password?

From the VaultLink Online menu, you may change your password as frequently as you like. We recommend that you change it periodically to ensure the safety of your account information. While logged on to VaultLink, click on Options and Change Password.  Your password requires a minimum of 8 and maximum of 17 characters. It must incude at least one uppercase letter, one lowercase letter and one numeric character. To enhance the security of your password, you also may choose to include special characters, such as: *, $, #, @, etc. Please note that all passwords are case sensitive. Note: We require periodic password changes for security purposes. If you do not voluntarily change your password from time to time, there will be occasions when you must change your password before you may access your accounts.

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