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NEW Online & Mobile1 Banking

Online Banking just got a whole lot better with powerful new features and a simple user experience that is the same across all your devices. 


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Online Banking made simply better

Our new online banking experience provides a simply better way to manage your money, track spending, transfer funds, pay bills and more!  Discover whats new in Online Banking, download our Guide To New Online Banking Features.

New Features


Easy External transfers

Easily send money securely to or from MidWestOne and your linked external accounts.


Manage your Finances

Link external accounts to view balances and manage your money, securely in one convenient place.


Debit Card Controls

Instantly lock/unlock your Debit Cards.


Spending tools

Track your spending and set savings goals with our new personal spending tools.


Real-Time Customer Support

Need assistance? Secure messaging & Live Chat is available.

Standard Features


24/7 Online & Mobile1
Account access

Enjoy 24/7 access to your accounts across all of your devices, securely anywhere you go. 

Checking Icon

Fast Balances

See your balances without signing in to the MidWestOne Mobile app.1

Fast Balances was previously called Instant Balance.


Mobile Deposit

Deposit Checks from home with the MidWestOne Mobile app.1

1Message and data rates may apply.


Send Money with Zelle®

Send money securely to anyone you know and trust in the USA.

Learn More


Online Bill Pay

Pay your bills on time, online, without the hassle of checks.


View eStatements

View account statements securely online anytime.


Find Branch & ATM Locations

Need cash? Instantly find and get directions to a MidWestOne branch or ATM near you.


Get to know the New Online Banking

Before you login, get to know the new features and take a virtual tour of the new new Online Banking with our click-thru demo and video introduction.

Try the Online Banking Demo   Try the Mobile Banking Demo

Click-thru demos are provided for illustrative purposes only and mimics actual form and features. While no real accounts are used or affected during the demo, please DO NOT enter any personal information such as your account number, username or password. If at any point in the demo you are asked to enter information to proceed, simply press any key on your keyboard to continue.

View video introduction to the New Online Banking

View our video introduction to the new Online Banking.

View video introduction to the New Mobile Banking

View our video introduction to the new Mobile Banking.

What to expect the first time you login

We know online & mobile banking access is important to you – now more than ever. We’ve taken steps to minimize the disruption, and want to make sure we’re providing all the information you need to prepare ahead of time. Here’s how you can expect the login process to go. Download our Guide to Logging in to Personal Online Banking for the First Time.


01: Before Launch

Please verify your telephone number on file is correct and that you know your full username and password. You’ll need all of this information to log in the first time. If you want to confirm this information, contact your local office or our Service Center for assistance.

Accessing Online Banking

02: Accessing our website

Visit and use the same login box on the right side of the screen. This is the only page you should have bookmarked for future logins.


03: Logging in

Enter your current username and password for online banking and click Login.

2-step verification

04: Change your password

Select a new password – unique from your current online banking password – to use for future logins.


05: eAlerts

Remember to make a list of your favorite account alerts, so that you can recreate them after launch.


06: Mobile App

Open the MidWestOne mobile app1 and follow the on-screen prompts to upgrade the app. Use your existing username and updated password to login.


07: Enjoy the new features across all devices

Card Controls, Spending Tools, Internal/External Transfers.


How to Guides

These quick-start guides make it easy to get up and running with Personal Online Banking and begin using it's new features.

Logging-in for the first time (existing users)

How to Enroll for eStatements

How to Register for Online Banking (new users)

New Online Banking - Arrives Sept 28, 2020

Frequently Asked Questions

What is changing with online banking?

You’ll notice a new user interface and new features, while retaining our standard online & mobile banking features. Download our New Online Banking Features Guide.

New Features:

  • New Card control features: Temporarily lock and unlock your debit card
  • New Spending feature:  Allows you to categorize transactions, link external accounts, set a budget, and savings goal.
  • New Transfer features:  Send money to other accounts at MidWestOne and your external accounts.
  • New access to your MWO Credit Card:  View account balances and pay your monthly statement with a single sign on.
  • New Two-Step Authentication:  Your security is our utmost priority.  You will be asked to either receive a text message, a call, or answer out of wallet questions as an added security measure when logging in for the first time from a new device and periodically to maintain our high level of online security.
  • New live chat feature:  Receive real-time, secure help with your accounts from our Service Center. Available during standard business hours. 
  • New secure messaging feature: Send and receive secure messages with our MidWestOne Service Center.

What will I see the first-time I log in?

If you are current Online Banking user, please se below or Download our Guide to Logging in for the First Time.

  • The first time that you log in to the new Online Banking, you will log in using your current username and password. You will be asked to update your password after logging in.
  • Your username will stay the same.
  • To protect your accounts online, a new two-step verification process is used to authenticate your login. This ensures that only you can access your accounts.
    • You will receive a text message or phone call at the phone number assigned to your accounts.
    • If we are not able to authenticate your login using your current phone number, you will be asked to answer security questions.
    • If you need assistance, please contact our Service Center at 800.247.4418
  • Once you’ve logged in, you’ll see all your accounts in a new interface and have access to exciting new features like debit card controls and spending tools.

Will I have to change my username/password?

You will use your current username and password to login for the first-time. To ensure that you are protected by the most current online security best practices, all personal Online Banking customers will be asked to set a new secure password after they log in.

Why do I have to use the text message or call to login?

To ensure the highest-level of security of your accounts, we use two-factor authentication to verify that only you are able to access your accounts online. 

If you do not have a current phone number on your account, you will be asked to answer security questions each time you login to access your account using Online Banking or the Mobile App.

What do I need to do to prepare?

If you are a current Online Banking user, please login verify your phone number to ensure that your information is correct. You can do this by logging in on our website and clicking the Profile link in the upper right corner. Your phone number will be used to login for the first time when you sign in to the new online banking.

Do I need to download a new app?

No. If you're a current Mobile Banking user, an app update will be available automatically when the new Online Banking is available. You will not need to download and install a new app. Please follow the on-screen prompts on your device to update your app.

You will need to update the app to continue to use Mobile Banking on your device after launch.

Will my scheduled/recurring transfers still go through?

Yes. Any scheduled/recurring transfers that you have set-up will continue after launch.

Will my alerts stay the same?

No. If you’re a current eAlerts user, we strongly recommend that you make a list of your favorite account alerts, so that you can recreate them after launch.

Is anything changing with Bill Pay?

No. If you’re a current Online Bill Pay user, your payment history, payees and scheduled payments will continue after launch.

Will I have to re-enroll in eStatements?

No. Your choice to enroll in eStatements will remain the same.

Can I use my fingerprint/facial recognition to log in to the app?

Yes. Once you've downloaded the app update and logged in for the first time, you will need to re-enable the biometric login. Tap on the Profile menu, then Profile Updates, then Authorized Device Enrollment. Follow the on-screen prompts to enable your biometric login. You can also access from the log in screen by selecting either Fingerprint or Face ID and following the prompts.

Can I change my account nicknames?

Yes. Your existing nicknames should carry over in the conversion. To change a nickname, click on the account nickname from the Account Summary screen. Then, under Account Details, the current nickname will display with a link to change it directly underneath.

Do I need to change any bookmarks?

Please bookmark our home page, for all your login needs.


1Message and data rates may apply.