Bank to Bank Transfers FAQs

• Complete and submit our Bank to Bank Transfer Application
• Once you are notified that Bank to Bank Transfer access has been added, log into your Home Branch account and click on Bank to Bank Transfers in the main Home Branch menu bar
• Read the Transfer Agreement, check “I Agree” and click the Accept button

• In the Bank to Bank Transfers sub-menu, click on Add Account
• Enter your external account information.  Note: the “Account Name” is what will appear in the list when you are selecting an account to make a transfer, and does not get sent in the transfer file.  Be sure to give you external account a name that will be easily identifiable for you.
• Choose the account type and click the Submit button
• Read the message about how to verify your external account

• After you enter your external account information, the Bank to Bank Transfer system will send a small deposit and matching withdrawal to the receiving bank account
• log into your external bank account (or call your financial institution if you do not have online banking) and note the transfer amount
• log into your Coulee Bank Home Branch account and go to Enrolled Accounts in the Bank to Bank Transfer sub-menu
• Enter the amount of the small transfer in the verification box and click submit (Note: Do not enter a dollar sign ($) or decimal point (.) when entering the transfer amount for verification.)
• If you have entered the correct amount, the account will display a "Verified" status and you may then schedule transfers.

You have seven calendar days after you enroll your external account to look for the test deposit and enter it into the system to confirm the enrollment. If you are unable to verify within seven days, simply re-enroll your account to restart the process.

Note: If you have to restart the enrollment process because the seven days expired, be sure to use the most recent test deposit amount when verifying your account.

Yes, you may have a maximum of four (4) external accounts.

Yes. In order to protect your identity and personal information we need to verify that you are the person making this request. Every customer is required to fill out a new application when modifying an account or financial institution. Download the application. A $10.00 fee will apply for any additions or modifications after the initial application has been processed.

There is a daily limit of three inbound and three outbound transfers and a daily cap limit of $50,000.00 for incoming and $10,000.00 for outgoing transfers.

If you need to transfer larger amounts, plan to use Wire Transfer services. Contact one of our customer service representatives for assistance with a wire transfer.

If the transfer request is completed before 2:00 p.m. Central Time on a business day, the funds will post in two business days. For transfer requests completed after 2:00 p.m., look for the funds to arrive in three business days.

Note:  Transfers are only processed on business days. No processing is done on holidays. If the transfer date falls on a holiday or weekend, the transfer will be processed on the next business day.

You may schedule recurring transfers or single transfers with a future date. These transfers will count toward your daily limits on the day the transfer is scheduled to occur. If you schedule a future outgoing transfer and available funds on that date are less than the transfer amount requested, the transfer will be rejected and you will need to resubmit if for that occurrence.

Note: If you schedule an incoming transfer for which the amount exceeds the available balance in the external account, that financial institution may charge you fees related to insufficient funds.

The service is limited to personal consumers. Businesses may access ACH services for similar transfers. Contact our Operations Department for assistance with our ACH service for businesses.