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Online and mobile banking can do much more than help you check a balance or transfer money. From budgeting and business management tools to account alerts and mobile deposit, many features are designed to make everyday financial tasks easier, more organized, and more secure.

Whether you're discovering a tool for the first time or looking to get more out of one you already use, a few helpful tips can make a big difference. We asked our Online Banking experts to share the features, shortcuts, and practical guidance they wish more clients knew about. Here are nine ways to get more from Baker Boyer Online and Mobile Banking.

1. Know How to Recover Your Login Information

It is easy to forget a username or password, especially when you have several accounts and logins to remember. In many cases, you can begin the recovery process directly from the Online Banking login screen by selecting the appropriate username or password reset option.

Keeping your phone number and email address current is also important because verification codes and recovery instructions may be sent using the contact information associated with your account.

To reset or change your username or password, view our step-by-step guide.

2. Connect Your External Accounts

You can link eligible accounts from other financial institutions within Baker Boyer Online Banking. This allows you to view more of your financial information from one dashboard rather than signing in to several different websites or apps.

Connecting an external account does not move it to Baker Boyer or change where it is held. It simply displays the account information alongside your Baker Boyer accounts, helping you better understand your overall financial position.

3. Set Up and Manage Two-Factor Authentication

Two-factor authentication adds another layer of protection when you sign in to Online Banking. In addition to entering your username and password, you may be asked to verify your identity using a code sent to your registered phone number or another approved method.

Keeping your contact information current helps ensure that verification codes reach you when needed. If you are having trouble completing the setup or receiving a code, confirm that the phone number associated with your account is correct and that your device has a reliable connection.

To update your two-factor authentication method, view our step-by-step guide.

4. Explore Business Online Banking Tools

Business owners often maintain separate profiles for their personal and business accounts. Within the Baker Boyer Mobile App, you can quickly switch between these profiles without repeatedly signing out and signing back in.

Business Online Banking administrators can also create additional users, manage permissions, reset passwords, and update access as employees’ responsibilities change. These tools give businesses greater control over their Online Banking access and can help resolve certain needs even when the bank is closed.

Businesses can also explore Autobooks, which allows them to send digital invoices, accept payments, and access additional financial management tools directly through Online Banking.

5. Set Up Alerts and Notifications

Account alerts are an easy way to stay informed without needing to sign in throughout the day. Depending on your accounts and services, you may be able to receive notifications related to balances, transactions, debit card activity, ACH activity, purchases, and security events.

Taking a few minutes to customize your alerts can help you monitor your accounts, notice unusual activity sooner, and stay aware of transactions that may require your attention.

Learn more about our advanced security controls, or visit our frequently asked questions page.

6. Review, Edit, or Cancel Bill Pay Transactions

Bill Pay can make it easier to schedule and manage payments from one convenient location. Before submitting a payment, carefully review the recipient, amount, payment account, and delivery date.

Depending on the payment’s processing status, you may be able to edit or cancel it within Bill Pay. Regularly reviewing your pending and scheduled payments can help you identify errors before a payment is processed.

7. Follow These Mobile Deposit Tips

A few simple steps can help your mobile deposits process smoothly. Before submitting a check, sign the back and write “Baker Boyer Mobile Deposit.” An incomplete or incorrect endorsement could cause the deposit to be delayed or rejected.

When taking photos of the check:

• Use a well-lit area.
• Place the check on a flat surface.
• Make sure all four corners are visible.
• Confirm that the check details are clear and easy to read.

After the deposit has posted to your account, keep the original check in a secure location for 10 days. Once that period has passed, shred the check to help protect your personal and financial information.

For more assistance with Mobile Deposit, please read our Mobile Deposit Frequently Asked Questions.

8. Build and Track a Budget

Budget Builder can help you better understand where your money is going. You can use it to create a budget, categorize spending, set financial goals, and monitor your progress over time.

The tool also allows you to view your assets and debts together, providing a more complete picture of your finances in one convenient place.

9. Try These Basic Troubleshooting Steps

Sometimes an Online Banking issue may be related to your device, browser, or mobile app rather than the Online Banking system itself. If something is not working as expected, try these basic troubleshooting steps:

• Refresh the page or perform a hard refresh.
• Clear your browser’s cache and cookies.
• Try signing in with a different supported web browser.
• Confirm that the mobile app is updated to the latest version.
• Check for software updates on your phone, tablet, or computer.
• Review saved passwords and autofill settings to make sure outdated login information is not being entered automatically.
• Restart your browser, app, or device before trying again.

Older devices, browsers, and operating systems may not always work as expected with current Online Banking features. Keeping your technology updated can improve compatibility, performance, and security.

Explore More of What Online Banking Can Do

Whether you are looking for a better way to track spending, manage a business, monitor account activity, or complete an everyday transaction, Online Banking includes tools that can help.

Take some time to explore the features available within Baker Boyer Online and Mobile Banking. You may discover a simpler way to stay organized, protect your accounts, and manage your finances.

For additional guidance, explore our Online Banking resources or connect with the Baker Boyer team.