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Baker Boyer Routing Number is 123300153. The Bank Routing number and your account number can be found on your checks as seen in this illustration.

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Bill Pay makes it easy to pay your bills to a business or even send money to another person from anywhere, on any device, anytime you like. You can visit this web page to learn more, or view this "explainer video" that helps you understand how Bill Pay works.

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Direct Deposit is a free service that automatically deposits your paycheck into any Baker Boyer checking or savings account. Click here for directions and the enrollment form.

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Visit the Federal Trade Commission for an informative website to help if you or someone you know has been a victim of identity theft.

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Business Online Banking

For details about why and how to use the Remote Deposit Capture system for Business, please watch this two-minute video

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Checks

Check orders can be placed here through our check ordering partner Harland Clark. 

If you have any questions, concerns, or would like to have a Baker Boyer representative help you with your order, feel free to call us at (509) 525-2000. 

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eStatements

  • You will need Digital Banking to access eStatements. If you do not currently have access to Digital Banking, please contact Baker Boyer. One of our Personal Bankers by Phone will be happy to assist you with setting up a profile.
  • eStatements can be accessed by clicking 'eStatements' in the menu on the left-hand side of the screen or from the drop-down menu in the Baker Boyer Mobile app.
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  • eStatements are viewable at easy-to-download PDF documents.
  • You will need Adobe Reader to view them. Most browsers should already have this service enabled.
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You may access up to 5 years of eStatements history.

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Debit Card

You have the option to:

To activate a new card:

  • Select the card that needs activated
  • Select “Activate New Card”
  • The card is now active for electronic transactions. If you need to make PIN based transactions, the PIN will need to be activated at an ATM by doing a balance inquiry.

To lock a card:

  • Select the card that needs locked
  • Toggle the card “off”
  • A popup will appear confirming you wish to lock the card. You can easily re-activate the card active again by toggling the card on.

To report a lost or stolen card:

  • Select the card that needs to be reported
  • Select “Report Lost/Stolen”
  • A popup will appear asking you to confirm if the card was lost or stolen.
    • Select “Report” to continue. This will permanently deactivate the card.
    • *Please contact the Digital Banking department after taking this step so we may order you a new card.
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Locate the “Card Management” section. If it is missing from the Dashboard, scroll to the bottom of the screen and click “Organize Dashboard”. You can adjust the order of the information displayed and add missing cards by clicking “Add a Card”. Click “Done”, and you will return to the dashboard.

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You can create alerts based on merchant types, transaction types, and spending limits. Alerts based on location only applies to international transactions. Baker Boyer asks clients to contact us before traveling internationally or making international transactions. To protect our clients while traveling and making purchases, individual countries are opened for authorizations instead of a blanket authorization. If you have questions, please contact Digital Banking.

If you would like to receive a notification for each transaction on the card, toggle the “Protection” options on. Notifications will be sent out based on the options selected in the “Notifications” settings.

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Visit the Visa site to learn how to receive text or email alerts on qualified transactions with your Visa card. Purchase Alerts can help keep your accounts secure by empowering you to catch fraud.

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Yes. However, to minimize the risk of overseas fraud, international charges may be restricted without prior authorization. Therefore, if you plan a trip outside the U.S., please contact us in advance to ensure you have access to your funds. 

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If your card is lost, compromised, or you suspect it to be stolen, don’t hesitate—please contact us immediately in person or by phone.

If outside of regular business hours, please call the following number to report a lost debit card: 855-293-2456 (within US) and 206-389-5200 (outside US).

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You have the option to block all transactions or receive notifications when transactions are attempted by the merchant types seen below:

TypeExamples
Age RestrictedLiquor stores, smoke shops, casinos, adult stores, etc.
Department StoreClothing, accessories, office supplies, electronics, etc.
EntertainmentAmusement parks, movie theaters, arcades, etc.
Gas StationFuel dispensers, warehouse club gas, etc.
GrocerySupermarkets, bakeries, butchers, etc.
HouseholdUtilities, contracted services such as electricians, plumbers, A/C repair, etc.
Personal CareDrug stores, pharmacies, health professionals, etc.
RestaurantDiners, fast-food, cafeterias, etc.
TravelAirlines, car rentals, hotels, etc.
OtherPurchases at other merchants
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You can create alerts based on individual transactions and on monthly transaction limits. Baker Boyer debit cards have a default daily purchase limit of $2,500.00. If you need custom or temporary limit adjustments, please contact Digital Banking.

Alert TypeDefinition
Spending LimitTransactions over this amount will be blocked and an alert  will be sent to the user.
Spending AlertTransactions over this amount will be blocked and an alert will be sent to the user.
Monthly Spending LimitTransactions that will bring the user's monthly spending over this amount will be blocked and an alert will be sent.
Monthly Spending AlertTransactions that would bring the user's monthly spending over this amount will send an alert but will not be blocked.
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You have the option to block all transactions or receive notifications when these types of transactions are attempted:

TypeExamples
ATMBank ATMs, vendor ATMs, cash advances, etc.
eCommerceOnline bill payment, online shopping, etc.
In StoreDepartment stores, pharmacies, other retail stores, etc.
Mail/Phone OrderCatalog shopping, travel agent payments, etc.
RecurringAutomated bill pay, monthly expense payments, etc.
OtherOther cases outside of standard types.
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Visit the Federal Trade Commission for an informative website to help if you or someone you know has been a victim of identity theft.

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Digital Banking

Notifications must be established by each individual user within their own profile. The steps below will guide Users on setting up email notifications of ACH activity, both credits and debits, on accounts they are granted access to.

1. Log in to Baker Boyer’s Digital Banking Solution.
2. Click on the Business tab, located in the menu on the left-hand side of the screen.
3. In the Business side, click on the Personal Options tab.
4. Verify the Current Email Address is accurate. (Company Email Address should not be changed.)
a. If needing to update the email address, do so at this step, click the green Submit button.
5. Select the Alerts option. (User may need to scroll up to see this option.)
6. Select Events.
7. Check the Email box for Receiving Incoming ACH Debits and Receiving Incoming ACH Credits.
8. Scroll down, click Submit.
9. The next page will ask you to confirm your email address for the alert to be emailed to. Review for accuracy, then click Accept.
a. If needing to update the registered email address, click Cancel,
10. The process is confirmed once the User receives an “Information Message” after these steps that reads Successfully saved Alert Watches.

The following pages contain sample screen shots. For additional assistance and troubleshooting, please contact Baker Boyer Bank’s Digital Banking Department at DigitalBanking@bakerboyer.com or call (509) 525-2000 and ask for the Digital Banking Department.

*** If an ACH transaction is unfamiliar to your business, and you suspect fraud is occurring, contact the Bank immediately. ACH regulations have especially small (48 hours) timelines for returning unauthorized transactions.

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No. We will create an electronic deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.

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  • Digital Banking can be accessed by using a web browser or the mobile app. When using a web browser always make sure you are using the most current version of the browser.
  • Digital Banking can be accessed by navigating to www.bakerboyer.com and clicking on the green Online Banking button on the upper right of the toolbar.

If you do not have a current online banking profile, please contact the bank. One of our Personal Bankers by Phone will be happy to assist you.

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In many cases, clearing your browser history will resolve difficulties accessing web-based applications like digital banking. Here are simple steps to clear your history in the most common browsers. 

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You may use the Message and Support Conversation options to send and receive secure communication with our Personal Bankers by Phone. Documents can be sent and received securely using these options as well.

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Personal users click Payments in the left navigation. Then, on the Payments page, select Bill Pay on the upper right.

personal payments screenshot

Business users click Business in the left navigation. Then, on the Business page, select Bill Pay at the top left.

Business Payments screenshot

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Baker Boyer’s digital banking solution – both for web and the app – has been completely upgraded! It has a new design, customizable layout, added budgeting and tracking tools, and more. Go here for more information, videos, and tutorials. Or visit our Digital Banking Q&A for answers to frequently asked questions.

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Setting up Account Alerts will ensure you receive a notification for a large dollar transaction, low balance, or other important activity. You can also set alerts for withdrawals and balances. Alerts are set per account. Please view this step-by-step guide to get started with Account Alerts.

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In the Baker Boyer Digital Banking app, you can register your multiple online banking IDs and switch between profiles with the press of a button. No more signing in and out with different passwords.

Follow these steps to add additional accounts:

  • Step 1: Login to the Baker Boyer Digital Banking App and open the main menu (the three lines in the top left).
  • Step 2: Open the profile menu by selecting the arrow next to your account name at the bottom of the screen.
  • Step 3: Select “Add profile” or “Switch profiles”. The app will invite you to login with the other profile.
  • Step 4: After you have logged into the second profile, you will be able to switch between profiles. This can be done on the login screen or inside the profile.
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Cookies' must be enabled in your browser in order to access our digital banking solution. View this step-by-step guide to verify that cookies are enabled correctly. 

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Your full Bill Pay history (18 months) can be accessed from Payments by clicking Bill Pay.

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From the Payments page, click on Bill Pay. On the Payments tab, in the Scheduled section, click Edit to see the details and confirmation number.  If the payment has already been made, in the History section click on View.   

Special note for Business Users: First select Business, then Bill Pay.

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View this page for best practices for saving and using 'bookmarks' for digital banking links. 

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Yes, there are additional options in Bill Pay to pay a person by check or electronic transfer using their banking information, in addition to sending payment via email.

From the Payments page, click on Bill Pay. Then choose the Pay a Person tab at the top to select your choice of delivery.

Special note for Business Users: First select Business, then Bill Pay. Next choose the Payees tab, and then choose Pay an Individual. For Payroll and advanced business payment options, please contact us for more information.

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The best practice is creating a bookmark/favorite for bakerboyer.com. You may also bookmark https://banking.bakerboyer.com/login.

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You can only submit one check per deposit at a time. However, you may make additional deposits during the same mobile banking session by simply tapping New Deposit once you have confirmation that your previous deposit has been received.

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Yes. You may enroll as many checking or savings accounts as you like for Mobile Deposit.

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For security reasons, we do not recommend allowing your browser to remember your login information, as it can lead to you getting locked out of your digital banking. A saved password may not apply across all web browsers or to the mobile app, and will cause issues for you when logging in.

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Yes, please be sure to endorse your check. You must include a “For Mobile Deposit Only” endorsement on the back of your check.

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In many cases, difficulties accessing your account online can be resolved by these common and easy-to-do solutions from within your web browser: 

  • Closing and re-opening your existing web browser 
  • Trying a different web browser (Chrome, Edge, Safari, etc.) 
  • Verifying that your cookies are enabled and that cross-tracking is enabled 
  • Clearing your browsing history 
  • Ensuring web browsers are up to date 


If these steps do not work, you are welcome to contact the bank directly at (509) 525-2000 and we can try to help you. We encourage you to reach out to your local computer repair technician or to your internet service provider for assistance. 

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    eNotices are notifications and information the bank provides you. These notices may be loan payment receipts, bounce protection notifications, wire receipts, transfer notices, and so much more.

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    Regularly review your deposit transactions online or in your Baker Boyer Mobile Banking app to determine when the check has posted to your account.

    • If your deposit cannot be posted for some reason, Baker Boyer may contact you to discuss why the deposit cannot be posted
    • Retain the check(s) for a minimum of 10 days after the deposit posts to your account. You should then securely destroy the check.
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    To use Mobile Deposit, you must have the following:

    1.  An active Online Banking profile. If you need help setting up Online Banking, please call our Contact Center at (509) 525-2000 and a Personal Banker by Phone can assist you.
    2. Enroll in Mobile Deposit. You can enroll via Online Banking Secure Message or by calling us at (509) 525-2000.
    3. Install the current version of the Baker Boyer App, which is available for Apple and Android devices.
    4. A currently supported Apple or Android operating system.
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    Bill Pay makes it easy to pay your bills to a business or even send money to another person from anywhere, on any device, anytime you like. You can visit this web page to learn more, or view this "explainer video" that helps you understand how Bill Pay works.

    Read more here

    Two-factor authentication is an advanced method of confirming your identity by using a combination of factors. For example, something you know such as a User ID and password, and a randomly generated, constantly-refreshing code. Click here for details about the three options for two-factor authentication. This topic is also discussed in our First Time Login guide and video.

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    From the Payments page, click on Bill Pay to access additional features such as:

    • Viewing confirmation numbers of payments
    • Adding a new checking account to pay bills from
    • More Pay a Person options: by check and electronic account payment
    • Setting alerts on bills

    Special note for Business users! Click Business, then Bill Pay to access in your browser.

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    • You may change the layout of your accounts to all the accounts, only a few at a time or a total current balance of all accounts by type
    • You may also adjust the order the cards appear in, and pick from a detailed or condensed display of information.
    • You may also select a preferred name to be displayed and upload a custom picture of your choosing to serve as your avatar.

    For more details, see the Customizing Your Access page for a video and step-by-step guide.

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    • Review transaction history, check images, and deposit slips.
    • View Loan and Safe Deposit Box details.
    • Transfer funds between accounts at Baker Boyer.
    • Transfer funds to another bank using our External Transfers option.
    • Make payments using Bill Pay.
    • Access eStatements. (see eStatement Q&A)
    • Update personal information such as address, phone, and email.
    • Create a custom User ID.
    • Change your password.
    • Change the ‘Status’ of your debit card.
    • Activate new debit cards.
    • Put a temporary hold on your card if misplaced.
    • Report your debit card lost or stolen.
    • Create Alerts for transactions, balances, and events.
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    Digital Banking can be downloaded from Apple Store or Google Play. Search for "Baker Boyer".

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    You can navigate to the Settings Options in either the top right-hand corner or bottom left-hand corner of the screen. Select Baker Boyer from the Accounts section and pick the account you would like the alert setup for. You may custom alerts notifying you when your balance changes, when deposits arrive or when specific check numbers are received.

    Additional alerts for bills can be managed within Payments by clicking Bill Pay.

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    Mobile Deposit is available to Baker Boyer Bank clients who meet the following requirements:

    • Enrolled in Online Banking
    • Must be a customer for at least 90 days
    • No returned deposited items within the last 90 days
    • Not overdrawn within the last 90 days
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    With the new system, the only time you will be prompted with the token is when you use the Cash Management services through the Business tab (Note: the Business Tab is only available in the browser version of our digital banking solution).

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    By default, we load all your available accounts and transactions. You may view transactions for a single account by selecting the account you wish to view.

    If you have accounts that need to be hidden, this may be completed in the Settings option found at the top right-hand corner or bottom left-hand corner of the screen. Please select Baker Boyer from the accounts, and then select the account you would like to change. You may also remove the 'transactions' card from your Dashboard.

    View the video and step by step guide on Customizing Your Access for more information. 

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    If you are using a personal online banking account, your Bill Pay and corresponding limits have been set to personal as well. Please contact us to arrange a switch to the full business platform.

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    Mobile Deposits are subject to verification and are processed within two business days.

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    Sometimes. Many older bookmarks contain outdated security information which could re-direct you to outdated versions of our service. If you attempt to login and do not see the rolling foothills of the Blue Mountains, you are at an outdated site. The best practice would be to delete that bookmark and establish a new one.

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    These functions are not yet available on the new platform. So, when you log in to our new system, you will need to click the “Business” tab. This will return you to the “old” system for these functions (and business bill pay, if enrolled) only.

    To return to the new digital banking solutions to view accounts, complete transfers, etc., simply click the new “Online Banking” tab.

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    Consumer Mobile Deposit limits:

    • 10 checks per day; and 20 checks per month
    • $2,500 per day; and $5,000 per month

    Micro-Business Mobile Deposit limits:

    • 15 checks per day; and 60 checks per month
    • $2,500 per day; and $5,000 per month
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    General Banking

    Please visit our Community Impact page to learn more about how qualifying non-profit organizations may apply for charitable gifts or sponsorships. For larger, multi-year grants, you may wish to explore our Legacy Giving Program

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    Direct Deposit is a free service that automatically deposits your paycheck into any Baker Boyer checking or savings account. Click here for directions and the enrollment form.

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    Baker Boyer Routing Number is 123300153. The Bank Routing number and your account number can be found on your checks as seen in this illustration.

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    Mobile Deposit

    Some business size checks (the long ones) do not work with Mobile Deposit. The following examples are types of payments/checks which CANNOT be deposited through mobile deposit:

    • Any item that is stamped "non-negotiable," "void," or any other word or phrase indicating that the item is not valid
    • Any item that appears to contain altered information
    • Any item issued by a financial institution in a foreign country
    • Any item that is incomplete or contains incomplete information
    • Any item written off the deposit account
    • Any item that is post-dated or dated over six (6) months ago
    • Any Third- Party check (made payable to another party and then endorsed to you by that party)
    • Any item that has been previously negotiated or deposited into any account
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    Mobile Deposits will generally be made available to you on the next business day when a deposit is made by 4:30 pm (PST). Any Mobile Deposit after 4:30 pm will be deposited in two business days. If you make a deposit after 4:30 pm on Friday through Sunday, those deposits will be deposited on the following Tuesday with the exception of bank holidays that fall on Monday. In that case, deposits will be made on the following Wednesday.

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    Mortgage

    Your payment could have changed for any combination of the following reasons: Your home has recently been re-assessed and the value has changed from previous years; the community in which you live increased property taxes; your homeowner’s insurance premium increased or you increased the coverage on your property. Other factors such as Adjustable Rate Mortgage changes or other changes in services will create an entirely new monthly payment now or at a separate date in the future. Read these Commonly Asked Questions for more information. 

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    Phone Banking

    Available to you 24 hours a day, 7 days a week, with voice response access. If you need to check your balance, transfer funds, verify a credit or debit, or make a Baker Boyer loan payment, our 24-Hour Phone Banking is there, in both English and Spanish. Call (509) 522-BBNB (2262) or (800) 583-BANK (2265). First-time users will need to contact the bank directly at (509) 525-2000 during business hours to have the service set up. Detailed information can be found here

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