Personal Online and Mobile Banking Services

Banking should fit your life, not the other way around. With Twin Cedars Bank’s Personal Online and Mobile Banking, you can manage your money anytime, anywhere, with the same security and personal service you trust from your local bank branch.

No matter if you’re at home, at work, or on the go, you can access your accounts, payments, and alerts anytime from your computer, tablet, or phone. Check balances in seconds, transfer funds, deposit checks, pay bills, send money with Zelle®, and keep tabs on your finances with custom alerts. It’s fast, easy, and designed to give you complete control over your banking—whenever and wherever you need it.

What You Can Do Online and On Mobile

• Check real-time balances and recent transactions.
• Transfer money between Twin Cedars accounts—one-time or recurring.
• Deposit checks with your phone using Mobile Deposit.
• Pay bills and schedule payments with Bill Pay.
• Send and receive money with Zelle®.
• View and download eStatements and check images.
• Make loan payments and see payoff progress.
• Set up custom alerts by text, email, or in-app.
• Send secure messages to our team.
• Export transactions to personal finance software.

Mobile Banking App

A clean, purpose-built app for your day-to-day banking.

• Instant Balance: See balances without full sign-in (optional).
• Touch ID® / Face ID® / Android™ biometrics for quick, secure access.
• Mobile Deposit: Endorse, snap, submit—deposit from anywhere.
• Bill Pay on the go: Add payees and schedule payments in seconds.
• Same login as Online Banking.

Download the Twin Cedars Mobile App:

Search “Twin Cedars” in the Apple App Store® or Google Play™.

Bill Pay: Pay Bills in Minutes

Keep all your bills in one place. Schedule once or set recurring payments so you never miss a due date.

• Add companies or people as payees in seconds.
• Track payment history and delivery dates.
• Get notifications when payments are sent or posted.

How to enroll: Log into Online Banking, choose Bill Pay, and follow the prompts.

Zelle®: Send Money to Friends & Family

Pay back a friend or split expenses fast, typically in minutes, between enrolled users.

How it works

1. Log in to Online Banking or the Mobile App.
2. Enroll in Bill Pay (one-time setup).
3. Select Send Money with Zelle®.
4. Choose a trusted contact using their U.S. mobile number or email.
5. Enter the amount and send.

Zelle® is ideal for sending money to people you know and trust, like friends, family, and neighbors.

eStatements: Go Paperless, Stay Organized

• Access current and past statements in Online and Mobile Banking.
• Download or print anytime for your records.
• Reduce clutter and get statements sooner with email notifications.

How to enroll: Log in to Online Banking and choose eStatements.

Security You Can Count On

Your privacy and security are our priority.

• Multi-factor authentication and industry-standard encryption.
• Automatic timeouts and masked account numbers.
• Custom account alerts for unusual activity.
• Secure in-app messaging with our support team.

Get Started

1. Enroll in Online Banking.
   Use your Twin Cedars account info to create your secure login.
2. Download the Mobile App.
   Search “Twin Cedars” in the Apple App Store or Google Play.
3. Turn on Alerts & eStatements.
   Personalize notifications and go paperless.
4. Add Bill Pay and Zelle®.
   Pay bills and move money with confidence.

Need help? Call us or stop by a branch. We’re happy to walk you through the setup.

Frequently Asked Questions

Is Online and Mobile Banking free?

Yes. Twin Cedars Bank provides Online and Mobile Banking at no charge. Carrier data rates may apply.

When will my Mobile Deposit be available?

Most deposits follow our Funds Availability Policy. Cut-off times and holds may apply.

Can I use the same username and password on the app and website?

Yes. One secure login works for both.

Who can I pay with Zelle®?

People you know and trust in the U.S. Your payee must be enrolled with Zelle® to receive funds.

Can I schedule recurring transfers or payments?

Yes. Set recurring transfers between Twin Cedars accounts and recurring Bill Pay payments to your payees.

What if I lose my phone?

Your account details are protected by your credentials and device security. Contact us immediately; we can help secure your access and guide next steps.

Why Twin Cedars Bank

Community bank service, modern tools, and people who pick up the phone. Manage your money on your terms with a team that knows you by name.

Ready to bank your way?

Enroll in Online Banking, download the Twin Cedars Mobile App, or contact us to get started today.