Welcome to Natbank, your bank in Florida

Secure Login

Logging in to your accounts is simple and very secure. In fact, every time you log in we use strong multi-layer security that not only confirms your credentials, it confirms the device you're using. When a new device is detected or our system detects suspicious activity, you may be asked to further verify your identity by entering a one-time passcode. This strong approach to security provides simple access to your accounts and offers powerful protection against online fraud. To log in, simply visit our website. Then confirm you're at our trusted site by checking our certificate. If everything looks OK, enter your credentials, and continue. The first time you log in, you'll be prompted to enter at least one phone number. In the future, this number may be used to help authenticate your identity. When ready, continue to securely log in. That's it! Once logged in, Profile is where you manage your personal settings such as your password and phone numbers used to authenticate your identity. During future logins, if a new device is detected or our system suspects suspicious activity, you'll be asked to further verify your identity. Just choose a method to receive your passcode. Then, based on your selection, you'll soon receive either a text message or a phone call. containing your one-time passcode. Simply enter this code to securely log in.

To you, the card you carry isn't just a piece of plastic. It's lunch with your best friend, the perfect gift found after a diligent online search, a quick stop for gas on the way home. To fraudsters, it's a chance to steal your information and use your account for their own purposes. That's why we protect your cards with a state-of-the-art fraud monitoring system. The network keeps an eye on your transactions, and if it sees something unusual, asks you to confirm the purchase. You get a text asking if you made the purchase. You reply with a text back. Simple, easy, and quick. After all, your card is a seamless part of what happens in your daily life, and knowing exactly what's happening with the card should be just as simple. So, make sure you're using the card that texts you. You'll get a text notification whenever a suspicious transaction appears on your card. For example, if the network sees a purchase in a distant city, you'll receive a text asking if it was a legitimate transaction. If you're visiting that city on vacation and recognize the purchase, you can text back and let us know that all is well. The text can also serve as a good reminder to call us and let us know that you're away from home. That way, we can put a travel note on your account, so the network doesn't continue to suspect fraud each time it sees a purchase in an unusual location. It's fraud protection that's as easy and seamless as the way you use your card to live your life in the moment. It's the power of a two-way conversation between you and your card. It's the power of simplicity.

Mobile App

Welcome to the next generation of mobile banking. This is banking your way. Offering powerful tools to manage your finances, with almost any device, from just about anywhere. View account balances, and make quick transfers between your accounts, including your accounts with other financial institutions. Pay bills on the go, whether it's your utilities or your lawncare service. You can even schedule payments in advance. Plus, use Zelle^® to send and receive money with family, friends, and people you know and trust. And stay informed about your account activity with a wide variety of alerts. All these tools and more. The information you need, when you need it. This is banking your way. 

A Quick Tour

Experience the freedom of mobile banking, wherever you go. Check balances, transfer money, pay bills, and perform a variety of other financial tasks, right from our mobile app. When you first login you'll see your account summary, offering an at-a-glance view of your balances, along with a few other convenient services. Along the bottom is your primary navigation. From here, you can quickly access a variety of popular features. You can return to your account summary, make quick transfers, send money to family, friends, and businesses you trust with Zelle^®, pay your bills electronically, and finally, deposit cheques. In the upper right, you'll find an accordion style menu. This will include all the options below plus additional services and settings. Under accounts you'll find your statement delivery preferences, the ability to request stop payments on cheques, and electronic statements and notices. The transfers option is where you control the movement of money within your accounts. From here you can make internal transfers including those that repeat, transfer money to and from other financial institutions, and review your recent transfer activity. Payments is your central hub for paying bills. Zelle^® lets you easily send money to family, friends, and businesses you trust. Deposits is where you deposit paper cheques and view your deposit history. Profile is where you manage personal information, such as your email address, phone numbers, addresses, the password you use to log in, the user ID you use for logging in, and any tax documents we may have shared with you. Under settings, you can enroll devices to access mobile banking, subscribe to alerts, manage authorized devices, access your balance information from your login screen, access your secure forms, review user activity, and view accepted disclosures. Messages is where you send and receive secure messages with us. When finished, we recommend you securely log out to end your session.

Face ID

If you've enabled biometrics from your mobile device, you can log in to your mobile banking using either your fingerprint or Face ID. To get started, you'll need to authorize your device. From the main menu, under Settings, select Authorized Device Enrollment. Give your device a name, then enter your user ID and password. When ready, enroll. That's it! This device is now ready to be used for biometric authentication. If you change your mind, you can unenroll your device at any time. You can also view and manage your devices from the menu, under Settings, then Authorized Devices. This will show you which devices are enrolled, and you can delete any unneeded ones from here. Now, the next time you log in, simply select Touch or Face ID from the login page, and you will be logged in with your device's scanner.

First Time Login

Logging into your accounts is simple and very secure. Simply open the mobile app, then enter your user ID and password. If you’d like the app to remember your user ID for next time, just turn on the toggle. If this is your first time logging in from this device, we’ll ask you to verify your identity. Choose a phone number, then select how you'd like to be notified. Depending on your selection, you'll soon receive either a text message, phone call or email. Simply enter the code provided to verify your identity. You should never share this token with anyone, including anyone claiming to be from your financial institution. We will never ask you for this code. We’ll send a security alert each time someone logs in to your account from a new device. That’s it! You’re now securely logged in. You can manage your credentials at any time from the main menu, under Profile. From here, you can change your password. Under Settings, you’ll find the options for enrolling your device for biometric login, as well as managing the authorized devices for your app. 

Quick Balance

With Fast Balances, saved users can securely access their account balances right from the login page. If it’s not yet enabled, you’ll see a setup screen. Simply enter your credentials, then log in. From the menu, under Settings, select Fast Balance. Give your device a name, then enable it. That’s it! Below, you’ll find a list of all your accounts. Check the box next to the accounts you’d like to include in your preview, then submit. The next time you open your mobile banking, you can tap Quick Balance to see a list of all your selected account balances.

Accounts

When you first log in, you'll see your accounts page, which is also available from the bottom navigation. This page is like your dashboard, providing an at-a-glance summary of your accounts, plus a variety of other convenient services. At the bottom, your account summary displays a list of your accounts grouped by type. Selecting Edit lets you change the order in which your accounts appear, simply by dragging an account. To hide an account, tap the eye icon. When finished, save your changes.

Stop Payments

Requesting a stop payment on a cheque is simple. From the Accounts tab Select Stop Payment. From here, you can stop payment on a cheque and view any previous requests you've made. To request a stop payment, begin by selecting the chequing account for the cheque you'd like to stop. You can stop a single cheque, or a range of cheque. Just fill out the associated information, including the cheque number, the amount, and the reason you're stopping the payment. Note that the fields marked as Optional are not required, although filling out the requested details will help narrow down the search. When ready, submit your request. That's all it takes! You can view this request, as well as any previous stop payment requests, by selecting Stop Payment History. Any stop payments on this account will appear below.

Statement Preferences

If you haven't signed up for electronic statements, now is a great time to enroll. Electronic statements are simple and convenient. They offer greater security than delivering your paper statements through the mail and make it easy to store your information. Plus, they're available sooner, and can be accessed on the go. You can enroll, and manage your preferences at any time from our app. To get started, from the menu, open the Accounts dropdown, then select the Statement Preferences link. You’ll see a complete list of your accounts and their preferences. If you’d like to change an account to electronic statements, simply update the Delivery Option. You can do this for as many accounts as you’d like. When ready, save your changes. That’s it! To view any available statements, from the menu, under accounts, select Statements. From here, you can view statements for all your eligible accounts or choose a specific account from the dropdown. Simply select the statement you’d like to view. You can review it online or download or print it for your records.

Zelle^®

In the bottom navigation, you'll find Zelle^®. Zelle^® is a fast and easy way to send and receive money with family, friends, and people you know and trust. Whether you're managing payments for your small business, or simply sending some birthday cash to a friend, just use Zelle^®. With Zelle^®, all you need is the recipient's email address or U.S. mobile phone number, and if they've enrolled with Zelle^®, the money is sent directly to their bank account, typically in minutes. When you're ready, you can watch a complete set of guided tours covering all the features.

Transfers

Transferring funds between your accounts with us is simple. To quickly transfer money from one account to another, select Transfers from the bottom navigation. Begin by selecting the account the funds should be transferred from. Then choose the account you want to send to. Next, enter the amount of the transfer. By default, your transfer will be scheduled immediately. You can also schedule a one-time future transfer or a recurring transfer. For this example, we'll choose Recurring. The transfer will automatically take place monthly, or you can choose a different option from the dropdown. Enter the date you'd like the transfer to begin. You can also choose how long the transfer should continue, including no end date, a specified date, or after a specified number of transfers. Make your selection, then if you'd like, add a description. When ready, Continue. Review your transfer details, and if everything looks correct, complete your transfer. That's it! You can also access transfers by selecting the main menu, then Transfers. From here, you can make additional transfers, view your transfer activity, and make external transfers. Transfer Activity shows you both scheduled transfers and your transfer history. From here, you'll see any future transfers you have scheduled. Select one to view its details. You can edit the transfer or cancel it if it's no longer needed. You can also view your Transfer History, which will show a list of completed transfers.

Loan Transfers

Did you know you can make loan payments right from your mobile banking? It’s simple, and it only takes a moment. Begin by selecting Transfers from the bottom navigation. Select the account you’d like to use to fund the payment. Then choose the loan account you want to send To. The payment option determines how your payment is applied to your loan. You can select the payment due amount or another amount. Make your selection, then choose when you want the payment to occur. You can make an immediate payment, a future payment, or a recurring payment. Since this is a loan payment, we'll choose recurring, so it will take place automatically every time. By default, your payment will occur monthly. If you’d like, you can choose a different frequency from the dropdown. Select a date for the first transfer, as well as how long you want it to continue. You can select no end date, a specific end date, or after a specified number of transfers. Make your selection, and if you’d like, add a description. When ready, Continue. Review your transfer details, and if everything looks correct, submit your transfer. Your transfer will take place on the day you selected. You can view your scheduled transfers by selecting the main menu, Transfers, then Transfer Activity. From here, you can edit or cancel them if they’re no longer useful.

External Transfers

External transfers make it easy to move money between your accounts with us and your accounts at other financial institutions. To get started, from the menu, select Transfers, then External Transfers. Once you’ve linked an external account, it’s easy to make both incoming and outgoing external transfers. For more information, view our complete External Transfers tutorial.

Payments

If you've enrolled for Bill Pay, Payments offers powerful, convenient tools for managing your bills, whether you're paying your utilities, your rent, or your babysitter. The payment center is also available from the payments tab or from the menu by selecting payments. From here, you can add billers, make payments, view your bill pay activity, and more. To learn more, watch our in-depth tutorial covering all the details, including setting up recurring payments and adding eBills. With Payments, managing your bills is a breeze.

Deposits

Making a deposit on the go is easy. From Deposits, you can deposit a paper cheque and view your Deposit History. To deposit a cheque, begin by endorsing the cheque as instructed. Next, select the account you'd like the cheque deposited to. Then, enter the amount of the cheque. You'll need to take a picture of the front of the cheque, making sure all four corners are visible. Then, repeat the process with the back of the cheque. When ready, select Deposit to finish. That's it! Your cheque has been deposited, and the funds should appear in your account soon. From here, you can deposit another cheque or select View Deposit History to be taken to a list of completed deposits. Selecting a deposit shows its details. View Cheque will show you an image of the front and back of the cheque. Select the X or click the deposit again to hide the details. If you'd like to view older deposits or view a specific deposit, select Search. You can select a specific account, change the date range, or enter an amount to look for. When ready, Search, and results will appear below. You can access this information at any time by selecting the main menu, then Deposits. From here, you can deposit another cheque or view your deposit history.

Alerts

Alerts are a convenient way of keeping track of your money while providing additional security for your accounts. Want to know if your balance drops? How about when a deposit is made? With our alerts, you'll know. Plus, there are a variety of alerts to choose from. If an alert is triggered, it can be delivered via text message or email. You can access alerts from the main menu under Settings, then Alerts. From here, you’ll have a variety of options. At the top, you’ll see your phone number and email address on file. You can edit one by selecting it, or by opening Notifications Settings. You can also view a history of your alerts. To set a new alert, you can select one from the list below or use the search function to find a specific alert. For this example, we’ll set a balance alert. For the account you’d like to monitor, enter the amount to watch for. In this example, we’ll use $100. You can choose to be notified in different ways. Select how you’d like to receive the alert, then add it. A message will appear to let you know your changes have been saved. If you’d like the alert to apply to more than one account, repeat the process for each account you wish to add. When finished, select the back arrow to return to the list of alerts. Notification Settings lets you manage the delivery methods for your alerts. You can update the time zone, confirm any new phone numbers and email addresses, and see a list of current notification devices, phone numbers, and email addresses. From here, you can delete any notification methods that are no longer useful. To add a new phone number or email, select Add. For this example, we’ll add a phone number. Enter your number, then continue. An activation code will be sent to your number. Enter it, then activate your phone. You’ll receive a confirmation message to let you know it was successful. Close the window to return to your list, where your new phone number will appear. Choose the back arrow to return to your alerts. Notifications History shows you a list of any recent notifications. You can review them, or search for a specific alert from here.

If our system detects suspicious activity on your card, you'll get a text message alert from 37-268 containing details of the unusual transaction. Reply to confirm the transaction. Note that only US phone numbers can receive these texts.

If you report the transaction as fraudulent, you'll receive another message with a number to call to follow-up. Otherwise, no action is required. The system will classify the transaction as "legitimate," and you can go about your business. You'll receive an email notification if you haven't responded to the text.

Lastly, if you can't respond to either the text or email, an agent will attempt to call you on behalf of Natbank to inform you about the suspicious transaction and verify that it's not a fraud case.

EnFact® Premium Texting

What is EnFact?

EnFact® is a fraud detection software that is always monitoring for suspicious debit activity on your account. It analyzes purchase history and fraud patterns to identify anything out of the ordinary.

Alerts Monitoring coming from:

Text: 37-268

Call: 833-735-1892

Email: Notify@enfactnotifications.com

Natbank partners with a third party to monitor debit card transactions for fraud. You may be contacted via text message, email or a phone call. Natbank does not charge for this service. Standard message and data rates may apply from your data provider. You can opt-out of this service at any time.

®NATBANK and the NATBANK logo are registered trademarks of National Bank of Canada.

®Enfact is a registered trademark of Fiserv, Inc.

®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

®Presto! is a registered trademark of Publix Super Markets, Inc.

®Publix is a registered trademark of Publix Asset Management Company. 

SecureNowTM is a trade mark of Fiserv, Inc.

1. You and your recipient must both have a U.S. bank account to use Zelle.

2. Additional terms and conditions may apply. Third party fees for internet, messaging, or data plans may apply.