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Group 2: Frequently Asked Questions

General Information

What is happening?

Alerus is upgrading your digital banking experience with a new online banking platform and mobile app, beginning September 8, 2025. The new platform is easy to navigate and designed to make digital banking more convenient and user-friendly.

What should I do to prepare for this upgrade?
  • Log into your account and verify your contact information is up to date. Your information must include a 10-digit direct or mobile phone number (extensions are not allowed).
  • Retain your current Company ID and User ID for future reference.
Which services will be impacted prior to launch?

Online and mobile banking services will be temporarily unavailable beginning Friday, September 5, 2025, at 5 p.m. CT through Sunday, September 7 while accounts are transitioned to the new digital banking platform. This includes:

  • Business Essentials online banking
  • Commercial Advantage online banking
  • Mobile banking
  • Remote deposit capture
  • ACH payment originations
  • Wire transfers
  • Positive pay
  • Bill pay

Digital banking services will resume on the new platform on Monday, September 8, 2025, at 8 a.m. CT. At that time, you can log into your account at alerus.com > My Alerus or through the new Alerus Banking app using the new credentials provided to them. See the “Logging In” section for details about your new credentials and how to log in.

When will I notice changes to online and mobile banking?

Your account(s) will be transitioned to the new online banking platform on September 8, 2025. At that time, your username and how you log in will change, and you will notice a new look and feel to online and mobile banking.

Is the routing number or my account number(s) changing?

No. Alerus’ routing number is not changing. Your account number(s) are also not changing.

Logging In

Is my username or password changing?

Yes. On Monday, September 8, use these instructions when you log into your account.

Username: Your current Company ID + your current User ID
Example: Current Company ID: ABCD5458 + Current User ID: ebeth = New Username (example): ABCD5458ebeth

Password: Choose “Forgot password” and follow the prompts you receive

  • If you forgot your Company ID and/or User ID, click “Forgot Username” on your initial log-in.
How do I log into my online account beginning September 8, 2025?

Beginning September 8, go to alerus.com, click Log In in the upper right corner, choose “My Alerus” from the drop-down menu, and click Go. You can also click here to go directly to the log-in screen. Note: You will no longer log in through Business Essentials or Commercial Advantage from the drop-down menu.

Log in with your NEW username

New username: Your current Company ID + your current User ID

Example:
Current Company ID: ABCD5458
Current User ID: ebeth
New Username (example): ABCD5458ebeth

Password: Choose “Forgot password” and follow the prompts

  • If you forgot your Company ID and/or User ID, click “Forgot Username” on your initial log-in.
  • If you have multiple Alerus profiles (e.g. personal and/or business), you will need to log out and sign in again using the credentials for the specific profile you want to access.
How do I log into mobile banking beginning September 8, 2025?

For mobile banking, you will use a new app starting September 8.

Step 1:

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Download from App Store (Apple devices)

Download from Google Play (Samsung and Android devices)

Or search for “Alerus Banking” on the App Store or Google Play and download the app to your device. Note: Alerus has a suite of mobile apps. Use the links above to ensure you’re downloading the right app. If you search your app store, make sure you choose the Alerus app named “Alerus Banking.”

Step 2: Log in using the same username and password you established after your initial log-in at alerus.com > My Alerus

If you are using the mobile app to log into your account for the first time on September 8, use the following credentials.

Username: Your current Company ID + your current User ID
Example: Current Company ID: ABCD5458 + Current User ID: ebeth = Username: ABCD5458ebeth

Password: Choose “Forgot password” and follow the prompts you receive

  • If you are using the new Alerus Banking app for multiple accounts (e.g. personal and/or business), you will need to log off (choose Menu > Log Off) and sign in again using the credentials for the specific account you want to access. Choose the Log In option when you sign in.

Step 3: Delete the Alerus Business Banking app. This app will no longer be used.

Will online access change for current users?

Business online banking users who have logged in since January 1, 2025, will continue to have the same account access they have today. Users who have not logged in since January 1, 2025, will not be migrated to the new system. For log-in instructions, see “How do I log into my online account beginning September 8, 2025” and “How do I log into mobile banking beginning September 8, 2025.”

How do I add a new business online banking user?

Contact the treasury management solutions center at 800.279.3200, Option 3. They are available from 8 a.m. to 6 p.m. CT, Monday-Friday.

Should I continue using the Alerus Business Secure Browser?

The Business Secure Browser is no longer needed and will be discontinued. You can delete this app from your desktop on September 8.

Mobile App

Do I need to download a new banking app?

Yes. On September 8, you will need to use the new Alerus Banking app. The old Alerus Business Banking app will no longer work. Follow these steps to install the new app.

Step 1: Download our new Alerus Banking app

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Step 1:

Download from App Store (Apple devices)

Download from Google Play (Samsung and Android devices)

Or search for “Alerus Banking” on the App Store or Google Play and download the app to your device. Note: Alerus has a suite of mobile apps. Use the links above to ensure you’re downloading the right app. If you search your app store, make sure you choose the Alerus app named “Alerus Banking.”

Step 2: Log in using the same username and password you established after your initial log-in at alerus.com > My Alerus

If you are using the mobile app to log into your account for the first time on September 8, use the following credentials.

Username: Your current Company ID + your current User ID

Example: Current Company ID: ABCD5458 + Current User ID: ebeth = Username: ABCD5458ebeth

Password: Choose “Forgot password” and follow the prompts you receive

Choose “allow notifications” when prompted if you would like to receive push notifications related to your account. You can manage these notifications based on your preferences.

  • If you are using the new Alerus Banking app for multiple accounts (e.g. personal and/or business), you will need to log off (choose Menu > Log Off) and sign in again using the credentials for the specific account you want to access. Choose the Log In option when you sign in.

Step 3: Delete the Alerus Business Banking app. This app will no longer be used.

Can I use an authenticator mobile app to securely access my account?

Yes. You may choose to use an authenticator app (e.g. Google Authenticator, Microsoft Authenticator, Duo, etc.) as your preferred method of multifactor authentication. To set up your authenticator app:

  1. Log in at login.alerus.com or go to alerus.com > Log In > My Alerus > Go
  2. From the Settings menu, click “Update Alerus Password”
  3. Scroll to the section labeled “Two-Step Authentication” and click the “Authenticator application” button.
  4. A QR code will pop up. Open your authenticator application on your mobile device. Each authenticator app is different, but generally there is an option (e.g. a “+” sign or an “add” button). Use the camera to scan the QR code on the screen or type in the code and click Verify. Your authenticator app is now set up.
  5. Upon subsequent logins, you will be prompted for a code from your authenticator app as your multifactor authentication method.
Can I still make mobile deposits using the mobile app?

Yes. The mobile app allows you to do a mobile deposit by taking photos of the front and back of the check. Once you have the image lined up in the viewer, click the camera icon in the upper right corner to take the photo.

Can I still use the Alerus Business Banking app?

Beginning September 8, the Alerus Business Banking app will no longer be available to migrated users. Delete the app and download the new Alerus Banking app to conduct mobile banking.

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Download Alerus Banking from App Store (Apple devices)

Download Alerus Banking from Google Play (Samsung and Android devices)

Features and Services

Can I stop payments?

Yes. The stop payment feature is located under the Fraud Management menu.

How do I view account details?

On the home page, click on the individual account to view transactions and details.

Can I change the order in which accounts are displayed on the home screen?

Yes. Click and hold, then drag the account to the location desired in the list.

How can I select which accounts to display on the home screen?

Click “Settings” on the left-hand menu, then select Manage Accounts. Click the ellipsis (three dots) on the right and select “Hide on Home” or “Show on Home.”

How can I group accounts together?

Click the ellipsis next to the account you want to add to a group. Choose “Move to” and select a group from the dropdown menu, or create and name a new group, then save. Or, click and drag the account to the tray that appears in the lower middle of the screen to create a new group. To move an account to a group you have already created, click and drag the account to the group.

How do I make loan payments?

In online banking, select “Transfers & Payments,” (left navigation bar) then choose “Loan Payment” to transfer funds from an Alerus deposit account to an Alerus loan or line of credit.

In the Alerus Banking mobile app, click the Menu icon located in the lower right corner of the screen, then select “Transfers & Payments.” Choose “Loan Payment” to transfer funds from an Alerus deposit account to an Alerus loan or line of credit.

 

How do I transfer funds between Alerus accounts?

In online banking, select “Transfers & Payments,” (left navigation bar) and choose “Transfer” to conduct individual or multi-account transfers. You may also click “Transfer Money Now” in the right navigation bar to conduct transfers.

In the Alerus Banking mobile app, click the Transfer icon at the bottom of screen to conveniently conduct individual or multi-account transfers. You can also choose the Menu icon, select “Transfers & Payments” and choose “Transfer” to conduct your transfers.

Do I need to reset my account alerts?

Yes, you will need to create new alerts. Your existing alerts will not automatically transfer.  To create new alerts in online banking, click Settings, located in the left panel on the home screen, and choose Alert Settings. On the mobile app, click Menu in the lower right corner of the screen, then select Settings and choose Alert Settings. The new platform offers expanded account, history, and online transaction alert options as well as the option to create event reminder alerts.

How do I connect my account to QuickBooks online/Express Web Connect?

Search for Alerus and choose “Alerus” from the results.

How do I connect my account to the desktop version of QuickBooks or Quicken?

Search for Alerus and choose “Alerus” from the results.

Do I need to re-establish my recurring transfers to other Alerus accounts?

No. Any recurring internal transfers you previously scheduled between Alerus accounts will automatically carry over to the new system and continue as usual.

Do I need to re-establish my recurring ACH transactions?

Yes. Your existing templates and payees will transfer, but previously scheduled recurring ACH transactions will not restart automatically. You’ll need to set them up again on the new platform.

Will my ACH policies/rules be transferred to the new platform?

No, your ACH policies will not migrate to the new platform. When you take action on an exception in the new platform, you can build an ACH rule at the same time. You can also retain a list of your policies from the current platform prior to September 5 and use that information to manually build new policies in the new platform.

Do I need to re-establish my recurring wire transfers?

Yes. Your existing templates and payees will transfer, but previously scheduled recurring wire transfers will not restart automatically. You’ll need to set them up again on the new platform.

Will my process change for sending wire payments?

To send a wire, select Treasury Services on the left side of the home screen. Choose ACH/Wire Payments, then select New Payment to send a wire from scratch. If you use templates, select Payment Templates to create a new template.

Will the validation process change for sending ACH and wire payments?

Yes, you will use a step-up process when sending payments. Validations will occur via text message or phone call. Email validations will not be available. You may also utilize an authentication app. For this option, please contact our treasury management solutions center for assistance.

Can I still upload a NACHA File?

Yes, you will still be able to upload your NACHA File when sending ACH payments if desired.

What is the difference between ACH Batch and ACH Collection?

ACH Batch is used for sending money to another person or company. These are credit transactions such as payroll or vendor payments. ACH Collection is used for receiving money from another person or company to deposit to your business account. These are debit transactions, such as include association dues, monthly dues, or utility payments.

Is bill pay changing?

No. You will continue to have access to bill pay with no impact on current payees or recurring payments.

Is remote deposit capture changing?

No. Your deposit history will be available, and you will continue using your current remote deposit capture system.

Is positive pay changing?

Yes, the system is changing. We are migrating to a new system for positive pay, key things to be aware of include:

  • All outstanding checks as of Friday, September 5 will be transferred to the new system.
  • The file format you currently use to upload issued checks will not change.
  • You will receive an email at approximately 8 a.m. CT if you have any positive pay exceptions.
  • The cut-off time to work positive pay exceptions will remain 1 p.m. CT.
  • Beginning September 15, exceptions that have not been decided by 1 p.m. CT will be automatically processed according to your default decision. You will not receive a phone call. If you are unsure of your default decision, contact our treasury management solutions center at 800.279.3200, Option 3.
  • The upgraded platform provides more flexible file mapping options for check positive pay. The system will accept .csv, .xlsx, and .txt file formats.
  • The Check Stale date default is 180 days, compared to 90 days previously.
Can I review and take action on positive pay exception items in the Alerus Banking mobile app?

Yes. The new Alerus Banking mobile app features the ability to decision exceptions. Select Menu on the lower right of the screen (on the thumbar), then select Fraud Management and choose Positive Pay. The look and feel of the exceptions screen is the same as the desktop view. The menu selection is also the same as the desktop view.

Will my SFTP file delivery change?

No, you will not need to make any changes if you deliver an ACH or positive pay file through SFTP.

Will I continue to receive my BAI file via SFTP?

Yes, if you are receiving your BAI file via SFTP today, nothing will change.

How do I remove accounts from the home screen?

Click the ellipsis in the upper-right corner of the account you want to remove, go to Settings and toggle the “Visibility on Home” option to off.

Will I have access to my statement history?

Yes. You will continue to have access to statement history as usual. Any users who can view account transactions will be able to access electronic statements.

Will I have access to my balance/transaction reports?

Yes. You will continue to have access to create reports of your transaction history. Companies that subscribe to information reporting, located under “Reporting” on the left panel of the home page, can generate additional reports from a listing of custom reporting options. You may also have access to account reconciliation, ACH reporting, wire transfer reports and statements, which can be found under “Reporting” on the left panel of the home page

Will I be able to view my account statements online?

Yes, users who can view account transactions will be able to access online statements. Users can now also search for and download multiple account statements at the same time by clicking on Reporting and choosing Statements to access the statement viewer.

Will I continue to receive report delivery reports via email?

No, your current report delivery reports will automatically transfer. You may build new reports in the new system and export them online as needed. The new platform does not email reports.

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Need Additional Assistance?

Contact our treasury management solutions center
Monday – Friday from 8 a.m. to 6 p.m. CT for assistance.

Website support: 800.279.3200 > option 1 > option 2

Payments, administration assistance: 800.279.3200 > option 3