Frequently Asked Questions

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

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. 

• 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.

• 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.

Clients can change the status of their debit card by calling the bank and speaking with a representative, by using our 24-Hour Banking service, by visiting an ATM, or by using our Digital Banking platform solution. Our Digital Banking platform solution is accessible via mobile app or web browser.

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.

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.

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.

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. 

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).

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

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.

You have the option to block all transactions or receive notifications when these types of transactions are attempted:

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

1. From the Menu located on the left, select Accounts.

2. Hit the + Button to add.

3. Select Link an Account. This will open a new page.

4. Hit Next to proceed.

5. Type in the name of your other financial institution or select it from the “Most Commonly Used” list, if available.

6. Hit next.

7. Select your preferred method for an Authorization Code (Text Message or Phone Call).

8. Enter the code and hit Submit.

9. Enter the username and password you use to access the other Financial Institution’s accounts online. If this Financial Institution requires you to authenticate as well, follow the steps to confirm your identity.

10. Agree to the terms and conditions.

11. Verify you received confirmation that adding the new account was successful. You should now see the account within your Baker Boyer Digital Banking.

Yes, using our new method of adding non-Baker Boyer accounts you will be able to link your investment accounts and view your balance, along with any transactions that are available for those accounts. For the initial release, the ability to pull in Position data and show details about the individual stocks that are included within the investment will not be available. We are working on a solution to be able to provide you with that information. At this time, we do not have an estimated completion date; however, we will continue to provide updates.

When you archive an account, that account will no longer be used in the different features available on this application. As where closed accounts show historical information, archived accounts will not show any historical or new information throughout the various features on this application. We are suggesting that you consider archiving any accounts that you previously added before you re-add that same account using our new method of adding non-Baker Boyer accounts. When you add an account using our new method, we will retrieve 180 days of historical data for you. If the account you previously added has transactions in that 180-day window, you will see those same transactions appearing for the new account you added as well. For security reasons, we do not access your account number, and because of that, we view those accounts as two distinct accounts. By archiving the account, you added using the previous method, you will eliminate the possibility of seeing the same transactions under different accounts. If you do not have transactions available in the previous 90 days for accounts you previously added, you do not need to be concerned about this scenario. If you do not wish to archive accounts you previously added, you can also use the filters available for each of the features in our application to select which accounts you wish to hide or show.

For any account that is listed as closed, you will still be able to see the historical data that shows today throughout the various features of our application, but we will no longer be able to access these accounts, and because of that, updates to those accounts, or any new transactions, will no longer be available. To access the latest account information, you will need to re-add those accounts using our new method of adding non-Baker Boyer accounts. If you are adding accounts you previously added, you should consider archiving the account that was added using the previous method - please see the section below for more information.

In order to provide you with the best solution for accessing and adding non-Baker Boyer accounts, we had to upgrade the method in which we access those accounts. This new method prevents us from being able to access accounts that were previously added using the preexisting method and are therefore considered Inactive. To have these accounts show as active accounts, you will need to add that account again using our new and improved method.

If you have added an account using our new and improved method of adding non-Baker Boyer accounts, and that account was previously added using the preexisting method of adding accounts, we will view those as individual accounts. When the new account was added, we retrieved 180 days of historical data for that account, which has the potential to overlap with the account you previously added. To remove the transactions that appear to be duplicates, we suggest archiving the account you previously added. Please keep in mind archiving an account will result in losing historical data for that account. If you prefer not to archive an account you previously added, most of the individual tools we provide allow you to choose which accounts you prefer to use. For example, if you are seeing transactions that appear to be duplicates, you can change the transaction filters to exclude the account you added using the previous method of adding non-Baker Boyer accounts.

If you no longer see a goal that you previously created, it’s likely that the account you used to set up that goal is no longer available. If you have deleted or archived an account that was being used by a goal, you will need to create a new goal using an active account.

If the goal you created is tied to an account, we no longer have access to, we will be unable to retrieve new transactions from those accounts. If the account that is being used by your goal is a non-Baker Boyer account and is listed as an inactive account, you will need to re-add this account using our new and improved method of adding non-Baker Boyer accounts. Once added, you will need to update your goal to use this account. For payoff goals, that means going into that goal and updating it to use the new account you just added. For saving goals, you will need to create a new goal.

In order to provide you with the best solution for accessing and adding non-Baker Boyer accounts, we had to upgrade the method in which we access those accounts. This new method prevents us from being able to access accounts that were previously added using the preexisting method and are therefore considered Inactive. To have these accounts show as active accounts, you will need to add that account again using our new and improved method.

In order to provide you with the best solution for accessing and adding non-Baker Boyer accounts, we had to upgrade the method in which we access those accounts. This new method prevents us from being able to access accounts that were previously added using the preexisting method. To see the latest account and transaction information you will need to add that account using the new and improved method.

Unfortunately, this change no longer allows us to access non-Baker Boyer accounts you have already added using the previous method, and they will be marked as inactive accounts. Historical data will still be available for these accounts, but we will not be able to retrieve new transactions or updates associated with the accounts.

We have upgraded our non-Baker Boyer account aggregation service to provide you with a better user experience that gives you access to more of your accounts and includes the latest authentication protocols to keep your accounts safe.

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.

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.

• 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 Digital Banking Login button in the upper right of the toolbar.

If you do not have a Digital Banking profile, please contact the Bank. One of our Customer Service Representatives will be happy to assist you between the hours of 8 am and 6 pm on weekdays at 509/525-200.

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. 

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

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

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

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.

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.

Step-by-Step Visual Guide

In this example, we are setting an alert for deposits over $599. You can also set alerts for withdrawals and balances. Alerts are set per account. 

Step 1: Click on the Account you would like to set an Alert for. 

Step 2: Click Alert preferences

Step 3: Click on Transaction (for this example, setting up a deposit Alert)

Step 4: Click Add alert

Step 5: Complete the screen, including transaction type, dollar amount, and notification preferences. When finished, click the Add alert button at the bottom of the screen.

Step 6: Verify the Alert preference is set up as you intended.

Step 7 (if needed): If you decide you want to remove or change the Alert, click 'Edit' to the right of the Alert in the illustration above. Then you can either make changes to the Alert and Save or click the trash can symbol to Delete.

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.

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. 

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

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.

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

Read more here

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.

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

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

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.

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

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. 

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.

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.

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.

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.

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.

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.

• 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.

• Review transaction history, check images, and deposit slips.
• View Loan, Safe Deposit Box, and Time Deposits details.
• Transfer funds between accounts held at Baker Boyer.
• Transfer funds to another bank you are a signer on using our External Transfers option.
• Make payments using Bill Pay.
• Access eStatements.
• Update personal information such as address, phone number, and email.
• Create a custom User ID.
• Manage 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.

Digital Banking can be downloaded from Apple Store or Google Play. Search for "Baker Boyer".

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.

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

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).

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. 

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.

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

Many older bookmarks contain outdated security information which could re-direct you to outdated versions of our service. If you attempt to log in 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.

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.

Consumer Mobile Deposit limits:

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

Micro-Business Mobile Deposit limits:

• 15 checks per day; and 60 checks per month
• $5,000 per day; and $10,000 per month

All client information is secure and confidential. Baker Boyer will not share your information with anyone without your permission. We do not report to credit bureaus. Request your free financial counseling session, today!

One of the first things a financial counselor will do is put together your budget. Having an idea of your income and expenses is helpful and if you have billing statements handy, even better!

The first general financial counseling session takes about an hour. Although it will depend on your unique situation and what you need to accomplish your goals. 

Yes. General financial counseling, including credit counseling and debt counseling, is free. Some of our specialized services for reverse mortgage and homebuyer assistance have a fee. 

Please visit our Community Impact page to learn more about how qualifying non-profit organizations may apply for charitable gifts or sponsorships. 

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.

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.

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

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.

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. 

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). First-time users will need to contact the bank directly at (509) 525-2000 during business hours to have the service set up.