We go with your flow. Bank whenever, wherever — on your computer or smartphone — with our digital banking services.

iPhone  Android

Online Banking

  • Free, secure, and easy-to-use service for Two Rivers customers
  • Manage a number of banking activities anytime, anywhere with internet access:
    • Access E-statements
    • View account balances and history
    • Transfer funds between accounts (one-time and recurring transfers)
    • View checks written
    • Make loan payments
    • Send text and email alerts1
    • Use SPIN to send person-to-person payments
    • And more


Get up and running on our online banking platform quick with these guides:

Learn Even More

Bill Pay

  • Pay one-time or recurring bills with ease:
    • Schedule payments in advance
    • Set up payment reminders
    • Ensure payments are received on time
    • Have all payee information in one convenient place
    • Retain funds until paper drafts are presented for payment
  • Avoid paper clutter
  • More secure than paper billing
  • Make more time for yourself; fewer bank trips necessary
  • Print or download to popular financial management software like Quicken® or QuickBooks™

Get Started

To enroll, log in to our secure online banking system. Or call us at 888-226-6063.

And watch how online bill pay enables you to make payments, track payments and manage finances all in one convenient place.

Need Help?

Bill Pay Support: 844-821-9269

Monday–Friday: 7:00am – 1:00am CT

Learn Even More

  • When you login to your Online Banking or Mobile App, you will be prompted to authenticate your login.
  • There are three different ways that you can authenticate your login: (1) phone call, (2) text, or (3) by using an app called DUO.
    • Any of these options are great methods for protecting yourself and your information.
    • Click the OOBA Set-Up Document link below for a step-by-step guide to authenticate your login.
    • Click the OOBA FAQs for some helpful answers to questions that you may have.
  • This process will help keep you, your family, and your information safe.
  • Remember to never give your login code to a third party. Two Rivers will never ask for this information, so it is important to keep it to yourself.

How to Set it up:

Learn how to set up the enhanced login security with the links below.

OOBA Set-Up Document


Mobile Banking

  • Fast, free, and secure service for customers enrolled in online banking1
  • Available to Two Rivers customers
  • Easily keep track of your finances — even on the go:
    • View account balances
    • Review history
    • Transfer funds between accounts DETAILS 3 Details NameDetails ContentParagraphTo open the popup, press Shift+EnterTo open the popup, press Shift+Enter Delete
    • Receive alerts
    • Pay bills
  • Available via any web-enabled mobile device
  • Use this service in two convenient ways:
  • Save valuable time and effort; avoid an extra trip to a branch

See For Yourself

Looking for more information? Check out all of these mobile banking features.

Mobile Deposit

  • Deposit checks anytime, anywhere from your mobile phone
  • Free service for customers with a Two Rivers checking account
  • Deposit your check with a few taps of your finger:
    • Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
    • Select the checking account into which you want to make the deposit
    • Enter the check amount
    • Verify that everything on the screen is correct, then submit it
    • We'll confirm that the check has been received
  • Save time, avoid unnecessary trips to a branch

Important: When you endorse your check for mobile deposit, please also write "For Mobile Deposit Only at Two Rivers.”

Note: See Mobile Deposit Agreement for limitations associated with our Mobile Deposit service.

Business Days and Funds Availability: Mobile Deposit Transactions confirmed as received before 3:30 p.m. Central Time on a business day will be credited to your account by the following business day as defined within our Funds Availability Policy. Mobile Deposit Transactions confirmed received after 3:30 p.m. Central Time and deposits received on a non-business day will be credited to your account on the next business day.


1Please note that standard charges from cell phone carriers may apply for text messaging and/or web access.

For your reference, please find our complete Terms and Conditions.