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Mobile FAQs


Is there an application for my Blackberry or Windows phone?
No, currently our mobile application is only available for Apple and Android mobile devices. However, you can use an internet browser on your phone and login to Flatwater Online Banking (suggested browsers include Chrome or Internet Explorer). If you do not have access to Flatwater Online Banking, click here to get started.

Where do I get the application?
Click here for detailed instructions.

What are the username and password requirements?

If you are a Flatwater Internet Banking user, no registration is required. Simply download the app and use the same username and password you use for Internet Banking. Otherwise, registration is required. You can choose any username as long as there are no spaces. Remember whatever you choose as your username you will have to type in each time you access your account (unless you have PIN, auto login, or TouchID [iPhone only] to log in activated in user settings). Passwords must be at least 8 characters and have a combination of letters and numbers (they can contain symbols but must have a letter and number also).

Why am I asked so many security questions and where do they come from?

Remember, if you are a Flatwater Online Banking User, no registration is required. Simply log-in to the app using your Flatwater Online Banking Username and Password. Otherwise, when setting up the app for the first time, click on the "New User" button. You will be asked a series of questions to verify your identify. This is one of the ways we are able to confirm you are who you say you are. The "out of wallet" questions are ones that are not easily available to someone apart from the user who is not likely to carry such information in his or her wallet. This data is pulled from your credit report such as: mortgage lender name, previous employer name, auto lender name, etc. Such information is available on a credit report, but not readily available to criminals who may be attempting identity theft. 

It won’t let me register. What do I do?
Please contact the bank at 308-537-7181 during normal bank hours and we can set you up.

Can I change my username?
Yes. In the menu select "MANAGE PROFILE",  "SECURITY" then select "CHANGE USERNAME". Note: If you are a Flatwater Online Banking user, this will be the same username you use for Flatwater Online Banking so be sure to use your updated username to login to Flatwater Online Banking as well.


Can I change my password?
Yes. In the menu select "MANAGE PROFILE",  "SECURITY" then select “CHANGE PASSWORD”. Note: If you are a Flatwater Online Banking user this will be the same password you use for Flatwater Online Banking so be sure to use your updated password to login to Flatwater Online Banking as well.


I don’t know my account numbers, can I rename the accounts listed?
Yes, go "MANAGE PROFILE",  "PREFERENCES" then select select "RENAME ACCOUNTS" to change account names.

Why don’t certain accounts show up in the application?
The only accounts that will show up in the application are those where you are listed as an owner. If you recently opened an account as an owner that is not showing up, please contact the bank to have it added.

I opened a new account but it isn’t showing on my list of accounts on the app?
Additional accounts can be added by notifying the bank at 308-537-7181.

Can I change the order my accounts are listed in?


I made a typo when naming my accounts. Can I change the nickname on an account?

Yes. You can change the name on an account by selecting "SETTINGS", "RENAME ACCOUNTS".

I just made an account transfer and cannot cancel it, why?
A “same-day” account transfer cannot be deleted (only those future-dated). To cancel the transfer you can either contact the bank or transfer the money back.

I forgot my password, what do I do?
Select "FORGOT PASSWORD" on the login page and follow the necessary steps. Or, feel free to call the bank at 308-537-7181 to have your password reset.

Why do I have to have a username and password? I don't want to have to type it each time I access the app.
You have three options. 

PIN login:  This allows you to enter a 4 digit PIN each time you access the app. This can be activated by going to  "MANAGE PROFILE", "SECURITY", "LOGIN OPTIONS".  Turn the "PIN LOGIN" on and select a 4-digit or greater PIN. This allows you to use a PIN anytime you want to access the app.

Auto login: Another option is to enable "AUTO LOGIN" (go to "MANAGE PROFILE" and then select "SECURITY" and then "LOGIN OPTIONS" then turn on "AUTO-LOGIN". This will allow you to go directly into your app without having to enter a username and password. If you utilize auto login we strongly encourage you to have a password on your mobile device. The auto login feature allows you to view account balances and history, in order to do other transaction on the device you will need to login. If you access more than one username on the same device auto login is not available.

TOUCHID: (iPhone users only)  This allows you to use your finger print to login to the app. Select "MANAGE PROFILE", "SECURITY" and then turn TOUCHID "On". TouchID must also be enabled in your iOS settings to work. Once activated, you'll see this message appear when opening the app: "Touch ID for Flatwater Bank Mobile Authentication". Simply touch the home button on your iPhone to open the app using your finger print.

I have a PIN set-up but need to re-enter my new username and password. How do I get the app to allow me to login using my username and password?
Simply select "Username Login" when you open the app. to disable PIN LOGIN. This will allow you to log in using your username and password. To reactivate PIN login, once on the app, go to the "MANAGE PROFILE", "SETTINGS" and select "LOGIN SETTINGS". Turn "PIN LOGIN" on.

I set-up auto login on my device and it no longer works, why?
For security reasons, if you access more than one username on the same device, auto login is not available.

How can I use the app to monitor account activity?
There are a number of security alert features available in the app to help you monitor transactions made using the mobile app. These can be activated by selecting the "MANAGE ALERTS" option. The alerts are sent to users by email. Alerts available include:  Bill Pay Alerts, Security Alerts, and Custom Alerts.

I typed the wrong password and the application will not let me in, what do I do?
If you know the password, wait 15 minutes and re-try. If you do not know the password you will need to call the bank at 308-537-7181 to have your password reset.

What should I do if I lose my phone?
If you think your phone has been lost or stolen, call the bank and we can deactivate your mobile app account.

How do I make a mobile deposit using the application?
Refer to these mobile deposit FAQs.

How do I turn off my debit card using the mobile app?
It's easy, just select "MANAGE CARDS" from the menu. Simply select the card you need to turn off. Once you are ready to turn it back on you can select "On" and you'll be able to use the card again. Don't forget to contact the bank if you think your card has been compromised.

Why can't I see certain debit cards?
Remember, the mobile app provides access to cards based on account/card owner of the registered user of the app. The user registered to the mobile app will be able to see their cards only.