News & Promotions

First Bank of Baldwin has some exciting news to share with you!

Over the last several months, we have been diligently preparing to upgrade and enhance our product offerings and services for you. These enhancements will be rolled out over the next few weeks which includes real-time processing, a new and improved mobile app that includes mobile deposit and bill pay capabilities, increased debit card security with the ability to turn your debit card on and off, an enhanced online banking experience and more.

Our system upgrade begins Thursday, August 24th and will be completed by Monday, August 28th. Please take the time to read the enclosed information regarding this upgrade. We apologize in advance for the inconvenience, as you will see some service interruptions over those couple of days.

We appreciate your business and welcome any questions you may have about the information highlighted in this newsletter. Please don’t hesitate to contact one of our bankers at 800-499-4362. We are happy to help!


Debit Card Upgrade Information:

You can activate and begin using your new card on Wednesday, August 23rd or after.

Important Details:

  • Your Current Visa Debit Card: Continue to use through August 22nd.

On August 23rd activate and start using your new MasterCard Debit card.

  • PIN Number: You will receive a separate mailing with a new PIN number in early August.
  • Activation Date: You can only activate your new debit card on or after August 23rd.

Directions to activate Unlike previous activations where you call a phone number, the way to activate your new card (on or after August 23, 2017) will be at a retailer when you make your first debit card purchase or with an ATM withdrawal.


IMPORTANT: You will need your new PIN to activate your card.


STEP 1: Insert or swipe your card at the retailer terminal or ATM.

STEP 2: Select DEBIT instead of CREDIT.

STEP 3: Enter your NEW PIN. Your old PIN will not be accepted. Watch your mail for your NEW PIN.

STEP 4: Your card is activated! If you need assistance with your activation, please call 800-499-4362.

  • Charges to my card: You will receive a new card number and a new expiration date. If there are merchants that automatically bill your card or have your card on file, you will need to provide them the new information. Please note: If you set up auto pay where the merchant draws from your checking account, you do not need to update that merchant. This is only for merchants where you provided your debit card number.
  • Higher Debit Card Limits: Your Debit Card limits will increase for purchases to $1,000 per day, and ATM withdrawals will increase to $300 per day starting August 28, 2017.
  • NEW ATM Network: Introducing MoneyPass, with access to over 30,000 surcharge free ATM’s nationwide. For a list of MoneyPass ATM locations please visit As of August 23rd, 2017 there will be a $2.00 fee for each non-MoneyPass ATM transaction.
  • Security Features: You will be able to set various EMAIL ALERTS and will have the ability to TURN YOUR CARD ON/OFF via Online Banking and the Mobile App on or after August 28, 2017.


Online Banking Upgrade Information:

You will need to re-enroll for Online Banking on Monday, August 28th or after.

Important details:

  • You will be prompted to go through the step-by-step instructions to set up a new user name, password, and security questions.
  • You only need to activate your Online Banking account ONE TIME and can do so via Online Banking or by downloading our new Mobile App.
  • There will be a gap from August 24, 2017 at 5:00pm to August 28, 2017 where Online and Mobile services will not be available.

Directions to re-enroll on or after August 28, 2017

STEP 1: Start by Entering Your Existing Login ID. Begin by finding the login section. Use your existing Login ID and click Log In.

STEP 2: Enter Your Security Code. Your security code is your Login ID plus the last four of your Social Security Number. Example: Username1234.

STEP 3: Create a Login. Choose your Username and Password.

STEP 4: Security Questions & Answers. Select a question from each of the 3 drop down menus and set an answer for each. Answers must be at least four characters.

STEP 5: Personal Greeting & Image. Enter a personal greeting and select a personal image.  Personal greeting must be at least four characters.

STEP 6:   Log in to Online Banking. Answer the security question and input your password to access Online Banking.


Mobile Banking Upgrade Information:

You will need to download our new app on or after Monday, August 28th.

Important details:

  • Download our new app from the iTunes Store or Google Play.
  • If you are not already enrolled, the first time you login to the new App you will use your current Online Banking user name and your password will be your user name plus the last 4 digits of your social security number.
  • Once you login you will be prompted to reset your password and security questions.
  • You can activate your Online Banking account for the first time via your mobile device.
  • If you have already activated your Online Banking Account you will not need to enroll again on your mobile device.
  • There will be a gap from August 24, 2017 at 5:00pm to August 28, 2017 where Online and Mobile services will not be available.


Estatement Upgrade Information:

Important details:

  • E-Statement Customers will receive paper statements at the end of August, but will return to E-Statements for the September cycle.
  • Moving forward all statements will be issued at the end of each month.
  • You will need to login and save any statements that you will want access to before August 24th.
  • As of August 25th your statement history will not be available online for the period prior to August 24, 2017.


Bill Pay Upgrade Information:

Important details:

  • We will be partnering with a new Bill Pay service provider. The system will maintain your payee information but not your transaction history.
  • You will need to login to download your Bill Pay transaction history before August 23rd.
  • Once the new system is available on August 28th you can login and verify your payees moved over correctly.
  • You will need to set up any eBills you use in the new system as these will not transfer over.
  • The last date Bill Pay will be available on the current system is August 23rd until 5pm and the first date you can submit payment on the new system will be August 28th after 10am.
  • To avoid any bills not being paid on time, do NOT schedule any payments from August 24th through August 28th, as they will not be paid until after August 28th, 2017.


Paper statement Upgrade Information:

Important details:

  • Customers may receive multiple statements in August.
  • Going forward, statements will contain the same information, but will have a slightly different design.


Telephone banking Upgrade Information:

Important details:

  • 1st Line will be down from August 24th at 5pm through August 28th at 10am.
  • On August 28th you will be able to call the same 1st Line phone number; 855-368-6528.
  • The first time you log in to your account using 1st Line on or after August 28th you will need to use the last 4 digits of your Social Security Number.
  • Listen carefully to the instructions as you will be prompted to change your password, and reset your security questions and answers.

If you have any questions about the information above please reach out to our customer service team by calling 800-499-4362

We appreciate your patience through this process.

Important Equifax breach information along with Cybersecurity Incident & Important Consumer Information.
We strongly advise customers to enroll in the complimentary identity theft protection and credit file monitoring services you will find at:

What to do if you were hit by the Equifax breach 9/8/17

Elizabeth Weise

 SAN FRANCISCO — An estimated 143 million U.S. consumers could be affected by a cybersecurity attack carried out against Equifax, one of the nation’s three largest credit-reporting companies.Normally one of the first things victims are told to do is to go to a credit-reporting company and request their records to make sure that there are no unauthorized accounts or charges on their existing accounts.

This time around, experts suggest checking with Equifax rivals, Experian and TransUnion.

While there is no evidence of unauthorized activity in the Equifax credit reporting databases, the company said that there was potential unauthorized access to information it had stored from mid-May through July 2017. The information included names, Social Security numbers, birth dates, addresses and, in some cases, driver’s license numbers.

The hackers also got  access to credit card numbers for roughly 209,000 consumers, plus certain dispute documents with personal identifying information for approximately 182,000 consumers, Equifax said.

In the wake of this breach, experts counsel several immediate actions:


Users should avoid clicking on links or downloading attachments from suspicious emails that claim to be updates from Equifax or connected to the breach.

Equifax will send paper mail to consumers whose credit card numbers or dispute documents with personally identifying information were impacted. It has also created a dedicated website for consumers to see if they were affected at They can also call the Equifax call center at 866-447-7559.

Hackers often use news of big breaches to conduct “phishing” campaigns, sending official-looking emails that make it seem as if the affected company or other legitimate services are asking them to supply information or click through to a link to repair any damage.

When in doubt, call or email the company that appears to be sending the message separately, don’t go through the email you’ve been sent.


Especially if you typically use similar passwords and security questions on multiple accounts, do this. Once hackers have access to ID and password information for one system, they routinely try the same combination against multiple other platforms to see which ones work, an easily automated process.


For the vast majority of victims who didn’t have credit information compromised, the biggest risk here is that a criminal uses this information to answer your “security questions” and reset your password.

That usually sends a password reset to your email account, so making sure that email account is secure should be your primary concern, said Nathaniel Gleicher, head of cybersecurity strategy for Illumio, and former director of cybersecurity policy for the White House under President Obama.

Two-factor authentication keeps them from doing that by sending a text message or call to the user’s phone with a code as a second verification step. The code which must be typed in before the account can be opened.


Review your online accounts for suspicious activity. That includes banks, credit card companies and hotel and airline loyalty programs. Hackers frequently slice and dice information from large data breaches, selling groups of user information for specific companies on the dark web. Even the smallest accounts can be bundled together into a large group to be sold.

Make it a practice to turn your debit cards Off when not in use.
First Bank of Baldwin is excited to be one of the first Community Banks in Western Wisconsin to offer this advanced technology.
It’s your best defense against debit card fraud. Simply use the FBB Mobile App (or use Online Banking) to control turning your debit card off or on for greater security.*
This convenient control will keep your cards from unauthorized use in the event that someone has fraudulently captured your debit cards numbers.
We have seen many situations at our community bank, where a customer may not be aware that their debit card is being used by thieves to make online or in-store purchases. Please keep an eye on your transactions through your online statement and contact us if you see any fraudulent transactions.
Play it safe and download the app today, available on iTunes or the Google Play store.
*Turning your card Off only impacts future debit card (point of sale and ATM) transactions.  Any previously authorized transactions will be paid, and any recurring transactions you had previously set up will still occur.  Turning your card Off will not affect your checks, mobile, internet banking transfers or bill pay.
For more information please call 800-499-4362.