Enhanced Digital Banking FAQs

Existing Digital Banking Users

• Log into Digital Banking with your existing username and password.
• For members accessing their personal accounts, select the “Reset my password” button.
• Complete the prompts to verify your identity and select continue.
• This will generate a temporary passcode you will receive via SMS, Voice, or Email.
• After entering the passcode, you will receive a prompt to reset your password. Your new password must meet the minimum requirements:
  • Password minimum length is 12 characters.
  • Password must contain lowercase characters.
  • Password must contain an uppercase character.
  • Password must contain a numeric character.
  • Password must contain a special character.
  • Password daily limitations – you may only change your password once within a 24-hour period.
• You will be presented with Cobalt’s digital banking disclosure. Please read these thoroughly before agreeing to the terms. Select Continue. You’ve now successfully set up your account in our new digital banking platform!

Please review our tutorial video for additional assistance on logging in for the first time.

First Time Digital Banking Users

• Navigate to digital banking from our website or the mobile app and click “Register a New Account.”
• If you use OLB for your personal accounts, select “Register my individual account.”
• You will be presented with Cobalt’s digital banking disclosure. Please read these thoroughly before agreeing to the terms. Select Continue.
• Follow the remaining prompts to set up your account, including creating a password that meets the following criteria:
  • Password minimum length is 12 characters.
  • Password must contain lowercase characters.
  • Password must contain an uppercase character.
  • Password must contain a numeric character.
  • Password must contain a special character.
  • Password daily limitations – you may only change your password once within a 24-hour period. You’ve now successfully registered your account in our digital banking platform!

For additional assistance, please review our tutorial video on registering a new account.

iOS devices:

• Update your existing Cobalt mobile app.
• Log in with your username and password.

Android devices:

• Delete your existing Cobalt Mobile App.
• Go to the Google Play Store.
• If searching for the app, please type "cobalt mobile banking", exactly as shown below.
• Download the Cobalt Mobile App.
• From there, you can log in with your username and password.

Yes, unless your current username only has numeric values. If this is the case, the system will prompt you to provide a more secure username using alpha and numeric characters.

Contact information is being pulled from your Cobalt account records. If you have a previous phone number or email address on file with us, please call 402.292.8000 or visit one of our branch locations for assistance.

You will need to reenroll in Biometrics using our new mobile app. To turn on biometrics, follow the prompts when you first log in or navigate to Settings, select Biometrics, and toggle the settings to On.

You can change your username and password by navigating to Settings and selecting Security.

Yes, each owner will have a separate login to provide a customized and specific user experience.

All accounts will be assigned by SSN or TIN. You can view personal accounts using your personal login information.

If your business has a separate TIN or registers your sole proprietorship separately to allow for specialized business services, your business accounts will be viewed under a business login.

Cobalt Digital Banking will generally support the two latest versions of Chrome, Firefox, Edge, and Safari browsers.  

For mobile devices, Chrome for Android and Mobile Safari for iOS support the current device OS browser.

Once logged in, navigate to Transfer & Pay, followed by Bill Pay. Upon first access, you will see a Welcome Screen.

Go to Manage Billers to view all your billers. Please confirm that the account numbers and information have been transferred over correctly.

Yes, any bill payments scheduled in our previous Bill Pay system will be transferred and processed through the new system. Please review your scheduled payments to ensure everything transferred over correctly.

Yes, your current payee and payment information, along with the last 12 months of your bill pay history, will transfer to the new system. Please review your billers and ensure all details transfer correctly.

No, existing payees and scheduled payments will appear in the new platform.

Unfortunately, no. They must be reentered. You will need to set up e-billing for any payee that you had set up in the previous system.

Bill payments sent electronically will be processed within 2 to 3 business days.

Check payments may take up to 7 business days to process. To ensure your payments arrive on time, we recommend scheduling check payments at least a week before the due date on the bill.

For helpful information and tips on how to pay bills in the system, please review our tutorial video.

For helpful information and tips on how to add billers in Bill Pay, please review our tutorial video.

Yes, all recurring transfers will automatically move over to the enhanced platform.

Yes, you can modify (edit or delete) recurring transfers after the conversion by navigating to Transfers and Payments and selecting Scheduled Transfers. From there, you can make modifications or cancel the recurring transfer.

No, you must set up and verify all external accounts in our enhanced digital banking platform. Any previous transfers utilizing TransferNow will not carry over and must be set up again.

Businesses registered as sole proprietors can self-register through digital banking via the steps outlined below.

• Navigate to our Registration Page. 
• Select "Register to my Business Account."
• Review the Internet Banking Agreement & Disclosures and select "I agree" and the "Continue" button.
• Complete the remaining prompts to verify your identity and business information.

For additional help, please reach out to our member service or video banking team through our live chat feature. 

If your business is not registered as a sole proprietor, you must schedule an appointment with a Cobalt team member to set up your digital banking account. You may schedule an appointment online or by contacting our member service team via the live chat feature. 

To schedule an appointment online, please follow these steps:

• Navigate to Cobalt's Appointment Scheduler.
• Select the Business Services tab. 
• Under Select a Service, choose Business Digital User Setup.
• Choose whether you'd like to meet in-person or over the phone. 
• Select the location and team member, followed by the date and time that works best for your schedule. 

Please refer to our Digital Banking Manual for Business Users for detailed instructions on setting up your business account(s) in our enhanced digital banking platform. Our team is here to help via live chat if you need further assistance. Click the "Connect with Us" button below to get started.

Yes. Using the Accounts page, select Share, followed by the Export icon.   

For additional Quickbooks and Quicken support, please visit our Business Resources page.