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New Banking Experience

Upgrade Coming October 22, 2026

Dairy State Bank is upgrading to a new online and mobile banking platform. Your accounts will transition automatically, bringing you enhanced features and a seamless experience across all devices.

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Scheduled Maintenance - Online Banking and the Mobile App

Tuesday, October 20 at 5 pm through Thursday, October 22 at 9 am

As we prepare for a new digital banking experience, Online Banking and the Mobile App will be unavailable, or have limited services, during this time.

Dairy State Bank is upgrading our online banking experience to a new, full-featured platform for personal and business users. As part of this upgrade, your existing online and mobile banking accounts will transition to our new platform offering enhanced features, improved functionality, and consistent experiences across all your devices.

The transition to our new platform takes place over three days: October 20, 21, 22, 2026. During this time, some services will be temporarily unavailable or have limited functionality.

Prior to the migration, Business Bill Pay will be unavailable, beginning October 16^th and will not be available until the conversion is complete.

Tuesday, October 20 at 5:00 pm – Upgrade begins
Thursday, October 22 at 9:00 a.m. – Upgrade complete

We'll keep this page updated with important information, key dates, and helpful tips to guide you through the transition every step of the way.

Prepare for your first Login

Get the information you need before you log into the upgraded system for the first time.

Personal Online Banking

Login Credentials: It is important that you know your login credentials (User ID and Password) before October 20 to successfully log in. Biometrics and auto-populated credentials will not work for first time login to the updated system.
Transfers: Internal and External transfers will automatically convert to the new system.
Bill Pay: BillPay users will not need to re-enter payee information. All information will transfer to the new platform, including existing payees, payment history, recurring payments, and scheduled payments.

Click for More Information

Business Online Banking

Login Credentials: It is important that you know your login credentials (User ID and Password) before October 20 to successfully log in. Tokens will not work for the first login after the upgrade. Biometrics and auto-populated credentials will not work for first time login to the updated system.
Bill Pay: Bill Pay users are advised to review their payee list.
Recurring Transfers: Recurring internal transfers will transfer over to the new system and will not need to be re-established.
Positive Pay: Exception review for Positive Pay will be unavailable on Wednesday, October 21. If exception alerts are received, please contact a member of our Ebanking team at 715-234-9181 for additional information.

Click for More Information

Mobile App

Personal Users: Personal mobile users will be prompted to update your current Dairy State Bank app the first time you open it after the upgrade.
Business Users: Business mobile users will need to delete your current business mobile app and download the new Dairy State Bank app. The new app will be available starting Thursday, October 22.

(Coming Soon)

Other Important Information

Update Your Contact Information: Some functions may depend on your information (e.g. email or phone number) being correctly stored in our system. Please ensure that you have provided your most up to date information as this contact information will be required to receive a one-time passcode upon your first login.
Browser Shortcuts: Delete any shortcuts saved in your browser for online banking. All logins will be achieved by visiting our homepage at www.dairystatebank.com.
Saved Logins: Login credentials saved in your browser, or credentials saved on your mobile device by use of Face or Touch ID will not be recognized for first logins. Ensure that you know your User ID and password for a smoother transition.
Debit Cards: Debit cards will operate as normal during conversion, but Card Management will not be accessible while the mobile apps are down.
Pop-Up Blockers: When accessing Positive Pay or remote deposit capture, browsers may block a required pop-up. If prompted with a "Pop-ups blocked" window, please select "allow pop-ups."

Upgrade Schedule

Online and Mobile Banking will be temporarily unavailable, or have limited services, October 20-22, 2026

Date & Time	Service	Status
Friday, October 16	Business Bill Pay	🔴 Unavailable
Monday, October 19 4:00 PM	ACH File Submission	🔴 Unavailable
Tuesday, October 20 7:00 AM	Personal Bill Pay	🔴 Unavailable
Tuesday, October 20 4:00 PM	Wire Transfer Submission	🔴 Unavailable
Tuesday, October 20 5:00 PM	Personal Online Banking & Mobile Banking	🟡 View Only (no transactions)
Tuesday, October 20 5:00 PM	Business Online Banking & Mobile Banking	🔴 Unavailable
Tuesday, October 20 5:00 PM	Telebank	🟡 Inquiry Only (no transactions)
Wednesday, October 21	All Systems	🔴 Unavailable or in limited-access mode
Thursday, October 22 9:00 AM	All Systems	🟢 Fully Available

Your Dairy State Bank team is here to support you at every step of this upgrade. Please review the upgrade materials on our website. Should you need additional support, please call us at 715-234-9181.

Login Upgrade for Personal Accounts

Logging into your personal banking experience is simple and secure.

Desktop users may access online banking by clicking the yellow login button in the upper right corner of the Dairy State Bank website.

Mobile users will be automatically prompted to upgrade to the new experience by updating the app. If you are not automatically prompted, download the Dairy State Bank app from your device’s app store to manually update the app.

The first time you log in, you'll use your User ID and password, and will verify your identity.

Known User ID and Password

Click the Yellow Login Button in the upper right corner of the website or open the Dairy State Bank app.
Enter your User ID and Password. Click Login.
Choose Text, Phone, or Email for verification.
Enter the verification code from the message and click Login.

Unknown User ID

Don't know your User ID? Call us for assistance.

Unknown Password

Click the Yellow Login Button in the upper right corner of the website or open the Dairy State Bank app.
Select Forgot Password? to retrieve or reset your credentials.
Complete your User ID, Last Name, and Email and click Submit.
You will be prompted to create a new Password.
Choose Text, Phone, or Email for verification.
Enter the verification code from the message and click Login.

Note: Dairy State Bank employees cannot reset your password for you. If your record is locked, selecting the Forgot Password feature will unlock and prompt a password change.

Biometrics

First time login will require User ID and Password. Mobile users can reestablish biometrics (like Face ID or fingerprint recognition) after you have successfully completed the initial login.

Log in to the mobile app.
Go to Settings.
Select Face ID or Fingerprint recognition

Multifactor Authentication

When logging into online/mobile banking, if you choose the phone, text, or email option, you will receive a one-time passcode.

Login Upgrade for Business Accounts

Logging into your business banking experience is simple and secure.

Desktop users may access online banking by clicking the yellow login button in the upper right corner of our website.

Mobile users should delete the existing Dairy State Bank Business Banking app from your device and download the new, unified Dairy State Bank app from your device’s app store (available starting October 22, 2026.)

Tokens - Important Login Info

During the initial login, both token and non-token users will authenticate using a one-time verification code sent to their phone or email.

Token Users

You will use your User ID and Password to log in. You will no longer use a token and PIN for your log in process.

After initial log in verification, users will register their token. Your token will be required when you use ACH or Wires.

Soft token users will need to install a new authentication app called FI DigiPass.
Hard token users will not need an authenticator; instead, you will use your token code.

Non-Token Users

During future logins, a one-time verification code may be prompted based on activity and functions used.

Verification/authentication is needed for the following actions:

Changing email address, phone number, or password
Using a Forgot Password action

Known User ID and Password

Click the yellow login button in the upper right corner of the Dairy State Bank website or open the Dairy State Bank app.
Enter your User ID and Password. Click Login.
Choose Text or Phone for verification.
Enter the verification code from the message and click Login.

Unknown User ID

Don't know your User ID? Call us for assistance.

Unknown Password

Click the yellow Login button in the upper right corner of the Dairy State Bank website or open the Dairy State Bank app.
Select Forgot Password? to retrieve or reset your credentials.
Complete your User ID, Last Name and Email Address and click Submit.
You will be prompted to create a new Password.
Choose Text, Phone or Email for verification.
Enter the verification code from the message and click Login.

Note: Dairy State Bank employees cannot reset your password for you. If your record is locked, selecting the Forgot Password feature will unlock and prompt a password change.

Soft Token Registration

After logging in on your computer, scan the QR code displayed on the screen to download and install the FI DigiPass authenticator (Orange App) OR search for the app in your phone's app store.
Follow the on-screen prompts to register and activate your token.
Once registration is complete, delete the DigiPass for Business Banking app, as it will no longer be used.

Biometrics

Mobile users can re-establish biometrics (like Face ID or fingerprint recognition) after you have successfully completed the initial login and Authorized Device Enrollment.

Log in to the mobile app.
Go to Settings.
Select Face ID or Fingerprint recognition to verify enablement.

Multifactor Authentication

When logging into online/mobile banking, if you choose the phone, text, or email option, you will receive a one-time passcode.

Positive Pay for Business Users

Positive Pay Exception review will be unavailable on Wednesday, October 21. If exception alerts are received, please contact a member of our Ebanking team at 715-234-9181 for additional information.

After the upgrade, to access Positive Pay, click the Accounts dropdown and select Risk Management Services.

Not working?

Your pop-up blocker may be enabled and you will need to turn it off.

Google Chrome - Pop-up Blocker

Stay on the webpage you're having trouble accessing.
Click the View site information icon.
Select Site settings.
Under permissions, find Pop-ups and redirects line and select Allow in the dropdown menu on the right.

Microsoft Edge - Pop-up Blocker

Stay on the webpage you're trying to resolve pop-ups for.
Click the Lock icon shown in the URL bar.
Click the Permissions for this site option.
Find the Pop-ups and redirects option and ensure Allow is selected.

Alternatively, you can:
Click the three vertical dots in the upper right corner. Select Settings. Select Privacy and security from the left-hand menu. Open Site settings. Select Pop-ups and redirects. Enter the website address and press Add.

Safari - Pop-up Blocker

Open Safari.
From the Safari menu, choose Settings (or Preferences on older versions).
Click the Websites tab at the top of the window.
Scroll down the left-hand sidebar and select Pop-Up Windows.
Locate the When visiting other websites dropdown menu at the bottom right and select Allow. You can adjust settings for specific sites you currently have open.

ACH for Business Users

To access ACH, you must use your original password (not token and PIN) for your first login. If you forgot your password, you can reset it by clicking Forgot Password on the login page.

Plan for early file submission (including payroll) or alternate payment processes during the ACH downtime period beginning Monday, October 19 at 4:00 PM.
If you have a payroll file the week of Oct. 19-23, plan to submit the file early. No ACH files will be able to be uploaded beginning Monday, October 19^th at 4:00 PM until migration is complete on Thursday, October 22^nd at 9:00 AM.

User Permissions

If you have permission to initiate ACH transfers in business online banking prior to the upgrade, those permissions will automatically carry over to the new platform.

ACH Payees

All existing ACH payees will automatically migrate to the upgraded platform. No additional action will be required.

ACH History Migration

A detailed history of ACH transactions will not migrate from the current platform to the upgraded platform. After the upgrade is complete, a new transaction history will begin building in the system.

ACH Templates

If you have not already done so, create templates for a smoother upgrade transition.

ACH templates will migrate to the upgraded system. However, once the upgraded experience is live, please review your templates, participants and related accounts before initiating a batch.
Recurring ACH transfers and/or future-dated ACH payments will not migrate to the upgraded system. Recurring and future ACH payments will need to be reestablished and set up again in the new platform.
It is good practice to ensure all of your payee and payment information is stored outside of the digital banking environment.

ACH history will not transfer during the digital banking upgrade. If you are used to copying a previous file to create a new file, save those files as templates so they are available for use in the new system.

Sign into Online Banking, go to Payments & Transfers and choose ACH. You should reach the Activity Tab.
Choose your file to save as a template and select Copy or Edit.
This will bring up a file, scroll to the bottom of the page and select Save for later.
From the next screen, choose Save as template.
Make any changes you may need including the template name and then Save at the bottom of the screen.
It will now be available under the Template tab and will migrate to the new system after upgrade.

Please note that templates are only accessible to the user who created them. If multiple users need access to a template, contact [email protected] before Monday, October 19 at 4:00 PM to add additional users.

Bill Pay for Business

We are excited to inform you about an upcoming enhancement to your online and mobile business banking experience. On October 22, 2026, we will be migrating from our current Bill Pay product to our new and improved accounts payable and accounts receivable platform, called CashFlow Central. This transition is designed to provide you with a more comprehensive and user-friendly financial management solution.

What is CashFlow Central?

CashFlow Central is an all-in-one financial management solution designed specifically for small businesses, empowering you to take control of your cash flow with real-time insights, automated invoicing, and comprehensive expense tracking. Simplify your financial processes, make informed decisions, and drive growth with CashFlow Central!

What’s next?

As we prepare for this transition, there are a few important steps to note:

Temporary Outage: Beginning Friday, October 16, Bill Pay will be unavailable to ensure an accurate transition of your existing information. Access to the new CashFlow Central will be available beginning Thursday, October 22, 2026.
Automatic Migration: Don’t worry, all of your current account information is still accessible! Your account, payee profiles, scheduled and recurring payments, and eBills that are setup within Bill Pay will all be automatically migrated to CashFlow Central on October 22, 2026.
Any scheduled bill payments that occur after October 16, 2026 will be processed through CashFlow Central.
Any recurring bill payments that occur after October 16, 2026 will be processed through CashFlow Central.
Any eBills that you currently receive through Bill Pay will be delivered through CashFlow Central.
Any scheduled or recurring bill payments initiated in CashFlow Central after October 22, 2026 will be debited from your account 5 days prior to the selected payment effective date.

Getting Started:

Cancelation Option: If you wish to cancel your service, please notify us by October 15, 2026. You can do this by contacting our Electronic Banking team at [email protected].
Please take a moment to review new Terms of Service: https://dairystatebank.com/electronic-banking-terms-and-conditions/

Important Information About Fees:

If you continue with the same level of service you currently have with Bill Pay your current fees will apply. We believe this investment will provide you with invaluable tools to support your business growth and financial success. Other plan options are available. Please take a moment to review the new Terms of Service https://dairystatebank.com/electronic-banking-terms-and-conditions/.

Wires for Business Users

Wire Manager will be unavailable starting at 4 pm on Tuesday, October 20^th, until the upgrade is complete.

Wire Payees Will Transfer

Existing wire payees will automatically carry over to the new platform.

New Look

The process may look different. Wire functionality will remain the same, but some tasks may be completed a little differently in the new platform.

Update Payee Addresses

After the upgrade, the payees’ addresses will convert but need to be manually updated in the format of City, State, and Zip code. Not doing this manual update will cause rejected wire transfers.

Cut-off Times

Wire cut-off times will remain the same.

Frequently Asked Questions