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After the April 29 upgrade, all existing clients must re-enroll for first-time login.
Use the link below to enroll.

Enroll for Access

Log in to Online Banking

New customers continue below:

Open a New Account

A better Digital Banking experience is here.

The VirtualBank Digital Banking platform upgrade has been completed, and we thank you for your patience during this transition. Here are a few reminders regarding the new platform:

First-time account access.

  • Establishing access to your account(s) – Accessing your accounts for the first time after the upgrade can only occur using Digital Banking, not the VirtualBank Mobile Banking app. Visit and click on ‘Login/Open An Account.’ This will open a side panel where you will click on ‘Enroll for Access.’ To get started, you will input your Username in the Access ID box. If you do not have your Username, please contact Client Services at 877-998-2265 for assistance.
  • Verification code – After completing the initial set-up screen, you will be sent a verification code to your mobile phone number on record. Enter the code in the provided spaces.  
  • Once logged in – You will be prompted to set a new password, create security questions, and accept the Digital Banking Agreements.
    • Note: During and after initial setup and login, check your spam folder and ensure emails coming from are placed on your safe sender list.
  • Security recommendation – For enhanced security, we highly recommend that you update your one-time passcode delivery preference to be received via SMS text on your mobile device. This can be done after logging in by selecting the ‘Services and Settings’ option, followed by ‘Security Code Delivery,’ to switch from email (default) to mobile.  
  • VirtualBank Mobile app – After logging in to your account via the VirtualBank homepage, be sure to update the VirtualBank Mobile app to continue enjoying convenient account access at your fingertips.

Account functionality.

  • Account activity history – All historical transactions and statements will be accessible.
  • Bill Pay – If you are currently enrolled in Bill Pay, it will remain active with all payees remaining in place.
  • Person-to-Person Payments – If you want to enroll in or continue to use Person-to-Person Payments, please contact Client Services after the upgrade to be re-enrolled in this service.  Any payees or future-dated scheduled payments will have to be set up in the new system.
  • Beneficiaries – All existing beneficiaries will remain in place. To make changes after the upgrade, please contact Client Services.

External transfer service

  • Previously scheduled recurring external transfers will remain in place. Timing of debits or credits to your account will be as follows:
    • Outbound and inbound transfers – Debit of funds for outbound transfers will be made the same day if the request is made prior to 6:00 p.m. ET with delivery by the third business day thereafter. Inbound transfers submitted by 6:00 p.m. ET should be credited to your account by the third business day thereafter.
    • Future-dated and recurring transfers – Funds for outbound transfers will be debited from your account three business days prior to the scheduled date of the transfer. Funds for inbound transfers should be credited by the third business day after the scheduled date of transfer.
    • Cancellation of transfers – Once submitted, requests for transfers of funds cannot be canceled. Future-dated and recurring transfers can only be canceled by 6:00 p.m. ET, three days prior to the scheduled transfer date.
  • For additional information, see section four of the Digital Banking Agreement.