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Online Banking Hub

Move your finances ahead. Bank digitally.



Online Banking: 24x7 access and complete financial freedom.

Get complete access to account information from your computer or mobile device.

Enjoy 24-hour access to check your account balances, pay bills and make transfers from the convenience of your computer or mobile device.

  • Real-time Account Information. View account balances, transaction history, and check images.
  • e-Statements. Access, print or download account statements.
  • Export Transactions. Download to QuickenTM, QuickbooksTM, MS MoneyTM or .CSV format.
  • Transfer Funds. Transfer between Macatawa Bank accounts, including payments to loans.
  • Mobile Banking1. Provides quick, secure account access from your mobile device.
  • Mobile Deposit. Deposit a Check to your Macatawa Bank account by snapping a photo of the front and back of the check.
  • Popmoney2.  You can use popmoney to pay people. Easy to send. Simple to receive.
  • Alerts. Set up balance and transactions alerts.
  • Spending Reports. Track and analyze your spending.
  • Secure Support. Send secure messages to the bank with any question.
Enroll in Online Banking today

Online Bill Pay: The easiest way to manage your payments.

Make bill payments on the go.

  • Completely safe. Can be more secure than mailing paper checks.
  • Pay Virtually Anyone. Make payments online to anyone, anytime, and anywhere.
  • Send Money to Friends and Family2. All you need is their email address or cell phone number.
  • Bank to Bank Transfers2. Even accounts at other financial institutions. Your money is always available, regardless of where you keep it.
  • Receive eBills. Green, more convenient, more secure and easier to manage.
  • Reminders. Receive updates through email when you receive a bill, or when it's due.
  • Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
  • Search Bill History. Search by company, date and status
  • Online Bill Pay is available to anyone currently enrolled in our Online Banking service.

Already enrolled In Online Banking? Log on to Online Banking, select Payments & Transfers tab then the Pay Bills link.

For helpful videos visit our

Video Hub


1Data charges from mobile carrier may apply. Click here to view our privacy policy. Subject to the terms and conditions of the Personal Online Banking Agreement.
2Fee applies.

Access your bank when and where you want.

After you’re enrolled in Online Banking, download the MacBank Mobile Banking app and your mobile device gives you access to your bank accounts, on-demand.
  • View account balances quickly with Instant Balance
  • View transaction history
  • View check and deposit images
  • Deposit checks **
  • Pay your bills **
  • Receive account alerts
  • Touch ID for Apple devices
  • Pending transactions
  • Loan details
  • Pay other people with Popmoney
  • Transfer funds between accounts
  • Multi user login available from a single device

Text Banking via mobile

Save your data minutes and put our handy text banking alerts to work for you. To sign up, log into Online Banking, go to Profiles at the top, select Mobile Banking Profile and then Manage Devices. Select the accounts for which you’d like to receive alerts, and give them nicknames. Access your account information by sending a text to 99588.

  • Text BAL + Account Nickname to view account balances
  • Text HIST + Account Nickname to view transaction history
  • Text ATM + Street or Zip to find an ATM near you
  • Text BRANCH + Street or Zip to find a branch near you

Helpful tip: In your mobile device contacts, save 99588, with a name like “MacBank Text Alerts”, then you don’t have to remember the number when you want to do text banking.

Mobile Deposit*

Free.  Secure. Convenient.  Deposit checks from anywhere with your mobile device. Mobile Deposit is available to anyone with Online Banking and the Macatawa Personal Mobile Banking app. 

Launch the Mobile Banking app on your mobile device and select Deposit.  Snap a photo of the front and back of the check.  Enter the amount of the check, select which account gets the deposit, and hit submit.   For security reasons, our daily limit on Mobile Deposit is $5,000.

Not currently enrolled in Macatawa Bank Online Banking?  Sign up today for Online Banking.

Want to see how it works?

Click below to check out or handy mobile banking app tutorials.

Let's get started.

Already have Macatawa Bank Online Banking?  Great!  It's easy peasy, simply download our mobile app today using the links below!  Not currently enrolled in Macatawa Bank Online Banking? No problem, you can sign up here today for Online Banking. 

For helpful videos visit our

Video Hub


*Normal text and data charges may apply.
**Fees may apply.

Make payments happen. Pay a friend with Popmoney®

What is Popmoney®?

You can use Popmoney to pay anyone you know or owe – it’s the easiest way to send & receive money directly from your Macatawa Bank account.

Who can use Popmoney®?

Any Macatawa Bank Personal Online Banking & Bill Pay customer.  Not currently enrolled in Macatawa Bank Online Banking?  Sign up today!

What do I need to know to pay someone?

All you need is the recipients email address or mobile phone number.

Is it secure?

Confidential personal information is not included in the emails or text messages. If they were intercepted by a third party, the information contained would be of no use to the fraudster since it requires the recipient to authenticate themselves through Popmoney or their online banking site in order to collect the funds.

How do I send money using Popmoney?

  1. Login to your personal online banking account at
  2. Select the Popmoney tab in the right hand corner of the Bill Payment box.
  3. Select an existing recipient and enter the amount of the payment or add someone new by entering the recipients first/last name and email address or mobile phone number.
  4. Select the "Send Money" button.
  5. The recipient receives an email or text with a personal greeting from the sender.
  6. If the recipients financial institution is in the Popmoney network, they use their online banking to accept the payment. If not, they indicate to where to deposit the money.
  7. The money moves directly from your Macatawa Bank account to the recipient’s bank account.

Fees may apply.

For helpful videos visit our

Video Hub



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General account questions

How do I print my bank statement from Online Banking?

  • Once logged in to Online Banking click into the bank account statement you would like to print.

  • Next, select “Documents” from the menu and use the “Document Search” feature to find the statement you need.

  • Click on the statement you want to print.

  • Once the statement appears, print the document using the normal printing process for your browser (Safari, Chrome, Internet Explorer, etc.).

How do I add or update my email address and phone numbers with the Bank when I’m in Online Banking?

  • Once logged in to Online Banking select “Profile” from the top right corner.

  • Next, select the type of information you would like to update (Password, Challenge Questions, Email, Phone, or Electronic Statements), update as needed and save.

I am locked out of Personal Online Banking? What can I do?

After five unsuccessful log in attempts your account will become locked. Call us at (877) 820-2265. We will be happy to unlock your account and get you back to your banking.

How do I enroll in Personal Online Banking?

  • From our website, click the “Login” tab located at the top of each page.

  • Choose “Enroll in Online Banking” and fill in the required fields.

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Transfer funds

How do I transfer money between my Macatawa Bank accounts when I’m in Online Banking?

Sign in to your Online Banking and choose one of two ways:
  • Click “Transfer” in the main menu.

  • Make a quick transfer by clicking “Transfer” next to the specific account from which you want to transfer.

How do I transfer money in between my Macatawa Bank accounts, and accounts I have at other financial institutions when I’m in Online Banking?

  • Once logged in to Online Banking, select “Pay Bills”. This will open your “Payment Center”.

  • Next, select “Transfer Money” from the menu and follow the steps to “Add an Account”.

  • Allow 1-2 business days for our test deposit to show at your secondary financial institution.

  • Log into your Macatawa Online Banking, click into the account that you first selected for the bank to bank transfer, select “Bank to Bank Transfers” and follow the directions to “Verify your Account”.

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Bill pay

I have question about paying bills online. How can I learn more?

The Pay Bills “Help Center” is a great place to learn more about our online bill payment service. Log in to Online Banking, select “Pay Bills”, and then choose “Help Center” from the menu.

How to setup a Bill Pay payee?

  • Once logged in to Online Banking, select “Pay Bills”, this will take you to the “Payment Center”.

  • Next, select “Add a Company or Person” and follow the steps provided.

How do I change or cancel a Bill Pay payment?

  • You can change a payment that has not started processing from the “Pay Bills” screen, locate the “Pending Payments” area on the right side of the screen.

  • Next, locate the pending payment you would like to change/cancel and click the corresponding action you would like to take.

How do I get in to the Bill Pay payment center?

Once logged in to Online Banking, click into the account that you would like to pay bills from, then select “Pay Bills” and you will be taken to the “Payment Center”.

For helpful videos visit our

Video Hub


Didn't find what you were looking for?

Contact us today at (877) 820-2265.
Or fill out the form at the bottom of the page.

More Online Banking & Bill Pay FAQs

What is Online Banking?

Online Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Online Banking, you can:

  • View real-time account balances, check images and history
  • 24-hour access to checking, loans and CDs
  • Export history to financial software or spreadsheets
  • Transfer funds between accounts
  • Pay bills online

What do I need to bank online?

To get started, click the enroll now, agree to the terms and conditions, complete the enrollment form and you'll be banking online in no time at all.


What types of accounts can I view with Online Banking?

With Online Banking, you can view all your Macatawa Bank accounts, as well as loans.


How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?

Macatawa Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.


Why am I signed off sometimes and I have to sign in again?

If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.


Can I pay my bills using Online Banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)


What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?


How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.


Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your Macatawa Bank accounts


Do I need extra software or hardware to use Online Banking?

No extra software is necessary. You can access your Macatawa Bank accounts from almost any PC that has Internet access.


Will Online Banking work with my current Internet Service Provider?

Yes, Online Banking works with any ISP.


Can I access my accounts from both home and work?

Yes, you can access your accounts from almost any PC.


More Mobile Banking FAQs

Is Macatawa Bank Mobile Banking secure?

Macatawa Bank Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

At a high level, Macatawa Bank Mobile Banking offers the following security safeguards:

  • Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Macatawa Bank Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.

  • Encryption - 128-bit encryption is used for all transactions within Macatawa Bank Mobile Banking and between Macatawa Bank Mobile Banking and other Fiserv solutions (e.g., core banking and payment systems).

  • Fraud - Macatawa Bank Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.

  • Availability/Resilience - Macatawa Bank Mobile Banking is protected against malicious attacks through software and server hardening measures.

  • Audit Ability - Macatawa Bank Mobile Banking provides full audit capabilities through event logs and event-based reporting.

Is my personal or financial information stored on my phone?

No. Macatawa Bank Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Can I deposit checks with my Mobile phone?

Yes.  If you log into your Personal Online Banking account, accept the Mobile Deposit User Agreement, the next day a new "Deposit" tab will appear in your Mobile Banking app. To make a deposit, tap the deposit tab, then new deposit, select the account to receive the deposit, enter the amount of the check, tap continue, then take a photo of the front and the back of the the check.  If you can clearly see each image when prompted "Do you wish to deposit this check?", tap Yes.

Which accounts can I access using Macatawa Bank Mobile Banking?

You can access any account you have set up in online banking. You select which accounts you want to access using MacBank Mobile Banking during the enrollment process.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most up-to-date available balance. 

Is there a limit to how much I can deposit via Mobile Deposit?

Yes.  There is a $5,000 per check limit and a $5,000 per day limit.

Can I add more than one mobile phone?

Yes. You can enroll several mobile devices for Macatawa Bank Mobile Banking. To add a new phone, complete the Macatawa Bank Mobile Banking Enrollment section.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in MacBank Mobile Banking. To deactivate your mobile device, complete the How To Deactivate or Stop Using a Mobile Device section.

Which phones can I use for Macatawa Bank Mobile Banking?

Hundreds of models are supported including these major brands: iPhone, HTC, LG, Motorola, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Macatawa Bank Mobile Banking?

Macatawa Bank Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular®, and Verizon Wireless. MacBank Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

I have a prepaid plan, can I use Macatawa Bank Mobile Banking?

Macatawa Bank Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

Can I use a tablet device such as an iPad, iPad Mini or Android Tablet with the Mobile Banking application?

Yes.  There is an iPad app available to download, simply search Macatawa Bank Personal Online Banking for iPad in the app store.  You are able to access Online Banking through the Android app or a web browser.

My phone is not receiving Mobile Banking Enrollment or Activation text messages.

The default behavior of some supported carriers is to turn off enhanced text messaging (or SMS) enabled for their customers. If your carrier is supported but you are not receiving activation or enrollment text messages we recommend you call your service carrier’s customer support and ask that enhanced text messaging be enabled on your plan or device. Sprint customers will typically need to call and have this feature enabled


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