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Within Mascoma Bank’s digital banking, navigate to the Transfers menu.

Select “Add Account.”

• Option A
  • Select “Add an External Account” to connect your external account with its digital banking credentials.
  • Choose a financial institution from the list or search for one.
  • Once you find your financial institution, select it.
  • Enter your Username and Password for your external account to log in via Yodlee.
  • If multi-factor authentication (MFA) is enabled for the external account, a prompt to validate your credentials will appear.
  • On the Select Accounts page, choose the account(s) you wish to add.
  • Select “Submit.”
  • On the Verify page, click “Continue.”
  • After the account is verified, the external account is available immediately in the Transfers menu.

• Option B
  • Select “Manually Add an External Account.”
  • Select the account type from the dropdown menu.
  • Enter the Routing Number.
  • Enter the Account Number.
  • Confirm the Account Number by entering it a second time.
  • Enter a Nickname.
  • Select the “Continue” button to add the account.
  • To verify the account, a code is sent via your chosen method—email, text, or call. Enter the code and click “Verify.”
  • The system will send two trial deposits to the account. This process may take up to three business days to complete. Before the account can be added to your profile, you must confirm the value of the first and second trial deposits.
  • To view the pending external account and confirm the trial deposit, go to your Dashboard and click on the “Confirm” notification that appears. Notifications are indicated by a dot near the bell icon in the top right corner. You can also find the confirmation in the Settings menu, under Accounts, then ACH accounts.
  • Select your account and click “Confirm.”
  • Enter the two trial deposit values and click on “Confirm” to successfully add the external account for transfers.

On balances up to $5000, 4.25% APY will apply; for balances beyond $5000, the base savings rate of 0.10% APY will apply. For example, if you have a balance of $5001 in your Build Savings account, the 4.25% rate will apply to $5000 and the 0.10% interest rate will apply to $1.

For balances up to $5000, you will see the higher interest rate displayed in the account’s details in digital banking. Once your balance goes over $5000, you will see the lower interest rate displayed as the current rate. The settings in digital banking allow for only one interest rate viewable in the account details but the higher rate will still apply to balances up to $5000.