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Frequently Asked Questions



I. General Information:


What electronic banking services are offered at Ruby Valley Bank?
At this time, Ruby Valley Bank offers three electronic banking services.  They are:


  • Ruby Valley Bank RubyNet Internet Banking Electronic Service "RubyNet Internet Banking" - This service allows you to view account balances, view check images, transfer funds, and more.
  • Ruby Valley Bank BillPay Electronic Service "BillPay" - This service allows you to pay your bills electronically.
  • Ruby Valley Bank WebStatements Electronic Service "WebStatements" - This service allows you to receive your statement and disclosures electronically.

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II. RubyNet Customer Service:


What do I need to have to register for a RubyNet Internet Banking account?
You will need the following information:

  • Current personal information including: name, address, phone (work and home), date of birth, social security number, and your checking account number.
  • A Ruby Valley Bank checking or savings account in good standing.
  • Internet access and a secured browser that is set up to accept "cookies."
  • Current version of your preferred browser - i.e. Internet Explorer, Mozilla Firefox, Safari or Chrome
  • Monitor resolution set to a minimum of 800 x 600

How much will it cost me to have a RubyNet Internet Banking account?
Access to RubyNet Internet Banking is free for all customers.


What happens if I forget my RubyNet Internet Banking password?
You are allowed three attempts to enter your user id and password. On the third attempt, if invalid, you will be locked out of the system.  Please call us at 406-842-5411 or toll free at 800-281-1031 Monday-Friday 8:00 a.m. thru 5:00 p.m. and we will reset your password.


If I am a new customer, what should I do to apply for RubyNet Internet Banking account?
You, as a new customer, will simply need to visit www.rubyvalleybank.com and select 'Enroll as a New User' complete the presented screens to setup your security questions, user id, password and security key.  Once the information is confirmed as authentic and correct, you will be approved to access RubyNet internet banking.  Visit our webpage and select, 'Secure Login to RubyNet'.


What accounts can I view with RubyNet Internet Banking?
You can view any active Ruby Valley Bank account on which you are the primary owner or secondary owner. If there are some accounts that you don't want to view online, they can be hidden.  We may allow access to other users depending on the ownership and type of account.  Please call us if you have questions about eligibility for an account to have shared access.


Why would I benefit from having RubyNet Internet Banking access?
It is safe, convenient, and easy to have a RubyNet Internet Banking access. You will have 24/7 access to your account balances, the ability to transfer funds, view and print your account statements (if you are enrolled in WebStatements) and view/print account histories. Also, there is a bill payment system within RubyNet Internet Banking called BillPay.  This feature allows you to pay all of your bills online-check free.


How safe is RubyNet Internet Banking?
The information on the site is only made available to you, the customer. There are several layers of security to ensure that your information is protected such as:

  • Encryption: prevents others from reading your information as it passes over the Internet.
  • Firewalls: prevent hackers from entering the site.
  • Each customer has a unique user id and password.   In addition, when you register for RubyNet internet banking, you create three security questions and a security key.  The security questions are presented when the system does not recognize the computer you are using to log in and the security key is displayed to ensure that you are on our secure site.
  • If you have not done any activity on the website for several minutes the service will automatically log you out and you will have to reenter your user id and password.


What can I do to protect my account information while I am on the RubyNet Internet Banking web site?

  • NEVER give your online banking user id and password to anyone.
  • When you are done using RubyNet Internet Banking, exit the service by selecting "Log Out."
  • Don't pick a password that is easily guessed, and change your password regularly.
  • Don't write your password down. Memorize it if possible. If you need to write it down, don't write it in a public place, and keep it where no one but you can find it.


When is RubyNet Internet Banking account information updated?
Your available balance will be updated as soon as they are posted, such as cash withdrawals, account transfers, etc. However, current balance and the images or transactions will display in your register after the nightly update. 


If I have a RubyNet Internet Banking account, will I still receive a statement in the mail?
Yes. Statements will continue to be sent as scheduled with the RubyNet Internet Banking service.  However, if you elect to participate in the WebStatements service, you will not receive a statement in the mail.


When reading "Current Information" (by selecting Details from Balance Inquiry) on my checking or savings account, what is the difference between 'Current' and 'Available' balance?
Current balance - is your balance at the completion of the previous day's business. This balance does not include any transactions that might have occurred on the current day's business.


Available balance - is your withdrawable balance as of that day's business. This balance will include any transactions that might have posted on that day's business.


*For withdrawal purposes, the Available Balance is the balance you will need to reference.


What accounts can I transfer money to and from?
You can transfer money between any current Checking, Savings, and Money Market accounts.  You can also make interest and principal loan payments.


*Please note that with Money Market accounts you are limited to six  withdrawals or transfers a month via RubyNet Banking or telephone.  Withdrawals and transfers made in person are unlimited.


Any account that requires 2 or more signatures to make withdrawals cannot be considered for online account transfers.


Are there limits on the number of transfers I can make?
The only limitation on transfers would be transferring from Money Market or savings accounts, which have a 6 withdrawals or transfers per month limitation.


When will my transfer take place?
Your transfer will be reflected in your available balance immediately. Check the available balance after the transfer to verify the transfer took place.


I have an account with Ruby Valley Bank and an account with another local bank; can I transfer money from my other bank to Ruby Valley Bank, and vice versa?
No. You cannot transfer funds to and from Ruby Valley Bank from another financial institution through RubyNet Internet Banking.


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III. Bill Payment Customer Service:


What is BillPay?
BillPay is an online bill payment service offered through our RubyNet Internet Banking service.  Ruby Valley Bank has partnered with Intuit who is the leading provider of financial electronic commerce services and products. They work with financial institutions, Web portals, and organizations that issue regular bills or statements to give consumers the ability to receive and pay bills online.


How much does BillPay cost?
The BillPay service is included with all consumer and business checking accounts with no monthly fee with the exception of the Free Checking.  With a Free Checking account, BillPay is $5.95 per month.


How do I register and what do I need for BillPay?
To sign up for a BillPay account you will need to:

  • Select the 'BillPay' tab in RubyNet internet banking and follow the steps to apply for BillPay
  • Your request will need to be approved and once you receive notification from us that the service is active, you can access the BillPay system and begin paying bills!


How do I set up my payees?
Click on 'Bills & Payments' on the BillPay home screen. Follow the steps on the screen to add the new payee. You will need a copy of your bill to complete the information.


How do I schedule payments?
Click on the payee and from the drop down menu, select 'Pay Automatically' to schedule payments for this payee.  Follow the steps on the screen to schedule the payment.


Can I make payments to people or businesses outside the United States?
Payments to payees outside the United States are prohibited by this service.


How are my payments sent to the payee?
Whenever possible, transactions are made electronically; however, BillPay is only able to process electronic payments to certain payees. If a payee does not receive electronic payments, the computer system analyzes the alternatives. Based on the payee's ability, the system might select an individual corporate check as the payment method.


The BillPay computer system automatically selects how each payment will be processed. We are unable to determine how a payment will be sent prior to issuance. The system evaluates numerous factors before determining how to create each payment.


There are many factors considered before a method is selected. Therefore, the computer automatically selects the best possible payment method.


What happens if my payment made online is returned?
If a payment is returned unable to process online for example for non-sufficient funds, you will be charged $25.00 for each return as well as any fee the returning company will charge.


How do I trace a bill through BillPay?
In BillPay, click on payee and from the drop down menu, select 'View payment history'.  You will be taken to another screen and if you select payment details, you can see how the payment was made.


How do I stop an online bill payment?
Look at the "Pending Payments" section on BillPay. If the bill can be deleted, you will see the"Cancel" option to the right of the payment information.  Once the payment has started processing the payment cannot be stopped.


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IV. WebStatements Customer Service


What is WebStatements?
WebStatements is a service offered through RubyNet Internet Banking, which enables customers to receive their periodic statement and related disclosures electronically.


How much does WebStatements cost?
WebStatements is free of charge to all Ruby Valley Bank customers.


Will I still receive my paper statement after I sign up for WebStatements?
No, you will only receive your WebStatement.  Copies of your paper statement will be available upon request for $5.00 for each statement.


How do I switch from WebStatements back to paper statements if I change my mind?
Please call the WebStatements Administrator at 406-842-5411 or 800-281-1031 Monday-Friday 8:00 am to 5:00 pm to cancel the service, access RubyNet internet banking and select the 'Accounts' tab, then WebStatements Opt-Out.  Fees may apply for this service according to the Rate & Fee Schedule published by the bank.


I have Free Checking and I don't get images in my paper statement.  Will I get images if I sign up for WebStatements?
No, your WebStatement will be in the same format as your paper statement.  Your images are available in internet banking by clicking the highlighted description in your history / account register.


What accounts are eligible to receive WebStatements?
Personal and business checking, money markets, and savings accounts may receive WebStatements.  CD statements and loan statements are excluded from this service. You may choose electronic delivery for all you eligible accounts during your initial enrollment or at any time.


How do I print my WebStatement?
When Adobe Acrobat launches into the Internet Explorer screen, use the Adobe Acrobat print icon to print your statement. Printing from the Internet Explorer toolbar, or going to File, Print; will not print your statement.


I get an error when trying to print my WebStatement.
If you received this error message: "Could not start print job" while trying to print your email statement, you will need to do 1 of 2 things:

  • Update your version to Acrobat 6.0.1 or to the latest version, or
  • Save your email statement to your hard drive using the Adobe Save icon, close out of the Internet Explorer window, open your email statement from your hard drive and print from there.


How many WebStatements will be available at a time?
Your current month's statement, along with 11 months prior will be on the website.  Please note that if you are a new user, only the months since your registration for WebStatements will show.


Will I receive other notices, like NSF notices, or transfer notices online?
When you agree to receive your statements electronically, you also agree to receive other types of notices via electronic methods.  At this point we are postal  mailing most of our account notices and disclosures.


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V. Technical Advice:



What are "cookies?"
Cookies are messages given to a Web browser by a Web server. The browser stores the message in a text file called cookie.txt. The message is then sent back to the server each time the browser requests a page from the server.


Why does the system tell me my browser is set up to "Not Accept Cookies?"
Your browser is set to refuse cookies. In order to log on, you will need to reset the option in your browser to accept them. Please refer to your browser's HELP section.


Why do I need to "enable cookies?"
In order for Ruby Valley Bank to assure we have a secure connection established with you, we need to know who you are at all times. "Cookies" allow us to provide a secure connection.


How do I "enable cookies?"
Please refer to your browser's HELP section.


Why can't I access your site from work?
You may be attempting to access the Internet from within a firewall. Your employer may restrict your access to the Internet. You will need to contact your network administrator if you are experiencing problems while you are at work.


How do I contact customer service?
Select "Contact Us" on Ruby Valley Bank's web site. This option will give you the choice to email a customer service representative through a secure email system, or to contact us by phone or mail.





Twin Bridges Office - 107 South Main 406-684-5678
Sheridan Office - 103 North Main 406-842-5411
24 Hour Better Banking - 888-842-5121


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