Elk River Bank Visa Platinum Credit Card Login | Make a Payment

After you’ve applied for and received your Elk River Visa Platinum Credit Card, to be able to pay bills or view your statements online, you’ll first have to activate your card by phone, then register for your online account (details at bottom of this page).  When your card is activated and you’ve registered for an online account, you’ll login to your Elk River Visa Platinum Credit Card account through a third party website, Elan Financial Services (EFS), which issues and handles the credit cards for the Elk River Bank.  Navigate directly to the login page by clicking the Secure Login link provided above.

We recommended that you read the EFS Privacy Policy before logging into your account and performing any transactions.

How to Login

When you navigate to the EFS secure login page, first enter your Peronal ID in the presented field and click on Continue.


This will take you to the following page, where you will be asked to provide the ID Shield Answer that you have set.  Once entered click on Next, which will take you to your online account.


If you ever forget either your Personal ID or your Shield Answer, you will be able to retrieve this information by filling out the required fields.  Click whichever applies, the Forgot your Personal ID? or Forgot your Answer? link on each respective page.

To retrieve your Personal ID, you will be asked to supply your credit card account number, security code (both found on your card), your SSN and either your Zip Code or PIN.


If you do not have or cannot supply a zip code click Verify by PIN and enter you 4 digit PIN.


If you have forgotten your Shield Answer you will be required to supply your Personal ID, credit card account number, security code (both found on your card), your SSN and either your Zip Code or PIN.



At the time of this review, there is no way to activate your card directly online.  You will have to call the above 1-800 number and speak to a representative, who will activate your card.  To register for an online account you can click the Secure Registration link provided above.  It will take you to a form shown below in this example:


First enter your information in the above fields.  You will be asked to create a Personal ID and Password.  Once all fields are completed, click Submit and your Elk River Visa Platinum Credit Card is registered for online use!