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INTERNET BANKING DESCRIPTION
Q What is Internet Banking?
A Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q What features can I utilize through Internet Banking?
A You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.
Q How current is my banking information?
A Your account information is updated every business day with new transactions that were posted to your account the previous business day.
Q What formats can I download my transaction history in?
A Internet Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.
Q What accounts will I be able to access through Internet Banking?
A You can access your checking, savings, investment and loan accounts from the Internet banking service.
Q When can I use Internet Banking services?
A With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!
REGISTRATION
Q What is required to use the Internet Banking service?
A All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or American Online®. You can use any computer that has Internet access.
Q How do I access Internet Banking?
A You must first complete the Internet Banking Application and submit it to us. Once your Application is received we will process your request. You will need a password to access the service for the first time. You may contact us by telephone or wait for your password to be mailed to you. You must have an existing checking or savings account before banking online.
Q Can I create my own password that is easy for me to remember?
A Yes, after you use your assigned password to log-in for the first time, you can go to User Options and change your password.
Q What happens if I forget or lose my password?
A Just call us at 1-569-398-1388 and we will take you through the steps needed to get back into the system immediately!
SECURITY
Q How safe is my account information?
A Advanced security technology that incorporates full RSA data encryption is used to ensure the security and privacy of transactions. Our system utilizes firewalls and trusted operating systems so that your account information is protected.
Internet Security Tips
The Internet banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:
- Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
- Change your password on a regular basis.
- Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
- Change your session timeout in User Options to a time that meets your needs.
- Balance your account on a regular basis. Internet Banking makes it easy!
FAQ's
Q Is any of my personal information stored in the Internet Banking product?
A The Internet Banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.
Q How much account information can I view at once?
A The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.
Q Can I view my account details in more than one way?
A Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q Can I schedule future transfers?
A Not at this time. But in the future, you will be able to schedule open, future and recurring transfers.
Q How many stocks can I track in my online portfolio?
A Up to 20, or a number determined by your Financial Institution.
Q Is there a demo available for me to try?
A Yes, we have a demo site that is part of the Home Banking package.
Q How long can I be inactive before being logged out of the Internet Banking product?
A The inactivity time out default is set for 20 minutes. However, the end-user can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.
Q What if I forget my password?
A You must contact your financial institution.
Q When can I use Internet Banking Services?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Q How does bill payment work?
A To help you understand the process, we have provided a diagram.
Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.
Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.
Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Internet Banking.
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