Online Banking

For answers to some of the most frequently asked questions about Online Banking services, please select a question.

Signing on to Internet Banking

Account Questions

Security Questions

Browser Questions

Other Questions

Signing on to Internet Banking

How can I access my account information online?
Once you have signed up for Internet Banking, you will receive an email from us which includes detailed instructions for logging on.

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How do I obtain my logon codes?
For security purposes, Internet Banking requires you to enter an Access ID and password. The codes are included in the instructions you received from us. You will be prompted to change your password the first time you log on.

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When I attempt to sign on to Internet Banking, I receive an error message that says "Invalid Customer Security Code".  What should I do?
Verify that you are entering your logon codes as you did when they were created. Your Access ID and password are case sensitive. If you cannot remember your logon codes, please contact us.

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When I attempt to sign on to Internet Banking, I receive an error message that says "Your Account Has Been Disabled". What should I do?
For security purposes, your account becomes disabled after an attempt to enter an invalid password three or more times. Please contact us to reset your Internet Banking codes.

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Do passwords ever expire?
At this time, your password will not expire. You may change your password by clicking on the "Change Password" button. You will be prompted to enter your old password followed by a request to enter a new password. 

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Account Questions

Which types of accounts can I access using Internet Banking?
You can review your checking, savings, certificates of deposit, IRAs, loans, and mortgage accounts on which you are a signer. You can also use the Transaction function to review transaction history. In addition, you can transfer funds between any of your checking or savings accounts on which you are a signer at the Bank.

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I currently use the Bank's Telephone Banking service. Can I sign up for Internet Banking and still use the telephone to access my accounts?
Yes. You will be able to use both products to access your accounts whenever and wherever it is most convenient for you.

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For a Bank deposit account, what is the "Current Balance"?
The "Current Balance" is the amount of your current balance that is accessible to you right now. The current balance includes your current balance less items presented today for payment, automatic payments scheduled today, funds transferred, bills paid, or any holds placed on funds during the current business day. Current business-day ATM activity is not reflected in this balance.

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For a Bank loan, what is the "Current Balance"?
The "Current Balance" is the amount you still owe on the loan. Your actual payoff amount may differ from the Net Payoff shown because interest is applied daily to your account.


If you need the payoff amount of your loan, please contact us.

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What is the Transaction function?
A Transaction history allows you to review transactions posted to your checking, savings, and loan accounts. You can review all transactions posted to your deposit accounts since your last statement or up to one month prior to your last statement. It includes transactions performed since the end of the Bank's last business day. You can review all transactions posted to your loan account for the life of the loan. Simply select the time period to review transactions on the Transaction function selection page.

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What details will I find in Transaction function? Whom can I call if I have a question?
When you select a Transaction function, you can review details about each transaction for that account. Details include the date, amount and description of the transaction, and the balance in your account after the transaction was posted. If you have any questions, please contact us.

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Can I search for a specific transaction?
A transaction search can be done from the Transaction Menu found at the "Transactions" button. Specific items can be viewed by entering information such as statement cycle, type of transaction, date, amount, or check number.

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How do I export transaction information?
After logging in to Internet Banking, click on the account from which you wish to export. Click on the "Transaction Menu" selection in the drop-down Transactions menu. The Transaction Search section provides fields that allow you to select the criteria to complete the export process. After you have completed your selection, click the "Export" button.

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Can I sort the transactions listed on any statement?
Transactions can be sorted by date, check number, or amount in ascending or descending order. The Transaction Search section provides fields that allow you to select the criteria to complete the sort process. After you have completed your selection, click the "Submit" button.

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Can I search for a specific check image?
Check images can be viewed on all transactions except "Current Day" transactions. To find a specific check image, click on "Transactions" and "Image Search." Enter the amount or check number and click on "Display."

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For a Transaction History, what period is covered by the "Current Business Day"?
"Current Business Day" includes transactions performed since the end of our last business day.

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What is an "Express Transfer"?
An Express Transfer is a one-time transfer made between accounts requiring minimal navigation. All accounts are viewed on the same page with a "Transfer From" section and a "Transfer To" section. Simply check the box next to the account you wish to transfer from and the account you would like to transfer to. Enter the dollar amount and click "Submit." You will receive a confirmation notice that can be printed for future reference.

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Can I stop or modify my request to transfer funds?
Yes. At any time before you reach the "Transfer Funds Confirmation" screen, you can modify or cancel your funds transfer request. However, after you complete a funds transfer transaction and receive a confirmation number, you cannot stop the transfer from occurring. At that point, if you change your mind about the transfer, simply make a new transfer to move the funds back to the appropriate accounts.

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When are transfers posted to my account?
Transfers are posted to your account immediately and are reflected in your Account Balances.

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How long is a stop payment effective on my account?
A stop payment remains on your account until the item is presented for payment. If the item has not been presented to your account within 7 months of the stop payment date, it is automatically cancelled.

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Is there a fee to place a stop payment?
The fee for a stop payment is $30.00 and will automatically be deducted from your account within one business day after a stop payment is initiated. You will not be charged for a stop payment if you call to cancel it the same day it was stopped.

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How can I cancel a stop payment?
A stop payment can be cancelled by calling our Customer Support Center at 335.5200 or 800.339.1160. We require written authorization to cancel a stop payment. The initial $30.00 fee is non-refundable unless you request cancellation the same day the stop payment was issued.

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Security Questions

Is my online communication with the Bank secure?
Yes. Security is one of the most important issues we faced in making this service available to our customers. We have taken strong measures to ensure that your information remains confidential.


The first step is the use of a secure browser. Certain browsers and computers have the ability to communicate securely by scrambling information as it passes across the Internet. The method of communication is called SSL, or Secure Socket Layer. We require the use of a secure browser before a connection can be made to the transaction system.


After you reach us using the secure browser, we take steps to make sure your information remains secure and confidential. Your information passes through a "firewall," which is a computer specifically designed to keep out unauthorized users. The information is scrambled again to ensure it can only be read by authorized Bank representatives.

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How do I access my account information online?
For security purposes, Internet Banking requires you to enter two sets of numbers: your Access ID and password.

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Can I send account information via email?
For security purposes,we suggest that you NOT send sensitive information via email (i.e. account numbers, Social Security numbers, passwords, etc.). If you have specific account questions, please contact our Customer Support Center at 335.5200 or 800.339.1160 and any of our representatives would be happy to assist you.

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Who can access my account information over the Internet?
As a customer, you must enter your Access ID and password that should be known only to you. Unless you have compromised your password by revealing it to someone else, you are the only one who can access your account information using Internet Banking.

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When I attempt to sign on to Internet Banking, I receive an error message informing me that my Access ID is incorrect. What should I do?
You could have inadvertently entered the Access ID incorrectly. Check your Access ID and try again. If you are certain you entered the correct Access ID, contact us.

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When I attempt to sign on to Internet Banking, I receive an error message informing me that my password is incorrect. What should I do?
The passwords are case sensitive. Make sure that you are typing your password as you did when it was created, making sure to include any lowercase or uppercase letters. Make sure you are using the correct password and try again. If you can't remember your password and want to use Internet Banking, please contact us.

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Why is it important to select "Log Off" when I finish using Internet Banking or when I walk away from my computer?
Once you have logged on to Internet Banking, you have begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM while your card is still in the machine.


For your security, your Internet Banking will automatically end your active session if there is no activity on your computer for about 10 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting "Log Off."

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Browser Questions

Which browsers can I use to access Internet Banking? (i.e. Microsoft Internet Explorer or Netscape Navigator.)
Our Internet Banking service is best viewed using Internet Explorer 6.0 and above or Netscape 6.2 and above. Lower versions may limit your capacity for viewing certain elements of Internet Banking. Update your browser.

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I am using a Mac to access the Internet. Will I have any problems accessing my account information?
Our Internet Banking service will work with either PCs or Macs, though you may experience some JavaScript distortions. We highly recommend Netscape 6.2 for Macintosh. In addition, if you are running AOL for Mac you will need to have version 5.0 or better in order to ensure optimum performance.

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What should my computer settings be to best view my account information online?
Our Internet Banking service is designed to be viewed in a format of 800 x 600 pixels. Smaller settings (such as 640 x 480) can be used, but you may have to scroll to see all your account information. Larger settings (such as 1024 x 768) will work fine as well.

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I want to be able to easily return to the Bank's website. How do I add this site to my "favorites"?
Adding the Bank's website to your Favorites list is easy.

In Internet Explorer, click on the menu item "Favorites." Choose the option "Add to Favorites" and then click "OK" in the confirmation box. The Bank page should now appear in your list of Favorites.

In Netscape, click on the menu item "Bookmarks" and then choose the option "Add Bookmark." No confirmation is necessary. The Bank page should now appear in your Bookmarks list.

Most versions of America Online support the "Favorite Places" option. While you are on the page you wish to bookmark, look for a red heart icon in the top right area of the title bar of the AOL browser. Click on the red heart icon. You can confirm that the site was added to your list of Favorite Places by clicking on the red heart icon on the AOL toolbar at the top. The Bank site should be listed as a Favorite Places option.

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Other Questions

Where do I find help in using Internet Banking?
After you are logged in to Internet Banking, use the Help button to answer questions concerning account detail, transactions, transfers, bill payments, etc.

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Is there a charge for using Internet Banking?
No. The service is free. Just another way we're working to make banking more convenient.

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How can I contact the Bank?
You can contact us in a variety of ways.

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