Business Online Banking FAQs

Signing on to Business Online Banking

How do I obtain my log on codes?

For security purposes, Business Online 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.

When I attempt to sign on to Business Online 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. Please contact us if you cannot remember your logon codes.

When I attempt to sign on to Business Online 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 Business Online Banking codes.

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.

Account Questions

Which types of accounts can I access using Business Online Banking?

You can review any checking, savings, certificates of deposit, IRAs, loans, and mortgage accounts that you are authorized to access. You can also use the Transaction function to review transaction history. Additionally, you can transfer funds between any of your checking or savings accounts that you are authorized to access.

I currently use the Bank’s telephone banking service. Can I sign up for Business Online 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.

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.

What details will I find in the Transaction function? Whom should 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.

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.

How do I export transaction information?

After logging in to Business Online 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 Export.

Can I sort the transactions listed on any statement?

Transactions can be sorted by date, check number, or amount in ascending or descending order.

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 Submit.

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.

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 or contact our eBanking team at 335-5200 or 800-339-1160.

When are transfers posted to my account?

Transfers are posted to your account immediately and are reflected in your Account Balances.

Security Questions

Is my online communication with the Bank secure?

Yes. 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 that it can only be read by authorized Bank representatives.

How do I access my account information online?

For security purposes, Business Online Banking requires you to enter two sets of numbers: your Access ID and password.

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 eBanking team at 335-5200 or 800-339-1160.

Who can access my account information over the Internet?

As a customer, you must enter your Access ID and password, which 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 Business Online Banking.

When I attempt to sign on to Business Online 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 so we can further assist you.

When I attempt to sign on to Business Online Banking, I receive an error message informing me that my password is incorrect. What should I do?

The passwords are case sensitive. Enter your password as you did when it was created, making sure to include any lowercase or uppercase letters. If you can’t remember your password and want to use Business Online Banking, please contact us.

Why is it important to select Log Off when I finish using Business Online Banking or when I walk away from my computer?

Once you have logged on to Business Online 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, Business Online 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.

Browser Questions

Which Internet browsers can I use to access Business Online Banking?

Our Business Online Banking service is best viewed using Internet Explorer 6.0 and above. Other browsers may limit your capacity for viewing certain elements of Business Online Banking.

I’m using a Mac to access the Internet. Will I have any problems accessing my account information?

Our Business Online Banking service will work with either PCs or Macs, though you may experience some JavaScript distortions with Macs. If you are running AOL for Mac, you will need to have version 5.0 or above in order to ensure optimum performance.

What should my computer settings be to best view my account information online?

Our Business Online Banking service is designed to be viewed in a format of 800×600 pixels. Smaller settings (such as 640×480) can be used, but you may have to scroll to see all your account information. Larger settings (such as 1024×768) will work fine, as well.

I want to be able to easily return to the Bank’s website. How do I add this site to my Favorites?

Click Log Off to return to the Bank site. In Internet Explorer, click on the menu item Favorites. Choose Add to Favorites, and then click OK in the confirmation box. The Bank site should now appear in your list of Favorites.

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.

Other Questions

Where do I find help in using Business Online Banking?

After you are logged on to Business Online Banking, use the Online Help button to answer questions concerning account detail, transactions, transfers, stop payments, etc.

Is there a charge for using Business Online Banking?

Your first month of Business Online Banking service is completely FREE. After the first month, you may find that your deposit balances offset the online charges.

How can I contact the Bank?

You can contact us in a variety of ways.