Internet Banking Help
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Online Banking. Whenever. Wherever.
Account Information
Access to detailed history of your account information is available 24 hours a day, 7 days a week online. View real time account activity including transaction and balance information. Account history is maintained through Internet Banking for up to one year.
Browser Requirements
The Internet adds new features and functionality every day. Internet Banking requires the latest browser version for the increased security features, which support 128 bit encryption. If you are not using the most recent browser version, you may not have access to these features due to mandatory security requirements.
The most recent versions of the most widely used browsers are shown below. Updated browsers can be downloaded by clicking on the text links below or by visiting http://www.download.com. Installation time varies depending on your connection speed. Dial up connections require longer installation times.
Check Images
To view check images, simply login and click on the check number in your transaction history. Print check copies as needed directly from your personal computer!
Convenience
With a click of a mouse, Brand Internet Banking allows you to manage your accounts from your personal computer, 24 hours a day, 7 days a week.
Export History
Export transaction detail to Quicken®, QuickBooks® or Microsoft Money®. Organize and track your income and expenses electronically. Create budgets and graphs with up-to-date data from your accounts.
Pay Bills
Brand Bill Pay allows you to pay all of your bills online. Eliminate additional postage and check printing charges! Brand Bill Pay is available to consumers and businesses. With Brand Bill Pay you can:
- Pay your bills anytime day or night
- Set up recurring payments to be made automatically
- Receive e-bills electronically from leading merchants, nationwide
Security
The Brand Bank's Online Banking is completely confidential and secure. Security walls, password checks, and encryption systems monitor your account and allow access only with your personal ID and password.
Statements
View current and previous statements online.
Transfers
Transfers made easy! From the convenience of your home or office, move funds between your accounts online.
Frequently Asked Internet Banking Questions
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 can I do with 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: Is any of my personal information stored in the Internet Banking product?
A: Yes, 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 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 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. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.
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: What formats can I download my transaction history in?
A:Internet Banking supports downloads to QuickenTM, Microsoft MoneyTM or as a comma-delimited text file.
Q: Can I schedule future transfers?
A: Yes, you can schedule open, future and recurring transfers.
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!
Q: How many stocks can I track in my online portfolio?
A: Your online portfolio will track up to 20 stocks.
Q: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demonstration 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, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.
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 America 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 registration form and submit it to us. Once your registration 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, savings or loan account before banking online.
Q: Can I create my own password that is easy for me to remember?
A: Yes, your password is created by you when you enroll.
Q: What happens if I forget or lose my password?
A: You may reset your password online by answering your challenge questions. Click here to reset your password.
Frequently Asked Bill Pay Questions
Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'
Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy!
The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.
Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded to us for review. We are responsible for confirming the information on the form. You will receive an email when your application is approved.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: You can run reports within your bill pay profile.
Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.
Q: When can I start using electronic bill payment?
A: You can begin bill payment once you have received the approval email.
Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.
Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.
Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.
Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.
Q: Is there a limit to the number of bill payment accounts I can set-up?
A: Yes, you are limited to one bill payment account. Within one bill payment account, multiple funding accounts may be set up.
Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.
Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.
Q: What if I do not have sufficient funds on the day Metavante, our bill payment providers, debits my account?
A: Following is a summary of Metavante Data Service's Insufficient Funds procedure:
- A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution.
- Upon the first return, Metavante will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
- Metavante will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.
Q: Are all debits and credits sent out at the same time?
A: Yes, they are all sent out at the same time.
Q: How is my account debited?
A: Your account is debited via ACH or paper draft.
Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches that indicated on the payment coupon, and Metavante;I routes the payment incorrectly, then Metavante will take responsibility for the late fee.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.
