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Online Banking Help

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Online Banking FAQ

Q: What is Online Banking?
A: Online 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 Online Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more.

Q: How current is my account information?
A: Your account information is updated every business day.

Q: What accounts will I be able to access through Online Banking?
A: You can access your checking, savings, investment and loan accounts from the Online banking service. Our Online 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. You can choose to view up to 12 months of activity.

Q: Can I view my account details in more than one way?
A: Yes, you can sort your transactions by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Online Banking supports downloads to Quicken, QuickBooks, Microsoft Money or as a text file.

Q: Can I schedule transfers?
A: Yes, you can schedule immediate, future and recurring transfers.

Q: When can I use Online Banking services?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How long can I be inactive before being logged out of the Online Banking product?
A: The inactivity time out default is set for 10 minutes.

Q: What is required to use the Online Banking service?
A: All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer, Safari or Chrome. You can use any computer or smart phone that has Internet access.

Q: How do I access Online Banking?
A: You must first complete the Online Banking registration form and submit it to us. Once your registration is received we will process your request. 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 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.

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Bill Pay FAQ

Q: How do I register for Bill Pay?
A: Bill Pay registration is easy!

When accessing the Bill Pay 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, 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: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments.

Q: When I add a new payee to my Bill Pay account, or change my account number, how quickly will the change take place?
A: When you update the information for the Bill Pay account, the changes are implemented instantaneously.

Q: Can I receive an annual summary of my Bill Pay sorted by category or payee?
A: You can run reports within your bill pay profile.

Q: Can I use electronic Bill Pay with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When can I start using Bill Pay?
A: You can begin Bill Pay once you have received the approval email.

Q: When is Bill Pay available?
A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my Bill Pay transactions reflected as Online Banking transactions?
A: All Bill Pay transactions are reflected in transaction history as the payment is made.

Q: Can Bill Pay be used when I am out of the country?
A: Bill Pay 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: Can I use more than one account to pay bills?
A: Yes, a checking account must be primary.

Q: Who can be paid using the Bill Pay system?
A: Anyone in the 50 United States and territories who can accept a check or electronic payment can be paid using Bill Pay. You can pay almost 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 Pay system.

Q: If I schedule multiple bill payments for a single day, how will my account be charged- as a lump sum or separately?
A: Each payment is charged separately.

Q: What if I do not have sufficient funds on the day my payment is scheduled?
A: The payment may be returned and your Bill Pay account will be frozen.

Q: How is my account charged?
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 it is a bank mistake, you are not responsible. If you make an error in selecting the payee, you will be responsible for your 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.

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