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 Online 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: Not at this time. But in the future, you will be able to 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 Demo 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:To register for Online Banking you must complete the Online Banking Registration Form, accept the agreement and submit to us. Applications must be submitted in the primary accountholders name - If a business you will enter the business name and the owner of the business. You will be able to access your account within 2 business days once the application is received. To access your account you will enter your Social Security or Tax Identification number as your USER ID and the password you chose when completing your application. For security purpose upon entering your account you will be asked to change your USER ID out of your SS# or TIN#. The requirements for this field will be 6 to 14 characters in length, containing 1 Upper case letter and 1 number. You must have an existing checking, savings or loan account before using Online Banking.
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 and we will take you through the steps needed to get back into the system immediately!
