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Question #1

What should I do to maintain the security of my personal and financial information?

Answer:

We understand that security is one of your primary concerns. With this in mind, we have taken the necessary steps to provide our customers with state-of-the-art security for their online banking transactions. Our infrastructure, coupled with the security features built into your browser and operating system, can provide you with a secure environment -- but only if you do your part. To help maintain the security of your accounts, follow these guidelines:

• Maintain the security of your Sign-On ID and password.
• Protect your computer from malicious programs.
• Apply the latest security patches to your web browser and operating system.
• Protect yourself from e-mail fraud.

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Question #2

What hardware, software and services do I need for online banking? 

Answer:

You'll need an Internet service provider (connection speed of 28,800 baud or higher is recommended), and a browser software which supports Secure Sockets Layer (SSL).  The browser must support 128-bit encryption to work with online banking. 

Browsers that support 128-bit encryption include: Microsoft Internet Explorer - Version 5.0 or higher, Netscape Navigator - Versions 4.08 up to 7.1 and AOL - Version 4.0 or higher.

(Note: Not all versions of the browsers come with support for 128-bit encryption.  You may need to upgrade your browser to this level of encryption.  Upgrades for 128-bit encryption are available directly from Microsoft, Netscape and AOL via their respective web sites.)

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Question #3

What is 128-bit encryption and why do I need it?

Answer:

Encryption is the process of encoding information so that only the sender and the recipient can decipher a message. 

A Verisign™ Digital Certificate and your browser's Secure Socket Layer (SSL) ensure 128-bit encryption of your banking transactions. Firewalls at each point of entry prevent intrusion into the online banking service.

The 128-bit encryption enforced by our Verisign™ Digital Certificate is the highest level of encryption currently available for public use in the United States . To guarantee that you get this level of protection, we require that you use a browser that supports 128-bit encryption with our online banking service.

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Question #4

Is online banking just for personal accounts or can businesses also use online banking?

Answer:

Online banking is for anyone: individuals and businesses. We provide separate enrollment options for individuals and businesses.

Note: Due to banking regulations, you cannot create a single enrollment that includes both business accounts - for which tax is reported under a Tax ID Number (TIN) and personal accounts - for which tax is reported under your Social Security Number (SSN).

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Question #5

How do I get a Sign-On ID and password for online banking? 

Answer:

In order get a Sign-On ID and password for online banking, you need to enroll your account(s) using our online enrollment form.

To enroll: 

• Click on the Enroll Online menu option; this will take you to the Enroll Online Page.
• Now select from the following two button choices: "Enroll a Person" or "Enroll a Business" - click on the button that applies to you. This will take you to the appropriate online enrollment form.
• Fill out the enrollment form and submit it. 



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Question #6

How long does the enrollment process take? 

Answer:

Once we confirm your enrollment, we typically send out your Sign-On ID and password no later than the next business day.  Business Internet Banking enrollment typically takes 5-7 business days to complete.

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Question #7

Can I choose my own Sign-On ID and password? 

Answer:

You can choose your own Sign-On ID. When we enroll your account(s), we will send you a temporary password. When you log in for the first time, the online banking service will require that you change your password. This means that everyone who uses online banking gets to choose their own password.

Passwords can contain letters and numbers, and must be at a minimum of seven characters long and contain one digit. 

Passwords are not case sensitive, so a password of "abc12zyx" is the same as "ABC123ZYX". 

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Question #8

What functions are available online for my accounts?

Answer:

When you enroll your accounts for online banking, you will be given the following functions based on the type of account: 


Account type	Online functions
Checking	Bill payment (optional), inquiry, transfer, stop payment
Money Market	Inquiry, transfer, stop payment
Home Equity Line of Credit	Inquiry, transfer, stop payment
Statement Savings	Inquiry, transfer (in and out)
Passbook Savings	Inquiry, transfer (in only)
Consumer Loan	Inquiry, loan payment
Commercial Loan	Inquiry, loan payment
Mortgage Loan	Inquiry, loan payment
Time Deposit (CD)	Inquiry only

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Question #9

Is the system compatible with Microsoft Money, QuickBooks, Quicken and Excel?

Answer:

Yes, you can access the export capability from the Reports screen.  

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Question #10

I have both business accounts and personal accounts; can I transfer between them? 

Answer:

You may request to have these accounts setup under one internet banking account. 

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Question #11

When do internet transactions post? 

Answer:

Transactions post immediately and will show as presentments at that time. However, any transactions done after 9:00 pm are considered, and will show, as next day’s business. Recurring transfers post each evening during the nightly update and will not show in presentments during the day. 

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Question #12

Who can I pay with my online Bill Payment Checking Account? 

Answer:

You may make bill payments through the bill payment service to any business, person or professional that has an address we can verify. Within the bill payment service, these are called "Payees". Bill payments may be made only to Payees with a U. S. payment address. You may not make a payment of alimony, child support, taxes or other government fees or court directed payments or purchase securities using this service.  Bill payments will be sent to a Payee either electronically or by a paper check mailed to the Payee via the U.S. Postal Service. 

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Question #13

How do I know when a payee has received a bill payment?

Answer:

Paying a bill through bill payment is similar to paying a bill through traditional methods.  Depending on the payee, payment is sent either in the form of a check or through electronic means.  It must still be received and processed by the payee.  Once processed, the payee will update your account record which will be shown on the invoice or contact you to inquire about a missing payment.

If a bill payment is not able to process a payment because you do not have sufficient funds in your account, the payment will be cancelled and you will receive a message in your Mailbox informing you that the payment was cancelled.  If the payment was sent, the withdraw will be reflected in your Register.

It is important to monitor the payments that you make, both one-time payments and recurring payments. If you see a payment that is not processed on the assigned processing date, first look to see if you have sufficient funds to cover the payment. If you do have sufficient funds, and you believe the payment should have been processed, notify the Internet Banking department via the secure Mailbox link located on top-right portion of most web pages. 

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Question #14

What should I do if a payee has not posted my bill payment? 

Answer:

You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Ref #" column. The payment will then be traced and a status response will be sent to you. 

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Question #15

Should the payment date I give be the date the bill payment is actually due? 

Answer:

No. You need to allow some time for the payment to reach your payee, so enter a date before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.  The amount of time varies upon the method of payment (electronic or paper). 

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Question #16

I am a business customer; can I pay my bills online?

Answer:

Most certainly.

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