What is Online Banking?
What do I need to access Online Banking?
Do I have to register to use Online Banking?
How do I use Online Banking?
What if an account is missing from my account list?
How current is the information about my accounts?
What happens if I open a new account after I am already signed up for Online Banking?
Can I change my SSN/TIN and Password?
What if I enter the wrong SSN/TIN or Password?
What if I forget my Password?
How many statements can I see online?
What if I get an error message?
Is there a cost for bill pay?
Q. What is Online Banking?
A. Online Banking allows our customers secure and convenient access to their accounts using the Internet anytime of the day,
any day of the year. Some of the functions available with Online Banking are:
- Access and print information on all accounts including loans. Review and print transactions and statements.
- Confirm deposits, withdrawals and cleared checks.
- Transfer funds between accounts and make loan payments. Download transactions to the leading financial management programs.
- Pay bills automatically.
Q. What do I need to access Online Banking?
A. You will need a connection to the Internet, and a Web Browser. Netscape Navigator 7.0 (or higher) or Microsoft Explorer
versions 6.0 (or higher) are recommended. You may contact either of these vendors for a current copy of their browser. Online Banking works on
any operating system that supports the browsers listed above including, but not limited to, Windows 3.1, Windows 95, Windows 98, Windows NT,
Windows 2000, Windows XP, and Macintosh. You also need accounts with our bank and an assigned SSN/TIN and Password.
Q. Do I have to register to use Online Banking?
A. Yes, a one-time application is required to sign up for Online Banking. Once this form is received by the bank with account
information, we will issue a FI Key Code. A customer representative will call you to schedule a meeting so you can pick up the FI Key Code and
Disclosure. Upon your first visit to the Online Banking site you will be asked to select a Password of your choice and that Password will be used whenever
you access Online Banking.
Q. How do I use Online Banking?
A. After you enter your SSN/TIN and the Password that you applied with, you will be prompted for your one time only FI Key Code.
You will then be asked "Challenge Questions" so that you can reset your Password in case you forget it. You can apply for Enhanced Login Security.
Then start enjoying the Online Banking experience.
Q. What if an account is missing from my account list?
A. You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is
not shown on your listing, simply call Customer Service to have it added.
Q. How current is the information about my accounts?
A. Account transactions and balances are real-time and will change during the day as you carry out transactions. There may be
delays from time to time because of processing or system issues, which we cannot control. If you make a deposit, it should immediately be
reflected on the Online Banking.
Q. What happens if I open a new account after I am already signed up for Online Banking?
A. New accounts do not automatically appear on the Online Banking system. Phone Customer Service and ask to have this account
added to your profile. You must be sole or joint owner of the account to have it added to your profile.
Q. Can I change my SSN/TIN and Password?
A. Yes, you can change your SSN/TIN and Password as often as you want. Simply click on options and follow the simple instructions. The
SSN/TIN cannot begin with a number but may include a number.
Q. What if I enter the wrong SSN/TIN or Password?
A. For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system. If you are locked-out, you can
reset your password by answering the Challenge Questions correctly or you can contact Customer Service and we will reset your SSN/TIN and Password.
Q. What if I forget my Password?
A. We do not have access to your Password. However, we can reset your Password and you can then reset your own preferred Password.
Just give us a call.
Q. How many statements can I see online?
A. You will be able to access and print your most recent statement. If you would like to review a longer history of transactions,
you can also view a range of transactions between dates.
Q. What if I get an error message?
A. If you get an error message please make a note of the message, the error number, and the time. Then simply call the bank and we
will make every effort to resolve the issue as soon as possible.
Q. Is there a cost for bill pay?
A. Yes. $5.95 a month for the first 12 and 50 cents a bill over 12.
