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What is a
session?
Each time that you connect to the Log
In screen, you create what is called a session. A session is
considered the time period that begins when you first see the Log In
screen until the time period when you either click the End Session
button; close your browser; or when the system logs you off after 30
minutes of inactivity. Note: Part of creating session that you
will be using, requires that the Web Server be able to place a
"cookie" on your computer.
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How long
is a Session considered active?
You can stay connected to the
Internet Banking server as long as you maintain an active
status. An active status is determined by a length of time;
currently the time period for inactivity is 30 minutes. This
means that if you are signed into the system, and do nothing for 30
minutes, the server will log you out automatically, causing the
session you have active to be terminated. You will now have to
log in, creating a new session.
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How long
is my Internet Banking Account good for?
Your Internet Banking account is
good/valid forever, as long as you have some type of activity before
180 days passes. After 180 days of inactivity, your Internet
Banking account will become dormant, and the system automatically
deletes your Access ID. This means that if your ID is deleted,
you will have to sign back up for Internet Banking as a First Time
User.
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What do I
need to know about Business Days?
Bank of Utica business days run from
5:00 PM EST/EDT to 5:00 PM EST/EDT and coincide with the Federal
Reserve Holiday Schedule for Days Off. The Cut-Off time for
making a Transaction for the "Current" Business Day is 4:59:59,
transactions occurring after that time will not take place until the
following close of business. For example, on Friday you make a
Payment at 4:30 PM EST/EDT, that transaction will be included in the
days processing, and will be part of your account activity for that
Business Day. If the transaction was made at 6:00 PM EST/EDT
the Business Date will have already been advanced, and will be
indicated on the Payment List in the Internet Banking system.
That transaction will not be part of the Account activity until the
next business day, which means that if Monday is a holiday, the
transaction will not take place until Tuesday nights processing.
We also recommend that payments be scheduled for processing at least
5 to 7 business days in advance, taking into consideration the date
when the payment is due, holidays, business days.
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When is my Statement Cycle?
A statement cycle is the time period
that begins and ends when your statement is produced and mailed
to you. To find out when your statement is produced, simply look at
the top of your statement on page one, and take note of the address
area. Find your name, and then look to the right of your name
and you will see that there is a Number - (dash) - Number. The
first number indicates the day of the month when your statement is
produced. Thus a 10-0 would mean that your statement is produced
on the 10th of each month.
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Where can
I get First Time User Instructions?
The First Time User Instructions are
available at this link.
The instructions are can be downloaded in an Adobe Reader format,
called PDF. The reader is available from
www.Adobe.com.
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What is my
Account Type?
In order to complete the First Time
User steps, and create an Internet Banking Account, you will be asked
to enter an account number and account type as part of the
questions. The account type corresponds to the account
number. The Checking Type is used for DDA/Checking Accounts,
Money Market Accounts, and Now Accounts. The Savings
Type is used for Savings Accounts. The COD Type is used for
Certificates of Deposit, and the Loan Type is for all types of loans
excluding Check Credit.
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Why
do you need my Mother's Maiden Name?
Your Mother's Maiden Name is used to
verify who you are, in the event that you have to contact the bank to
reset a password or receive some help with remembering your Access
ID. This information is kept confidential and is only used for
this purpose.
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Why
do you need my Email Address?
Your Email Address is important to us and provides an additional
means of contacting you. You can be confident that Bank of
Utica will never sell your email address to other companies, in
harmony with our Privacy Policy. The purpose of a valid email
address, is linked to our Bill Payment system. First it
provides a way that we can respond to customers who already have an
Internet Banking Account, and wish to activate Bill Payment.
It also provides us a means to contact you sooner than the postal
mail, in the event there is a problem with a payment that you have
scheduled to take place.
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What is
the Security Question and Answer used for?
The Security Question is used the
same way that your Mother's Maiden Name is; simply to provide a way
for bank employee's to verify who is calling in the event that you
have to call in for technical support. A good Security Question
is one that perhaps only you would know the answer and something that
is not going to change for a real long time, even forever. Some
examples might be: Where was I born? Where did I go to
high-school? What sports did I play in high-school? What
is my favorite flavor of ice cream? What is my favorite sport to
watch on TV?
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How many tries
do I get when signing up for the First Time?
Three (3), after three unsuccessful
attempts the system will lock out the entire account, and assume that
you are not a valid customer of Bank of Utica. Note: Others on
the same accounts will not be able to use the First Time User
screen. A common mistake is that the Around the Clock Banking
Password is incorrect. If you are locked out or are experiencing
problems getting signed up, please call the Checking Department
(315-797-2761 or 800-442-1028). Please note, that if you have
too many difficulties when creating a new Access ID for the first
time, with in the same session or navigate away from the current
session, you will no longer be able to perform the First Time User
steps again, nor will you have a valid Access ID. In this case
you MUST call the Checking Department at the number listed above, or
send an email to
DepositOperations@BankofUtica.com.
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What is an
Access ID?
An Access ID is a unique identifier
used to validate / authenticate who you are, when communicating with
our server. Internet Banking allows you to create an Access ID,
comprised of letters and/or numbers. This ID is also unique to
the system and can not be used by any other customer / user, and must
be at least 6 characters long.
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What
requirements do Passwords need to meet?
Passwords must be between 8-17 Characters in length, and you MUST also
use Uppercase, Lowercase, and Numbers in that password. For
example: The word "password" is not a valid password, even though it is
8 characters in length, the characters that make up that password are
not valid. The same would be true if all I did was capitalize the
first letter of that word to "Password" this too will not work. An
example of a valid password might be "Password2005" this password would
meet the criteria, having one Uppercase (the letter "P") at least one
Lowercase (the letter "a" would work) and finally one Numeric character
(the number "2" would work).
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What
do I do if I forgot my Internet Banking password?
If you find that you can not remember
your password, you will have to call the Bookkeeping Department at
315-797-2761 or 800-442-1028. Explain that you have forgotten
your password. The bank employee may ask you for some
information to verify who it is that is calling. This might
include one or more of the following; your Mother's Maiden Name, the
security question and answer that you provided, a social security
number, or even a date of last deposit. The bank employee can
then reset your password if you are locked out, or change the password
all together. Please note that we do not have access to your
password, so the best we can do for you is change it; note however,
you will be forced to change it yourself when you sign on; once again
to something we do not have access to.
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Can
I
change my password?
In order to change your password, you
will have to successfully log into the system. (The exception
to this is that your password can be changed by the bank, and you will be
forced to change your password once you have successfully logged in
using the password that the bank provided. Note: We can not
lookup your existing password.) After logging in,
under normal circumstances, you can change your password by
"Hovering"
over the Options button, and select the Change Password option that
pops up, by left
clicking on the words. The Change Password screen will appear on
the lower part of the screen, simply enter the old password into the
top field (Line 1 called "Current Password"), then hit the <TAB> key
to move to the next field, and enter your desired new password into that field (Line 2
- called "New Password"), and finally hit the <TAB> key once again
to move down another field and confirm the new password, by entering
it again in this field (Line 3 - called "Confirm Password"), and now click submit.
Provided the new passwords match, and meet the password requirements
(at least 8 total characters long, and containing at least one
Uppercase, Lowercase, and Numeric Character) then you have just changed
your password.
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What is a
temporary Password?
In the event
that you forget your Internet Banking password, someone in the Checking
Account department will create a new password and tell you what that
password is. With the new password that you have
been given by the Bank Employee, simply return to the
beginning Log In screen and enter
your Access ID and then
<TAB> down to the Password field and enter the new Temporary password
that you have been given. After clicking Submit, you will be
forced to change the password. When you are asked for your old
password, simply re-enter the password given to you, and then <TAB> down to the New Password field and enter a new
password, you will have to do this twice. Click Submit and if
the passwords match you
are all set. Otherwise further instruction may be provided on
the page that follows.
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What is
the Around the Clock Banking Password?
Around the Clock Banking is another
24 Hour Banking Service that Bank of Utica offers. Customers can
simply use their telephone and call into this system. In order
to get access to account information, customers must enter a valid
account number and a password that corresponds to that account
number. Since Internet Banking uses the same technology to get
users / customers started when first signing onto the Internet Banking
system, it is important that you know the account number, the account
type (i.e. checking, savings, etc.), and the Around the Clock Banking
password. If you do not know what your password is, please call
the Bookkeeping Department (315.797.2761 or 800.442.1028), and they
can provide you with more information pertaining to your Around the
Clock Banking password, as well as verify that you are set up
correctly. If you have forgotten your password, please call the
same department.
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How many
attempts do I get to successfully Log into Internet Banking?
Three (3), after three unsuccessful
attempts the system will lock out the Access ID, and assume that you
are not the correct person trying to log in. Note: Others on the
same accounts can still Log In. If you are locked out, you must
call the Checking Department (315-797-2761 or 800-442-1028).
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Why is the logon screen missing?
When you click on the Log In button,
the Internet Banking Log In Screen does not appear as expected, or
will not connect at all. The reason this happens is due to the
Cookies
being disabled in the browser settings. In order to access the
Internet Banking System, you will need to enable the Cookies.
To do this, follow the steps for your browser, as described below:
Internet Explorer: Click on the Tools Button on the toolbar,
then choose Internet Options... A new window will appear, now
click on the tab labeled Security. Click on the icon labeled
Internet, and then choose Custom Level... found at the bottom of the
window. A new window will appear. Now scroll down to the
item listed Cookies and make sure that the Radio Button named Enable
is selected. Click Ok and then Ok again to make the change
effective.
Netscape Navigator: Click on Edit on the toolbar, and choose
Preferences... A new window will appear. On the left
hand side of the window, find the item labeled Advanced, and
highlight it by clicking on the word. Notice the window
contents on the right have changed. Find the section labeled
Cookies, and select one of the radio buttons to enable. Click
Ok to make the change effective.
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How do I
sign-up for Bill Payment?
Signing up for Bill Payment is easy. There are two methods that we
are supporting.
(1) For existing Internet Banking users the following link will
allow you to download a Bill
Payment Enrollment Form in Acrobat Reader format (PDF), that must be
filled out and signed (also available in html
format here). Since the form must be signed, and will be
verified against existing signature cards for signer verification, the
form cannot be submitted online. We will accept the enrollment
form, via postal mail, fax, or just dropping off in person.
(2) The second option, is for customers who will need to complete
the First Time User Steps in order to use Internet Banking. As
part of the enrollment process for Internet Banking, we can allow
customers to sign-up for Bill Payment. A confirmation email will
be sent to the email entered during the First Time User Steps. If
you are in need of instructions for completing the
First Time User Steps, you can get
them here, in Acrobat Reader format
as well.
In either case, a valid email address is required.
Customers who enter an invalid email, in which we can not send a
confirmation email to, will be deactivated for
Bill Payment. A copy of the Terms and Conditions for Internet
Banking and Bill Payment are also available in PDF format.
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How many
transactions can I perform each month?
There is no limit to the number of transactions you are
allowed to perform for a Checking Account. However, Money
Market and Savings Accounts are limited to 6 transactions.
(Note: While you may be able to perform 6 transactions per month,
keep in mind that of the 6 transactions, no more than 3 are
permitted to be checks written by you. For example, you
could perform 3 Bill Payments, and 3 Checks, however you
could not perform 6 Bill Payments and 1 Check.)
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What is a
Payee?
A Payee is the person or business in which you are making a
payment to; much the same as if you were mailing a payment to that
person. Bank of Utica has entered many Payees for commonly
used businesses that you may already be making regular payments to.
These Payees are in what is called a template, in which many of the
fields such as the mailing address, phone number, and contact
information are already filled out for you; of course you can still
make modifications on an individual basis.
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How much time
should I allow for Payments to be received by the Payee?
We recommend that
payments be scheduled to take place 5 to 7 business days in advance, not
including the day in which the payment is to occur. Keeping mind
that Bank of Utica Business Days cutoff at 4:59:59 EST/EDT. For more information
regarding Business Days, please see the FAQ "How are business days
defined?".
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Can I make a
Payment to someone residing outside of the United States?
No. Payments can only be made to Businesses
or other individuals residing within the United States (US) or US
Territories, such as Puerto Rico. When defining a Payee, the
"State" field will be required for all Payments and you are limited to
the choices presented in the Dropdown list.
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Can I make
Payments using more than one account?
Yes. You can use any combination of your Checking,
Statement Savings, or Money Market Account(s). Please keep in mind
that there are some restrictions to the number of transactions you can
perform per month, when using a Money Market Account, or Statement
Savings Account. However, feel free to make multiple payments
using any combination of these accounts, even two Checking Accounts if
you like.
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Can I make
Payments using the Around the Clock Banking System?
No. The Around the Clock Banking
System (also known as 24 Hour Banking) is not available for Bill
Payment. We are encouraging customers who have never used Internet
Banking, and would like to take advantage of Bill Payment, to sign-up
today! If you require additional assistance getting started,
please feel free to contact
PersonalBanking@BankofUtica.com.
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Will my Check
Credit advance?
Yes. If a
payment is attempted during the nightly processing, and the funds are
not available in the account, however there is enough available in your
Check Credit, an automatic advance will be made. Keep in mind that
Check Credit advances will occur in $100 increments or what ever is
available (if less than $100) if the amount will be covered by the
advance. If there are not enough funds for the Payment to take
place, the next attempt date will be advanced by one day, and a notice
will be generated. See the FAQ "Will I be notified if a Payment
can not be made?"
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What if there
is not enough money to make the payment?
In the event
that your account does not have enough funds to make the payment, and
you do not have Check Credit or your Check Credit is lacking the needed
funds to complete the payment; the payment will remain in effect for
attempts, based on business days. During this time your other
checks and payments will continue to be made as long as the money is
available. For example, you have a regularly scheduled payment of
$150 to take place each month. At the time of the payment,
however, you forgot to make a deposit, and your account balance is only
$100. In the mean time, you have a check presented to your account
for $25, and there is an additional scheduled payment of $50 to be made
as well. During the processing, the $150 dollar payment will be
held until the next business day, while the other bill payment and check
(totaling $75) will be cleared. During this time a notice will be
produced and mailed to you. As part of this, our Checking Account
department will attempt to use your email address on file to let you
know that the payment was not able to be made. For more
information about such notification, please refer to the FAQ "Will
I be notified if a Payment can not be made?"
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Will I be
notified if a Payment can not be made?
Yes. As
mentioned in the FAQ "What if there is not enough money to make the
payment?" we will make two attempts at presenting the scheduled Bill
Payment to your account. In the event that there are still no
funds for the payment, we will delete the scheduled event and amount.
During this time, a paper notice is created each day that the
transaction attempts to be made, and is mailed to you. However,
given the timing of such notices, we will also make an attempt to email
you the morning the notice is produced, before it goes in the mail.
This is why your email address is so important to us.
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Can I
dispute a Payment?
Yes. However, disputed
payments will need to be researched, and fall under the Terms and
Conditions outlined here, for Electronic Payments. If you find
that you need to dispute a payment, please contact the Checking Account
Department at
DepositOperations@BankofUtica.com immediately.
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Can I put a
"Stop Payment" on a Bill Payment?
Yes, up
until 5:00 PM EST/EDT of the Scheduled Payment, you always have the
ability to "Delete" or stop a payment from happening. If the
payment has already been issued, you can still stop the payment, provided the Payee has
not already received the funds electronically, or
cashed the check. In either case additional research will be
required by the Checking Account department, and you should contact them
immediately if you are in need of issuing a "Stop Payment".
Keep in mind, the fee associated with issuing a Bill Payment "Stop
Payment" is $25.00.
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Who can I make
payments to?
Payments can be made to anyone residing
in the United States or Puerto Rico. This can include companies or
individuals, in which you would like to make a payment to. Many
transactions are converted to Electronic Payments, however checks are
also produced and mailed.
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Can I schedule
payments?
Yes. Payments can be scheduled to take
place far in advance. For example, you are setting up all of your
payments at the beginning of the month, but some of them do not have to
be made until a future date say 3 months (like your Car Insurance).
In this case you can advance the date, rather than the default current
business day, to anything in the future. The system will save the
information, and will make the payment for you when the time arrives.
You can also schedule payments to take place on a set time, for a set
amount, for a set frequency. To learn more about this feature,
please see the FAQ "How
To: Setup a Scheduled Bill Payment".
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Should I use
Bill Payment for important bills like my Taxes or Court Ordered
Payments?
Bill Payment can be used to pay anyone,
including your Taxes or Court Ordered Payments as examples.
However, we recommend that for payments requiring coupons (such as to
the IRS) or other supporting documentation in order to properly process
the payment (using the proper Account or Tax Identification number),
that you mail these payments using the envelope and documents required
to process such a payment.
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Can I make
Payments to non-businesses (3rd Parties)?
Yes.
Payments do not have to be made only to other businesses in which a bill
has been issued. You have the control of making a payment to a
friend, co-worker, or relative, to name a few. Since this
individuals will not have the ability to accept Electronic Payments, a
paper check with your name on it will be produced and mailed. Keep
in mind you will still want to allow for 5 to 7 business days, and
perhaps even longer, so that a paper check has time to arrive at its
destination.
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Can I make
a Deposit to other accounts, such as a Broker?
Yes.
You can make a payment to anyone in the United States. If your
Broker is setup to receive electronic payments, an electronic
transaction will be sent to your Broker. On the other hand, if
your Broker can not accept electronic payments, a Check will be mailed
to your Broker. In either case, when defining the Payee, be sure to
use the "Payee Not Listed" option when using the Select Payee screen.
Next, make sure that the proper account information is listed in the
account number field for that payment. For more instructions on
how to setup a payee, see the FAQ "How
To: Create Your Own Payee".
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Is my Debit
Card affected?
Yes. As soon as a Bill Payment is
processed for the current business day, your available funds on your
debit card will be lowered. This also means that if a scheduled
payment does not have enough funds to complete and would result in a
negative account balance; then the debit card is lowered to that
negative account balance. For example: You have $100 in your
account, and there is a payment scheduled for tonight, in the amount of
$150. Even though the payment is not processed since it will
result in a negative balance of -$50, the Debit Card available
funds is updated with the negative amount.
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How are
transactions displayed on my statement?
Transactions
will default with the text "Payment To " and then the name of the Payee
that you have entered (or was predefined in the templates). For
example: You make a payment to XYZ COMPANY. On your statement,
there will be an entry that reads, "Payment To XYZ COMPANY".
Note: Payments can also have a custom description added to them,
that will provide more meaning for you, when reconciling your
statements.
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Can
I print my statement?
To print a
statement of your account, simply choose the account you would like to
print, and then select FILE from the toolbar, and choose Print...
Make sure that the option is checked to print only the selected frame.
Printing all frames will produce a print-out of the entire menu location
at the top of the page. Note: Demand Deposit Account Statements
(including Money Market Accounts) are also available for the previous 6
months, can be accessed by Navigating thru the Documents Button.
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How far back
can I research an account statement?
Statement history is kept on the
system for15 days after your previous statement is produced (cycle
date). For example, if you were to click on the previous
statement button at the bottom of the transactions screen, you would
see your entire previous statement as long as it was less than 15 days
old from when it was produced. This statement is kept on the
system for 15 days after it is produced and mailed to you, after which
it is deleted and a new statement record begins to be kept, that of
the current statement.
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Can
I access older account statements?
To print a statement of your account, simply choose the account you
would like to print, and then select FILE from the toolbar, and choose
Print... Make sure that the option is checked to print only the
selected frame. Printing all frames will produce a print-out of
the entire menu location at the top of the page. Note: Demand
Deposit Account Statements (including Money Market Accounts) are also
available for the previous 6 months, can be accessed by Navigating thru
the Documents Button.
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Can
I export
a statement, or account information to my favorite money management
program?
To export your account information
please follow the following steps:
1) Log in to Internet Banking, and click on the account you
would like to export; from the View Accounts Page.
2) Move the pointer to the Transactions Button and then select
the Transactions Menu from the displayed list.
3) Using the drop-down lists, select the information (such as
Cycle Date, Transaction Type, or Sorting Properties)
4) You can limit the information to export, by specifying a
date, amount, and/or check number.
5) Choose the format you would like the format to be exported
in.
7) All that is left is to click on the Export Button, and a
'save as' dialog box will appear; asking you where and what to save the
file as. Note: Clicking the Display button will show you
your statement in your browser.
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What is a
Nickname?
Nicknames are a customizable description
that you can add to any of your accounts, to add more meaning to
what the account may be used for, or who in the family the account
belongs to (such as a Childs Savings Account). For example you
can use the Change Nickname feature of Internet Banking to give each
of your Savings Accounts a unique name; such as "Tax Account",
"Vacation Fund", and "Regular Savings". To learn more about
how you can add / remove / change a Nickname on an account, see the
FAQ "How To: Add
or Change Account Nicknames".
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What is the
description line on the accounts page used for?
The description line is used to
describe the title information that is on the account. For
example; if you wanted to have a special account that has a dedicated
purpose, such as Self-Employment Tax or Home Improvement Account, you
could give each of those accounts a special name. Thus, when you
log in to Internet Banking your accounts screen will display the
description of the title that you have given the special
account. This feature is called an Account Nickname, and you can
now control the names displayed on each account line, by entering
your own account descriptions. To do this, "Hover" over
the button located at the top of the webpage (near your logon name
and date) called Options. A new menu will be displayed, select
the "Change Nicknames" option from the menu that pops up, by
Left Clicking on the words.
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Can I change
my Email Address?
Yes. Internet Banking offers the ability for you to update the
email address that you have on file. Your email address is very
important to us, please be assured that we will never sell your email
address to someone else. It is also very important that your email
address is accurate. For details steps on how to change your email
address see the FAQ "How To: Change Your Email Address"
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Why are
some of my accounts not being displayed?
Why are there more accounts than I expected?
There are a few reasons that can
contribute to missing accounts on your accounts screen. Here are
some of the reasons we have discovered. If any of these fits
your situation, then please call the Bookkeeping department at
315-797-2761 or 800-442-1028.
1) You have multiple names on the account, and each name is
tied to a different account number. The system uses the account
information on the first time user screen to determine who is logging
in. Thus if you have different accounts that are with separate
names, such as a maiden name, the system will only allow you to see
those accounts that are tied to those names. There is a solution
to this, and that is to change the ownership of the account, meaning
that the name that you are using will become the owner of the other
accounts.
2) The system keeps track of all of your accounts in what are
called portfolios, you can think of these as files in a file
cabinet. Sometimes, as a customer, you will end up with multiple
files in the bank's file cabinet. Thus if you have 2 accounts in
one file, and 2 in another, you will only be able to see one file or
the other at any given point in time. Additionally, this means
that you can not transfer money between those two files. There
is a solution to make it so that you can see all of your accounts, and
that process involves merging your two files together to make one.
3) Joint accounts can also cause confusion, when logging in to
the Internet Banking system. Joint accounts can include, but are
not limited to Trust accounts, and Guardian Accounts. Note, that
beneficiaries will not be able to see the accounts, thus if you want a
beneficiary on your account and want them to see the account, then
they need to be added as a joint account.
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Why is my
Account Balance lower than expected?
There are certain circumstances in
which the balance displayed for an account appears to be incorrect or
less than expected. Those circumstances might include a hold on
a particular account. A hold is defined as a specific amount of
money that has been pledged as collateral (for example a loan).
Although it may seem that the money is not there, it is, and is still
collecting interest when part of an interest bearing account.
This can be verified by clicking on the Account in question, then by
clicking on the Transactions button, and finally by clicking on the
Current Day button. In the screen that follows you will see a
description (PENDING TRANSACTIONS AND/OR HOLDS), the amount that is
being held is displayed to the right.
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When will
my transfer post to my account?
Express Transfers that
are made BEFORE 5:00 PM EST/EDT will post to an account on the same
business day in which they are made. Express Transfers that are made
on / after 5:00 PM EST/EDT
on a business day, during a holiday, or over a weekend, will post on
the next business day. For example you have made a transfer on
Friday at 5:30, and have made it from your savings to your checking,
because you are overdrawn. The transfer will not take place until
the next business day, this means that even though the screen
displayed a positive balance at 5:30 PM, the account was still
overdrawn when that business day closed at 5 PM. The same would
apply if the day was a holiday and the bank was closed.
Additionally money that is transferred between accounts will not be
available on the VISA Debit card until the following business
night.
Scheduled Transfers that are to take place during a
particular date, will show as Pending Transactions on the
following business day
from that date.
A scheduled transfer Should Not
be used if you are making an attempt to correct a negative balance
in your Checking Account such as the example above. Rather if
there is time left in the current business day in which you are
going to be overdrawn you should use the Express Transfer
feature.
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What is the
confirmation number used for?
The confirmation number is used for
tracking purposes. A portion of the confirmation number is
posted to your statement, and can be used for tracking when an Express
Transfer is completed. Scheduled Transfers will display the
custom description that you enter.
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Why does
the Browser Back button cancel my session?
You might receive an error message
about your internet banking session expiring when you click your
browser's back button. This is caused by the Internet Banking
Server, which expires the pages you are looking at as soon as they are
displayed on the screen. This helps with the process of keeping
real-time up to the minute balances and transactions.
Additionally, if you try refresh a page, you will receive an error
message, then another screen that tells you your session has expired,
and you will have to log in, all over again. We
encourage you not to use the back button or refresh buttons.
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What
Browser should I be using?
Internet Explorer - Click Help
on the tool bar, and then choose About Internet Explorer.
A new window will appear; take notice of the version number, this
should be at least v5.0 and the Cipher Strength must be 128 bit.
If your browser is not at the minimum level, simply click on Tools and
then Windows Update. The Microsoft web page will then be
displayed and your system will be scanned for updates. After
which a list of recommended updates will be displayed, which typically
includes the most current version of Internet Explorer.
Netscape Navigator - Click Help on the tool bar and then choose
About Communicator. The screen will change to the about
screen and the version of Netscape will be displayed at the top.
It should read at least v6.2; If it does not meet the minimum
required version, simply click Help and then choose the Software
Updates item from the menu. A new page will be displayed
from Netscape that will help you update your browser.
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How To: Change Your Password
You must already be able to log
into Internet Banking to complete these steps. If you need to
change your password because you have forgotten it, you must call us
(see the FAQ "What
do I do if I forgot my Internet Banking Password".
1) Once you are logged in - Move the mouse over the
Options button.
2) A menu will display with several choices - Select the
option called "Change Password".
3) In the fields provided - Enter the Current
Password.
4) Tab down to the New Password Field and enter a
new password, following the guidelines provided.
5) Tab down again, and re-enter
the password you entered in step 4.
6) Click the Submit
button.
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How To: Add or
Change Account Nicknames
1) Once you are logged in - Move the mouse over the
Options button.
2) A menu will display with several choices - Select the
option called "Change Nicknames".
3) Place a Checkmark in the box next to corresponding
Account.
4) A new field will be displayed, Single Left Click
in that field.
5) Enter the "Nickname" that you
would like to call the account.
6) Click the Submit
button to complete the change.
7) The screen will refresh, Click the Cancel
button to return to the Accounts List page.
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How To: Change Your
Email Address
1) Once you are logged in - Move the mouse over the
Options button.
2) A menu will display with several choices - Select the
option called "Change Email Address".
3) The current Email Address will be displayed.
4) In the field called "New Email Address" - Enter
your New Email Address.
5) Tab down to the next field
called "Confirm Email Address" and Enter your Email Address
again.
6) Click the Submit
button to complete the change.
7) If the Email Addresses match, you will be returned to the
Accounts List page automatically.
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How To: Setup an Express Transfer Between Accounts
To make an express transfer between
accounts follow these steps:
1) Click the View Accounts button to get back to the main screen of
all of your accounts.
2) Click on the Express Transfer button.
3) Select the account you would like to transfer FROM,
in the top table.
4) Select the account you would like to transfer TO,
in the bottom table.
5) Now enter the dollar amount, in dollar and cents format.
Note: (1.00 is the NOT THE SAME as 100)
6) Click Next to Preview your transfer.
7) At the Preview Page, you can either Cancel your Transfer, go
Back and make Corrections, or click Transfer.
8) After clicking the Transfer Button, write down your
confirmation number for your records.
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How To: Setup a
Scheduled Transfer Between Accounts
To schedule a transfer between
accounts follow these steps:
1) Click the View Accounts button to get back to the main screen of
all of your accounts.
2) Click on the Account you would like to Schedule a Transfer
from.
3) Move the mouse over the button called Transfers, and
select the "New Scheduled Transfer" option.
4) Specify the To: account by making a
selection in the dropdown list of accounts.
5) Specify the Frequency of
the Transfer to be made, On Demand would be a one time Transfer.
6) Enter the amount of the
Transfer to be made. (See Note Above)
7) In the large box under the Description area, Enter a
Custom description for this Transfer.
8) Click Submit
9) A Scheduled Confirmation page will be displayed.
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How To: Setup a
Scheduled Bill Payment
To complete these steps you must
be enrolled for Bill Payment. If you are not already enrolled
in Bill Payment, please see the FAQ "How
do I sign-up for Bill Payment" for more information.
1) Click the View Accounts button to get back to the main screen of
all of your accounts.
2) Click on the Account you would like to Schedule a Payment
from.
3) Move the mouse over the button called Payments, and
select the "New Scheduled Payment" option.
4) Select a payee. Use the scrolling list on the
right, to locate a predefined Payee.
5) If the Payee is not listed, Scroll
to the bottom of the list and Select the option for
"Payee Was Not Listed"
6) Click Next. This
will display the "Add Scheduled Payment" screen.
7) If you used a predefined template, most of the information
is filled in, Otherwise fill-in the required fields.
8) Enter the Amount of the Payment to be made.
9) Enter the Date the Payment should be made. (Please allow for
5 to 7 business days).
10) Enter the Frequency of the payment. (Monthly,
Weekly) Note: On Demand would be a One Time Bill
11) Under the Description Line, you can enter
additional information that will show on your statement.
12) In the Account Number with Payee, Enter the
account number as it appears on your bill.
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How To: Remove a
Scheduled Payment
1) Log into Internet Banking
2) Select the account in which you would like to remove a
payment from.
3) Click the Payments Button
4) Locate the payment you wish to delete in the Payment
list, and Click the corresponding "Delete" button.
5) Confirm this is the Payment you would
like to Delete, Click Submit.
6) You are now returned to your payment list, verify
that the correct payment was deleted.
7) If you delete the wrong payment, you will need to set it up
to occur again.
8) Click the View Accounts button to return to your accounts
list.
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How To: Use the
Pre-Defined Payees List
To complete these steps you must
be enrolled for Bill Payment. If you are not already enrolled
in Bill Payment, please see the FAQ "How
do I sign-up for Bill Payment" for more information.
1)
Log into Internet Banking
2) Select an account you would
like to make payments from.
3) Move the mouse over
the Payments Button, Select "New Scheduled Payment" from the
menu.
4) Select a Payee from the list to the the
Right, by scrolling up/down to locate a company you already pay
bills to.
5) Notice the "Payment To"
portion of the window will be updated with your selection.
6) Click the Next button.
7) This window will allow you to
edit anything in the list, perhaps the address that you have does
not match up.
8) Make any changes to the Payee
Information that is needed, this will only affect the Payee tied to
you.
9) Refer to FAQ "How
To: Setup a Scheduled Bill Payment" Steps 6 - 12 on how to use
these Payees
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How To: Create Your Own
Payee
To complete these steps you must
be enrolled for Bill Payment. If you are not already enrolled
in Bill Payment, please see the FAQ "How
do I sign-up for Bill Payment" for more information.
1) Select the account in which you would like to setup a
new Payee for.
2) Select the option "New Scheduled Payment" from the
Payments button menu.
3) Scroll to the bottom of the Payee List, and Select
the option at the bottom of the list "Payee Was Not Listed"
4) Enter ALL required information as indicated by the *
next to each field.
5) Enter Amounts, Descriptions,
and Account Numbers as Well.
6) Click Submit to
create this new Payee.
7) Now in the Future, this Payee will be available in your
Payments List.
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What is Enhanced Online
Security
Enhanced Online Security is a new
layer of security for gaining access to your accounts. The
technology uses computer forensics to identify the computer in which
you are attempting to log into Internet Banking with. The
computer is one that you have registered (typically your home
computer, but could also be a second or third computer as in the
case of a work computer). However, we suggest that you never
register a public computer, such as one that is located in an
Internet Cafe. Enhanced Online Security (EOS) combines what
you know, an Access ID and Password with something you have a
Computer.
The new system will only present you with an Access
ID box for authentication when you first attempt to logon
(contrasted to the Access ID and Password boxes presented in the
past). Once you have entered your Access ID, EOS will then
examine your computer to determine if the Access ID and the computer
match to what was registered. If there is a match, you are
then presented with a Picture (that was assigned to your account
during enrollment - but can be changed at a later time) and the "pass phrase" that you
entered during that same enrollment process. (Note:
The "pass phrase" and picture can be changed during future logons.
For more on this please see the FAQ "How
do I Change My Security Data"). If the picture
and "pass phrase" match, then you can proceed to enter your password
to complete the logon. If they do not match, do not enter any
other information and contact the bank during business hours.
See the next FAQ "Are
there Any Instructions?" for details concerning the
Instructions.
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What is a Pass Phrase?
A "Pass Phrase" is a unique combination of words, letters,
or numbers; in our system your pass phrase is something that you
pick. For example you might write a small caption for the
image that was displayed - such as "fluffy cat" for an image that
may have been displayed of a cat. The pass phrase is unique to
you, and will be displayed with your image, after you have entered a
valid Access ID and are logging in from a registered computer.
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Does the Pass
Phrase have Restrictions?
The Pass Phrase that is entered can only be letters 'a thru
z' / 'A thru Z' / Numbers '0 thru 9'. The only other
restriction is that the Pass Phrase can not be longer than 100
Characters, and must be at least 1. Both of these lengths are
automatically controlled by the software. Meaning you MUST put
at least one character in the Pass Phrase box, and it will not
accept any more than 100.
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