Bank of Utica | Internet Banking

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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

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.

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).

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.

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.

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.

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.

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).

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.

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.

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.)

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.

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?".

Can I make a Payment to someone residing outside of the United States?

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.

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.

Can I make Payments using the Around the Clock Banking System?

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 us using our online form.

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?"

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?"

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.

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.

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.

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.

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".

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.

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.

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".

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.

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.

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.

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.

Can I access older account statements?

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.

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".

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.

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"

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.

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.

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.

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.

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.

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 v6 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.

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 or use the Forgot Password link to have your password emailed to your registered email address. (Note this will expire your password and you will need to pick a new one. 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) Tabdown 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.

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.

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.

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.

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.

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.

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.

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

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.

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.

Are There Any Instructions for (EOS)?

A printable Adobe Reader file (PDF) is available by clicking this link ( Enhanced Online Security Instructions). You will need to have Adobe Reader to open this file. As always you can contact the Bank for assistance; either by calling 315.797.2761 or emailing our support team at EnhancedOnlineSecurity@bankofutica.com.

How do I Change My Security Data?

You must be logged into Internet Banking in order to change any of your security information.

To Change your "Pass Phrase" or "Challenge Questions/Answers" - Move the mouse over the " Options" button and select from the menu that pops up, the option entitled 'Change Security Data'. A new screen will be displayed where you can change any of your Challenge Questions and Answers, Pass Phrase, or even the Image associated with your Account.

To Change your Image - follow the above step to access the Change Security Data section; then select the link located under your image called "Change Image". See the FAQ "How do I Change My Image" for more information on how to browse images and select a new one.

How do I Change My Image?

You must be logged into Internet Banking in order to change any of your security information.

To Change your image - Move the mouse over the " Options" button and select from the menu that pops up, the option entitled ' Change Security Data'. A new screen will be displayed where you can change the Image associated with your Account. Select the link located under your image called "Change Image".
Use the screen that follows (after clicking the link) to select an image that you would like. In this version of the software there are over 30,000 images to choose from. Use the categories to help narrow your image search - such as Sports & Leisure, Food & Beverages or even Travel & Culture to name a few.
Use the Remember Image checkbox to save on the selection screen up to 8 different images from different categories, to decide which one you like the most at a later time. Checking the box will save the image in that location, while clicking the " More Images" button will continue to display images in the remaining slots for the category you are searching.
To Save a new image as your image for logging on, click the image itself, and the change will be made.

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.

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.