What is Online Banking?
Banking is simply taking care of almost all of your banking needs over your
computer or smartphone, 24 hours a day, 7 days a week.
What are the features of Online Banking?
- Check your account balances
- View real-time account activity
- View images of checks cleared
- View images of checks you deposited
- Transfer money between your
- Create stop payments
- Pay Bills
- Set up
alerts for balances and transactions
- Create your own customized
- View your bank
- Receive email notification when eStatement is
- Send and receive
secure emails to the bank
Can I access Online Banking with my Macintosh?
and BusinessLink are supported by Macs.
Is there a version of Online Banking for small businesses?
We offer an
advanced cash management Business Online Banking product called BusinessLink.
This gives businesses the ability to view all account activity, transfer funds,
pay bills, make commercial loan payments, place stop payments, wire funds,
create ACH (Automated Clearing House) transactions, and much more. Come see us
or call for more information.
Can I select my own User ID and Password?
Yes. During the enrollment process, you
will be prompted to create your own unique User ID and Password. You can create
any User ID and Password you wish, as long as the User ID is not being used by
What if I forget my User ID?
If you forget your User ID, please call our Technical
Support telephone number listed on the Log In page for Online Banking.
What if I forget my Password?
forget your Password, you can use the Forgot Password link on the Log In page to
help you access your account. If you still need assistance, please call our
Technical Support telephone number listed on the Log In page for Online Banking.
What is the Secret Word?
Secret Word gives you an added layer of protection for Online Banking.
Along with your User ID and Password, each time you log on to Online Banking,
you will be prompted to verify your Secret Word. You will want to memorize the
Secret Word you selected when you set up Online Banking as you will need to
locate that word each time you sign in to Online Banking.
How much does Online Banking cost?
Banking is totally free. If you wish to pay your bills online, the charge for
that service is waived if you are signed up for eStatements. A nominal monthly
fee may apply for the Bill Pay Service if you do not receive an
What is Bill Pay?
Bill Pay is a web-based service that provides you with a secure,
convenient way to electronically initiate payments to businesses or individuals,
which saves you having to buy checks and stamps.
How much does Bill Pay cost?
Bill Pay for
personal Online Banking customers is totally free if you are signed up to
receive an eStatement. A nominal monthly fee may apply for the Bill Pay Service
if you do not receive an eStatement.
Can I schedule bill payments ahead of time?
Yes. Schedule payments
in advance—either one-time payments or recurring payments.
How soon will a Bill Pay transaction get to the business/person that I sent it to?
It depends. Sometimes payments can be sent
directly to a business electronically if we have a relationship set up with
them. Other times, a check must be cut and mailed. Typically, if the item can be
sent electronically, it will arrive in 1-2 business days. If the check has to be
mailed, it may take up to 4 business days to arrive based upon the speed of mail
How do I sign up for Online Banking?
There are two ways you may sign up for Online
What information is required when I sign up for Online Banking?
You will need either your ATM/CheckPlus Card and
card PIN or your Telephone Banking PIN and your personal information such as
your name, email address and Social Security Number.
How quickly will I have access to Online Banking once I sign up?
You will have immediate access to Online Banking once you
sign up. You may go right out and view transactions, pay bills, view
e-statements and much more.
What does it mean when an item has been posted to my account?
When an item has
been posted to your account, it means that the transaction has cleared your
account and the account balance is effected by the appropriate dollar amount.
The transaction could be a paper check that you wrote or a deposit that you made
to your account.
What is an Alert?
Alerts is a great way for you to stay informed about activity of your
accounts. You can receive timely notifications via email or text messages to
your cell phone alerting you if your account balance falls below a specified
amount, if a direct deposit is made to your account, and many more.
What is Live Chat?
You can think of
Live Chat as a real-time conversation with a professional support representative
right from your computer. Through a secure channel, you "chat" one-on-one with a
live representative to get answers without having to pick up the phone.
What is an Electronic Payment?
electronic payment is any non-paper type of payment such as using your credit
card or PayPal™ for an online purchase or a bill payment through online
What is an Electronic Funds Transfer (EFT)?
An EFT is an electronic payment such as ACH
transaction or a wire transfer.
What is NACHA?
NACHA is the acronym for National Automated Clearing
House Association. NACHA is a national, payment association that develops the
operating rules and business practices for the Automated Clearing House (ACH)
Network and for electronic payments in the areas of Internet Commerce,
electronic bill payments and bill presentments, e-checks, Financial Electronic
Data Interchange (EDI), international payments, and electronic benefit transfer
What is Automated Clearing House (ACH)?
ACH refers to a funds transfer system which provides
for clearing of electronic transactions between participating financial
institutions. ACH's are governed by NACHA Operating Rules.
What is a Financial Institution (FI)?
An FI is
a state or federally-charted depository institution, such as a bank, savings and
loan, or credit union.
What is the Banking Routing Number?
The Banking Routing Number is a 9-digit
number that identifies a specific financial institution. This number is used for
payment processing and is also referred to as an ABA Number or Routing Transit
Number. You can find this number on your paper checks, typically next to your
What does authentication mean?
Authentication is the processes we use to identity that
you are really who you say you are. This could be a series of questions that we
ask about the most recent activity of your account or a question that only you
know the answer to. In Online Banking you can think of your authentication as
your User ID, Password and Secret Word.
What is Secure Sockets Layer (SSL)?
SSL is a security protocol for
transmitting private documents via the Internet. Imagine sending mail through
the postal system in a clear envelope. Anyone with access to it can see the
data. An SSL Certification puts your data in a protected envelope to protect
your data during transmission. Encryption scrambles the data so others can't
Each SSL Certificate has a public key and a private key.
The public key is used to encrypt information and the private key is used to
decipher it. When your browser points to a secured domain (like our bank website
and online banking), a SSL handshake authenticates the website and you computer.
You might notice that the address bar turns green when you access
our website and Online Banking. This means that we are using the strongest
encryption available. Also, the bank's name appears in the address bar. this
assures you that you are on our site and not a site posing as the bank.