Online Banking FAQ's
Check your account balances. Confirm which checks, deposits, withdrawals and ATM transactions have cleared. Transfer funds between your Internet Banking checking and savings accounts. Download transactions to financial packages.
If you do not have internet access, you can also do your banking by phone. You can initiate payments or alter payments with a simple phone call. If you have a PIN (Personal Identification Number) for our phone banking system, you can also use our automated system to transfer funds and check account balances. If you have any questions, please contact a bank representative.
If you have questions concerning our online services, please call a bank representative at our main location.
There are a few ways to know if the transaction in question was completed: Look at the account activity on the account from which you performed the transaction. All completed transactions will appear on the Account Summary page. You should have seen a Transfer Preview page displaying a summary of the transaction information. If you clicked the Transfer Now button and received a transaction trace number, the transaction was completed. You can call one of our bank representatives.
For your security, we require every Internet Banking customer to have a unique User ID. There is only one login and password for any one account.
Yes. You can access Internet Banking from any computer with Internet access.
Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor. To learn more about FDIC, visit them online at www.fdic.gov.
Account Information FAQ's
Current Business Day: The “Current Business Day” link displays all the transactions that are pending for the current business day. Current Statement: The “Current Statement” link displays all the transactions that have occurred during the current cycle. Previous Business Day: The “Previous Business Day” link displays all transactions that occurred the previous business day. Previous Statement: The “Previous Statement” link displays all the transactions that occurred since the last statement cycle. Transaction Menu: The Transaction Menu supplies an all-in-one page listing of account information. From this page, account balances, deposit information, and current account information can be viewed.
Check images can be viewed on all check transactions except for current day transactions. Check images can only be viewed if your financial institution has the capability to capture and image your cancelled checks. To view a check image, click on any of the following options: “Current Statement”, “Previous Business Day”, or Previous Statement”. Click the hyperlink in the “Check Number” Column of the check image you wish to view. This will display the front of the check. To view the back of the check, simply click the “View Back of Check” link. You can also use the Check Image Search. This allows you to search by check number and date.
Yes. You can access all of your bank accounts online. Once you have enrolled one account, you can add additional accounts by contacting a bank representative. Then you will be able to use the same User ID and Password to view information about all of your accounts.
Your Current Balance is the money that is in your account at the moment. Your Available Balance includes your available line of credit and any Memo posts that are pending at the time of your inquiry.
A memo is a note that is attached to your account when you have made a transaction on your account, but the bank has not actually processed the transaction. Common Memo transactions include debit card transactions, line of credit advances and ATM activity. When the bank processes the transaction, the Memo will be removed and a debit or credit will replace it. The one exception to this process is a debit card transaction. If the merchant where you used your debit card does not process that transaction the same day, the Memo debit will be taken off your account, and your account will be credited back the amount.
Using the Account Summary feature of Internet Banking will give you the most current balance available, including any recent transactions/purchases. But, a transaction cannot be viewed until it has actually posted to your account.
If you forget your password or enter it incorrectly, an error will be displayed on the screen and allow you to login again. After 3 unsuccessful attempts, your account will be locked. This means that you will have to contact the bank and ask if your internet banking account can be re-activated. The bank representative will be able to generate a new random password for you. The first time you login, your will be required to change you password. If you have any questions, please contact your bank representative for assistance.
A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative.
Please call us, and a bank representative will assist you.
We always want to give you the answers you need, when you need them. So if you ever have a question or comment, please feel free to contact us by phone, writing, or e-mail.
Deposits sent via direct deposit or ACH are posted to accounts on the same day they are sent. It is not possible for us to determine how long it will take to receive a deposit via U.S. Mail; however, all deposits will post on the same business day they are received, but may not be immediately available. Customers are encouraged to ensure that their deposit posts to an account prior to initiating any transactions.
The Account Summary page may not reflect some items that are pending for processing. Please refer to the account transactions within the Account Detail to see which items have posted to your account.
If you are unsure of a transaction on your account, please call one of our bank representatives at to assist you.
Checking, Savings, Certificate of Deposits, Line of Credits, Credit Cards, Loans and IRAs.
Savings Account FAQ's
Interest compounds and is credited to your account monthly based on your statement cycle.
Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.
There are many convenient ways you can deposit money into your savings account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services.
There are several easy and convenient ways you can access funds from your savings account including writing checks (on select Money Market accounts); visit any of the in network ATMs located worldwide; wire transfer funds; use Internet Banking or visit a branch near you.
Absolutely! Our bank always provides FREE deposit slips and prepaid envelopes for all deposit accounts.
Yes. Our bank sends a monthly statement on all savings accounts. If you do not receive your monthly statement, please call a bank representative for assistance.
We always want to give you the answers you need, when you need them. So if you ever have a question on your account, please feel free to contact a bank representative.
Loan FAQ's
There are several options available to make your loan payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.
No. Our bank does not assess any penalties for early payoff. If you would like to make additional principal payments to your loan, please contact a bank representative for assistance.
Our bank offers several options to receive your loan proceeds. We can either disburse funds to your checking or savings account, or if you prefer, mail you a check.
Fixed rates do not change over the term of the loan. A variable rate, known as a floating or adjustable rate, can change over the term of the loan. Variable rates adjust periodically and are based on a standard market rate outside bank control.
With a secured loan, customers are backing the loan with a pledge of collateral, such as a car or home. With an unsecured loan, also known as a signature loan, the loan is not backed by any collateral.
Lines of Credit FAQ's
Our bank offers several different line of credit plans to meet your needs. For more information regarding lines of credit, please call a bank representative.
There are several options available to make your line of credit payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.
Please send your line of credit payments to our main bank location.
No. You don’t need to pay the total outstanding balance on your line of credit every month. However, you will need to make the minimum payment.