- Bank-Owned Real Estate
- Checking
- Human Resources
- International Trade
- Legal Resources
- Marketing, Advertising & PR
- SBA/Government Resources
- Duty Calls
- Overdraft Coverage
- Networking to Expand Your Business
- Savings Accounts
- Loans & Credit
- Credit and Check Cards
- Online Solutions
- Investments
- Trust & Estate
- Financial Planning
- Insurance
- Family Office Services
OnLine Access FAQs
Q. Do I need to install special software to use OnLine Access?
A. No. However, there are minimum system and software requirements that you must meet to use OnLine Access:
Operating Systems
- Microsoft Windows 1998
- Microsoft Windows 2000
- Microsoft Windows XP w/service pack 1 and 2
- Macintosh 10.3+
Browsers
- Internet Explorer 6.0 or higher
- Netscape Navigator 6.2 and 7.1
- Macintosh Safari 1.2+
- AOL 8+
- Mozilla Firefox 1.0.2 +
Q. What type of accounts can I have access to through OnLine Access?
A. You will have access automatically to all consumer accounts for which you are deemed an “owner”. Access is available for checking, money market, savings, loan(s), CD(s), IRA(s) and credit card accounts. The same applies to the Mobile Banking application with the exception of CD’s and IRA’s, they are not viewable through Mobile Banking.
Q. How do I add new accounts that I have opened since enrolling in OnLine Access?
A. Your newly opened account(s) should automatically appear after your next login following the account opening. This applies to the Mobile Banking application as well.
Q. Will my account numbers be displayed in their entirety?
A. No. For added security, your account numbers will be masked with an asterisk (*) up to the last four digits. Loan accounts will display eight digits, the last four are the note number of the loan and the first four are the last four digits of the actual loan number.
Examples
Checking = ******1567
Loans = *******12350001
Q. Can I view my statements online?
A. Yes. You will be able to view up to 18 months of checking, money market and savings account statements. In addition, you may also enroll in paperless statement delivery to stop receiving paper statements in the mail. Your statement will be presented to you in PDF format, which can be opened with Adobe Reader software. Download a free version of Adobe Reader .
Q. Can I stop delivery of paper statements?
A. Yes. Once you have enrolled in OnLine Access, visit Self Service to update your statement delivery options. Paperless delivery may not be available for all account types.
Q. What is a paperless statement?
A. A paperless statement is an electronic version of your account statement that replaces your paper statement. Instead of receiving a paper statement in the mail, you receive an e-mail when the statement is available in OnLine Access to view, print or save.
Q. What is the difference between an online statement and a paperless statement?
A. Online statements are statements that are presented online through OnLine Access to view, print or save. When you go paperless, your statement is still presented online in the same way. The only difference is that you will stop receiving paper statements in the mail.
Q. Why should I go paperless?
A. There are several reasons to go paperless:
- Save the Planet. Going paperless reduces wasted paper, but did you know that the environmental benefits stretch even further? Eliminating paper statements also cuts down on wastewater and greenhouse gases.
- Secure Your Identity. Paperless statements will not be lost or stolen, reducing the chance of mail fraud and identity theft.
- Simplify Your Life. Reduce clutter and save time by printing and filing only the statements you need. Eighteen months of past statements are available online at anytime.
Q. Can I view images of cleared checks I have written?
A. Yes, you can click on the check number beside the transaction to view the image. This is available for checking, money market or a home equity line of credit.
Q. What type of transaction history is available?
A. Your transaction register will start populating the day of your enrollment. The current default view for the transaction register is seven days, but it will store up to 18 months of data. You will also have up to 18 months of e-statements for your checking, money market and savings accounts. Credit card history is not available via e-statements at this time. Credit card register history will begin building after your first successful login to OnLine Access.
Q. Can I add a pending transaction to my register?
A. No. You will not be able to add pending transactions to your register manually. However, when you make transactions with your check card, use the ATM, have direct deposits/automatic account drafts and make transactions at the teller line, these will automatically appear in your online account activity in the “pending” transactions section.
When you use your check card at a gas pump it may be authorized for $1.00 to verify the card and account are valid. This authorized amount may only be visible in the account activity register for one day. When the actual transaction is processed by the merchant it will be for the amount of the gas purchase only.
Q. What is the difference in the Available Balance and the Ledger Balance?
A. The available balance is the balance of the account, including all cleared transactions, deposit hold items, ATM transactions and check card transactions. This is the available balance to you for use before considering any non-posted transactions. The ledger balance is the balance of the account including all posted transactions. This balance is as of the close of the previous business day.
Q. Can I categorize my transactions?
A. Yes. You will have a predefined list from which to categorize your transactions. You cannot add additional categories to the list at this time.
Q. Can I set up account transfers and what accounts can I transfer to and from?
A. Yes. Once you have enrolled in OnLine Access, you have the option to make one time transfers or recurring transfers to and from deposit accounts and lines of credit within the same financial institution. You also have the option to transfer from your deposit accounts to make payments to your loans and credit cards that you have within the same financial institution. Credit card transfers made by 6:00 p.m. EST and 5:00 p.m. CST and other transfers made by 9:00 p.m. EST are immediate and processed the same day. All others will process the next business/processing date. One time transfers will display under “Pending Transactions” and recurring transfers will display under “Pending Transfers” within the Account Activity section of OnLine Access. This applies to the Mobile Banking application as well.
Q. Can I request a stop payment using my OnLine Access service?
A. Yes. You can place a stop payment on a single check or a range/series of checks. The stop payment will be effective for 180 days from the date issued. Fees may apply.
Q. Are account alerts available through OnLine Access?
A. Yes. You have the option to manage account balances and receive an e-mail alert for deposit accounts, money market accounts and savings accounts. You can be notified by e-mail if the account has exceeded a certain balance or if the balance falls below a pre-determined amount set by you. The alert uses the Ledger balance of your account from nightly processing to determine if the account meets your requirements.
Q. Is there a financial reporting feature within OnLine Access?
A. No. The transactions you categorize should be exported into other financial management software for any reporting that you need. You will have the option to sort transactions by category or type but there are no totals for sorting provided.
Q. Will I need to disable my “pop-up-blocker” to view certain pages within OnLine Access?
A. Yes. You will encounter a pop-up window to view check images, e-statements, disclosures and other areas such as Bill Pay. Please check your computer settings to disable any pop-up-blockers you may have set or installed.
Q. Will my password expire?
A. Yes. For your security, you will be required to select a new password every 180 days.
Q. Can I change my password?
A. Yes. In fact, we recommend you change your password on a regular basis for your security. While logged in to OnLine Access, visit the Self Service area and select the link to “Change User ID/Password/Security Questions”.
Q. What if I forget my password?
A. If you forget your OnLine Access password, you can reset it from your bank homepage by clicking on “Forgot password?”
Q. Can I change my User ID?
A. Yes. While logged in to OnLine Access, visit the Self Service area and select the link to “Change User ID/Password/Security Questions”.
Q. Who do I contact for customer support?
A. Please contact OnLine Access Support at 1-866-518-4721.
