Frequently Asked Internet Banking Questions

Q: How do I access a History of my account?
A: To see a history of transactions that have been processed to your account, on the Account Access screen, click on the account under the Account Title column.

Q: What is Internet Banking?
A: Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

Q: How much does Internet Banking cost?
A: It's free. Currently there is no charge for accessing Internet Banking.

Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, the Internet Banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.

Q: How current is my banking information?
A: Most transactions, whether on-line or at a branch, are posted live to your account. Exceptions would be credit card or non-PIN based debit card transactions. At times, we will bring the Internet Banking service off line for system maintenance. Normally, system maintenance will occur at night and for only 30 minutes or less. If you experience prolonged unavailability, please contact a Member Service Representative during regular business hours.

Q: What accounts will I be able to access through Internet Banking?
A: You can access your checking, savings, investment and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible. However, due to federal regulations, Passbook Savings accounts are classified as non-transactional accounts; therefore they are unavailable for online transactions.

Q: Will I be able to access joint accounts?
A: If both owners of a joint account are signed up for Internet Banking, both owners will have to ability to view, access and transfer funds between joint accounts. This includes transferring funds between a joint account and an individual account you are an owner of. For example, you will be able to make a loan payment from a joint checking account to a loan that is in your own name.

Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Internet Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.

Q: Can I schedule future transfers?
A: Yes! Click on Scheduled Transfer at the top of the Account Access screen.

Q: When can I use Internet Banking services?
A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How many stocks can I track in my online portfolio?
A: Your online portfolio will track up to 20 stocks.

Q: Is there a demo available for me to try?
A: Yes, we have a demo site that is part of the Home Banking package.

Q: How long can I be inactive before being logged out of the Internet Banking product?
A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Firefox® or Safari®. You can use any computer that has Internet access.

Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration form and submit it to us. Once your registration is received we will process your request. You will need a password to access the service for the first time. You must have an existing checking, savings or loan account before banking online.

Q: Can I create my own password that is easy for me to remember?
A: Yes, after you use your assigned password to log-in for the first time, you can go to User Options and change your password.

Q: What happens if I forget or lose my password?
A: Just call us and we will take you through the steps needed to get back into the system immediately!