Online Banking

Overview

 Internet Banking allows you to perform banking transactions, pay your loans, transfer funds and communicate with Customer Service quickly and easily from the comfort of your home or wherever you happen to be.  These services provide secure access at any hour of the day.  When you have questions or need help, you have several resources: this guide, on-line help at your fingertips, and Customer Service through secured mail messages or by telephone.

Where to Begin

Complete and submit the Internet Banking Enrollment Application as instructed.  Upon notification that the application has been processed, you may access the service by following the instructions indicated below.  If you require assistance, please contact the Customer Service number that was provided to you.

Accessing the Service

You receive a unique user ID and a temporary security code when you register for the service.  The first time you access the service you must change the temporary security code to one you select.  Your security code may be any 4- to 8-digit alphanumeric value.  You should protect this code just as you do your ATM PIN number, and change it often.  If you forget your security code, contact Customer Service.  You will be asked questions based on the personal information you provided when you applied for the Service.  If your answers confirm this information, your security code will be reset and the next time you access the service, you will be prompted to change your password.

Internet Banking

Use Internet Banking to review account balances and history, transfer funds, review and change scheduled transfers, view transfer history, make loan payments and loan advances.
Internet Banking's Account Balance feature tells you the account number and account type of the accounts you are using with Internet Banking.  When you select an account from the list, you get the available and actual balance for that account.

Internet Banking's Account History feature enables you to review account history that our institution maintains for each account.

Internet Banking's Account Transfer feature offers three types of transfers:

  • Immediate - A transfer is attempted immediately.  You are notified if the transfer is successful while you are on-line (like a transaction at an ATM).  The money is actually moved based on the same schedule as transactions performed at an ATM.
  • One-time - A transfer is made on a date you specify.
    Automatic - A transfer occurs as often and as many times as you specify.
  • Transfers that are made on future user-specified dates are called "scheduled" transfers.  These transfers may be either one-time or automatic.  The first transfer date may be no more than 18 months in the future.  Scheduled transfers are processed on the scheduled date.  Transfers scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time transfers and on the previous business day for automatic transfers.
Internet Banking's Scheduled Transfers feature lets you review one-time or automatic transfers or cancel a transfer before it occurs.  You can also change information, depending on the type of scheduled transfer:
  • One-time transfer - You can change the amount and date of the transfer.
  • Automatic transfer - You can change the amount, next transfer date, number of transfers, and transfer frequency.  The changes affect all future transfers.

If you want to change the FROM or TO account, you must cancel the transfer and set it up correctly.  An immediate transfer takes place the instant you confirm it, so it cannot be modified or canceled afterward.

Internet Banking's Transfer History feature provides the details, including the status of transfers you've made.  You have several ways in which to select which transfer(s) you want to review.  If you don't specify any criteria, you get all available transfer history.  If you specify:
  • Account number - You receive all transfers for that account.
  • Transfer dates - You receive transfers from the start date to the end date.
  • Transfer amount - You receive all transfers within plus or minus $10 of the specified amount.

Now available for checking accounts, option to view and/or print your checks that have cleared.  There is an icon next to the amount, just click and view both sides of the check.

If you want to direct the search to a more restricted list of past transfers, specify a combination of transfer details.

Internet Banking's Loan Advance feature allows you to make immediate, one-time, or automatic advances from a loan.  An advance can be completed on an open-end loan.

Internet Banking's Loan Payment feature allows you to make immediate, one-time, or automatic payments to a loan.

Bill Payment
 
Click here to check out the new bill pay demo!

Secured Mail Messages

Use the secure mail feature to communicate with Customer Service.
Secure Mail offers the capability to review, save, and delete received messages and to send new messages to Customer Service.  You can use this feature at any time to communicate questions, problems or requests.

Personal Options

Use Personal Options to change your security code, name, address, and phone number and to add or delete an account.

Personal Options can be used to change your personal information on the service; however, you must also notify our institution directly of any relevant changes to your name, address, or phone number.  The checking accounts you specify for bill payments are set up for you when you sign up for the service.  

You can add accounts to be used by Internet Banking or change checking accounts to be used for bill payments; these accounts are available after they have been validated by our institution.  You can only delete an account after any scheduled transaction or payment attached to it has been cancelled.

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All rights reserved.  Printed in the U.S.A.
(December 2001)