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Frequently
Asked Questions
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About
Online Banking
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Our
online banking allows you to get up to the minute
information about all of your accounts 7 days a week 24
hours a day.
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General
Information
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How
do I get an ID number?
In
order to receive an ID number, you must call the bank and
request to be set up for "Online Banking". |
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What
happens if I lose or forget my ID or PIN?
If you
lose or forget your ID, you may call the bank and with
proper identification your ID will be given to you, If you
lose or forget your PIN, you must follow the same
procedure and a new PIn will be given to you. |
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About
Bill Pay
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Can
I use Online Bill Payment if I live outside the United
States?
Yes,
as long as you have a bank account in the United States. |
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Whom
can I pay through Online Bill Payment?
You
can pay ANYONE in the United States from the next door
neighbor, the utility company, the bank, and even a child
in college across the country. |
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Are
there any merchants that I cannot pay through the bill
payment service?
No,
but customers cannot send an electronic payment to a payee
that is not in the database. Payees are not verified for
check payments. |
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How
late in the day can I enter, edit, or delete a payment?
Payments
are processed Monday through Friday at 1:00 p.m. Eastern
Standard Time. Any payments added, edited, or deleted up
to that time will be processed the same day. |
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What
happens if I have a scheduled payment that falls over a
weekend or holiday?
Scheduled
payments that fall over a weekend will be processed on
Friday at 1:00 p.m. Eastern Standard Time. Any new
payments entered over a weekend will be processed on
Monday at 1:00 p.m. Eastern Standard Time. Scheduled
payments that fall on a holiday will be processed the day
prior to the holiday at 1:00 p.m. Eastern Standard Time.
Any new payments entered on a holiday will be
processed the next business day at 1:00 p.m. Eastern
Standard Time. |
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How
long is history retained in the VIEW PAYMENT HISTORY
section?
Payment
history for active and deleted payees is retained and
viewable indefinitely. |
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Can
I get a copy of a cancelled check?
Yes,
you can request a copy through Customer Service. There may
be a fee associated with this service. |
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Payee
Information
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Payee,
a definition
A
payee is anyone to whom you would pay a bill or send a
check. The most common payees include utility companies,
your landlord, mortgage company, department stores, and
credit card companies. Payees also can include individuals
such as the person who mows the lawn, the local grocery
store, and your favorite charitable organization.
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How
many payees may I have set up?
There
is no limit to the number of payees you can have.
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When
will the money be taken out of my account?
For
electronic payments, the money will be withdrawn from your
account on the scheduled day. For check payments, the
money will be withdrawn from your account the day the
check clears.
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Can
I edit vendor addresses?
No.
You will have to set up a new vendor with the correct
address and delete the old one.
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How
do I know if a merchant is electronic or check?
Under
"Add New Payee", you can search the electronic
payee list to see if your payee is contained in the
electronic list, if your payee is not in this list then
the payment will be made by check.
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Can
I set up recurring payments?
Yes.
You can set up recurring payments in the following
frequencies:
- Bi-Weekly
- Weekly
- Semi-Monthly
- Monthly
- Quarterly
- Semi-Annually
- Annually
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Will
the Payee Alias field that I fill out when setting up a
payment be passed on to the merchant?
No.
The payee alias field is for your personal records,
however the account number that you entered when you added
the payee to your Personal Payee List is printed on the
check. This allows the payee to know which account to
apply the payment to.
*NOTE*: When you view the payee list it will sort
by the "Payee Alias" and not by the "Payee
Name". |
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Payment
Information
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How
far in advance should I set up a payment to insure it is
paid on time?
Check
payments entered before 1:00 p.m. Eastern Standard Time
are printed and mailed that same day but sufficient time
must be allowed for the post office to deliver the check.
Please allow 3-4 days for electronic payments.
*NOTE*: You may want to set up a payment to
yourself so you can see how the system works. |
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Are
there any minimum and maximum payment amounts?
No. As
long as you have sufficient funds in your account to cover
the payment, there is no dollar limitation. |
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What
if I do not have enough money in my account?
We
will treat bill payment items just like any other check or
electronic payment. Should the item be returned, a hold
may be placed on your bill payment service. |
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Can
I have multiple payments to the same payee on the same
day?
No. |
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Can
I stop payment?
Yes.
You will need to call Customer Service. |
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On
the Payment History page, what does the "Payment
Status" field indicate?
Following
is a table of the available status values and their
associated definitions:
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Status
Value |
Definition |
| PENDING |
The
payment has been processed, but not yet sent. |
| PROCESSED |
The
payment has been processed and sent. |
| HOLD |
The
payment has a research request on it. This
usually means the payment is incomplete, but can
be processed when the issue is resolved. |
| STOPPED |
The
consumer has or the Bill Payment service has
stopped the payment and the payment cannot be
processed again. |
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