- Is the Internet safe and secure for online banking?
- Can anyone else see my account information?
- What if [%=Application("AppName")%] goes down? Will my payments be made, will my transfers go through?
- How long does it take for my Bill Pay payment to reach my payee?
- What type of accounts are included in [%=Application("AppName")%]?
- Can I have more than one checking account linked to [%=Application("AppName")%]?
- How current is this information?
- Should the payment date I give on Bill Pay be the date the payment is actually due?
- How soon are funds from Bill Pay actually taken out of my account?
- What if I don't have enough money in my account to cover a bill payment?
- When and how are my Bill Payments delivered? How can I ensure that my payee receives my payment on the due date?
- Why does it take a few days to process Bill Payments?
- What should I do if a payee has not posted my payment?
- How can I prove payments and transfers were made?
- How will Bill Payments be made?
- Can I choose the method of payment?
- Does [%=Application("AppName")%] work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?
- Question #1
- Is the Internet safe and secure for online banking?
- Answer:
- Yes. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized sign-on ID and Password.
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Be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us.
You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password. A proper combination of your Sign-On ID and Password is the only way to get access into your account. Please be careful to keep this information secure.
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- Question #2
- Can anyone else see my account information?
- Answer:
- Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID and Pass.
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- Question #3
- What if [%=Application("AppName")%] goes down? Will my payments be made, will my transfers go through?
- Answer:
- If [%=Application("AppName")%] and all of our back up systems were to go down, you can be comfortable that any transaction you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction or you are unsure of whether the transaction processed, please contact us to ensure your transaction request has been accepted.
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- Question #4
- How long does it take for my Bill Pay payment to reach my payee?
- Answer:
- Each payment made by [%=Application("AppName")%] will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it will take a matter of hours for the payment to reach your payee. Payments made by check, however, will be delivered via the U.S. Postal Service. Delivery could take several days depending on where the payment was mailed. To ensure that your payment will be processed in time, please schedule your payments at least seven business days ahead of the date they are due.
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- Question #5
- What type of accounts are included in [%=Application("AppName")%]?
- Answer:
- You can access the following types of accounts:
- Checking
- Savings
- Loan
- CD's/Investment
- Safe Deposit Box
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- Question #6
- Can I have more than one checking account linked to [%=Application("AppName")%]?
- Answer:
- Yes. You can link all of your checking accounts to [%=Application("AppName")%].
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- Question #7
- How current is this information?
- Answer:
- All transactions and balance updates are current as of your most recent log-in.
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- Question #8
- Should the payment date I give on Bill Pay be the date the payment is actually due?
- Answer:
- No. Please allow some time for the payment to reach your payee. To ensure that your payment will be processed in time, please schedule your payments at least seven business days ahead of the date they are due. Although you can schedule a payment at any time, payments are initiated (sent to the payee) only on business days.
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- Question #9
- How soon are funds from Bill Pay actually taken out of my account?
- Answer:
- If the payment is made by online check, the funds will be taken out of your account when your payee deposits the check and the item clears the Bank. If the payment is made electronically, the funds are withdrawn on the date the transaction is processed.
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- Question #10
- What if I don't have enough money in my account to cover a bill payment?
- Answer:
- If your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the payment will be returned for insufficient funds.
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- Question #11
- When and how are my Bill Payments delivered? How can I ensure that my payee receives my payment on the due date?
- Answer:
- When you schedule a payment, [%=Application("AppName")%] keeps the payment until it is time to process it. Processing time will vary depending on how the payment is made, and how long it will take to get the payment to the payee.
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When the payment process begins, your payment will be updated to a 'Processing' status. The payment is then processed by electronic funds transfer, or a check is produced from your account. The check is then sent to the payee via the U.S. Postal Service.
Since the system requires you to submit payment requests seven days in advance, this ensures there is sufficient lead time to process your request and get it to the payee by the date you specify.
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- Question #12
- Why does it take a few days to process Bill Payments?
- Answer:
- Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we send a physical check to that payee through the U.S. Postal Service. Once it is received by the payee, it may also take a day or so for that payee to deposit the check. For electronic payments, please allow two or three days for your payment to be posted.
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- Question #13
- What should I do if a payee has not posted my payment?
- Answer:
- Please allow a few days for your payee to deposit your payment. If the payment has not been posted to your account after a few days, send an online message to Bill Pay Customer Service to inquire about the status of the payment. Please have the item's reference number available. The reference number is displayed on the 'Pay Bills' screen under the "Ref #" column. The payment will then be traced and you will receive a status response.
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- Question #14
- How can I prove payments and transfers were made?
- Answer:
- With each payment and transfer, you receive a reference number that confirms we received it. In addition, payments and transfers will appear on your transaction register so you can see when they post.
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- Question #15
- How will Bill Payments be made?
- Answer:
- We use two methods of payment:
- Electronic Funds Transfer - [%=Application("AppName")%] sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date.
- Electronic by Check
- Laser Draft - looks and acts just like one of your personal checks.
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- Question #16
- Can I choose the method of payment?
- Answer:
- No. [%=Application("AppName")%] will process the payment electronically if possible. If not, then a check is produced. Over time, some payees who were originally unable to accept electronic payment may become able to.
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- Question #17
- Does [%=Application("AppName")%] work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?
- Answer:
- Yes. [%=Application("AppName")%] is compatible with these popular software products. You can access the export capability from the 'Reports' screen.
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