Online Banking FAQs
About Online Banking – How to Use It
Online banking turns your computer into a virtual bank branch. It allows secure access to your accounts using a browser with encryption and password protection.
View account summaries, check transaction history, pay bills, transfer funds, and place stop payment requests.
A computer with internet access, an email address, and a bank account. A secure browser (SSL-enabled) is required.
Any ISP that supports secure connections will work; no specific provider is recommended.
No additional fee; standard banking fees still apply.
No, but existing accounts can be enabled for online banking via application.
Login & Credentials
- Username: 6–10 characters (letters/numbers)
- Password: 9–17 characters, must include uppercase, number, special character, and cannot be a palindrome
- Both are case-sensitive
After 3 failed attempts, your account is locked; you can reset via email.
Yes, and it must be updated every 180 days.
Enter username and password, then click submit. First-time users must reset credentials.
Click the Exit button.
Features & Help
Yes, via the Help button with detailed topics.
- 24/7 access
- Real-time balances
- Bill pay and transfers
- Loan/mortgage info
- Electronic bill payments
Most personal accounts tied to your SSN.
Yes, transactions update immediately.
No, for security reasons.
No; support is available by phone or email.
Security
Uses SSL encryption, firewalls, authentication systems, and secure infrastructure.
Dual authentication, encryption, firewalls, certificates, and audits.
No—avoid sending sensitive info like account numbers.
Use the reset link or contact support; a new password is issued.
Yes, for security.
No, not even the bank.
Account Access
Yes, using your browser print option.
- Checking: 45 days
- Savings: 60 days
- CD: from opening
- Loans: 18 months
Yes, or download data (e.g., Quicken format).
Some accounts may not be eligible or need setup adjustments.
Yes, by entering the check number.
Transfers
Yes—immediate, scheduled, or recurring transfers.
Yes, until 6 PM the day before.
Yes, with timing restrictions (not on the same day).
Yes, with timing restrictions (not on the same day).
Yes, via transfers or bill pay.
Bill Pay
Pay bills electronically or via mailed checks through a third-party processor.
Enroll, verify identity, add payees, and schedule payments.
No limit on number; initial dollar limit may apply.
You may incur overdraft fees.
Yes, if still in “Scheduled” status.