Online Banking & Bill Pay

Online Banking & Bill Pay
Summary

Now's the time to move your banking online. With First Click online banking and bill pay you can manage your accounts around the clock — from the convenience of your own computer.

View account balances in real time, transfer funds between accounts, pay bills, make loan payments, and more. Signing up is as easy as filling out our First Click Online Application form. Then, drop it off at one of our branch locations.

Details:

  • Conduct banking anytime, anywhere
  • Sign up by completing our First Click Online Application
  • Easier account management
  • View balances in real time
  • Transfer funds between accounts
  • More efficient way to pay bills
  • Pay bills online
  • Set up auto payments
  • Set up e-alerts to avoid late payments
  • e-Statements save time and money
  • Always safe and secure
FAQ - Online Banking

After how many invalid logon attempts will I be locked out of Internet Banking?


Three invalid logon attempts will lock you out of Internet Banking. Contact your local banking center for more information.


Am I able to use Internet Banking if I only have a CD, Loan, or Savings Account?


Yes. If you have any account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment.


How do I add or delete an account from Internet Banking?


The change can be made through any customer service representative at any of our locations.


Am I able to reset my Internet Banking Account (not Bill Payment)?


Contact your local banking center for more information.


How will you guarantee the security of my banking information?


First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.


How do I know if my browser has 128-bit encryption?


By clicking on the Test Browser button on our Home Page/Internet Banking sign-on page.


If I have a question about Internet Banking whom should I call?


Contact your local banking center for more information.


What do I need to gain access to Internet Banking?


User ID, Password, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.

*Internet banking not currently supported on mobile devices.


What does Internet Banking cost?


Internet Banking is free to all customers. Bill Payment is free to all customers.


What happens if I lose or forget my ID or Password?


Contact your local banking center for more information.


What services are offered through Internet Banking?


  • Unlimited in the numbers and types of accounts to access.
  • Transfer funds electronically between all checking and savings accounts (regulatory limitations may apply).
  • Transfer funds electronically between checking/savings and loan accounts allowing for Interest / Principal payment distribution.
  • Transfer funds electronically between lines of credit (Cash Reserve) and checking.
  • Statement information on all deposit and loan accounts.
  • Check Imaging statement retrieval with front and back images on all cancelled checks.
  • Obtain account information on your Checking, Savings, CD's, and Loans.
  • Download "real time" transactions from any accounts to industry standard money management software.
  • Bill Payment Option - access the designated checking account to pay most bills.

Will Internet Banking be available to me at all times?


It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.


How do I get Internet Banking?


You can start Internet Banking by visiting any Customer Service Representative at any branch location, or by obtaining an application online. The application must be printed, completed, and turned into your local banking center.


FAQ - Bill Pay

Are there any merchants that I cannot pay through the bill payment service?


No. Any merchant that is in the electronic data base can be paid electronically. If a merchant is not on the list you may send the payment as a check.


We do not recommend paying government agencies for payments such as child support, alimony or checks to the I.R.S., because of limited resources to research such payments.


International payments are not permitted.

Am I able to have multiple payments to the same payee on the same day?


At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

Am I able to edit Payee addresses?


No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.

Am I able to get a copy of a cancelled Bill Payment check?


Yes. You will need to contact the bank for this information.


Images are available for all processed checks.

Am I able to use Bill Payment if I live outside the U.S.?


Yes, as long as you have a checking account at one of our locations; however, payments can only be made to locations in the United States.

How do I know if a merchant is electronic or check?


Once you have set up the payee, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is electronic ("E") or check ("C").

How far in advance should I set up a payment to ensure it is paid on time?


For an ELECTRONIC PAYMENT, allow 3 to 4 business days from when the payment is submitted.


For a CHECK, we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 12:00 Noon CST. (This is the same as if you wrote a check out of your checkbook, and put it in the mail on the same day). Allow 7 to 10 business days for a check payment.


Please note that we have no control over the U.S. Postal Service.

How late in the day am I able to I edit or delete a payment?


You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.

How long is history retained in the VIEW PAYMENT HISTORY section?


Payment History records are kept for one year.

How many payees may I set up?


There is no limit to the amount of payees you can set up through the internet.

What do the status fields indicate on the Payment History Page?


Processed - The payment has been processed and sent.


Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.


Communication Failure-There was an error due to communication problems.


What happens if I have a scheduled payment that falls over a weekend or holiday?


If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

What if I do not have enough money in my account?


CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.


ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment altogether or the funds are in the account to make the payment.