Why
do my deposit accounts show current update as of today, while my
loan accounts may show previous days date information?
The deposit account information is current as of today. The loan
information will only refresh when there has been an update to the
account such as payment information.
Why don't all my deposits show in the
Deposit section of the statement?
The Deposit section of the statement is intended to show only deposits
you make at a teller window. All other deposits will appear in the
ATM or Miscellaneous Debits and Credits section of your statement.
Why do most of my transactions show
up saying none when they clear the bank? How can I change this to
show who I paid?
Vendor (payee) information is only passed for Debit Card and Electronic
Bill Pay (E-Pay) transactions. These are the only transactions where
the name of the vendor will automatically appear in your statement
and register. You can add the payee name to your transactions by
selecting the transaction. The Edit Transaction screen will appear,
allowing you to enter the transaction date, payee name, category
and memo. You only have to enter the information once. The new information
will show in both the register and statement. |
In
the statement, the far left column is entitled "number."
What are these numbers?
When looking at your cleared checks, the number in this column is
your check number. All other numbers in this column are non-meaningful
numbers used internally by Internet Banking.
In the statement, why do some credit
transactions appear with a negative sign?
ATM and Debit Card transactions are typically a debit, but occur
in the statement without a sign. To indicate that an ATM or Debit
Card deposit transaction is the opposite sign of a typical transaction,
it has been assigned a negative sign. The balance in the statement
reflects that the transaction is actually a credit to the account. |
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What
is the difference in all the Balances shown in Internet Banking?
The Available Statement Balance
is your available balance. It is the result of transactions that
have cleared the bank, including today's transactions. It does not
include transactions you may have entered in your Transaction Register
that have not yet cleared.
The Statement Available Balance
is the amount of money that is available to you to spend. It reflects
your transactions that have cleared the bank, including transactions
made today. Also, if you have overdraft protection on your checking
account, the amount you have available on the line of credit is
added to your available balance. This balance is updated each time
you log into Internet Banking.
The Statement Current Balance
is the balance your bank shows on your account, including all transactions
that have cleared your bank through last night's processing.
The Register Available Balance
is your Current Register Balance including any transactions you
have entered in your register to date, but which have not yet been
processed by your bank. |
On
the Funds Transfer screen there is a message that "Funds transfers
entered after XXXX time will be processed the next day". Does
this mean my transfer will not go through today?
While your funds transfer is still initiated today, the transaction
will not appear in your register until after nightly processing on
the host system is completed. You should receive a message back from
the system indicating that your transfer has been successful and the
Statement Available Balance will reflect the change in your balance
the next time you log in to the system. |
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How are my bills actually paid?
Internet Banking submits (transmits) all your bill pay requests
to our bill payment service around 9:00 p.m. CT each day, Sunday
through Friday. The following business day after we submit the payment
request, the bill payment service determines if your payee will
accept your payment electronically or if a check needs to be sent.
Once this is determined, your payment is sent and the funds are
deducted from your checking account. Typically the funds are deducted
from your account two business days following the transmission.
Please remember that the transmit date is not the day your payee
will receive your payment. It is the day the bill payment process
begins. The payment still must be processed and sent through the
mail or ACH Debit. Internet Banking transmits Bill payments Sunday
through Friday so PLAN AHEAD and please remember weekends and holidays.
Transactions with a payee and/or category
filled in do not keep the payee and category when they are exported
to Quicken.
The payee and category will need to be entered to the transactions
in Quicken.
I am getting the wrong extension when
exporting Quicken files.
For some Browsers, when exporting Quicken files, the default extension
will be ".html". To import into Quicken, change the extension
to ". qif".
How does Internet Banking security work?
Imagine sending a friend a letter. For us it's as simple as dropping
it in a mailbox for the carrier to pick up and deliver. Now imagine
that instead of just dropping it into the mailbox, you put the letter
through a shredder that only you have the key to and then into the
mailbox. And instead of one carrier coming to pick it up, the post
office sends 100 carriers to each take a piece of your letter. They
each go on their own route through all sorts of neighborhoods to
your friend's house. Once there, your friend takes this pile of
incomprehensible paper, puts it through a reverse shredder that
they only have a key to, and out comes your letter, safe and sound.
If we sent information through the traditional manner of one letter,
one carrier, and one route, it would be easy for a criminal to find
the truck carrying your letter and pick it out. So we use the 100-carrier
method, otherwise known as RSA public-key cryptography. It's become
a standard on the Internet wherever private or sensitive information
is concerned. The government uses it; the financial industry uses
it, and now, so can you. Security has always been a top priority
with our bank. It will continue to be so by adopting new technologies
only after they've passed our unchanging business principles of
confidentiality, flexibility, commitment and stability. To have
it any other way would not only endanger your finances, but in turn,
our reputation, and that is never good for business. |
What
is a cookie?
A cookie is a piece of data passed to your browser. Internet Banking
uses cookies inside the secure banking environment to keep track of
your session data. Basically it tells our system that you've already
logged on as a valid user. Without this cookie data, you would have
to logon every time you wanted to move to another banking screen.
When you hit the Exit button to leave the bank, the cookie data is
flushed from your system. Newer browser versions have a feature that
allows you to be notified when a cookie is being handed to your system.
You can disable this option in the Network Preference/Protocols area. |
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To
keep my banking information private, what recommendations do you
have?
* Use the latest version of either Netscape Navigator or Microsoft
Internet Explorer. Both of these browsers are certified for use
at our site.
* Keep your password confidential. Change it frequently to ensure
that no one else can guess it, and do not let anyone else use it.
* Never walk away from your computer without exiting the system
first. When you are finished with your banking, click the Exit button
located at the top and bottom navigational toolbars. Once you have
ended your session, no further transactions can be processed until
you sign on to the system again.
While trying to go back to a previous
page I was taken back to the log on screen. Why did this happen?
Sometimes using your browser's back button will cause you to be
logged out of Internet Banking. For security reasons some pages
are automatically expired so that you cannot return to them. By
using the navigation toolbar found at the top of most Internet Banking
pages, you should not encounter this problem.
How can I tell if I have a secured connection
to Internet Banking?
The visual indicators of a secured connection vary from browser
to browser. The following is a listing of all the major browsers
and their methods of indicating a secured connection. Please note
that while you are on this page, all the indicators should show
an unsecured connection (this will change if you enter the Internet
Banking account entrance).
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* Netscape Navigator 4.0
- look for an icon of a lock in the bottom left corner of the browser.
If it is in a locked position, you should have a secured connection.
If unlocked, you have an unsecured connection, which is what you should
have for this page.
* Netscape Navigator 3.0 - look for a key in the bottom left corner
of the browser. If it is broken, the connection is unsecured. If it
is whole, you have a secured connection. You should also notice a
thin blue line across the top of the view window in the browser.
* Microsoft Internet Explorer 4.0 - A small lock will appear in the
bottom bar of the browser to indicate a secured connection. If you
don't see a lock, you don't have a secured connection.
* Microsoft Internet Explorer 3.0 - The same small lock will appear
as in version 4.0, but it is positioned in the bottom right section
of the browser. |
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Can
I use Microsoft Internet Explorer (IE) to access Internet Banking?
When using IE 4.0 with Internet Banking, make sure the SP1 patch
from Microsoft has been installed or IE has been upgraded to IE
4.01. This patch will correct many user interface issues. It can
be downloaded from Microsoft's Web site.
Can I use Pocket IE on a Windows CE
system?
To access Internet Banking via Microsoft Pocket Internet Explorer
on a Windows CE system, such as a palm PC, you must disable the
cache on Pocket IE. |
