Online Banking FAQs
- What is Online Banking?
- How can I get Online Banking?
- How do I use Online Banking?
- What happens if I don't log off the system?
- What happens if I forget my Online Banking password?
- What should I do if I think someone has my access code?
- When will transfers show in my account?
- How do I add or delete accounts to my existing Online Banking relationship?
- How do I add the optional Bill Pay service if I did not select it when I applied for Online Banking?
- How much history can I see in Online Banking?
- What if I get an error message?
- Can I stop a payment using Online Banking?
- Who do I contact if I have a question or problem with Online Banking?
- How do I know if my browser utilizes 128-bit encryption?
Online Banking allows our customers secure and convenient access to their accounts using the internet anytime of day, any day of the year. Some of the functions available with Online Banking include:
- Access and print information on all accounts including loans. Review and print transactions and history.
- Confirm deposits, withdrawals and cleared checks.
- Transfer funds between accounts and make loan payments.
- Pay bills automatically
After you enter your User ID and password, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in. Any additional pages will have drop down menus on them that lead you through your transaction.
Online Banking has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using Online Banking, you will have to log in again to resume banking.
You are allowed three attempts to enter your password. On the third attempt, if invalid, you will be locked out of online banking. You may use the reset password link located to the right of the password box IF you have established a password self reset question in advance through the ‘Options Tab’ in online banking. Access may also be regained by contacting your local branch or calling an Online Banking Specialist to assist you at either 810.679.2500 or 800.397.2504 during regular business hours, Monday through Friday 8:30 am - 5:00 pm EST.
Contact the bank at either 810.679.2500 or 800.397.2504 during regular business hours, Monday through Friday 8:30 am - 5:00 pm EST. Ask for an online banking specialist.
The transfer cut-off time for current day's business is 6:00 p.m. EST. Any transfers made after this time will not be transacted until the next business day.
You can add or delete accounts from your existing Online Banking by either 1) Using the secure 'Contact' feature in online banking to contact an Online Banking Specialist; 2) Calling the bank and asking for an Online Banking Specialist at 810.679.2500 or 800.397.2504, or; 3) Visiting one of our branch locations. You must be an authorized signer on the account to make any changes.
How do I add the optional Bill Payment service if I did not select it when I applied for Online Banking?
You can apply for Bill Payment service through online banking. Once logged in, click on the Contact Us link at the top and send us a message requesting that Bill Payment be added to your online banking account. You must be an authorized signer on the account you wish to pay from.
You will be able to access up to 120 days transactions as well as having access to 4 months previous statements. The statement history file will begin to build from the date that you sign up for Online Banking. If you also enroll in electronic statements (eStatements), you can begin building up to 18 months of previous statements.
If you get an error message please make a note of the message, the error number and the time. Then simply contact the bank through the contact us email or call and ask for an Online Banking Specialist to assist you at either 810.679.2500 or 800.397.2504. We will make every effort to resolve your issue as soon as possible.
Yes, you may place a stop payment on any check that you have issued that has not been paid. There is a fee for this service. To place a stop payment on a check, please determine if the check has been paid by using the View a range of transactions screen. If the check does not show as being paid, go to the enter stop payment screen and enter the information requested. Note: The Enter Stop Payment option on the VIEW ACCOUNTS screen of Online Banking is for both hand-written checks and bill payments made Online by check. Stop payments may NOT be issued for an electronic payment.
If you are having any problems with Online Banking or notice a discrepancy in your account, you may use the Contact Us function to send a message to our Online Banking Specialist. The specialist will contact you as soon as possible. If you would rather talk to an Online Banking Specialist right away, contact the bank at either 810.679.2500 or 800.397.2504 during regular business hours, Monday through Friday 8:30 a.m - 5:00 p.m. EST.
You will need to check your security preferences within your browser software. Each browser is different. Click "Check your browser's security" to determine what browser and version you're using. From this you will learn what your browser's encryption strength is and what upgrade is recommended.