FAQ

Yes, Internet Banking does accept direct deposits. For more information, please visit our Direct Deposit page within Make A Deposit.

Interest compounds and is credited to your account monthly based on your statement cycle.

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

There are many convenient ways you can deposit money into your Internet Banking checking account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services. Note: There may be a delay in fund availability when deposits are made by debiting your account at another institution. Funds will be available on the next business day for local banks and in 5 business days for non-local banks.

Your deposits sent via direct deposit, ACH or transferred from another Internet Banking account, generally post to the account on the same business day they are submitted. It is not possible for us to determine how long it will take to receive deposits sent via U.S. mail. All deposits will post on the business day in which they are received. We do recommend that customers verify their account balances prior to initiating any debit transactions.

There are several easy and convenient ways you can access funds from your Internet Banking accounts. Write a check. Use your Check Card. Wire transfer funds. Visit any of our ATMs. Use Internet Banking. Request a cashier's check. Visit a branch nearest you.

Yes. Our bank sends a monthly statement on all checking accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

Yes. To order a copy of a past statement, please call a bank representative for assistance. Any applicable fees will be billed to your account.

A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative for assistance.

We always want to give you the answers you need, when you need them. So if you ever have a question about your account, please feel free to contact a bank representative.

If you have an account that returns canceled checks, your checking account canceled checks are always returned in your monthly statement.

To change your address, please contact a bank representative.

Interest compounds and is credited to your account monthly based on your statement cycle.

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

There are many convenient ways you can deposit money into your savings account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services.

There are several easy and convenient ways you can access funds from your savings account including writing checks (on select Money Market accounts); visit any of the in network ATMs located worldwide; wire transfer funds; use Internet Banking or visit a branch near you.

Absolutely! Our bank always provides FREE deposit slips and prepaid envelopes for all deposit accounts.

Yes. Our bank sends a monthly statement on all savings accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

We always want to give you the answers you need, when you need them. So if you ever have a question on your account, please feel free to contact a bank representative.

There are several options available to make your loan payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.

No. Our bank does not assess any penalties for early payoff. If you would like to make additional principal payments to your loan, please contact a bank representative for assistance.

Our bank offers several options to receive your loan proceeds. We can either disburse funds to your checking or savings account, or if you prefer, mail you a check.

Fixed rates do not change over the term of the loan. A variable rate, known as a floating or adjustable rate, can change over the term of the loan. Variable rates adjust periodically and are based on a standard market rate outside bank control.

With a secured loan, customers are backing the loan with a pledge of collateral, such as a car or home. With an unsecured loan, also known as a signature loan, the loan is not backed by any collateral.

Our bank offers several different line of credit plans to meet your needs. For more information regarding lines of credit, please call a bank representative.

There are several options available to make your line of credit payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.

Please send your line of credit payments to our main bank location.

No. You don't need to pay the total outstanding balance on your line of credit every month. However, you will need to make the minimum payment.

Check your account balances. Confirm which checks, deposits, withdrawals and ATM transactions have cleared. Transfer funds between your Internet Banking checking and savings accounts. Download transactions to financial packages.

If you do not have internet access, you can also do your banking by phone. You can initiate payments or alter payments with a simple phone call. If you have a PIN (Personal Identification Number) for our phone banking system, you can also use our automated system to transfer funds and check account balances. If you have any questions, please contact a bank representative.

If you have questions concerning our online services, please call a bank representative at our main location.

There are a few ways to know if the transaction in question was completed: Look at the account activity on the account from which you performed the transaction. All completed transactions will appear on the Account Summary page. You should have seen a Transfer Preview page displaying a summary of the transaction information. If you clicked the Transfer Now button and received a transaction trace number, the transaction was completed. You can call one of our bank representatives.

For your security, we require every Internet Banking customer to have a unique User ID. There is only one login and password for any one account.

Yes. You can access Internet Banking from any computer with Internet access.

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor. To learn more about FDIC, visit them online at www.fdic.gov.

The Internet Banking site utilizes frames. In a frame environment, the URL in the address bar at the top of your browser doesn't change each time a new page is loaded. If you click on the refresh button, you will refreshing the login page. If you need to refresh the page, simply click on the "Reload Page" link on the top right corner of the browser window.

Certain options, i.e. transactions and statements, are not available until you select an account from the account list page. You will also need to select an account before you can view the list of scheduled transfers.

If your computer does not currently use 128-bit encryption, simply follow the appropriate instructions for your browser listed below. If you have questions or need additional help, call a bank representative and we'll be happy to walk you through the process.

Account Nickname
A name you give an account to make it easier for you to identify.

Accrued Interest
The amount of interest earned to-date on your CD.

Algorithms
A list of instructions used to complete computer tasks.

Annual Fee
The amount we charge you to have a credit card account with us. The fee is assessed once per calendar year. The amount of your annual fee varies based on the type of credit card account you have with us. The annual fee is charged to your credit card account just like any other vendor charge, and appears on your statement in the same billing cycle during which the fee was charged.

Annual Percentage Rate (APR)
The cost of the credit expressed as a yearly rate. It is based on the "finance charge" (which is the dollar cost of the credit) and expresses the dollar cost in terms of percentage cost on an annual basis. The APR is often higher than the interest rate because it is based on the "finance charge" which includes various charges for the loan as well as the interest that will accrue at the contract rate.

Annual Percentage Yield (APY)
A rate that reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

Available Balance
The amount available in your account that you can use right now.

Browser
A browser is a software application that allows Internet users access to World Wide Web (WWW) pages on their own computers. Two of the more popular browser products are Netscape Navigator and Microsoft Explorer.

Business day
Our bank defines a business day as Monday through Friday. All bank holidays are not considered business days. Our Bank holidays are New Year's Day, Martin Luther King Day, President's Day, Memorial Day, Independence Day, Labor Day, Veteran's Day, Thanksgiving and Christmas.

Cookie
A piece of data given to a browser by a web server and handed back to the browser on subsequent visits. We use cookies at login registration and elsewhere when you enter customized information such as your zip code. Recording a cookie at such points makes your online experience easier and more personalized. It also allows us to recognize you as a customer and automate your online experience.

Current Balance
The total of all transactions posted to your account as of the previous business day. Your current balance and available balance may differ.

Current Rate
The percentage rate of interest on an account.

E-mail (Electronic Mail)
Messages, usually text, sent from one person to another via a computer. E-mail can also be sent automatically to a large number of addresses.

Early Withdrawal
The act of taking money from a Certificate of Deposit (CD) before the CD's maturity date.

Early Withdrawal Penalty
The penalty you pay for withdrawing money from a CD before its maturity date. For example, if you have a 5-year CD, but you withdraw the money after only two years, you may be charged a penalty. Refer to your Terms of Agreement for Early Withdrawal.

Encryption
The encoding of a file in order to protect its contents. This entails a word or group of words essentially written in a secret code language - a language useless to anyone but you and your bank, to protect that message from unwanted viewing or tampering.

FDIC Insurance
Each Bank One depositor is insured up to $100,000 through the Federal Deposit Insurance Corporation (FDIC). Bank One deposit products are checking accounts, savings accounts and certificates of deposit only.

Hit
As used in reference to the World Wide Web, "hit" means a single request from a Web browser for a single item from a Web server; thus in order for a Web browser to display a page that contains three graphics, four "hits" would occur at the server: one for the HTML page and one for each of the three graphics.

HTML
Hypertext Markup Language is a language used to create documents and hyperlinks on the Internet.

HTTP
Hypertext Transfer Protocol lets computer users exchange information over the Internet.

Index Rate
A variable interest rate that is tied to an index.

Interest
The amount paid by a borrower to a lender in exchange for the use of the lender money for a certain period of time.

Interest YTD
The total amount of interest you have paid on your loan so far during the current calendar year.

ISP (Internet Service Provider)
An institution that provides access to the Internet in some form, usually for money.

LAN (Local Area Network)
A computer network limited to the immediate area, usually the same building or floor of a building.

Last Statement Date
The last statement date is the date your last statement was processed.

Line of Credit
A loan commitment for a sum of money to be drawn against in increments during a specific period of time, usually under a loan agreement containing all of the terms and conditions controlling the line of credit.

Maturity
A termination date or period of a note. For example, a 30-year mortgage has a maturity of 30 years.

Modem (Modulator Demodulator)
A device that you connect to your computer and to a phone line that allows the computer to talk to other computers through the phone system. Basically, modems do for computers what a telephone does for humans.

Notary Public
One who is authorized by the state or federal government to administer oaths and to attest to the authenticity of signatures.

Online Transfer
The electronic movement of funds from one account to another.

Outstanding Balance
The amount currently owed on a debt.

PDF: Portable Document Format
Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved, and printed by using Adobe Acrobat Reader software. The basic Adobe Acrobat Reader software is available for free directly from Adobe.

Pending Payment
A payment that has been scheduled but has not yet been paid. A payment will stay on your Pending Payment list until the scheduled payment date.

Password
A number or character that is used to identify yourself. This should be very unique in order to ensure privacy. We also suggest that your password be changed frequently.

Personal Identification Number (PIN)
Your Personal Identification Number (PIN) is a security code that allows the Internet Banking system to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

Power of Attorney
A legal document that authorizes another person to act, either a specific act or generally, in the stead of the person drawing the instrument, terminable automatically upon the death of either party.

Prime Rate
A benchmark that a bank establishes from time to time and uses in computing an appropriate rate of interest for a particular loan contract.

Recurring Payment
A payment that is for a fixed amount and occurs at regular intervals, e.g., monthly.

SSL (Secure Sockets Layer)
A protocol designed by Netscape Communications to enable encrypted, authenticated communications across the Internet. SSL is used mostly in communications between Web browsers and Web servers. URLs that begin with "https" indicate that an SSL connection will be used. A secure site is one which supports SSL.

Telephone Transfer
The movement of funds from one account to another by phone.

URL (Uniform Resource Locator)
The standard way to give the address of any resource on the Internet that is part of the World Wide Web (WWW). The most common way to use a URL is to enter it into a WWW browser program such as Netscape or Microsoft Explorer.

User ID
Your User ID identifies you when you login to the the bank Internet Banking website.

Variable Rate
An interest rate on a loan that during the term of the loan varies in relationship to some other rate, index or formula.

WWW (World Wide Web)
The universe of hypertext servers (HTTP servers) which are the servers that allow text, graphics and sound files to be mixed together.

Firewall
A combination of hardware and software that separates a Local Area Network (LAN) in two or more parts for security purposes.