| Who can use Online Banking? |
| Online Banking is a real-time online system that allows our customers a secure and convenient way to access their Community First Bank accounts via the Internet. Online Banking is free for personal accounts. |
|
| Do I have to register to use Online Banking? |
| Yes, a one-time application is required to sign up for Online Banking. Enroll Online or at any Community First Bank Office. Once the completed application is received by the bank, we will issue a Bank ID number and a Password (personal identification number). During your first visit to the Online Banking site you will be asked to select a Password of your choice which you will use whenever you access Online Banking. |
|
| How do I use Online Banking? |
| After you enter your Bank ID and Password numbers on the first screen of Online Banking, 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 and press the "submit" button. Any additional pages will have action buttons on them that lead you through your transaction. |
|
| Can business customers use Online Banking? |
| Yes, the same great features of Online Banking are available to our business customers. Because of their special needs, our business customers have access to some electronic payment methods not available to our personal account holders. The person opening the Online Banking account must be authorized by the business to do so. Apply at any Community First Bank Location. |
|
| What do I need to access Internet Banking? |
|
| What if all my accounts do not appear on my account list? |
| You must be a sole or joint owner on an account to have it added to your account list. If an account falls in this category and is not shown on your listing, simply call customer service to have it added. |
|
| Can I change my User ID and Password? |
| Yes, you can change your User ID and Password as often as you want. Simply click on "Options" & then "Account" and follow the simple instructions. The User ID must be unique. |
|
| What if I enter the wrong User ID or Password? |
| For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system for 24 hours. If you are locked-out, you can contact our Bookkeeping Department during normal business hours at 812-738-1751. Upon proper identification your accounts will be unlocked and your Password reset. |
|
| What if I forget my Password? |
| We do not have access to your Password once it has been changed. However, any customer service representative can reset your Password back to your initial Password and you can then change it to your own preferred Password. Just give us a call at any of our locations. |
|
| Why doesn't my Online Banking Password work? |
| There could be several reasons. You may be entering the wrong Password. You could also be locked out of Online Banking. You are allowed three log-in attempts. On the third attempt, if invalid, you are locked out of Online Banking. In addition, if you have not logged in to Online Banking in the past 180 days, you will be locked out of the system. If you get locked out, please call 812-738-1751. |
|
| On a normal business day, how late can I make a funds transfer? |
| All transfers requested before 6:00 pm EDT will be processed that day. Any transfers after that time will post the next business day. |
|
| How current is the information in Online Banking? |
| The information displayed in Online Banking is online/real time information. You will see transactions post to your account as they occur. The available balance in your checking and savings accounts will change throughout the day based on your activity. As you use your Visa® Check Card, use an ATM, or transfer funds between accounts, your available balance will be updated to reflect that activity as it occurs. |
|
| Are there limits on the number of transfers I can make? |
| Yes, depending on the type of account you have. Some accounts, such as some checking accounts, have no limits on the number of transfers a client can make. However, savings accounts and Money Market Accounts by federal regulation, are allowed no more than six electronic transfers per month. |
|
| Why does it sometimes appear that my Visa Check Card transactions are posting twice? |
| Merchants use telephone communication to approve transactions from your card. They receive a pre-authorization and a permanent authorization, both of which appear on your account information. You may also see a pre-authorization for $1.00. There will be an offsetting credit in the same amount. In every case, the amount charged to your card will equal the amount of your purchase. |
|
| What does the downloading feature do? |
| The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into Quicken/Quick Books and Microsoft Money. |
|
| How many statements can I see online? |
| You will be able to access and print your current transactions since your last statement as well as the statement dates shown on the Statement/Notice screen. The statement file will begin to build from the date that you sign up for Online Banking. |
|
| What if I get an error message? |
| If you get an error message please make a note of the message, the error number, and the time. Then simply give us a call at 812-738-1751 and we will make every effort to resolve the issue as quickly as possible. |
|
| What can I do to keep my information secure? |
There are several things you can do to protect your Identification and Password.
- Do not use an obvious number or other accessible information for your Online Banking Password.
- Ensure no one is watching when you enter your Online Banking ID and Password.
- Try to memorize your Online Banking ID and Password rather than writing them down.
- If you record your Online Banking ID and Password, store the document in a secure place.
- Do not share your Online Banking ID and Password with others.
- Report any unusual account activity immediately.
- Do not give your information to anyone requesting it over the phone unless you have initiated the call.
- Always log out of the system.
|
|
| Who do I contact if I have a problem with Online Banking? |
| If you have a problem with Online Banking, call 812-738-1751. |
|
| What is bill pay? |
| Bill Pay is an online bill payment system that allows our customers to send an electronic or check remittance to any business/person within the United States. |
|
| Do I have to register to use Bill Pay? |
| Yes, a one-time application is required to sign up for Bill Pay. Enroll Online or at any Community First Bank Location. You will use your Online Banking ID and Password to access Bill Pay. |
|
| When and how are payments processed? |
Scheduled check payments are processed Monday through Friday at 10:00 AM. Check payments made or scheduled before 10:00 AM Monday through Friday will be processed that day. Check payments entered after 10:00 AM will be processed on the next business day.
Scheduled electronic payments are processed twice a day Monday through Friday at 12:00 Midnight and 10:00 AM. Electronic payments made or scheduled before 10:00 AM Monday through Friday will be processed that day. Electronic payments entered after 10:00 AM will be processed on the next business day.
All scheduled payments that fall on the weekend or a holiday will be processed the previous business day. Always allow 3-5 business days for electronic payments, 5-10 days for payments made by check. |
|
| Can I postdate single and/or recurring payments? |
| Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow you to schedule payments in the future or for the current date. If a monthly recurring payment is set up to be paid on the 15th and the current date is November 5th, a payment will be scheduled for November 15th and the 15th of every future month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th. |
|
| Can I pay anyone using Online Bill Pay? |
| You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any government agencies. |
|
| How do I know if a payment to a payee is electronic or by check? |
| Once you have set up the payee, you can look at the VIEW PAYEES screen, and you will see a field that will tell you if the payee accepts electronic or check payments. |
|
| On the Payment History page, what does the 'Status' field indicate? |
Pending: The payment has been processed, but not yet sent.
Processed: The payment has been processed and sent.
Hold: The payment has a research request on it. This usually means the payment is incomplete, however, it can be processed when the issue is resolved. |
|
| Confirmation Numbers - Are these important? |
| Yes. A Confirmation number will be assigned to each Electronic Bill Payment at the time you submit your request. The same confirmation number is also used each time you instruct us to amend or delete a previously scheduled Electronic Bill Payment. You may record these confirmation numbers for future reference if you wish. For your convenience, Electronic Bill Payment Confirmation Numbers for scheduled payments are found in "Scheduled Payments" under main menu and then click "View", so you are not required to write them down. They will help us answer any questions and expedite any request you may have about your Electronic Bill Payment transactions. |
|
| When I pay a bill, when does the money come out of my account? |
| If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank - just as if you had written it from your checkbook. |
|
| Do I need to re-enter payee information each month? |
| Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you will have to change each month is the amount you want to pay and the date you want the bill paid. |
|
| Who do I contact if I have a problem with Bill Pay? |
| If you have a problem with Bill Pay, call 812-738-1751. |
|
