Old Mission Bank Old Mission Bank
Phone: 906-635-9910 Fax: 906-635-9920
Equal Housing Lender FDIC











OMB Connect Online Banking
Online Banking
& Bill Payment
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OMB Connect Online Banking with Bill Payment

Features
Demo
Frequently Asked Questions
Secure Sign On FAQs
Disclosure

Features

OMB Connect is the fast, simple solution to access your Old Mission Bank accounts online.  With OMB Connect you have the convenience of banking with your computer.  You can do all these and more!

·        Check your account balances
·        View your transaction history
·        Transfer funds between your accounts
·        Apply for new deposit accounts
·        Reorder checks, place stop payments, contact support, and more

You can also sign up for OMB Connect Bill Payment Service.  Bill Payment allows you to pay bills quickly and securely!

·        Make one-time payments
·        Schedule & make recurring payments
·        Track pending payments
·        Update or cancel payments

Demo

View OMB Connect Online Banking with our interactive Demo.

 

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Frequently Asked Questions

Our FAQ’s will help you find answers to many basic Online Banking questions.   Choose a category below:

·        Getting started and Enrollment

·        OMB Connect Features

·        Transfer Funds

·        Bill Payment

·        Customer Service

·        Technical and Security

·        Downloading to your home computer

Getting Started and Enrollment

*      What is OMB Connect Online Banking?
*      What is Bill Payment?
*      How much does OMB Connect Online Banking cost?
*      How much does OMB Online Bill Payment cost?
*      What do I need to enroll in OMB Connect and Bill Payment?
*      Can I enroll in OMB Connect if I don’t have an Old Mission Bank checking or savings account?
*     
Can I enroll in OMB Connect with a business account?
*      How do I enroll for OMB Connect Online Banking and Bill Payment?

 

What is OMB Connect Online Banking?

OMB Connect Online Banking is an Internet-based service that provides a convenient, secure way to do your banking.  Use OMB Connect to:

·        Check the balances in your Old Mission Bank accounts

·        See real-time account activity

·        Transfer money between your accounts

·        Access your Home Equity Line for advances and payments

·        Reorder checks

·        Request stop payments

·        Download your account history to your home computer

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What is OMB Connect Bill Payment?

OMB Connect Bill Payment is the fast secure way to use the Internet and your Old Mission Bank checking account to pay bills and send money to anyone.  Use OMB Connect Bill Payment to:

·        Make one-time payments

·        Schedule recurring payments

·        Track pending payments

·        Update or cancel payments

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How much does OMB Connect Online Banking cost?

OMB Connect Online Banking is free.* 

*An inactivity fee of $3.95 per month is imposed after 60 consecutive days of inactivity.

OMB Connect Online Banking is available for both personal and small business customers.  Due to the increased complexity of administering OMB Connect Online Banking for small businesses, there are different pricing structures for consumer and business Online Banking.

Personal Consumer Internet Banking is free for active users.  If you have not accessed the OMB Connect Online Banking for 60 consecutive days, you will be assessed an inactivity fee of $3.95 per month.

Small Business Commercial Internet Banking is $6.95 per month for active users.  If you have not accessed the OMB Connect Online Banking for 30 consecutive days, you will be assessed an inactivity fee of $9.95 per month.


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How much does OMB Connect Online Bill Payment cost?


OMB Connect Online Bill Payment is also available for both personal and small business customers.  Due to the increased complexity of administering OMB Connect Online Banking for small business, there are different pricing structures for consumer and business Online Banking.

Personal Consumer Internet Bill Payment is free if you make 5 or more payments per month.  If you make less than 5 payments, the fee is $3.95 per monthly cycle.

Small Business Commercial Bill Payment is included in the cost of the Small Business Commercial Internet Banking up to 10 bill payments per monthly cycle.  More than 10 bills per month is an additional $0.50 per bill payment.


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What do I need to enroll in OMB Connect Online Banking and Bill Payment?

To enroll in OMB Connect Online Banking and Bill Payment, you will need your:

·        Old Mission Bank account number

·        Last statement balance (Do not use commas)

·        Social Security number (Do not use spaces)

·        Email address

·        Internet access using a recommended browser (Microsoft® Internet Explorer 6.0 and higher, Firefox® 1.0 and higher, AOL® 8.0 and higher, or AOL for Mac or OS X, Camino® 1.0)

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Can I enroll in OMB Connect Online Banking if I don’t have a checking or savings account?

Yes.  You can enroll with an eligible Old Mission Bank Checking, Savings, Money Market, CD, Home Equity, or Personal Loan. 


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Can I enroll in OMB Connect with a business account?

Yes.  Some sole proprietor business accounts are eligible to enroll in OMB Connect Online Banking.   The enrollment process is manual and must be completed at the bank.   Please call Customer Service at (906) 635-9910 or toll free at 1-888-998-1662 to see if your account is eligible and to request enrollment.   


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How do I enroll for OMB Connect Online Banking and Bill Payment?

 

1.      Go to www.oldmissionbank.com

2.      Click OMB Connect Online Banking Enroll Now and follow the instructions found there, click Continue

3.      Read our Privacy Agreement

4.      Click Continue

5.      Read the OMB Connect Online Banking Disclosure and Agreement and click I Agree

6.      Enter your enrollment information

7.      Create your secure User ID and Password

8.      Choose your personal phrase, picture, and confirmation questions.
*For more information on the Secure Sign On process Click Here

9.      Click on the Make Payments tab in Online Banking

10.  Read the Disclosure and click I Agree

11.  Select a Checking Account to use to pay bills

12.  You will receive an e-mail within 3 business days confirming your Bill Payment service is ready for use

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OMB Connect Online Banking Features

*      What accounts can I view with OMB Connect Online Banking?

*      What can I do with OMB Connect Online Banking?

*      Can I reorder checks?

*      Can I request a stop payment on a check?

*      Can I open a new deposit account with OMB Connect Online Banking?

What accounts can I view with OMB Connect Online Banking?

You can view the following Old Mission Bank accounts:

·        Checking

·        Savings

·        Money Market

·        Certificate of Deposit (CD)

·        Individual Retirement Account

·        Installment Loans

·        Home Equity Line of Credit

·        Mortgage Loan

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What can I do with OMB Connect Online Banking?

OMB Connect is a fast, convenient way to balance your accounts, pay bills, and perform a variety of other services and requests from your home or any computer with Internet access.  Features include:

·        Check the balances in your Old Mission Bank accounts

·        See real-time account activity

·        Download transaction history to your home PC

·        Transfer money

·        Pay bills

·        Access your Home Equity Line

·        Reorder Checks

·        Request stop payments

·        Apply for a new account

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Can I reorder checks?

Yes.  You can reorder checks by clicking on Order Checks under the Customer Service tab at the top of the OMB Connect Online Banking navigation bar.


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Can I request a stop payment on a check?

Yes.  You can request a stop payment on your paper check by clicking on Stop a Check under the Customer Service tab at the top of the OMB Connect Online Banking navigation bar.

Note: Standard fees apply.


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Can I open a new deposit account with OMB Connect Online Banking?

You can complete an application for a new account with OMB Connect Online Banking.  Your documents will be sent to you in the mail.  You will need to complete and return them to Old Mission Bank before your account will be opened.


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Transfer Funds

*      What accounts can I transfer funds between?

*      When will the funds I transfer become available?

*      Can I transfer funds between different banks?

*      Does it cost money to transfer funds?

*      My transfers are not working.  What’s wrong?

What accounts can I transfer funds between?

OMB Connect Online Banking can be used to transfer funds from your Checking, Savings, Money Market, or Home Equity Line of Credit to any other Old Mission Bank account (Some Certificates of Deposit do not allow deposits and/or withdrawals). 

Note:  Federal regulations limit preauthorized, electronic, or telephone withdrawals from savings and money market accounts to six per month.  For money market accounts, three of the six may be checks.


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When will the funds I transfer become available?

Your funds will be available immediately for transfers between eligible accounts made by 9:00 PM Eastern Standard time. 


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Can I transfer funds between different banks?

No.  At this time you can only transfer funds between eligible accounts at Old Mission Bank.


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Does it cost money to transfer funds?

No.  Funds transfer between eligible Old Mission Bank accounts is free with OMB Connect Online Banking and Bill Payment.


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My transfers are not working.  What’s wrong?

Please contact Old Mission Bank Customer Service to have the transfer feature set up for your accounts.


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OMB Connect Bill Payment

*      How much does OMB Connect Bill Payment cost?
*      Is OMB Connect Bill Payment secure?
*      How do I enroll in OMB Connect Bill Payment?
*      How do I start using OMB Connect Bill Payment?
*      Who can I pay with OMB Connect Bill Payment?
*      Can I use Online Bill Pay from outside the United States?
*      How long does it take for a payment to reach the payee?
*      Can I use OMB Connect Bill Payment to make a payment to my Old Mission Bank loans?
*      Why can’t I edit my Payee’s address?
*      Why does my payee’s address change to an address different than the one on my bill?
*      What if I lose track of what I have paid, and pay a bill twice on the same day?
*     
The Recurring Transfer screen’s Frequency field has an option called “Twice a month.” When do these transfers occur?
*      When setting up a Recurring Transfer how does the Frequency field work?

 

How much does OMB Connect Bill Payment cost?

OMB Connect Online Bill Payment is also available for both personal and small business customers.  Due to the increased complexity of administering OMB Connect Online Banking for small business, there are different pricing structures for consumer and business Online Banking.

Personal Consumer Internet Bill Payment is free if you make 5 or more payments per month.  If you make less than 5 payments, the fee is $3.95 per monthly cycle.

Small Business Commercial Bill Payment is included in the cost of the Small Business Commercial Internet Banking up to 10 bill payments per monthly cycle.  More than 10 bills per month is an additional $0.50 per bill payment.


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Is OMB Connect Bill Payment secure?

Yes, Old Mission Bank is committed to providing you with peace of mind when using OMB Connect Online Banking and Bill Payment.  Along with your personal secure User ID and Password, we use a full range of Internet Security measures to ensure your accounts and payments are protected.  Also, to protect your privacy, we will sign you out of OMB Connect Online Banking automatically after 20 minutes of inactivity. 


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How do I enroll in OMB Connect Bill Payment?

You can enroll in OMB Connect Bill Payment when you enroll in OMB Connect Online Banking; Or you can choose to enroll at any time by following these steps:

1.      Logon to OMB Connect Online Banking using your secure User ID and Password

2.      Click on the Make Payment tab in Online Banking

3.      Read the Disclosure and click I Agree

4.      Select a Checking Account you want to use to pay bills

5.      You will receive an e-mail within 3 business days confirming your Bill Payment service is ready for use

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How do I start using OMB Connect Bill Payment?

Start using OMB Connect Bill Payment by selecting the Make Payments tab at the top of the navigation bar.  Add a payee by choosing the Add Payee option.  Make sure you have copies of your bills to assist you with setting up new payees.


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Who can I pay with OMB Connect Bill Payment?

OMB Connect Bill Payment lets you make payments to almost anyone that you would otherwise send a paper check to.  This includes recurring payments for your insurance, phone, cable, credit card, rent, mortgage, etc.  And you can easily send money to friends and family, or pay one-time bills to payees like your doctor, childcare facility, etc.

Note:  Payments cannot be made in foreign currency or to international payees.  For payments to U.S. government agencies, we have limited ability to research any issues that may arise due to the government’s strict adherence to the Consumer Privacy Act.  OMB Connect Online Banking and Bill Payment will not be responsible for any late fees or penalties that may be incurred by these types of payments.


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Can I use Online Bill Pay from outside the
United States?

Yes, as long as your bank account is in the United States, Guam, Puerto Rico, or the U.S. Virgin Islands.


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How long does it take for a payment to reach the payee?

That depends on the payee.  If the payee accepts electronic payments, it can take up to 3 business days.  If the payee accepts paper-based payments, it can take up to 5 business days.  You can tell how long a payment will take by reviewing the View Bill Payment Reports.


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Can I use OMB Connect Bill Payment to make a payment to my Old Mission Bank loans?

Yes.  However, to save time you should use the OMB Connect Online Banking Transfer system.


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Why can’t I edit my Payee’s address?

We work with payees to be sure your payments are made as quickly and efficiently as possible.  In some cases, a payee will specify that payments should be sent to a specific address other than the one on your bill.  These updates occur automatically and do not allow you to change the address.


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Why does my payee’s address change to an address different than the one on my bill?

In order to process your payments more efficiently, we verify whether or not your payee accepts electronic payments.  If the payee accepts electronic payments, it may be necessary to change the address in order to send the payment electronically.


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What if I lose track of what I have paid, and pay a bill twice on the same day?

Duplicate payments are not allowed. If you attempt to enter a second payment for the same amount, to the same payee, on the same date, you will get an error message and the payment will not be accepted.


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The Recurring Transfer screen’s Frequency field has an option called “Twice a month.” When do these transfers occur?

These transfers take place every 14 days. 


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When setting up a Recurring Transfer how does the Frequency field work?

If your start date is Tuesday, the 5th of October and you chose the following Frequency:

Weekly - the next date would be the next Tuesday.

Bi-Weekly - the next date would be every other Tuesday.

Twice a month – every 14 days

Monthly - the next date would be the 5th of the next month.

Quarterly - the next date would be 3 months after the date selected.

Semi-Annually - the next date would be 6 months after the date selected.

Annually - the next date would be October 5th of next year. 

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Customer Service

*      How do I get help?
*      What if I forget my User ID?
*      What if I forget my Password?
*      What do I need to enroll in OMB Connect Online Banking?
*      What do I need to enroll in OMB Connect Bill Payment?
*      How do I enroll in OMB Connect Online Banking?
*      Can I enroll if I don’t have a checking or savings account?
*      If I apply for a new account after enrollment in OMB Connect, will that account be viewable automatically?
*      Why isn’t my account appearing on the Account Overview page?

How do I get help?

If you need help or have questions about OMB Connect Online Banking or Bill Payment, you may use any of the following resources:

·        E-mail:  For general questions, please send us an e-mail.  To protect your privacy, please send any account or transaction-related questions using the secure mail feature available in OMB Connect Online Banking.

·        Phone:  Please contact us 24-hours a day toll free at 1-866-263-0605.

·        In Person:  Your Old Mission Bank Customer Service Representatives are available to help you with all your banking needs – including questions about OMB Connect Online Banking.

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What if I forget my User ID?

Please contact us at 1-906-635-9910 or toll free at 1-888-998-1662 during normal banking hours.


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What if I forget my Password?

Just click Forgot your Password? on the Login Screen and answer the questions you set up when you first opened your OMB Connect account.  You will be prompted to change your password.


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What do I need to enroll in OMB Connect Online Banking?

To enroll in OMB Connect Online Banking, you will need your:

·        Old Mission Bank account number

·        Last statement balance

·        Social Security number

·        Email address

·        Internet access using an up-to-date browser

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What do I need to enroll in OMB Connect Bill Payment?

·        Old Mission Bank checking account

·        OMB Connect Online Banking

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How do I enroll in OMB Connect Online Banking?

1.      Go to www.oldmissionbank.com

2.      Click OMB Connect Online Banking Enroll Now and follow the instructions found there, click Continue

3.      Read our Privacy Agreement

4.      Click Continue

5.      Read the OMB Connect Online Banking Disclosure and Agreement and click I Agree

6.      Enter your enrollment information

7.      Create your secure User ID and Password

8.      Choose your personal phrase, picture, and confirmation questions.
*For more information on the Secure Sign On process Click Here

9.      Click on the Make Payments tab in Online Banking

10.  Read the Disclosure and click I Agree

11.  Select a Checking Account to use to pay bills

12.  You will receive an e-mail within 3 business days confirming your Bill Payment service is ready for use


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Can I enroll if I don’t have a checking or savings account?

Yes.  Eligible Old Mission Bank personal accounts include: Checking, Savings, Money Market, Home Equity Loan, or Personal Loan. During self-enrollment, a savings account works just like a checking account. For CDs or Loans, you need to click the link for “CD or Loan only.”  This takes you to a screen where you can enter the appropriate information. You will then go into pending enrollment and the financial institution will complete the enrollment. 

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If I apply for a new account after enrollment in OMB Connect, will that account be viewable automatically?

No.  A new account application made by an existing user must be completed by Old Mission Bank’s Customer Service.  The documents will be sent to you by mail.  After you have signed and returned the documents, your account will be viewable online.


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Why isn’t my account appearing on the Account Overview page?

The Account Overview page does not display an account if the relationship to the customer is set up as non-owner. 


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Security & Technical

*      Is OMB Connect Online Banking secure?
*      What security measures are used for OMB Connect Online Banking?
*      What type of computer equipment do I need?
*      Can I use a Mac?
*      What type of internet browser do I need?

 

Is OMB Connect Online Banking secure?

Yes.  Old Mission Bank is committed to providing you with peace of mind when using OMB Connect Online Banking and Bill Payment.  Along with your customized, secure User ID, Password, Pass Phrase and Picture, we use a full range of Internet Security measures to ensure your accounts and payments are protected.  Additionally, to protect your privacy, we will sign you out of OMB Connect Online Banking automatically after 20 minutes of inactivity.

 


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What security measures are used for OMB Connect Online Banking?

In addition to your customized User ID, Password, Pass Phrase and Picture, your account and transactions are protected with 128-bit SSL (Secure Socket Layer) technology, data encryption, and a status message at the top of your Account Overview page that lets you know when the last registered visit to your account was.


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What type of computer equipment do I need?

To use OMB Connect Online Banking you need a computer and Internet access using an up-to-date browser.


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Can I use a Mac?

Yes.  You can use a Mac as long as you have Internet access and an up-to-date browser.


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What type of internet browser do I need?

To use OMB Connect Online Banking your Internet browser must support 128-bit encryption, cookies, and pop-up windows.


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Downloading to your Home Computer

*      Can I use Microsoft® Money with OMB Connect Online Banking?
*      Can I use other financial software with OMB Connect Online Banking?
*      Which Old Mission Bank accounts can I use to download to my home computer?

 

Can I use Microsoft® Money with OMB Connect Online Banking?

Yes.  Downloading information is easy. Select Download Activity, then select the appropriate account from the drop-down list.  Select the number of past transaction history days you want to include. Next, select Money or file format (.csv or .qif).


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Can I use other financial software with OMB Connect Online Banking?

Yes.  If your software can convert the file format .csv or .qif, downloading information is easy. Select Download Activity, then select the appropriate account from the drop-down list.  Select the number of past transaction history days you want to include. Next, select the file format you can use (.csv or .qif).


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Which Old Mission Bank accounts can I use to download to my home computer?

You can download your transaction information for the following Old Mission Bank accounts:  Checking, Savings, Money Market, and CD.


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Secure Sign On FAQs

*      What is Secure Sign On?
*      How do I set up Secure Sign On?
*      What happens if I cancel Secure Sign On during set up?
*      Do I have to change any internet browser settings for Secure Sign On to work?
*      Why doesn’t my browser’s auto complete feature pre-fill my password?  
*      I use a service that lets me see the information from all my online accounts on one website.  After I set up secure sign on, will my account information with you still appear on this website?
*      How is the Secure Sign On picture and personal phrase used?
*      What is Phishing?
*      Is my personal phrase the same as my password?
*      Can other people see my picture and phrase?
*      Can I change my picture and personal phrase?
*      How are the Secure Sign On confirmation questions used?
*      Can I change my confirmation questions?
*      What happens if I forget the answer to a confirmation question?
*      What happens when I register a personal computer?
*      What is a cookie?
*      Why would I register a personal computer?
*      Can I register this personal computer later?
*      Why shouldn’t I register public computers?
*      What happens if I registered a personal computer by mistake?  Can someone use it to access my account information?
*      If multiple people use this computer, should each person register it?
*      If I register this computer will I ever be asked to register it again?
*      Are cookies dangerous to my computer?
*      Does anti-spyware and firewall software affect registration of a personal computer?
*      How can I guarantee the security of my banking information?
*      How often can I change my password?
*      How do I access online banking if I forget my password?
*      How often can I change my user ID?

 

What is Secure Sign On?

Secure Sign On is a service to help protect you from fraudulent online activity.  It provides you with visual cues when you sign on so you know that you are on our website and it safe to enter information.  Secure Sign On also helps us ensure that only authorized individuals can access financial information online.

      
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How do I set up Secure Sign On?

By completing three easy steps.  First, select a picture and enter a phrase you want to use as confirmation that you are on our website.  Then, set up confirmation questions that help us ensure that only authorized individuals are accessing your account information.  Last, decide whether to register this personal computer as an authorized location from which to access your account information.


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What happens if I cancel Secure Sign On during setup?

The information you enter in the setup process is not saved until you complete the final confirmation step and click “Submit.” If you exit the process before this final step, you will lose the information you have set up and will need to start the process again.


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Do I have to change any Internet browser settings for Secure Sign On to work?

To register this computer as an authorized location for accessing your account information, your Internet Browser must be set to accept permanent cookies.  Most browsers accept cookies as a default setting.  If you haven’t customized this setting, you’ll probably not need to make any changes.  If you do need to change the Internet cookie setting to accept permanent cookies, follow the instructions provided in the Internet browser’s help file to complete this task.  If you do not want to make this change, you will be able to sign on using the confirmation questions for validation. 

 

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Why doesn't my browser's Auto Complete feature pre-fill my password?

Once you set up Secure Sign On, your password will not pre-fill.  Secure Sign On uses a multi-page signon process that does not allow your browser to anticipate your password entry.  While the Auto Complete feature may be helpful for some things, it can also seriously compromise your security and privacy.  If a password is saved in the browser on a public computer, that information is available to others for use or theft.  

 

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I use a service that lets me see the information from all my online accounts on one website.  After I set up Secure Sign On, will my account information with you still appear on this website?

Account aggregation lets you see the information from all your online accounts on one website.  The firm operating the account aggregation service logs in as you and uses your security information to get your information for you.  Once you set up Secure Sign On, these services may not work with the user ID and password you provided them because Secure Sign On uses a multi-page signon process.  Confirmation questions and cookies are also used as additional security information.  

 

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How is the Secure Sign On picture and personal phrase used?

The picture and phrase are our way of telling you that you are at our legitimate website.  This protects you from a fraudulent internet activity known as phishing.  They are always displayed when you sign on, forget your password, or need to change a temporary or expired password.  If you enter your user ID and the next screen does not show your picture and phrase, do not enter any personal information.  Instead, re-enter your user ID or contact us for assistance.  If you do not see your picture and personal phrase on these pages, do not enter your personal information.  

 

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What is phishing?

Phishing is an Internet fraud technique that is used by criminals to trick you into giving them personal information.  Phishing occurs when a criminal sends you an e-mail message with a link to what may appear to be our website – but it is actually a fake.  On this fake website, you will be asked to enter personal information, such as your social security number, account number or credit card number.  Phishing is a fraudulent act aimed at stealing your identity and private account information.  Phishers set up a phony website that looks like the site of a trusted company to trick you into disclosing your user ID and password.   

 

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Is my personal phrase the same as my password?

No.  Your personal phrase lets you know that you are at our website and not an imposter site.  It should not contain personal information like your password because it is displayed when you sign on, forget your password, or need to change a temporary or expired password and may be seen by people when you complete these tasks.   

 

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Can other people see my picture and phrase?

Yes.  Your picture and personal phrase are always displayed when you sign on, forget your password, or need to change a temporary or expired password and may be seen by people when you complete these tasks.  Don’t worry if someone sees your picture and phrase.  It’s just our sign to you that you are at our website.    

 

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Can I change my picture and personal phrase?

To change your picture and personal phrase, you must go through the Secure Sign On Setup process again and re-establish your confirmation questions as well.  If changes are required, please call customer service.  

 

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How are the Secure Sign On confirmation questions used?

Confirmation questions are used as an additional form of identification when you sign on from a computer that has not been registered.  They are also used to verify your identity if you forget your password or need to change a temporary or expired password.  These extra security measures help us insure that only authorized individuals access your financial information.   

 

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Can I change my confirmation questions?

To change your confirmation questions, you must go through the Secure Sign On Setup process again and re-establish your picture and personal phrase as well.  If changes are required, please call customer service.    

 

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What happens if I forget the answer to a confirmation question?

Confirmation questions must be answered to access your account information from an unregistered computer.  Answers are not case sensitive but the information and spelling must match what was entered during setup.  You will have several opportunities to answer the questions correctly before access to your account information is disabled.  If you are not able to access your account information, please contact us for assistance.

  
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What happens when I register a personal computer?

We store a permanent cookie on the computer that enables us to recognize it as an authorized location to access your information online.  The next time you sign on, we will recognize the location and you will not be asked to answer confirmation questions as part of the signon process.   

 

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What is a cookie?

A cookie is a small text file that a web server can store on a user's computer.  The cookie we store on your computer is only used by us when you access your account information online.  It is not used to track your Internet activity and cannot be used by others to access your information.   

 

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Why would I register a personal computer?

Registering your computer is another security measure to protect your financial information.  With your user ID and password, this information helps us prevent unauthorized access to your accounts.  On a registered computer, you are not asked to answer confirmation questions when you sign on – making it faster to access your account information.    

 

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Can I register this personal computer later?

Yes.  Each time you sign on using an unregistered personal computer, you will be given an opportunity to register it.   

 

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Why shouldn’t I register public computers?

We don't recommend registering public computers to access your financial information online.  Public computers can be used by many individuals and aren’t typically as secure as a personal computer.  When you use public computers, we will ask you additional questions before you sign on to protect your personal information.  Examples of public computers include, computers available at a library, coffee shop, or other public locations.   

 

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What happens if I registered a personal computer by mistake? Can someone use it to access my account information?

No, someone cannot access your account information online simply because the computer has been registered.  In addition to the cookie we use to register a computer, your user ID and password are needed to sign on from an authorized location.  If you are concerned about a cookie that has been left on a public computer, we suggest that you change your password and/or user ID.  The cookie does not contain this information and is useless if these other identifiers are not presented properly.  Cookies are also updated periodically as an additional security measure.    

 

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If multiple people use this computer, should each person register it?

If more than one person is commonly using this computer to access information for accounts they have with us, each person should register the computer for faster access to their information.  Registered locations are saved for each customer.   

 

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If I register this computer will I ever be asked to register it again?

You may be asked to register this computer again if the cookie is deleted or if your Internet browser doesn’t allow permanent cookies.  Also, if you use more than one Internet browser on your computer, you will be asked to register this computer the first time you use a different browser.  Note: If your Internet browser doesn’t allow permanent cookies, you can change your cookie settings using the instructions provided in the Internet browser’s help file.   

 

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Are cookies dangerous to my computer?

No.  Cookies are small text files that can only be retrieved by the website that stored it on your computer.  These websites cannot look at any other cookie or anything else on your machine.  The cookie we store on a registered computer is only used to ensure that an authorized location is accessing your account information.  It is not used to track your Internet activity and cannot be used by others to access your information.   

 

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Does anti-spyware and firewall software affect registration of a personal computer?

We recommend that you use anti-spyware and firewall software on all your computers.  However, some anti-spyware and firewall software do not allow cookies to be stored on a computer.  If your anti-spyware or firewall software does not allow cookies, you may not be able to register your personal computer.  Some anti-spyware software may give you an option to remove cookies.  If our cookie is removed, your personal computer will no longer be registered and you will be asked to answer confirmation questions the next time you sign on.   

 

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How can I guarantee the security of my banking information?

You are the first line of defense for your online account security.  We recommend that you:

·        Never provide your user ID and password to anyone.  Our employees never ask for this information. 

·        Be careful with your password.  Do not write it down or maintain it in a place that is easily accessible. 

·        Select a password which consists of letters, a series of numbers, or a combination of letters and numbers that cannot be easily guessed by others. 

·         When you are done using Online Banking, exit the system by clicking the Sign Off link in the top-right corner of the page.

 

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How often can I change my password?

As often as needed but only once per day.  Once you are signed on, go to Customer Service to make the change.  

 

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How do I access Online Banking if I forget my password?

Click the Forgot Your Password link on the Login page.  If this link isn't displayed, please contact Customer Service for assistance.

 


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How often can I change my user ID?

Following your initial enrollment into Online Banking, you will be permitted to change your user ID only once.  While we do recommend that you change your password as often as needed to prevent it from being compromised, it is not wise to change the user ID, which uniquely identifies you as a user of the Online Banking service.   

 

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