Quick tips and shortcuts

To see today's activity in real-time

You can view activity in real-time by clicking on your account number and then clicking on "Current Business Day" from the "Transactions" menu.

To transfer between accounts

To make an immediate real-time transfer between accounts use the "Express Transfer" function.  To make a transfer scheduled for a later date or on a regular recurring basis, use the "Scheduled Transfer" function.

To make a payment to a loan at this bank

Use one of the transfer functions described above to transfer funds from either your checking or savings account to your loan account.

Log On

Enter your Access ID and click the Submit button.

On the next screen enter your Password and click the Submit button.

View Account Balances 
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Usually your first screen will open to a summary of your account balances. If it does not or if you wish to view the summary at any time during your session click one time on the Accounts button.
The account titles in the Account column are provided by the system and cannot be changed. The words in the "Description" column can be changed by using the "Options" button and assigning nicknames to the accounts. Here, the system is listing Loan number 0000000 as "Consumer" and the user has nicknamed the loan "Car" by using the "Options" button.
The balances shown are real time. Because the deposit account balances show available funds it is possible this screen may show you less than you believe you have. That may happen if you are using a savings account or CD as security on a loan at the bank. From time to time certain deposit items may have temporary holds. This can happen when depositing certain types of funds such as personal checks.

View Account Summaries  
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To view an account summary, begin at the Accounts page. Click one time on the account number. You will see a brief listing of the account you have selected.

Locate Transaction Details  
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To view transactions, start from the Account Summary page shown in "View Account Summaries" above.  Move your mouse over the Transactions button.  You will see a drop down menu which will allow you to select a time period to view. Selecting "Current Statement" will show you a detailed list of all transactions in the current statement cycle. You also can view details of the previous statement cycle. Statement cycles can vary and are not necessarily full months. If your statement cycle ended three days ago you are only three days into the Current Statement and you will see only three days of activity when you select "Current Statement." Generally with internet banking you will be able to view between 30 and 60 days of transactions using the Current and Previous Statement buttons.
Because this is a real time service you can also see any items which have been presented at the bank today but not yet fully processed into your account and posted in your Current Statement. This may include direct deposits or incoming items for debit such as checks. To view those items click on "Current Business Day."

Special Note about certain debit card purchases: In "Current Business Day" you may see items described as "PREAUTH."  These are temporary postings which will drop off. They are most common when using your card at a gas pump or a restaurant.

View Transaction Details  
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When you select Current Statement or Previous Statement you will see items which were deposited to or debited from your account during that period.  You can view an image of the front and back of the checks listed by clicking one time on the check number.

Search for Transactions or Download Transactions to Quicken, Money or Other Programs  
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To search for transactions details click one time on the account number on the Accounts page. You will see a brief listing of the account you have selected. From the Transactions button select Transaction Menu.   From this screen you can search for and sort specific types of transactions in many ways by selecting or entering your search requirements on the right hand side. You also can specify how you want the search results sorted.  From the search screen you also can select a method of downloading transactions.  You can download directly to Quicken or Microsoft Money or you can download a file to open in Microsoft Excel or other spreadsheet or text program.

Transfer  
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Select "Scheduled Transfer" or "Express Transfer" from the "Transfers" button. Use Express Transfers to transfer funds immediately in real time.  To complete a transfer you must click on the Submit or Continue buttons until you see a transfer confirmation.

For Express Transfers Select the account you wish to "Transfer From" and enter the amount in the box next to the account you wish to Transfer To.

For Scheduled Transfers Select the account you wish to transfer from, the account you wish to transfer to, the frequency, the amount, the date you wish to do the transfer and how many times you want to make the transfer. Scheduled transfers will be debited from the source account on the scheduled day and credited to the receiving account the next day.

View or Print Statements  
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From the Accounts page select the account you wish to view. Then, click on the Documents button. You will see alist of documents related to that account.

All of the account statements available to you will be listed. click one time on the statement you wish to view. Statements with check images can take several minutes to load.

Change Password, Email Address, Account Names, or Security Information

Move your mouse over the "Options" button and select the item you wish to change.
With the Accounts Nicknames feature you can set names for your accounts as shown here in the Description column.
The Set Security Data feature allows you change the picture, Passphrase or Security Questions you set during your first logon.