|
|
| | Internet Banking FAQ's| What is Internet Banking? | |
| Internet Banking is a real-time online system that allows our customers a secure and convenient way to access their Bank of Missouri accounts via the Internet. |
| | Do I have to register to use Internet Banking? | | | How secure is Internet Banking? | |
| State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on the Internet Banking system. However, if you feel your information has been jeopardized in any way, please contact your local branch immediately. |
| | What happens if I forget or lose my ID or PIN? | |
| If you lose/forget your ID or PIN, you may call Customer Service and with proper verification, your ID and PIN will be restored or reset. |
| | What do I do if it says "Your Account is Currently Locked Out" when I am attempting to log in to my account? | |
Users are now able to perform password reset/unlock on their own. However, in order to use this feature, the user must first set up the security question for their account. To do this log into your Netteller account and go to Options. Under Options, you will need to set your Personal Question and your Personal Answer. These will be used to confirm security when you need to reset your password or unlock your account. After you have entered the information, click Submit to store these items. Thereafter, if you lock your account and/or forget your password, there will be a tab at the top of your Netteller screen that says Reset Password. Clicking on that tab will take you to a screen which will ask you for your Netteller ID, your e-mail address as it is on file with your internet banking account, and a subject line that you will set. This subject line can be anything and is for your security, so you will know that the e-mail you are receiving to reset your password is legitimate. After you have entered this information, click submit. If your ID and your e-mail address are correct and match what we have on file, you will receive an e-mail asking you to click the link in the message. If you click on that link, you will be taken to a site which will request your internet banking ID and the answer to the security question you set up. By answering both of those correctly with what we have on file and clicking submit, you will be taken to a place to reset your password. If you have not set up this security feature prior to locking your account, you will need to contact us for assistance in unlocking your account. If you have any problems or require any assistance, please do not hesitate to contact us at 1-888-547-6541, or stop by your nearest Bank of Missouri location. |
| | What happens if I don't log off the system? | |
| Internet Banking has a 10-minute time out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and PIN. |
| | What does the download feature do? | |
| The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into spreadsheet or word processing programs such as Microsoft Money and Quicken. |
| | When viewing my current transactions, why do I see electronic transactions and Net Teller transfers duplicated? | |
| You may see the electronic transactions, which include Net Teller transfers, twice during the bank's "end of day processing". End of day processing is required for your transactions to be updated. This process begins each banking evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day. |
| | How long are statements retained? | |
Bill Pay FAQ's| Whom can I pay through Online Bill Payment? | |
| You can pay anyone in the United States, from the next door neighbor, to the utility company, and even a child in college across the country. Once you have set up the vendor/merchant, you can look at the VIEW PAYEES LIST screen and the payee type will tell you if it is an electronic payment or check. |
| | When will the money be taken out of my account? | |
| Electronic payments are deducted from your account on the payment date. Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself. |
| | What if I do not have enough money in my account? | |
| Your bank will treat bill payment items just like any other check that you write. |
| | How late in the day can I enter, edit, or delete a payment? | |
| Bill Payments are processed at 2:00 am CST and Noon CST on the scheduled payment date. Payments entered after noon will be processed the following day. |
| | What happens if I have a scheduled payment that falls over a weekend or holiday? | |
| Scheduled payments that fall over a weekend will be processed on Friday at noon, CST. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on Monday. Holiday processing is done the day before the holiday. |
| | Can I stop a payment? | |
| Yes, directly from your system. |
| | Are there any merchants that I cannot pay through the bill payment service? | |
| Yes. You cannot pay any government agencies. |
| | Can I use Online Bill Payment if I live outside the United States? | |
| Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States. |
| | Can I get a copy of a cancelled check? | |
| You can view and print copies of your cancelled checks up to 75 days at your own computer at no additional cost to you. You may request a copy through Customer Service, however, there may be a fee associated with this service. |
| | How long is history retained in the VIEW PAYMENT HISTORY section? | |
| Payment History records are kept indefinitely. |
| | What happens if I lose or forget my ID or PIN? | |
| If you lose/forget your ID or PIN, you may call Customer Service and with proper verification, your ID and PIN will be given to you. |
| | How many payees may I have set up? | |
| There is no limit to the amount of payees you can set up through the system. |
| | What are the fees associated with Online Bill Payment? | |
Security FAQ's| How do I know if my browser utilizes 128-bit encryption? | |
| You will need to check your security preferences within your browser software. Each browser is different. For Internet Explorer, you can go to Help | About to determine your encryption level. Otherwise, you must be on a secured site to check the encryption. The settings are typically found under the File, Preference option on your toolbar. For Netscape Navigator, select Options from your toolbar and then Security Preferences. Next, click the Configure button next to SSL v2 and SSL v3. For Netscape Communicator, select the Security Icon and then click on Navigator. Next, click the Configure SSL v2 and SSL v3. |
| | Do I need to have "Cookies" enabled to use Internet Banking? | |
| Yes, your browser must accept "Cookies" to utilize this service. |
| | What happens if I don't log off of the system? | |
| Net Teller has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using Net Teller, you will have to log in again to resume banking. |
| | What happens if I forget my Net Teller PIN? | |
| You are allowed several attempts to enter your PIN. If unsuccessful, you will be locked out of Net Teller for a 24-hour time period. This period begins from the time you were unsuccessful. After the 24-hour period, you may attempt to log in again. You may reset your own password. This procedure is found on your Net Teller account under "Options." However, you must initially set up this procedure with a bank representative. |
|
|
|
