If you are interested in signing up for Online Banking, simply fill out the enrollment form found at the link below. We will process the form and mail you a password within 3-5 business days. Once you receive the password, return to our Internet Banking website and follow the directions found in the enrollment letter. The first time you sign on, you will be required to change the password.

Bill Pay is a service offered with Online Banking that allows customers to pay any bill² from the privacy of a personal computer. Customers can enroll for this service when they sign-up for Internet Banking or, they can enroll after they sign-up by sending a "Bank Mail" message ( within Online Banking) stating they would like to use this service. Bill Pay can help fight Identify Theft, because all checks sent from this service do not list personally identifiable information (example: customer's checking account number, address, social security number).

Once enrolled, Bill Pay is simple to use - just sign in to Online Banking, click on "Bill Pay" and:

1. Create a list of people or businesses you would like to pay under "Payee List"
2. Send one payment or schedule a reoccurring payment under "Payment Schedule"
3. Send multiple payments at once using the "Multi-Pay" option
4. Verify payments have been sent or have cleared using "Payment History"
   

All Bill Payments are debited from customers accounts the first business day of or the first business day after the scheduled payment date. Some payments are sent electronically while others are sent using the postal service. Currently, the website does not allow customers to view how payments will be sent; therefore, it is recommended to allow seven to ten days for delivery. The "Payment History" screen will allow a user to view when a payment was sent and if a payment has cleared. Customers should contact the Bank with any payment discrepancies. Stopped payments and check images are subject to fees.

Bill Pay pay is free to customers who have Platinum Checking or who are enrolled with E-Statements. Customers who do not receive the service for free will be given a one year introductory period in which they can make up to ten payments per month at no charge. After the introductory period, Bill Pay is $3.95 per month plus $0.39 per transaction over ten (not including any applicable taxes).

For business customers who need more advanced services, Cash Management can provide a great solution. Cash Management can include ACH (Automated Clearing Warehouse), Wire Transfer and money ordering tools, to name a few.

If you are a business or organization who needs more control than our standard Internet Banking services can provide, please give us a call to see how we can meet your needs.

• Once a customer has tried to login three times unsuccessfully, they will be locked out of Online Banking, and will need to contact the Bank to have their login attempts and/or password reset.
• If a customer using RSA Online Security (dual authentication) incorrectly answers the Challenge Questions five times, their account will be locked out and they will need to contact the Bank to be reset.
• The initial password is in all capital letters. Many customers unknowingly enter their chosen password with the "CAPS LOCK" key on. Customers who have logged on successfully once and cannot login again, may find this to be the cause.
• Pop-up-blockers can interfere with viewing check images. Most pop-up-blockers are temporarily disabled by holding down the "CTRL" key on the keyboard while clicking on a link.
• Our Online Banking site uses small files called "COOKIES" to function. Customers who see an error message relating to "session expired" while trying to login, should check their "COOKIE" browser settings. In Internet Explorer they can be found by going to "Tools" -> "Internet Options" -> "Privacy" tab -> "Advanced" button -> check the "Always allow session cookies" option.
• Clearing Temporary Internet files can resolve some error messages and incorrectly displayed pages. This option can be found under Tools -> Internet Options -> "Temporary Internet Files".
• Spyware, Adware, Malware and other malicous software can cause many problems in both accessing Online Banking and protecting customers security. Having up-to-date Anti-virus and Anti-spyware software can greatly alleviate these problems.