FAQ

Three invalid logon attempts will lock you out of Internet Banking. Contact your local banking center for more information.

Yes. If you have any account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment.

The change can be made through any customer service representative at any of our locations.

Contact your local banking center for more information.

First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.

Contact your local banking center for more information.

User ID, Password, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.

Internet Banking is free to all customers. Bill Payment is free to all customers.

Contact your local banking center for more information.

It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.

You can start Internet Banking by visiting any Customer Service Representative at any branch location, or by obtaining an application online. The application must be printed, completed, and turned into your local banking center.

Yes. As an additional security feature, all new online banking customers will now be presented with a password reset question and answer. All you have to do is select your preferred question and answer and hit "submit".

Yes, the online banking has a new look and feel and also includes an account "summary" page that you will now see upon logging in. Beyond that, all functionality remains the same.

You can now activate your ATM/Debit Card, Reorder your ATM or Debit Card (active cards only), Suspend your ATM or Debit Card or report as lost or stolen.

No. Any merchant that is in the electronic data base can be paid electronically. If a merchant is not on the list you may send the payment as a check.

We do not recommend paying government agencies for payments such as child support, alimony or checks to the I.R.S., because of limited resources to research such payments.

International payments are not permitted.

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

Yes. You will need to contact the bank for this information.

Images are available for all processed checks.

Once you have set up the payee, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is “Electronic” or “Check”.

For an ELECTRONIC PAYMENT, allow 3 to 4 business days from when the payment is submitted.

For a CHECK, we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 12:00 Noon CST. (This is the same as if you wrote a check out of your checkbook, and put it in the mail on the same day). Allow 7 to 10 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

You may add, edit, or delete a payment up to 3:00 PM EST on the day the payment is scheduled to be sent. iPay processes payments at 8:00am and 3:00pm Eastern.

Payment History records are kept for 18 months.

There is no limit to the amount of payees you can set up through the internet.

The iPay system will not allow a weekend or holiday to be selected. For recurring payments it will pay either before or after depending on which option the user chooses when setting this up.

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment altogether or the funds are in the account to make the payment.

Go to your App store and download the app for your mobile wallet. Next you'll load your cards in your "wallet." We have included instructions on our website for each type of wallet. When you're done, you'll be prompted to confirm via email to complete the registration.

Actually, mobile payment offers another layer of security you don't have when you pay by pulling out your card. The merchant receives a token with the transaction and never has access to your card number, name or zip code.

Your mobile device should notify you when you are in a store that accepts mobile payment. Then simply open the app, hold your phone over the terminal and click to approve.

You should contact us to disable your mobile wallet. When you have your new device, we will re-register your card.

If you get a new card reissued for any reason, you will need to add this new card to your mobile wallet and re-register.

Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out. Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

Equifax: Call 800-349-9960 or visit its website.
Experian: Call 888-397-3742 or visit its website.
TransUnion: Call 888-909-8872 or visit its website.

You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach. Learn more about how to protect yourself after a breach.