You can transfer funds between existing accounts within our bank, view account information, download transaction information to a spreadsheet, word processing document, or Personal Finance software, and make payments on loans held at our bank.

Personal Finance software is software that helps you keep track of your finances. An example of personal finance software is Microsoft Money®.

After you have signed up for the service and have received your Online ID and Password, visit our web site and click the Login to NetTeller button.

No. All you need is Internet access via an Internet Service Provider (ISP) and an Internet browser.

An ISP is a company that provides Internet service to customers like you. Without an ISP you will be unable to access the Internet. Some examples of ISP's are America On-line (AOL), MSN and SBC DSL.

A browser is software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows. You can also ask your ISP for more information on browsers.

Transactions dated and completed before 5:00 PM EST will be updated that day, anything after 5:00 PM EST will be posted on the following day. For future dated transactions, the transaction will not reflect the balance on the "effective day" and will reflect in the balance the following day.

Regular bank transactions will show on NetTeller the following day, or Monday if the following day is Sunday. Regular bank transactions will need to be made prior to retail location cutoffs to be posted that day. See the Personal All in One Disclosure for cutoff times.

You may call any Bank office and ask them to reset your Password. You will not be able to access your account immediately after the Password is reset. After you provide the Bank with the information to unlock your account, it may take up to an hour for you to access your account.

There is no fee for NetTeller, but there may be a fee associated with Bill Payment.

You can pay ANYONE in the United States. The next door neighbor, the utility company, the bank, and even a child in college. If the person or company you wish to pay is not on Bill Payment’s electronic payee list, Bill Payment will send the payment as a check.

Payments submitted, recurring or one time, before 1:00 PM, Monday-Friday will be processed at 1:00 PM EST. Payments received after 1:00 PM EST on Monday-Thursday will be processed the next business day. Payments received after 1:00 PM EST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.

Payments made by check should be scheduled 5 business days in advance of when you want the payment to actually be paid. Payments made by electronic payment should be scheduled 3 business days in advance of when you want the payment to actually be paid.

If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend or the last working day before the holiday. Payments entered on a weekend or holiday will be processed the next business day.

Once you have set up the payee, then you can look at the View Payees List; you will see a field that will tell you if the payee is electronic or check.

You can set up payments in any of the following frequencies:

• One-Time
• Weekly
• Bi-weekly
• Monthly
• Semi-monthly
• Quarterly
• Annually
• Semi-annually

Electronic payments are validated against the account balance prior to processing, and check payments settle against your account like any other check; therefore, there is no dollar limitation on payments made through Bill Payment. You are limited only by the amount of funds in your account.

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

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 to PowerPay 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 all together or the funds are in the account to make the payment.

Yes. You may schedule both one-time and recurring payments.

You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.

You may add, edit, or delete a payment up to 1:00 PM EST on the day the payment is scheduled to be sent.

No. Any merchant that is on PowerPay’s data base can go electronically. If a merchant is not on the list, you may send the payment as a check using Bill Payment.

Yes, as long as you have a checking account with our bank.

Payment history for active and deleted payees is retained and viewable up to three (3) years.

At this time there is not a separate Online ID and Password for Bill Payment. If you lose/forget your Online ID or Password for NetTeller, you may call us and with proper verification, your Online ID or a temporary Password will be given to you. To have access to Bill Payment at time of application, the option will need to be selected on the application.

Processed - The payment has been processed and sent.

Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds.

Communication Failure - There was an error due to communication problems.

Vendor Refund - Payment rejected at PowerPay

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

No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.

Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off.