What is Online Banking?

Online Banking is an online system that allows our customers a secure and convenient way to access their accounts via the Internet.

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Who can have Online Banking?

Any Consumer or Sole Proprietor can use Online Banking and Bill Payment. Partnerships, Corporations, and governmental institutions that require more sophisticated financial services may elect to use our Online Cash Management product. Contact us at (913) 682-2265 for more information.

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Do I have to register to use Online Banking?

Yes, you just enroll online.

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What can I do with Online Banking?

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, stop payment on a check and make payments on loans held at our bank.

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Is there a fee for Online Banking?

Both Online Banking and Bill Payment are FREE!

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What is an Internet Service Provider (ISP)?

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 ISPs are America Online (AOL), Earthlink, Leavenworth On-line and high-speed cable providers, such as Time Warner.

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Do I need any special software installed on my computer?

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

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What is a browser and how do I get one?

A browser is a piece of software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows, or you can download Netscape Navigator if you choose not to use Microsoft's product.

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What kind of browser do I need?

How do I know if my browser has 128-bit encryption?

By clicking on the Test Browser button on our Home Page/Internet Banking sign-on page.

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How do I access Online Banking?

After you have signed up for the service, visit our website and click the Online Banking login button.

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If I have a question about Online Banking, whom should I call?

Telephone your customer service representative at (913) 682-2265 or (800) 255-6762, or e-mail your question to banker@1stbankonline.com.

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I am having difficulty logging into Online Banking. What should I do?

How can I reset my Online Banking account?

You can call us at (913) 682-2265 or (800) 255-6762, Monday - Friday between the hours of 8:00 a.m. - 5:00 p.m.

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After how many invalid logon attempts will I be locked out of Online Banking?

Three invalid logon attempts will lock you out of Internet Banking. Customers should call us at (913) 682-2265 or (800) 255-6762, Monday - Friday between the hours of 8:00 a.m. and 5:00 p.m.

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Why am I told 'Your Account Is Currently Locked' when I try to log onto Online Banking?

As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect PIN being entered three times in a row. If your account is locked, please call (913) 682-2265 during regular business hours. Upon proper identification, we will be happy to unlock your account and reset your PIN. (Please note: The identification process is required to protect the security of our customers. We apologize for any inconvenience.)

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How secure is Online 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 Online Banking system. However, if you feel your information has been jeopardized in any way, please contact us immediately.

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What can I do to keep my information secure?

What happens if I don't log off the system?

Online Banking has a 10-minute time-out feature. If the system has been inactive for over 10 minutes, you will be required to re-enter your ID and PIN.

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Are there limits on the number of transfers I can make?

Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers you can make. However, savings and money market accounts, by federal regulation, are allowed no more than six electronic transfers per month.

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When are Online Banking transactions updated to my account?

The transactions are updated to your account immediately.

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When will regular bank transactions show up on my account?

Regular bank transactions will show up on your Online Banking account no later than 5:00 p.m. the day they are posted to your account.

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Can I use Online Banking if I only have a CD, Loan or Savings Account?

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

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How can I add or delete an account from Online Banking?

These types of changes can be made by your Customer Service Representative at the bank.

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What is Personal Finance Software?

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

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What does the downloading feature do?

The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into spreadsheet or word processing programs and Personal Finance Software, like Microsoft Money.

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What is Bill Pay?

Bill Pay is an online bill payment system that allows you to send an electronic or check remittance to any business or person within the United States.

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Is there a fee to use Bill Pay?

There is no fee for Bill Pay.

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Do I have to register to use Bill Pay?

Yes, a one-time application is required to sign up for Bill Pay. You will use your Online Banking ID and Pin to access Bill Pay.

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When and how are payments processed?

Will the memo field be printed on the check sent to the payee?

Yes. The memo field text will be printed on payments remitted by check. The account number that you entered when you added the payee to your Personal Payee List is also printed on the check. This allows the payee to know which account to apply the payment to.

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Whom can I pay through the Bill Pay product?

You can pay almost 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 our Bill Pay electronic payee list, payment will be sent as a check.

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Are there any merchants (payees) that I cannot pay through the Bill Pay product?

Yes. You cannot use Bill Payment to pay any government agency

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Can I have multiple payments to the same payee on the same day?

You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.

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Can I edit payee addresses?

No, in order to change a payee address, you will have to set up a new payee with the correct address and delete the entry with the incorrect address.

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Can I set up recurring payments?

Yes, you can set up recurring payments in the following frequencies:

• Weekly
• Bi-Weekly
• Semi-Monthly
• Monthly
• Quarterly
• Semi-Annually
• Annually

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Can I place a stop payment on a bill payment item?

Can I use Bill Pay if I live outside the U.S.?

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

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Can I postdate single and/or recurring payments?

How far in advance can I schedule a payment?

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.

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How far in advance should I schedule a payment to make sure that it is paid on time?

Payments made by check should be scheduled five (5) business days in advance of the date you want the payment to actually be paid. Payments made by electronic payment should be scheduled no later than three (3) business days in advance of when you want the payment to actually be paid.

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How late in the day can I enter, edit or delete a payment?

You may add, edit, or delete a payment up to 2:00 a.m. (CST) for the first processing, and up to 12:00 noon (CST) for the second processing, on the day the payment is sent.

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How long is history retained in the VIEW PAYMENT HISTORY section?

Payment history for active and deleted payees is retained and viewable indefinitely.

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How many payees may I set up?

There is no limit to the number of payees that you may set up.

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Is there a maximum and minimum payment amount?

Electronic payments are validated against your 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 the Online Bill Payment system. You are limited only by the amount of available funds in your account.

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What does the “status” field indicate on the PAYMENT HISTORY PAGE?

What happens if I have scheduled payment that falls over a weekend or holiday?

Bills do not get paid on holidays or weekends. Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Holiday processing is done on the last working day BEFORE the holiday.

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When will the money be taken out of my account for Bill Payments?

For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, if the payment is sent before 12:00 noon (CST). Electronic payments submitted after 12:00 noon (CST) are debited the next business day during bill pay processing. CHECK payment funds are debited from your account when the check clears the account (just as if you had written your own personal check).

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What if I do not have enough money in my account?

Who do I call if I have a problem with Bill Payments?

Call us at (913) 682-2265 or (800) 255-6762 between 8:00 a.m. – 5:00 p.m.

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What happens if I lose or forget my ID or PIN?

At this time there is not a separate ID and PIN for Bill Pay. If you lose or forget your ID or Pin for Online Banking, you may call us at (913) 682-2265, Monday - Friday. With proper identification, your ID or a temporary PIN will be given to you.

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