Mobile Banking FAQ:

Yes, Mobile Banking utilizes best practice security measures such as HTTPS, 128-bit SS encryption, password or touch ID access and application time-out when your phone is not in use. In addition, we recommend users protect their smart phones by installing security software on their phones. Such software generally includes a firewall, anti-virus, anti-spyware and anti-malware protection and the ability to trace and wipe clean your phone in the event it is lost. Consult your mobile carrier or the Mobile App store for software providers.

No account data is ever stored on your phone.

If you are already enrolled for Online Banking, simply download the app and log in using your existing username and password.

If you are not already enrolled, download the app and select "Enroll." First, you'll be prompted for your Social Security Number and date of birth. Next, you'll be asked for your checking or savings account number as well as your ATM or Debit Card number and the amount of one of your last 10 transactions. This helps us confirm that you are the person who owns this account. Finally, you'll be asked to select a username and password and provide your email address and phone number.

Yes, to change your username, select "Settings" from the main menu. Next, select "About Me." Select "Edit" next to your current username. Once you have updated your username, select "Submit."

If you do not know your current username, select "Trouble logging in?" from the Online Banking login page or contact Customer Service.

Yes, select "Settings" from the main menu. Next, select "About Me." Select "Change Password" and follow the instructions.

If you do not know your current password, select "Forgot Password" from the Mobile Banking Login page or contact Customer Service.

Yes, to make immediate transfers or schedule future dated or recurring transfers, select "Transfer Money" from the main menu. Then select "Make A Transfer."

You can view your future dated or recurring transfers by selecting "Scheduled Transfers."

Yes. Transfers from LOC accounts are subject to the following restrictions:

• You may transfer funds from your Preferred LOC, Home Equity LOC, and Handyline.
• Transfers cannot be recurring or scheduled to occur in the future.
• There is a daily limit of 3 transfers per day. (Excludes Handyline)
• You can transfer up to the following daily limits:
  • Lines of Credit - $30,000
  • Private Banking Preferred Line of Credit and Private Banking Home Equity Line of Credit – $50,000
  • Handyline – up to available balance

Deposit Account Transfers

• Before 7:00 PM (CT) Monday-Friday, excluding federal holidays – Available Immediately.
• After 7:00 PM (CT) or on Saturdays, Sundays or federal holidays – Next Business Day.

Line of Credit Advances

• Before 7:00 PM (CT) Monday-Friday, excluding federal holidays – Immediately available in your deposit account and reflected in your loan balance.
• After 7:00 PM (CT) or on Saturdays, Sundays or federal holidays – Next Business Day.

Line of Credit or Loan Payments

• Before 7:00 PM (CT) Monday-Friday, excluding federal holidays – credited that day; however will not reflect in the balance until the next business day.
• After 7:00 PM (CT) or on Saturdays, Sundays or federal holidays – credited the following business day; however will not reflect in the balance until the day after the payment has been credited.

Credit Card Payments

• Before 5:00 PM (CT) Monday-Friday, excluding federal holidays – credited that day; however will not reflect in the balance until the next business day.
• After 5:00 PM (CT) or on Saturdays, Sundays or federal holidays – credited the following business day; however will not reflect in the balance until the day after the payment has been credited.

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and government checks. They must also be payable to, and endorsed by the account holder.

International checks, U.S. savings bonds, U.S. postal money orders, Traveler's Checks, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash are not eligible for Mobile Deposit.

Bill Pay creates a profile of the funding accounts you choose at enrollment. When you log in to pay bills, it allows you to select from any of those checking accounts when making a payment.

• Payment history is automatically saved for your records.
• Schedule Payments up to a year in advance.
• Schedule recurring payments for regularly occurring bills.
• Edit or delete scheduled payments any time before processing date.

Depending on the merchant/payee, your scheduled payment will be made by check or electronically via ACH (automated clearing house). When scheduling payments, be sure to choose a "due by" date several days in advance of the actual due date reflected on your bill statement. The earliest "due by" date will be automatically displayed.

Late or undelivered payments are not common with Bill Pay. However, if this does happen, please contact our Online Banking & Bill Pay Customer Service and a representative will immediately begin researching the situation. Issues are often resolved quickly with late fees reversed in many cases. The bank will then work with our Bill Pay partner and the merchant to determine what happened and to address the situation.

Please refer to the Terms of Conditions for the Bill Pay Service for more detail pertaining to payment disputes.