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February 20, 2010
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Welcome to Community Bank of San Joaquin's e-Banking service. Many frequently asked questions about this service are listed here. We hope that you find this information helpful. Please contact us at (209) 956-7000 for further assistance.
e-Banking FAQ
- What equipment and software do I need to access e-Banking?
- How do I sign up for e-Banking?
- Is there a cost for using e-Banking?
- What type of accounts can be accessed through e-Banking?
- Can I customize the name of my accounts online?
- How safe and secure are my e-Banking transactions?
- Can anyone else see my account information?
e-Payment FAQ
- If I did not subscribe to e-Payment when I first opened my personal checking account, can I add this service later?
- Upon subscribing to e-Payment, will I be charged the monthly service fee even if I don't make any payments?
- Will my payments and transfers be processed if e-Banking goes down?
- How can I prove payments and transfers were processed?
- Does e-Banking work with Quicken, Microsoft Money, or any other accounting software?
- Question:
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What equipment and software do I need to access
e-Banking?
- Answer:
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You'll need an Internet Service Provider (ISP), a
modem (28,800 baud or higher is recommended), and Browser software which
supports 128-bit Secure Sockets Layer (SSL) encryption. We recommend Internet
Explorer 5.5 or Netscape 4.78 for PC users. (For more information, please
refer to your copy of e-Banking Guidelines provided by Community Bank.)
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Question:
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How do I sign up for e-Banking?
- Answer:
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Access to e-Banking can be added to most Community Bank accounts at any time. If you would like to use this feature and have not yet signed up, simply return a completed
e-Banking Application and Agreement or contact one of our helpful staff members for assistance at (209) 956-7000.
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- Question:
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Is there a cost for using e-Banking?
- Answer:
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There is no charge for online access of account
information and the transfering of funds within Community Bank accounts. Other
services, such as placing a Stop Payment, requesting a Wire Transfer, or
paying bills through our e-Payment system have additional fees as outlined in
Community Bank's Fee Schedule.
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- Question:
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What type of accounts can be accessed through
e-Banking?
- Answer:
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You can access the following types of accounts:
- Checking
- Savings
- CD's/Investment
- Loans
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- Question:
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Can I customize the name of my accounts online?
- Answer:
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Yes. Our e-Banking service is designed so that users can edit information online for their own reference. Adding custom words such as "Summer Vacation" next to an account number enables users to locate specific accounts more quickly.
Note: Please include the last five digits of your account number in your modification.
Any modification made online only appears when
accessing information through e-Banking and does not impact the Bank's actual
records.
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- Question:
- How safe and secure are my e-Banking transactions?
- Answer:
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We use 128-bit Secure Sockets Layer (SSL) encryption for all communications within e-Banking. This is currently the highest level of security available for Internet transactions.
You can help safeguard your information and the
e-Banking system by protecting your Sign-On ID and password. A proper
combination of your Sign-On ID and password is the only way to gain access to
your account information online. Please be careful to keep this information
secure.
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- Question:
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Can anyone else see my account information?
- Answer:
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Your online account information is available through access methods which have been rigorously tested for security accessibility. Account information can only be accessed using the correct Sign-On ID and password combination.
For your protection, e-Banking blocks access to your account after three failed Sign-On attempts. To regain access, please contact the Bank.
If you leave e-Banking idle for a period of time without using the Sign-Off option, the system automatically terminates your session for additional security.
You can help safeguard your information and the
e-Banking system by protecting your Sign-On ID and password. A proper
combination of your Sign-On ID and password is the only way to gain access to
your account information online. Please be careful to keep this information
secure.
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- Question:
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If I did not subscribe to e-Payment when I first
opened my personal checking account, can I add this service later?
- Answer:
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Personal users can sign up for e-Payment at any time.
Just click on the Bill Payments button located within the e-Banking navigation
menu. If you have not already signed up, a message will appear informing you
that you are not currently enrolled. You will then be presented the
opportunity to enroll online. Simply accept the Terms and Conditions by
clicking the button, and you can immediately begin using the service.
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- Question:
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Upon subscribing to e-Payment, will I be charged the
monthly service fee even if I don't make any payments?
- Answer:
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Yes, the monthly service fee is charged just like
your basic telephone or cable bill - whether you use the service or not.
Please see our Fee Schedule for current pricing.
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- Question:
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Will my payments and transfers be processed if
e-Banking goes down?
- Answer:
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If e-Banking and all of Community Bank's back up
systems were to go down, you can be comfortable that any transaction which you
had already processed prior to the system going down, will be processed. If
you were in the middle of a transaction and there is some question as to
whether the system received your request, please contact the Bank to ensure
your transaction request has been accepted.
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- Question:
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How can I prove payments and transfers were
processed?
- Answer:
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Payments and transfers appear on your Register screen. If the last column of the register is marked with an "X", the payment or transfer has posted against your account.
Your monthly statement from the payee should also
indicate the date and amount of payment.
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- Question:
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Does e-Banking work with Quicken, Microsoft Money, or
any other accounting software?
- Answer:
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Yes. Community Bank's e-Banking was designed to be compatible with Quicken, Microsoft Money and many other software programs.
Export capability can be accessed from any e-Banking page by clicking either the "Download to Quicken" or "Microsoft Money" icon or at the lower left area of your screen.
Other accounting, spreadsheet or database software that supports standard comma seperated data can also be used by downloading your account data from the File Export option within the Reports screen.
Please refer to the e-Banking Guidelines provided by
Community Bank for detailed information about this feature and any known
software conflict issues.
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