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Port Washington State Bank
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INTERNET BANKING FAQ's
Internet Banking
Online Check Images
E-Statements
What do I need to start using Internet Banking? You need to know your social security number or if you are a Telephone Banking user, you may use your current Telephone Banking password as your Internet Banking temporary password. You will also need to know one of your account numbers. It can be a checking, savings, certificate of deposit, or loan account number. This number will be your Internet Banking "Access ID" when you sign in as a First Time User. You will also need Internet access using Internet Explorer 5.0 or higher with 128-bit strong encryption OR Netscape Communicator 6.2 or greater with 128-bit strong encryption. For best results, your screen resolution should be set to 800 x 600 Resolution. The server that stores your Port Washington State Bank account information uses Secure Sockets Layer protocol (SSL). This security encrypts the data sent making it difficult to see your information. In other words, your information is sent in a scrambled format. To ensure that the information is being sent from a secure server, the address will start with https:// rather than http:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this: Using 128-bit encryption technology scrambling
your information, it would take a computer dedicated to doing nothing
else many years to unscramble. We require that Internet Explorer
browsers use the 128-bit high encryption pack option for the strongest
security available.
Internet Explorer High Encryption Pack is available for download
now. Netscape
users must use Netscape Communicator 4.5 or greater with 128-bit
encryption to access Internet Banking. I'm a current Internet Banking user. Why can't I Log In? Internet Banking requires that your computer's browser utilize 128-bit encryption for your security, and the connection will be automatic within the United States. However, the connection will not be automatic outside of the U.S.; Internet Explorer will need the 128-bit high encryption pack option for the strongest security available. Internet Explorer High Encryption Pack is available for download now. Netscape users must use Netscape Communicator 4.5 or greater with 128-bit encryption to access Internet Banking. The security feature for Internet Banking ensures that you are only one who knows your password. Internet Banking will consider you a "First Time User" until you go through the process of changing your password at least once. If you have an old bookmark or "favorites" link to access Internet Banking, you will need to update your Internet Banking link. Enter through the "Internet Banking" button to the left or click here now. Your Access ID is case sensitive. If you used any capital letters in setting up your Access ID, you must capitalize those same letters every time you enter your Access ID. If you are entering the right Access ID and Password and you're still not able to access Internet Banking, check if your “Caps Lock” button is activated. What is my Access
ID? I'm a First Time User of Internet Banking. How do I start? Before you begin, read the Disclosures and Agreement. There is also a Disclosures and Agreement button at the bottom of each Internet Banking webpage for your reference. To access internet banking, click on the Internet Banking button found on the Port Washington State Bank homepage or throughout this website. Click on Log In Now. You will then see a "First Time Users" button for you to use. Complete the information as requested on the screen:
I have a joint account. How do I access my account? Each customer needs to sign on to Internet Banking with their own Password and Access ID. If one signer on the account has already accessed Internet Banking using the "First Time User" button, their Access ID (account number) is assigned to that password. If an Access ID is already in use or has been chosen by another Port Washington State Bank customer, you will be prompted to choose a new Access ID. After I log on to Internet Banking, what should I do first? Welcome! Once you're logged in to your accounts, there isn't any right or wrong thing to do first. The "Password" button makes it very easy to change your password, and we encourage you to make a habit of changing it often for your own security. Once you are logged in, the screen will display "Accounts" with a listing of your accounts. You can view each of them in more detail by clicking on the corresponding account number. Clicking on an account number will bring the "Balances" screen. Just click on the other available buttons to see the different types of information now available to you. One
of the choices to log on the Account Type is Certificate. What is
that? Certificate means Certificate of Deposit. You can log in using your Certificate of Deposit number by choosing this account type. What should I do if I forget my password? The first time you log in to Internet Bank, you are required to change your temporary password into a unique password. Changing your password ensures that you are the only person who knows your password. If you forget this password, contact your Personal Banker or call (262) 284-4416 or (800) 550-9435 during regular business hours. You will be required to Log In again as a First Time User to ensure that the password is again changed to a unique password. When do my banking transactions appear on Internet Banking? You are able to view your financial information "live". Any electronic items, including ATM or debit card transactions, or in person transactions will appear immediately by clicking "Transactions" then select "Current Business Day". "Current Business Day" transactions are pending transactions. Deposits made at one of our Port Washington State Bank offices, ACH, debit card, and ATM card transactions make up the majority of these entries. It is important to note that these transactions reflect certain types of account activity and, may or may not, be posted to your account at the end of the business day. For example, if you purchase an item from a merchant using your debit card, a verification transaction is sent to your account to see if you have enough money for the purchase. This verification appears as a pending transaction until the end of the business day. Another transaction is sent to your account when the merchant processes the actual purchase. In some cases, the verification and the actual transaction will appear as pending transactions on the same day. Only one of these will post to your account. Furthermore, merchants are not consistent in the way they send verification transactions to your accounts. Some will verify for the exact dollar amount of the purchase while others will round up to the nearest dollar or five-dollar increment. Some restaurants, for example, will add 15% to the verification amount to cover an expected tip. This amount is for verification only and should not be written down in your ledger as the actual transaction amount. What are "Memo Posted Debits"? When you write out checks that are cashed by others who do not bank with Port Washington State Bank, the total amount of those checks will appear in a group as "Memo Posted Debits". As Port Washington State Bank pays them, they will appear under your "Current Statement" as individual checks and their corresponding amounts. Transactions that we receive, but have not been run through the bank yet, are listed in a group as "Memo Posted Debits". This is found in the "Current Business Day" section of the transaction menu. This is the most up-to-the-second balance of your account. How can I be certain that a transfer I set up will happen?
How do I cancel a one-time transfer? One time transfers are "real time" meaning once you submit your transfer request, it affects the balance. To "undo" the transfer, you have to reverse the transfer. That is, to "reverse" a transfer you just made of $100.00 from your checking account to your savings account, you would now need to transfer the same amount of $100.00 from your savings account back to your checking account (Note that banking regulations for Savings, Money Market and Money Market Index Accounts allow for a maximum of six (6) electronic transfers each month). How do I cancel a scheduled transfer? Scheduled transfers are not "real time", that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer. View your scheduled transfers to be held in the future on each account using the "Transfer" button. To modify a transfer, click on the link to the account you wish to change. It will open the transfer details you had set up. To cancel the scheduled transfer, change the remaining transfers to zero, or make other changes you wish. Choose "Update Transfer Information". When I get large amounts in my accounts, why can't I see all of the numbers? For best viewing, your screen resolution should be set to 800 x 600. How can I see my Home Equity Line? Home Equity Line of Credit account activity is available through Internet Banking with the rest of your accounts. Why can't I see my spouse's account? Your password allows you access to the accounts which you are an owner or signer. If you are not able to view an account which you believe you should be able to see, contact Port Washington State Bank's Customer Service Department at (262) 284-4416 or (800) 550-9435 during regular business hours for assistance. If you are not an owner or signer on an account, you will not be given access to that account. For example, if your spouse holds an account in his or her own name, you will not be able to view it in your household accounts. Can I use Internet Banking with my Quicken or Microsoft Money? You can export your transaction information from Internet Banking one of two ways:
There are a couple of different ways to see your checks: (A) This viewing option allows you to retrieve images of checks that have cleared up to the past 60 days.
(B) Another way to view your checks is by using the "Transaction Menu". This viewing option allows you to retrieve images of checks that have cleared within the past six months.
Your transaction appears on Internet Banking "real time" as soon as your check is processed. Your check will be available for viewing by 10:00 a.m. the following business day. How long will my checks remain on Internet Banking? You can view your checks through your "Current Statement" or "Previous Statement" which, depending on where you are in your statement cycle, will show up to 60 days of cleared checks. You can view the past 6 months of cleared checks using the "Transaction Search". This viewing option allows you to get check images that have cleared prior to your previous statement, for the past 6 months.
If you put your mouse over the image of the check, you may see a little menu appear. Click the button that looks like a printer. Another method to print the check is to put your mouse over the image of the check, then click the right button on your mouse. Select "Print Picture". When I click on the check number I receive the message "Unable to retrieve document from archive". Your transaction appears on Internet Banking in "real time" as soon as your check is processed. Your check will be available for viewing by 10:00 a.m. the following business day. For example, checks cleared on a Friday will appear for viewing by 10:00 a.m. on Monday. Images of your checks are available online for the past 6 months. If you request a check number cleared before that time, you will see this message. Some businesses that you write checks to may now be using Draft Capture. The business may treat your check like an electronic transaction, using the information on the check to debit your account directly instead of processing the check. In these situations, the business may keep your check, or they may hand it right back to you. In these situations your check would not be available on Internet Banking, because the paper check was not sent to the bank. The computers find and display your check based on the MICR numbers imprinted at the bottom of your checks. In a rare instance, these numbers may not be readable, for example if the check was damaged. In these situations where the MICR number is not readable, the computer may not be able to select your check from the database for display on Internet Banking.
Online Bill Pay is a service that allows you to have money sent from your checking account to almost anyone. We call the service Online Bill Pay because paying bills is the most popular use of this internet payment service. But you can even send money to your kids away at college, or send a gift of money to someone across the country. You set up the information about who you want paid once, and then never have to worry about taking the time to address an envelope, buy a stamp, or make a trip to mailbox. What do I need to start using Online Bill Pay? You will need to have access to Port Washington State Bank's Internet Banking service and have a Port Washington State Bank checking account. There is an Online Bill Pay Agreement for you to read, agree to and submit to the bank. When we receive your application, we will activate the Online bill Pay Service and you will have a "Setup New Payments" button appear when you Log On to Internet Banking. If you are not a current Internet Banking customer, you will also need a password. You can use your Telephone Banking password, or the last four digits of your social security number. You will also need Internet access using Internet Explorer 5.0 or higher or Netscape Communicator 6.2 or greater with 128-bit strong encryption. If you need to upgrade your browser, you can do that now: For best results, your screen
resolution should be set to 800 x 600 Resolution.
After choosing "Submit", you will then be asked to change your password. The bank will not know the password you choose, so you must carefully protect and remember it. You may choose to change your Access ID at this time; joint account owners will be required to have different Access IDs. Letters or numbers are allowed and a combination of both is encouraged. However, because characters are case sensitive, you must use the same capitalization each time (Check if your "Caps Lock" button is activated or not!). After this First Time entry to Internet Banking, you will simply Log In using your Access ID and your new password. The server that stores your Port Washington State Bank account information uses Secure Sockets Layer protocol (SSL). This security encrypts the data sent making it difficult to see your information. In other words, your information is sent in a scrambled format. To ensure that the information is being sent from a secure server, the address will start with https:// rather than http:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this: Using 128-bit encryption technology scrambling your information, it would take a computer dedicated to doing nothing else many years to unscramble. We strongly encourage Internet Explorer users to use the 128-bit high encryption pack option for the strongest security available. Internet Explorer High Encryption Pack is available for download now. Netscape users must use Netscape Communicator 4.5 or greater with 128-bit encryption to access Internet Banking. Netscape Navigator 2.0 and 3.0 display a broken key icon when on a site that doesn't require encryption and a solid key appears when the site is secure. However, Netscape users of Internet Banking must use Netscape Communicator 4.5 or greater with 128-bit encryption, so you should upgrade your browser if you do not see a closed padlock. Who can I pay using Online Bill Pay? Online Bill Pay allows you can pay virtually any business or individual in the United States. The only types of payments that are not allowed are tax payments and court ordered payments. You can set up a one time payment to your nephew as a birthday gift or to your mechanic for a car repair, for example. Or choose to set up regularly scheduled payments to an individual (like a babysitter for child care), or a business (like a rental agency for your rent). After you Log On to Internet Banking, click on the "Accounts" button, then click on the checking account number from which we will be paying your bills. After the bank receives your application, you will see an “Setup New Payments” button to give you access to Online Bill Pay. This screen will show your Scheduled Payments that have been set up. To set up a new payment, click on "Setup New Payment" “New Scheduled Payment” in the drop-down box. Have a copy of your bill available when you setup a new payment. The screen will indicate the information we need to ensure that your payment is made correctly and on time. This is the information you will need to set up a payment; the required information is indicated by an asterisk (*):
Click on the “Submit” button and Port Washington State Bank will begin processing payments received before 6:00 p.m. CST on any business day. Be sure to allow at least five business days for your payment to be received by your Payee (see "How much notice does the bank need to send the payment?"). How long will my Payees stay on Online Bill Pay? Your Payee information will stay in your Scheduled Payments for at least one year after the last payment was sent. Once you set up a Payee, you can use that information to make more payments by editing the payment instructions. I have a joint account. Can we both use Bill Payment? All owners on a joint account will have access to Online Bill Pay and will need to read the Agreement and submit an application. Owners of an account will need to sign on to Internet Banking with their own Password and Access ID. How does Bill Payment work with the automatic debit payments (ACH) I already have paid from my checking account? Automatic debits between your accounts or from your account to someone outside of the bank are the most cost effective and efficient way to transfer your money. There is no charge for using ACH (Automatic Clearing House) to automatically make payments to the utility or telephone company, for example. If automatic withdrawal from your checking account is available from your service provider to pay your bill, you should choose that method before Bill Payment. How much does the Online Bill Pay service cost? There is no charge for Online Bill Pay. When do my Online Bill Pay transactions appear on Internet Banking? You will see your payments scheduled to be paid as soon as you complete the "Setup New Payment". The funds are taken out of your account on the date you requested the payment be initiated. You can expect your Payee, or recipient of the funds, to receive your payment approximately five (5) business days later. How do I cancel an Online Bill Payment? You may edit the amount, date, frequency, description,
and account number by clicking on the name of the Payee on any pending
payment. How much notice does the bank need to send the payment? You may set up a payment request up to one year in advance of the date you would like the bank to begin initiating the payment. However, please allow at least five (5) business days before the due date for payments to be made. Using a calendar, note your payment due date (not including any grace period); count backward at least five (5) business days (skip holidays and weekends). The cut-off time for the business day is 6:00 p.m. C.S.T. so if you're setting the payment up after this time you will need to add one extra day. After you initiate your payment instructions, the bank will begin processing the payment on the next business day. The funds will be withdrawn from your account and the transfer process will begin. Because most vendors will need to have a check mailed to them, you can expect your Payee to receive your funds by the fifth business day after you initiated the payment. Some vendors take longer to process payments that do not use the return envelope or remittance stub they provided with their bill. In these situations you will need to initiate your payment earlier to ensure a timely payment. These Payees may require an extra seven (7) business days or more to process these payments. We suggest you read your account agreements provided by your vendors or contact them for details to determine your payment initiation date. What happens if I don't have enough money in my account for a payment I've set up? The available balance in your checking account will automatically be checked before a payment is sent. The payment will not be sent until there is enough money in your account. If there is not enough money in the account for the payment, your account will be checked for the following two (2) business days to determine if there sufficient funds to complete the payment. To ensure your payment does not arrive late, it is important that the funds be available on the Payment Date. The only record of whether your payment was sent as scheduled will be your current account statement. You are responsible for verifying the payment was completed as instructed. For more information, refer to your Online Bill Pay Agreement. How does Online Bill Pay work? You can set up a payment to anyone, any business, or any not-for-profit organization within the United States (except tax payments and court ordered payments) using Online Bill Pay. The chart below describes the Bill Payment process.
What is an E-Statement? How do I begin
getting E-Statements? Is
it secure when I transmit my account number from the enrollment
form? What
if I have a joint account with my spouse/other? Can I still sign
up?
How
do E-Statements compare with my Previous Statement? Can I print
a copy? How
long will I be able to see this month's E-Statement? Can
I go back to see last month's statement after I get this month's?
When
I click on Documents, and then Account Statement, I receive the
message "No Documents Are Currently Available For Viewing".
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