Needless to say, the Internet has changed how we handle our daily lives, saving us time and giving us more control over our decisions. Now, with online banking, tasks that used to take hours—like trips to the bank, waiting in line, reconciling accounts, filing paper documents, and paying bills—are completed digitally from anywhere your computer or mobile device can connect to the Internet. Personal banking has never been more convenient, and managing finances has never been easier.

Online Banking provides a full range of banking services and resources in a secure environment and is available, free of charge, to all checking customers

Online Banking Services

Through a secure, single-sign-in portal, bank customers have 24/7 access to all of their banking needs with the ability to see their accounts in real-time.

With Online Banking you can:

• Monitor your account activity - Through your online accounts you can check account balances, verify withdrawals, deposits and payments. You can also view and manage credit card and loan accounts.
• Manage your personal finances - Create a personalized budget and track your spending in various categories.
• Transfer funds between accounts
• Transfer funds to anyone using their email address or mobile phone number (small fee applies).
• Order checks and services
• Switch to paperless statements - Automatic email notifications will tell you when your statements are available online.
• View and print front and back images of checks that have been posted to your account.

Online Bill Pay

Online Bill Pay is quicker, easier, and safer than writing and mailing checks. Any individual or business you would otherwise pay by check can be paid with Bill Pay.

• Make one-time payments or schedule recurring payments from any of your bank accounts.
• Receive email reminders of upcoming payments and confirmations of payment.
• Receive, view, and pay your bills entirely online. Have your bills sent directly to your online account.

Bill Pay is typically free of charge for customers with an eligible checking account or who maintain a minimum daily balance.

Account alert services

A variety of alert options are available through Online Banking. Sent by e-mail or text message, you can receive notifications about your account balance or specific transactions. Use balance alerts to prevent bounced checks and overdraft fees. Just make sure to set up the alert to notify you before your balance reaches the minimum requirement. Use transaction alerts to watch for fraud. Unexpected or large withdrawals can alert you to theft. Setting up alerts is easy and can save you from big problems later.

Recurring Transfers

Many people use the transfer feature of Online Banking to move money between accounts, such as to avoid overdrafts, but fewer take advantage of the recurring transfers feature. This feature is especially helpful for saving.

Everyone knows that saving money can be difficult. Experts encourage people to save in a way that is automatic because it increases the likelihood of meeting your savings goals. Recurring transfers can be set up through Online Banking to create automatic savings.

Report & Management Tools

One of the bigger advantages of Online Banking over traditional banking is the ability to generate on-demand reports. In addition to retrieving online statements, you can create reports around different activities and even set them up around spending categories for managing your budget.

Desktop Software Integration

If you use Quicken or some other money management software program, you may be able to link it to your bank account, making your money management even easier. The software program can download your bank account information to provide real-time data for your program functions.

Special Offers

Lastly, don’t overlook the advertising within Online Banking. Your bank aims to inform you about the latest products, the best loan rates, and more. While ads might seem self-serving, your bank invests in offerings they believe will benefit you. Pay attention to these offers, and you could enjoy the advantages.

All of these Online Banking features are readily available through most banks. Be sure to check out your bank’s Online Banking site for information on other features as well.

Online Banking Security

Banks Online Banking platforms are supported with the most advanced encryption (SSL) technology and password protection to ensure your information is secure. They employ an intricate system of multi-layer firewalls to protect their internal systems, and they adhere to the strictest standards in monitoring all activity to ensure their customers’ account information is secure.