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A. Online Banking is very safe. We have firewalls in place and use encryption codes for all transactions to ensure safety and confidentiality. Q. Can other people see my account information? A. No. Your account information is just as secure as it is in a physical bank. We've taken every step possible to ensure that our online banking system meets the latest security standards and uses the most up-to-date encryption methods and software. It's safer to use Online Banking than it is to hand your credit card to a waiter. Q. What is encryption, and how does it make everything more secure? A. Encryption is when something is rewritten in code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key, which is made up of a certain number of bits. The effectiveness of encryption is in the number of bits. The higher the number of bits, the better the encryption is. Our Online Banking system uses the maximum encryption of 128 bits. ALL communication between you and the Online Banking system is encrypted using this 128-bit key. When you retrieve information from the Online Banking system, your computer decodes it so that you can view your information. When you send information to the system, your browser encrypts it using the same 128-bit key, and our system decodes it and processes it. Q. How do I know if I'm viewing a secure Web page? A. If you are currently using Microsoft Explorer, look for the padlock in the lower right of center; in the "open" position, the page is not secure. If it is in the "locked" position, the page is secure. If you are currently using Netscape Navigator, look in the Location window to see whether the page address is listed as "http" (not secure) or "https" (secure). Depending on the version of Navigator you are using, there also may be an unlocked padlock or broken key in the bottom left corner of the window to indicate a non-secure page, or a locked padlock or intact key to indicate a secure page.
A. Online Banking enables you to access your accounts electronically through a computer via the Internet. There is no charge for this service. Q. How soon will I be able to access my account information after I sign up for Online Banking? A. Once we receive your signed application, a letter will be sent to you with your User ID and PIN. You should receive this information within 3 to 4 business days after we receive your completed application. Q. What accounts can I access with Online Banking? A. Checking, Savings, Certificates of Deposit, IRAs, and Loans. Partnerships, LLCs, and corporations must be setup with their own individual eAccess ID. Q. What will I be able to do with Online Banking? A. View account balances, account history, past statements, transfer funds between accounts, request stop payments, and download information for more comprehensive financial management. Q. How current is the information displayed in Online Banking? A. The available balance for checking and savings accounts is "real-time" and will change throughout the day based on your activity. However, items that are in process of posting will not be reflected in your balance. Q. Will there be times when I will not be able to access my account? A. The system is available 7 days a week, 24 hours a day except during normal system maintenance periods. Q. Can I still write checks on accounts that I use in Online Banking? A. Yes! Q. Will I still receive monthly statements through the mail even though I can view my statement at any time? A. Yes, we will send monthly and/or quarterly statements to all of our customers. Q. How do I get help if I don't understand something on my account? A. If you have questions about your account or don't understand something, a call center representative will be available to assist you at 662-8802, between the hours of 8:00a.m. and 5:00p.m. (EST). Q. I use Online Banking at home and at work. Do I have to rename my accounts in both places? A. No. The account "nicknames" are not stored on your PCs, but on our Online Banking system. Therefore, they will remain the same no matter where you are. Q. What do I do if I forget my PIN? A. We do not have access to your PIN. However, we can reset your PIN to your original PIN. Just give us a call at 662-8802. Q. What if I put in the wrong PIN? A. Three invalid sign-on attempts will lock you out of the system. But, don't panic! If this happens, please contact us at 662-8802. Q. Can I change my User ID and PIN to something shorter and simpler? A. Yes. The User ID may be from 4 to 12 characters long, using letter or numbers. No spaces or special characters, such as # or /, are allowed. The first character must be a letter. We recommend that you select something that is easy for you to remember, but hard for anyone else (even people you know) to guess. Try to avoid significant names (spouse, children, nicknames, dogs, friends, even people and animals that have passed away) and numbers (birthdays, anniversaries, social security digits, "special" days) or any other easily guessed item. Q. I share a checking account with someone else. Do we both need to sign up for Online Banking? A. Yes. Each individual will be given a separate User ID and PIN. Q. Are there limits on the number of transfers I can make? A. The Online Banking system does not limit the number of transfers you can make. However, Federal Regulations limit the number of withdrawals and transfers on certain types of savings accounts and money market accounts. If you are unsure about the restrictions on your accounts, please contact us at 662-8802 or email us at support@firstreliance.com . Q. When are emails answered? A. Emails are received at the start of the next business day. We will respond within 24 hours of receipt either by email or phone. When sending email messages, please keep in mind that email isn't always secure. Therefore, when sending us an email message, don't include any sensitive information like account numbers, balances, or passwords. Q. Why do you ask for my Email address? A. This is a useful means for us to tell you about forthcoming releases of the program, changes to our services, or if we have scheduled interruptions to Online Banking for maintenance - that sort of thing. We will not give this confidential information to anyone else. Q. How do I get help if I'm having technical problems? A. If for some reason your information online doesn't appear to be correct or complete, please call 662-8802 between 8:00 a.m. and 5:00 p.m. (EST) and a support representative will be able to assist you. If you have a question about either your computer equipment or your Internet Service Provider, you'll need to contact their respective customer support lines. Q. I am behind a corporate firewall. Can I use Online Banking? A. Yes you can. Being browser-based means you can conduct your banking and it won't interfere with your company's firewall. However, if you experience any problems, you should contact your network or firewall administrator. They will have to telephone us at 662-8802 between 8:00 a.m. and 5:00 p.m. (EST) to make changes to your firewall that will allow your LAN to see our site. If you have any further questions or concerns feel free to contact us. |
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