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Frequently Asked
Questions
OPENING A NEW ACCOUNT
Q: How do I apply for a PC Banking account?
A: There are two ways to enroll for PC Banking. One way to enroll, is to
visit First State Bank and complete a paper application in person. Another way
to enroll, is to visit your bank’s web site, click on the PC Banking or Online
Banking Button and complete the form online.
You will be notified as soon as the enrollment process is complete and the PC
Banking system is available for you to use.
SECURITY
Q: How safe is my account information with PC Banking?
A: PC Banking uses the latest and most innovative security technology
available today. Using Windows NT and SQL ( a powerful, relational database
language), cryptography, firewalls, digital certification and authentication,
are all utilized to make sure that all of your online transactions are secure
and authentic.
Q: How can I make sure I am following the proper security measures on my
own PC?
A: All transactions are encrypted for security, and the PC Banking system
is as secure as using an ATM. There are, however, a few steps you can take to
ensure your account information is secure.
- Never leave your PC Banking system user name
and password where another person can find them.
- Always use the Exit option on the Main Menu to
leave the PC Banking system when you’re done. If you just close your browser,
or move to another web page, you could be leaving your connection to the
system open. This could allow another person to access your accounts if you
step away from your machine.
Q: How does PC Banking work?
A: You first access the internet via your Internet Service Provider or
ISP. Once you’ve gained online access you then can connect to First State Bank’s
web site. Then click on the PC Banking button or link within the Bank’s web
site. This takes you through a series of firewalls and secure connections, which
link you to the PC Banking server. This server houses the software you see when
accessing your account information.
As updates are made to First State Bank’s database and account information is
updated, data is then sent from the Bank to the secure PC Banking server and
made available for you to view.
ONLINE ACCOUNT ACCESS
Q: How do I access my account for the first time?
A: Take the welcome letter you received from First State Bank and enter
the user ID and password assigned to you. The first time you log in, you will be
asked to change the password to one that is more familiar to you. It'’ a good
idea to change your password regularly.
- Select a password that has some meaning to
you, but that would be difficult for others to guess. Please do not use your
Social Security Number, phone number, address, birthdate/ family member’s
birthdate, or anniversary.
- Use at least six characters, although eight is
better.
- Avoid using single words or names.
- Try to include non-alphabetic characters, such
as punctuation marks or brackets, in your password.
Q: How do I get my account information?
A: There are two ways you can view account information: as a summary of
all your accounts, showing the current balances, or more detailed account
information for a specific account.
Once you are logged in to the PC Banking system, you will see the Account
Summary screen. The Account Summary screen is the system’s “home” page. When you
are done with an activity, you should return to this page to view the results of
each transaction. The Account Summary page lists all your accounts, with high
level information about each. The nature of this information depends on the type
of account. Click on an account name to get more detailed information about that
account.
Q: How do I place an order for more checks?
A: Personal check reordering is available online within PC Banking. You
can now order checks 24 hours a day, 7 days a week. Simply click on ‘Account
Services’ in the top navigation bar. Then click on ‘Reorder Checks’. It’s as
easy as that. You can choose from re-ordering your existing checks by entering
in the account, starting check number and number of boxes you’d like. You can
also browse thorough new check designs and order brand new checks from First
State Bank’s check vendor. All online!
You can visit First State Bank, or call us and place an order.
Q: Can I change the name of my account numbers to make them more
recognizable and easier to remember?
A: Yes, the Change Account Alias page allows you to change the alias that
you use to disguise the full account number of your accounts, as they display in
PC Banking. It displays a list of all your accounts (Demand Deposit, Savings,
Money Market, and/or Loan) by their account numbers, with a field where you can
enter a nickname for the account, such as Household Checking or Pam’s Loan. To
Change an account alias, do the following:
- Select ‘Customer information’ from the main
navigation bar and then select ‘Change Account Alias’ from the option list
shown to the right of the page title.
- In the field beside an account’s alias you
want to change, enter the new alias.
- If there are other accounts whose alias you
wish to change, do the same as described above.
- When you are finished, click on the ‘Make the
Change’ button. This makes your new information effective.
Q: Can I pay a loan through PC Banking?
A: Yes, on the Pay Loans screen, you can simply make a loan payment or a
loan principal payment by transferring funds from your Demand Deposit, Savings
or Money Market account to your loan account. You can make a one-time payment, a
future-dated payment, or scheduled recurring payment. To make a loan payment,
click on the “Transfers and Payments” button on the main navigation bar and then
click on the “Pay Loans” link on the option list in the right corner of the
page.
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