Frequently Asked Questions

Banking

Q: Are my deposit accounts FDIC insured?

A: Yes! Each individual customer's account is insured by the FDIC up to $100,000 per account. (Note: Currently each individual customer's account is insured by the FDIC up to $250,000 per account through December 31, 2013.)

Q: How do I set up Direct Deposit of my payroll check?

A: After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q: How do I set up Direct Deposit of my Social Security check?

A: After your checking application has been approved, you will receive our routing and transit number and your account number.

Q: Can I get information about my account by phone?

A: Yes! Account information is available 24 hours a day by calling our automated system, First Connection.

Q: What products can I apply for online?

A: We have a variety of business and personal accounts. Check out the Personal Banking and Business Banking tabs to see which accounts you can apply for online.

Q: Is interest paid on my checking account?

A: Yes! We have several accounts that pay interest. Check out the Personal Banking and Business Banking tabs to see which account is right for you.

Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?

A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q: Can I do all of my banking with you?

A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Q: Can I look at all of my transactions at any time?

A: Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?

A: Your account information is updated every business day with new transactions that posted to your account the previous day.

Q: Are wire transfers possible to and from my checking account?

A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?

A: You can do most of your banking by using direct deposit, ATMs, or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Q: When do I have access to use online banking?

A: With online banking, you have access to your account information 24 hours a day, 7 days a week!

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Online Banking

Q: What is online banking?

A: Online banking is a tool that allows you to use a personal computer with an internet connection to conduct your banking online.

Q: What can I do with online banking?

A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the online banking demo to see all the features of online banking and how you can personalize your online banking experience.

Q: Is any of my personal information stored in the online banking product?

A: Yes, the online banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.

Q: How current is my banking information?

A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q: What accounts will I be able to access through online banking?

A: You can access your checking, savings, investment and loan accounts from the online banking service. Our online banking Product is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?

A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way?

A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?

A: Online banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.

Q: Can I schedule future transfers?

A: Not at this time. But in the future, you will be able to schedule open, future and recurring transfers.

Q: When can I use online banking services?

A: With online banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How many stocks can I track in my online portfolio?

A: Your online portfolio will track up to 20 stocks.

Q: Is there a demo available for me to try?

A: Yes, we have an online banking Demonstration Site that is part of the Home Banking package.

Q: How long can I be inactive before being logged out of the online banking product?

A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.

Q: What is required to use the online banking service?

A: All you need to use online banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.

Q: How do I access online banking?

A: You must first complete the online banking registration form and submit it to us. Once your registration is received we will process your request. You must have an existing checking, savings or loan account before banking online.

Q: Can I create my own password that is easy for me to remember?

A: Yes, after you use your chosen password to log-in for the first time, you can go to User Options and change your password.

Q: What happens if I forget or lose my password?

A: Just call us and we will take you through the steps needed to get back into the system immediately!

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Bill Pay

Q: Q: How does bill payment work? 


A: To help you understand the process, we have provided a diagram.

Q: Is it possible to schedule recurring payments?

A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for electronic bill payment?

A: Bill Payment registration is easy!

The first time you attempt to access the bill payment section of online banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded to us for review. We are responsible for checking the information on the form and for assigning you a payment plan. The registration information is then transmitted to M&I Data Services for their approval process. After the application is approved by M&I, they send an acceptance 'welcome letter' to you via email. You should receive the welcome letter within 1-3 business days.

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?

A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I receive an annual summary of my bill payments sorted by category or payee?

A: Not at this time.

Q: Can I use electronic bill payment with all my accounts?

A: No, only checking accounts can be used for bill payment purposes.

Q: When can I start using electronic bill payment?

A: You can begin bill payment once you have received both your Account ID and your Personal Security Code. These items are required for the initial bill payment logon screen.

Q: When is bill payment available?

A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as online banking transactions?


A: All bill payment transactions become part of the online banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?

A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?

A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Is there a limit to the number of bill payment accounts I can set-up?

A: Yes, you are limited to one bill payment account.

Q: Who can be paid using the bill payment system?

A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone—charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?

A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?

A: Each bill payment is debited separately.

Q: What if I do not have sufficient funds on the day M&I Data Services, our bill payment providers, debits my account?

A: Following is a summary of M&I Data Service's Insufficient Funds procedure:

A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution.

Upon the first return, M&I Data Services will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.

M&I Data Services will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.

Q: Are all debits and credits sent out at the same time?

A: Yes, they are all sent out at the same time.

Q: How is my account debited?

A: Your account is debited via ACH.

Q: What is ACH?

A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches that indicated on the payment coupon, and M&I routes the payment incorrectly, then M&I data services will take responsibility for the late fee.

Q: How do I place a 'stop payment' on a bill payment?

A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

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