FAQ – Online Banking

FAQ – Online Banking

Online Banking

Can I access my account information through online banking at any time of the day?

Once you have signed up for online banking, you can access your account information any time, day or night, wherever you have an Internet connection.

Can I change my password?

You can change your password at any time. After you Log On, select Options from the menu. You will prompted to enter your old password and select a new password. The new password will be required the next time you log on. Please memorize your new password or save it in a safe place. Your new online banking password will not affect your password for telephone banking. Bank recommends that you change your password periodically. To keep your information secure, you should not reveal your password to anyone, including Bank employees. If you feel your password has been compromised, you should change it immediately and contact us.

Can I contact a Customer Service Representative about online banking?

Yes, simply click contact us. Online Customer Service can be reached at (903) 843-4130. Our representatives are available to help you Monday through Friday from 8:30 a.m. to 3:00 p.m. All times are Central time.

Can I use my online banking access ID and password for telephone banking?

The access ID and password that you select for online banking is set up to protect your information on the Internet. You cannot use your online banking password to access telephone banking. You can continue to access these services with the password you have been using all along.

Does online banking work with all browsers?

Because of the high security standard imposed online banking may not work with all browsers. The Bank requires that your browser support 128-bit encryption in order to access the online banking system. Of the browsers that offer 128-bit encryption, the following browsers are those approved for use with online banking:

For Windows 95, Windows 98, and Windows NT 4.0:
Netscape Communicator 4.5 or higher with 128-bit encryption
Microsoft Internet Explorer 4.0 or higher with 128-bit encryption

For Macintosh ®:
Netscape Communicator® 4.5 or higher with 128-bit encryption
Microsoft Internet Explorer® 4.0 or higher with 128-bit encryption

Netscape Comunicator and Netscape Navigator are trademarks of Netscape Communications Corporation in the United States and/or other countries. Microsoft and Windows are either trademarks or registered trademarks of Microsoft Corporation in the United States and/or other countries. Macintosh is a registered trademark of the Apple Corporation.

If you do not have one of these browsers, we strongly recommend that you upgrade your browser.

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How can I contact the Bank?

You can contact the Bank in a number of ways by selecting contact us.

How do I access my account information online?

For security purposes, online banking requires you to enter three access codes: your access ID and password, and a multifactor challenge question. You will be asked for three Questions/Answers during the enrollment process. You will be prompted for one of these questions if you change computers, or if you sign on to a public computer.

How do I add my other accounts to the online banking access?

If you have additional eligible personal accounts that do not show when you access online banking contact us.

How do I know I have the right browser?

We’ll tell you if you do not have the right browser when you begin to Sign Up or Log On to our online banking system. If you are able to access online banking, you have the right browser.

How does my password work?

The password you select for online banking is alphanumeric and is case sensitive. Your password is a minimum of six characters and a maximum of 15 characters and must contain at least one number and at least one lower case character. Special characters and blank spaces are not allowed.

How else can I simplify my banking?

With Direct Deposit and the VISA Check card offered by all our banks! With Direct Deposit, your funds are deposited without you ever having to go to the bank. At all of our banking locations VISA Check card takes your ATM card to the next level, giving you full ATM access and allowing you to make purchases wherever VISA is accepted. No more having to write a check. It’s simple, fast and convenient.

How long does it take before I can use online banking?

If you have an eligible First National Bank, Security State Bank, Wood County National Bank, or Texas American Bank personal account, you can Sign Up Now for online banking. You will be able to access many of your accounts immediately.

How long does it take to sign up?

Signing up for online banking is easy and only takes 2-3 minutes for you to have immediate access to information for many of your accounts.

I am having trouble logging on with my access ID and password. What do I do?

If you forget your access ID or password when trying to log on or are having other difficulties, contact us. Our customer Service Representative will verify that you are the owner of your accounts and assist you with gaining access to online banking. Please call us when you are having trouble accessing your account. To protect our customers information, we are not allowed to reset passwords through email. Please call 844/4MY-BANK during business hours for assistance.

I forgot my password. What do I do?

If you can’t remember your password and want to use online banking, please contact us.

I want to be able to easily return to the Bank’s website. How do I add this site to my “bookmarks”?

Adding the Bank site to your bookmark list is easy. In Netscape, click on the menu item “Bookmarks” and then choose the option “Add Bookmark.” No confirmation is necessary. The Bank page should now appear in your Bookmarks list. In Internet Explorer, the process is similar to Netscape. Click on the menu item “Favorites.” Choose the option “Add to Favorites” and then click “OK” in the confirmation box. The Bank page should now appear in your list of Favorites. Most versions of America Online support the “Favorite Places” option. While you are on the page you wish to bookmark, look for a red heart icon in the top right area of the title bar of the AOL browser. Click on the red heart icon. You can confirm that the site was added to your list of Favorite Places by clicking on the red heart icon on the AOL toolbar at the top. The Bank site should be listed as a Favorite Places option.

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Is there a charge for using Internet Banking?

No, the Service is free. Just another way we’re working to make banking more convenient for you.

My online banking looks different than it used to. Why is that?

We updated our site to provide a modern look and feel for our customers.

What are cookies and how are they used for online banking?

A cookie is information sent from a web site to a visitor’s computer while he or she is visiting the site. Our online banking system requires that your browser accept per-session cookies. Per-session cookies are frequently used by Active Server Pages (ASP) running on Microsoft Internet Information Server (IIS). These cookies store session information as the user navigates to multiple ASP pages in a Website. In fact, virtually any Website using ASPs requires session cookies. If sites didn’t use session cookies, a “session” could not exist. The net result would be that a user would have to “log in” on every page (i.e. enter user code and password on every page).

Per-session cookies are cached (in memory) only while you are visiting the online banking system. They are deleted from the cache when you close the browser. These cookies only contain information that identifies a session that has been established by the online banking system. The session cookie does not contain any customer information. Again, these cookies are removed from your computer when you log off or have not accessed your account information after a period of inactivity (usually 10 minutes). If your browser does not accept cookies, refer to your browser manual or help text to assist you in changing the settings on your browser.

What do I need to sign up for online banking?

You may access online banking any time day or night through our Web Sites, on the Online Banking page. There is no need to install software, download programs, maintain or upgrade any applications. It’s easy to use and takes full advantage of the online security. To sign up, you will need the following: access to the Internet (before you begin to sign up for online banking) and a supported web browser. For more information on encryption and browsers please check our Security and Browser FAQ’s.

What is JavaScript and how is it used for Online Banking?

JavaScript is a programming language the Bank uses to edit and perform other functions within your browser rather than waiting for information to be sent to a Bank server to process. Our online banking uses JavaScript to edit some of the information that you enter so that we can be sure it is correct before processing it. We also use JavaScript to present information on your browser to assist you in obtaining more information about features and in navigating through the online banking system. If your browser does not have scripting enabled, refer to your browser manual or help text to assist you in changing the settings on your browser.

If you are attempting to log on from work, please note that not all businesses make their computer systems available to employees to perform private functions. Please check with your employer to determine whether such access is permitted from your workplace. Also, some corporate networks may not allow the use of cookies or JavaScript, which are required for online banking access. You will need to contact the System Administrator or help desk that supports your computer for assistance.

What is online banking?

Online banking is an Internet Banking service that can save you time and money.

  • Want to transfer money to your checking account?
  • Need to verify an account balance?
  • Wondering if your direct deposit has posted yet?
  • Want to get your bank statement online?
  • Want to pay bills online?

Save yourself a trip to the bank – the answers are available at your fingertips! With online banking all of this information, and more, is available each time you log on. Online banking provides you with a secure connection to your bank, giving you access to all of your accounts 24 hours a day, 7 days a week (with the exception of scheduled maintenance hours) from any PC with an Internet connection.

When do I use the “Back” and “Forward” buttons?

The “Back” and “Forward” buttons found on most browsers are a quick and easy way to re-visit pages you’ve already viewed during your current Internet session. Your browser “remembers” where you have been during your current session and tries to keep that information ready to access again. Selecting “Back” allows you to go back one page at a time to view the pages you’ve already seen during your current session. Once you have moved back in your current session, selecting “Forward” allows you to advance ahead one page at a time to the page you were viewing when you started to go back.

When do I use the “Reload” or “Refresh” buttons?

Because the Internet is vast, your connection might actually be passing through a number of points before reaching us. Occasionally, your connection could be slowed. Clicking “Reload” or “Refresh” will open a new connection, which could improve your speed. You can also use the “Reload” or “Refresh” button if you believe the page you are requesting is incomplete.

When I attempt to sign on to online banking, I receive an error message informing me that my password is incorrect. What should I do?

The password is case sensitive. Make sure that you are typing your password as you did when it was created, making sure to include any lower case or upper case letters. Make sure you are using the correct password and try again. If you can’t remember your password and want to use online banking, please contact us.

When I leave my computer alone for a few minutes, Online Banking makes me log in again. Why?

This is done for your protection. It keeps people from going behind you and viewing your private information. It is also required by our examiners to protect our customers.

When I logon to Online Banking from a different computer, why do I have to answer my questions?

This is an added layer of protection to keep your private information private. Our goal is to make our site a safe and secure place for our customers.

Where do I find help in using Internet Banking?

After you are logged on to Internet Banking, use the Help button to answer questions concerning account detail, transactions, transfers, bill payments, etc.

Which browsers can I use to access Internet Banking?

Any browser, including versions of America Online 4.0 or higher (for Windows 95), Netscape Navigator 4.0 or higher, or Internet Explorer 4.x or higher with 128-bit encryption will allow you to access the Internet Banking site.

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Which types of accounts can I access using online banking?

You can review your linked personal checking, savings, certificates of deposit, IRAs, consumer loans and mortgage accounts for which you are an authorized signer. You can also use the Transaction function to review account transaction history. In addition, you can transfer funds between any of your linked accounts, and Bill Payment services are available through your personal checking accounts. You can also receive your bank statement through this means as well. If you have additional personal accounts that do not show when you access online banking contact us.

Why can’t I use the navigation buttons on my browser in Online Banking?

This is for your protection! Best practice guidelines suggest that the navigation buttons be deactivated in secure sites so that people will not use a computer after someone who has signed into a site like our Online Banking site.

Why do my transactions print wrong on the page?

On the transaction page, you will see a printer icon. Click on this to get printouts of your transactions. They look great!

Why it is important to select “Exit” when I finish using online banking or when I walk away from my computer?

JavaScript is a programming language the Bank uses to edit and perform other functions within your browser rather than waiting for information to be sent to a Bank server to process. Online banking uses JavaScript to edit some of the information that you enter so that we can be sure it is correct before processing it. We also use JavaScript to present information on your browser to assist you in obtaining more information about features and in navigating through online banking. If your browser does not have scripting enabled, refer to your browser manual or help text to assist you in changing the settings on your browser.

If you are attempting to log on from work, please note that not all businesses make their computer systems available to employees to perform private functions. Please check with your employer to determine whether such access is permitted from your workplace. Also, some corporate networks may not allow the use of cookies or JavaScript, which are required for online banking access. You will need to contact the System Administrator or help desk that supports your computer for assistance.

Why is it important to select “Exit” when I finish using Internet Banking or when I walk away from my computer?
Once you have logged on to our online banking system, you have begun an “active session.” If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM while your card is still in the machine. For your security, your online banking will automatically end your active session if there is no activity on your computer for about 10 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting “Exit.”