Online Banking FAQs
Online Banking
- What is Net.Access24 Internet Banking?
- Net.Access24 Internet Banking allows our customers a secure and convenient access to their accounts using the Internet anytime of the day, any day of the year. Some of the functions available with Net.Access24 Internet Banking are:
- Access and print information on all accounts including loans.
- Review and print transactions and statements.
- Confirm deposits, withdrawals and checks cleared.
- Transfer funds between accounts and make loan payments.
- Download transactions to the leading financial management programs.
- Automatic Bill Paying.
- What do I need to access Net.Access24 Internet Banking?
- You will need:
- A connection to the Internet.
- A Web Browser - Because we use the latest encoding technology to ensure that your private information cannot be intercepted, you will need the latest version of Netscape Navigator or Microsoft Explorer. You may contact either of these vendors for a free current copy of their browser. Net.Access24 Internet Banking works on any operating system that supports the browsers listed above including, but not limited to, Windows 9x, Windows 2000, Windows XP and Mac.
- A Farmers Bank & Trust Checking Account.
- An assigned Net.Access24 User ID and PIN.
- Do I have to register to use Net.Access24 Internet Banking?
- Yes, a one-time application is required to sign up for Net.Access24 Internet Banking. Once this form has been completed with account information, we will issue a Bank ID number and a PIN (personal identification number). Upon your first visit to the Net.Access24 Internet Banking site you will be asked to select a PIN of your choice and that PIN will be used whenever you access Net.Access24 Internet Banking.
- What happens the first time I logon to Net.Access24?
- The first time you logon, you will be prompted to change your personal identification number (PIN) to one of your choice. Your new PIN can be 4 - 6 characters in length and may contain letters, numbers or a combination of both.
- My Net.Access24 ID is a twelve-digit number. Do I have to put that number in each time I logon?
- No. You must use the twelve-digit number the first time you logon. After that you may create an "alias" for yourself. To do this, select "Change Personal ID (Alias) from the "Management" menu (found under the Home Bank Menu).
- How do I use Net.Access24 Internet Banking?
- After you enter your Bank ID and PIN number on the first screen of Net.Access24 Internet Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in and press the "submit" button. Any additional pages will have actions buttons on them that lead you through your transaction. (For more detailed information, please visit the Net.Access24 Internet Banking Demo)
- What if not all my accounts appear on my account list?
- You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call us to have it added.
- How current is the information about my accounts?
- Account transactions and balances are real-time and will change during the day as you carry out Internet transactions. There may be delays from time to time because of processing or system issues, which we cannot control.
- What happens if I open a new account after I am already signed up for Net.Access24 Internet Banking?
- Any account can be added to your Net.Access24 Internet Banking Account as long as you are a sole or joint owner of the account to be added to your profile. Your New Accounts Representative should have added your new account at the time of opening. If you find that the account does not appear on your Net.Access24 account listing, stop by one of our locations or call us and upon proper identification, we will add the account to your Net.Access24 service. Your new account will be available within two business days.
- Can I change my User ID and PIN?
- Yes, you can change your User ID and PIN as often as you want. Simply click on "Account Management" and follow the simple instructions. The User ID cannot begin with a number but may include a number. The PIN can be any four (4) characters, alpha or numeric.
- What if I enter the wrong User ID or PIN?
- For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system. If you are locked-out, simply contact Account Services (Magnolia (870) 235-7080, Camden (870) 836-5701) and we will reset your User ID and PIN.
- What if I forget my PIN?
- We do not have access to your PIN once it has been changed. However, we can reset your PIN back to your initial PIN and you can then reset your own preferred PIN. Just call Account Services (Magnolia (870) 235-7080, Camden (870) 836-5701, Arkla (870) 859-3625) and with proper verification, your ID or a temporary PIN will be given to you.
- What can I do to protect my account and personal information while I'm banking online?
- Memorize your password
Your Net.Access24 ID and PIN verifies you when you begin an online banking session with Farmers Bank and Trust.- Do NOT use the save password option on your computer
- Do NOT write down your password or reveal it to anyone.
- Change your password regularly
It's important to periodically change your password. - Remember to sign-off
You may not always be at your own computer when you bank online. Therefore, it's important to log-off when you're finished banking or leave the room for a few minutes while in an open banking session. For your protection, Net.Access24 automatically logs you off after 10 minutes of inactivity.
- Memorize your password
- How much history can I see Online?
- You will be able to access three months of history. The history file will begin to build from the date that you sign up for Online Banking.
- Is Net.Access24 safe?
- Yes. You can rest assured that your account information is safe. The Net.Access24 system utilizes the most advanced encryption and authentication features available and allows you the flexibility to customize your individual employees' access and dollar limits. An automatic time out feature logs you out after ten consecutive minutes of inactivity.
- Which browsers are compatible with Net.Access24?
- Internet Explorer and Netscape. Net.Access24 requires that your browser support 128-bit encryption.
- What type of security do you offer?
- Our Internet Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, you're information is always safe - it's like having a bank vault online.
- What is encryption and how does it work?
- Encryption turns meaningful works and phrases into coded language. Everything that you do during your Internet Banking session becomes a string of unrecognizable numbers before entering the Internet. Your account information will read as gibberish to everyone but you and our financial institution. Your Internet Banking sessions will all be encrypted.
- What is 128-bit encryption?
- A 128-bit encryption means there are 2128 possible keys that could fit into the lock that holds your account information, but only one that works for each Internet Banking sessions.
- What does SSL mean?
- SSL stands for "Secure Socket Layer." SSL technology allows users to establish sessions with secure Internet sites - meaning they have minimal risk of external violation. Our use of SSL keeps your account information and you secure once inside our Internet Banking site.
- What types of security measures are taken to prevent sensitive information from being intercepted online?
- From the moment account information leaves your computer to the time it enters the Internet Banking system we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.
- You must enter your password, and we must verify it before you are allowed to access your accounts.
- Only browsers supporting the SSL security system can be used to log on to our system.
- Once online, we make sure only you can view any information about your accounts.
- SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
- SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.
- What can I do to protect my account information while I'm online?
- We take numerous steps to keep your account information secure. However, you must take precautions as well.
- Choose a good password - Your online password, along with your access ID, authenticate you when you begin an Internet Banking session. You should carefully select a password that is hard to guess.
- Keep your password safe - Even the best password is worthless if it's written on a note attached to something. Memorize your password and never tell it to anyone. We do not need your password to help you, so we will never ask for it.
- Change your password regularly
- Remember to sign-off properly - You may not always be at your own computer when you bank online. Therefore, it's important to sign off when your finished banking.
- Can I access my accounts from more than one location? Can I use it at home and at my office or when I am traveling?
- Yes. You may login as long as you have an Internet connection and a secure browser.
- Can I transfer funds between my Farmers Bank & Trust accounts and make my loan payments online?
- Yes. You can transfer funds between checking, savings, CDs, and loan accounts.
- How soon will I see transactions in my Net.Access24 Business account?
- Net.Access24 is online and real-time. Any electronic transaction that occurs on your account, such as an ACH debit or credit, is available immediately.
- What is meant by "alias" names for my accounts?
- Account Alias Names simply allow you to personalize or rename your accounts as they appear on the Net.Access24 Internet Banking screens. You can use up to 20 characters (do not use punctuation, but spaces can be used) to identify your accounts when using the Account Alias Name feature on the Management Menu of our Net.Access24 Internet Banking Product.
- I created an alias for my Net.Access24 ID number, but can't remember it. How do I get into the system?
- Simply use the original Net.Access24 ID (12 digit) number that was assigned to you when you opened your Net.Access24 account. Once you are logged on you can create a new alias.
- How many statements can I see online?
- You will be able to access and print your most recent statement. If you would like to review up to 90 days of history, use the "Previous Statement" option.
- Can I download my account information to my financial management software?
- Yes, you can download account information to Quicken, Microsoft Money or a spreadsheet program such as Excel or Lotus. The information may also be saved as text and exported to your favorite word processing software.
When downloading account information, save the information to a designated file folder on your computer, or specify the destination required for Quicken or Microsoft Money. To retrieve the saved account information, please follow the instructions on your software application (Quicken, Microsoft Money, etc). - The system has stopped accepting my commands and the login screen appeared.
- The system may have been idle for 10 minutes or longer. For security purposes, the system is set with a default feature for a 10-minute time-out. If the system is not used for 10 minutes, the user will be inactive and will have to log in again.
- How late in the evening can I make transfers?
- The transfer cut-off time is 4:00 p.m., CST on business days for the same day posting. Business days are Monday through Friday, and do not include holidays or bank declared holidays. You can make transfers after 4:00 p.m. for posting on the next business day.
- What if I get an error message?
- If you get an error message please make a note of the message, the error number, and the time. Then simply call the bank and we will make every effort to resolve the issue as soon as possible.
Bill Payment
- Is there a charge for the Online Bill Payment Service?
- No, Online Bill Payment is completely free. However, the following charges will be assessed if applicable:
Insufficient Funds $25.00 Stop Payment $25.00 Additional New Bill Pay Kits $1.00 Canceled Check Copy $2.50
These fees are a separate charge from the bank's service charges, and will be assessed against your checking account. - Whom can I pay through Online Bill Payment?
- You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.
- Are there any merchants that I cannot pay through the bill payment service?
- Yes. You cannot pay any government agency such as the I.R.S.
- When will the money be taken out of my account?
- The money will be withdrawn out of your account as soon as the same day of the payment date you have set and no later than two business days after the payment date you have set.
- How far in advance should I set up a payment to insure it is paid on time?
- Check payments should be scheduled 10 business days in advance of when you want the payment to actually be posted at the payee. Electronic payments should be made 4 business days in advance of when you want the payment to be posted at the payee.
- How late in the day can I enter, edit, or delete a payment?
- You may add, edit, or delete payments scheduled Sunday through Friday up until 4:00 p.m. CST the day before the scheduled payment date you set.
- What happens if I have a scheduled payment that falls over a weekend or holiday?
- Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on Sunday night. Holiday processing is done the following day after the holiday.
- What if I do not have enough money in my account?
- Your bank will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.
- Can I get a copy of a cancelled check?
- You can request a copy through Bill Pay Customer Service at 1-800-825-4321. There is a $2.50 fee associated with this request.
- How long is history retained in the VIEW PAYMENT HISTORY section?
- Payment History records are kept for one year.
- What happens if I lose or forget my ID or PIN?
- If you lose/forget your ID or Pin, you may call Bill Pay Customer Service at 1-800-825-4321 and with proper verification, your ID or a temporary Pin will be given to you.
- Is there any minimum and maximum payment amounts?
- Yes. The minimum amount you may make a payment for is $0.01. The maximum amount is $9,999.99.
- Can I have multiple payments to the same payee on the same day?
- You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
- What does the "status" field indicate on the PAYMENT HISTORY PAGE?
- Payment Pending - The payment has been processed, but not yet sent.
Payment Processed - The payment has been processed and sent.
Hold - A research request has been made on the payment, and it has not been processed.
Stopped - You have requested the payment to be stopped. It cannot be processed again. - How many payees may I have set up?
- There is no limit for setting up payees.
- Can I edit vendor addresses?
- No. You will have to set up a new vendor with the correct address and delete the old one. But, deleting the old payee will remove the history of that payee. You can leave the old payee listed to retain your history of that payee.
- How do I know if a merchant is electronic or check?
- Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.
- Will the memo field that I fill out when setting up a payment be passed on to the merchant?
- No. The memo field is for your personal records; however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.
- What type of security do you offer?
- Our Internet Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, you're information is always safe - it's like having a bank vault online.
- What is encryption and how does it work?
- Encryption turns meaningful works and phrases into coded language. Everything that you do during your Internet Banking session becomes a string of unrecognizable numbers before entering the Internet. Your account information will read as gibberish to everyone but you and our financial institution. Your Internet Banking sessions will all be encrypted.
- What does SSL mean?
- SSL stands for "Secure Socket Layer." SSL technology allows users to establish sessions with secure Internet sites - meaning they have minimal risk of external violation. Our use of SSL keeps your account information and you secure once inside our Internet Banking site.
- What types of security measures are taken to prevent sensitive information from being intercepted online?
- From the moment account information leaves your computer to the time it enters the Internet Banking system we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.
- You must enter your password, and we must verify it before you are allowed to access your accounts.
- Only browsers supporting the SSL security system can be used to log on to our system.
- SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
- SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.
- How do I cancel or close my Bill Payment Account?
- Send a signed written request to the address below requesting that your Bill Payment Account be closed.
Farmers Bank & Trust
Attention: Account Services
P.O. Box 250
Magnolia, AR 71754
