Online Banking
Getting Started
What is Online Banking?
Online banking allows you conduct much of your banking via the internet. With Online Banking, you can:
- Check deposit and loan balances
- Transfer funds between accounts
- Make loan payments
- View a detailed history of your account transactions
- View current and previous monthly statements
Back to Top
Do I need special hardware or software to use Online Banking?
No. However, to ensure the security of your Online Banking and Bill Pay, a browser with 128-bit encryption is required.
Back to Top
Is there any cost to use Online Banking and Bill Pay?
No. Online Banking and Bill Pay are offered free. All other terms and conditions of your accounts continue to apply.
Back to Top
Do I need to change my computer settings?
Just be sure your computer is set to accept cookies.
Back to Top
What happens if I forget my Password?
You are allowed 3 attempts to enter the correct Password before your account will be locked. If you cannot remember your Password and/or you are locked out of the system, please call your local bank.
Back to Top
What types of accounts can I view with Online Banking?
With Online Banking you can view most of your checking and savings accounts, IRA accounts, certificate of deposit accounts as well as most loan accounts.
Back to Top
How often is account information updated?
Account transactions and balances are real-time and change as you carry out transactions. There may be periodic delays due to processing or system issues beyond our control. Online Banking transactions are processed and information updated only on business days.
Back to Top
Can an online account be a joint account?
You may use Online Banking to access joint accounts, however each Online Banking Customer must use his or her own Access ID and Password.
Back to Top
How many statements can I see online?
You can access and print the activity for your two most recent statement periods.
Back to Top
|
|
Bill Pay
Getting Started
How does Bill Pay work?
Payments are electronically transferred from your checking account to your payee's account through the Automated Clearing House (ACH) network. If the party to which you are making a payment is not setup for electronic transfer, a paper check is sent via US Mail.
Back to Top
Are there fees associated with Bill Pay?
No. The Bill Pay feature of Online Banking is FREE.
Back to Top
To whom can I make payments?
You can make payments or send money to any person or company in the United States.
Back to Top
Can I schedule recurring payments?
Yes. Payments may be one time or recurring.
Back to Top
How soon are funds actually taken out of my account?
Bill payments are debited from your designated account within 24 hours of the processing date.
Back to Top
What is the “processing date?”
It is the date you instructed us to deduct the funds from your account (to pay a bill or transfer to another account).
Back to Top
How far in advance should I set up a payment to insure it is paid on time?
Always allow at least 3 business days for electronic payments and at least 5 business days for payments made by check. Remember that weekends and federal reserve holidays are not counted as business days.
Back to Top
What happens if I have a scheduled payment that falls over a weekend or holiday?
All scheduled payments that fall on the weekend or a holiday will be processed the previous business day. You should allow at least 3 business days for electronic payments and at least 5 business days for payments made by check.
Back to Top
How can I ensure that my payee receives my payment by the due date?
You may contact them directly or check your next billing statement for verification of posting the payment.
Back to Top
What if I do not have enough money in my account?
If funds are not available on the requested processing date, your transfer or bill payment may be cancelled. If cancelled, it will be necessary to reschedule the payment (the bill pay system will only process the payment one time). If a recurring payment is cancelled, future payments on the recurring schedule will not be affected. However, you will need to reschedule the cancelled payment if you want it to be paid.
Back to Top
When is the last possible opportunity for me to change or cancel a scheduled bill payment?
You can change or stop a payment prior to the cut-off time on the processing date you originally scheduled. (To change the date on a recurring payment you must first stop the payment and then and reschedule it.)
Back to Top
How far in advance can I schedule payments?
Payments may be scheduled up to 90 days in advance of the first due date. Recurring payments can be scheduled to cease within one calendar year.
Back to Top
Who do I contact if my transfer or payment has not been posted?
Before any research can be done on a payment that has not posted, please allow a minimum of 10 business days for a check payment and a minimum of 5 business days for an electronic payment and transfer to reach your payee. Often it does not take this long, but this is the amount of time we allow the merchant to receive and post our payments. If the transaction has not been posted by that time, simply call the toll-free number found at the bottom of every page on the bill pay website. You may also chat with a Subscriber Services representative by clicking on the Chat button (when available) on the bill pay website or send an email to [email protected]. A representative will follow up on the transfer or payment and get back to you within 24 to 48 business hours.
Back to Top
How do I get started?
Just complete a Bill Pay enrollment form by pressing the “Enroll Now” button on the Online Banking Log In page. When you receive notification from Team Capital Bank that your bill pay enrollment has been approved (generally a minimum of 3 business days), you may begin to use the service.
Back to Top
|
