Online FAQ

Frequently Asked Questions (FAQ's)
Online Banking Questions and Answers

1. What are the features of Online Banking?
2. Is internet banking with Community Bank CBD secure?
   
3. I'm a current Community Bank online user. Why can't I Log In?
   
4. What is my Access ID?
   
5. I'm a First Time User of Community Bank online.  How do I start?
6. I have a joint account. How do I access my account?
7. After I log on to online banking, what should I do first?
8. One of the choices to log on the Account Type is COD. What is that? How do I log on using my Certificate of Deposit as my account type?
9. When do my banking transactions appear on online banking?
10. How can I be certain that a transfer I set up will happen?
11. How do I cancel a one-time transfer?
12. How do I cancel a scheduled transfer?
13. When I get large amounts in my accounts, why can't I see all of the numbers?
14. What can't I see my spouse's account?
15. Can I use Community Bank online banking with my Quicken or Microsoft Money?

Features

• View cleared check images
• Print account statements
• Transfer between Community Bank accounts
• Make or schedule payments on Community Bank personal loans
• Check and make payments on your Personal Reserve Account
• View account balances and transactions on checking, savings, money market and CD accounts
• View loan balances and payment history
• Download account information to personal finance computer programs such as Quicken ®, Microsoft Money®, and Quick Books®
  

Is internet banking with Community Bank CBD secure?
The server that stores your Community Bank account information uses Secure Sockets Layer protocol (SSL).  This security encrypts the data sent making it difficult to see your information.  In other words, your information is sent in a scrambled format.   To ensure that the information is being sent from a secure server, the address will start with https://  rather than http:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this: Closed padlock

Using 128-bit encryption technology scrambling your information, it would take a computer dedicated to doing nothing else many years to unscramble.  We require that Internet Explorer browsers use the 128-bit high encryption pack option for the strongest security available. Internet Explorer High Encryption Pack is available for download now.  Netscape users must use Netscape Communicator 4.5 or greater with 128-bit encryption to access Community Bank online.

Netscape Navigator 2.0 and 3.0 display a broken key icon when on a site that doesn't require encryption and a solid key appears when the site is secure. However, Netscape users of Community Bank must use Netscape Communicator 4.5 or greater with 128-bit encryption, so you should upgrade your browser if you do not see a closed padlock. Closed padlock  

I'm a current Community Bank online user. Why can't I Log In?
Community Bank online banking requires that your computer's browser utilize 128-bit encryption for your security, and the connection will be automatic within the United States.  However, the connection will not be automatic outside of the U.S.; Internet Explorer will need the 128-bit high encryption pack option for the strongest security available. Netscape users must use Netscape Communicator 4.5 or greater with 128-bit encryption to access Community Bank online.

The security feature for online banking ensures that you are the only one who knows your password.  Online banking will consider you a "First Time User" until you go through the process of changing your password at least once. IF YOU USED A BOOKMARK OR "FAVORITES" LINK TO ACCESS COMMUNITY BANK ONLINE, YOU WILL NEED TO UPDATE YOUR LINK.

Your Access ID is case sensitive.  If you used any capital letters in setting up your Access ID, you must capitalize those same letters every time you enter your Access ID.   If you are entering the right Access ID and Password and you're still not able to access online, check if your Caps Lock button is activated.

What is my Access ID?
Your Access ID can be any code you choose, using at least six (6) letters and/or numbers.  The Access ID is case sensitive.  If you use letters in your Access ID, you must remember which letters are capitalized and which letters are not capitalized.

I'm a First Time User of Community Bank online.  How do I start?
Before you begin, read the disclosures and agreements.  For easy access, click the "First Time Users" icon.  To access internet banking, click on the Log In button found on the Community Bank CBD homepage.

You will then see a "First Time Users" button for you to use.  Complete the information as requested on the screen:

Access ID:
This is one of your account numbers.

Account Type:
Indicate the type of account that you're using as your Access ID.  If you entered your checking account number in the Access ID, then select "Checking".

Password:
Enter the password you were assigned by Community Bank when you requested Telebanc.

After choosing "Submit", you will then be asked to change your password.  The bank will not know the password you choose, so you must carefully protect and remember it.  You may choose to change your Access ID at this time; joint account owners will be required to have different Access IDs.  Letters or numbers are allowed and a combination of both is encouraged.   However, because characters are case sensitive, so you must use the same capitalization each time.  (Check if your "Caps Lock" button is activated or not!)

After this First Time entry to online banking, you will simply Log In using your Access ID and your new password.

I have a joint account. How do I access my account?
Each customer needs to sign on to Community Bank online with their own Password and Access ID.  If one signer on the account has already accessed online using the "First Time User" button, their Access ID (account number) is assigned to that password.   If an Access ID is already is use or has been chosen by another Community Bank customer, you will be prompted to choose a new Access ID.

After I log on to online banking, what should I do first?
Welcome! Once you're logged in to your accounts, there isn't any right or wrong thing to do first.  The "Change Password" button makes it very easy to change your password, and we encourage you to make a habit of changing it often for your own security.

Click on the "My Accounts" button to see your accounts listed.  You can view each of them in more detail by clicking on the corresponding account number.   You will be brought to the "Balances" screen.  Just click on the other available buttons to see the different types of information now available to you.

One of the choices to log on the Account Type is COD. What is that? How do I log on using my Certificate of Deposit as my account type?
COD means Certificate of Deposit.  You can log on using your Certificate of Deposit number by choosing this account type.

When do my banking transactions appear on online banking?
You are able to view your financial information "live".  Any electronic items, including ATM or debit card transactions, or in person transactions will appear immediately under the "current day transactions".  

When you write out checks that are cashed by others who do not bank with Community Bank, the total amount of those checks will appear in a group as "Memo Posted Debits".  As Community Bank pays them, they will appear under your "Current Statement" as individual checks and their corresponding amounts.

Transactions that we receive, but have not been run through the bank yet, are listed in a group as "Memo Posted Debits".  This is found in the "Current Business Day" section of the transaction menu.   This is the most up-to-the-second balance of your account.

How can I be certain that a transfer I set up will happen?
One time transfer. You can rest assured when you receive a Confirmation Number that your "One Time Transfer" occurred.  We recommend that you print the frame with your Confirmation Number on it.  (Write down the Confirmation Number and transfer information if printing is not possible.)  If you have any questions about this transaction, we will need this Confirmation Number in order to help you.

You will be able to view the transfers by choosing the "Transactions" button for each of the saving or deposit accounts and looking at the "Current Business Day".  A transfer made from a deposit account will appear immediately, however the payment made to a loan account or Personal Reserve Account (PRA) will appear only after the nightly bank processing update.

New Scheduled Transfers.  The details of your transfers that were set up using the "New Scheduled Transfer" button will appear by choosing the "Transfer" button under the account the transfer will be coming from.

How do I cancel a one-time transfer?
One time transfers are "real time" meaning once you submit your transfer request, it affects the balance. To "undo" the transfer, you have to reverse the transfer.  That is, to "reverse" a transfer you just made of $100.00 from your checking account to your savings account, you would now need to transfer the same amount of $100.00 from your savings account back to your checking account.  (Note the special rules for savings account allow for a total of five withdrawals each month without charge by the bank.)

How do I cancel a scheduled transfer?
Scheduled transfers are not "real time", that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer.

View your scheduled transfers to be held in the future on each account using the "Transfer" button.  

• To modify a transfer, click on the link to the account you wish to change.   It will open the transfer details you had set up.  
• To cancel the scheduled transfer, change the remaining transfers to zero, or make other changes you wish.
• Choose "Update Transfer Information".