Online Banking Frequently Asked Questions (FAQs) and Answers
- What are the features of Online Banking?
- Is internet banking with Community Bank CBD secure?
- I’m a current Community Bank online user. Why can’t I Log In?
- What is my Access ID?
- I’m a First Time User of Community Bank online. How do I start?
- I have a joint account. How do I access my account?
- After I log on to online banking, what should I do first?
- 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?
- When do my banking transactions appear on online banking?
- How can I be certain that a transfer I set up will happen?
- How do I cancel a one-time transfer?
- How do I cancel a scheduled transfer?
- When I get large amounts in my accounts, why can’t I see all of the numbers?
- What can’t I see my spouse’s account?
- Can I use Community Bank online banking with my Quicken or Microsoft Money?
- 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®
The server that stores your Community Bank CBD 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 in your address bar.
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.
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. If after checking that please contact your local branch for further assistance.
The first time you log in to Community Bank CBD online you will be asked for an Access ID. This will be any one of your account numbers. The Access ID will remain this number unless you contact the bank to assign a different Access ID.
Before you begin, read the disclosures and agreements. For easy access, click on the Account Login button at the top of every page. 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.
Password: Enter the last four digits of your Social Security Number.
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. Letters, numbers, and a special character are required for your password with a minimum of eight (8) character in length. 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!) Passwords will expire every 90 days.
After logging in as a first time user to online banking, you will simply Log In using your Access ID and your new password.
Each customer needs to sign on to Community Bank CBD online with their own Password and Access ID. If one signer on the account has already accessed online using th “First Time User” button, their Access ID (Account Number) is assigned to that password. If an Access ID is already in use or has been chosen by another Community Bank CBD customer, you will be prompted to choose a new Access ID
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.
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.
COD means Certificate of Deposit. You can log on using your Certificate of Deposit number by choosing this account type.
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.
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 tranfer. That is, to “reverse” a transfer you just made of $100.00 from your checking account to your savings saccount, you would now need to transfer the same amount of $100.00 from your saving account back to your checking account. (Note the special rules for savings accounts allow for a total of five withdrawals each month without charge by the bank.)
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”.
For best viewing, your screen resolution should at least be set to 800 x 600.
Your password allows you access to the accounts that you are an owner or signer. If you are not able to view an account which you believe you sould be able to see, contact Community Bank CBD at 728-2265 for assistance Monday – Thursday 8:00am – 5:00pm and Fridays 8:00am – 6:00pm.
If you are not an owner or signer on an account, you will not be given access to that account. For example, if your spouse holds an account in his or her own name, you will not be able to view it in your household accounts.
You can export your transaction information from Community Bank CBD online banking. First select the account you wish to export the information from. Choose the “Export Transaction” button. You will then be able to select the fromat that your financial software accepts. The available file types are:
- .CSV Comma Separated File
- .OFX Open Financial Exchange
- .IIF Quickbooks 2004 and Earlier
- .QBO Quickbooks 2005 and Later
- .QIF Quicken 2004 and Earlier
- .QFX Quicken 2005 and Later
Once you have exported you will be given the option to “Save” the file. Be sure to save the file in an easily accessible location. You should then open your financial software and import the saved file from your PC.