As most of you are aware, last fall we changed core software providers. One of the reasons was that the new software allowed us to offer real time banking. So far we have enabled real time telephone banking, real time teller transactions and real time ATM/Debit card transactions. The move to Real Time Online Banking marks the completion of the transition.

We now have our Real Time Online Banking and new iPay Bill Pay-e Plus product ready. All Internet Banking customers are encouraged to enroll in our new system. Enrollment is as easy as completing an online form and calling the bank for an initial password (You might give us a couple of hours before you call to give us time to review your application).

The new Bill Payment system will be through a company called iPay Technologies. Bill Pay users may begin converting to the new Bill Pay-e Plus anytime. Please feel free to visit iPay's website to learn more about the features this company will be able to offer.

Our Real Time Banking system will offer several enhancements over FundsXpress. Some of them are:

• Real Time Access - Transactions completed at the teller line, in our telephone banking or at the ATM machine are immediately viewable online.
• Images of Deposits will now be available online.
• We will now offer Quicken WebConnect downloads for the newer versions of Quicken and Quickbooks.
• Statements with images in PDF file format can be downloaded or printed.
• The Online Banking system is fully integrated with our core system.
• There is still no charge for either Online Banking or Bill Payment.

Bill Pay-e Plus Features and Enhancements:

• Same one-time and recurring bill payment modes as before.
• Email payments to individuals
• Transfers to accounts at other institutions
• Gift payments with cards for special occasions.
• Direct technical support with iPay via toll free phone number and online chat

Important: All Internet Banking and Bill Pay customers must be converted to the new system by August 4th, 2009 as the FundsXpress Internet Banking access will no longer be availabe after that time.

More information can be found in our Online Banking End User guideand the Bill Pay-e Plus Turtorial

Back to the top

1. Place outgoing mail in Post Office mailboxes or at the local Post Office rather than in a home mailbox.
2. Tear or shred receipts, bills, or account statements before throwing them away. This includes pre-screened credit card offers that, if thrown away intact, could be used to submit a false application. NOTE: to opt out of pre-screened credit card offers, call (888) 5-opt out (567-8688).
3. Photocopy the card or record the information and store it in a safe, accessible place. If photocopying, copy the front and back of the card to capture both the card number and the phone number to report the card lost or stolen.
4. If a card is lost or stolen or fraud is suspected, call and report that immediately using the SHAZAM toll-free interactive voice response system.
5. If a wallet is lost or stolen and the Social Security number is compromised, call the three national credit-reporting agencies to place a fraud alert on the name and Social Security number. Taking this action prevents fraudulent applications from being approved. The numbers are: Equifax, (800) 525-6285 Experian, (888) 397-3742 Trans Union, (800) 680-7289
6. Order credit reports every year from the three national credit-reporting agencies (above), or you may order the reports on line at http://www.annualcreditreport.com. Review the reports for accuracy.
7. Pay close attention to statements and their billing cycles. If a statement fails to show up on time, contact that organization. A missing bill or statement may indicate a perpetrator has stolen information.
8. Review statements each month for unauthorized or fraudulent transactions.
9. After receiving a reissued card, contact any companies with which recurring payments are established to notify them of the new expiration date.
10. NEVER disclose an account number or other personal information unless initiating the call, transaction, or request. Avoid providing personal information using a cellular or cordless phone. Never respond to e-mail asking for personal information.
11. Sign the back of the card. Failing to sign the card or writing �See ID� in the signature panel could actually result in losses.
12. Immediately report suspicious devices attached to ATMs or POS terminals.
13. Report instances when a merchant offers to clean a card. It may be a ploy to capture the card data using an electronic device.
14. Memorize the PIN. NEVER write it on the card or on anything carried with or near the card.
15. Never reveal the PIN or loan the card to another person.
16. When entering the PIN, block the view of others by standing between the terminal and the person waiting.
17. Make sure the transaction is complete and obtain a receipt before leaving the merchant location.
18. Shop online ONLY at secure Internet sites.

Back to the top

Back to the top

Back to the top

Back to the top