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What is Central Bank Online?
Is there a fee for Central Bank Online?
How do I sign-up for Online Banking?
How secure is Central Bank Online Banking?
What do I need to get started using Central Bank Online?
What kind of browser do I need and how do I know if mine has the right level of security and encryption for Central Bank Online?
Why do I have to change my PIN to a 6-8 alpha numeric code?
What happens if I forget my PIN?
What happens if I open an account after I start using Central Bank Online Banking?
Why does it say that my account is locked? And what do I do now?
I’m having trouble logging into my Central Bank Online account. What do I do?
How does Central Bank’s Bill Payment feature work?
Are there fees for Bill Pay?
How do I sign up for Online Bill Pay?
When are payments for Bill Pay processed?
Are there any businesses/individuals that I can’t pay via Online Bill Pay?
How do I know if a bill will be paid electronically or by check?
How soon after a Bill Pay transaction takes place does it appear in my account activity?
How many days must I allow for a payment to reach the payee?
Can I edit a payee’s address?
Who do I call with questions?
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Online Banking allows our customers a secure and convenient way to access their Central Bank accounts via the internet. And it’s FREE! Some of the features available through Online Banking include:
| • | Accessing current up-to-the-minute information about all of your accounts and view all transactions (including ATM and Debit Card transactions) | | • | Transferring funds between eligible accounts | | • | Retrieving statements for up to one year | | • | Downloading transaction information into money management programs such as Microsoft Money. |
All internal account transfers made Monday through Friday after 3 p.m. will be posted on the following business day.
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NO! Central Bank Online is FREE - even if you would like to pay your bills online through our personal bill payment feature. All you have to do is fill out an application that’s available online or at any Central Bank facility.
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Current Central Bank customers can click here for an Online Banking Application. Or if you prefer, pick one up at any Central Bank facility. A one-time SIGNED application is required. Once your SIGNED application is received by the Bank, you should receive your Online Banking ID by mail within 2-3 business days. Then you will receive your PIN number in a separate mailing. Your identity safety is very important to us. We don’t want to jeopardize that by sending your User ID and PIN number in the same mailing. If you have any questions, feel free to call our Customer Service Department at (417) 532-2151 during regular banking hours.
If you are NOT currently a Central Bank customer, you may also obtain a deposit account application by using our Online Application or by visiting one of our convenient locations.
Simply submit your application Online or bring your application to the nearest Central Bank facility to open your deposit account after which you can apply for Online Banking. Once you receive your Central Bank Online Banking ID, you can begin using the service.
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State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted and access requires passwords that only you know. In addition, your account numbers and Social Security number is never displayed on the Online system. However, if you feel your information has been jeopardized in any way, please contact our Customer Service Department at 417-532-2151 during regular banking hours.
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You need the following to get started banking Online:
• | A personal computer | | • | An active account with an internet service provider | | • | Internet browser software with 128 bit security encryption | | • | An account with Central Bank |
You will also need to sign up for Online Banking so that you will receive a user ID.
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You will need a connection to the internet and a Web Browser that supports 128 bit SSL encryption. Microsoft Explorer or Netscape Navigator versions 4.0 (or higher) both support this type of encryption. You may contact either of these vendors for a free browser upgrade. Online Banking works with all Windows operating systems (including Macintosh) that support the browsers listed above.
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As an upgraded security measure for your protection, Central Bank requires all Online Banking users to update their PINs and make them a 6-8 alpha numeric code. You will be prompted every 120 days to make a PIN change.
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You are allowed 3 attempts to enter the correct PIN before your account will be locked. If you cannot remember your PIN and/or you are locked out of the system, please call our Customer Service Department at 417-532-2151 during regular banking hours for assistance.
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All you need to do is contact our Customer Service Department during regular business hours to have your new account added.
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As a security measure and for your protection, accounts will lock for several reasons such as inactivity or the incorrect PIN being entered three times in a row. If your account is locked, please call our Customer Service Department at 417-532-2151 during regular banking hours and, upon proper identification, we will be happy to unlock the account and reset the PIN. This is only for the security of our customers. We apologize for any inconvenience.
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There may be several reasons you are experiencing difficulty logging into your Online Banking session. If you complete the ID and PIN fields and click “submit” and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete ONE of the following two options:
| • | At the bottom right hand corner of your screen there should be a little red circle with a minus sign inside. Double click on this icon and a “Privacy Report” window should appear. On the “Privacy Report”, highlight the site address in the text area by clicking once on it, then click “Summary”. When the Privacy Policy window pops up, check the box at the bottom that states “Always allow this site to use cookies”. Click “OK” and close out of the privacy report. | | | | | • | If that does not seem to clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose “Tools” then “Internet Option.” On the “Internet Options” window, click on the tab labeled “Privacy”. On the Privacy window, there will be a section titled “Settings”, and there will be a slider on the left hand side. Move the slider all the way down, until it says “Accept All Cookies.” Click “OK” and close out. |
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Bill Pay allows you to pay all of your bills while on the internet. You can set up future and repeat payments as well as check the status of your payments. You may pay as many bills a month online as you want. There’s no limit on the number of bills you choose to pay. Payments are made electronically whenever possible. If the merchant you are paying doesn’t accept electronic payments, a paper check is automatically prepared and mailed to them. Best of all, it’s FREE! All you have to do is sign up.
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NO! Central Bank’s Bill Payment feature is FREE!
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You must meet the following criteria to be eligible for this service:
| • | Be a Central Bank customer | | • | Have a regular or NOW deposit account | | • | Be enrolled in Central Bank Online
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If you are a current Central Bank Online user, simply contact our Customer Service Department during regular banking hours at 417-532-2151 and we’ll be happy to add you to the service.
Current Central Bank customers not enrolled in either service (Central Bank Online or Bill Pay) are welcome to use our Online Application or stop by one of our convenient locations.
If you are NOT currently a Central Bank customer at all, you may also obtain a deposit account application by using our Online Application or by visiting one of our convenient locations. Submit online or simply bring your application to the nearest Central Bank facility to open your deposit account, after which you can then apply for Online Banking.
Once you receive your Central Bank Online Banking User ID you can begin using the services.
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Bill Pay payments are processed each day at 12:00 noon Central Time. Any payments entered up to that time will be processed the same day. Plus, any payment issued via check will be printed and mailed the same day. Electronic payments will also be sent for processing the same day.
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At this time the only institutions that you cannot pay online are those that are court ordered and go to a payment center (i.e. Alimony or Child Support payments). Some of these payment centers don’t allow you to pay with a check so they don’t allow online payment either.
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When setting up payees, the payee type field will tell you if the payee is electronic or check.
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Bill Pay transactions will normally appear in your account history after processing on the scheduled payment date.
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Electronic payments should be made 3 business days in advance of when you want the payment to be posted to the payee.
Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted to the payee.
Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check such as your name, address and account number.
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No, you must set up a new payee with the correct address and delete the old one. However, deleting the old payee will remove the history of that payee. You can leave the old payee listed and retain your history of that payee.
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Existing Bill Pay Customers with questions or problems, should contact our Customer Service Department at 417-532-2151 during regular banking hours.
For questions about Bill Pay prior to signing up for the service, please call our Customer Service Department at 417-532-2151 during regular banking hours.
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