Bank of Advance

Features

Mobile Banking

BillPay & e-Docs

FAQs

Document Library

Online Banking Questions and Answers

Q: What is Online Banking?
A: Online Banking is a service that allows you to use any computer with an Internet connection to conduct your banking online. Back to Top

Q: What can I do with Online Banking?
A: You can view account balances, transaction history, and view images of checks, deposits and bank statements. You can even transfer money between your Bank of Advance accounts. Plus, you may also sign up for BillPay, which will allow you to pay your bills quickly and easily! Click here for more information on BillPay. Back to Top

Q: How much does it cost?
A: Online Banking is a free service available to all account owners. Back to Top

Q: How do I sign up for Online Banking?
A: 1-Enroll Online: After you have completed the Online Enrollment process, your application will be submitted to our Online Banking Department. You should expect to hear from us by the next business day with your login information.
2-Drop your application off at any of our 6 locations: After you submit your application, you should expect to hear from us by the next business day with your login information.
3-You may also fax (573-722-3527), mail (PO BOX 400, Advance, MO 63730) or deposit the application in the night depository. Back to Top

Q: When can I start using Online Banking after I apply?
A: You can start using Online Banking after you have been contacted by one of our Online Banking Representatives. They will provide you with your login information. If we are unable to contact you, the information will be mailed. Back to Top

Q: When do I have access to Online Banking?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week! However, we occasionally perform maintenance, which may cause Online Banking to be unavailable for brief periods of time. Back to Top

Q: How current are my account balances and transaction history?
A: Your account information is constantly updated with new transactions that post to your account throughout the day. Back to Top

Q: What accounts will I be able to access through Online Banking?
A: You will have access to your checking, savings, club, loans, CD's and safe deposit box accounts. Our Online Banking is intended to give you as much access, security and versatility as possible. Back to Top

Q: How much account history can I view at once?
A: You can view transactions that have posted to your account within the last 3 months or since you’ve applied, which ever is most recent. Back to Top

Q: Can I view my transaction history in more than one way?
A: Yes, you can view history by date, check number or amount in ascending or descending order. Just click on the heading to view transaction history in a specific order. Back to Top

Q: Can I change the name of my accounts?
A: Yes! By default, each account is given a “pseudo name”, the type of account it is (DDA=checking, SAV=savings, RE Loan, CL Loan) followed by the last three digits of the account number ex: DDA0333. To rename your accounts, go to Options and then Accounts. Back to Top

Q: Can I set up Alerts that will notify me of important events?
A: Yes! There are four types of alerts that are available for you to use.
-Event Alerts will notify you of the following: receiving incoming wires, receiving incoming ACH debits and credits, NSF's, statements or notices, maturing loans, maturing CD's, Bill Payment paid/failed, transfer failed/expired/restricted/deleted, BillPay Payee changed from check to electronic.
-Balance Alerts will notify you when your balance falls below or above the limit you set.
-Item Alerts notify you when a specific item posts to your account.
-Personal Alerts can be used to remind you of important dates such as Birthdays, Anniversaries or appointments. Back to Top

Q: In what formats can I download my transaction history?
A: CVS Spreadsheet, QIF Personal finance, or TXT Word Processing formats are available. At this time, our website does not support Quicken or Quick Books software. Back to Top

Q: Are there any requirements to keep my Online Banking access active?
A: To keep your online account active, you must log in once every 180 days. If you do not log in, your account will go dormant. It will remain dormant for 30 days, and then close. Closure of your online account will include cancellation of BillPay service, deletion of scheduled BillPay payments and scheduled transfers. Back to Top

Q: What if I forget my NetTeller ID or PIN/Password?
A: On the PIN/Password page, click Reset Password and provide the following information:
-Netteller ID- either your 12 digit Netteller ID or your personal ID
-Email address- the email address that is on file at the bank (entered in the Personal Options page)
-The answer to your question- this question will need to be set up by you on the Personal Options page before you can use the Password Reset feature
-Email subject- The subject you enter here will be the subject of the email you will receive. This subject will validate that the email you are receiving is NOT a phishing attempt. *Note-You must set up a Personal Question and Personal Question Answer on the Options page of Online Banking before using the Password Self Reset.
B: Click here for on screen instructions. Back to Top

Q: What are the requirements for the NetTeller ID and PIN/Password?
A: PIN/Password must be Alpha-Numeric and contain at least 6 characters. It must include at least one letter and one number and cannot start with a number. No special characters or spaces are allowed. When resetting your password you will not be allowed to use any of the last four passwords that have been used.
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Q: Why does my NetTeller ID or PIN/Password appear automatically on the login page? That is not very safe, how can I turn it off?
A: If you save your login information on your computer, anyone who uses your computer will have easy access to your Online Banking. Protect yourself by not saving your login information. If you use Internet Explorer as your Internet browser you can modify your settings so that you will not be asked to save your login information. Go to Tools, Internet Options, Content Tab, choose Auto Complete. A small window will appear. Make sure that the “User names and passwords on forms” box is NOT CHECKED. You should also click clear forms and clear passwords, to make sure any stored passwords are deleted. Then click OK. Note: This will remove login information for all websites you access from your computer. Back to Top

Q: What if I am having problems logging into my account?
A: One of the following may be occurring:
     -If you are getting an “Invalid NetTeller ID or PIN error”, that means you are entering either an incorrect ID or PIN. If you enter your NetTeller ID and see the incorrect security picture, you are using an incorrect NetTeller ID.
     -If you get to the page where you enter your PIN and you see the correct picture, your PIN will need to be reset. Remember: PINs must be between 6-8 characters in length and contain at least one letter and one number.
     -If you are “locked out”, contact us and we will unlock your account. Remember: If you try to log in 3 times unsuccessfully, your account will be locked and you will receive an email notifying you that you have been locked out.
     -After following these steps, if you continue to have a problem, contact us.
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Q: What are the system requirements to access Online Banking?
A: You can access our website from any computer (PC or Macintosh) that has Internet access and a current web browser. For PC users, we recommend using either Mozilla Firefox™ 3.0 or Microsoft Internet Explorer™ 7.0 or higher and Safari 4.0 or higher for Macintosh users. Use any of the listed to take advantage of secure interactivity with our site. To view more supported browser information, click here. It is also necessary to accept a one-time cookie. If prompted, please accept this cookie to continue your online banking session.
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Q: How secure is Online Banking?
A: When sending any sensitive information online, this site automatically switches to a secure mode. This is evident by the "https" that will appear in the URL as opposed to "http." If you are using Internet Explorer, you will see a locked padlock at the bottom of your screen when you are in a secure mode and an unlocked padlock when you are in an unsecure mode. Also, we will never put your account number online. We only use psuedo names when displaying account numbers. Back to Top

Q: What accounts can I transfer funds to/from?
A: Transfers can be made between accounts on which you are an owner or authorized signer. Transfer types include but are not limited to: checking to checking, savings to savings, savings to checking, checking to savings, checking to club, savings to club, savings to loan (interest included or single pay), checking to loan (interest included or single pay). Transfers between checking and savings to interest only loans are not permitted. Back to Top

Q: When will a transfer that I make Online post?
A: Transfers can be created 24 hours a day, however, only transfers made prior to
5:00 p.m. CST on normal business days will post the same day. Transfers made after 5:00 p.m. CST will post on the next business day. Back to Top

Q: What happens if I don’t log off the system?
A: For security, if your Online Banking session remains inactive for 9 minutes, the system will automatically log you off. Back to Top

BillPay Questions and Answers

Q: What will BillPay allow me to do?
A: Online Banking offers you the ability to pay all of your bills at the same time, from one easy to use location. Back to Top

Q: How much does BillPay cost?
A: BillPay is FREE for all personal accounts. Business accounts pay $3 per month (monthly fee is waived if enrolled in e-Docs). Back to Top

Q: How do I sign up for BillPay?
A: -If you are not currently an Online Banking user, you will first need to apply for Online Banking. On the Online Banking Application, check the box that asks if you would like to sign up for the BillPay feature. After you have completed the application, send it via fax or mail to any of our locations.
-If you already have an Online Banking Account contact us at any of our locations and tell us you want to sign up for BillPay. After you have been setup to access BillPay, login and simply click the BillPay tab to get started. Back to Top

Q: Are there any requirements to keep my BillPay active?
A: As long as your Online Banking Account is active, BillPay will be as well. To keep your online account active, you must log in once every 180 days. If you do not log in, your account will go dormant. It will remain dormant for 30 days, and then it will close. Closure of your online account will include cancellation of BillPay service, deletion of scheduled BillPay payments and scheduled transfers.
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Q: How do I access BillPay once I am logged into Online Banking?
A: Click the Bill Payment tab. Back to Top

Q: When can I start using BillPay?
A: If you are a new Online Banking user, you will have access to BillPay once you have received a NetTeller ID and PIN/Password. If you want to add the feature to your already existing Online Banking account, contact us and it will be available to use instantly. Back to Top

Q: Can I determine the frequency of regular (same amount every month) automatic payments?
A: Yes. You can schedule one-time, weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual and annual recurring payments for the same amount. The final payment of a recurring payment is designated by an expiration date. Back to Top

Q: How does my payee get paid through BillPay?
A: Payees are paid in one of two ways: by check or electronically. If the payee is paid by check, the check will be mailed from our processing center to your payee. The funds will not be debited from your account until the check clears your account. If the payee is paid electronically, the funds are guaranteed and will be debited from your account the day your payment is set to pay. Back to Top

Q: How can I tell if my payee will be paid by check or electronically?
A: When you initially establish your payees, the system determines if the payee will accept electronic payments. If the payee does not accept electronic payments, they will receive a check. On the Main BillPay page, to the right of the payee name, you will see either a C for check or an E for electronic.  Note: If your check payee decides to accept electronic payments at a later date, the system will notify you of this change. The system checks for new electronic payees every 30 days. Back to Top

Q: Is it possible to cancel or stop a payment?
A: Electronic Payment- Yes, you can edit or cancel a payment up until the payment is processed. Once the funds have been removed from your account, there is no way to stop the electronic payment or retrieve the funds.
     Check Payment- Yes, you can edit or cancel a payment up until the payment is processed. If you notice a discrepancy after the payment has processed you can contact us to set up a stop payment on the check that will keep it from posting to your account. You may then set up a second, correct payment to be processed. Note: Regular stop payment fees apply. Back to Top

Q: What happens if there is no money in my account and the bill is scheduled to pay?
A: If there are not sufficient funds to cover the payment, the system will reject the payment with the reason Rejected-NSF. The payment will attempt to be paid each day until sufficient funds are available. If you wish to stop the rejected payment, you may do so by editing the payment date or deleting the scheduled payment. Back to Top

Q: Does my Bounce Protection work with BillPay?
A: Yes, BillPay items will process if they are within your Bounce Protection limits.
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Q: How long does it take for my bill to be paid?
A: Check payments take 7-10 days to reach your payee. Electronic payments take 3-5 days to reach your payee. Back to Top

Q: When I add a new payee to BillPay, or edit my payee information, how quickly will the change take place?
A: When you update any information in BillPay the changes are implemented instantly.
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Q: Is there a way I can search my payment history?
A:  Click here for on screen instructions. Back to Top

Q: Can I use BillPay with all my accounts?
A: You can use any of your checking accounts with BillPay. Savings accounts cannot be used for BillPay. Back to Top

Q: How do I add a new payee?
A: You can add a payee by clicking the words Add Payee within the Bill Payment tab.
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Q: Can BillPay be used when I am out of the country?
A: BillPay provides you with peace of mind when you are traveling for an extended period of time. All you need to access BillPay is an Internet connection with a secure browser and you can pay your bills while you are out of the country.
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Q: Who can be paid using the BillPay system?
A: Anyone, in the United States, who can accept a check can be paid through BillPay. larger creditors will be more likely to accept electronic payments. Individuals and local businesses will be more likely to accept only check payments. Back to Top

Q: If I schedule multiple payments for a single day, how will my account be debited -- as a lump sum or separately?
A: Each BillPay item will be debited from your account separately and a description of the payment will be included on your statement. Back to Top

e-Docs Questions and Answers

Q: What is e-Docs?
A: e-Docs is an additional Online Banking feature that enables you to receive an electronic version of your statements and notices via e-mail. You can view, save or print your e-Docs right at your computer. Back to Top

Q: Why should I switch to e-Docs?
A: It’s fast, secure and environmentally friendly! e-Docs are available online, days sooner than mailed statements or notices. They can be accessed using your secure Online Banking ID and PIN/Password. You will also save paper and trees while helping to preserve the environment.
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Q: Are there any charges for using e-Docs?
A: There is no charge. e-Docs are FREE! Back to Top

Q: How do I sign up for e-Docs?
A: In order to utilize e-Docs you must have Online Banking access. To enroll, click here. If you already use Online Banking, simply login and click the e-Docs tab to set up your accounts. Back to Top

Q: What documents are available through e-Docs?
A: Statements, NSF Notices, Bounce Protection Notices, Wire Notices, Account Analysis Statements and CD Notices.
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Q: Will I be able to see my combined statement(s) through e-Docs?
A: Your electronic statement will appear exactly like your paper statement. Back to Top

Q: Are check images available on electronic statements?
A: If you are currently receiving check images with your paper statement, images will be included on your e-statement as well. Back to Top

Q: How do I save e-Docs for future reference?
A: Electronic statements will be accessible through the email message for 60 days. Notices will be accessible through the email message for 30 days. You may also choose to save the .PDF file to your computer for as long as you like. Back to Top

Q: What if I change my email address while enrolled in e-Docs?
A: While you are logged into Online Banking, simply click the Options tab to modify your personal settings or contact us and we will change it for you. Back to Top

Q: How will I be notified that e-Docs are available?
A: You will receive an email to notify you that your e-Docs are ready for viewing. *Note-Please add onlinesupport@bankofadvance.com to your email contact list to ensure delivery of eDocs. Always remember to verify the security phrase in the subject line of the email. Back to Top

Q: What is a security phrase?
A:   The security phrase is a phrase you can remember that helps you verify the sender of the message is in fact the Bank of Advance. Back to Top

Q: Will e-Docs look the same as the regular printed documents I receive in the mail?
A: Your electronic documents will look similar to the paper documents you are used to seeing and will contain all the same information. Back to Top

Q: How can I review previous documents?
A: To have unlimited access to the document, you should save the PDF file to your computer. If you do not save the documents, statements will be inaccessible 60 days after your email is received and notices will be inaccessible 30 days after your email is received. Back to Top

Q: How will I receive the inserts that usually come with my statements?
A: You will still receive the inserts with your electronic statement. It will be the first page of your statement when it opens. Back to Top

Q: Do I have to sign up for Online Banking in order to have access to e-Docs?
A: Yes.
      -If you are not currently an Online Banking user, you will first need to apply for Online Banking.   After you have completed the application, send it via fax or mail to any of our locations.
      -If you already have an Online Banking Account simply click the e-Docs tab while you are logged on to choose which documents you would like to begin receiving electronically. Back to Top

Q: What user name and password do I need to use to access my documents?
A: The User name and Password are the same as what you use to log in to Online Banking. Back to Top

Q: Will I be able to print e-Docs?
A: Yes. Once you open the document, you will be able to print it just like you would print any other document on your computer. Back to Top

Q: Will I need any special software to view e-Docs?
A: Yes. You will need to have a recent version of Adobe Reader installed on your computer. Adobe Reader is free software that is used for viewing and printing electronic forms. Click here to download. Back to Top

Q: How long will it take to receive my first e-Doc?
A: Once you have enrolled for e-Docs, you will receive one last paper copy of the document you enrolled for along with an electronic copy. After you view the initial electronic copy you will no longer receive a paper copy. When your document is produced on our system it will reach your inbox in a matter of minutes. Back to Top

Q: Whom should I contact if I can’t access e-Docs?
A: If you are unable to access e-Docs you will also be unable to log in to Online Banking, since the e-Docs login information is the same as the Online Banking Login information. If you need to verify your user name or have your password reset you will need to contact us by phone at 573-722-3517.
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Q: Can I receive both paper and electronic documents?
A: No. Once you have opened and viewed the initial electronic document, the paper document will no longer be sent. Back to Top

Q: How do I un-enroll from e-Docs?
A: You may unenroll from e-Docs by contacting your local branch. Back to Top

Mobile Banking Questions

Q: What is BAM?
A: Bank of Advance Mobile is an Internet based solution that enables you to access current account information using your mobile device. It also allows you to access balance information, recent transactions, pay bills, transfer funds and receive alerts.
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Q: What type of accounts can I access with BAM?
A: BAM will provide access to the same accounts that are accessible through Online Banking: checking, savings, club, certificates of deposit, money markets, loans and lines of credit. Back to Top

Q: How do I access BAM?
A: You must be a current Online Banking customer with a Netteller ID and PIN/Password. Click here to enroll for Online Banking. You will use the same User ID and Password for BAM as Online Banking. BAM is accessible three different ways!
      1) Visit https://www.airteller.com/bankofadvance. This is our mobile banking website.
      2) Text us! Text one of these codes to 89549.
          Bal will supply all your account balances.
          Bal Account Name will supply one account balance.
          Hist will supply you with the last four transactions for all accounts.
          Hist Account Name will supply the last four transactions for one account.
          Help will supply the list of text commands and Stop will cancel access to text banking.
      3) For iPhone users, download BAM, free of charge, from the iTunes store. If you do not have iTunes, download it now at http://www.apple.com/itunes/download/. Back to Top

Q: Is there a cost to use BAM?
A: No. BAM is free! There is no charge to use BAM, from the Bank of Advance. Please contact your wireless provider. Standard charges may apply for text messaging or web usage. Back to Top

Q: How do I enroll for and use Text Banking?
A: Click here for instructions. Back to Top

Q: How do I enroll for and use the BAM website?
A: Click here for instructions. Back to Top

Q: How do I use my new iPhone app?
A: In order for the App to work you must first enroll for BAM while logged into Online Banking. Log in, choose Options, then mobile settings and web mobile settings. Click here for screen shots of the iPhone app. Back to Top

Q: How do I know if my transfer or bill payment was entered successfully?
A: Each time you make a transfer or pay a bill, a confirmation text will be sent to your mobile number. If you do not receive a confirmation text, log in to www.bankofadvance.com to double check that the transaction was performed.
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Q: What happens if I lose my mobile device?
A: Since your account data is NOT stored on your mobile device, your information cannot be stolen. When you replace your device, log in to Online Banking via www.bankofadvance.com and update your information. Back to Top

Q: Why can't I add a new payee?
A: Functionality is limited to sending payments to already established payees. To add a new payee, log in to Online Banking, select Bill Payment, and Add Payee. You can then submit payments to that payee via your mobile device. Back to Top

Q: What happens if I lose communication/signal during a transaction?
A: When you complete a transaction from your mobile device (bill payment, funds transfer, etc.), you will receive a text confirmation that the transaction was successful. If you do not receive this message due to a dropped signal, check your accounts and re-submit any transaction that did not process.  Back to Top

Q: What do I need to do if I get a new phone?
A: If you get a new phone, and are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to Online Banking via www.bankofadvance.com and update your information. Log in, choose Options, Mobile Settings then Text or Web Mobile Settings. Back to Top

Q: What if my wireless provider isn't on the list of available wireless providers?
A: Contact us and we will get your wireless provider added to the list. Back to Top

Q: How can I search for a transaction?
A: You will only be able to view the last 15 days worth of transaction history using our mobile banking website. There is no search feature. Back to Top

Q: Can I use any mobile device to access my accounts?
A: Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that confirmation texts will be sent to the device entered when enrolling for mobile banking. Back to Top

Q: How do I delete a Bill Payment that I set up through my mobile device?
A: You must log in to www.bankofadvance.com and delete the payment. Back to Top

Q: When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?
A: Check your phone's settings to make sure you don't have Alpha-only enable on the keypad. Back to Top

Q: When will my Bill Payments be processed?
A: Bill Payments initiated via Mobile Banking are processed in the same manner as if they were made through normal Online Banking. Payments are processed at 2:00am and 12:00pm. Back to Top

Q: Are transfers immediate?
A: Yes. Back to Top

Q: What if I can't get my mobile device to work with Mobile Banking?
A: There are a number of reasons why you may experience trouble accessing mobile banking from your mobile device. To use the mobile version, your phone will need to meet the following requirements:
     1) You must first enroll through Online Banking before you can gain access.
     2) Your mobile device must be web enabled to access
          https://www.airteller.com/bankofadvance.
     3) Your mobile network must allow secure SSL traffic. (You may need to contact your wireless provider to determine this.) Back to Top

Q: What if I want to discontinue my access to BAM?
A: Log in to Online Banking>Select Options>Mobile Settings>Web Mobile Settings or Text Settings>Deselect Activate Text Banking or Mobile Banking access>click I Agree.
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Q: Is BAM safe?
A: Yes. BAM is safe and secure. BAM is protected with the same security as Online Banking.
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Browser Related Questions

Q: What browser do I need to use in order to access www.bankofadvance.com?
A: To ensure optimal security and access to all features in our Online Banking product, we recommend using one of the following browsers:

    Windows Users
    1. Internet Explorer 7.0 - 8.0 9.0 - download now
    2. Mozilla Firefox 3.0 and higher - download now
    Macintosh Users
    1. Safari 4.0 and higher- download now
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Q: How do I determine what browser version I am using?
A: Perform this Browser Check.
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Q: What if I am having problems logging into my Online Banking account?
A: One of the following may be occurring:
-If you are getting an “Invalid NetTeller ID or PIN error”, that means you are entering either an incorrect ID or PIN. If you enter your NetTeller ID and see the incorrect security picture, you are using an incorrect NetTeller ID. If you get to the page where you enter your PIN and you see the correct picture, your PIN/Password will need reset. Remember the PIN/Password should be 6-8 characters in length and contain at least one letter and one number.
-If you are “locked out”, contact us and we will unlock your account. Remember: If you try to log in 3 times unsuccessfully, your account will be locked and you will receive an email notifying you that your account is locked.
-If you are receiving a “cookies not accepted” error, your cookies may be corrupted. Follow your browser’s instructions for deleting temporary Internet files and cookies.
-If you are still receiving errors, there might be a problem with your browser version. You may need to install a new browser.
After following these steps, if you continue to have a problem, contact us. Back to Top