Online Services FAQs

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." We also use Two-Factor Authentication (2FA) as a security feature to help safeguard your account information. 2FA is a better form of confirming your identity than asking you security questions. During the login process, you will be required to enter a verification code that is sent to you by text message, automated voice call, or authenticator app. If you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.

Your account information is constantly updated with new transactions that post to your account throughout the day.

Your transaction history will start with 6 months and build from there.  

Yes. Each account is given a default name, the type of account it is followed by the last four digits of the account number (ex: SMPLY CK   1234). To rename, click on an account, go to Settings and then click Rename.

Select the account you would like to add an alert on and go to “Alert preferences.” You may set up balance or transaction alerts based on low or high thresholds. You can also click on your name in the bottom left-hand corner, select Account Settings, and then Alerts. From here, you can set up or modify alerts based on user security, incoming ACH activity, CD or loan maturity, insufficient funds, wires, or transfers. You may choose to receive alerts by email, text, or within the app. 

 

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 Bill Pay service, unenrollment from eDocs, removal of access to Mobile Deposit, deletion of scheduled Bill Pay payments, and loss of scheduled transfers.

Your password must be between 8 and 25 characters in length and must include at least one letter, one number and one special character. The password cannot start with a number. When resetting your password, you will not be allowed to use any of the last four passwords that have been used.

Simply click the “Forgot?” link on the login page to retrieve your username and/or reset your password. If password reset is not working, it’s possible your account is locked, which happens after several unsuccessful login attempts. Give us a call at (573) 722-3517 and we will be happy to help. 

You can access our website from any computer (PC or Macintosh) that has Internet access and a current web browser. We recommend using the current version of Microsoft Edge®, Firefox® or Google Chrome™ for PC users and Safari® for Macintosh users. Microsoft Internet Explorer is not a supported browser and may deny access to the platform. It may also be necessary to accept a one-time cookie. If prompted, please accept this cookie to continue your online banking session.

 

Transfers made prior to 7:00 p.m. CST on normal business days will post the same day. Transfers made after 7:00 p.m. CST may post on the next business day.

 

 

Visit "Bill Pay" from the main menu in either online or mobile banking to get started. Once you enroll, you're ready to begin adding payees and making payments.

 

Yes. You can schedule a one-time payment or recurring payments for the same amount. The final payment of a recurring payment is designated by an expiration date of by a set number of payments.

When you initially establish your payees, the system determines if the payee will accept electronic payments, and if not, the payee will receive a check. To determine how a payee will be paid, go to the main Bill Pay dashboard, click "Payees" and then select a payee. Under the payee name, you will see the method of payment delivery. "Check payment" means the payee is not set up to accept electronic payments and a check will be mailed. If you see "Electronic payment", "Direct deposit payment", "Text message (SMS) payment", or "Email payment", it means the payee will receive the payment electronically. Note: If, at a later date, a check payee decides to accept electronic payments, your payee will automatically be switched to an electronic payee. The system periodically checks for new electronic payees.

An electronic payment can be edited or deleted if the payment still shows as "Pending". If the funds have already been sent and you no longer see it in the "Pending" status, there is no way to stop the electronic payment or retrieve the funds. A check payment can also be edited or deleted while in the "Pending" status. If the check payment has already been processed, you can contact us to set up a stop payment. Note: Regular stop payment fees apply.

Yes, Bill Pay items will process if they are within your Bounce Protection limits.

Electronic payments are deducted from your account on the payment date, with payments processed at 7:00 AM and 2:00 PM, Monday through Friday. Electronic payments may take 1-3 business days to reach your payee. 

Payments made by check will be the same as if you had written and mailed them a check yourself. The payment will be deducted from your account when your payee deposits the check at their financial institution. Check payments may take 7-10 days to reach your payee, depending on the conditions of the mail service.

You can use Bill Pay with any of your checking accounts. Savings accounts cannot be used for Bill Pay.

 

Anyone in the United States can be paid through Bill Pay. Large creditors will be more likely to accept electronic payments. Individuals and local businesses can be paid with a check or electronically by providing their bank account information, a phone number, or an email address.

You can enroll through either your online or mobile banking. Click into an account and go to "eDocs" to get started. Once you enroll, you'll start receiving email notifications when your eDocs statements and notices are ready to be viewed.

 

Statements, Non-Sufficient Funds (NSF) Notices, Bounce Protection Notices, Wire Notices, Account Analysis Statements and CD Notices.

Electronic statements will be accessible for 18 months and electronic notices will be accessible for 3 months. We recommend you open and save the PDF version of your statement to your computer or a USB drive for future viewing.

You will receive an email notification that your eDocs are ready for viewing. Please add onlinesupport@bankofadvance.com to your email contact list to ensure delivery of eDocs.

Electronic statements will be accessible for 18 months after your email is received and notices will only be available for 30 days after receipt. We recommend you open and save the PDF version of your statement to your computer or a USB drive for future viewing.

Yes. Once you open the PDF file, you will be able to print it just like you would print any other document on your computer.