Online Services Frequently Asked Questions
Online Banking Questions
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.
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.
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 have been enrolled, whichever is most recent.
Q: Can I change the name of my accounts?
A: Yes. Each account is given a default 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.
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. Alerts can be seen when you are logged into Online Banking or sent to you by email or text message. Text Alert Guide
- Event Alerts will notify you of the following: incoming wires, incoming ACH debits and credits, statements, Non-Sufficient Funds (NSF) Notices, maturing loans, maturing CD's, BillPay 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.
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.
Q: What are the requirements for the NetTeller PIN/Password?
A:Your 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.
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/Password” error, that means you are entering either an incorrect NetTeller 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/Password and you see the correct security picture, you are using an incorrect PIN/Password and it will need to be reset. Remember: PINs must be between 6-25 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.
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™ or Microsoft Internet Explorer™ , or Google Chrome. We recommend using Safari for Macintosh users. Use any of the listed browsers to take advantage of secure interactivity with our site. It is also necessary to accept a one-time cookie. If prompted, please accept this cookie to continue your online banking session.
Q: When will my online transfer 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.
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.
Q: Can I determine the frequency of payments?
A: Yes. You can schedule a one-time payment or 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.
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.
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 to 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.
Q: Does my Bounce Protection work with BillPay?
A: Yes, BillPay items will process if they are within your Bounce Protection limits.
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.
Q: Can I use BillPay with all of my accounts?
A: You can use BillPay with any of your checking accounts. Savings accounts cannot be used for BillPay.
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.
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. Large creditors will be more likely to accept electronic payments. Individuals and local businesses will be more likely to accept only check payments.
Q: What documents are available through e-Docs?
A: Statements, Non-Sufficient Funds (NSF) Notices, Bounce Protection Notices, Wire Notices, Account Analysis Statements and CD Notices.
Q: How do I save e-Docs for future reference?
A: Electronic statements will be accessible through the email message for 60 days. Electronic 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.
Q: How will I be notified that e-Docs are available?
A: You will receive an email notification that your e-Docs are ready for viewing. Please add email@example.com to your email contact list to ensure delivery of e-Docs. Always remember to verify the security phrase in the subject line of the email.
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.
Q: How can I review previous statements and notices?
A: To have unlimited access to the document, you should save the file to your computer. If you do not save the documents, statements will be accessible for 60 days after your email is received and notices will be accessible for 30 days after your email is received.
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.
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.
Q: How long will it take to receive my first e-Doc?
A: Once you have enrolled in 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 statement/notice is produced on our system it will reach your inbox in a matter of minutes. You must open and view the electronic copy to stop receiving paper copies of your statements and notices.
Q: What type of accounts can I access with Bank of Advance Mobile (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.
Q: How do I access BAM?
A: You must be a current Online Banking customer with a NetTeller ID and PIN/Password. You will use the same NetTeller ID and PIN/ Password for BAM.
Q: How do I use my new iPhone or Android App?
A: In order for the App to work you must first enable BAM while logged into Online Banking. Log in, choose Options, then Mobile Settings and Web Mobile Settings.
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.
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 from a computer, select Bill Payment, and Add Payee. You can then submit payments to that payee via your mobile device.
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.
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.
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.
Q: How do I delete a Bill Payment that I set up through my mobile device?
A: You must log in to Online Banking from a computer to delete the payment.