Resource Center » FAQs
The Bank developed the following list of frequently asked questions to provide our customer's with answers to some of the most commonly asked questions about Simply e Cash Management. We hope to provide you with a resource to help solve common occurrences. If you have any questions that are not addressed here, or you have additional comments or concerns please contact your Banker or .
What is Simply e Cash Management?
Simply e Cash Management is the Bank's Online Cash Management product that allows business clients 24-hour, access to their accounts. Businesses can view account information, move funds, check transactions, initiate stop payments, place wire transfers, and set-up ACH transfers.
Who can access Cash Management?
This service is available to any Bank customer with a business account. Businesses can also grant full or limited use of Cash Management to employees.
How do I sign up for Cash Management?
Contact the Bank to enroll in Cash Management. We will work with you to establish the appropriate plan and service levels specific to your business needs.
I am very concerned about banking online. Can other people see my account information?
Your account information is secure. We've taken significant precautions to ensure our system meets the latest security standards, including using the latest security encryption methods and software.
How frequently is my account information updated?
The Bank updates all customer information nightly. Whether you access your accounts using Cash Management or visit one of our branches, your account information is updated every Monday through Friday evening to reflect all account activity since the last update.
Can I look at all of my transactions at any time?
Yes, with Cash Management, you have access to your account information 24 hours a day, 7 days a week!
How do I get a Cash Management Access ID and password?
The Bank will set up the Systems Administrator for your company. Additional users can be added and given individual Access IDs and passwords once your enrollment application has been approved and your account set-up is complete.
Is my user ID case sensitive?
Yes. Access IDs are case sensitive and must also be unique to the system.
What is the system's password protocol?
Passwords need to consist of at least 1 number and 1 letter with a minimum of 6 characters and a maximum of 10 characters.
Is my password case sensitive?
Yes.
What is the process to get set up?
The set-up procedure for new users on Cash Management is easy. You may either contact your relationship manager or the Customer Service Department to get started.
If I want to add an account to my records, will I be able to view it and process transactions against it immediately?
You will need to contact the Bank to add an account to your Cash Management records. The procedure is normally complete within 24 hours.
How long is the transactional history available with Cash Management?
You can access transactional information for the current month and the previous month. To retain history you can also export transactions to an excel file, MS Money, Quicken or QuickBooks.
Can I transfer funds from/to my accounts at other financial institutions?
Depending on your level of service, you can initiate a wire transfer or originate an ACH file transfer.
Can I transfer funds between my personal and business accounts?
Sole Proprietors can make transfers between personal and business accounts. This feature is not available for corporate, government, public entity, or nonprofit accounts.
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Can I approve the transfer of funds initiated by employees?
Yes. With Cash Management you define access levels and set transfer limits for each employee. The Bank will set up the access levels you request.
What should I do with the confirmation numbers I receive after initiating a transaction such as a transfer?
You may either print the screen or simply make a note of the confirmation number for future reference. Confirmation numbers give you assurance that your transaction has been sent to the Bank for processing.
Can I transfer my information into my Quicken or MS Money program?
Yes.
I can't remember my user login and password, what do I do?
Click on the "forgot password or forgot Access ID" link and the system will send you an email or contact
or call 1-877-226-5820.
How many times can I input my password before I am locked out?
The system will allow you three tries before locking you out.
I am locked out, what do I need to do?
Contact or call 1-877-226-5820. You'll need to provide your Access ID information along with the answers to your security questions.
I clicked on the back browser arrow and I lost my connection. Why is this happening?
For your security, the system security setting does not allow you to use the back browser arrow.
Can I view my loan account and loan activity?
Yes. If you have asked to have that account added to your list of accounts for Online Banking. Once the account has been added you will be able to view the account.
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Can I pay bills online?
Yes. To request Bill Pay, contact
or call 1-877-226-5820.
Does Cash Management include Bill Payment?
Yes. Bill Pay is included in Cash Management. The service is state-of-the-art and you will find it very easy to use.
Does my password ever expire?
Passwords expire every 90 days. The service will prompt you to change your password upon expiration.
Can I access Cash Management when I am away from my office?
Yes, you can. The program is browser based and you can access your balances and perform transfers from any remote location. ACH file transfer functions will need to be handled from your office location.
Can multiple users login to Cash Management from more than one computer at the same time?
Individual users can login to Cash Management at the same time, but they cannot access the same accounts. Users set up in a view only mode can view an account accessed by another user at the same time.
Do funds transfers happen in "real time"?
Funds transfers do not process until day-end processing. The transactions will memo post to your account and be reflected in your available balance.
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e-Statements — Frequently Asked Questions
What are e-Statements?
e-Statements are an electronic method of receiving your account statements through our online Internet Banking service. e-Statements are available for both business and personal accounts.
What do e-Statements look like?
e-Statements include the same information as paper statements including check images and informational messages.
How do I sign up for e-Statements?
Call customer service at (877) 226-5820, visit your local branch or send
. Tell them you want to enroll in e-Statements and they will take care of the rest. You must enroll in Personal Internet Banking or Business Cash Management to receive e-Statements.
What happens next?
An e-mail will be sent to the e-mail address provided by you during enrollment, containing instructions to view the "Electronic Disclosure and Consent" document. After clicking on the link, fill in the required fields and click the "I Consent" button to confirm your enrollment for e-Statements.
Customer Service will be notified when you click the "I consent" button and an email will be sent to you confirming your account has been changed to receive e-Statements and will begin with your next statement.
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Will customers need a password to view their e-Statements?
You will be able to view your e-Statements when you login to Internet Banking, select an account and click the Documents button. No additional password is necessary.
Can customers request both an e-Statement and a paper statement?
No, customers choose between an e-Statement or paper statement.
Can I request a paper statement?
Your statements will be stored for you on our secure server. You may also download or print them for your own files.
I have two checking accounts and a savings account. Do I need to register all three?
Yes, you need to submit an e-Statement enrollment form for EACH checking or savings account you have.
Can I combine my accounts so I only get one e-Statement?
No. For your convenience we will provide separate e-Statements. If an account closes for some reason, the statements for the other accounts will still be available.
Can I download my statement information to Quicken or Money?
Yes, you may download statements to Quicken, Quickbooks or Money.
What if I change my e-mail address?
Call customer service at (877) 226-5820 or visit your local branch to change your e-mail address as quickly as possible. If you do not notify the Bank, and we do not have your current e-mail address, you will not receive notification that your e-Statement is ready for viewing.
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Can I switch back to paper statements?
Yes. Contact customer service at (877) 226-5820 or send
.
What equipment or software do I need to view my statements?
You will need all of the following:
- An e-mail account to receive your e-Statement notification
- Any PC or Macintosh computer that has an Internet connection
- An Internet browser capable of 128 encryption for security (Internet Explorer 5.5 or higher, for example)
When is my new online statement ready for viewing?
Statements are run at the end of each month. You will receive an email notice that your e-Statement is ready for viewing. You'll most likely be able to review your e-Statement days earlier than a traditional mailed statement.
Which will I receive faster, mailed paper statements or online statements?
Online statements are faster. With online statements, you will not have mail service or postal delays.
Are online statements as secure as mailed statements?
e-Statements are stored in a secure manner. Traditional mailed statements can be stolen or lost, but your e-mail statement is stored on the Bank's secure server.
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Ultimate e Checking — Frequently Asked Questions
What do I have to do to meet the Direct Deposit requirement?
There are several ways you may sign up for Direct Deposit: contact the Social Security Administration and have your monthly check set up on Direct Deposit; contact your employer to see if they offer payroll Direct Deposit; dividend checks may be set up on Direct Deposit; or set up a recurring transfer from an account at another bank to have a deposit made into your Ultimate e Checking account.
How do I sign up for Internet Banking and Online Bill Payment?
When you open your Ultimate e Checking account, our Customer Service Representative will sign you up and explain how to login to Internet Banking. You will then be shown an Internet Banking demo that will walk you through the Online Bill Payment process which you then can set up at home.
How does the split interest rate for Ultimate e Checking work?
Accounts will earn a high yield interest rate on balances up to and including $25,000 and our current regular checking interest rate on balances over $25,000. If requirements are not met you will earn the current regular checking rate on the entire balance.
Can the interest rate change on my Ultimate e Checking account?
Yes. The interest rate can change anytime.
Will Ultimate e Checking customers receive a tax statement reflecting interest earned over the year?
Yes.
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If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, if the requirements are met.
If I fail to meet the requirements during a statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, each month is viewed as a new requirement period.
If I miss my requirements by only one POS transaction, may I call in and get the high yeild interest anyway?
No, rewards are only given to customers who meet the requirements within the timeframe of the statement cycle. In order to prevent missing meeting the POS requirements, give yourself plenty of time for the transactions to be posted to your account. We suggest that all transactions are completed five days prior to the end of the statement month (the last day of the month).
What is the statement cycle for Ultimate e-Checking?
The statement cycle is the last business day of each month. Transactions must be posted to your account prior to the last day of the month.
If I use my debit card at an ATM, will the transaction count toward my requirements?
No. Transactions at ATM machines do not count towards the Visa® Check Card transaction requirements. Purchases or transactions made over the Internet or Telephone are also excluded. Only debit card/POS transactions count. (Transactions made in person with your card)
May I "carry forward" POS transactions in excess of the required number of transactions to the next statement cycle?
No. Each month starts a new requirement cycle.
Can I have an Ultimate e Checking account if I don't own a computer?
Yes, as long as you have a valid email account. Free email accounts are available through several different websites. Public libraries have internet access to help with this also.
Is there a minimum balance requirement in order to receive my rewards?
The Bank does not require a minimum balance as long as the requirements are met.
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