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Business Mobile Banking FAQs
How do I sign up for online banking?
Simply set up online access to begin using Online Banking. Enrollment is automatic – you can view your accounts immediately after you've accepted the online disclosure.
What information do I need to enroll?
For personal accounts, you will need to complete the online enrollment form including, but not limited to:
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- First name
- Last name
- Email address
- Zip code
- Security question (e.g., "What is my dog's name?")
- Security answer
Business customers utilize a separate site for online banking. Please contact your local branch or your Cash Management Officer at 1.877.447.4250 for more information on business online banking.
Who should I contact with questions regarding online banking?
Select "Help" in the upper right-hand corner of your Online Banking Center screen. If you are unable to find an answer to your question there, contact us at firstname.lastname@example.org or 1.866.559.5037.
Is my account information secure with online banking?
Yes. Several layers of state-of-the-art technology prevent unauthorized users from gaining access to the internal network.
What if I forget my password?
If you forget your password but have not locked yourself out from multiple failed attempts at logging in, click "Did you forget your password?" and enter in your access ID. Your password will be emailed to the address with which you set up online access. For security reasons, you will be asked to change your password.
If you incorrectly enter your password three times, you will be locked out and unable to log in. This is an added security measure to protect your personal information. You will need to contact us at email@example.com or 1.866.559.5037 to unlock your account access. To prevent a lockout, log into the Online Banking Center on a regular basis to ensure you are accustomed to the process. In addition, familiarize yourself with your challenge questions to ensure you will know the answer when prompted. Select "Options" in the upper right-hand corner of the Online Banking Center, and view your questions in the "Security Data" section. You can change the challenge questions by selecting "Edit."
Which of my accounts can I access online?
You may access any of your personal checking, savings, certificate of deposit, consumer loan and mortgage loan accounts. In addition, you may be able to access a commercial loan if you are an individual borrower. The accounts in your account list are ones that you own. If you do not see an account on which you are an owner, contact your local banker.
If I have multiple accountholders, which have online access?
For personal accounts, both the primary and secondary accountholders have online access. Each accountholder must enroll with his or her own access ID. An authorized signer will not be able to access business accounts through his or her personal online banking login.
Can I nickname my accounts?
Yes. To change your account nicknames, select "Options" in the upper right-hand corner of the Online Banking Center screen. Select "Edit" in the "Account Nicknames" section. Check the boxes of the accounts you wish to nickname. Enter the nicknames you have chosen, and select "Submit."
How current is the balance and transaction information on the Online Banking Center?
Transactions generally post in real time on a business day, up until 8 p.m., C.S.T. If you purchase an item with your debit card or make a deposit at a branch, you will be able to view these transactions upon logging into the Online Banking Center. Transactions completed after 8 p.m., C.S.T., will not post until the next business day. In addition, pending transactions will display at the bottom of your current-day transactions list, both on the Online Banking Center home page and within your transaction history.
How is my balance calculated?
The current balance listed on your account is its actual balance. The current balance does not take into consideration any holds that may be in effect or access to a line of credit or ready reserve. The available funds may be different than the current balance displayed in the Online Banking Center. The available funds listed on the home page and on the "Account Summary" page is reduced by pending debit transactions and any holds that may be in effect. If you have questions about your balance, please contact your local banker.
When are online transactions processed?
Online transactions post similarly to ATM, 24-hour telephone banking and in-person transactions. For example, if a customer performs a loan payment before 8 p.m., C.S.T., the payment will be processed immediately. If a customer performs a payment after 8 p.m., C.S.T., the transfer will post during regular nightly processing.
What sorts of transaction history can I view online?
From the "Accounts" menu on the Online Banking Center, select the account you wish to view, select "Transactions" and then pick from the following options:
- "Previous Statement" includes transactions appearing on your last statement
- "Current Statement" includes transactions from the date of the last statement through the current date
- "Recent Transactions" includes transactions from the previous business day
- "Current Business Day" includes transactions from the current business day
- "Transactions Menu" enables you to search transaction history based on specific criteria
- "Export Transaction" enables you to export transaction information to accounting software
Can I sort my transaction history?
Yes. When viewing your transactions, you can sort by selecting one of the column headings at the top of the report. You may sort the transaction history by date, check number, description or debit/credit.
How far back does online transaction history go?
You can view six months of account transactions on your deposit accounts, one year on consumer and mortgage loans and the last 15 transactions on commercial loans. Account statements are available in PDF format under "eStatements" for 18 months.
Can I download or export my account history from the Online Banking Center to my accounting software?
Yes. Your account history can be exported from the Online Banking Center. In addition, you may be able to utilize Express Web Connect with your Quicken software. Account history is available for download for six months and can be exported in Quicken, Microsoft Money or Comma Separated Values (CSV) formats.
What is the "Spending Report?"
The Spending Report is an easy-to-understand personal financial management (PFM) tool that provides you with a snapshot of your spending activity. With the click of a button, transactions display in various categories in a colorful pie chart, enabling you to see at a glance how you spend your money. MetaBank defines the pie chart categories and the descriptions associated with each category ("Mortgage," "Household Expenses," "Utilities," etc.). MetaBank offers current and previous months of history to be charted in the Spending Report.
How do I transfer funds between my MetaBank accounts?
You can complete an "Express Transfer" from the Online Banking Center home page. Simply choose the account from which you would like to transfer funds and the account to which you would like to transfer funds from the dropdown boxes on the screen. All of your eligible accounts will display in the dropdown boxes. Once you have selected the applicable accounts, enter the amount you would like to transfer and the date on which you would like the transfer to occur. Select "Next." You will be able to preview your transfer, after which it can be cancelled, modified or submitted. Upon submission, a confirmation will display showing the new balance in each affected account and the confirmation number of the transfer.
To schedule a recurring transfer, select "Advanced Scheduled Transfers" from the "Express Transfer" pane on the Online Banking Center home page. Select the frequency of the transfer from the dropdown menu (select from monthly, quarterly, semi-annually, annually, weekly, biweekly or bimonthly), enter the amount of funds to transfer and select the date on which you would like the regular transfer to begin. Select "Submit," and your recurring transfer will be scheduled.
What are the cut-off times for funds transfers?
All online transfers between accounts made prior to 8 p.m., C.S.T., on a business day will be posted in real time. Transfers made after the daily cutoff will post following nightly processing on the next business day. Transfers made on non-business days (i.e., Saturdays, Sundays and holidays) will be credited as of the next business day.
Can I place a stop payment within the Online Banking Center?
Yes. A stop payment can be placed on an individual check in the Online Banking Center. Before placing a stop payment, confirm the check has not cleared. To place the stop payment, select "Accounts," the applicable account and "Stop Payment." Enter the check number, amount and payee, and click "Next." A stop payment will be valid for six months from date of placement. The stop payment will be posted immediately if entered prior to 8 p.m., C.S.T., or will post after nightly processing if placed after 8 p.m., C.S.T. There is a fee for placing a stop payment. Contact your local banker to confirm the amount of the current stop payment fee.
Can I draw from my line of credit to transfer funds to other MetaBank accounts?
Yes. As long as funds are available on your line of credit, you can transfer funds to any of your accessible accounts.
Can I make any type of loan payment online?
Yes. You can make a regular payment, or principal-only payment online. However, all loan payoffs must be requested in person or by phone.
Can I make loan payments for more than the amount due?
Yes. On mortgage loans, personal loans and credit lines, online payments will first apply to interest, principal, escrow (mortgage loans only), fees (non-sufficient funds and legal) and late charges. The remaining amount is applied to principal. If an exact double payment is made, it will be applied to both payments due and advance the subsequent due date. If the payment is not exactly double the required amount, only one payment will be fulfilled. The remaining amount will be applied to principal. The Online Banking Center allows two months' worth of payments for mortgage loans and three months' worth of payments for personal loans.
What happens when I don't use the Online Banking Center for an extended period of time?
After 180 days without logging into the Online Banking Center, your login is considered inactive and will be purged. To regain online access, you will need to set it up again.
How do I change my access ID and/or password?
To change your password, select "Options" in the upper right-hand corner of the Online Banking Center home page. Select "Edit" in the "Password" section. Enter your current password and new password, and confirm the new password. Your new password must be at least six characters long, with a maximum of 16 characters. You must use at least one letter and one number. Remember that your password is case-sensitive.
Your access ID cannot be changed online. To change your access ID, contact us at 1.866.559.5037.
Can I change my account's assigned email address?
Yes. At this time, the Online Banking Center supports only one email address per primary accountholder. To change your assigned email address, select "Options" from the upper right-hand corner of the Online Banking Center home page.
Can I change my account's assigned address?
Yes. Select "Secure Forms" from the Online Banking Center home page. Select "Change of Address." Fill out the information on the change-of-address form, and click "Submit." A customer service representative will contact you within a few days to confirm the address change information.
What are account alerts, and how should I use them?
An account alert notifies you by email when a specific transaction occurs or when the balance in your account reaches a certain level. You can establish alerts for "Account Balance," "Check Cleared Notice," "One-Time Deposit" or "Recurring Deposit."
To create an account alert, simply select "X" from the displayed text on the Online Banking Center home page ("You have [X] unread and [X] read messages"). Select "MetaBank Alerts" and "Setup New Alert." Select the desired type of alert, and click "Next." Follow the onscreen prompts to establish the alert of your choice, verify your email address and select "Finish." Click "X" in the bottom right-hand corner of the page when you are finished.
Can I access the Online Banking Center via mobile devices?
If you access the Online Banking Center from your cell phone, tablet or mobile device, you may be able to log in if it is formatted for your screen size. The functionality has not been tested to ensure everything appears correct graphically or performs as it should on every device. You may also access your accounts utilizing our mobile app.
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