- Exactly what equipment and software do I need to access The First National Bank of Suffield’s Internet Banking?
- Is the Internet safe and secure for online banking?
- Can anyone else see my account information? Is it out in the public?
- What if The First National Bank of Suffield’s Internet Banking goes down? Will my payments be made, will my transfers go through?
- How long does it take for a payment to reach my payee?
- What type of accounts are included in The First National Bank of Suffield’s Internet Banking?
- Can I have more than one checking account linked to The First National Bank of Suffield’s Internet Banking?
- How current is this information?
- Should the payment date I give be the date the payment is actually due?
- How soon are the funds actually taken out of my account?
- What happens if I don’t have enough money in my account to cover a bill payment?
- When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?
- Why does it take a few days to process payments?
- What should I do if a payee has not posted my payment?
- How can I prove payments and transfers were made?
- How much does it cost to use Bill Pay?
- Will I be charged the monthly service fee even if I don’t make any payments?
- How will the payments be made?
- Can I choose the method of payment?
- Does The First National Bank of Suffield’s Internet Banking work with Quicken®, or other financial software?
- I can view other areas of The First National Bank of Suffield’s website, but I can’t get into Internet Banking. What’s wrong?
- What is the Bank’s ABA/Routing transit number?
- Can I enroll a Business or a D/B/A account for Internet Banking access?
- I have a MAC computer; can I use The First National Bank of Suffield’s Internet Banking Product?
- Can The First National Bank of Suffield’s Internet Banking product remember my sign-on ID and password so I don’t have to keep entering it each time I go into the system?
- How do I add an account on The First National Bank of Suffield’s Internet Banking product after my original enrollment?
- Can I rename an active account within The First National Bank of Suffield’s Internet Banking product?
- Why does my ATM balance differ from my balance with The First National Bank of Suffield?
- How do I update my transaction history to account for manual checks, ATM transactions or Point of Sale purchases?
- I have already set up a schedule of transfers between accounts, or allotments, through a First National Bank of Suffield office. Can I edit or stop these transactions using Internet Banking?
- What is the funds transfer cut-off time? What about recurring transfers?
- Can I see what my next loan payment amount due is on Internet Banking?
- How many transfers per statement cycle can I make from my Passbook Savings, Statement Savings or Money Market Checking accounts?
- What is the cut-off time for regular (not recurring) Bill Payments?
- When do future-dated payments and Bill Payments created on weekends and holidays get deducted from my account and processed?
- Can I make a Bill Payment from an account other than a checking account (such as a line of credit account)?
- How do I make a payment as quickly as possible?
- What if I make an error in a Bill Payment request? How do I change the amount, the payee or cancel the entire transaction?
- What other services does The First National Bank of Suffield’s Internet Banking offer besides Account balances, Online Transaction Activity, Online transfers and Bill Payments?
- Can I open a new account online? Can I add owners to an existing account online?
- How do I download to financial software?
- Who can I call or contact if I have a question that is not addressed in these FAQ’s?
Exactly what equipment and software do I need to access The First National Bank of Suffield’s Internet Banking?
Answer:
You’ll need an Internet service provider (ISP), a modem (the faster the better, but at least 28,800 baud or higher is recommended), and Browser software which supports 128-bit encryption, Secure Sockets Layer 3.0 (SSL). For best results, we recommend Microsoft Internet Explorer 8 or higher or Firefox 9.0.1 or higher. In all cases it is important that you be on the most recent release of whatever version you are on. To find out if you are using a browser version that supports SSL: Open your,Internet Explorer, go to Help then About Internet Explorer. Some information will appear. You want to look for Cypher Strength. In Firefox, go to the tools menu, then click on options, then on the encryption tab. The level of encryption should show a check mark next to -use SSL 3.0-
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Is the Internet safe and secure for online banking?
Answer:
Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all
communications including transactions and use of the Mailbox feature within the
system. This is currently the highest level of security available for
Internet transactions.
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Can anyone else see my account information?
No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your Sign-On ID and Password and
passing through our Dual Authentication system.
You can help safeguard your information and the banking systems by protecting
your Sign-On ID and Password. A proper combination of your Sign-On ID and
Password is the only way to get access into your account. Please be careful
to keep this information secure and remember to Signoff Internet Banking when
you are through with your banking needs.
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What if The First National Bank of Suffield’s Internet Banking goes down? Will my payments be made, will my transfers go through?
If The First National Bank of Suffield’s Internet Banking and all of our back up systems were to go down, you can be comfortable that any transaction for which
you had already processed, prior to the system going down, will go through. If
you were in the middle of a transaction and there is some question as to
whether the system has received the request, you may feel free to contact the
bank to ensure your transaction request has been accepted.
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How long does it take for a payment to reach my payee?
Each payment made by The First National Bank of Suffield’s Bill payment system will be processed either by paper check or by electronic funds transfer. If the payment is made through electronic funds transfer, it will take 1-3 business days for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days (5-7) depending on where the payment is to be sent. The safest thing is to always schedule your
payments at least seven business days ahead of the date they are due. This will
ensure that the payment will be made and processed in time.
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What type of accounts are included in The First National Bank of Suffield’s Internet Banking?
You can access the following types of accounts. Note that balances and
histories will be available for all of these accounts; but that some accounts
will be limited as to what transactions customers are authorized to process
online.
- Checking – All types
- Savings- Statement and Passbook
- Health Savings Accounts
- Loan – All types
- CD’s/IRA’s
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Can I have more than one checking account linked to The First National Bank of Suffield’s Internet Banking?
Answer:
Yes. You can link all of the accounts you have ownership rights to on to The First
National Bank of Suffield’s Internet Banking. When you enroll online you
will be asked which current accounts you would like linked to Internet
Banking. If you open accounts at a later date you have the option of
linking them at that time. Note that only checking accounts can be linked
to the Bill Payment functions.
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How current is this information?
Answer:
All posted transactions are immediately viewable as our Internet Banking system is
online/real-time with the Banks main customer database. Transactions such
as transfers between two online accounts will update our main customer database
real time. Bill Payment requests made using Internet Banking are
processed only once per day; the funds are deducted from your account at
approximately 2:00 p.m. each business day. Certain transactions, such as
ATM and Point of Sale transactions, can take longer periods to clear; and will
not be deducted from your online account balance until they have cleared the
Bank’s main customer database.
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Should the payment date I give be the date the payment is actually due?
Answer:
No. You should allow at least seven (7) business lead days for the payment to reach your payee. If paying bills, the system will default to the current date (You cannot backdate transactions). Even though you can determine if the payment will be made electronically or with a paper check, you should enter a date at least seven (7) business days before the actual due date. Be sure to take into
account that although you can schedule a payment at any time, payments are
actually initiated (sent to the payee) once each business day, at approximately
2:00 p.m.
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How soon are the funds actually taken out of my account?
Answer:
Funds will be deducted from your account on the same day as the scheduled processing date (Send Date).
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What happens if I don’t have enough money in my account to cover a bill payment?
Answer:
If your account has sufficient overdraft protection to cover the payment, we’ll
draw against that. Otherwise, the payment will be dishonored for insufficient
funds and the payment will not be processed. You will receive an
online Mailbox message from our bill payment system stating the transaction was
unable to be processed. The system will not attempt to process the
payment request at a future date when there are sufficient funds in the
account; you will need to re-request the bill payment manually.
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When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?
Answer:
Bill payments are processed each business day (Monday – Friday, excluding Bank Holidays). Each payment made by The First National Bank of Suffield’s Bill payment system will be processed either by check or by electronic funds transfer. If the payee accepts electronic payments, it may take 1-3 business days for the payment to reach your payee. If the payee cannot accept electronic payments, a paper check
will be processed and will be delivered via the postal service. Delivery could
take several days (5-7) depending on where the payment is to be sent.
We recommend you to schedule your payments at least seven (7) business days
ahead of the date they are due. This will ensure that the payment will be made
and processed in time.
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Why does it take a few days to process payments?
Answer:
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, our bill payment provider must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your
account. Even for electronic payments, it may take two or three days for your
payment to be posted. By allowing a few days for processing and delivery, you
can guarantee that your bills are paid on time.
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What should I do if a payee has not posted my payment?
Answer:
You need to allow several business days (1-3 for Electronic and 5-7 for Paper
Check) for your payee to process your payment. If your payee has not posted the
payment to your account after at least ten (10) business days, contact bill payment
support via online chat or call 1-800-617-1048
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How can I prove payments and transfers were made?
Answer:
You can see the status of processed bill payments by clicking on payments, payment history within the bill pay system. You can also see the status of transfers you created within the bill pay system by clicking transfer, payment history. Transfers between FNBS accounts will appear in your Internet Banking Transaction Activity screens. Bill Payments and transfers also appear on your Transaction Activity screen. If the Clr column is marked with the word ‘cleared’, the transfer or Bill Payment has posted against your account.
Your monthly statement from your payees will indicate the date the payment was
posted and amount of the payment. Your monthly bank statement will show
“External Withdrawal” and the name of the payee, but will not show the
reference number.
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How much does it cost to use Bill Pay?
Answer:
The First National Bank of Suffield’s Consumer Internet Banking and Bill Payment service is FREE! This service allows you to view your account balances, view your account history, transfer money and make loan payments to your First National
Bank of Suffield accounts in addition to paying bills, some special services
within the bill payment section may incur a fee. Fees do apply to the Business
Internet Banking and Bill Payment Services.
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Will I be charged the monthly service fee even if I don’t make any payments?
Answer:
No,
there are no charges for The First National Bank of Suffield’s Consumer Bill
Payment service.
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How will the payments be made?
Answer:
We use two methods of payment:
- Electronic – The First National Bank of Suffield’s
bill pay provider sends an electronic credit to your payee. These
payments will reach the payee within 1-3 business days.
- Laser Draft – A paper check is sent to your payee by mail. These payments should reach the payee within 5-7 business days.
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Can I choose the method of payment?
Answer:
No. Our Bill payment servicer establishes electronic payment agreements. If an agreement exists, the payment will be processed electronically. If not, then a
paper check is produced and mailed.
Over time, agreements may be made with more payees that could not accept electronic payments previously. At that time your payments will automatically be paid electronically.
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Does The First National Bank of Suffield’s Internet Banking work with Quicken®, or other financial software?
Answer:
Yes. The First National Bank of Suffield’s Internet Banking was designed to be highly compatible with popular personal finance software packages. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) with downloading capability right into your computer. You can access this downloading capability from the Export button that appears on the right hand side of the Account Transaction Activity screen. Downloads to other software formats can be obtained by selecting the export format you need.
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I can view other areas of The First National Bank of Suffield’s website, but I can’t get into Internet Banking. What’s wrong?
Answer:
If you are able to view other areas of our web site, but are unable to access The First National Bank of Suffield’s Internet Banking, it may indicate that you are having a problem accessing secured sites in general. Both your browser and Internet Service Provider must support secured sites. Refer to the requirements for using The First National Bank of Suffield’s Internet Banking system. Using other browsers may prevent access to our Internet Banking system. Another reason you might not be able to access Internet Banking is that your cookies may not be enabled. In order to enter the secure encrypted site you must accept the cookies. To enable cookies
for Internet Explorer 8.0 , Firefox 9.0.1or
higher:
In Internet Explorer 8.0 or higher:
- On the Tools menu, click Internet Options
- Click the Privacy tab
- Select the Advance… button
- Click On Override Automatic Cookie Handling and Always allow Session
Cookies
- Click OK and OK to accept the new settings.
In Firefox 9.0.1 or higher:
- On the Tools menu, click on Options
- Select Privacy.
- Make sure a check mark is next to “accept third party cookies”
- Click OK
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What is the Bank’s ABA/Routing transit number?
Answer:
The First National Bank of Suffield’s ABA/routing transit number is 011102353
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Can I enroll a Business or a D/B/A account for Internet Banking access?
Answer:
Yes, after clicking on the Enroll online button, you will be presented with the following choices:
Enroll a Person or Enroll a Business. If you are a D/B/A, you will need to
enroll as a person.
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I have a MAC computer; can I use The First National Bank of Suffield’s Internet Banking Product?
Answer:
Yes, Macintosh users are able to use Internet Banking without experiencing service
problems. If you do experience problems, we will attempt to assist you, however, technically, The First National Bank of Suffield’s Internet Banking product does not support Macintosh users and we may not have a solution to a particular problem. Unfortunately, Macintosh users who use AOL as their ISP will not be able to access our Internet Banking Product.
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Can The First National Bank of Suffield’s Internet Banking product remember my sign-on ID and password so I don’t have to keep entering it each time I go into the system?
Answer:
No. For security reasons, our Internet Banking product will not remember a sign-on
ID or password. You will have to enter both of these each time you begin a
session. To change your password, click on Account Services and
then select My Prifile
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How do I add an account on The First National Bank of Suffield’s Internet Banking product after my original enrollment?
Answer:
Click on the Account Services tab found at the top of the Accounts screen, select Account Management then Add Account. Complete the form and click Continue to submit your request. Sign out of Internet Banking and then sign back in to see the new account appear on your Accounts page. Don’t re-enroll to add accounts. If you have already enrolled as an Internet Banking user, but have not received your sign-on ID and password yet, please wait until receiving these items to request that accounts be added to your online access.
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Can I rename an active account within The First National Bank of Suffield’s Internet Banking product?
Answer:
Yes, but this will only rename your account on The First National Bank of Suffield’s Internet Banking product. This change will not affect the main customer
database at the Bank. Click on the Account Services tab, Account Management then select the account name you want to edit. Edit button found at the top of the Accounts screen Complete the form and click Save. This change takes effect immediately.
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Why does my ATM balance differ from my balance with The First National Bank of Suffield?
Answer:
The ATM is an online system, meaning all posted transactions and balance
information are immediate.
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How do I update my transaction history to account for manual checks, ATM transactions or Point of Sale purchases?
Answer:
These items appear on The First National Bank of Suffield’s Internet Banking as soon as they are presented to the Bank. If you would like to account for them before that time, click on the Add Transaction button found at the bottom
of the Transaction Activity screen and enter the transaction information as
precisely as possible. When the transaction is presented to the Bank’s main
customer database, the Internet Banking product will attempt to match to the
entry you have made and therefore, it should not appear as a duplicate transaction. If details on the added transaction differ from the actual transaction, such as the amount, the actual transaction will not overwrite the added transaction and in that case you will want to delete the added transaction manually. The number and dollar amount of items added using the Add Transaction button will appear in the Pending Transactions line at the top of the Transaction Activity. You have the option of having them not appear in the Transaction Activity by checking the “ Hide Pending ” box.
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I have already set up a schedule of transfers between accounts, or allotments, through a First National Bank of Suffield office. Can I edit or stop these transactions using Internet Banking?
Answer:
No. If you have arranged for transfers or allotments but did not do so using The
First National Bank of Suffield’s Internet Banking product, you will not be able to change anything about those transactions online. You must call or visit an office during regular business hours to make any changes.
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What is the funds transfer cut-off time? What about recurring transfers?
Answer:
One-time transfers between FNBS accounts made within Internet Banking are processed immediately; there is no “cut-off” time. Future dated or recurring transfers are made at approximately 3 p.m. on the date requested. Transfers made through the bill pay service will be processed and posted as designated by the bill pay system.
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Can I see what my next loan payment amount due is on Internet Banking?
Answer:
Yes, if your online agreement has access to that loan account, click the Account Details link that appears at the top right hand side of the Transaction Activity screen for the Loan account. This will display several pieces of information including the next loan payment amount due.
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How many transfers per statement cycle can I make from my Passbook Savings, Statement Savings or Money Market Checking accounts?
Answer:
Transfers out of these accounts by Internet Banking do count toward the allowable maximum number of “pre-authorized” transfers per statement cycle. Federal regulations currently allow a maximum of six (6) such transfers within a statement cycle per account. For further details please refer to The First National Bank of Suffield’s account disclosure brochure that you were given upon opening these accounts. Or you may call any office to obtain a new brochure or request clarification on this federally mandated limitation.
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What is the cut-off time for regular (not recurring) Bill Payments?
Answer:
Regular payments that are requested for processing before 2:00 p.m. (approximately) on a particular business day will be processed that day. If requesting payments
after 2:00 p.m. on a business day or on a weekend or a Bank holiday, they will
be processed on the following business day.
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When do future-dated payments and Bill Payments created on weekends and holidays get deducted from my account and processed?
Answer:
Future-dated Bill Payments scheduled for processing on a particular day are deducted at approximately 2:00 p.m. that day. When you setup a recurring payment the system will ask you when you would like the payment processed, before or after a non-business day.
Bill Payments entered on weekends and holidays are deducted from your accounts
the next business day and processed on the following day.
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Can I make a Bill Payment from an account other than a checking account (such as a line of credit account)?
Answer:
No. You can only make Bill Payments with a checking account. However, you may transfer the money into the checking account before requesting a Bill Payment.
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How do I make a payment as quickly as possible?
Answer:
For a fee our bill pay service will allow you to send payments overnight or 2nd day. The fees are listed online when you chose this option.
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What if I make an error in a Bill Payment request? How do I change the amount, the payee or cancel the entire transaction?
Answer:
If the payment has not been processed yet you will see an edit link next to the payment on the Bill Payments screen. Click on this link to modify any details of this transaction and then click Continue to update. To delete the entire transaction, click on “stop” then “stop payment”. In the event your payment has already been processed you will need to contact the Bank for further assistance.
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What other services does The First National Bank of Suffield’s Internet Banking offer besides Account balances, Online Transaction Activity, Online transfers and Bill Payments?
Answer:
You can view and print statements and check images, you may also request a new ATM or Master Money debit card, a reorder of checks, a safe deposit box or an address change. Note: these are requests only; an email message will be sent to the appropriate bank department for processing. These requests are processed on Bank business days only and during regular business hours. To access the request forms click on the Account Services button found on the tool bar Then select Requests
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Can I open a new account online? Can I add owners to an existing account online?
Answer:
No. For security reasons and your protection, The First National Bank of Suffield has chosen to only allow accounts to be opened at one of our offices. As we need to verify the identity of new people added to accounts, we are also unable
to allow you to add owners to existing accounts online. Please visit any office
during regular business hours.
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How do I download to financial software?
Answer:
If you are using software packages, such as Peachtree, you should choose the “comma separated values” option in the Export box. Click on the Export option from the Transaction Activity screen. Please note that, technically, The First National Bank of Suffield’s Internet Banking only supports Quicken downloads through this option, but other packages will accept such CSV files.
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Who can I call or contact if I have a question that is not addressed in these FAQ’s?
Answer:
You may call or stop by any office during normal business hours. The telephone
numbers are:
| Location | Telephone Number |
| Main Office in Suffield | 860-668-3950 |
| West Suffield Office | 860-668-3958 |
| East Granby Office | 860-653-9416 |
| Windsor Locks Office | 860-627-6773 |
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*CAUTION: Email sent through the Internet is not secure and could be intercepted by a third party. As such, for your protection, please avoid sending identifiable
information, such as; account numbers, Social Security number, or debit card and ATM card numbers. Additionally, we request that you do not send any time-sensitive or action-oriented requests or messages (such as stop payment orders, funds transfer instructions or transactions orders) to this e-mail address. These requests should be initiated at the appropriate point within the Internet Banking application, or by contacting any office location.