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What services are available from
Online Banking?
You can review transactions and print statements, pay bills, issue
stop payments and transfer funds between accounts. You can also
select, sort and export transactions to personal financial management
applications, such as, Microsoft Money or Excel and Intuit’s
Quicken (note-some versions of these programs work better than
others). E-Cash Manager is a more sophisticated online banking
product geared towards larger businesses that provides additional
options such as initiating ACH files and allows for more efficient
management of your available funds.
What are the system requirements to access Online Banking?
You need to access the Internet. Your Internet connection needs
to be Internet Explorer version 6.0 (or greater) or Netscape
6.1 (or greater) or Firefox 1.0 (or greater)to take full advantage of encryption (data scrambling)
protection. If your system is not setup with the correct version
of Internet software, you can download the appropriate version
by going to either www.microsoft.com or www.netscape.com. (Lesser
versions of your browser will not display all menu options nor
will the encryption function properly).
How much does Online Banking cost?
Online banking is free to any customer who maintains an account
relationship with BankVista.
How do I sign up for Online Banking?
Enrollment instructions for online banking can be found at our
website www.bankvista.com or you can contact a banker at our
office in Sartell, MN at 320-257-1600. Enrollment in the E-Cash
Manager Product requires assistance from a banker.
How secure is Online Banking?
At BankVista, we understand the importance of customer security.
Protecting your information is our number one priority. We have
selected a third party vendor to support this product that has
an excellent reputation in the industry. They use the following
security measures:
- Encrypted Data
- Passwords to Restrict Access
- Multiple Layers of Firewall Devices
- Multifactor Authentication
Data transmitted over the
phone lines is scrambled using 128-bit Secure Socket Layer encryption.
Please verify that a secure connection
is established by looking for a picture of a lock (Microsoft Internet
Explorer) or a key (Netscape Navigator) in the lower portion of
your screen. Without these symbols, you do not have a secure session.
The online product has a “Security Statement” explaining
in greater detail the various security procedures in place.
What if I forget my password or want to change it?
You will be allowed three attempts to access your account before
it will be restricted for security reasons. If this occurs, contact
a banker to reset your account and password. After successfully
logging into your account, you can change your password at any
time by clicking the “change password” link.
If I have a problem what should I do?
Use the “contact” button on our website and email a
description of your problem to us or call a banker at 320-257-1600.
How current is my account information?
Transaction information is current to the minute! Most of your
transactions will be processed “real time” and reflected
in the online banking systems immediately.
What if I don’t see all of
my accounts?
It is possible that certain accounts in which you have signatory
authority might be stored under a different name or tax identification
number. Contact your banker to obtain a more detailed explanation.
What happens if I try to pay a bill online and lack adequate funds?
Bill payments will not be deducted from your account or paid unless
there are sufficient funds present in your account on the scheduled
payment date. You will receive a notice explaining a particular
bill could not be paid and that alternate arrangements should
be made.
Is there a Cut-off Time?
Yes- the agreement and the online summary screen states that transactions
after 5:00 CST are posted in the next scheduled business day.
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