Frequently Asked Banking Questions
Q: Are my deposit accounts FDIC insured?
A: Yes! Each depositor is insured by the FDIC up to at least $250,000 per account.
Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing/transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
Q: How do I set up Direct Deposit of my Social Security check?
A: After your checking application has been approved, you will receive our routing/transit number and your account number. Simply Contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.
Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Representatives during business hours by calling 800-321-3176 or 731-285-4410. You may also call our 24 Hour First Connection Phone Service at 800-381-3262 or 731-286-5064.
Q: Is interest paid on my checking account?
A: We offer several different checking accounts, some of which are interest-bearing account. Call us to discuss the interest-bearing account that is right for you.
Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs
Q: Can I look at all of my transactions at any time?
A: Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How frequently is my information updated?
A: Your account information is updated every business day with new transactions that posted to your account the previous day.
Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.
Frequently Asked Online Banking Questions
Q: What is Online Banking?
A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Online Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more.
Q: How current is my banking information?
A: Your account information is always up to date reflecting transactions as they are posting to your account.
Q: What accounts will I be able to access through Online Banking?
A: You can access your checking, savings, and loan accounts from the Online Banking service. Our Online Banking Product is intended to give you as much access, security, and versatility as possible.
Q: How much account information can I view at once?
A: You will be able to choose from multiple search options to view your account history. Call us if you have additional questions.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: Can I schedule future transfers?
A: Yes. You can schedule future and recurring transfers.
Q: When can I use Online Banking services?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How long can I be inactive before being logged out of the Online Banking product?
A: The inactivity time out default is set for 20 minutes.
Q: What is required to use the Online Banking service?
A: All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer® or Netscape Navigator®. You can use any computer that has Internet access.
Q: How do I access Online Banking?
A: You can register online or call 731-285-4410 for assistance.
Q: Can I create my own password that is easy for me to remember?
A: Yes. You create a temporary password during the registration process. When you log into online banking the first time, you will be prompted to change your password and setup your security questions. Anytime you wish to change your password you can go to User Options and select "Change Password".
Q: What happens if I forget or lose my password?
A: When you first access online banking, you have the option to answer three security questions which will allow you to reset your password should you forget it in the future. If you choose not to utilized the reset password feature, you will need to call for customer support at 731-285-4410 or 800-321-3176.
Q: Can I create my own username rather than using my social security number?
A: Yes. After you access Online Banking the first time, go to User Options and select "Change Username".
Frequently Asked Security Questions
Internet Security Tips
The Online Banking service has several effective security techniques that we encourage you to implement when you use the Online Banking service:
Frequently Asked Bill Pay Questions
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'
Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy!
The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented instantaneously.
Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: You have the option to order a CD summary straight from Bill Pay.
Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.
Q: When can I start using electronic bill payment?
A: Once you have enrolled, you will have access to pay all your bills.
Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.
Q: Are my bill payment transactions reflected as Online Banking transactions?
A: All bill payment transactions become part of the Online Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.
Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.
Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.
Q: Is there a limit to the number of bill payment accounts I can set-up?
A: No, you can set up each of your checking accounts to pay bills.
Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay almost anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.
Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.
Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.
Q: Are all debits and credits sent out at the same time?
A: Yes, they are all sent out at the same time.
Q: How is my account debited?
A: Your account is debited via ACH.
Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.
If you select an electronic payee with the address that matches that indicated on the payment coupon, and M&I routes the payment incorrectly, then Metavante will take responsibility for the late fee.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.
For all general queries, our Service Center is available to assist you Monday through Friday from 7:30am to 5pm and on Saturday from 8am to 1pm at 800-321-3176 or 731-285-4410 or via email at firstname.lastname@example.org.
Privacy & Security | Contact Us | Site Map
©2014 First Citizens National Bank. Member FDIC. Equal Housing Lender.