The Peoples Bank

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Frequently Asked Internet Banking Questions

Q: What is Internet Banking?
A: Internet 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 Internet Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, the Internet Banking product stores your User ID, password and user preferences.

Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q: What accounts will I be able to access through Internet Banking?
A: You can access your Checking, Savings, Centennial, CD's, Mastercard, Custodial IRA and Loan accounts from the Internet Banking service. Our Internet 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: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current week along with the previous four weeks, or you can choose to view your account from the current date to same date of the previous month.

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: In what formats can I download my transaction history?
A: Internet Banking supports downloads to Quicken TM, Microsoft Money TM or as a comma-delimited text file.

Q: Can I schedule future transfers?
A: Yes, open, future and recurring transfers can me made. Future transfers can be dated up to five years in advance of the posting date.

Q: When can I use Internet Banking services?
A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demonstration Site that is located on our home page.

Q: How long can I be inactive before being logged out of the Internet Banking product?
A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer, Netscape Navigator or America Online. You can use any computer that has Internet access.

Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration form and submit it to us. During the registration process, you will create a password. Once your registration form has been submitted we will process your request for approval. After approval, The Peoples Bank will send to you via mail an FI key which will consist of a string of letters and numbers. During your initial login, using the password that you created, you will be prompted to enter the FI key that was mailed to you. For security reasons, you will next be required to change your Customer ID which will be your social security or tax identification number. You must have an existing Checking, Savings, Centennial, CD, Mastercard, Custodial IRA or Loan account before banking online.

Q: Can I create my own password which is easy for me to remember?
A: Yes, after you use your assigned password at the initial login, you may change it by going into your User Options. If you have any questions about changing your password, please give us a call at 620-672-5611.

Q: What happens if I forget or lose my password?
A: If you selected the Forgotten Password Feature when first logging into Internet Banking, simply follow the steps to sign in, otherwise, give us a call at 620-672-5611 and we will assist you to getting back into the system.

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