Central Bank

Central Bank Online Banking FAQs

July 8, 2008

Online Banking Click here to Print All Questions & Answers

Who can use Online Banking?

Q	Who can use Online Banking?
A	Anyone who is a Central Bank customer may sign up for and have access to their accounts through Online Banking.

Can business customers use Online Banking?

Q	Can business customers use Online Banking?
A	Yes. The same great features of Online Banking are available to our business customers. The person opening the Online Banking account must be authorized by the business to do so.

When is Online Banking available for use?

Q	When is Online Banking available for use?
A	In most cases, Online Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside our control. We process and update your Online Banking transactions only on business days. Our business days are Monday through Friday, excluding legal holidays.

How current is the information in Online Banking?

You will see transactions post to your account periodically through the day. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use Online Banking, or transfer funds between accounts, your available balance will be updated to reflect that activity. Any activity through Online Banking will be reflected immediately. All account activity processed within the bank, will periodically be updated every two to three hours. However, all transactions will be posted and be up to date by 7:30 p.m. EST. Subject to events beyond our control.

I'm having trouble accessing Online Banking. What should I do?

If you're having problems accessing Online Banking, check to see if you can access other web sites. If you cannot, contact your Internet Service Provider.

If you can access other web sites but can't access Online Banking, the system is either off-line or we're experiencing a temporary disruption of service. Please try again later.

If the problem persists, please contact Central Bank Online Banking Support at 765-883-5501. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

Can I change my ID?

Q	Can I change my ID?
A	Yes, you can. To change your 12-digit Online Banking ID to a name or number that's easier to remember, go to Log on to NetTeller Online Banking choose Options and then under personal ID, put in new ID. (You can still login using the 12-digit login ID at any time.)

What do I do if I forget my Online Banking PIN?

Q	What do I do if I forget my Online Banking PIN?
A	If you've forgotten your Online Banking PIN, contact Online Banking Customer Support at 765-883-5501.

Why doesn't my Online Banking PIN work?

There could be several reasons. You may be entering the wrong PIN. You could also be locked out of Online Banking. You are allowed three login attempts. On the third attempt, if invalid, you are locked out of Online Banking. In addition, if you have not logged in to Online Banking in the past 60 days, you will be locked out of the system. If you get locked out, please call Online Banking Customer Support and ask that your account be unlocked. You may call them at 765-883-5501 Monday through Friday from 8:00am to 5:00pm EST.

What happens if I forget to log out of Online Banking?

Q	What happens if I forget to log out of Online Banking?
A	You should always log out of the system if you're going to be away from your computer for any length of time. If you forget to log out, the system will automatically log you out after 10-minutes. Your current session will become inactive and you'll be forced to log on again to use the system.

Why does it sometimes appear that my Visa Check Card transactions are posting twice?

Merchants use telephone communication to approve transactions from your card. They receive a temporary and a permanent authorization, both of which appear on your account information. You should also see an offsetting credit in the same amount. In every case, the amount charged to your card will equal the amount of your purchase. This may occur if the Merchant has a pre-authorization process, examples are gas stations and hotels for confirmation purposes.

Where in Online Banking do I go to look at the transactions that have posted to my account?

Q	Where in Online Banking do I go to look at the transactions that have posted to my account?
A	To view transactions that have cleared your account since your last statement, choose the account your want to view the transaction for. Click on the drop down and choose transaction. To view transactions prior to your last statement, click on View Transactions Since.' Select search trans.

On a normal business day, how late can I make a funds transfer?

Q	On a normal business day, how late can I make a funds transfer?
A	All transfers requested before 5:00 pm EST will be processed that day. Any transfers after that time will be honored the next business day.

Power Pay Click here to Print All Questions & Answers

Who can I pay using Online Banking Power Pay?

Q	Who can I pay using Online Banking Power Pay?
A	Anyone that you would write a check to or authorize through ACH transactions.

How many days in advance should I schedule my payment?

Q	How many days in advance should I schedule my payment?
A	You should allow time for your payments to process. For a payment made by check, you should allow 5-7 business days. For an electronic payment, you should allow 3 days.

How do I know whether a payment will be made electronically or by check?

Q	How do I know whether a payment will be made electronically or by check?
A	Our Power Payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check.

When I pay a bill, when does the money come out of my account?

Q	When I pay a bill, when does the money come out of my account?
A	If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank – just as if you’d written it from your checkbook.

What is the Power Payment cut-off time?

Q	What is the Power Payment cut-off time?
A	Payments made before 1:00pm EST will be mailed the same day. Payments made after 1:00p.m. EST will be mailed the next business day.

Do I need to re-enter payee information each month?

Q	Do I need to re-enter payee information each month?
A	Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you’ll have to change each month is the amount you want to pay and the date you want the bill paid.

Who do I contact if I have a problem with Power Pay?

Q	Who do I contact if I have a problem with Power Pay?
A	If you have a problem with Power Pay, call Online Banking Support at 765-883-5501. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

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