Account Access
Q: What can I do with Internet Banking?
A: With Internet banking, you have control over nearly every aspect of managing your accounts. You can:
- View transaction history on your Internet Banking accounts.
- Transfer funds between your authorized Internet banking accounts.
- Pay one-time, occasional, and recurring payments online.
- Download account information into Quicken® or Microsoft® Money.
- Send and receive secure electronic messages to and from our financial institution.
Q: What do I need to enroll for Internet Banking?
A: You must have an account with us, and you must have a secure Internet connection. Our Internet Banking system currently is best viewed with the latest versions of Internet Explorer and Firefox. Your browser must also be SSL compliant with 128 bit encryption.
Using Internet Banking:
Q: Can I view transactions in all accounts through Internet Banking? How far back?
A: Our Internet Banking system stores up-to-date history on all of your authorized Internet Banking accounts. The amount of history available may vary depending on the type of account.
Q: What customer service options are available through Internet Banking?
A: As always, you can telephone us during business hours for questions regarding your accounts. However, you can send us secure encrypted emails from within your Internet Banking session with any questions you may have regarding your accounts 24 hours a day, seven days a week. Incoming messages will alert you to important events and news concerning your accounts.
Signing Up:
Q: How do I sign up?
A: If you already have an account with us, please click here to complete our online application. If you’re not a current account holder, contact us to open an account today!
Q: How long will it take to be approved?
A: Once you have applied online, you should receive an email from us within 24-48 hours with your login credentials or a denial. If you need a speedier approval, contact your local branch to let them know you applied.
Q: Why would I be denied?
Common reasons for being denied are:
- Entering the wrong identification information such as SSN,etc.
- Entering account numbers with the wrong number.
- Entering an account number that you are not an owner of.
- If your accounts hold an insufficient balance on a frequent basis.
Q: What do I need to enroll for Internet Banking?
A: You must have an account with us, and you must have a secure Internet connection. Our Internet Banking system currently is best viewed with the latest versions of Internet Explorer, Firefox and Safari. Your browser must also be SSL compliant with 128 bit encryption.
Click on one of the icons below to download a browser that is SSL compliant.
Q: How long will it take to get registered for the Online BillPay service?
A: If you are already enrolled in Internet Banking, it will usually take one or two business days while we verify your account.
Security:
Q: What type of security do you offer?
A: Our Internet Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, you’re information is always safe — it’s like having a bank vault online.
Q: What is encryption and how does it work?
A: Encryption turns meaningful words and phrases into coded language. Everything that you do during your Internet Banking session becomes a string of unrecognizable numbers before entering the Internet. Your account information will read as gibberish to everyone but you and our financial institution. All of your Internet Banking sessions will be encrypted. We employ the strongest forms of cryptography that are commercially available for use over the Internet.
Q: What is 128-bit encryption?
A: A 128-bit encryption means there are 2128 possible keys that could fit into the lock that holds your account information, but only one that works for each Internet Banking session. (Try that on your calculator!) This level of encryption is so powerful that the U.S. government lists this encryption as a federal munition – meaning browsers that offer it can only be used and downloaded by citizens and permanent resident of the United States and Canada.
Q: What does SSL mean?
A: SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with secure Internet sites – meaning they have minimal risk of external violation. Once inside the Internet Banking site, our use of SSL technology keeps you and your account information secure.
Your Account:
Q: What types of security measures are taken to prevent sensitive information from being intercepted online?
A: From the moment account information leaves your computer to the time it enters the Internet Banking system, we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.
- You must enter your passcode, and we must verify it before you are allowed to access your accounts.
- Only browsers supporting the SSL security protocol can be used to log on to our system.
Once online, we make sure only you can view any information about your accounts.
- SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
- SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.
Q: What can I do to protect my account information while I’m online?
A: We take numerous steps to keep your account information secure. However, you must take precautions as well.
- Choose a good passcode – Your online passcode, along with your access ID, authenticate you when you begin an Internet Banking session. You should carefully select a passcode that is hard to guess. You should not use personal information or a word that can be found in the dictionary.
- Keep your passcode safe – Even the best passcode is worthless if it’s written on a note attached to your computer or in your checkbook. Memorize your passcode and never tell it to anyone. We do not need your passcode to help you, so we will never ask you for it.
- Change your passcode regularly – It’s important to change your passcode regularly. Every time you choose a new passcode, the Internet Banking system runs a quick program to test it. If we can guess it, we will immediately ask you to choose another one.
- Remember to sign-off properly – You may not always be at your own computer when you bank online. Therefore, it’s important to sign off when you’re finished banking. If you forget to do so, the system automatically signs you off after 10 minutes of inactivity. This will prevent anyone else from accessing your account.
- Do not access Online banking from unknown or public wifi spots. Hackers can use these spots to access information as it moves between your computer and the website.
Q: How do I know if my session is encrypted?
A: You can determine if you are in a secure session by looking for the following icons in the status bar of your respective browser:
| Browser | Secure | Unsecure |
| Firefox | No icon | |
| Microsoft Internet Explorer (any version)* | No icon | |
| *Different web browsers display these icons in different areas of their windows. All browsers offer information on the level of security they provide. | ||
Q: What happens if an unauthorized person uses my access ID and passcode?
A: You must notify us immediately if you believe your access ID or passcode has been compromised or if an unauthorized transaction has occurred. If you tell us within two banking days after you learn of a loss or theft, you can lose no more than $50.00.
Online Bill Pay
Introduction:
Q: How does the Online BillPay service work?
A: Our Online BillPay service offered through Internet Banking allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to, and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time, occasional, or recurring payments to be paid right away or a date in the future.
Q: Who can use the Online BillPay service?
A: Anyone who has access to a transaction account in Internet Banking is eligible to use the Online BillPay service once they have been authorized to do so by our financial institution. To sign up for our Online BillPay service, select the “BillPay” option for the account(s) you wish to make payments from when you enroll for Internet Banking. If you are already enrolled in Internet Banking, just contact our financial institution using our Internet Banking secure email service and let us know which account(s) you wish to make payments from.
Q: How long will it take to get registered for Online BillPay?
A: If you are already enrolled in Internet Banking, it will usually take one or two business days while we verify your account.
Making Payments:
Q: Is this where I pay my loan payments with Security Bank of the Ozarks?
A: No! If you have loan payments through Security Bank of the Ozarks, you will want to add those loan accounts to your bill pay. Once those accounts are approved, you will go to “Transfers”, then choose that loan account number in the “Transfer To” drop down box. You will also see a table asking you how you want your payments applied.
Q: How are payments made?
A: When scheduling your payment, you tell us the payment amount and the due date of the payment for the payee. Payments must be scheduled at least four business days in advance of the payment due date. The payment is sent to the payee either by check or is sent to the payee electronically to insure the payee receives the payment on the due date. The payment amount is scheduled to be deducted from your account on the payment due date.
Q: Who can I pay with this service?
A: You can pay virtually anyone you want using our Online BillPay service, as long as they have a valid U.S. mailing address.
Q: When I add a new payee, do I have to wait before I can make the first payment?
A: No. When you add a payee to the Internet Banking payee database, the payee is immediately available to schedule a payment, however you must schedule your payment at least four business days before the scheduled payment due date.
Q: How far in advance should I schedule payments?
A: To insure your payments are received by the payee by the payment due date, you must schedule your payments at least four business days before the payment due date. If your payment due date is less than four business days away when scheduling your payment, you may still make your payment using the service, but you will be responsible for any late fees that may be assessed by the payee if not received by the payment due date.
Q: When are payments processed?
A: Payments are processed each business day. Any payments scheduled on a non-business day (Saturday, Sunday, and federal holidays), you will need specify if you want it paid before or after the holiday.
Q: What if the payee does not receive my payment? Who pays any late fees?
A: Our Online BillPay service will be responsible for any late payment related charges up to $50.00 should a payment post after its due date, as long as the payment was scheduled at least 4 business days before the payment due date.
Other Important Information:
Q: What time do I need to have all of my transactions entered to insure the correct balance?
A: Our Cut-Off time is 3:00 p.m.
Q: Why do I have transactions coming through my internet banking account, but my current balance is incorrect?
A: If it is before 3:00 p.m. all of your transactions for that day will only show up as a “MemoPost” on your register. Those transactions will be reflected on the available balance, not the “Current Balance”
Q: How do I make sure my loan payments are applied correctly?
A: If you are making a payment that is not the payment amount and you want the additional funds applied to a specific place, there will be a table available that gives you options of how you want your payment applied.
Q: What if I have Internet Banking questions after banking hours?
A: Once you are logged in to your account you can refer to the “General Help” tab for frequently asked questions. For emergencies or other questions call Security Bank of the Ozarks after hour service at 573-226-3222.
