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SECURITY
How does Bank of Elmwood On-line Banking security work?
DATA ENCRYPTION: the process of scrambling stored or transmitted
information so that it is unintelligible until it is unscrambled
by the intended recipient; a mathematical process involving the
use of algorithms; a secret (or hidden) writing.
WHAT? Imagine
Humpty Dumpty falling off the wall. Remember . . . “All the Kings’ horses and all the Kings’ men
could not put Humpty Dumpty together again”. Now we all know
that this is a nursery rhyme, but the point is to envision the
tiny pieces of shell and yolk being unrecognizable for even the
King to put together . . . let’s use the word ‘SCRAMBLED’.
Encryption technology, the lock and key of the information age,
works to scramble and encode information so that it can only be
read by the proper recipient. By using the highest encryption standard
available (currently 128-bit), we vow to keep your transactions
safe, easy, and reliable.
Are there any other security issues I should be aware of?
There are two additional areas you should be aware of. The e-mail
generated through the 'E-mail Bank of Elmwood' feature of the application
is not encrypted or secure and should be used only for general
questions and requests. For requests and questions requiring specific
information about your account, please call Bank of Elmwood Customer
Support at 262-554-5321 or 1800-924-BANK. Specialists are available
Monday through Friday from 8:00 a.m. to 5:00 p.m. (CST) and Saturday
from 8:00 a.m. to 12:00 p.m. (CST).
The second issue involves your browser. For added security it
is important to log off and close your browser when you have completed
your transactions in Bank of Elmwood On-line Banking.
What is a cookie?
A cookie is a piece of data passed
to your browser. Bank of Elmwood On-line Banking uses "per session" cookies
inside the secure banking environment to keep track of your session
data.
This means that as you go through the program from page to page,
the information is stored on your computer while you are on that
page, and as soon as you leave that page it is deleted. Clicking
the sign-off button ensures that all this information is successfully
deleted from your computer.
Newer browser versions have a feature that allows you to be notified
when a cookie is being handed to your system. You can disable this
option in the Network Preference/Protocols area.
To keep my banking information private, what recommendations
do you have?
- Keep your password confidential. Change it frequently to ensure
that no one else can guess it, and do not let anyone else use
it.
- Never walk away from your computer without exiting the
system first. When you are finished with your banking, click
the sign-off
button located at the top and bottom navigational toolbars
and then close your browser. Once you have ended your session, no
further transactions can be processed until you sign on to
the system again.
- Use the latest version of Netscape Navigator, Microsoft Internet
Explorer, or AOL. All of these browsers are certified for use
at our site.
BROWSER QUESTIONS
What browser do
I need to be able to use On-line Banking?
- Microsoft Internet Explorer
for Windows version 6.0 and higher
- Netscape version 6.1 and higher
- America On-line version 8.0 and 9.0
- America On-line for Macintosh OZ X
- Safari 1.2 (MAC OS X version 10.3.8)
- Mozilla Firefox 1.0.1 (Windows XP and Windows 2000)
Use these links to
download the latest version of your browser:
How can I tell which internet browser I have?
Look at the very top row of your browser where you see words across
the top. This is called the menu bar. At the right end is the “Help” menu.
Click on it and move to the bottom choice “About Microsoft
Internet Explorer” or “About Netscape Navigator”.
A screen will pop up showing what version you are using.
While trying to go back to a previous page I received a message
to enter my User ID and password. Why did this happen?
Sometimes using your browser's back button will cause you to be
logged out of Bank of Elmwood On-line Banking. For security reasons
some pages are automatically expired so that you cannot return
to them. By using the navigation toolbar found at the top of your
Bank of Elmwood On-line Banking page, you should not encounter
this problem.
Why do I get a "Certificate Expired" error
message when trying to access the site?
This will occur when you are using a browser older than the supported
versions. To resolve the problem, upgrade your web
browser to the
newest version.
How can I tell if I have a secured connection to Bank of Elmwood
On-line Banking?
The visual indicators of a secured connection
vary from browser to browser. The following is a listing of all
the major browsers
and their methods of indicating a secured connection. With all
browsers, if https is in the address bar, the "s" means
you have a secure connection.
- Netscape Navigator
- A small lock will appear in the bottom left corner of the
browser to indicate
a secured connection. If it is
locked you have a secure connection, if it is unlocked, you do
not have a secure connection.
- Microsoft Internet Explorer - A
small lock will appear in the bottom right corner of the browser
to indicate a secured connection.
What do I do if I receive the
following message: "Server is
busy or is not responding"?
Check the location/address box and make sure that the address was
typed properly. A complete web address is in the format http://www.bankofelmwood.com.
Sometimes you will receive this message when the server is busy.
Try again and the connection should be established. If after three
attempts you cannot establish a connection, please call the Bank
of Elmwood Customer Support at 262-554-5321 or 1-800-924-BANK.
Specialists are available Monday through Friday from 8:00 a.m.
to 5:00 p.m. (CST) and Saturday from 8:00 a.m. to 12:00 p.m. (CST).
Help Sources
If you still have questions regarding your browser, we encourage
you contact the company that created it. However, if you have any
questions regarding Bank of Elmwood On-line Banking or your accounts,
contact Bank of Elmwood Customer Support at 262-554-5321 or 1-800-924-BANK.
Specialists are available Monday through Friday from 8:00 a.m.
to 5:00 p.m. (CST) and Saturday from 8:00 a.m. to 12:00 p.m. (CST).
BANK OF ELMWOOD ON-LINE BANKING QUESTIONS
How do I sign up for Online Banking?
Click on the Online Banking link on the Bank of Elmwood website.
Then click on Enroll Now and you will be asked to complete a registration
screen. You will need the following information to register.
- Social
Security number
- Number of your most frequently used account at
Bank of Elmwood.
- Amount of the last deposit to this account.
- Email address
Once the registration has been completed, you will be asked
to accept the terms and conditions of Online Banking. Failure
to accept these terms will stop the registration process. Once the registration
is complete, you will receive an email recognizing receipt
of
the application form. Within two business days you should be able to
log into Online Banking at the Bank of Elmwood website. You will receive an email once your registration is processed. A confirmation letter will also be sent to your address we have on file.
What
is the Alternate Validation Information option (i.e. Forgotten
Password) mentioned on the Online Banking Registration
Form?
On the registration form you will be required to select verification questions and answers that will be used if,
at some point,
you forget your Online Banking password. This Forgotten
Password option gives you the ability to reset your password
without
contacting
the Bank of Elmwood. You can still gain access to Online
Banking even though the bank is closed.
In order to use this feature, however, you must provide
the verification information. You will select three verification
questions and
enter your answers to the questions. The answers are encrypted
and not
viewable by the bank.
If you forget your password and are locked out of the system,
you will click on the option to reset it yourself displayed
on the
Login screen. You will be asked the three questions. Your
answers will be verified against what you previously recorded.
If your
answers match, you will be prompted to create a new password.
If you choose not to use the Forgotten Password feature
and are locked out, you will be required to call the Bank
and
to have your password reset.
Am I able to change my User ID?
Yes, you will be required to change your User ID when you sign into your Online
Banking account. You can also change your User ID by clicking on User Options and Change Customer
Number.
How long will my activity be available on Bank of Elmwood On-line
Banking?
Bank of Elmwood On-line Banking supports your current and previous
statement activity.
What types of accounts can I see on Bank of Elmwood On-line Banking?
You are able to see all deposit accounts (checking, savings, money
market and CDs) loan accounts and lines of credit.
Why can’t I see my Elan Charge
Card information?
You can view your charge card information on-line at www.elancard.com.
When I try to sign on to On-line Banking I receive an error message
saying that I had an invalid login attempt. What happened?
It is possible that you have entered your username and/or password
incorrectly. The password is case sensitive,
so we recommend that you verify that your Caps Lock button is either
on or off, depending
on how you initially entered it, and that you have typed the password
correctly. Also, when entering your username, make sure you do
not include the dashes. If you still
are unable to access your account information, call Bank of Elmwood
Customer Support at 262-554-5321
or 1-800-924-BANK. Specialists are available Monday through Friday
from 8:00 a.m. to 5:00 p.m. and Saturday from 8:00 a.m. to 12:00
p.m. (CST).
Does Online Banking allow me to do my banking 24 hours a day?
Yes. Bank of Elmwood’s Online Banking is available for you
to do your banking 24 hours a day, 7 days a week, 365 days a year –you
choose what time is convenient for you. Funds transferred after
6:00 P.M. may not be available until the following business day. Funds transferred on weekends and holidays will be processed on the next business day. Please note: Periodically we may have to perform
maintenance on Online Banking, so it may not be available for short
periods of time, but this will be infrequent.
What should I do if I forget my Password?
When you register for Online Banking you create a password. At
that time you also created alternate validation
questions for the Forgotten Password feature. If you created
these verification questions, go to the Online Banking Login
screen and click on Forgot your password? Click here to reset
it yourself. You will be asked to answer the questions you
selected previously. Your answers will be validated and you will
be prompted
to create a new password.
If you did not
create alternate validation questions, contact Bank of Elmwood
Customer Support at 262-554-5321 or 1-800-924-BANK.
A Call Center representative can reset your password.
Can Account Access be denied?
If you fail to log in six (6) consecutive times the system will
lock you out. If you have not elected to use the Forgotten Password
feature, you will be required to call a customers service representative
before you are subsequently able to use the system.
Do I have to have a Checking Account to signup for Internet Banking?
No, any customer can have access. However, a checking account is
required to have access to Bill Pay.
If I register for Online Banking, will I still get a statement
in the mail?
Absolutely. You will continue to receive your scheduled statements
as usual.
Are there limits on the number of transfers I can make?
Some accounts, such as your checking accounts, have no limits on
the number of transfers you can make. However, many savings accounts,
by Federal Regulation, are allowed no more than six pre-authorized
withdrawals or transfers per month (including no more than three
checks). IOLTA Checking Accounts are not eligible for fund transfers
with the Online Banking Service. If you are not sure whether your
account has this restriction, please refer to the Rules and Regulations
booklet you received when you opened the account.
When will my transfer take place?
If you initiate a transfer before 6:00 p.m. CST, the transfer will
take place on the same business day. If you initiate a transfer
after 6:00 p.m. CST, the transfer may not be available until the next
business day.
Can I Stop Payment on a Check Online?
No, for your own protection you will need to contact the bank immediately.
Please come into any branch or contact our Customer Support at
262-554-5321 or 1-800-924-BANK.
How do I cancel a one-time transfer?
One time transfers are "real time" meaning once you submit
your transfer request, it affects the balance. To "undo" the
transfer, you have to reverse the transfer. That is, to "reverse" a
transfer you just made of $100.00 from your checking account to
your savings account, you would now need to transfer the same amount
of $100.00 from your savings account back to your checking account.
How
do I cancel a scheduled transfer?
Scheduled transfers are not "real time";
that is, they go into effect at 2:00 p.m. CST. So, if a transfer
is scheduled
for the current business day, you can still change it before the
2:00 p.m. update. Turning the scheduled number to zero will cancel
any transfer.
View your scheduled
transfers to be held in the future on each account using the "Scheduled Transfers" button. To modify
a transfer, click on the link to the account you wish to change.
It will open the transfer details you had set up. To cancel the
scheduled transfer, change the remaining transfers to zero, or
make other changes you wish. Choose "Update Transfer Information".
ON-LINE BILL PAY
How do I register for Bill Payment through Bank of Elmwood On-line
Banking?
Once you have registered for Online Banking and have logged in,
you may register for Bill Payment on-line by selecting the Bill
Payment icon. Complete the short online registration form. After
submission, the registration form is electronically forwarded to
Bank of Elmwood for review.
If you try to enter Bill Payment during the application-processing
period, you will be shown a page requesting that you wait for the
acceptance notification. The entire process will take 3-5 business
days. You will be notified by email when the service is available.
When can I start using Bill Payment?
After enrolling for Bill Payment you will first receive an Approval
e-mail. Once your account has been enabled, you will receive
an Activation e-mail indicating that you may log on to your Bank
of Elmwood On-line Banking session, and begin using Bill Payment.
Who can be paid using the bill payment system?
Anyone in the 50 United States and territories who can accept a
check. End-users can pay practically anyone using bill payment
- charge accounts, utilities, auto loans, professionals, even their
lawn service or a relative. However, the bill payment service should
not be used to make court ordered payments or tax payments.
When do I receive the Monthly Charge for using Bill Pay?
Bank of Elmwood bills customers for a calendar month (e.g. May
1st through May 31st). Billing is for activity from the previous
month. Your account will be charged on the 5th business day of
the month.
Can I pay bills from my Money Market or Savings Account?
No, bills can only be paid from a checking account.
How do I stop an online bill payment?
You may cancel or change a payment within your Online Bill Pay
as long as the status is still “Pending”. If the
bill has been processed and was paid electronically, it cannot
be canceled. If the bill has been processed and was paid by check,
you can request a Stop Payment by calling a customer support
representative at 1-800-823-7555 8am - 5pm CST, Monday - Friday.
How are my bills actually paid?
Bank of Elmwood On-line Banking transmits all of your bill pay
requests to our bill payment service around 10:45 p.m. CST each
day, Monday through Saturday. Bills scheduled on Sunday or on
a bank holiday will typically be transmitted on the previous
business day. The business day after we transmit the payment
request, the bill payment service determines if your payee will
accept your payment electronically or if a check needs to be
sent. Once this is determined, your payment is sent and the funds
are deducted from your checking account. Typically the funds
are deducted from your account two business days following transmission
of payment.
Be certain to review your bills carefully for the correct address.
Many companies direct you to an address other than what is listed
on the envelope when using alternative delivery means.
Please remember that the transmit date is not the day your payee
will receive your payment. It is the day the bill payment process
begins. The payment must still be processed and sent electronically
or by check through the mail. Bank of Elmwood On-line Banking transmits
bill payments Monday through Saturday so PLAN AHEAD and
remember weekends and holidays. Allow 3-5 business days for companies
to
receive payments sent electronically, and 5-7 business days for
payments sent by check. You will see the method of payment displayed
on the Payee screen the next time you log on to the program after
you enter your Payee information.
When I click on
the View Payment screen I notice a red "R" and
a red "S" in the Type column. What does this mean?
The "R" stands for a recurring payment.
The "S" stands for a single payment.
Is there a dollar limit per payment sent through Online Banking?
Yes, the maximum dollar amount per payment is $9,999.00.
Is there a maximum dollar amount per day for all combined payments
through Bank of Elmwood Online Banking?
Yes, the maximum amount per day for all combined payments is $9,999.00.
Can I make a payment to my Home
Equity or Personal lines of credit through Bank of Elmwood Online
Banking?
Yes, you can make a payment to your loan account through Online
Banking in two ways. Keep in mind, if you make a payment within
10 days prior to your due date the funds will be applied to your
scheduled payment amount. If you make a payment after your due
date, the funds will be applied directly to your principal balance
as long as your scheduled payment has been satisfied.
 If you
currently make loan payments on BANKLINQ, you need not contact
us. If you do not currently use BANKLINQ to make loan payments,
you must contact us to request that transfers be allowed from
your Checking or Savings to your Line of Credit Account. You
may then
transfer directly to your line using the online transfer feature.
 You
may set up a payment to Bank of Elmwood using the address on
your statement and Line of Credit Account number. Your payment
will be made electronically to Bank of Elmwood.
Keep in mind that these payments will be in addition to any automatic
payment that comes from your checking account each month.
Can I make a payment to my installment or mortgage loan?
Yes, you can make a payment to your installment or mortgage loan
in two ways.
If you currently make loan payments on BANKLINQ,
you need not contact us. If you do not currently use BANKLINQ
to make loan payments,
you must contact us to request that transfers be allowed from
your Checking or Savings to your Line of Credit Account. You
may then
transfer directly to your line using the online transfer feature.
You
may set up a payment to Bank of Elmwood using the address on
your statement and Line of Credit Account number. Your payment
will be made electronically to Bank of Elmwood.
Keep in mind that these payments will be in addition to the
automatic payment that comes from your checking account
each month.
Can I make an additional principal payment to my loan accounts?
No, any additional payments made to your loan will be distributed
to both principal and interest. You may call our Customer Support
or go to the nearest branch and request a principal only payment.
What if I need a copy of a check submitted by Bank of Elmwood On-line
Bill Pay?
Contact Bill Payment Customer Support at 1-800-823-7555. Specialists
are available Monday through Friday from 8:00 a.m. to 5:00 p.m.
(CST). If you need a check copy from your regular paper checkbook,
you may call our Customer Support at 262-554-5321 or 1-800-924-BANK.
Specialists are available Monday through Friday from 8:00 a.m.
to 5:00 p.m. (CST) and Saturday from 8:00 a.m. to 12:00 p.m. (CST).
I cannot successfully
send an email using the "E-mail" link.
Why is this?
It is likely that your browser is not configured to use this feature.
Please use your normal e-mail software or service to send your
message to Help@bankofelmwood.com.
Can I transfer funds from my Home Equity Line of Credit to my checking
or savings account?
Yes, you can. In order to transfer from your Home Equity or Personal
Line of Credit you must contact us and request that transfers be
allowed. Please contact your Personal Banker or Bank of Elmwood
Customer Support at 262-554-5321 or 1-800-924-BANK. Specialists
are available Monday through Friday from 8:00 a.m. to 5:00 p.m.
(CST) and Saturday from 8:00 a.m. to 12:00 p.m. (CST).
Please refer to the Help icon within the Bill Payment feature
for additional detailed frequently asked Questions and Answers.
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