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Getting Started, Customer Support About this section. Please review the following important information. At the end of this section we've placed a link to our Web Office Sign Up page. What is the Web Office? The Web Office is our Internet banking product, which turns your personal computer into a branch office of our bank. If you are comfortable using your Internet browser (most common browsers are Microsoft Internet Explorer®, Netscape® and America Online®), you will be comfortable with this personal banking product. It is a dynamic tool for financial management. Security is extremely important when it comes to your financial matters. Complete privacy, controlled through 128-bit encryption and a password ensures only authorized access to your accounts. (For more information, click here to jump to the Security information.) What can I do in the Web Office?
For more information about what our Web Office can do, click here to read the Advantages of our Web Office section. What do I need to do to set up my account? A personal computer with Internet access, an e-mail address and a bank account are required to get started. For your Internet browser, you will need either Internet Explorer® 5.5, Service Pack 2 (or greater) from Microsoft Corporation or Netscape 6.0 (or greater). For best viewing results, set your screen resolution to 800 x 600 pixels. You need access to the Internet (with SSL, Secure Sockets Layer, secure browser providing secure communications, an ability present in most popular browsers). What Internet Service Provider (ISP) do you recommend? The Milford Bank does not recommend any specific ISP. Any provider that can offer a secure server link to our website will do. One advantage of Internet banking is that you can access your Milford Bank accounts from anywhere. If you travel often you may wish to choose an ISP with the ability to connect you on a nationwide or worldwide basis. Is there a fee for using the Web Office? No. There are no additional fees for accessing your accounts through our Web Office. Normal banking fees apply the same at our Web Office as they do when you bank at one of our physical offices or over the telephone. The Milford Bank does NOT charge a separate fee for Internet bill pay services. Can I open an account over the Internet? Currently
you are unable to open an account through our Web Office. Existing Milford
Bank customers can WEB ENABLE their current accounts for access through
our Web Office by completing our brief on-line application. Prior to logging
in, you will be required to select a username and password... Read the next topic, Username and Passwords, then click the link to sign-up. After I sign up for the Web Office and Web Office Bill Pay, when will I receive user names and passwords? When can I begin accessing my accounts on-line? Enrollment in our Web Office and Web Office Bill Pay is authenticated upon completion of the on-line applications. Upon receiving them, the host will prompt you to select your usernames and passwords. This entire process takes about 5 to 10 minutes. If your on-line applications cannot be authenticated, please follow the instructions that are provided or contact us at weboffice@milfordbank.com or (203) 783-5700 for further assistance. What are the guidelines for selecting a username and password?
What happens if I can't remember my password or I enter it incorrectly? When logging in (see below) you are allowed 3 login attempts to enter the information correctly. After entering the information incorrectly 3 times, you will be locked out. The lock out is a security measure. If you need a new Web Office password, contact the Web Office Staff at (203) 783-5700 or weboffice@milfordbank.com Can I ever change my Web Office Password? Yes, we recommend you change your password often. (See note below.) NOTE: Passwords expire every 180 days. At this time, you will be required to select a new password prior to logging into the Web Office. How do I log into the Web Office?
On your first log-in, you will be prompted to change both of your login fields. These can be of your own choosing, but you must follow the guidelines established by The Milford Bank (as outlined above). Be sure to record this information and keep it in a secure place. On your next login, enter your new access ID and/or password. These Standard Function Buttons provide easy access to your accounts.
For more information about what our Web Office can do, click here or scroll down to read the next section: Advantages of our Web Office. How do I log out of the Web Office? To log out simply click the Exit button to return to the Web Office Contacts page and log out of the Web Office. Click Here to Sign Up for our Web Office.
Is help available on-line? Yes, a detailed explanation of any Web Office function is always available. Just click the Help button. How do I access on-line help?
How do I exit on-line help?
What are the Advantages of the Web Office?
What types of accounts are accessible through the Web Office? Most personal accounts may be accessed through the Web Office. All eligible accounts associated with your Social Security Number will be automatically displayed. If a specific account is not available, contact the Web Office Staff at (203) 783-5700 or weboffice@milfordbank.com How current are the account balances available on-line? Web Office information is "real time." This means, if you make a deposit at one of our drive-ups or get cash from an ATM, you can review your transaction in the Web Office when you get home. For more specific information about accessing accounts or using bill pay, jump to those specific sections by clicking or the links or using the index at the top of the page. Will I be able to print checks out on my printer, like I can in my personal financial software? Sorry, no. For security reasons you cannot. However you can use the Web Office bill pay function to pay bills. Can I talk to someone in real time over the Internet about my account? Sorry, but part of the security system is a firewall between Customer Service and the Internet. Our Customer Service Representatives will be glad to speak with you over the telephone or meet with you in person. You can also send an e-mail with any questions and be assured of a prompt response. How does Internet banking compare with PC banking? Internet banking gives the customer much more flexibility in accessing their accounts. All you need to bank through our Web Office is Internet access. You can use any computer anywhere you can get on the web. All the information resides in our Web Office. Any current browser software (standard with most all PCs and Macs) will allow you to access your accounts. Conversely, all PC banking does is link you to the bank. You need to download special software to your PC. Therefore you cannot use just any PC to access your accounts. You are only able to access your accounts when you are on the PC with the specific software. Plus this proprietary software uses hard disk space on your PC. How is this different from Quicken® or Microsoft Money®? What if I already use one of these programs? to "Advantages,"
"Checks on my printer?" You can use these programs with your Web Office account in the following ways: You can download your statement in a Quicken readable format (*.QIF) which can then be imported into Money or Quicken. Then you can use Money or Quicken's graphing, charting, and tracking features with your Web Office accounts. Unfortunately, you currently cannot create transactions in Money or Quicken and then upload them into the Web Office for processing. This is due to Web Office's link to the host system. Jump Ahead to "Account Access" for specific instructions on using our Web Office with your financial software applications. How do I know my money is safe? The Web Office utilizes several layers of technology to ensure the confidentiality of its transactions across the Internet. Security begins with your browser. Netscape SSL (Secure Sockets Layer) is a secure browser providing secure communications. It is not limited to the Netscape® browser. It is also available through Internet Explorer®, America OnLine® and most all popular browsers in use today. Netscape's SSL protocol is used to provide privacy for the data flowing between the browser and the bank server. Upon completing our on-line application, when a customer's account is created, the host will prompt you to select your username and password. In addition to password protection, Netbanc also provides server authentication using the latest in public key cryptography. The SSL browser encodes your information and then sends it to our Web Office which decodes the message. The code is changed each time you visit the Web Office. In more technical language: SSL is an open protocol for securing data communication across computer networks, and it provides a secure channel for data transmission through its encryption capabilities. The SSL browser sends a session key to the bank that is encrypted using the bank's public key. This session key will be used to encrypt this session's communication between server and browser using a symmetric key encryption algorithm. The bank decrypts the session key with its private key. Communication is now encrypted with the agreed upon session key. Public/private key pairs are used specifically for authentication. The public key can be distributed, using a certificate that verifies the identity of the owner. The private key is kept secret. A message encrypted by a public key can only be read after decryption with the private key. Our Web Office is protected by a system of filtering routers and firewalls, which form a barrier between the outside Internet and the internal bank network. There are Firewalls located between the Internet and our production network, and one protecting non-production networks. There are also routing filters to prevent access to the Virtual Vault. Customers have their own set of responsibilities in providing security for their Web Office account. Passwords must be kept secret. Users should make sure that no one is physically watching as passwords are entered. Users should also take precautions to keep computers clean and free from viruses that could be used to capture password keystrokes. Accessing your Web Office account is much more secure than many other things you may do on a daily basis. If you write a check, your account number is on the check, along with your name, address, bank name, telephone number and sometimes even your license number or social security number. What procedures are in place to prevent hackers from accessing my account? See explanation above. Which systems are used to ensure security? SSL, Firewalls, Passwords, Certificates, Encryption, Virtual Vault, and continual audits. What's my FDIC coverage? Your accounts carry the normal levels of coverage: The Federal Deposit Insurance Corporation (FDIC) is a governmental agency, created in 1933, which provides a monetary guarantee of up to $100,000.00 per depositor, per bank, subject to certain conditions. Can I e-mail questions about my account to you? How secure is e-mail? E-mail is NOT secure. However, most account questions are fine to handle via e-mail as long as you don't send secure information such as account numbers or social security numbers. If you need to reference them, you may choose to send the last four digits of both of these numbers instead of the complete number. What if I forgot my password? How do I access my account? If you have forgotten your password, please notify us. We will be able to reactivate you if you remember your password but got locked out. If you cannot remember your password, will reissue a new password for you. You can't access your account online without a password. However, you may choose to temporarily use our Telephone Banking system for balance inquiries until you receive your new password. If I forgot my password, how long will it take to get a new one? Once we have authenticated your identity, we can issue a new Web Office password to you wither by telephone, or in some circumstances, in person. We cannot e-mail a new password to you. Should I change my password? We recommend that you change your password often as a security precaution. Just go to the preference section and you will be able to change your password. Can anyone see my password? No. You are the only one who should know your password. No one else can see your password, and that is why if you forgot your password, a new password must be generated. My password doesn't work. What do I do? If you know your password, make sure to check your caps lock key. Passwords are case sensitive. Also, please be sure your username is entered correctly. If you still are unable to get in, we may need to reissue a new password. How
current are the account balances available on-line? Web Office information is "real time." This means, if you make a deposit at one of our drive-ups or get cash from an ATM, you can review your transaction in the Web Office when you get home. Will I be able to print statements? Yes. Use the PRINT button on the toolbar. Another option is to use the FILE drop down menu. Once you have opened that menu, select PRINT. How much of my transactional history will be available to view or print? You will have access to:
Transactional History Details: Checking Accounts
Passbook Savings
Statement Savings
Certificates of Deposit
Loans (Consumer and Mortgage Loan Accounts)
Note: Since only a limited amount of history is available, it is recommended that you regularly export transaction information to avoid loss of transaction detail. Can I create my own reports? You are able to customize the data in the reports for your Web Office accounts or you can download data in a Quicken readable format (*.QIF). I have three accounts, but only two accounts appear in Web Office. Why? We may have to check to see if you have any conflicts in the way your accounts were initially set up at the bank. This can affect some accounts when it comes to enabling them for Internet access. Also, not all accounts are eligible for access through our Web Office. Examples of this are IRA's, Power of Attorney Accounts, Estate Accounts, Commercial Business Accounts, etc. Are images of the checks I have written available to view and print through the Web Office? Yes! To view check images simply insert the check number and click Display. The check image will display from the bank's check image archive file. Click on the Front of Check button and/or Back of Check button to view either side of the image. Can I transfer funds from one account to another? Yes, you can set up the following types of transfers:
Note: When entering a dollar amount, enter the full amount using decimals. For example, for $300 enter 300.00. Once you set up a transfer, the system moves the funds between the designated accounts on the date you requested. You can make changes to a scheduled transfer until 6 p.m. the day before the scheduled date of the transfer. You cannot make changes to a transfer on the date it is scheduled to occur. Attempts to do so may result in additional transfers taking place. What information is available about my scheduled transfers?
Can I make changes to a transfer Ive scheduled? Changes can be made to scheduled transfers until 6 p.m. the day before the transaction date. You cannot make changes on the date the transaction is scheduled. Attempts to do so may result in additional transfers taking place. Can I skip a scheduled transfer? You can skip a scheduled transfer and have the transfer occur at a later date. The transfer will remain inactive until the future date occurs or the transfer information is updated again. Note: Once a transfer transaction is in the system, you can make changes until 6 p.m. the day before the transaction date. You cannot skip a transaction on the date it is scheduled. Attempts to do so may result in additional transfers taking place. Can I delete a transfer? You can delete One-Time Transfers and Scheduled Transfers. Express Transfers cannot be deleted due to the fact that they are transferred immediately. Note: Once a transfer transaction is in the system, you can make changes until 6 p.m. the day before the transaction date. You cannot delete a transaction on the date it is scheduled. Attempts to do so may result in additional transfers taking place. How can I make my loan payment over the Internet? If both the loan account and deposit account are available in your Web Office account, you can use the transfer funds function. You can also set up a recurring payment in the Bill Pay function, if one of the accounts is at a different bank. How will an error correction appear? If an error correction has been made, it will appear as a miscellaneous debit or credit to the account. How does Web Office Bill Pay work? Web Office "Bill Pay" allows you to pay bills from your Milford Bank checking account. Using bill pay eliminates the time consuming and costly process of writing checks, addressing envelopes and applying postage. These electronic bill payments (e-pays) are processed by a company called CheckFree. They process these transactions one of two ways. The first is called "Electronic to Check." That is where a paper check is sent to the payee. The second is called "Electronic." That is where an electronic credit is made to the payee's bank account. Using these two methods allows you the flexibility of making electronic payments to vendors, whether or not they are set up to receive purely electronic payments. This way, whether it's a check for your gas bill, or a birthday check to your nephew, the transaction can be processed electronically. And, since the funds are removed from your account at the time of sending the check, the check is guaranteed. It's like paying your bills with a cashier's check. How do I get started? First, once inside the Web Office, click the "Pay Bills" button to launch the CheckFree web- site. You will need to complete an on-line application and select your username and password. Upon successful completion, you will access your Web Office Bill Pay Account. Next, you'll create a list of payees by entering the information requested on the "add New Payee" screen. You must complete the entire screen, otherwise you will receive an error message. After you have entered the payees you intend to pay, you must then provide instructions for their payment. Clicking the "Pay Bills" button brings up the "Select Bills to Pay" screen. Enter the appropriate due date and payment amount in the fields indicated for the bills you wish to pay. Since all of the payees you have set up to receive payments will be displayed, payments will only be made to payees with dollar amounts of $1.00 or higher in the "Amount" field. When paying bills through our Web Office, you must schedule them at least four business days in advance of their due date. Transactions initiated after 1:30 p.m. are considered the next business day. Is there a limit to the number of checks I can write per month? There is no limit. Is there a limit to the number of bill pays? No. Is there a dollar limit on bill pays? Upon initially signing up for our Web Office Bill Payment Services, the limit is set at $150. Within 1 or 2 business days after enrolling, our service provider, CheckFree, will make two small deposits and a withdrawal to your checking account to test access. You should confirm these transactions as soon as they appear (instructions provided on-line). Your limit is now the collected funds available in your account. What happens if there aren't sufficient funds to cover my bill payment requests? If your account is overdrawn, you will receive an e-mail and notification letter informing you of the overdraft and any fees associated with it. Note: After the initial overdraft, we may attempt to withdraw funds from your account a second time to make payments. This may result in a second overdraft charge. Can I change my mind after I submit a payment? Can I cancel the payment? You can cancel a bill payment while its status is "Scheduled." Once a bill payment's status is "In Process" or "Processed", you can no longer cancel or change the payment. Cancel bill payments from the Payment Activity - Bill Payment page You can cancel an e-mail payment while its status is Unclaimed. Once an e-mail payment's status is In Process or Processed, you can no longer cancel or change the payment. Cancel e-mail payments from the Payment Activity - E-mail Payments page. When are my bill payment requests received by my payees? They will be received, either by check or electronically, on the date you've scheduled. If the payment was issued by check, your account may be debited when the payment was issued. Will you pay incoming checks if there is a hold on my deposited funds? The check would get paid only if there were enough available funds. What if I wrote bill pays out for $400.00, but I only have $200.00 in my account? How does it determine what checks to pay, and what checks to reject? The Web Office will pay as many checks as it can. If the first check was for $350.00 it would reject that payment, but if the next 2 payments were for $20.00, they would get paid. Are pending payments shared between joint accounts? Yes, both users will see each other's pending payments. Who can I pay with bill pay? Anyone, anywhere
in the US at any time. Funds can only be sent and received in US dollars
to an institution or merchant with a US zip code, including Puerto Rico
and Guam. Funds cannot be sent to pay US taxes or Court orders What is the difference between semi-monthly payments and bi-weekly? Bi-weekly affects the account every other week. This might mean that an account will be affected more than twice a month. Semi-monthly affects the account only twice a month. The payment frequency is paired 15 days apart. For example: If a bill's first payment is on the first, the next triggered date would be the 16th. Any date, which is not a business day, i.e. Saturday, Sunday or Holidays rolls to the next business day. Can I make payments through the Web Office? Yes, you can make the following types of payments:
Note: You must schedule payments at least 4 days in advance of the bill due date. Can I make changes to a scheduled bill payment? You can change a bill payment while its status is "Scheduled." Once a bill payment's status is "In Process" or "Processed", you can no longer cancel or change the payment. When will the funds be debited from my account? If the payment is made by check, your account may be debited when the payment is issued. If the payment is made electronically, your account is debited when the funds are sent to your payee. How does the bank determine which accounts are available to me? Milford Bank establishes which types of accounts will be included in its Internet banking package. All eligible accounts on your Internet account list are associated with your Social Security Number (SSN). Contact your bank representative if you have any questions. How is my balance calculated? The current balance listed on the Internet account is the actual balance of the account. The current balance does not take into consideration any holds or floats that may be in effect on the account. Thus, the actual funds that may be available to you could be different than the current balance. If you have questions about your balance, contact your bank representative. I couldn't access your home page.
Netscape users may see a message like, "The requested location does not have DNS entry. Check with . . ." Internet Explorer users may see a message like, "The page cannot be displayed. The page your are looking for is currently unavailable . . . " First make sure you are typing the address correctly. If you still cannot connect, it may be a temporary problem with Internet routing. Domain name servers match the letters we type with numeric addresses (IP address) on the network. Some servers will be missing entries at given times. First, simply try again. If several attempts do not connect, a key server may be down. It is rare, but does happen. Try accessing other pages. If you cannot reach other web pages, call your Internet Services Provider (ISP) if the problem persists. If you get through to other sites okay, try The Milford Bank website again at a later time. Call Customer Service at the bank if the problem persists. They can tell you if or when our servers are or were down. If our servers are/were not down, you will need to contact your ISP. What if I can't access your web page? There may be a variety of factors that affect the ability to connect to a secure site. A possible problem might be heavy network traffic. If that is the case, you just need to wait a while and try back at another time. Otherwise, you might be accessing the Internet through a firewall. In that case it might not let you into another secure site, which sits behind another firewall. If this problems exists with other web pages as well, you may want to contact your internet provider. Why does using my "BACK" button dump me out of the Web Office? Why can't I bookmark the Web Office page(s) I use the most and jump directly there? For security reasons, your access to the Web Office is controlled by always having to go through the sign-on page where you must have a valid account number and password. To protect this, some pages within Web Office automatically expire. In these cases using the BACK button puts you out of the Web Office site. For the same reasons, you cannot use your browser's bookmarks to jump directly into the Web Office without first going through the sign-on page. We suggest that you bookmark the bank's homepage for easy access: www.milfordbank.com If you lose your Web Office session, simply return to the log-in page and sign on again. Error Messages The following messages may appear when you are attempting to process a transaction. Enterprise Server Unavailable
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About
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33 Broad
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