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(Just click on the question you would like answered.)
Getting
Started
- What do I need to
start using CBB's Online Banking?
- Is Online Banking
secure?
- As
a First Time User, how do I log in?
- Why can't I log
in to CBB's Online Banking?
- What is my Access ID?
- If
I have a joint account, how do I access my account?
- How
do I go about choosing my Password?
- Is
there a certain type of PC that is more compatible
with CBB's Online Banking?
General User
Information
- Once
all my banking transactions and inquiries are
complete, how do I log out of CBB's Online
Banking?
- What
is the cut-off time for transactions I want done
on a certain business day?
- When
do my banking transactions appear on CBB's
Online Banking system?
- How
can I be certain that a transfer I set up will
occur?
- How
do I cancel a one-time transfer or a scheduled
transfer?
- How
do I skip one of my scheduled transfers and keep
future ones?
- What is an Express Transfer?
- When
there are large amounts in my account, why can't
I see all the numbers?
- Why
can't I see my spouse's account?
- With
CBB's Online Banking module, can I export into
my Money Management software?
- What
do I do if I forget my Password or get locked out
by entering the incorrect one too many times?
- Can I view my cleared checks in numerical order?
- How
do I view an image of a check?
- At
times when I am viewing my statement, why does
CBB's Online Banking system log me out?
1.
What do I need to
start using CBB's Online Banking?
You will need to know
your account number, which will be your initial Access ID,
and your initial Password is the last 4 digits of your
Social Security Number. (If you are a
telephone banking user, your initial Password will be
your telephone banking Password.) Once you are logged in,
you will be prompted to change your initial Password to
something that is unknown to everyone else. You
will also have the option to change your Access ID to
something other than your account number.
You will also need
Internet access using Internet Explorer 5.5 or higher with 128-bit strong encryption
OR Netscape Communicator
4.5 or higher with 128-bit encryption. If you
need to upgrade your browser, you can do so now.
NOTICE:
By
clicking on either the Internet Explorer of Netscape
link, you are leaving Community Business Bank's
website. We do not warrant or guarantee that the
information on the external website you will visit will
be accurate, or up-to-date. This foreign site is not subject to our
Bank's Privacy
Policy. If you feel the site contains
inappropriate material, or is no longer available, please
Contact Us.
or 
REMINDER:
For best
results, your screen should be set to 800 x 600
resolution.
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2.
Is Online
Banking secure?
The server that
stores your Community Business Bank account information
uses Secure Sockets Layer (SSL) protocol. This
security encrypts the data sent making it difficult to
see your information. In other words, your
information is sent in a scrambled format. To
ensure that the information is being sent from a secure
server, the address will start with
"https://" rather than "http://".
Also, you know you are receiving information from a SSL server securely
by seeing the closed padlock at the bottom of your
computer screen.
When using 128-bit
encryption technology to scramble your information, it
would take a computer that is dedicated to do nothing
else many years to unscramble. We require that
Internet Explorer browsers use the 128-bit high
encryption pack option for the strongest security
available today. Internet Explorer High Encryption Pack
is available for download now. Netscape
users must use Netscape Communicator 4.5 or greater with
128-bit encryption to access CBB's Online Banking
system.
Netscape Navigator
2.0 and 3.0 display a broken key icon when on a site
that does not require encryption. A solid key will
appear
when the site is secure. However, Online Banking
Netscape users must use Netscape Communicator 4.5 or
higher with 128-bit encryption. If you do not see
a closed padlock, you should upgrade your browser before
accessing the system in order to have a secure
connection.
NOTICE:
By clicking on either the Internet Explorer of
Netscape link, you are leaving Community Business Bank's
website. We do not warrant or guarantee that the
information on the external website you will visit will
be accurate or up-to-date. This foreign site is
not subject to our Bank's Privacy
Policy. If you feel the site contains
inappropriate material or is no longer available, please
Contact Us.
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3.
As
a First Time User, how do I log in?
Before you begin,
you must fill out an Application that you can request
from a CBB Personal Banker. Once the Application is
received, your access will be allowed within two
hours. To access your accounts for the first time,
you must click on the "First Time User" button, then
click on "Terms
& Conditions"; we request that you read them carefully.
You may also refer to our most recent version of the "Important Information About Deposit
Accounts" brochure.
Close this window to
continue the log in process. Enter your initial Access ID
(your account number), the type of account it is,
and then your initial Password, which will be the last 4 digits of
your SSN. You will immediately be prompted to
change your Password. At this time, you may also change your
Access ID. Whatever you wish your Access ID to be,
it must be typed in the "New Access ID"
field. If you are changing it, your new Access ID
must be 6 to 10 characters in length, with no specific
requirements. Your new Password must also be 6 to 10
characters in length and must have at least one number
and one letter in it.
You will then be prompted to set your
Security Data.
-
Contact
Information: Enter your email address and
confirm, if it is not already in the respective
fields.
-
Image and
Phrase: Type in your authentication phrase in
the respective field to correspond with the image
you see.
-
Challenge
Questions and Answers: Choose three of the
challenge questions and type in your answers in the
respective fields. Be sure to remember your
answers, as you made need them for future log ins.
-
Select One
of the Following Options: Personal Computer,
Register It or Public Computer, Do Not
Register It. Note: Never register a public
computer that can be used by another individual.
The next time you
log in,
you will not need to click on the "First Time
User" button. If you are logging on to a
computer that you registered, you will simply enter your Access ID,
click Submit, and your image and your chosen phrase will
appear. If this is correct, you will enter your
Password. If you are logging in from a computer
that you did not register, you will enter your Access
ID; one of your questions will appear and answer it
accordingly. If you answer correctly, the image
and chosen phrase will appear and if they are correct, you will
enter your password, then click Submit.
However, in the case where you are
locked out of the system (if you forget your Password or
try the incorrect Password too many times) you will need
to notify your Personal Banker to reset your
Password. Once your Password is reset, you
will, again, log in as a "First Time User". Just
like the first time you logged in, you will be prompted
to enter the Security Data again.
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4.
Why can't I log
in to CBB's Online Banking?
Before you begin,
you must fill out an Application that you can request
from a CBB Personal Banker. Once the application
is received by the Bank, your access will be allowed in
2 hours.
CBB's Online
Banking system now requires that your computer's browser
utilize 128-bit encryption for your security, and the
connection will be automatic within the United
States. However, the connection will not be
automatic outside the U.S.; Internet Explorer will need
the 128-bit high encryption pack for the strongest security
available. Internet
Explorer High Encryption Pack is available to
download now. If you use Netscape, you must use Netscape
Communicator 4.5 or higher with 128-bit encryption to
access the Bank's Online Banking.
The security
feature for CBB's Online Banking is only valid with
the assumption that you are the only one who knows your Password.
The system will
consider you a "First Time User" until you
have changed your Password at least once. (You will
be prompted to do so at your first log in.) We
suggest that you do not bookmark this page until you are
no longer considered a "First Time User";
there is a unique log in screen for First Time Users,
which is different from the log in screen you will use for
all future log
ins.
Your Access ID is
case sensitive. If you used any capital letters in
setting up your Access ID, you must capitalize those
same letters each time you enter you Access ID. If
you are still unable to access CBB's Online Banking
system,
check to see if your caps lock button is activated.
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5.
What is my
Access ID?
Your initial Access
ID is your account number. Once you are logged in
to the system, you will be prompted to change your
Password. You will also have the option to change your
Access ID. If you chose to change it, you must
enter it in the proper field. If you chose to keep your Access ID as
your account number, you must enter that number in the "New Access
ID" field. Whatever you want your
Access ID to be, it must be entered in the respective
field.
If you chose to
change your Access ID, you will enter your new Access ID
in the respective field. Your new Access ID must
be 6 to 10 characters in length and it is case
sensitive; however there are no
specific requirements as to the type of
characters.
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6.
If
I have a joint account, how do I access my account?
If the only
account you have is a joint account with another person,
the first owner to log in, for the first time, will enter the account number as the Access
ID and enter the last 4 digits of their SSN as their
Password. Then,
this account owner must change their Access ID at the
same time they change their Password.
When the second owner logs in, for
their first time, they will use the account
number as their Access ID and use the last 4 digits of
their SSN as their Password.
The second owner must change their Password;
however, they may keep the account number as their
Access ID. Each
owner will have their own Access ID that corresponds
with their Password.
If
the two owners have more than one joint account
together, they may each choose a different account
number as their Access ID and then use the last 4 digits
of their SSN as their initial Password.
These Access IDs are only used to log in to the
system; each owner will be able to look at all of their
accounts once they are logged in.
Remember, each user will be prompted to change
your Password upon initial log in.
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7.
How
do I go about choosing my Password?
We strongly suggest
that you do not use the name of your
spouse, child, pet, a family member's birthday, or any
other codes that may be easily determined as a
Password. You may use the "Password"
button to change your Password if you choose; however to
help you protect your Password, you will be prompted to
change it every 90 days.
Your new Password
will have to be 6 to 10 characters in length and must
have at least one number and one letter in it.
Remember, your Password is case sensitive.
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8.
Is
there a certain type of PC that is more compatible with
CBB's Online Banking?
The best type of PC
to work with CBB's Online Banking is an IBM compatible
PC and the best software would be Internet Explorer 5.5
or higher. A Macintosh PC will usually work, but
they are a little more unpredictable.
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9.
Once
all my banking transactions and inquiries are complete,
how do I log out of CBB's Online Banking?
You may
log out of CBB's Online Banking pages by clicking
"Home". This will log you out and bring
you back to Community Business Bank's home page.
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10.
What
is the cut-off time for transactions I want done on a
certain business day?
Any
transactions done before 6:00 PM on a business day
will post on that same day. Any transactions done
after 6:00 PM on a business day will post on the next
business day. Saturdays, Sundays and Federal Holidays
are not considered business days.
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11.
When do my
banking transactions appear on CBB's Online Banking
system?
You are able to
view most of your financial information "live".
Any transactions that are completed in person at the
Bank, through CBB's Online Banking system, or through
CBB's Telephone Banking system will
appear under the "Current Transactions"
button. Any electronic items, including ATM and debit card
transactions, will appear on CBB's Online Banking
system the next business day after the day the
transaction takes place.
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12.
How can I be
certain that a transfer I set up will occur?
One Time
Transfer. You can rest assured, when you receive
a Confirmation Number, that your "One Time
Transfer" has occurred. We recommend that you
print the frame with your Confirmation Number on
it. In addition, you may want to write down the Confirmation
Number and transfer information, if printing it is not
possible. Remember, the Bank will need this Confirmation Number
in order to research any dispute.
New Scheduled
Transfer. The details of your transfers that
were set up using the "New Scheduled Transfer"
button will appear by choosing the "Transfer"
button under the account the transfer will be coming
from.
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13.
How do I cancel
a one-time transfer or a scheduled transfer?
A One Time
Transfer is "real-time". This means once you
"Submit" your transfer request, it will reflect
in your balance. In order to reverse this transfer, you
will need to transfer the amount the opposite way from
the original
set-up. For example, if you transferred money
from your savings account into your checking account, you will do
just the opposite to reverse it, i.e. you will transfer that
same dollar amount from checking into savings.
A Scheduled
transfer is not "real time". This means they go into
effect during the system's nightly update. So, if
your transfer is scheduled for the current business day, you
can still change it before the update. Any
transaction done before 6:00 PM on a business day
will post on that same day. Any transactions done
after 6:00 PM on a business day will post on the next
business day. Saturdays, Sundays and Federal Holidays
are not considered business days.
You may view your
future scheduled transfer by clicking on the "Transfer" button. To modify a
scheduled transfer, click the account number involved in
the transfer you wish to change; this will open the transfer details. To cancel the scheduled transfer, change
the remaining transfers to zero, you may also make other changes
needed. Then, click "Update Transfer
Information".
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14.
How
do I skip one of my scheduled transfers and keep the
future ones?
Click on the
"Accounts", go to the bottom of this drop-down
menu and select "Account List".
Select the account that the transfer is being made
from. Click the "Transfers" button, go
to the bottom of this drop-down menu and select
"Transfer List". From the list of
transfers, select the one you wish to skip. Change
the transfer date to the next date that you would like
the transfer to resume on and then click
"Submit". This will skip the current
transfer date and amount, and the transfer will continue
with the date that you entered.
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15.
What
is an Express Transfer?
An Express Transfer
will allow you to make a transfer with just 4 simples
clicks of your mouse. Click the "Express
Transfer" button, select the account from which the
funds are coming from. Select the account into
which the funds are going. Enter the amount you
choose to transfer and then click
"Next". A verification screen will
appear, once you have reviewed the transaction that will
take place and agree with it, you can click
"Submit". If you change you mind,
you can click "Cancel" to end it, or
"<Back" to make appropriate changes.
When you click "Submit", a confirmation screen
will appear. We recommend that you either print
this screen out or write down the confirmation
number. Should there be a dispute with your
transfer, we will need this number to research it
further.
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16.
When
there are large amounts in my account, why can't I see all
the numbers?
For best viewing,
your screen resolution should be set to 800 X
600. To select or view your setting, click Start, Settings, Control
Panel, and then click Display. A window will pop
up. Select the Settings tab, and in the bottom right
corner, change the screen area to 800 by 600 pixels,
then click Apply.
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17.
Why
can't I see my spouse's account?
Your Password
allows you access to only the accounts in which you are
either an owner or a signer on. If you are not
able to view an account that you believe you should be
able to view, please contact a Personal Banker at either of Community Business Bank's
locations from 8:00AM to 5:00PM Monday through
Friday.
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18.
With
CBB's Online Banking module, can I export into my
Money Management software?
Yes, you can export your
transaction information from Community Business Bank's Online
Banking module. First, select the account from
which you wish to
export the information. Click the
"Transactions" button, then click on
"Transaction Menu". On the right side,
there will be a box with the heading "Transaction
Search". Within the box, there are different
fields from which you may select specific transactions or
an entire statement to export; be sure to choose what
you want exported.
At the bottom of this box, you will
select the format that your money management software accepts,
then click "Export". You will be able to
select from: Comma Separated File [.CSV], Intuit Quicken
[.QIF], Microsoft Money [.OFX], and Intuit Quickbooks [.IIF].
The money
management software that you are using must be newer
than Version 2004. Anything 2004 and older does
not download the data correctly.
You cannot import from your money management software,
it must be done through CBB's online banking module.
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19.
What
do I do if I forget my Password, or get locked out by
trying the incorrect Password too many times?
If you forget your
Password, or get locked out of the Online Banking
system, simply call your Personal Banker. They
will reset your Password and your access will be allowed
within two hours. Just like your first log in
experience, you
will log in as a "First Time User". Your Access ID
will be your Account Number and your Password will be
the last 4 digits of your SSN. (If you are a
telephone banking user, your initial Password will be
your telephone banking Password.)
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20.
Can I view my cleared checks in numerical order?
Yes, you can view
your checks in numerical order. Go into your
checking account. Click on the
"Transactions" button, go to the bottom of the
drop-down menu and select "Transaction
Menu". On the right side of the screen there
is a box titled "Transaction Search". In
the "Cycles" box, select "Previous
Statement", in the "Transaction Type"
box, select "Checks" and in the "Sort
By" box, select Check Number (either Ascending or
Descending - your choice).
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21.
How
do I view an image of a cleared check?
Go into "My
Accounts", select your checking account.
"Click on the "Transactions" button and
select the statement in which your check cleared -
previous or current. Click on the check number you
wish to view. A window will pop-up with the
image. You can view the front or the back and have
the ability to rotate it for easier reading.
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22.
At
times when I am viewing my statement, why does CBB's
Online Banking system log me out?
CBB's Online
Banking module has a security feature that will log you
out after 20 minutes of inactivity. The
simple viewing of a statement is not considered
"activity". Online Banking
"activity" would be actual transactions done
within the module, i.e. a transfer or downloading a
statement into your money management software.
Another remote
possibility that also may log you out of CBB's Online
Banking module could be your anti-virus software. This
software may cause an interference that will
automatically log you out of the module.
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*************************************************
If you have any
questions that are not addressed above, please feel free
to Contact Us or sstormer@cbbwi.com.
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