Q: What is Internet Banking?
A: Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more.
Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, the Internet Banking product stores your User ID, password and user preferences.
Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.
Q: What accounts will I be able to access through Internet Banking?
A: You can access your checking, savings, credit cards, investments and loan accounts from the Internet Banking service. Our Internet Banking product is intended to give you as much access, security, and versatility as possible.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: What file formats can I download my transaction history in?
A: Internet Banking provides downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file. However, these products are not supported by American Bank & Trust. You will have to contact those providers directly for assistance.
Q: Can future and recurring transfers be scheduled?
A: Yes, Internet Banking is capable of future and recurring transfers from all accounts linked to your online banking profile. You must have your accounts set up with transfer capability to complete a future or recurring transfer.
Q: If I sign up for online statements, how many months of statements are stored online?
A: American Bank & Trust stores a rolling 18 months of statements from the time you signed up to receive online statements.
Q: How many months of transaction history can I view?
A: American Bank & Trust keeps 6 months of transaction history from the date you sign up. You can search in 60 day increments.
Q: When can I use Internet Banking services?
A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How long can I be inactive before being logged out of the Internet Banking product?
A: The inactivity time out default is set for 20 minutes.
Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®. You can use any computer that has Internet access.
Q: Why am I being prompted to complete One Time Security Code Step Up?
A: The “Step-Up” process detects if you are using a device other then the one you initially used to sign up with, if you have had a recent upgrade, or if the system is detecting a possible phishing attempt or possible hacking attempt into your system. Depending on what type of security settings you have on your computer or other device, our system may have you complete the “Step-Up” process.
The “Step Up” process on your profile can be completed by having the activation code sent to you via phone or text at the numbers on the system or go through the security questions that are produced from your credit reporting history.
Q: I have already been through the “Step-Up” process, why do I have to do it again?
A: The security of the system is designed to protect you. It looks through your complete IP Address history. If it is believed something is “wrong” it will have you complete the “Step Up” process more than once.
Q: My phone number is not correct on the One Time Security Code Step Up, why?
A: If you have recently changed or updated your phone numbers and did not notify us, the phone number will be incorrect as the system only uses the phone numbers that are currently on your account. Please make sure to contact your local branch location for any phone number or address changes.
Q: How do I access Internet Banking?
A: First complete the Online Enrollment. If all of the information entered is correct, you will be able to view your accounts right away. If the information you have provided does not match what is in our system, a denial email will be received within 1-3 business days stating what was entered incorrectly. Then you will need to reapply using the correct account information. You must have an existing checking, savings or loan account before signing up for internet banking.
Q: Can I create my own password that is easy for me to remember?
A: Yes. When you sign up for internet banking you will create your own password. Once you have an online profile you can change your password by logging in and going to the Customer Service tab.
Q: How often will my password need to be changed?
A: Passwords expire every 365 days.
Q: What happens if I forget my User ID?
A: There are 2 options, the first is to use the “Forgot your user ID?”” option by clicking on Forgot your user ID underneath the User ID box. This will take you through the One Time Security Code Step Up process and then you will be able to recover your User ID The second option is to call eBanking Services during business hours and anyone in the department can provide you with your User ID. eBanking Services can be reached at 563-441-6524.
Q: What happens if I forget or lose my password?
A: There are 2 options, the first is to use the “forgot password” option by clicking on reset it yourself underneath the password box. This will take you through the One Time Security Code Step Up process and then you will be able to reset your password to something new that you have not used for the last 6 passwords. The second option is to call eBanking Services during business hours and anyone in the department can provide you with a temporary password that is only valid for 24 hours. eBanking Services can be reached at 563-441-6524.
Q: Is American Bank & Trust available at any time for Consumer eBanking assistance?
A: No. eBanking Services is available Monday – Friday 8:00am – 5:00pm.
Bill Pay FAQs
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'
Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy! The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.
Once the disclosure is agreed to, the online registration form should be completed. Once you have completed the registration form, your application may be processed immediately as long as the system can verify all the information you have entered is correct. Or, the registration form is then forwarded to our Client Services Department for review. We are then responsible for checking and verifying the information submitted on the form. The registration information is then transmitted to FIS, our bill payment service provider, for their review and approval process. After the application is approved, you will be sent a secured bank mail response stating you have access to the bill payment system.
Q: Can I register any of my accounts for bill payment?
A: No. You can only register active checking accounts for bill payment services. Your checking account must be in good standing with American Bank & Trust. American Bank & Trust reserves the right to decline any application for bill payment services.
Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: Not at this time.
Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.
Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.
Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the fifty United States and its Territories.
Q: Is there a limit to the number of bill payment accounts I can set-up?
A: Yes, you are limited to one bill payment account, but you can change the funding account at anytime if needed.
Q: Who can be paid using the bill payment system?
A: Anyone in the fifty United States and its Territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through the online bill payment system.
Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.
Q: Can I schedule a payment to go overnight?
A: Yes. It’s called Expedited Payments. For a $20.00 fee, you can schedule a payment on the weekdays prior to the 8:00 PM cut-off to be sent overnight. The payments will be sent either by check or ACH.
Q: What if my payee does not show in the Expedited Payments?
A: If your payee does not show in the Expedited Payments section, you will be unable to send the payment. Why? Our Bill Payment processor possibly can send the payment faster through the regular Bill Payment channels by sending the payment as an electronic payment.
Q: How is my account debited?
A: Your account is debited via ACH for electronic payments. If the payment is being sent out by check, you will be debited once the Bill Payment check clears your account.
Q: Can I see my Bill Payment check images on my monthly statement?
A: Yes, since the Bill Payment checks are being sent from our processor with your account number at the bottom, you will be able to view your check images on your monthly statements since they clear like a normal check you wrote!
Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.
Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You have an option to manually enter a different address for a payee when applicable. If you select an electronic payee that has a relationship with FIS, the payment will be processed by ACH payment. You will be unable to change the address for payments that are sent by ACH.
If you select an electronic payee with the address that matches the payment coupon, and FIS routes the payment incorrectly, then FIS (American Bank & Trust bill payment provider) will take responsibility for the late fee.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments paid by Bill Payment check that have not cleared can be stopped. Normal stop payment processing fees will apply. Payments that have been remitted electronically cannot be stopped.