Internet Banking FAQ
Frequently Asked Internet Banking Questions
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. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.
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, investment 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: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.
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 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 and Trust.
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: 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: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demonstration Site that is part of the Home Banking package.
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: How do I access Internet Banking?
A: You must first complete the Internet Banking application form and submit it to us. Once your application is received we will process your request. You will need a password to access the service for the first time. You may contact us by telephone or wait for your password to be mailed to you. You must have an existing checking, savings or loan account before banking online.
Q: Can I create my own password that is easy for me to remember?
A: Yes, after you use your assigned password to log-in for the first time, you can go to User Options and change your password.
Q: How often will my password need to be changed?
A: For security purposes, passwords expire every 90 days.
Q: What happens if I forget or lose my password?
A: Just call us and we will take you through the steps needed to get back into the system immediately!