1. Unlimited in the numbers and types of accounts to access.
2. Transfer funds electronically between all checking and savings accounts
3. Transfer funds electronically between checking/savings and loan accounts allowing for Interest / principal payment distribution.
4. Statement information on all deposit and loan accounts.
5. Check imaging statement retrieval with front and back images on all cancelled checks.
6. Obtain account information on your Checking, Savings, CD’s, Loan, and Safe Deposit Accounts.
7. Stop Payments on checks drawn on your checking account (stop payment charges may apply).
8. Bill Payment Option – access the designated account to pay most bills.

User ID, PIN, and Internet access. The internet access could be at home or work. The browser must have 128-bit encryption.

There are several things you can do to protect your identification and PIN.

• Do not use an obvious number or other accessible information for your Online Banking ID and Pin.
• Ensure no one is watching when you enter your Online Banking ID and PIN.
• Try to memorize tour Online banking ID and PIN rather than writing them down.
• Do not share your Online banking ID and PIN with others.
• Report any unusual account activity immediately.
• Do not give your information to anyone requesting it over the phone unless you have initiated the call.
• Always log out of the system.

You will access Online Banking by entering through the Central Bank website www.centralbanksavannah.com. When you signup for the service, you will receive a User ID and a personal identification number (PIN) that will allow you to access your account information.

No. Each individual will be given a separate User ID and PIN. We enroll customers in Central Bank’s Online Banking on their social security number. Some joint account holders have two Central Bank Online IDs: One in each account holder’s name. That way, there aren’t any problems when either of you need assistance. If your spouse is listed as a joint owner on your Central Bank accounts, he or she can’t make any changes to the online ID in your name. If your spouse contacts us for help with your ID or password, we can not give any information to your spouse. You will need to call us to unlock your account, reset your password,etc.

The change can be made through a Central Bank Customer Service Representative at 731-925-9046.

How late can I make a Transfer and still have it post to my account that day?

A transfer can be made up to 4:00 P.M. Central Time during any business day for that transaction to post that day. This includes all transfers between deposit and loans. A transfer made after 4:00 P.M. will “memo post”, but will not actually appear until the next business day.

Once you have enrolled in Central Bank’s Online Banking and have received your Personalized ID and PIN, you can start paying bills immediately. It is recommended that you pay yourself first to see how the process works and what the checks look like.

If you search the electronic database and a match appears it means the payee accepts electronic payments. If no match appears, that payee can be set up to receive a check payment. Any payees not found in the database that you add will receive a check and you will need to allow at least five business days for these payments. If you forget which payees receives a check, select Payees from the NetTeller Bill Payment menu for a list of the payees and here you will see the Payee type.

Yes. The memo field will be printed on payments remitted by check. The account number that you entered when you added the payee to your Personal Payee List is also printed on the check. This allows the payee to know which account to apply the payment to.

For check payments: the money will be withdrawn from your account when the payment clears your account – just as if you wrote a check from your checkbook. For electronic payments: the funds will be withdrawn on the payment date.

Yes, you can print a copy of your canceled NetTeller Bill Payment check as well as a check written from your checkbook: log into Central Bank Online Banking and select “transactions” from the activity section at the right of the account summary you wish to view. Click on the check no. of the check you wish to print (check no. will be underlined) and when viewing your check you can right click on your mouse and select Print. Also you can email a copy of your check or save it in a different file or folder.

Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance when you want the payment to be posted at the payee.

How long is history retained in the VIEW PAYMENT HISTORY section?

Payment History records are kept for one year.

Is there any minimum and maximum payment amount?

Yes. The minimum payment is $0.01. The maximum amount is $9,999.00.

What does the “status” field indicate on the PAYMENT HISTORY PAGE?

Status Value: Payment Pending
Definition: The payment has been processed, but not yet sent.

Status Value: Payment Processed
Definition: The payment has been processed and sent.

Status Value: Hold
Definition: The payment has a research request on it and has not been processed.

Status Value: Stopped
Definition: You have requested the payment to be stopped. It cannot be processed again.

How late in the day can I add, edit, or delete a payment?

Daily there are two payment-processing times: 2:00 AM and 12:00 PM. For payments that are scheduled in advance, you may add, edit, or delete those scheduled payments until 1:59 AM Central Standard Time (CST) the day the payment process starts.

For example, if you enter the start date of the 15th, you can make changes or cancel the payment until 1:59 AM on the 15th.

If you would like a payment to be sent the same day you are entering it, the information needs to be entered by 12:00 PM CST. For example, if you are entering a payment on the 10th at 10:00 AM CST to be mailed also on the 10th, the payment will be mailed that day. However, if you enter the same payment at 1:00 PM CST on the10th to be mailed that day, the payment will actually be processed at 2:00 AM on the 11th.

Same day payments set up between 12:01 PM and 1:59 AM will be processed at 2:00 AM. Same day payments set up between 2:01 AM and 11:59 AM will be processed at 12:00 PM.

Remember, the payment date is not the date your bill is due, it is the date you want the payment process to start (three business days prior to the due date for electronic payments and at least five business days prior to the due date for check payments).

What happens if I don’t have enough money in my account?

NetTeller Bill Payment items are treated just like any check you write or debit you authorize. Any item that causes your account to be overdrawn will be assessed a $20 per item NSF fee. You will receive an overdraft notice in the mail each time items are paid. Overdrafts above and beyond your established Bounce Protection limit may result in a check or checks being returned to the payee.