Online Banking FAQs
Here are some FAQ's that many of our customers usually have.
Q: Can I get a copy of a cancelled check?
A: You can request a copy through Customer Service. There may be a fee associated with this service.
Q: How long is history retained in the VIEW PAYMENT HISTORY section?
A: Payment History records are kept for 90 days.
Q: What happens if I lose or forget my ID or PIN?
A: If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget you PIN, you must follow the same procedure and a PIN will be generated and mailed to you.
Q: Payee, a definition
A: A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage company, department stores, and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store, and your favorite charitable organization.
Q: How many payees may I have set up?
A: You may have up to 99 payees that you can set up through the internet. If you need more than 99 payees, please contact Customer Service.
Q: When will the money be taken out of my account?
A: The money will be withdrawn out of your account approximately two business days after the payment date you have set.
Q: What if I do not have enough money in my account?
A: Your bank will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.
Q: How do I know if a merchant is electronic or check?
A: Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.
Q: Can I set up recurring payments?
A: Yes. You can set up recurring payments in the following frequencies:
- Weekly
- Semi-Monthly
- Monthly
Q: Will the memo field that I fill out when setting up a payment be passed on to the merchant?
A: No. The memo field is for your personal records, however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.
Q: How far in advance should I set up a payment to insure it is paid on time?
A: Check payments should be scheduled 10 business days in advance of payment due date. Electronic payments should be made 4 business days prior to the payment’s due date.
*NOTE - You may want to set up a payment to yourself so you can see how the system works.
Q: Scheduled Date
A: The scheduled date is the day you would like First Teller Online Banking to start the process of sending your money to the payee.
Q: How far in advance can I schedule payments?
A: You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.
