ONLINE BANKING FAQs

What is online banking?
How easy is it to use?
What do I need in order to use it?
How do I sign up?
Is the password case sensitive?
Can joint account holders sign up?
Is there any cost?
After I sign up, when can I start using it?
How do I sign in to Online Banking the first time?
May I change my Customer ID to something other than my ATM or Debit Card number?
What accounts can I manage with Online Banking?
Can I transfer money to my Heritage Bank credit card? To my consumer loan?
Can I transfer money to my savings accounts? To my checking accounts?
Can I view check images with Online Banking?


What is online banking?

Online Banking is a service designed to help you easily manage your accounts. It uses the technology of the Internet and allows you to view your account information, transfer money between your accounts, pay your credit accounts, and perform other self-service tasks. Combined with the optional Bill Payment service, Online Banking makes it easy to manage all aspects of your financial well being. Click Here to learn more about Bill Pay.

How easy is it to use?

You do not have to know a lot about computers to be able to use Online Banking, nor do you have to be at home to take care of Heritage Banking needs. For basic banking services, it is as easy as a click of your mouse. Using the Bill Pay service makes paying bills as simple as setting a date and an amount.

What do I need in order to use it?

All you need to use Online Banking is a Heritage Bank ATM card or Visa� Check Card, an Internet connection, and a current version of a web browser. We recommend you use at least version 5.x of Internet Explorer or version 4.5 of Netscape Communicator.

How do I sign up?

In order to sign up you may call or visit your nearest branch. You will need a Heritage ATM or Visa Debit card in order to use Heritage Online. If you do not currently have one you can apply for one at the same time you sign up for Heritage Online.

Is the password case sensitive?

Yes. If you type your new password in all lower case letters, you will need to always type your password in lower case. Be careful of the CAPS LOCK key under the TAB key. It is a very easy and common mistake to press the CAPS LOCK key and then quickly lock yourself out of Online Banking.

Can joint account holders sign up?

Each account holder must have an ATM card or Visa Check Card. If they do, then each person may sign up for access. Since the Bill Pay service is associated with an individual, a joint account may not be shared as the Bill Pay account.

Is there any cost?

Online Banking with Bill Pay is free of charge when you use it to perform basic functions such as accessing your account information, transferring funds, or other self service tasks.

After I sign up, when can I start using it?

You will have access to Online Banking within two to five business days after you sign up and may begin using it then. Your welcome letter will contain very brief instructions and should arrive within five to seven days after sign up. Please contact us at 1-888-THB-24HR (1-888-842-2447) if you do not promptly receive the welcome letter.

How do I login to Online Banking the first time?

To access Online Banking, you will need to know your Customer ID and Password. This information is provided to you when you sign up, and in the welcome letter you receive. The welcome letter gives instructions on how to connect to Online Banking for the first time.

May I change my Customer ID to something other than my ATM or Debit Card number?

Yes, you may change your Customer ID to another code rather than your ATM number. Simply log in to our online banking screen, choose "preferences", "change ID". It will bring you to a prompt screen and you can change your Customer ID. It must be between 6 and 14 characters, it can't be repeating characters, such as all Xs, and it is not case sensitive.

What accounts can I manage with Online Banking?

You will be able to view all of your personal accounts with Online Banking and most of your business accounts Small Business Online Banking.

Can I transfer money to my Heritage Bank credit card? To my consumer loan?

Yes. You can make transfers from any of your checking, savings, or money market accounts to your Heritage Bank credit cards, consumer loans, and lines of credit. A transfer to a credit account will post to your accounts as a payment by the next business day.

Can I transfer money to my savings accounts? To my Checking accounts?

Yes. You can make transfers from your checking, savings, or money market accounts to your Heritage Bank savings and checking accounts. Transfers can be set up as immediate, future dated, or recurring. A transfer to savings and checking accounts is immediate, but will post to your accounts by the next business day.

Can I view check images with Online Banking?

Yes. You will be able to view the front image of your check with Online Banking. Simply click on your account name (from the Account tab or the homepage), then click on the check number to view the image.



 
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