Frequently Asked Questions - Online/Mobile Banking

Login

> What if I forgot my Login ID or Password?
> Can I change my ID and/or Password?

 

Setup

> Why am I receiving an error message when submitting my online application?
> What software or hardware do I need to use Online Banking?
> Can I access Online Banking from any computer?
> Can I have Online Banking without Cash Management?
> How can I add accounts to my Online Banking after the initial setup?  

 

Features

> Can I transfer funds between my BNC National Bank Accounts?
> Can I get copies of my checks or statements?
> Are my transactions immediately posted to Online Banking?
> How many days should I allow to ensure my bill pay items arrive at the payee company?

 

Fees

> How much does Online Banking cost?
> Is there a fee for transferring between accounts?
> Can I download to Microsoft Money, Quicken or a similar program?

 

Misc

> Are there any Non-Processing Days for Cash Management customers?

 

Security

> Is  Online Banking secure?
> What is encryption and what level do I need?
> How secure is my information I use online?
> Is any of my information stored on my local computer for others to view?

 

 

Questions and Answers:

Q - What if I forgot my ID or Password?   
A - Forgot your ID or Password? Please call toll free at 1-800-BNC-BANK (1-800-262-2265) to get re-activated or email to web@bncbank.com. We will be happy to assist you.

 

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Q - Can I transfer funds between my BNC National Bank Accounts?  
A - Yes, you can transfer funds between any of your BNC accounts that you have linked to your Online Banking.

 

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Q - How much does Online Banking cost?  
A - Access to Online banking is free.  There is an additional charge for the Cash Management features.

 

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Q - Can I have  Online Banking without Cash Management?
A - Yes, Cash Management has separate features and is geared for the commercial customers.  The regular Online Banking is FREE to all BNC customers.

 

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Q - Is Online Banking secure?
A- Yes, BNC National Bank has implemented nationally recognized, sophisticated networking architecture consisting of data encryption throughout the transmission to prevent unauthorized access or interception.  You will notice a lock symbol in the lower right hand corner of your browser window which signifies the security id.

 

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Q - Why am I receiving an error message when submitting my online application?
A  - In some cases the criteria you are submitting does not match your customer information file. If you are having trouble submitting your application, click here to submit an alternate personal banking application or business banking application. Or, call us at 1-800-BNC-BANK (1-800-262-2265) to talk to an Online Banking Specialist.

 

Q - What software or hardware do I need to use the Online Banking?
A - A computer that can access the Internet and an Internet browser software.  Upgrade to the latest version......  

Microsoft Internet Explorer

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Q - Can I get copies of my checks or statements?
A - Yes! Through  Online Banking you are able to print copies of checks and statements. (Check images are available same day they clear.)

 

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Q - Can I access WealthManager Online Banking from any computer?
A - Yes, because there is no software to download, you can access WealthManager Online Banking through any computer with Internet access.

 

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Q - Are my transactions immediately posted on Online Banking?
A - Yes, transactions are posted "real time". However, transfers made after 8pm CST, are posted as next day. Please observe the following cutoff times on regular business days:

8:00pm CST for Transfers
4:00pm CST for ACH
2:30pm CST for Wires
Holiday hours ( times will vary)

 

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Q - How can I add accounts to my Online Banking after the initial setup?  
A - Fill out an Online "Add Accounts Request" or contact our Online Banking Specialist at 1-800-BNC-BANK (1-800-262-2265).

 

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Q - Is there a fee for transferring between accounts?
A - There is NO fee for this service.

 

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Q - Can I download to Microsoft Money, Quicken or a similar program?
A - Yes, you can download to Microsoft Money, Quicken and Spreadsheets. Please contact our Online Banking Specialist for more details at 1-800-BNC-BANK (1-800-262-2265).

 

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Q - Can I change my Online Banking  ID and/or Password?
A - Yes, once you log on for the first time, you will be prompted to change your Password #. Once you have done that and accessed your BNC accounts, you may change your Online Banking ID and Password at anytime.

 

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Q - How secure is my information I use online?
A - Your account information as well as applications and contact forms are encrypted from the beginning to the end of the process.  You will notice a lock symbol in the lower right hand corner of your browser window, which signifies the security ID.

 

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Q - Is any of my information stored on my local computer for others to view?
A - Customer data is not stored on your local drive, the data remains on the banks host system at all times.

 

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Q - What is encryption and what level do I need?
A - Encryption rewrites the code in a way that can be decoded later with the right key.  Encryption employs a mathematical process for the key, which is made up of a certain number of bits (ie..40-bit, 128-bit).  The higher the number of bits, the better the encryption.  BNC's encryption is set for 128-bit.  All communication from you to the system and from the system to you is encrypted using a maximum of 128 bits.

 

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Q - Are there any Non-Processing Days for Cash Management customers?

A - Yes, here is the list of non-processing days:

 


Standard (Federal Reserve) Holidays 2013 2014
New Year's Day Jan 1 Jan 1
Martin Luther King, Jr. Day Jan 21 Jan 20
Presidents' Day Feb 18 Feb 17
Memorial Day May 27 May 26
Independence Day July 4 July 4
Labor Day Sept 2 Sept 1
Columbus Day Oct 14 Oct 13
Veterans' Day Nov 11 Nov 11
Thansgiving Day Nov 28 Nov 27
Christmas Day Dec 25 Dec 25

*All bank locations will be closed on these days.

The Board of Governors is closed December 31, 2010 and Inauguration Day, January 20, 2013. * Saturday

*For holidays falling on Saturday, Federal Reserve Banks and branches will be open the preceding Friday.

** For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday. Expanded schedule of Federal Reserve System holidays (off-site link).
  

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Q - How many days should I allow to ensure my bill pay items arrive at the payee company?
A - Please allow approximately 5-7 business days mailing time for check payments and 2-3 business days for electronic payments.

 

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Want more information? It's Easy!

Apply online, visit a local branch, fill out a contact us form and a banking representative will contact you, or call us at 1-800-BNC-BANK (1-800-262-2265).

Online Banking

Application Center

Select from the list below to open the account of your choice today!

How Can We Help You?

Not in our list? No problem! Contact us or call 1-800-BNC-BANK and we will gladly help you.

 

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