| Q. |
What is ESB Online? |
| A. |
Online Banking allows our customers a secure and convenient
access to their accounts using the Internet anytime of the day,
any day of the year. Some of the functions available with Online
Banking are:
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Access and print information on all accounts including
loans. |
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Review and print transactions and statements. |
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Confirm deposits, withdrawals and checks cleared and
view their images. |
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Transfer funds between accounts and make loan payments
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• |
Download transactions to Microsoft Money® and spreadsheet programs. |
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| Q. |
What do I need to access ESB
Online? |
| A. |
You need a computer, modem, Internet access and one of the
following Internet browsers:
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Netscape 7 |
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Microsoft Internet Explorer 5.5 |
128-bit SSL encryption comes packaged on either browser. You
can use either a Macintosh or a Windows computer. |
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| Q. |
What should I do if my browser
is rejected? |
| A. |
If you are using an older browser version that is no longer
supported for access to Online Banking, you will get a message
saying that your browser does not meet our specific security
protocols. If your browser is rejected, you can go to the Netscape
or Microsoft home page and download the most recent non-beta
browser versions (www.netscape.com
or www.microsoft.com).
Once you have completed the download and installation of the
recommended browser, you can return to the sign in screen and
sign in to Online Banking. |
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| Q. |
What should I do if I am using Internet Explorer
6.0 and I have to log in twice? |
| A. |
You will need to adjust your privacy settings when using Internet
Explorer 6.0. From your browser's Tools Menu select Internet
Options. Select the Privacy Tab. Drag the scroll bar in the
box from High to Medium. Click the Edit... button to adjust
your Web Site cookie selections. Where it says Address of Web
Site type netteller.com in the field provided. Click the Allow
button. Click Ok as many times as needed to close the pop up
windows. Close and reopen your browser. Click Refresh. Try logging
in again. |
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| Q. |
Can I use beta test browser software
to access ESB Online Banking services? |
| A. |
To ensure maximum security of information and proper operation
of our products, beta software is not recommended for use with
Online Banking. Since beta software is experimental and undergoes
significant changes by the manufacturer, we can only recommend
final, released versions of new browsers and operating systems. |
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| Q. |
What is 128-bit encryption? |
| A. |
There are two types of encryption: "High" and "Standard".
The difference between these types of encryption is the strength
of capability. A "High" (128-bit) encryption is exponentially
more powerful than a "Standard" (40 or 56-bit) encryption.
"High" or 128-bit encryption means there are several
possible keys that could fit into the lock that holds your account
information, but only one that works for each time you bank
online. ESB Financial uses the highest
level of encryption (128-bit) to ensure your online transmissions
are secure. As security upgrades are made, you will be informed
when you log-in to ESB Online. |
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|
| Q. |
Is ESB Online Banking secure? |
| A. |
Yes. ESB Financial security features
and requirements (which include your ID and Online Password)
provide you with peace of mind when you access your account
information. In order to help protect your privacy, if you're
called away from your computer while you're signed in, we'll
sign you off after ten minutes of inactivity. To ensure the
security of your account information, ESB Online also uses the
128-bit SSL encryption. CLICK
HERE to go to our Security section for more information. |
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| Q. |
Do I have to register to use
ESB Online? |
| A. |
Yes, a one-time application is required to sign up for ESB
Online. You can apply now online
for ESB Online banking. Once this form is received by the bank
with your signature and account information, we will issue a
Bank ID number and a PIN (personal identification number). Upon
your first visit to the ESB Online Banking site you will be
asked to select a PIN of your choice and that PIN will be used
whenever you access ESB Online. |
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| Q. |
How much does it cost to use
ESB Online? |
| A. |
It's free to register and use most services. Any charge for
specific services will be clearly disclosed. |
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| Q. |
What if all my accounts do not
appear on my account list? |
| A. |
You must complete an updated ESB Online application agreement. |
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| Q. |
How current is my account information? |
| A. |
Account transactions and balances are real-time and may change
during the day as you carry out transactions. There may be delays
from time to time because of processing or system issues, which
we cannot control. |
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| Q. |
When will my funds become available? |
| A. |
Transfers you submit on bank-business days before the daily
cut-off time (5:30 pm) will be credited to your account on the
same business day. Transfers submitted after the cut-off time
or on a non bank-business day will be credited on the next bank-business
day. |
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| Q. |
What happens if I open a new
account after I am already signed up for ESB Online? |
| A. |
New accounts do not automatically appear on the ESB Online
system. Phone customer service and ask to have this account
added to your profile. You will be asked to complete an authorization
form. You must be sole or joint owner of the account to have
it added to your profile. |
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| Q. |
Can I change my User ID and
PIN? |
| A. |
Yes, you can change your user ID and PIN as often as you want.
Simply click on "Account Management" and follow the
simple instructions. The User ID cannot begin with a number
but may include a number. |
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|
| Q. |
What if I enter the wrong User
ID or PIN? |
| A. |
For security purposes, three consecutive invalid sign-on attempts
will "lock you out" of the system for 24 hours. If
you are locked-out, you need to contact customer service and
we will reset your User ID and PIN. |
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| Q. |
What if I forget my PIN? |
| A. |
We do not have access to your PIN once it has been changed.
However, we can reset your PIN back to your initial PIN and
you can then reset your own preferred PIN. Just give us a call. |
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| Q. |
What should I do if I think
someone has my access codes? |
| A. |
Immediately change your current PIN and Personal ID under
the "Account Management" option. Contact the bank
at (620) 342-3454 during business hours. |
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| Q. |
Will I continue to receive a
paper account statement in the mail? |
| A. |
Yes, we will mail a copy of your account statement at the
regular intervals. |
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| Q. |
How many statements can I see
online? |
| A. |
You will be able to access and print your most recent statement.
You can also view a range of transactions between dates as well
as images of your checks. |
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| Q. |
What if I get an error message? |
| A. |
If you get an error message please make a note of the message,
the error number and the time. Then simply call the bank and
we will make every effort to resolve the issue as soon possible.
If you have a problem that we did not address in this section,
please call and we will be glad to personally answer your question. |
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| Q. |
What should I do if I do not
get a response after clicking on a hyperlink or icon? |
| A. |
Sometimes, the Internet is unavoidably slow. Once you have
clicked on something, please wait. Avoid clicking repeatedly
on a particular link. |
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| Q. |
What is FDIC Deposit Insurance
and how can I estimate the adequacy of my deposit insurance? |
| A. |
Simply click here for the FDIC
web site or call us. We will be happy to visit with you
in more detail. |
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| Q. |
Can I get a single combined
statement containing all my deposit accounts? |
| A. |
Yes. You can include any deposit account on a combined statement
that has the same ownership. If you wish to do so, simply call
customer service and tell us which accounts you wish to include
on a single statement. |
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|
| Q. |
Do you offer direct deposit
of my payroll, social security or income tax refund? |
| A. |
Yes. All three options are available. We can assist you with
direct deposit of your social security. Ask your employer if
they offer direct deposit of your payroll. To have your income
tax refund directly deposited to your account, tell your tax
preparer or complete the forms that come with your income tax
return. |
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|
| Q. |
I went to the store to make
a purchase and handed a check to the clerk. The clerk hands
the check back to me with an authorization form to process it
electronically. What is happening? |
| A. |
The information on your check will be processed by the merchant
and sent to the bank electronically. The electronic check takes
the place of your paper check. Only merchants to whom you have
written a check for a purchase can process that check electronically.
They are required to get your signature on an authorization
slip at the time of your purchase. You get your check back since
the merchant no longer needs it after the information on your
check is recorded. You should retain the check for your records.
Generally, your account will be charged in one or two business
days after your purchase. The transaction will be listed on
your account statement with other electronic transactions showing
the name of the merchant, the description "PURCHASE",
and the check amount. You can put a stop payment on the amount
just like a paper check. If you need to return your purchase,
you should contact the merchant regarding their check refund
policy. |
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|
| Q. |
How does a check card or debit
card work? Is it like a credit card? |
| A. |
ESB Financial issues check cards (also called debit cards) that can be used to obtain cash from your account at an ATM as well as to make a purchase from any merchant who accepts VISA debit cards. When making a purchase, the merchant will use your Debit Card to process your purchase electronically. You will be asked to provide a Personal Identification Number (PIN) at the time of purchase. Generally, your checking account will be charged in one or two business days after your purchase. The transaction will be listed on your account statement with other electronic transactions showing the name of the merchant, the description "ELECTRONIC FUNDS PURCHASE", and the purchase amount. If you need to return your purchase, you should contact the merchant regarding their check refund policy.
You may use your ESB Debit Card/Star ATM card for total purchases and ATM cash up to $300 per day unless additional funds access is extended. Please contact our customer service representatives.
A debit card is different from a credit card in that it is subtracted from your checking account in one or two business days after your purchase. Your credit card is charged to a separate credit account with a separate statement mailed to you and the option of making monthly payments on the balance.
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| Q. |
What if my ESB Debit Card is
lost or stolen? |
| A. |
Immediately call toll free (877) 342-3459 during
business hours. If after hours, call Star at (800) 658-6644.
Do not delay in reporting a lost or stolen card! |
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|
| Q. |
How can I protect myself from
identity theft and account fraud? |
| A. |
1. Never respond to unsolicited requests for your social
security number or financial data.
2. Report lost or stolen checks immediately. Call us toll free at (877) 342-3459.
3. Store checks in a safe place.
4. Notify your banker of suspicious phone inquiries.
5. Guard all personal ID codes (PIN). Avoid easy to figure
out access and PIN codes.
6. Tear up all financial documents before disposing of them,
including any pre-approved credit offers you have received
that you don't plan to use.
7. If regular bills fail to reach you, call the company to
find out why.
8. Be careful that thieves do not take your outgoing mail
to steal your identity. Deposit outgoing mail into a secured US Postal Mail Box.
9. If your bills, bank statements or credit card statements
include suspicious items, don't ignore them.
10. Periodically contact the major credit reporting companies
to review your file and make certain the information is correct. Click
Here.
11. Use only secure sites when making online purchases. Secure
pages begin with "https."
12. Pay for online purchases by credit card to assure you
get what you paid for and to limit your liability.
13. Check social security earnings and benefit statements
annually for fraudulent use.
14. Federal agencies will not contact you and ask for personal information.
For more information on ESB Financial's
Privacy Policy. For more information on Identity Theft visit our consumer links.
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