Frequently Asked Questions for NetTeller and Bill Payment
NetTeller and Bill Payment
(Click on the word Bill Payment to skip to the Bill Payment Section.)
To help make your online banking experience a pleasant one, we have
tried to anticipate some questions you may ask. If you have further
questions, please stop by, call Commercial Bank at 1-800-273-8889 between
the hours of 8:00 A.M. and 4:30 P.M., or e-mail us at info@cbtcnet.com,
and we will be happy to assist you.
What is NetTeller banking?
How do
I get started?
How do you provide for the security of my banking information?
What can I do to protect my account and personal information
while I am banking online?
I forgot my NetTeller ID code. What do I do?
I created an alias for my NetTeller ID code but cannot
remember it. How do I get in the system?
The system has stopped accepting my commands, the login
screen appeared, and the system may have been idle for 10 minutes or
longer.
Is there a cost for NetTeller?
Which accounts can I access through NetTeller?
From which accounts can I transfer funds?
How late in the evening can I make transfers?
If the system shows an error during the transfer, what
do I do?
How current is the account information I access through
NetTeller?
If I open a new Commercial Bank account, how soon can
I start using NetTeller?
Can I download my account information to my financial
management software?
How much history is available to view?
The text, submit button, columns, and figures do not
fit on my screen.
What is NetTeller banking? | Back
to Top
NetTeller at Commercial Bank allows you to access your Commercial Bank
accounts and obtain balance information, perform account transfers and
statement retrieval, download account history or transactions, and stop
payments, all via the Internet.
How do I get started? | Back
to Top
NetTeller services from Commercial Bank are best viewed with Netscape
Navigator 3.02 or higher and Microsoft Explorer 4.0 or higher. The browser
must support 128-bit SSL encryption. If your browser does not support
128 bits, we suggest updating your browser to support 128 bits for added
security.
Stop by or call Commercial Bank, and we will assign you an initial NetTeller
ID code and a Personal Identification Number (PIN) to use when signing
on to the system. Once you sign on to NetTeller, you will be prompted
to change your PIN. The PIN must consist of 6 to 8 alpha/numeric characters
only. Never share your PIN!
How do you provide for the security of my banking information? | Back
to Top
We follow strict standards to provide for the security of your banking
information online. A few of these standards are listed below:
- Your banking information never travels the Internet without encryption protection.
- Login sessions have a time-out limit requiring you to login again once the limit is reached.
- PIN guessing is deterred and reported.
We are constantly developing and implementing security enhancements
to ensure the integrity of our Internet banking system.
What can I do to protect my account and personal information while I am banking online? | Back to Top
- Memorize your password. Your NetTeller ID code and PIN verifies you when you begin an online banking session with Commercial Bank.
- DO NOT use the save password option on your computer.
- DO NOT write down your password or reveal it to anyone.
- Change your password regularly.
- Remember to sign off. You may not always be at your computer when you bank online. Therefore, while in an open banking session, it is important to log-off when you are finished banking or when you leave the room for a few moments. For your protection, Commercial Bank automatically logs you off after 10 minutes of inactivity.
- Use the built-in security features of your browser. Choosing certain security settings and options will help protect the privacy of your accounts and personal information. The Help Option or Properties on your browser should provide you with the security options available on your system.
- If you feel your online NetTeller ID code or PIN has been stolen or compromised, please notify Commercial Bank immediately at 1-800-273-8889.
I forgot my NetTeller ID code. What do I do? | Back
to Top
Call Commercial Bank at 1-800-273-8889 between the hours of 8:00 A.M.–4:30
P.M. Monday through Friday. After proper ID verification, Commercial
Bank will give you instructions regarding your ID number.
I created an alias for my NetTeller ID code but cannot remember
it. How do I get into the system? | Back
to Top
Simply use the original NetTeller ID code that was assigned to you when
you first registered for NetTeller services. Once you are logged on,
you can create a new alias.
The system has stopped accepting my commands, the login screen
appeared, and the system may have been idle for 10 minutes or longer. | Back
to Top
For security purposes, the system is set with a default feature for
a 10-minute time-out. If the system is not used for 10 minutes, the
user will be inactive and will have to login again.
Is there a cost for NetTeller at Commercial Bank and Trust? | Back
to Top
No, online banking is FREE with any personal or business account at
Commercial Bank.
Which accounts can I access through NetTeller? | Back
to Top
With NetTeller at Commercial Bank, you can access your checking accounts,
savings accounts, money market accounts, Certificates of Deposit, Individual
Retirement Accounts (IRAs), loans, and lines of credit.
From which accounts can I transfer funds? | Back
to Top
You may transfer funds from a savings, checking, money market account,
or line of credit TO a loan, line of credit, savings, checking, or money
market account. Certificates of Deposit and Individual Retirement Accounts
(IRAs) have only viewing capabilities.
How late in the evening can I make transfers? | Back
to Top
The transfer cut-off time is 6:00 P.M. CST Monday through Friday and
does not include holidays or bank-declared holidays.
If the system shows an error during a transfer, what do I do? | Back
to Top
Do not immediately "reload" the transfer. First, check the
account the transfer was drawn on, and then check the account status
of the account to which the funds were transferred. If no debits or
credits appear on your accounts, then the transfer was incomplete. Only
then should you "reload" the transfer.
How current is the account information I access through NetTeller? | Back
to Top
Account information is “real time.” When transfers are made
online, the debit and credit will appear in each account once a confirmation
number is given by the system. If you make a withdrawal at an Automated
Teller Machine (ATM) or use a debit card, the information is posted
to your account as soon as Commercial Bank receives the data from either
the ATM vendor or merchant.
If I open a new Commercial Bank account, how soon can I start
using NetTeller? | Back
to Top
If you registered for NetTeller when you opened your account, your information
will automatically be accessible to you the next business day.
Can I download my account information to my financial management
software? | Back
to Top
Yes! You can download account information to Quicken, Microsoft "R"
Money, or a spreadsheet program such as Excel or Lotus. The information
may also be saved as text and exported to your favorite word processing
software.
When downloading account information, save the information to a designated
file folder on your computer or specify the destination required for
Quicken or Microsoft "R" Money. To retrieve the saved account
information, please follow the instructions on your software application
(Quicken, Microsoft "R" Money, etc.).
How much history is available to view? | Back
to Top
NetTeller at Commercial Bank includes 365 days of history, in addition
to the current month or current statement information.
The text, submit button, columns, and figures do not fit on
my screen. | Back
to Top
Use the scroll bars at the bottom and side of your screen. Depending
on your browser and monitor settings, certain information may not be
readable unless you use the scroll bar. To correct the problem you may
want to reset your monitor settings.
Bill Payment | Back
to Top
What bills can I pay through
online Bill Pay?
How many payees may I have set up?
Can I edit payee addresses?
How do I know if a merchant is electronic or check?
Can I set up recurring payments?
How far in advance should I set up a payment to insure
it is paid on time?
How late in the day can I enter, edit, or delete a payment?
What happens if I have a scheduled payment that falls
over a weekend or holiday?
What bills can I pay through online Bill Pay? | Back
to Top of Bill Payment Section
You can pay anyone in the United States from the next-door neighbor,
the utility company, the bank, and even a child in college across the
country. However, you cannot pay any government agency.
How many payees may I have set up? | Back
to Top of Bill Payment Section
You may have up to 99 payees set up through the Internet.
Can I edit payee addresses? | Back
to Top of Bill Payment Section
No. You will have to set up a new payee with the correct address and
delete the old one.
How do I know if a merchant is electronic or check? | Back
to Top
Once you have set up the vendor/merchant, you can look at the VIEW PAYEES
screen and see a field that will tell you if the payee is electronic
or check.
Can I set up recurring payments? | Back
to Top of Bill Payment Section
Yes, you can set up recurring payments in the following frequencies:
Weekly
Bi-weekly
Semi-monthly
Monthly
Bi-monthly
Quarterly
Semi-annually
Annually
How far in advance should I set up a payment to insure it is
paid on time? | Back
to Top of Bill Payment Section
Check payments should be scheduled 10 business days in advance of payment
due date. Electronic payments should be made 4 business days in advance
of payment due date.
* You may want to set up a payment to yourself so you can see how the
system works.*
How late in the day can I enter, edit, or delete a payment? | Back
to Top of Bill Payment Section
You may add, edit or delete payments up to 2:00 am for the 1st processing
and up to 12:00 noon cst for the second processing on the day the payment
is sent.
What happens if I have a scheduled payment that falls over a
weekend or holiday? | Back
to Top of Bill Payment Section
Scheduled payments that fall over a weekend will be processed on Friday.
Any new payments that are scheduled over that particular weekend will
be processed on Sunday night. Holiday processing occurs the last
working day before the holiday.
