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Provident Bank

Online Banking

 

  1. 1. How can I get set up for Online Banking?
  2. 2. Exactly what equipment and software do I need to access Provident Bank's Online Banking service?
  3. 3. Is the Internet safe and secure for online banking?
  4. 4. Can anyone else see my account information? Is it out in the public?
  5. 5. I can view other areas of Provident Bank's Website but I can't get into Provident Bank's Online Banking system. What's wrong?
  6. 6. What if Provident Bank's Online Banking system goes down? Will my payments be made, will my transfers go through?
  7. 7. How do I add another account to my Online Banking?

     Bill Payment

  1. 1. How do I sign up for Bill Payment service?
  2. 2. How much does it cost to use Bill Pay?
  3. 3. How long does it take for a payment to reach my payee?
  4. 4. Should the process date I give be the date the payment is actually due?
  5. 5. How soon are the funds actually taken out of my account?
  6. 6. What happens if I don't have enough money in my account to cover a bill payment?
  7. 7. What should I do if a payee has not posted my payment?

Account Information

  1. 1. What types of accounts can I access in Provident Bank's Online Banking system?
  2. 2. Can I have more than one checking account linked to Provident Bank's Online Banking system?
  3. 3. How current is this information?
  4. 4. Does Provident Bank's Online Banking system work with Quicken?
  5. 5. Can I transfer funds between accounts?
  6. 6. Can I setup recurring or future dated transfers?
  7. 7. Can I make a Provident Bank loan payment?

 

Online Banking

 

Question #1

How can I get set up for Online Banking?

 

Answer:

You can enroll online in just a few minutes.  Your enrollment form is automatically sent to our Online Banking Support department for processing and review.  A letter of confirmation will be mailed to you and account update access will be granted usually by the next business day.

 

 

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Question #2

Exactly what equipment and software do I need to access Provident Bank's Online Banking service?

 

Answer:

You will need an Internet Service Provider (ISP), a broadband connection, and Browser software which supports Secure Sockets Layer (SSL) encryption. For best results, we recommend Microsoft Internet Explorer 11 or Google Chrome.

 

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Question #3

Is the Internet safe and secure for online banking?

 

Answer:

Yes. To ensure the security of your account information, Online Banking uses 128-bit SSL encryption.

To help protect your privacy while you are using the service, we will automatically sign you out of the Online Banking system after a few minutes of inactivity.  You can help safeguard your information by protecting your User ID and Password.

 

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Question #4

Can anyone else see my account information? Is it out in the public?

 

Answer:

No. Your online account information is available through access methods that have been rigorously tested for security accessibility. It can only be accessed using your Sign-On ID and Password.

You can help safeguard your information and the banking systems by following the guidelines listed below for protecting your Sign-On ID and Password.

    *   Select a password that does not contain easily obtainable information about you.

    *   Memorize your Password and change it periodically.

    *   Never disclose your User ID or Password to anyone.  You are responsible for keeping both secure and confidential.

    *   Never place them on or near your computer. 

    *   If you feel someone may have obtained your Password change it immediately.  Contact the Bank to report this information.

 

 

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Question #5

I can view other areas of Provident Bank's Website but I can't get into Provident Bank's Online Banking system. What's wrong?

 

Answer:

If you are able to view other areas of our web site, but are unable to access Provident Bank’s Online Banking system, it may indicate that you are having a problem accessing secured sites in general. Both your browser and Internet Service Provider must support secured sites. Refer to the requirements for using Provident Bank's Online Banking system. Using other browsers may prevent access to Provident Bank's Online Banking system. Another reason that you might not be able to access Provident Bank's Online Banking system is that your cookies may not be enabled. In order to enter the secure encrypted site you must accept the cookies. To Enable cookies for Internet Explorer 5.5 or higher:

*   Click on start

*   Click on setting

*   Select control panel

*   Click on "Internet Options" icon

*   Click on the tab marked "privacy"

*   Choose appropriate security level

 

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Question #6

What if Provident Bank's Online Banking system goes down? Will my payments be made, will my transfers go through?

 

Answer:

If Provident Bank's Online Banking system and all of our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the bank to ensure your transaction request has been accepted.

 

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Question #7

How do I add another account to my Online Banking?

 

Answer:

Once you sign on to Online Banking, go to the “Account Services” tab and then click on “Account Management” located on the left hand side of the Account Services screen. Click on “Add New Account” and complete the applicable information. Once your account has been added, you may be in a “view-only” status for approximately 24 hours while we review your request. During this initial 24 hour review period you may not be able to transfer funds or set up any bill payments. Please call our Customer Care Center at (800) 442-5201 if you are unable to transfer or set up bill payments after the 24 hour review period.

 

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Bill Payment

Question #1

How do I sign up for Bill Payment service?

 

Answer:

You can sign up for Bill Payment anytime you want. Just click on the Payments tab on the top of the screen and then click Pay your bills. You will be presented with the opportunity to enroll. Simply accept the Bill Pay Terms & Conditions and you can immediately start using the service.

 

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Question #2

How much does it cost to use Bill Pay?

 

Answer:

There are no monthly fees for using the Bill Payment service. Fees may apply to optional services such as expedited payments, Popmoney, etc.

 

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Question #3

How long does it take for a payment to reach my payee?

 

Answer:

CONSUMER: The Payee receives the payment on or before the scheduled pay date you specified. You choose the date you want the payee to receive the payment. You should access bill pay at least four business days prior to the date you want the payment to reach the payee. To ensure the payment arrives by the Payment Date, we will send the payment to the payee one (1) to three (3) business days before the Payment Date.

BUSINESS: Each payment made by Provident Bank's Business Online Banking system will be processed either by check or by electronic funds transfer. The Bill Payment system will withdraw the funds from your account on the Process Date you designated.  The Bill Payment system will provide an estimated delivery date for you to review.

If the payment is made through electronic funds transfer, it will take approximately 3 business days for the payment to reach your payee.

If the payment is made by check, however, it will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent.

The safest thing is to always schedule your payments at least a few days ahead of the date they are due and remember to review the estimated delivery date provided by our Bill Payment system. This will ensure that the payment will be made and processed in time.

 

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Question #4

Should the Process Date I give be the date the payment is actually due?

 

Answer:

CONSUMER: Yes, You choose the date you want the payee to receive the payment.

BUSINESS: No. You need to allow seven (7) business days for the payment to reach your payee, so enter a Process Date at least seven (7) days before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually processed (sent to the payee) only on business days.

 

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Question #5

How soon are the funds actually taken out of my account?

 

Answer:

CONSUMER: The “Pay date” indicated on the system is the date that the bill is scheduled to arrive at its destination. There are two (2) ways payments can be withdrawn from your account depending on who you are paying. In most cases, funds will be deducted from your account on the pay date you specify. For some payees such as small businesses and individuals, a paper check may be sent. In these cases, the money will be deducted from your account at the time the payee deposits or cashes the check.

BUSINESS: Payments will be processed on the date you request in the Process Date box.  The funds will be withdrawn on the Process Date or if this date is a weekend or a holiday, the funds will be withdrawn the previous business day.

 

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Question #6

What happens if I don't have enough money in my account to cover a bill payment?

 

Answer:

CONSUMER: A debit to your account will occur on the Payment Date (except for draft checks).  If the debit is returned for insufficient or uncollected funds, we will automatically retry to debit your account.  You will be notified of the failed attempt to debit your payment account and that a second attempt will occur.  If the second attempt is not successful, we will attempt to contact the Payee to reverse the payment.  If the transaction cannot be reversed, our collection department will make arrangements with you to collect the funds.

BUSINESS: If your account has sufficient overdraft protection to cover the payment, we'll draw against that.  Otherwise, the payment will not be processed.  You will be notified of the bill payment cancellation the next time you log in to Online Banking.

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Question # 7

What should I do if a payee has not posted my payment?

 

Answer:

You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the payee name, date sent, and dollar amount of the payment to research. The payment will then be traced and a status response will be sent to you.

 

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Account Information

Question # 1

What types of accounts can I access in Provident Bank's Online Banking system?

 

Answer:

You can access the following types of accounts:

*   Checking

*   Savings

*   Loans

*   Time Deposits

*   Retirement Accounts

 

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Question #2

Can I have more than one checking account linked to Provident Bank's Online Banking system?

 

Answer:

Yes. You can link all of your checking accounts to Provident Bank's Online Banking system.

 

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 Question #3

How current is this information?

 

Answer:

All transactions and balance updates are performed in real time, so any transactions you perform today that change your balance will be reflected immediately.  Certain ATM and Visa Check Card transactions can take longer to clear, and will not be deducted from your account balance until they have cleared.

 

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Question #4 

Does Provident Bank's Online Banking system work with Quicken?

 

Answer:

Yes, Online Banking works with Quicken. You can also Export from Online Banking to Quicken. 

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Question #5 

Can I transfer funds between accounts?

 

Answer: 

Yes. You can transfer funds between your checking and savings accounts.  You can also transfer funds to make a loan payment on most Provident Bank loans.  In addition, you may perform Cross Account Transfers from one of your consumer accounts to another customer’s consumer account provided you know their account number.

 

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Question #6

    Can I setup recurring or future dated transfers?

 

Answer:

          Yes.  It is quick and easy to set up recurring or future dated transfers.          

          There are a variety of Frequency options available to choose from including monthly, quarterly, and annually.

          You can set up a future dated transfer up to 365 days in advance.

 

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Question #7

Can I make a Provident Bank loan payment?

 

Answer:

Yes.  You can make a Provident Bank loan payment from your linked Provident checking or savings account.

 

 

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