FAQ- Online Banking
Choose a Section
General
What is Online Banking?
Through Premier Bank's Online Banking services, you can manage your personal finances from your home or office, 24-hours a day, 7-days a week. With Online Banking you can:
- View account information
- View current transactions
- Transfer funds between accounts
- View checking account statements
- Enter Stop Payments
- Pay bills
- Download account information into: Microsoft® Money(OFX), Intuit® Quicken (QFX), Intuit® QuickBooks(QBO), Intuit® QuickBooks (IIF), Personal Finance (QIF), Spreadsheet (CSV), Word Processing (TXT). Note: We support up to 2 versions back (ex/ in the year 2010 we will support versions 2010, 2009 and 2008.
- Change your USER ID and PIN/PASSWORD
View an interactive demo of our online banking
How much does Online Banking cost?
Online Banking is FREE to all Premier Bank clients.
What do I need to enroll for Online Banking?
To enroll for Online Banking you need an active Premier Bank account. One of our personal bankers or Customer Care Representatives can set you up over the phone or in a branch.
How do I sign in?
Simply enter your Online Banking User ID in the Online Banking Login box on our home page, www.premier-bank.com and then enter your secure password.
Viewing Your Information
What accounts can I view?
Once you are registered with Online Banking, you can view any account or loan, view your online e-statement, transfer funds, review account history, and make bill payments. Online Banking allows you to verify your deposits and to use Check Imaging to view and print your cleared checks.
With Check Imaging, you can view the front and back of your paid checks online and even print a copy of the check. For your convenience, check images will remain online for 13 months.
To view your paid checks online, you must sign into Online Banking. Then, select the account from which the paid check in question was drawn (located in the "Deposit Accounts" column) and click on any paid check. The checks will appear bold and underlined.
What if all my accounts do not appear on my account list?
You must be a sole or joint owner on an account to have it added to your account list. If an account falls in this category and is not shown on your listing, simply contact us to have it added.
Can I access my IRA accounts with Online Banking?
Yes. You can view your account information, but cannot process transactions using Online Banking.
How current is the information in Online Banking?
The information displayed in Online Banking is real time information. You will see transactions post to your account as they occur. The available balance in your checking and savings accounts will change throughout the day based on your activity. As you use your Visa debit card, use an ATM, or transfer funds between accounts, your available balance will be updated to reflect that activity as it occurs.
Why does it sometimes appear that my Visa Debit Card transactions are posting twice?
Merchants use telephone communication to approve transactions from your card. They receive a pre–authorization and a permanent authorization, both of which appear on your account information. You may also see a pre–authorization for $1.00. There will be an offsetting credit in the same amount. In every case, the amount charged to your card will equal the amount of your purchase.
What does the "downloading" feature do?
The download option allows you to download your transactions into Microsoft® Money (OFX), Intuit® Quicken (QFX), Intuit® QuickBooks(QBO), Intuit® QuickBooks (IIF), Personal Finance (QIF), Spreadsheet (CSV) or Word Processing (TXT).
Passwords
What if I forget my Online Banking Password?
Click on the "Forgot your password?" link in the "Online Banking" box to use our "Password Self Reset" function to reset your password yourself, or you can notify the Customer Care Center at (850) 383-4617 to reset your password.
I have a hard time remembering my ID, how do I change it to something I can remember?
To change your ID from the original ID that was assigned when your online account was first setup please follow the instructions below:
- Log-in to Online Banking with your Current ID and PIN/PASSWORD.
- Choose the "Options" menu at the top of your screen.
- In the space below your Current ID, type your new ID, retype for verification, then select the submit button.
- You will then receive a message: "Your new Personal ID has been activated."
Please keep your original Online Banking ID in a safe place for future reference.
I would like to change my password, how do I do that?
To change your password please follow the instructions below:
- Log-in to Online Banking with your Current ID and Password.
- Choose the "Options" menu at the top of your screen.
- In the first space enter your current password and in the second space type your new password. Then reenter your new password again in the next space. Select the submit button.
- You will then receive a message: "Your new Password has been activated."
Why doesn't my Online Banking Password work?
You may be entering the wrong User ID or Password, or you could be locked out of Online Banking. You are allowed three login attempts; on the third attempt, if invalid, you are locked out of Online Banking. In addition, if you have not logged in to Online Banking in the past 90 days, you will be locked out of the system.
How can I prevent getting locked out of Online Banking? (coming Feb 1st)
"Password Self Reset" is available for your convenience! After you have successfully logged on to Online Banking for the first time, go to the "options" tab to select your secret question and answer. Now that you have selected your security questions, if you are ever locked out you can select the "Reset Password" tab at the top right of your screen. Follow the instructions and answer the questions. Your current password will now be set back to your original password.
Why does my password expire every 90 days?
While it may seem like an inconvenience to require you to change your password, this is an essential piece of the multi-layered security approach. Compromised user data becomes a commodity on the open black market for cyber criminals. Although you can't prevent customer data from being acquired, you can help to ensure that your data is not useful to the criminals by changing your password frequently.
Why can I not use my previous 4 passwords?
This prevents you from switching back and forth between familiar passwords each time the password expires and further promotes security on your account.
What characters must make up my password?
Passwords must be between 6 - 8 characters. Passwords must contain alpha and numeric characters. Passwords cannot have repeating characters. Passwords are not case sensitive.
What if I want to use a special character in my password?
Our system will only allow you to add a special character in your password once you are already logged into Online Banking. To change your password to include a special character click on the "Options" tab and enter your new password. Additionally, 14 days before your password expires the system will alert you during Online Banking log in that your password is about to expire and you may choose to reset your password with or without special characters at this time.
Password strength is an important consideration. Obviously, the more complex a password, the harder it is to guess. When presented with the option to use a 4-digit PIN (numbers only) many users will use 1234 or 2468 – something simple and often tried by fraudsters.
Password Tips: Choose a password that is memorable, but hard to guess. Make sure that it is NOT a name, a word, or something associated with an individual, such as login ID, birth date, initials, children's names, a sport, etc. Ensure that the password is NOT related to a place of business or a project, and avoid keyboard related passwords such as "asdfjkl" or repeating sequences such as "111111" or "aaaaaaa." Do not use English or foreign words proceeded with a number or special character such as: "Computer1," "2Micheal," or "Redskins!."
Choose passwords that are a combination of disassociated words, or compose a password from the first letters of a verse in a favorite poem, song or movie. You can also consider coming up with a sentence about your life and turn the letters of that sentence into a secure password you can remember. The following examples illustrate how a password could be composed:
- twrnika (Toto, we're not in Kansas anymore)
- 2bon2b (To be, or not to be that is the question)
- m1cwa98n (My first car was a 98 Nissan)
Note: Do not use any of these examples since they have been made public.
Transferring Funds
Which accounts can I transfer between?
You can transfer funds between any of your accounts.
How do I transfer funds between my accounts?
To transfer funds follow the instructions below:
- From the Premier Bank home page access Online Banking.
- Enter your Online Banking ID and Password and then select "Login."
- Next to the account you want to transfer from, click on the down arrow and select "Transfers".
- Click on the down arrow beside the "Add Transfer from" menu to select the account you wish to transfer from, then click on that account.
- The "New Transfer" screen will appear. Click on the down arrow beside the "Transfer funds to" menu, and click on the account you wish to transfer funds to.
- Key the amount to transfer, in dollars and cents (omitting leading zeros).
- Select the frequency you wish the transfer to be made.
- Enter the date you wish the funds to be transferred.
- Review your entry prior to posting for accuracy.
- Select "Submit." After the transfer processes, you will receive a confirmation number that you should keep until you balance your statement.
Are there limits to the number of Online Banking transactions I can conduct in a month?
Yes and no. While there are no limitations to transactions done through Online Banking, there are several products and services that have limitations and terms. For example, Regulation D applies to the number of transactions you can perform on savings accounts and money market accounts. For specific details, please consult your individual product disclosures previously received upon opening your account(s) with the bank.
Will my funds become available after I complete online transactions?
Yes, as long as you make a transfer during normal business hours your funds are available immediately. If you have any questions on availability the transfer function will alert you when funds are available.
Can I set up recurring or future date transfers?
Yes, to set up recurring or future date transfers simply use the instructions above in the "how do I set up a transfer?" instructions.
Can I transfer funds to my Premier Bank loan?
Yes, regular monthly payments to your loan can be transferred online after you receive your monthly statement.
Bill Pay
How does Bill Pay work?
Payments are sent to your designated payees on the day you select (Payment Date). Payments are sent either electronically or by paper check, depending upon the payee's ability to accept electronic payments. Electronic payments take up to two business days to reach your payee while paper checks may take up to eight business days-please consider this when selecting your date.
Payments will be electronically deducted from your checking account on or after the process date, never before. For your convenience, you have the option of setting up payments as one-time only or recurring.
Please keep in mind that the date selected for a paper check is the date it will be mail. Allow at least 7 days for delivery.
View an interactive demo of our Bill Pay.
What does Bill Pay cost?
There is no monthly service fee on our personal and business checking accounts. Make as many payments as you'd like!
Is it possible to schedule recurring payments?
Yes. You can schedule recurring payments at a variety of frequencies, such as weekly, monthly, quarterly, and more.
When is Bill Pay available?
It's typically available 24 hours a day, seven days a week. We will notify you if the system will be down for any system maintenance.
Are my Bill Pay transactions reflected in my account history?
Yes. All Bill Payment transactions become part of your checking account transaction history and show up on your monthly account statement and Online Banking account histories.
Can Bill Pay be used when I am out of the country?
Yes. All you need is access to the Internet with a secure browser and you can pay your bills while you are out of the country.
How is my account debited?
For electronic payments, you will see an electronic entry in your account history. The paper checks that are mailed will post against your account as if you had written it from your checkbook.
What is ACH?
Automated Clearing House is a funds transfer system which provides for the inter-bank clearing of electronic entries for participating financial institutions.
If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.
How do I place a stop payment on a Bill Payment?
A payment may be edited or deleted anytime before the Process Date. Payments that have been remitted electronically cannot be stopped. To place a stop payment on a paper check that has been remitted, contact us by calling (850) 383-4617
Security
Will Online Banking automatically close my session if I forget to exit?
Yes. After 10 minutes of inactivity, Online Banking will automatically log you out and close out your access.
After I "exit" Online Banking can I hit the "Back" button to view previous pages that were viewed earlier in Online Banking?
Some browsers will allow your personal pages that were viewed with Online Banking to stay in your browser's cache. If you leave the browser running on a computer in your office, home, or public place, then other people can use the "Back" button to view your balances and other personal information. If you are concerned with privacy you should clear the browser's disk and memory cache after logging off.
What can I do to keep my information secure?
- There are several things you can do to protect your Identification and Password.
- Do not use an obvious number or other accessible information for your Online Banking Password.
- Ensure no one is watching when you enter your Online Banking ID and Password.
- Memorize your Online Banking ID and Password rather than writing them down.
- If you record your Online Banking ID and Password, store the document in a secure place.
- Do not share your Online Banking ID and Password with others.
- Report any unusual activity immediately.
- Do not give your information to anyone requesting it over the phone unless you have initiated the call.
- Always log out of the system
Should I take special steps to ensure security of my personal information?
Since browsers cache (store) information that was just displayed, we recommend closing your browser after viewing or performing financial transactions, especially if someone else may use the same computer. It is also important to note that some browsers cache pages that are viewed during secure connections to the computer's hard drive. This can make it possible to view account information after you have closed the session. Your password can never be obtained from this, but anything you viewed, such as account balances, may be viewed later. Various browsers, browser versions, and browser platform implementations handle and configure this differently. This is a function of the Web Browser and will occur on any Internet site that you access a secure connections. It is not unique to Online Banking.
We recommend that you clear disk and memory cache. We recommend you use caution when accessing secure sites like Online Banking over the Internet and recommend you avoid using public computers in places such as libraries and universities to access secure information. We discourage the usage of the "saved password" option on various browsers. Remember to logoff after using Online Banking, clear disk/memory cache, and close/exit your browser when leaving your computer.
