Online Banking
Online Banking Business
Online Banking Bill Payment
e-Statements

 

Online Banking:
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What can I do with Online Banking?
Q What can I do with Online Banking? 
A

You can transfer funds between existing accounts within our bank, view account information, download transaction information to a spreadsheet, word processing document, or money management software, stop payment on a check and make payments on loans at Citizens Community Bank.

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What is money management software?
Q What is money management software? 
A

Money management software is software that helps you keep track of your finances. Some examples are Microsoft Money® and Quicken®.

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How do I access Online Banking?
Q How do I access Online Banking? 
A

After you have signed up for the service and have received your personal login by mail from us, visit our web site and click the Online Banking login button.

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Do I need any special software installed on my computer?
Q Do I need any special software installed on my computer? 
A

No. All you need is Internet access via an Internet Service Provider (ISP) and an Internet browser.

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What is an Internet Service Provider (ISP)?
Q What is an Internet Service Provider (ISP)? 
A

An ISP is a company that provides Internet service to customers like you. Without an ISP you will be unable to access the Internet.

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What is a browser and how do I get one?
Q What is a browser and how do I get one? 
A

A browser is software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows. You can also ask your ISP for more information on browsers.

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When are Online Banking transactions updated to my account?
Q When are Online Banking transactions updated to my account? 
A

Because Online Banking is in "real time" the transactions are updated immediately.

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When will regular bank transactions show up on Online Banking?
Q When will regular bank transactions show up on Online Banking? 
A

Regular bank transactions will show on Online Banking the following day.

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Can Online Banking be set up as a joint account?
Q Can Online Banking be set up as a joint account? 
A

No, however if the Bank account is a joint account it is acceptable for both account holders to share one Online Banking account.

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What happens if I forget my Online Banking PIN?
Q What happens if I forget my Online Banking PIN? 
A

You can call our Customer Service Department and ask them to reset your PIN at (208) 232-5373 or (800) 779-7143 (out of the area).

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Is there a fee for using Online Banking?
Q Is there a fee for using Online Banking? 
A

There is no fee for Online Banking.

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Online Banking Business:
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Can more than one user access the accounts for my business?
Q Can more than one user access the accounts for my business? 
A

Yes. Online Banking Business provides administrative functionality that allows the designated account administrator to grant access to additional users. There is no limit on the number of users that can access your online account.

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Can ACH capabilities be setup with dual control?
Q Can ACH capabilities be setup with dual control? 
A

Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability, dual control can be accommodated for all functions.

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How far in advance should ACH batches be initiated?
Q How far in advance should ACH batches be initiated? 
A

In order to ensure that the funds in an ACH batch reach their destination, you need to initiate the batch by 3:00PM MST one day prior to the effective date. The transaction will not post to your account until the effective date.

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Online Banking Bill Payment:
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Whom can I pay through Online Banking Bill Payment?
Q Whom can I pay through Online Banking Bill Payment? 
A

You can pay ANYONE in the United States... your credit cards, utility companies, loan payments, and even a child in college.

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How far in advance should I set up a payment to insure it is paid on time?
Q How far in advance should I set up a payment to insure it is paid on time? 
A

Payments should be scheduled 7 to 10 business days (3 business days for electronic payments) in advance of when you want the payment to actually be paid.

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When will the money be taken out of my account?
Q When will the money be taken out of my account? 
A

For electronic transactions, the money will be withdrawn from your account on the payment date you have set. For transactions processed by check, the money will be withdrawn from your account when the check is presented for payment by the payee.   Your account will never be debited before the payment date you have set.

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What happens if I have a scheduled payment that falls over a weekend or holiday?
Q What happens if I have a scheduled payment that falls over a weekend or holiday? 
A

Scheduled payments that fall over a weekend will be processed on Friday. Any new payments that are scheduled over the weekend (Sat-Sun), for the current weekend, will be processed on Monday. Holiday processing is done the next business day.

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What if I do not have enough money in my account?
Q What if I do not have enough money in my account? 
A

The bank will treat bill payment check transactions like any other check you write. Electronic transactions will not be sent until the funds are available.

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Can I schedule recurring payments?
Q Can I schedule recurring payments? 
A

Yes. You may schedule both one-time and recurring payments.

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How late in the day can I enter, edit, or delete a payment?
Q How late in the day can I enter, edit, or delete a payment? 
A

You may add, edit or delete payments anytime.   Transactions that need to be processed on the current day need to be entered by 11AM MST.

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Can I have multiple payments to the same payee on the same day?
Q Can I have multiple payments to the same payee on the same day? 
A

You can make multiple payments to the same person as long as the payment amounts are different. For your protection, the system will not pay duplicate items on the same day.

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Can I stop a payment?
Q Can I stop a payment? 
A

Yes. You can contact our Customer Service Department at (208) 232-5373 or (800) 779-7143(out of the area) or you can add the stop payment via your online banking account.

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Can I use Online Bill Payment if I live outside the U.S.?
Q Can I use Online Bill Payment if I live outside the U.S.? 
A

Yes, as long as you have a checking account with our bank.

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Can I get a copy of the cancelled check?
Q Can I get a copy of the cancelled check? 
A

You can request a copy of any check by contacting our Customer Service Department at (208) 232-5373. There may be a fee associated with this service. You can also look at a copy of the cancelled check via your online banking account if it occured in the past 90 days.

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How many payees may I have set up?
Q How many payees may I have set up? 
A

You may have as many payees as you wish.

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Can I edit payee addresses?
Q Can I edit payee addresses? 
A

No. You will have to set up a new payee with the correct address and delete the old one.

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e-Statements:
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What are e-Statements?
Q What are e-Statements? 
A

  An electronic version of your bank statement is called an "e-Statement" and an electronic version of a bank notice is called an "e-Notice."  Together "e-Statements" and "e-Notices" are "e-Statements."  You can view, print, and download e-Statements right from your computer.

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What are the benefits of e-Statements?
Q What are the benefits of e-Statements? 
A

  The benefits of e-Statements include:

  • Receive your statement or notice electronically instead of via the U.S. Postal Service. Avoid the wait for traditional mail and end paper clutter.
  • Available on personal and business accounts.
  • Secure - confidential financial information is not mailed to you, just an e-mail notice that your e-Statements are ready to be viewed.
  • You may store your statements or notices electronically - no more paper to store.
  • Your statements will be retained online for up to 18 months at a time.
  • It's fast, easy and free!
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What is needed to access e-Statements?
Q What is needed to access e-Statements? 
A

  You will need Internet access with email capabilities in order to receive e-Statements.  You are required to have Microsoft Internet Explorer 7.x or higher.  Other supported browsers include:  Firefox 3.x or higher and Mac Safari 1.0 or higher.  Mac Safari is the only Internet browser supported for Mac PCs.

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Will my e-Statements have the same information as the paper version I previously received?
Q Will my e-Statements have the same information as the paper version I previously received? 
A

  Yes, your e-Statements and e-Notices will contain all the same information as the paper versions including check images and any important notices from Citizens Community Bank.

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Will I continue to receive my paper statement or notice in the mail?
Q Will I continue to receive my paper statement or notice in the mail? 
A

  You will receive your statement and notices via e-mail and US Mail the first month after enrollment.  After that, they will be delivered solely via email notification.

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When can I view my e-Statements?
Q When can I view my e-Statements? 
A

  Customers receive notification via email that their statement or notice is ready for viewing.  Simply click on the secured attachment in the email notification or log in to your Online Banking account at www.ccb-idaho.com.  Enter your Online Banking ID and PIN then click on the e-Documents Tab to view your list of e-Statements.

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How do I enroll in e-Statements?
Q How do I enroll in e-Statements? 
A

  If you are a current Online Banking customer, select the e-Documents Tab and follow the prompts to enroll; you may also enroll in e-Statements at any branch location.

  If you are not an Online Banking customer, you may start the Online Banking enrollment process via telephone at 208-232-5373 or stop by any branch location.  After you receive your Online Banking ID and PIN, select the e-Documents Tab and follow the prompts to enroll in e-Statements.

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How long are e-Statements available for viewing?
Q How long are e-Statements available for viewing? 
A

  Access your e-Statements for each account enrolled up to 18 months.  If you are newly enrolled, your e-Statements will start from the date you enrolled.  You will also have the ability to save your statements.  It is your responsibility to retain your e-Statements by printing the PDF attachment or by saving the PDF file to your hard drive or other storage medium.

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What if I accidentally delete my e-Statements email notification? Can I still view them?
Q What if I accidentally delete my e-Statements email notification? Can I still view them? 
A

  Yes.  Access the e-Documents Tab via Online Banking within 18 months.

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How do I save my e-Statements for future reference?
Q How do I save my e-Statements for future reference? 
A

  Your e-Statements can be retained by printing the PDF attachment to your printer or by saving the PDF file on your hard drive or other storage medium.

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Can I request older statements or notices if I didn't save them?
Q Can I request older statements or notices if I didn't save them? 
A

  Yes.  Please contact your local branch or a Customer Service Representative at 208-232-5373. 

  Please Note: Fees may apply.

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Is my financial information secure?
Q Is my financial information secure? 
A

  Yes.  Your information is protected with the latest security features (128-bit encryption) and requires a password to access the information.  A security phrase only known by you is used as an additional layer of protection.  This ensures that your private information stays private!

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May I grant access to additional recipients (i.e. my accountant, trustee, Power of Attorney, etc)?
Q May I grant access to additional recipients (i.e. my accountant, trustee, Power of Attorney, etc)? 
A

  Yes.  You will have the ability to establish three additional recipients to receive your e-Statements.  To add additional reciients click on the e-Documents Tab, select "Additional Recipients" and click on "Add Recipient." 

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How do the additional recipients access my e-Statements?
Q How do the additional recipients access my e-Statements? 
A

  It is your responsibility to establish and maintain the ID, password, and email address of each additional e-Statement recipient.  

Please Note:   If they forget their password, or become locked out, they must contact you to obtain access again.

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What if my email address changes?
Q What if my email address changes? 
A

  To continue receiving the email notice of your latest e-Statements, you wlil need to update your email address via Online Banking.  Click on the Options Tab to update this information.  You can also update your email address by calling 208-232-5373 or stopping by any of our branch locations. 

It is important to maintain a current email address.

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Who should I contact if I can't access or don't receive my e-Statements?
Q Who should I contact if I can't access or don't receive my e-Statements? 
A

  If you can not access or don't receive your e-Statements or you forget your password, call Customer Service at 208-232-5373 for assistance. You can also contact us via Online Banking; go to "Messages" then click on "Send Message" to send an email through our Secure Message site. 

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