Frequently Asked Questions

FAQ’s at Security National Bank

Welcome to Security National Bank's Frequently Asked Questions page. We developed these Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered in these pages, please email us at info@securitynb.com.

 

Banking FAQ’s

Online Banking FAQ’s

Bill Pay FAQ’s

Security



Banking FAQ's

Q: Are my deposit accounts FDIC insured?

A: Yes. Each individual customer's account is insured by the FDIC up to $250,000 per account.

 

Q: How do I set up Direct Deposit of my payroll check?

A: After your checking account has been opened, we will provide you with our routing and transit number and your account number. If your employer takes part in a direct deposit program, provide this information to the payroll or human resources department, and your direct deposit will usually begin within thirty days.

 

Q: Can I open an account if I don't live in the United States?

A: At this time, we only open accounts for persons residing in the United States with valid U.S tax identification numbers (Social Security Numbers).

 

Q: Do you use Qualifile AKA ChexSystems to verify new account applications?

A: Yes. We use Quailifle AKA ChexSystems to verify all new account information.

 

Q: Can I do all of my banking with you?

A: Yes! Thanks to Direct Deposit and ATMs, toll free information line, online and mobile banking, everyday banking tasks can be performed on your own time.

 

Q: What is the cut-off time for a deposit to post to my account?

A: Branch transactions processed prior to 3:00 P.M. Monday through Friday will post to your account that same day. Debit transactions vary by merchant.

 

Q: How long does it take for me to receive my MasterCard Debit Card after my application has been approved?

A: Approximately 2 weeks. Existing customers can be approved that same day with new deposit customers taking 30 days for approval.

 

Q: Where can I find a no-charge ATM?

A: We are part of the AlphaLink ATM network which allows you to withdraw money free of charge at any ATM in the network.

 

Q: Can I access my account information at any time?

A: Yes! With Online, Mobile Banking and Easy Access, you have access to your account information at any time.

 

Q: How do I make a deposit to my account from a remote location?

A: You can do most of your banking by direct deposit or via ACH (Automated Clearing House) transactions. SNB now offers mobile deposit! Sign up under your account, services & mobile deposit sign up. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits.

Contact us for further questions @ 800-594-0242.



Online Banking FAQ’s

 

Q: What is Online Banking?

A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

 

Q: What is required to use the Online Banking service?

A: All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®. You can use any computer that has Internet access. Firefox is the preferred browser but certain versions of Internet Explorer, Google Chrome, Opera and Safari are also compatible.

 

Q: How do I access Online Banking?

A: Click here to complete the Online Banking Registration form and submit it to us. Once your registration is received we will process your request. You will receive an email invite from ebanking@securitynb.com. The invite will contain a link, click on the link and enter your Security Code. You must have an existing checking, savings, CD or loan account before banking online. You will receive the email invite within 2 business days. The invite will only be valid for 3 days.

 

Q: What can I do with Online Banking?

A: You can view account balances and transaction history, transfer money, and download transactions to your PC and much more. Check out the Online Banking Demo to see all the features of Online Banking and how you can personalize your online banking experience.

 

Q: When can I use Online Banking services?

A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

 

Q: Is there a demo available for me to try?

A: Yes, we have an Online Banking Demo.

 

Q: How long can I be inactive before being logged out of the Online Banking product?

A: The inactivity time out is 30 minutes.

 

Q: Can I create my own password that is easy for me to remember?

A: Yes, after you receive the invite email from ebanking@securitynb.com and enter your Security Code, you will be prompted to set up both the user name and password. The user name cannot contain a special character.

 

Q: What happens if I forget or lose my user name and/or password?

A: Just call us at 800 594-0242 and we will take you through the steps needed to get back into the system immediately or you may click the forgotten password/user name links located under the User Name field and follow the steps given for each.

 

Q: How current is my banking information?

A: Your account information is real time. It will provide your balance, any pending items and your available balance.

 

Q: What accounts will I be able to access through Online Banking?

A: You can access your checking, savings, certificate of deposits and loan accounts from the Online Banking service. Our Online Banking Product is intended to give you as much access, security, and versatility as possible.

 

Q: How much account information can I view at once?

A: The system will automatically show the last 30 days of activity. However, by selecting the Transaction Tab and then click the drop down for This Month, you will have options to search for more history.

 

Q: Can I view my account details in more than one way?

A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

 

Q: Can I schedule future transfers and/or set up alerts?

A: Yes. You can schedule quick, future and recurring transfers and loan payments under the Transfer Tab. The Alert tab is found under Settings. On the Alert Tab you can set up several different kinds of alerts.

 

Q: How can I add accounts to view and/or set up transfers after I have already enrolled?

A: Click here to complete our Add Accounts form, which you can also access and submit via the support tab within online banking.

 

Q: How long can I be inactive before I am removed from Online Banking?

A: 180 days

 

Q: Where can I change my password, email address, greeting and security questions?

A: These can all be changed by clicking on Settings and then the Security tab.

 

Q: Can I view my statements online?

A: Yes, click on the statement tab for the account and complete the information located at the bottom of that page. Once you are set up, your statement will be accessible at your normal statement time. You will be required to perform a brief verification when viewing the statement. You will no longer receive paper statements.



Bill Pay FAQ's

 

Q: What is online bill pay?

A: Online bill pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It's safe, secure and easy to use.

 

Q: Who can I pay with online bill pay?

A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter, or relative.

 

Q: How do I start using online bill pay?

A: You can make a payment in four easy steps:

  1. Grab a bill and login to your account above in the title bar.
  2. Click on the "Bill Pay" link.
  3. Add your payee from the "Add Payees" button.
  4. Enter the amount you want paid and make your payment.

 

Q: How are online payments delivered?

A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

 

Q: Is online bill pay secure?

A: Paying bills online is one of the safest ways to pay your bills. Online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real time access to your payments activity.

 

Q: How long does it take before my payment is received?

A: Generally, your payment is received within 2 to 10 days, depending on whether or not it is sent electronically or via paper check.

 

Q: How are the scheduled payments processed with online bill pay?

A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the delivery date. Payments sent by check will be withdrawn from your account when Security National Bank is presented with the item.

 

Q: What are the primary benefits of online bill pay?

A: Here's a quick list of the many ways you can benefit from using online bill pay.

  1. Save Time. It takes only minutes to pay your bills each month. You save time on trips to the post office and filing away paper receipts. In addition, smart features such as recurring payments allow you to set up a schedule to pay your bills automatically.
  2. Save money. Online bill pay saves on postage, envelopes, late fees, and checks. If you pay just 10 bills per month, you can easily save over $75.00* per year.
  3. Stay Organized. Your payment history is stored online so you won't have to file and sort through paper receipts.
  4. Gain peace of mind. You can schedule payments in advance so you won't have to worry about paying bills when you travel. Bill pay reminders are also available to notify you it's time to pay your bill.
  5. Help the environment by saving paper. With online bill pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.*Savings are approximate and based upon the average annual cost of stamps, envelopes, and checks required for paying ten bills per month

 

Q: What is eBill?

A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your online bill pay account.

 

Q: How do eBills work?

A: eBills are delivered directly to your online bill pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

 

Q: Will I still receive paper statements when I have eBill?

A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

 

Q: How will I know if eBill is available for a payee?

A: If your payee is eligible for eBill, you will see a “Setup eBill” link next to their listing on your bill pay dashboard.

 

Q: What are the primary benefits of eBill?

A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

 

Q: What information is included in an eBill?

A: Balance due, due date and minimum payment amount is included in your eBill. If you need additional details, there will be a link that lets you login to your account on your payee's website, or you can check your paper statement.

 

Q: How do I pay an eBill?

A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.



Security

Q: What steps should I take if I've had my identity stolen?

A: Please, notify us right away. The FTC has provided an Identity Theft Recovery Guide to help you take the necessary precautions.

What Is Phishing?

Phishing is defined as "the practice of luring Internet users to a fake website by using authentic-looking email in an attempt to steal passwords, personal information, or introduce a virus attack." Further, it generally utilizes a website made to look similar, if not identical, to that of a legitimate financial institution or other service providers, such as a MasterCard credit card provider or the Federal Deposit Insurance Corporation (FDIC).

There are numerous methods employed to compel an Internet user to divulge personal information. Some such techniques include but are not limited to the following:

  • Avoid account closure/service interruption
  • Suspicion of fraud/phishing
  • Requests for charitable donations
  • Get rich quick schemes

 

Why It Is Important To Protect Yourself

Identity Theft is the fastest growing act of fraud in the United States. With the right information an identity thief can open financial accounts and credit lines in your name. Cash can be withdrawn or checks can be written against your existing accounts. Apartments can be rented and utility services can be established.

However, phishing scams are not limited to identity theft. For example, Visa has reported a rise in fraudulent PIN-based transactions believed to be the result of online phishing scams. The cardholder responds to a phishing email and in the response the cardholder provides personal information, such as account and PIN numbers. The criminal encodes the account number and PIN on either a counterfeit card or "white plastic" - any plastic card with a magnetic stripe. These cards are then used for withdrawals at ATM's around the world. Additional information about phishing can be found at www.visa.com/phishing.


Security National Bank's Email Policy

  • From time to time Security National Bank may contact you by email; however we do not send emails requesting members to update their account information.
  • Security National Bank does not request personal information via email unless the communication was first initiated by a member request.
  • Security National Bank highly recommends that the provision of any personal information be made by contacting us directly at 800 594-0242 or filling out a secure form on our online banking or website.

Tips To Avoid A Phishing Scam

  • Be suspicious of any emails requesting personal information.
  • Do not reply to suspicious emails and do not click on a link within suspicious email messages.
  • Contact the business/organization that is claimed to have sent the email directly. Use a published phone number or manually type the web site address into your web browser.
  • Never send personal information (e.g. credit or debit card number, Social Security number, or PIN) in response to an email request from anyone or any entity.
  • Report any suspicious emails to the business/organization claimed to have sent the email.

 

What To Do If You Suspect You Have Been A Victim Of A Phishing Scam

  • If you suspect that you may have given personal information in a phishing scam, you should assume that you have in fact done so.
  • Contact the business/organization relevant to the information provided (e.g. contact Security National Bank if you provided information regarding your Security National Bank debit card).
  • Take steps to closely monitor or close any account in question.
  • Monitor your credit accounts for signs of Identity Theft such as fraudulent transactions or unauthorized new accounts.

Security National Bank customers suspecting they are victims of a phishing scam should contact us at 800 594-0242.

 

Vishing: The New Identity Theft

Electronic thieves have a new method of attack. Because Internet users are learning not to click links in unsolicited emails in order to prevent phishing attempts, these thieves are now "vishing," which is short for "voice phishing."

A vishing attack often starts as an email appearing to be from a financial institution or legitimate online merchant. The individual is instructed to call a phone number to verify account information or because his or her account information has been breached. When a victim calls the number the person asks for personal and/or financial account data. In some instances they may even provide the victim's personal information, such as a credit card number, and ask for confirmation of the number or the three-digit security code on the back.

In other cases, rather than a person, an electronic phone banking application that imitates a real financial institution's phone banking has been known to be used. This application can prompt the caller to key-enter information, which is then captured. Vishers may also impersonate the Caller ID information on a person's home phone.

It's important to be aware of this new technique thieves are using to obtain your confidential information.

 

What To Do If You Suspect A Vishing Attack

Suspect Email: Do not call the number provided in the email. Call the company directly at a phone number obtained from a reliable source and advise them of the content of the email. Suspect Phone Call: Do not verbally provide or enter any information via your touch-tone phone. Hang up the phone and dial the company directly at a phone number obtained from a reliable source and advise them of the phone call. If your credit card number was provided to you for verification, call your financial institution directly and ask to have a new card number issued. If you suspect any of your Security National Bank accounts have had a vishing attack, contact us at 800 594-0242, Monday through Friday.