Online Banking

Online Banking FAQs

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Online Banking
How do I sign up for Online Banking?

You simply fill out an enrollment form, available online and at all Ramsey National Bank locations. If you are not currently a Ramsey Bank customer, go to any Ramsey National Bank location to open an account and sign up for Online Banking.

How much does Online Banking cost?

Online Banking is free.

What do I need to get started?

Along with a computer, you will also need:

  • A Ramsey National Bank account
  • A Personal computer using Windows
  • A browser with at least 128 bit encryption
  • Internet access through an Internet Service Provider
What kind of browser do I need to have?

Online Banking supports Firefox 31 and higher, and Microsoft Internet Explorer™ 11.0 and higher. AOL and other browsers need to verify that your version supports SSL encryption. For added security your browser must support 128-bit encryption.

How will I know how to use it?

Online Banking is designed to be user-friendly. The screens are simple to follow and you can always access help when you need it.

Plus, when you sign up for Online Banking, you will receive a Welcome Kit which has everything you need to know to make managing your money a breeze. It also provides bank telephone numbers if you need assistance.

What happens if I don't log off the system?

The system has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using the system, you will have to log in again to resume banking.

Can I change my User ID or PIN?

Yes, you can change your User ID and PIN as often as you want. Simply click on Options and follow the simple instructions. The system will also prompt you to change this PIN every 180 days.

What if I enter the wrong User ID or PIN?

You are allowed 3 attempts to enter your Online Banking PIN. If unsuccessful after the 3rd attempt, you will be locked out. You will need to contact customer service at 1-800-726-0124 or 701-662-4046 for an immediate reset of your PIN.

What if I forget my Online Banking PIN?

You must contact a Customer Service Associate at 1-800-726-0124 or 701-662-4046 and have your PIN reset, because your PIN is confidential and known ONLY to you.

If I have a loan at Ramsey National Bank, may I set my loan payments in Online Banking?

You can set up loan payments under the Online Banking transfer function as recurring transfers.

How current is the information on Online Banking?

Online Banking operates in a "real-time" environment. As soon as you make a transfer, the transaction will be reflected immediately on your online account statement.

Bill Pay

Payees

What is a payee?

A payee is the issuer of a bill that is due to be paid by you.

How do I add a payee?

Clicking “add payee” at the top of the payments page will walk you through a one time, step-by-step setup process to gather key information used to send your payments.

What are payee categories?

Categories allow you to group your payees for customized listings, whether you’re scheduling payments, viewing pending transactions or researching your transaction history. You can manage your categories under My Account and assign a payee to a category when adding or editing them.

Can a payee see my payment comment?

No. Comments are for your personal use only and will not be sent with your payment.

Payments

When are payments processed?

Payments submitted before 2:00 AM CST Monday-Friday will be processed that day.  Payments received after 2:00 AM CST will be processed the next business day.

Can I make payments on a holiday or weekend?

No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.  Any payments "scheduled" to go on a weekend or holiday will be processed on the processing day before the weekend or holiday.

How do I set-up a person-to-person payment?

When adding payee, choose the “pay an individual” option. Whether you have their deposit account information or not, there are options readily available to send your payment.

How do check memos work?

Memos are available for use when there is additional information about the payment you need to disclose. (example: adding “apply extra payment to principal” on a mortgage payment)

How do I set up recurring payments?

To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

Can I see payments that will process more than 45 days from now?

Yes. You can view all your scheduled payments by clicking the “view more” link located in the “Pending” section of your payment page or the “view pending transactions” link available below the schedule payment section of your payment page.

Is there a cutoff date for editing or stopping a payment?

Yes. You may edit or stop a payment prior to 10:59 PM on the date the payment is scheduled to process.

What is my transaction history?

Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay.

How long are records stored in my transaction history?

Your transaction history will allow you to report transactions up to 18 months from the current date.

Why is there a limit on the number of payees I can pay at one time?

A payee limit is set to ensure your payments are processed as efficiently as possible.

eBills

What is an eBill?

eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.

How do I set up an eBill?

Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.

How does autopay work?

Autopay will schedule a payment for you when your new eBill arrives based on your preferences.

Rush Payments

What is a rush payment?

A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply.

How do I rush a payment?

If you have a bill that’s too close for comfort to the due date, you can use the “Rush Delivery” link to select a guaranteed delivery option.

Can I track a rush payment?

Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.

Transfers

What are transfers?

Transfers are electronic transactions that move money from one deposit account to another.

Can I transfer funds to accounts at another financial institution?

Yes. Click ‘Add Account’ under Transfers to begin the account setup process. Once the setup process is complete, you can schedule transactions to move funds from your financial institution to an account at another financial institution.

Pay From Account

Can I add another pay from account?

A Pay From account can be added by accessing “My Account” and clicking the “Add Account” link located in the pay from account section.

How do I edit pay from account information?

A Pay From account can be edited by accessing “My Account”, clicking the “View Account” link and clicking “edit” next to the pay from account.

Challenge Phrases

What are Challenge Phrases?

Challenge phrases are questions and responses known only by you to secure access to sensitive account and payment information.

Can I change my Challenge Phrases?

Yes. You may add or remove challenge phrases at any time from “My Account” within the “Security Information” section of the page.

Miscellaneous

How much does Bill Pay cost?

Bill Payment is FREE to individuals. Business accounts will receive 25 transactions free; transactions over 25 will be charges $.50 each.  Fees will apply for Gift Payments and Rush Payments.

How do I schedule an alert or reminder for myself?

Click “My Account” and use the “view alerts” link under the “Bill pay alerts” section of the page to set the notifications preferences within your bill pay account. To add a reminder from the payment page, click the payee name and use the “add reminder” link to have notifications sent to your phone or email when a payment is due.

Why does my dashboard say “attention required”?

If there are actions required, the “attention required” indicator will appear to notify you and provide links to help you resolve the items.

What is the Payment Calendar and how do I use it?

The Payment Calendar is a monthly snapshot of transactions that are pending or processed. You can access pending payment or payment history by clicking the transaction totals displayed on any given day.

How do I view my personal information?

Under “My Account”, click the “View/Edit personal information” link to review or edit your information.

How can I get help with my online bill pay account?

Contact options are available by phone at 866-841-1305 or using our live chat feature.

 

e-Docs
How do I enroll in e-Docs?

Log on to your Online Banking and click on the e-Docs tab. You will then be able to choose the accounts and documents you want to receive electronically. Next, confirm the email address your e-Docs will be delivered to and update if necessary. Finally, select a Security Phrase and click Enroll Now. You will receive an email confirming your enrollment.

How much does e-Docs Cost?

e-Docs are free, but there may be fees assessed for requesting paper copies.

What is needed to access e-Docs?

You will need Internet access with email capabilities and Adobe Acrobat Reader version 6.0 or higher.

Will my e-Docs have the same information as the paper version I previously received?

Yes, your Statements and Notices will contain all the same information as the paper versions and any important notices from Ramsey National Bank.

When can I view my e-Docs?

Customers receive notification via email that their statement or notice is ready for viewing. Simply check on the attachment in the email notification and enter your Online Banking User ID/Password to view your document.

What if I accidentally delete my e-Docs email notification? Can I still view them?

Yes. Access the e-Docs tab via Online Banking to find a document.

How do I save my e-Docs for future reference?

Your e-Docs can be retained by printing or saving the document to your PC or storage media.

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

Yes, for an applicable fee. Please contact a Customer Service Representative at 800-726-0124 or 701-662-4024.

Is my financial information secure?

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!

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

Yes. You will have the ability to establish three additional recipients to receive your e-Docs.

How do the additional recipients access my e-Docs?

It is your responsibility to establish and maintain their ID, password and email address. If they forget their password, or become locked out, they must contact you to obtain access again.

What if my email address changes?

To continue receiving the email notice of your latest e-Docs, you will need to update your email address via Online Banking. Click on the e-Docs tab to update this information.

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

If you cannot access your e-Docs or you forget your password, you can contact us through our website or call 701-662-4046 or 800-726-0124.

How do I discontinue e-Docs?

Access the Online Banking e-Docs tab and deselect each account by removing the checkmark.

What is Adobe® Reader™ and why do I need it?

Adobe® Acrobat® Reader™ is free software used for viewing and printing electronic forms. You will need this software installed on your computer in order for your computer to download, display or print your statement and images. Visit www.adobe.com to download the reader.

Mobile Banking
How do I sign up for Mobile Banking?

If your mobile device is a smart phone, iPad, tablet or similar device with a small screen you will be able to go to www.ramseybank.com/mobile and use our Mobile Banking site.

If you do not have a smart phone or one of the devices listed above, you will need to use a different Mobile Banking site.  You will need to log on to your Online Banking, select Options then Mobile Settings. Answer the Mobile Banking questions and read the Agreement. After you click Submit you will receive a SMS (Short Message Service) text that will give you the URL to sign on to Mobile Banking.

How much does Mobile Banking cost?

There are no charges from the bank for Mobile Banking. However, there may be charges from your wireless provider.

Can I use any mobile device to access my accounts?

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS (Short Message Service) texts will be sent to the phone number entered when enrolling for mobile banking, not any device from which you perform a transaction.

What functions can I perform from my mobile device?

Provided that you have been given access, you can:

  • View Transaction History
  • Pay Bills to existing Payees
  • View Account Balances
  • View Alerts
  • Transfer Funds between accounts
How can I search for a transaction?

You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.

How do I know if my transfer or bill payment transaction was entered successfully?

Each time you make a transfer or bill payment, a confirmation SMS text will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device, you will receive an SMS text as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

Why can't I add a new payee?

You are limited to sending payments to already established payees. To add a new payee, you will need to log in to the Internet-based NetTeller site. You can then submit payments to the new payee via your mobile device.

How do I delete a Bill Payment that I set up through my mobile device?

You must log in to the Internet-based NetTeller site and delete the payment from the main menu of Bill Pay.

What happens if I lose my mobile device or get a new phone?

Since your account data is not stored on your mobile device, your information cannot be stolen. If you change your phone number or provider, simply log in to your Online account via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS texts regarding Mobile Banking transactions if your phone number is not correct.

What if I can't get my mobile device to work with Online Banking?

There are a number of reasons that you may experience trouble accessing the mobile version of Online Banking on your phone. To use the mobile version, you need to do the following:

  • You must be enrolled in Online banking before you can gain access.
  • Your mobile device has to be web enabled.
  • Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this)
  • You may need to consult the manual that came with your phone or have your wireless service provider assist you.
Service and Support
When is Online Banking available?

Online Banking is available 24 hours a day, 7 days a week.

Who do I contact if I have a question or problem with Online Banking?

If you are having problems signing on or any other general Online Banking question, you can use the Contact Us link on the home page to send a message to our Online Banking Administrator. We reply to messages during regular business hours. You may also call us at 701-662-4046 or 800-426-0124 for immediate assistance during regular business hours.

Who do I contact with account questions or to report discrepancies?

If you are signed on to Online Banking and notice an account discrepancy or any other account issue, use the Contact link at the top of the page to send a secure message. A representative will contact you as soon as possible during regular business hours. If you would rather talk to a representative, please contact us at (701) 662-4024 or 1-800-726-0124 during regular business hours.

Who do I contact if I have a question about Mobile Banking or e-Docs?

If you have any questions about Mobile Banking functions or e-Docs, you will need to contact the bank at 701-662-4046 or 800-726-0124 during regular business hours.

Technical
What is Multi-factor Authentication?

Multi-factor Authentication is a regulatory requirement to help protect your online activities. The system will track your normal online banking use, such as which PC you use and normal online banking transactions for you.  Online banking customers will be prompted to select and answer 3 individualized questions every 180 days. In the future you will only be prompted to answer these questions if the system determines that your pattern of use has changed.