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1. |
How much does Online Banking cost? |
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Online Banking and Bill Pay are free. Please see #18 below for fees for external Funds Transfer and Pay People. Please contact us at 800-648-3194 for information on business online Cash Management. |
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2. |
What
can I do with Online Banking? |
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You
can view account balances and transaction history, transfer money,
pay bills online, and download transactions to a personal financial manager 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. |
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3. |
Is
any of my personal information stored in the Online Banking product? |
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Yes,
the Online Banking product stores your User ID, password and user
preferences. If you keep a stock portfolio, that information is also
stored. |
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4. |
How
current is my banking information? |
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All
current transaction information is shown online. Your account history
is updated Tuesday through Saturday with transactions that were posted
to your account the previous business day. Please note that "memo-posted" items will disappear from the system late in the evening, to be "hard-posted" as prior-business day items by 6:00am the following morning. |
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5. |
What
accounts will I be able to access through Online Banking? |
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You
can access your checking, savings, investment 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. |
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6. |
How
much account information can I view at once? |
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The
system will automatically show the current month's transactions and
information. However, by selecting User Options > History Date Range, you can choose
to view the previous 10 days, the previous 30 days, the previous 60 days, or the current month and the previous month. Or, you can choose
to view your account from the current date to same date of the previous
month. |
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7. |
How can I view the running balance in my Account History? |
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The running balance will automatically appear in your Account History when you click "View Recent Transactions" from the Account Summary page. To view the running balance for another date range, be sure to include the current date as the end date. The system relies on the current real-time balance to generate the running balance. For example, if the current date is May 28, 2008, and you need to view the running balances for January 2008, set the date range to 1/1/2008 through 5/28/2008. (Hint: if you normally view your history in descending order, you may want to change this to Ascending in User Options/Change History Default Sort Order, so that the January transactions will show at the top of the screen.) |
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8. |
Can
I view my account details in more than one way? |
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Yes,
you can view your accounts by date, check number, payee, amount or
balance in ascending or descending order. |
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9. |
In
what formats can I download my transaction history? |
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Online
Banking supports downloads to Quicken, Quickbooks, Microsoft Money
or as a comma-delimited text file. |
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10. |
Can
I schedule future and recurring transfers? |
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Yes.
To do so, click on Scheduled Transfers. |
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11. |
When
can I use Online Banking services? |
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With
Online Banking, you have access to your account information 24 hours
a day, 7 days a week! |
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12. |
How
many stocks can I track in my online portfolio? |
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Your
online portfolio will track up to 20 stocks. |
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13. |
Is
there a demo available for me to try? |
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Yes,
we have an Online Banking Demo
that is part of the Online Banking package. |
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14. |
How
long can I be inactive before being logged out of the Online Banking
product? |
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The
inactivity time out default is set for 20 minutes. However, you can
define the timeout period in the User Options area for 20, 30 or 40
minutes. |
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15. |
What
is required to use the Online Banking service? |
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All
you need to use Online Banking is a secure browser that supports 128
bit encryption, such as Microsoft Internet Explorer®, Netscape
Navigator® or America Online®. You can use any computer that
has Internet access. |
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16. |
How
do I sign up for Online Banking? |
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You
may sign up online. Go to the main Online Banking page, click the
"Sign Up" button and complete the online registration form.
Once your registration is received, we will process your request.
You must have an existing checking, savings or loan account before
banking online. Please contact us at 1-800-648-3194 with any questions. |
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17. |
What
happens if I forget or lose my password? |
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Just
call us at 1-800-648-3194 and we will take you through the steps needed
to get back into the system immediately! |
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18. |
What
are the charges, limits and turnaround time for Funds Transfer &
Pay People? |
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Please note: only transfers to and from US
Financial Institutions are allowed. |
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Charges
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Standard
and Pay People transfers require 4 business days to process.
Premium transfers occur the next business day.
The Charge is calculated based on transaction amount, whether
your funds are being transferred into or out of your American
Marine Bank account, and the service type you select. |
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Transfer
Funds |
Pay
People
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Transaction
Amount |
Standard
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Premium
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Make
Payments |
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INTO
AMB
Account |
OUT
OF
AMB
Account |
INTO
AMB Account |
OUT
OF
AMB Account |
| $0.00 |
- |
$500.00 |
$3.00 |
$3.00
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$6.00 |
$10.00 |
$2.00
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| $500.01 |
- |
$2,000.00 |
$3.00 |
$3.00
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$6.00 |
$10.00 |
Not
avail. |
| $2,000.01 |
- |
$15,000.00 |
Not
avail. |
$3.00
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Not
avail. |
Not
avail. |
Not
avail. |
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| Limits |
Note:
A $750 balance in your account is required for all Premium transfers.
The Overall Limit is the total available outstanding amount
at a point in time for all types of transactions, including
inbound/outbound and Pay People transactions. The Daily and
Rolling 30 day limits still apply to each individual type of
transaction as listed below. |
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Begining Overall Limit = $25,000.00 |
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Transfer
Funds |
Pay
People |
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Standard
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Premium
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Make
Payments |
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INTO
AMB Account |
OUT
OF
AMB Account |
INTO
AMB Account |
OUT
OF
AMB Account |
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Daily
Transfer Limit |
$2,000.00 |
$15,000.00 |
$2,000.00 |
$2,000.00 |
$500.00 |
Rolling
30 day Period Transfer Limit
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$5,000.00
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$25,000.00
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$5,000.00
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$5,000.00
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$1,000.00
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The monthly limit is based on a rolling 30-day period. When
a new transfer is attempted, a rolling 30-day period is used
to calculate funds available for transfer. All transfers made
within the last 30 days are subtracted from the 30 day Period
Transfer Limit to determine the funds available. |
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