Q How do I access Online Banking?
A After an account has been opened at one of our locations, or we have opened a CornerBank account for you, first go to Online Banking. The screen contains the following text - "Registered Users, Please Enter Your User ID and Password. First time users, please click here to register. You must accept the terms and conditions of both the ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES and FUNDS AVAILABILITY POLICY DISCLOSURE, in order to access the registration form."

As a first time user, you will need to click on the link "click here" and accept all terms and conditions of the disclosures that are displayed. We'll process your application and then notify you when you can access the system.

Q How frequently is my CornerBank, N.A. information updated?
A Online Banking and our automated voice response system, Bankline, are updated several times throughout the day with transactions occurring that business day. All other customer information is updated nightly Monday through Friday, whether you access Online Banking, Bankline, or you call our Customer Service department.

Q Can I look at all of my transactions at any time?
A Yes, with Online Banking you have access to your account information 24 hours a day, 7 days a week! Check images are also available on line. When you're looking at your account page, you'll notice the check numbers are underlined - that means they're linked. Simply click on the check number to view the image. You can even print them if you want to!

Q What type of computer equipment is needed to access Online Banking?
A Any computer that has Internet access with a Web Browser capable of supporting 128 bit encryption. If you are using the latest Web Browser from Microsoft or Netscape, you probably are already using 128 bit encryption.

Q What keeps my financial information safe?
A We have taken extraordinary steps to insure your information and banking transactions are safe. The 128 bit encryption method we employ, rewrites all the information in a mathematical code, which is only deciphered by the bank and your computer. This code is changed every time you connect with Online Banking. We also employ other security measures, that we cannot discuss at this time, for security reasons.

Q Is the Internet safe for banking transactions?
A Because we use the latest data encryption techniques, and employ other security measures, your Online Banking transactions are as safe as using one of our ATM's, or one of our convenient locations.

Q I'd like to know more about the security methods you have implemented. Where can I read more?
A For a more detailed description of the security features in our Online Banking System, please see our Online Banking System Security Overview.

Q How does bill payment work?
A To help you understand the process, we have provided a diagram.

Q How long does it take to set up a new payee in the bill payment system?
A Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.

Q Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.

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