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Online Banking FAQ

Services

What features and services does Standard Bank Internet Banking provide?

Standard Bank Online Banking functionality includes:

  • Detailed account statements for internal online accounts.
  • Perform immediate, future, and recurring transfers online between your internal accounts.
  • Perform immediate, future, and recurring Bill Payments online from your internal accounts.
  • Download your information into Quicken, Quickbooks or Microsoft Money.
  • Place and inquire on a Stop Payment.
  • Order Checks Online
  • Contact information.

What types of accounts and information does Standard Bank Online Banking provide?

Account Type Checking, Savings, CDs, Loans
Information Balances, Transaction Information, Nickname, Scheduled Transfers, Account Alerts, Bill Pay Information, Statements, Check Images, Deposit Images, Turn Off Paper Statements, Report a Lost/Stolen Debit Card, Debit Card Travel

Are my statements and checks available on Online Banking?

Yes – your statements are available as of November 2006. Your transaction history and check images are available for the past 18 months.

How do I retrieve my Statements?

eStatements are available under the “eStatements” Tab on Online Banking.

How do I retrieve a check image?

If the check is listed under either the Current Statement or Previous Statement Transactions Tab, just click on the Check Number link to retrieve a copy of the front and back of your check.

If the item is from a previous statement, click on the Transactions Menu and enter the Check Number in the Image Search Box. If you are unsure if the Check Number, please access your previous statements to verify the check posted to your account and to acquire the Check Number.

How do I set up Account Alerts?

To review which Alerts/Message you have set up, in the Welcome message, click on either the [0] unread or [0] read messages links to set up Account Alerts:

  • Choose the Product
  • Click on Setup New Alert
  • Select a Category (Product) and Select a Type Alert

How can I order checks for my account?

You can use the check reordering function to order checks for your account. Simply select the desired account under the account tab and choose order checks

order checks 1

You can also order checks directly inside your account page by clicking on “Check Order” in the sub menu at the top of the page.

order checks 2

 

These links will take you directly from the Deluxe Check website. You will receive the following message

order checks 3

 

Once on the Deluxe page you can select the style, design and quantity of your checks. Your account will be debited for the total price of the check order.

Sign-on

How do I sign up for Online Banking?

You can sign up for Standard Bank Online Banking by clicking on the Sign Up button on the Standard Bank Internet Banking Login page and then following the directions listed on the Web pages.

What should I do if I forget my password?

If you forget your password, you can click the Forgot Password link on the Standard Bank Online Banking Login page or on the  Did you forget your password? link on the password page. You then must complete the following information:

  • Enter your Standard Bank Online Banking Access ID.
  • Enter last 4 digits of your Tax ID Number
  • Enter email address on file

Your temporary password will be sent via email to the email address on your online record. The temporary password will only be valid for 30 minutes. You will be required to change your password before you’re allowed to access online banking. If you do not receive your password within 5 minutes, please contact our customer care center.

Alternatively, you can contact a Standard Bank customer care advisor at 866.499.2265 who can reset your account password after you answer your Secret Question.

Using Your Account

What are the systems requirements / which browser should I use?

For optimal results, you should use:

Operating System: Windows XP SP3, Windows Vista, Windows 7, OS X
Browser: Microsoft Internet Explorer 7 or 8, Mozilla Firefox 4, Opera 10, Google Chrome, Safari 5
PDF Reader: Adobe Reader/Acrobat 10

You should specify a screen resolution of 1024×768 or greater.

How do I remove an account from Standard Bank Online Banking?

You cannot delete access to any of your accounts held at Standard Bank and Trust Company. All of your accounts with Standard Bank and Trust Company will be displayed.

How long does Standard Bank store my records?

Standard Bank stores your aggregated account data indefinitely, as long as you have an active Standard Bank account. It removes your data when your service is canceled, either by your request or after 180 days of inactivity.

What happens if I do not use my Standard Bank Online Banking account?

Standard Bank and Trust Co. does not charge for the use of Online Banking. Should you not log into Online Banking for a 90 day period, your Online Banking account will be considered inactive. If your Online Banking account remains inactive for 180 days, re-enrollment in Online Banking is required.

How do I terminate the use of this service?

If you wish to terminate your access to your personal accounts with Standard Bank and Trust Co., please contact us at 866.499.2265.

How long does Standard Bank store my records?

Standard Bank stores your aggregated account data indefinitely, as long as you have an active Standard Bank account. It removes your data when your service is canceled, either by your request or after 180 days of inactivity.

How secure is banking on the Internet?

Internet banking is safer than most credit card transactions because Standard Bank Online Banking and Bill Pay uses several layers of security. The Standard Bank Online Banking and Bill Pay data resides behind a firewall that is protected from unauthorized entry. In addition, all sensitive data is encrypted in the data warehouse and sessions are protected by your password and the security built into your browser. Please visit our Security Center for more information on how we protect your information.

Who do I contact if I have questions regarding security or privacy?

You can either review Standard Bank Online Banking online Security and Privacy Policies or contact a Standard Bank Customer Care Advisor with specific questions.

Is my account data safe?

Yes, Standard Bank Online Banking uses advanced security technology to ensure that your account data is protected. All sensitive account data is encrypted when it is stored in the Standard Bank Internet Banking data warehouse, as well as when it is sent to your Web browser. Your Standard Bank Internet Banking sessions also are password protected, so that your account cannot be accessed without your password.

How does Standard Bank Online Banking protect my Access ID and password?

Standard Bank Online Banking stores and transmits your sensitive account information in an encrypted format. Additionally, Standard Bank Internet Banking stores your aggregated data in a secure environment behind a firewall.

What is Multi-Factor Authentication?

Standard Bank and Trust is proud to deliver the highest level of security for our Online Banking customers. An additional layer of security has been added to our log in process to both our Consumer and Business Online Banking Services. This will help ensure that your information is secure, protecting you from fraud and identity theft.

Nothing within either service has changed, the only difference you will notice is the actual login process. Click here to learn more about how Multi-Factor Authentication will help protect your account information.

Error Reporting

Having trouble viewing your eStatement with Internet Explorer & Adobe Acrobat?

There is a known issue with downloading statements using Internet Explorer and Adobe Acrobat.  To view statements when using Internet Explorer, download Adobe Acrobat Reader version 10 from http://get.adobe.com/reader/

What should I do if I notice inconsistent or wrong data?

Please contact Standard Bank and Trust Co. at 866.499.2265.

Other Questions

What is the difference between my Available Balance and Current Balance on the main page?

Your Available Balance is your end of the day available balance after all the items presented during the previous business day posted to your account. Your Available Balance does not change until transactions post to your account during the next business day’s update.

Your Current Balance is your beginning of the day available balance plus or minus any Current Business Day Transactions – the Current Balance is the balance you are able to use in your account right now. For example: Your Current Balance this morning was $100. Current Business Day Transactions show a Credit for $25 (you deposited $25 cash at your branch), and a Debit for $20 (you took out $20 at an ATM), so your Current Balance would be $105. You have $105 available to use right now. Please Note: Other Transactions may be credited/debited to your account throughout the day.

When is Internet Banking available?

Internet Banking is available 24 hours a day, 365 days a year. Typically, the system is taken offline on a nightly basis for approximately 1 hour between 1:00 AM and 4:00 AM CST, for updating.

When I conduct a transaction via the Internet, when will my updated account information post?

Although you can access your account information at any time and perform transactions between your accounts, your transactions are not posted “real time.” Banking transactions will not be reflected in the Ledger Balance until the application’s posting the next business day. Transactions will be reflected in the Available Balance.

What is my running balance, on the Current Statement page?

The running balance on your Current Statement page is your running ledger balance. This balance may differ from your Available Balance, if you deposited checks, and your Current Balance, as transactions are credited/debited to your account throughout the day.

Can I do a funds transfer between all my accounts?

You can transfer funds between all of your deposit and/or loan accounts, excluding Time Deposits, IRA’s and Commercial Loans.

What is the cutoff time for Funds Transfers?

The cutoff time for Funds Transfer is 6:00 pm CST. An Express Transfer made prior to 6:00 pm will be processed on the current business day. An Express Transfer made after 6:00 pm will be shown as a pending transaction, it will be reflected in your available balance, but will not be posted to your account until the following business day.

If you would like your transfer to show in your Available Balance immediately, please use the Express Transfer Option. The cutoff time of 6:00 pm for posting the transfer, and including the transferred funds in your ledger balance, still pertains.

Using the Scheduled Transfer Option may result in processing the credit the following business day, which includes the availability of the transferred funds.

What is the difference between a Scheduled Transfer and an Express Transfer?

Express Transfers are one-time transfers, processed immediately. An Express Transfer made prior to 6:00 p.m. CST will be processed on the current business day. An Express Transfer made after 6:00 p.m. CST will show as a pending transaction, it will be reflected in your available balance, but will not be posted to your account until the following business day. Changes cannot be made to Express Transfers once your request is submitted.

Scheduled Transfers can occur either one-time or on a recurring basis. If you would like your transfer to be processed immediately, please use the Express Transfer Option. Using the Scheduled Transfer Option may result in processing the credit the following business day. Changes can be made to Scheduled Transfers prior to the 6:00 p.m. processing time on the scheduled day.