| After how many invalid login attempts will I be locked out of Internet Banking? | Q | After how many invalid login attempts will I be locked out of Internet Banking? | Three invalid logon attempts will lock you out of Internet Banking. Customers should call the main bank branch at 602-553-7444 Monday – Friday from 9:00 A.M. – 5:00 P.M. Close |
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| Can I use Internet Banking if I only have a CD, Loan, or Savings Account? |
Q | Can I use Internet Banking if I only have a CD, Loan, or Savings Account? | Yes. If you have any Western National Bank account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment. Close |
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| How can I add or delete an account from Internet Banking? |
Q | How can I add or delete an account from Internet Banking? | The change can be made through any customer service representative at any Western National Bank location. Close |
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| How can I reset my Internet Banking Account (not Bill Payment)? |
Q | How can I reset my Internet Banking Account (not Bill Payment)? | You can call the main bank branch at 602-553-7444 Monday – Friday from 9:00 A.M. – 5:00 P.M. Close |
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| How can you guarantee the security of my banking information? |
Q | How can you guarantee the security of my banking information? | First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.
For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and Western National Bank is both secure and authentic. Close |
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| How do I know if my browser has 128-bit encryption? |
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| If I have a question about Internet Banking whom should I call? |
Q | If I have a question about Internet Banking whom should I call? | Telephone the main bank branch at 602-553-7444, or e-mail your question to info@wnbank.com. Close |
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| What do I need to gain access to Internet Banking? |
Q | What do I need to gain access to Internet Banking? | User ID, PIN, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing. Close |
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| What does Internet Banking cost? |
Q | What does Internet Banking cost? | Internet Banking and our Bill Pay feature is FREE to all Western National Bank customers. Close |
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| What happens if I lose or forget my ID or PIN? |
Q | What happens if I lose or forget my ID or PIN? | If you lose/forget your ID or PIN, call Western National Bank's Operations Team, Monday – Friday from 9:00 A.M. – 5:00 P.M at 602-553-7427. Close |
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| What services are offered through Internet Banking? |
Q | What services are offered through Internet Banking? | - Unlimited in the numbers and types of accounts to access.
- Transfer funds electronically between all checking and savings accounts (regulatory limitations may apply).
- Transfer funds electronically between checking/savings and loan accounts at Western National Bank allowing for Interest / Principal payment distribution.
- Transfer funds electronically between lines of credit (Cash Reserve) and checking.
- Statement information on all deposit and loan accounts.
- Check Imaging statement retrieval with front and back images on all cancelled checks.
- Obtain account information on your Checking, Savings, CD’s, Loan, and Safe Deposit Accounts.
- Stop payment on checks drawn on your checking account at Western National Bank (stop payment charges may apply).
- Download "real time" transactions from any accounts to industry standard money management software.
- Bill Payment Option - access the designated checking account to pay most bills
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| Will Internet Banking be available to me all the time? |
Q | Will Internet Banking be available to me all the time? | It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties. Close |
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| Who can have Internet Banking? |
Q | Who can have Internet Banking? | Any Consumer or Sole Proprietor can use Internet Banking and Bill Payment. Partnerships, Corporations, and governmental institutions who require more sophisticated financial services may elect to use our Western National Bank Business Online product. Contact your Western National Banker at 602-553-7444 Close |
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| How can I get Internet Banking? |
Q | How can I get Internet Banking? | Western National Bank customers can start Internet Banking by visiting us at any of our bank locations. Or by clicking on the Enroll Now button on the WNB Homepage. Click here to go to the home page. Close |
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| How do I access the Internet site for the Remote Deposit Capture? |
Q | How do I access the Internet site for the Remote Deposit Capture? | Click here to go to the Remote Deposit website. Close |
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| How do I enroll in electronic statements? |
Q | How do I enroll in electronic statements? | Setting up E-Statements
1. Log on to online banking.
2. Click on the tab that states “e-statements”
3. You will see an enrollment tab which will have 4 steps for you to complete:
1. Account(s) and document enrollment. (if you click on the blue link that states “Details” this will show you which accounts are available for you to receive e-statements. This will also allow you to pick and choose which accounts you want e-statements for).
NOTE: If you do not want an e-statement for a certain account, you must uncheck the account under this option as well.
2. Next you will need to verify your e-mail address.
3. You will be asked to enter a security phrase that will be displayed on all e-mails that you receive from our site. This phrase should be something that you will recognize and know that the e-mail is safe to open.
4. Next, there is a list of terms and agreements. You must check the box that states “I agree to the listed terms” and click “Enroll Now”.
4. The new screen that shows “Statements and Notices”.
NOTE: (It will say “You have no documents available to view for this account” and it will show a drop down box of the accounts set up that you can select. ( You will not have any documents available until their next statement cycle, so it should be blank).
5. Shortly after you will get an e-mail confirmation but first you will have to log out of the system and log back in using the link that you receive in the verifying e-mail.
NOTE: If you do not log in through the e-mail link, it will not confirm the enrollment.
If all steps are done accordingly, the process has been successfully completed and you are now enrolled for e-statements.
E-Statements Tab also has the following links:
Statements and Notices: This will show the last 3 statements for each account set up, starting at the time you enroll.
Documents and Settings: This shows a list of the accounts that are set up. You must have a check in the box that will confirm the account is set up for e-statements.
Additional Recipients: This allows you to add another e-mail address and/ or add another person to access the statements. This feature allows you to select which account statements you want the other user(s) to have access to.
Disclosures: Explains registration, eligible accounts, enrollment, accessing online statements, e-mail maintenance, and termination of online statements.
E-mail: This is where you can go if you would like to change the e-mail address to which the e-statements are sent.
Recon: This is a tool that you can use that will help them reconcile their accounts. It allows you to plug in the deposits and checks that have been written and last statement’s balance to show what is still outstanding etc. Close |
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| Are there any merchants that I cannot pay through the bill payment service? | Q | Are there any merchants that I cannot pay through the bill payment service? | No. We can pay anyone including any government agency within the United States. Close |
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| Can I have multiple payments to the same payee on the same day? |
Q | Can I have multiple payments to the same payee on the same day? | You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day. Close |
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| Can I edit merchant addresses? |
Q | Can I edit merchant addresses? | No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address. Close |
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| Can I get a copy of a cancelled Bill Payment check? |
Q | Can I get a copy of a cancelled Bill Payment check? | You can request a copy by calling us at 602-553-7444, Monday – Friday from 9:00 A.M. – 5:00 P.M. There may be a fee associated with this service. Close |
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| Can I set up recurring payments? |
Q | Can I set up recurring payments? | Yes. You can set up recurring payments in the following frequencies: - Weekly
- Bi-Weekly
- Semi-monthly
- Monthly
- Quarterly
- Semi-Annually
- Annually
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| Can I use Bill Payment if I live outside the U.S.? |
Q | Can I use Bill Payment if I live outside the U.S.? | Yes, as long as you have a checking account at Western National Bank; however, payments can only be made to locations in the United States. Close |
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| How do I know if a merchant is electronic or check? |
Q | How do I know if a merchant is electronic or check? | Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check. Close |
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| How far In advance can I schedule payments? |
Q | How far In advance can I schedule payments? | You may schedule payments as far in the future as you want. Recurring payments can have an ending date of any year in the future. Close |
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| How far In advance should I set up a payment to insure it is paid on time? |
Q | How far In advance should I set up a payment to insure it is paid on time? | Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee. Close |
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| How late in the day can I edit or delete a payment? |
Q | How late in the day can I edit or delete a payment? | You may edit or delete scheduled payments until 7:00 P.M. Arizona time the day before the scheduled payment date. For example, if a payment is scheduled for today, you may edit or delete the payment up until 7:00 P.M. today. Close |
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| How long is history retained in the VIEW PAYMENT HISTORY section? |
Q | How long is history retained in the VIEW PAYMENT HISTORY section? | Payment History records are kept for one year. Close |
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| How many payees may I set up? |
Q | How many payees may I set up? | You may have up to 99 payees. Close |
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| Is there any minimum and maximum payment amount? |
Q | Is there any minimum and maximum payment amount? | Yes. The minimum payment amount is $0.01 and $500,000 for a check and between $0.01 - $999 million for electronic payments. Close |
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| What does the "status" field indicate on the PAYMENT HISTORY PAGE? |
Q | What does the "status" field indicate on the PAYMENT HISTORY PAGE? | Status Value: Payment Pending
Definition: The payment has been processed, but not yet sent.
Status Value: Payment Processed
Definition: The payment has been processed and sent.
Status Value: Hold
Definition: The payment has a research request on it and has not been processed.
Status Value: Stopped
Definition: You have requested the payment to be stopped. It cannot be processed again. Close |
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| What happens if I have a scheduled payment that falls over a weekend or holiday? |
Q | What happens if I have a scheduled payment that falls over a weekend or holiday? | Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed on Sunday night. Holiday processing is done the following day after the holiday. Close |
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| What if I do not have enough money in my account? |
Q | What if I do not have enough money in my account? | Bill payment items are treated just like any other check you write. Should the item be returned, a hold may be placed on your bill payment service. Close |
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| When will the money be taken out of my account for Bill Payments? |
Q | When will the money be taken out of my account for Bill Payments? | The money will be withdrawn from your account approximately one to two business days after the payment date you have specified. This is only for companies that accept electronic check payments. To insure adequate funds are available in your account, it is a good practice to have the funds in your account on the scheduled payment date. Payments not available through electronic check but initiated by a physical check will clear account when check is processed by receiving bank. Close |
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| Will the memo field that I fill out when setting up a payment be passed on to the merchant? |
Q | Will the memo field that I fill out when setting up a payment be passed on to the merchant? | No. The memo field is for your personal records; however, the account number that you entered when you added the payee to your Personal Payee List is printed on the check. Close |
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| Who do I call if I have problems with Bill Payment? |
Q | Who do I call if I have problems with Bill Payment? | Please call our Operations Team at 602-553-7427, Monday – Friday from 9:00 A.M. – 5:00 P.M. Close |
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| Whom can I pay through Internet Bill Payment? |
Q | Whom can I pay through Internet Bill Payment? | You can pay ANYONE in the United States from your next door neighbor, to the utility company, the bank, and even a child in college across the country! Close |
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| What is Expedited Bill Pay? |
Q | What is Expedited Bill Pay? | This service allows you to send payments overnight via Federal Express!
What is the Expedited Payment fee?
The fee for this service is $19.95. You must have sufficient funds for the fee and payment amount at the time you submit the payment.
How can I make an Expedited Payment?
1. Log into your Online Banking, then Bill Pay, and select Expedited Payments under the Payee tab.
2. Complete the Expedited Payments screen. Fields marked with an * are required.
3. Click Continue. The address is validated, funds verified to be sufficient for the $19.95 fee and the payment amount.
4. Receive an online package tracking number. This number is also available in your Bill Pay History.
What merchants/payees are eligible for Expedited Payments?
Merchants/payees who can accept paper check payments and are within the continental U.S. are eligible for Expedited Payments.
Payments will not be mailed to P.O. Box addresses.
Can I make an Expedited Payment after hours or on a Saturday?
Expedited Payments submitted by you on a non-Federal Reserve business day, weekend, holiday, or submitted by you after the weekday cutoff time of 6:00 pm Central Time will be sent the following Federal Reserve business day for the next business day delivery. You will be charged a fee for each Expedited Payment you submit. Expedited Payments submitted without complete or accurate information will not be processed. Close |
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