Online Banking
Online Banking Business
Online Banking Bill Payment

 

Online Banking:
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What can I do with Online Banking?
Q What can I do with Online Banking? 
A

You can transfer funds between existing accounts within our bank, view account information, download transaction information to a spreadsheet, word processing document, or money management software, stop payment on a check and make payments on loans at First Bank of Wyoming.

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What is money management software?
Q What is money management software? 
A

Money management software is software that helps you keep track of your finances. Some examples are Microsoft Money® and Quicken®.

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How do I access Online Banking?
Q How do I access Online Banking? 
A

After you have signed up for the service and have received your personal login by email from us, visit our web site and click the Online Banking login button.

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Do I need any special software installed on my computer?
Q Do I need any special software installed on my computer? 
A

No. All you need is Internet access via an Internet Service Provider (ISP) and an Internet browser.

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What is an Internet Service Provider (ISP)?
Q What is an Internet Service Provider (ISP)? 
A

An ISP is a company that provides Internet service to customers like you. Without an ISP you will be unable to access the Internet.

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What is a browser and how do I get one?
Q What is a browser and how do I get one? 
A

A browser is software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows. You can also ask your ISP for more information on browsers.

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When are Online Banking transactions updated to my account?
Q When are Online Banking transactions updated to my account? 
A

Because Online Banking is in "real time" the transactions are updated immediately.

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When will regular bank transactions show up on Online Banking?
Q When will regular bank transactions show up on Online Banking? 
A

Regular bank transactions will show on Online Banking the following day.

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Can Online Banking be set up as a joint account?
Q Can Online Banking be set up as a joint account? 
A

No, each account is attached to the Social Security Number used when the online account was originally set up for online use. However, the joint account holder can set up their own online account and add any account they have an ownership in using thier own Social Security Number.

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What happens if I forget my Online Banking PIN?
Q What happens if I forget my Online Banking PIN? 
A

You can call our Customer Service Department and ask them to reset your PIN at 1-800-377-6909.

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Is there a fee for using Online Banking?
Q Is there a fee for using Online Banking? 
A

There is no fee for Online Banking or Online Banking Bill Payment.

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Online Banking Business:
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Can more than one user access the accounts for my business?
Q Can more than one user access the accounts for my business? 
A

Yes. Online Banking Business provides administrative functionality that allows the designated account administrator to grant access to additional users. There is no limit on the number of users that can access your online account.

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Can wire transfer and ACH capabilities be setup with dual control?
Q Can wire transfer and ACH capabilities be setup with dual control? 
A

Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability, dual control can be accommodated for all functions.

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How far in advance should ACH batches be initiated?
Q How far in advance should ACH batches be initiated? 
A

In order to ensure that the funds in an ACH batch reach their destination, you need to initiate the batch by 4:00PM MST one day prior to the effective date. The transaction will not post to your account until the effective date.

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Are there any time restrictions for wire transfers?
Q Are there any time restrictions for wire transfers? 
A

Yes. To be included on the current day's business, a wire transfer must be initiated by 2:00PM MST.

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Online Banking Bill Payment:
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Whom can I pay through Online Banking Bill Payment?
Q Whom can I pay through Online Banking Bill Payment? 
A

You can pay ANYONE in the United States... your credit cards, utility companies, loan payments, and even a child in college.

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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? 
A

Payments should be scheduled 7 to 10 business days (3 business days for electronic payments) in advance of when you want the payment to actually be paid.

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When will the money be taken out of my account?
Q When will the money be taken out of my account? 
A

For electronic transactions, the money will be withdrawn from your account on the payment date you have set. For transactions processed by check, the money will be withdrawn from your account when the check is presented for payment by the payee. Your account will never be debited before the payment date you have set.

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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? 
A

Scheduled payments that fall over a weekend will be processed on Friday. Any new payments that are scheduled over the weekend (Sat-Sun), for the current weekend, will be processed on Monday. Holiday processing is done the next business day.

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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? 
A

The bank will treat bill payment check transactions like any other check you write. Electronic transactions will not be sent until the funds are available.

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Can I schedule recurring payments?
Q Can I schedule recurring payments? 
A

Yes. You may schedule both one-time and recurring payments.

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How late in the day can I enter, edit, or delete a payment?
Q How late in the day can I enter, edit, or delete a payment? 
A

You may add, edit or delete scheduled payments anytime. Transactions that need to be processed on the current day need to be entered by 11AM MST.

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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? 
A

You can make multiple payments to the same person as long as the payment amounts are different. For your protection, the system will not pay duplicate items on the same day.

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Can I stop a payment?
Q Can I stop a payment? 
A

Yes. You can contact our Customer Service Department at 1-800-377-6909 or you can add the stop payment via your online banking account.

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Can I use Online Bill Payment if I live outside the U.S.?
Q Can I use Online Bill Payment if I live outside the U.S.? 
A

Yes, as long as you have a checking account with our bank.

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Can I get a copy of the cancelled check?
Q Can I get a copy of the cancelled check? 
A

You can request a copy of any check by contacting our Customer Service Department at 1-800-377-6909. There may be a fee associated with this service. You can also look at a copy of the cancelled check via your online banking account if it occured in the past 90 days.

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How many payees may I have set up?
Q How many payees may I have set up? 
A

You may have as many payees as you wish.

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Can I edit payee addresses?
Q Can I edit payee addresses? 
A

No. You will have to set up a new payee with the correct address and delete the old one.

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