Online Banking Questions
What is Online Banking?
Online Banking is an online system that allows customers a secure and convenient way to access their Integrity Bank accounts via the Internet. Online Banking is available 24 hours a day - every day, providing customers with the access they need to manage their bank accounts.
What is needed to use Online Banking?
You need an Internet connection and a Web Browser that supports 128-bit encryption. You also need an account with our bank and a User ID and Password. Our Online Banking system supports the use of Internet Explorer (version 9) as the Web Browser.
How secure is Online Banking
State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires User IDs and Passwords that only you know and additional layers of authentication. In addition, your Social Security number or Tax ID number are never displayed.
What can I do to keep my information secure?
You can protect your information in several ways:
- Do not share your Online Banking User ID and Password with anyone
- Do not give your information to anyone requesting it over the phone unless you have initiated the call
- When you enter your Online Banking User ID and Password make sure no one is watching
- Avoid writing down your Online Banking User ID and Password
- Do not use obvious information for your Online Banking User ID or Password
- Always log out of the system
We will never request your information via email. If you receive a request for account or personal information that appears to be from us please do not respond. Please contact your local branch and report the request.
Do I have to enroll to use Online Banking?
Yes, but Online Banking enrollment is quick and easy - contact any Integrity Bank branch and make a request for your Online Banking enrollment information. Upon your first visit to Online Banking, you will be asked to establish a User ID and Password of your choice and other authenticating information - such as image recognition and challenge questions. All of these measures help protect your online information.
Can I change my User ID and Password?
Yes, you can change your User ID and Password as often as you want. Just click on the options tab and follow the simple instructions.
What if I forget my login information or am locked out?
As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect password multiple times. If your account is locked, please call a customer service representative at any branch during regular business hours. Upon proper identification, we will be happy to unlock the account and reset the password.
What if I don't log off the system?
Online Banking has a time out feature. If the system has been inactive for over 10 minutes, the user will be required to log onto the Online Banking system again.
On a normal business day, how late can I make a funds transfer?
All transfers requested before 7:00 p.m. Central Standard Time will be processed that day. Any transfers after that time will post on the next business day.
What does the download feature do?
The download option allows you to download your transactions and/or payment schedule (Bill Pay) into financial software (i.e. Quicken or Microsoft Money).
How many statements can I see online?
You will be able to access the previous 18 months of account statements if you have enrolled your accounts for eStatements. If you have not enrolled your account for eStatements, you will be able to access the previous 12 months of account statements. The statement file will begin to build from the date that you sign up for Online Banking.
What if I get an error message?
If you get an error message please make a note of the message, the error number, and the time. Then simply give us a call at 713-335-8700 and we will make every effort to resolve the issue as quickly as possible.
Bill Pay Questions
What is Bill Pay?
Bill Pay is an online payment system that allows our customers to send an electronic or check remittance to any business/person within the United States.
Do I have to register to use Bill Pay?
Access to Bill Pay is available through Online Banking, and a one-time enrollment process is required to use Bill Pay. Enroll through Online Banking or at any Integrity Bank location. Once you gain access to Bill Pay, you will be able to begin setting up your payees and scheduling payments.
When and how are payments processed?
In general, bill payments may be scheduled for the current business day or any date in the future, and we will process your payment in accordance to the schedule you have selected (please make note of the Bill Payment Processing schedule). Bill Payment Processing schedule: Bill Payments are processed at 3:00 a.m. CST and 12:00 p.m. CST, Monday through Friday with the exception of banking and federal holidays. If Bill Payments are submitted after the last scheduled processing time on any day, the payment will be processed on the following processing day.
All scheduled payments that fall on a holiday or weekend date will be processed on the processing day before the weekend or holiday. Payments entered during the weekend or holiday will be processed on the next business day.
Always allow 3-5 business days for electronic payments, 5-10 days for payments made by check.
Can I postdate single and/or recurring payments?
Yes, single one-time and recurring Bill Payments can by scheduled for future dates (also known as "postdates").
Can I pay anyone using Online Bill Pay?
You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any government agencies.
How do I know if a payment to a payee is electronic or by check?
Once you have set up the payee, you can look at the "View Payees" screen, and you will see a field that will tell you if the payee accepts electronic or check payments.
On the Payment History page, what does the "Status" Field indicate?
- Pending: The payment has been processed, but not yet sent
- Processed: The payment has been processed and sent
- Hold: The payment has a research request - this usually means that the payment request is incomplete and cannot be processed until additional information is provided
Confirmation Numbers - Are they important?
Yes. A confirmation number will be assigned to each Electronic Bill Payment at the time you submit your request. The same confirmation number is also used each time you instruct us to amend or delete a previously scheduled Electronic Bill Payment. You may record these confirmation numbers for future reference if you wish. For your convenience, Electronic Bill Payment Confirmation Numbers for scheduled payments are stored in the system. Go to "Scheduled Payments" under main menu and then click "View." They will help us answer any questions and expedite any request you may have about your Electronic Bill Payment transactions.
When I pay a bill, when does the money come out of my account?
If the payee is in the Electronic Payee, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank - just as if you had written it from your checkbook.
Do I need to re-enter payee information each month?
No, only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you will need to change each month is the amount you want to pay and the date you want the bill paid. If you have submitted a recurring payment scheduled with a fixed payment amount, you will not need to change anything.
Who do I contact if I have a problem with Bill Pay?
If you have a problem with Bill Pay, please contact your local branch or call 713-335-8700.