Q: What are the requirements to sign up for Online Banking?
A: As part of Choice Financial's ongoing effort to provide the highest level of data security to users of our Online Banking product, we require that all browsers accessing our secure Online Banking site to support 128-bit encryption. Recommended browsers include: Internet Explorer 5.0 or 6.0, Netscape Navigator 4.75, and AOL 6, 7 or 8, but other browsers that support 128-bit encryption may also work. To determine if your browser supports 128-bit encryption, click on ‘Help’ in the toolbar of your Internet browser and click ‘About.’ A pop-up box or window will display. For Internet Explorer next to ‘cipher strength’ you should see ‘128-bit’. If your browser does not support 128-bit encryption, you will need to upgrade to a browser that does, in order to access secure pages of the Web site. You may also download the higher encryption strength from www.microsoft.com. In the Search bar enter: ‘128-bit cipher strength download’ and download and install the proper update for your particular browser.
Q: Can I preview Online Banking before I enroll?
A: Yes. For a preview of the services offered go to www.choicefinancialgroup.com then Online Banking and click on the demo option.
Q: What customer service options are available with Online Banking?
A: As a Choice Financial customer you can:
• View detailed information about your accounts including account balances, history, view and print Checking statements
• Transfer money from a Choice Financial Checking or Savings account to a Choice Financial Checking, Savings, Safe Deposit or Loan account
• Download history to a personal finance manager such as Microsoft Money
• Change personal information such as address, phone number, E-mail address, etc.
• Request a stop payment
• Set up reminder messages
• Submit a Savings Bond request
• Request a message be sent when your account reaches a certain balance
Q: How do I get my User ID and Password?
A: Enroll online at www.choicefinancialgroup.com and you will receive your User ID and password within 3-5 business days in the mail.
Q: Can I change my User ID?
A: Yes. Choose Services>Change Info. In the User ID field, enter an ID at least six characters in length and containing one alpha and one numeric/special character. The @ symbol is not allowed in this field. The User ID is case sensitive.
Q: Can I change my Password?
A: Yes. Click on Services>Change Password.
1. Enter your old password in the Old Password field
2. Enter your new password in the New Password field
3. Re-enter your new password in the Confirm New Password field
4. Click the ‘Submit’ button to save these changes
Notes: Asterisks appear when entering the password for added security
Password must be at least six characters long and must contain at least one alpha and one numeric character
Password is case sensitive
Q: What happens if I forget my password or get an “ERROR: Log in Failed” message?
A: Users have three attempts to log in before their password is locked out. After three attempts, the customer will need to call the bank to have their log-in cleared or password reset.
Q: What happens if I don’t exit the system?
A: There is a 10-minute time limit on any screen, regardless of keystrokes. Once 10 minutes has elapsed, you will be taken back to a log in screen after the next selection is made.
Q: How late in the evening can I make transfers?
A: 7:00 p.m. CST. Transactions submitted after this time will be posted on the next business day.
Q: Can transfers be established to occur in the future or on a recurring basis?
A: Yes. You can select the frequency that transfers will be made – once, daily, weekly, bi-weekly, monthly, quarterly, semi-annually and annually.
Q: What happens if I have scheduled a payment that falls on a weekend or a holiday?
A: The transaction will occur on the next business day after the weekend or holiday.
Q: Can I make a loan payment?
A: Yes. You can use the transfer option to move funds from your checking or savings account to make a regular loan payment.
Q: How long will I be able to see transactions and statements?
A: You will be able to view 90 days worth of history. The option to search history by check number, phrase, and/or dollar amount is available. Account statements are available from three months prior to when you enrolled. A pull-down feature gives you the option to select the statement you wish to view.
Q: Can I download my transactions into a finance software product?
A: Yes. Transactions can be downloaded to spreadsheets or Microsoft Money.
Q: Does Online Banking have online help?
A: Clicking the ‘Help’ option will give you detailed information about the screen you’re currently viewing.
Q: Can I nickname my accounts?
A: Yes. You can enter a 15-character nickname for each account
Q: Can I update information about myself online?
A: Yes. By choosing Services>Change Info, you can send a secure E-mail to the bank with the changes.
Q: Can I use Online Banking to send E-mail reminders?
A: Yes. By choosing Services>Reminders you can build reminders to remember special events, birthdays, anniversaries, payment due dates, etc. These reminders can be a single, daily, weekly, bi-weekly, monthly, quarterly, semi-annual, or an annual occurence. The reminder message will be sent as an E-mail message at the scheduled time.
Q: Can I monitor my accounts based on the balances at the end of each day?
A: Yes. By choosing Services>Alerts you can choose one of three options to monitor your account: ‘When My Balance is Greater Than,’ ‘When My Balance is Less Than,’ and ‘For All Debit Amounts Greater Than.' The alert message will be sent as an E-mail message.
Q: What is the fee for bill pay?
A: Enjoy all the convenience of Choice Financial Bill Pay for FREE!
