Security

How does Internet Banking security work?

Imagine sending a friend a letter. For us it's as simple as dropping it in a mailbox for the carrier to pick up and deliver. Now imagine that instead of just dropping it into the mailbox, you put the letter through a shredder that only you have the key to and then into the mailbox. And instead of one carrier coming to pick it up, the post office sends 100 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to you friend's house. Once there, your friend takes this pile of incomprehensible paper, puts it through a reverse shredder that they only have a key to, and out comes your letter, safe and sound.

If we sent information through the traditional manner of one letter, one carrier, and one route, it would be easy for a criminal to find the truck carrying your letter and pick it out. So we use the 100 carrier method, otherwise known as RSA public-key cryptography. It's become a standard on the Internet wherever private or sensitive information is concerned. The government uses it, the financial industry uses it, and now, so can you.

Security has always been a top priority with your bank. It will continue to be so by adopting new technologies only after they've passed our unchanging business principles of confidentiality, flexibility, commitment and stability. To have it any other way would not only endanger your finances, but in turn, our reputation, and that is never good for business.

What is a cookie?

A cookie is a piece of data passed to your browser. Internet Banking uses cookies inside the secure banking environment to keep track of your session data. Basically it tells our system that you've already logged on as a valid user. Without this cookie data, you would have to logon every time you wanted to move to another banking screen. When you hit the Exit button to leave the bank, the cookie data is flushed from your system.

Newer browser versions have a feature that allows you to be notified when a cookie is being handed to your system. You can disable this option in the Network Preference/Protocols area.

To keep my banking information private, what recommendations do you have?

• Use the latest version of either Netscape Navigator or Microsoft Internet Explorer. Both of these browsers are certified for use at our site.

• Keep your password confidential. Change it frequently to ensure that no one else can guess it, and do not let anyone else use it.

• Never walk away from your computer without exiting the system first. When you are finished with your banking, click the Exit button located at the top and bottom navigational toolbars. Once you have ended your session, no further transactions can be processed until you sign on to the system again.

Browser Questions

While trying to go back to a previous page I was taken back to the log on screen. Why did this happen?

Sometimes using your browser's back button will cause you to be logged out of Internet Banking. For security reasons some pages are automatically expired so that you cannot return to them. By using the navigation toolbar found at the bop of most Internet Banking pages, you should not encounter this problem.

How can I tell if I have a secured connection to Internet Banking?

The visual indicators of a secured connection vary from browser to browser. The following is a listing of all the major browsers and their methods of indicating a secured connection. Please note that while you are on this page, all the indicators should show an unsecured connection (this will change if you enter the Internet Banking account entrance).

• Netscape Navigator 4.0 - look for an icon of a lock in the bottom left corner of the browser. If it is in a locked position, you should have a secured connection. If unlocked, you have an unsecured connection, which is what you should have for this page.

• Netscape Navigator 3.0 - look for a key in the bottom left corner of the browser. If it is broken, the connection is unsecured. If it is whole, you have a secured connection. You should also notice a thin blue line across the top of the view window in the browser.

• Microsoft Internet Explorer 4.0 - A small lock will appear in the bottom bar of the browser to indicate a secured connection. If you don't see a lock, you don't have a secured connection.

• Microsoft Internet Explorer 3.0 - The same small lock will appear as in version 4.0, but it is positioned in the bottom right section of the browser.

What do I do if I receive the following message: "Server is busy or is not responding"?

Check the location box and make sure that the address was typed properly. A complete web address is in the format http://www.futurebank.com, or with secure web sites, don't forget the "s": https:www.bank.com. Sometimes you will receive this message when the server is busy. Try a second time to connect and the connection will go through. Maybe the server you are looking for doesn't exist, because you've typed the name incorrectly or the server is down right now. If after three attempts you still do not connect, please call the On-line Banking Center at 1-877-327-7375.

Can I use Microsoft Internet Explorer (IE) to access Internet Banking?

When using IE 4.0 with Internet Banking, make sure the SP1 patch from Microsoft has been installed or IE has been upgraded to IE 4.01. This patch will correct many user interface issues. It can be downloaded from Microsoft's Web site.

Can I use Pocket IE on a Windows CE system?

To access Internet Banking via Microsoft Pocket Internet Explorer on a Windows CE system, such as a palm PC, you must disable the cache on Pocket IE.

Help Sources

If you still have questions regarding your browser, we encourage you to contact the appropriate company that created it through the normal customer support channels. However, if you have any questions regarding Internet Banking, your accounts, or are having difficulty connecting to The PrivateBank Access server, please call the On-line Banking Center at 1-877-327-7375.

Internet Banking Questions

How long will my activity be available on Internet Banking?

You can retrieve information back to the last statement date prior to the date you were first set-up on Internet Banking or up to 13 months worth of activity, which ever comes first.

What types of accounts can I see on Internet Banking?

At this time you are able to see all deposit accounts (checking, savings, money market, and CDs), and loan accounts and lines of credit.

What does MDC mean?

MDC stands for "Miscellaneous Debits and Credits." This is a term for transactions that include transfers, any deposit not made at a teller or ATM, and any fees your account may incur.

When I try to sign on to Internet Banking I receive a message saying "Login failed, retry." What happened?

It is possible that you have entered your user name and/or password incorrectly. The password is case sensitive so we recommend that you verify that your Caps Lock button is not turned on and that you have copied the password down correctly. Also, when entering your user name, make sure you include the dashes. If you still are unable to access your account information, please call the On-line Banking Center.

Why do my deposit accounts show current update as of today, while my loan accounts may show previous days date information?

The deposit account information is current as of today. The loan information will only refresh when there has been an update to the account such as payment information.

Why don't all my deposits show in the Deposit section of the statement?

The Deposit section of the statement is intended to show only deposits you make at a teller window. All other deposits will appear in the ATM or Miscellaneous Debits and Credits section of your statement.

Why do most of my transactions show up saying none when they clear the bank? How can I change this to show who I paid?

Vendor (payee) information is only passed for Debit Card and Electronic Bill Pay (E-Pay) transactions. These are the only transactions where the name of the vendor will automatically appear in your statement and register.

You can add the payee name to your transactions by selecting the transaction. The Edit Transaction screen will appear, allowing you to enter the transaction date, payee name, category and memo. You only have to enter the information once. The new information will show in both the register and statement.

In the statement, the far left column is entitled "number." What are these numbers?

When looking at your cleared checks, the number in this column is your check number. All other numbers in this column are non-meaningful numbers used internally by Internet Banking.

In the statement, who do some credit transactions appear with a negative sign?

ATM and Debit Card transactions are typically a debit, but occur in the statement without a sign. To indicate that an ATM or Debit Card deposit transaction is the opposite sign of a typical transaction, it has been assigned a negative sign. The balance in the statement reflects that the transaction is actually a credit to the account.

What is the difference in all the Balances shown in Internet Banking?

The Statement Available Balance is the amount of money that is available to you to spend. It reflects your transactions that have cleared the bank, including transactions made today. Also, if you have overdraft protection on your checking account, the amount you have available on the line of credit is added to your available balance. This balance is updated each time you log into Internet Banking.

The Statement Current Balance is the balance your bank shows on your account, including all transactions that have cleared your bank through last night's processing.

The Register Available Balance is your Current Register Balance including any transactions you have entered in your register to date, but which have not yet been processed by your bank.

On the Funds Transfer screen there is a message that "Funds transfers entered after 7:00 p.m. CST will be processed the next day". Does this mean my transfer will not go through today?

While your funds transfer is still initiated today, the transaction will not appear in your register until after nightly processing on the host system is completed. You should receive a message back from the system indicating that your transfer has been successful and the Statement Available Balance will reflect the change in your balance the next time you log in to the system.

How are my bills actually paid?

Internet Banking submits (transmits) all your bill pay requests to our bill payment service around 9:00 p.m., CST each day, Sunday through Friday. The following business day after we submit the payment request, the bill payment service determines if your payee will accept your payment electronically or if a check needs to be sent. Once this is determined, your payment is sent and the funds are deducted from your checking account. Typically the funds are deducted from your account two business days following the transmission.

Please remember that the transmit date is not the day your payee will receive your payment. It is the day the bill payment process begins. The payment still must be processed and sent through the mail or ACH Debit. Bill payments are transmitted Sunday through Friday by Internet Banking, so PLAN AHEAD and please remember weekends and holidays.

How is the Internet Banking product different from a PC Banking product?

With Internet Banking no special software is needed (beyond your browser), nor is any account information stored on your hard drive. Also, account access is possible from anywhere you can use a computer that has Internet access using a browser that supports SSL, (Netscape 3.0 or higher, or Internet Explorer 4.0 or higher). Finally, the bank and the bank's software are one and the same. When new features are added, they are done on our end alone. As a client, there is nothing that you are required to do.

Transactions with a payee and/or category filled in do not keep the payee and category when they are exported to Quicken.

The payee and category will need to be entered to the transactions in Quicken. I am getting the wrong extension when exporting Quicken files.

For some Browsers, when exporting Quicken files, the default extension will be ".html". To import into Quicken, change the extension to ".qif". The system support Quicken 2000.