Online Banking FAQs

Online Banking

NetTeller Internet Banking allows our customers a secure and convenient access to their accounts using the Internet anytime of the day, any day of the year. Some of the functions available with NetTeller Internet Banking are:

Access and print information on all accounts including loans.
Review and print transactions and statements.
Confirm deposits, withdrawals and checks cleared.
Transfer funds between accounts and make loan payments.
Download transactions to the leading financial management programs.
Automatic Bill Paying.

What do I need to access NetTeller Internet Banking?

You will need:

A connection to the Internet.
A Web Browser - Because we use the latest encoding technology to ensure that your private information cannot be intercepted, you will need the latest version of Netscape Navigator or Microsoft Explorer. You may contact either of these vendors for a free current copy of their browser. NetTeller Internet Banking works on any operating system that supports the browsers listed above including, but not limited to, Windows 9x, Windows 2000, Windows XP and Mac.
A Farmers Bank & Trust Checking Account.
An assigned NetTeller User ID and PIN.

Do I have to register to use NetTeller Internet Banking?

Yes, a one-time application is required to sign up for NetTeller Internet Banking. Once this form has been completed with account information, we will issue a Bank ID number and a PIN (personal identification number). Upon your first visit to the NetTeller Internet Banking site you will be asked to select a PIN of your choice and that PIN will be used whenever you access NetTeller Internet Banking.

What happens the first time I log on to NetTeller?

The first time you logon, you will be prompted to change your personal identification number (PIN) to one of your choice. Your new PIN can be 4 - 6 characters in length and may contain letters, numbers or a combination of both.

How do I use NetTeller Internet Banking?

After you enter your Bank ID and PIN number on the first screen of NetTeller Internet Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in and press the "submit" button. Any additional pages will have actions buttons on them that lead you through your transaction. (For more detailed information, please visit the NetTeller Internet Banking Demo)

What if not all my accounts appear on my account list?

You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call us to have it added.

How current is the information about my accounts?

Account transactions and balances are real-time and will change during the day as you carry out Internet transactions. There may be delays from time to time because of processing or system issues, which we cannot control.

What happens if I open a new account after I am already signed up for NetTeller Internet Banking?

Any account can be added to your NetTeller Internet Banking Account as long as you are a sole or joint owner of the account to be added to your profile. Your New Accounts Representative should have added your new account at the time of opening. If you find that the account does not appear on your NetTeller account listing, stop by one of our locations or call us and upon proper identification, we will add the account to your NetTeller service. Your new account will be available within two business days.

Can I change my PIN?

Yes, you can change your PIN as often as you want. Simply click on "Account Management" and follow the simple instructions. The PIN can be any four (4) characters, alpha or numeric.

What if I enter the wrong User ID or PIN?

For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system. If you are locked-out, simply contact Account Services (Magnolia (870) 235-7000, Camden (870) 836-5701) and we will reset your User ID and PIN.

What if I forget my PIN?

We do not have access to your PIN once it has been changed. However, we can reset your PIN back to your initial PIN and you can then reset your own preferred PIN. Just call Account Services (Magnolia (870) 235-7000, Camden (870) 836-5701, Arkla (870) 859-3625) and with proper verification, your ID or a temporary PIN will be given to you.

What can I do to protect my account and personal information while I'm banking online?

Memorize your password
Your Net.Access24 ID and PIN verifies you when you begin an online banking session with Farmers Bank and Trust.
- Do NOT use the save password option on your computer
- Do NOT write down your password or reveal it to anyone.
Change your password regularly
It's important to periodically change your password.
Remember to sign-off
You may not always be at your own computer when you bank online. Therefore, it's important to log-off when you're finished banking or leave the room for a few minutes while in an open banking session. For your protection, Net.Access24 automatically logs you off after 10 minutes of inactivity.

How much history can I see Online?

You will be able to access three months of history. The history file will begin to build from the date that you sign up for Online Banking.

Is NetTeller safe?

Yes. You can rest assured that your account information is safe. The NetTeller system utilizes the most advanced encryption and authentication features available and allows you the flexibility to customize your individual employees' access and dollar limits. An automatic time out feature logs you out after ten consecutive minutes of inactivity.

Which browsers are compatible with NetTeller?

Internet Explorer and Netscape. NetTeller requires that your browser support 128-bit encryption.

What type of security do you offer?

Our Internet Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, you're information is always safe - it's like having a bank vault online.

What is encryption and how does it work?

Encryption turns meaningful works and phrases into coded language. Everything that you do during your Internet Banking session becomes a string of unrecognizable numbers before entering the Internet. Your account information will read as gibberish to everyone but you and our financial institution. Your Internet Banking sessions will all be encrypted.

What is 128-bit encryption?

A 128-bit encryption means there are 2128 possible keys that could fit into the lock that holds your account information, but only one that works for each Internet Banking sessions.

What does SSL mean?

SSL stands for "Secure Socket Layer." SSL technology allows users to establish sessions with secure Internet sites - meaning they have minimal risk of external violation. Our use of SSL keeps your account information and you secure once inside our Internet Banking site.

What types of security measures are taken to prevent sensitive information from being intercepted online?

From the moment account information leaves your computer to the time it enters the Internet Banking system we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.

You must enter your password, and we must verify it before you are allowed to access your accounts.
Only browsers supporting the SSL security system can be used to log on to our system.
Once online, we make sure only you can view any information about your accounts.
SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.

What can I do to protect my account information while I'm online?

We take numerous steps to keep your account information secure. However, you must take precautions as well.

Choose a good password - Your online password, along with your access ID, authenticate you when you begin an Internet Banking session. You should carefully select a password that is hard to guess.
Keep your password safe - Even the best password is worthless if it's written on a note attached to something. Memorize your password and never tell it to anyone. We do not need your password to help you, so we will never ask for it.
Change your password regularly
Remember to sign-off properly - You may not always be at your own computer when you bank online. Therefore, it's important to sign off when your finished banking.

Can I access my accounts from more than one location? Can I use it at home and at my office or when I am traveling?

Yes. You may login as long as you have an Internet connection and a secure browser.

Can I transfer funds between my Farmers Bank & Trust accounts and make my loan payments online?

Yes. You can transfer funds between checking, savings, CDs, and loan accounts.

How soon will I see transactions in my NetTeller Business account?

NetTeller is online and real-time. Any electronic transaction that occurs on your account, such as an ACH debit or credit, is available immediately.

How many statements can I see online?

You will be able to access and print your most recent statement. If you would like to review up to 90 days of history, use the "Previous Statement" option.

Can I download my account information to my financial management software?

Yes, you can download account information to Quicken, Microsoft Money or a spreadsheet program such as Excel or Lotus. The information may also be saved as text and exported to your favorite word processing software.

When downloading account information, save the information to a designated file folder on your computer, or specify the destination required for Quicken or Microsoft Money. To retrieve the saved account information, please follow the instructions on your software application (Quicken, Microsoft Money, etc).

The system has stopped accepting my commands and the login screen appeared.

The system may have been idle for 10 minutes or longer. For security purposes, the system is set with a default feature for a 10-minute time-out. If the system is not used for 10 minutes, the user will be inactive and will have to log in again.

How late in the evening can I make transfers?

The transfer cut-off time is 4:00 p.m., CST on business days for the same day posting. Business days are Monday through Friday, and do not include holidays or bank declared holidays. You can make transfers after 4:00 p.m. for posting on the next business day.

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 call the bank and we will make every effort to resolve the issue as soon as possible.

Bill Payment

Is there a charge for the Online Bill Payment Service?

No, online Bill Payment is free of charge!

Separate service charges may be assessed against your checking account.

Whom can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.

Are there any merchants that I cannot pay through the bill payment service?

No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check.

When will the money be taken out of my account?

For an ELECTRONIC payment, funds are debited the same day the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST are debited the next day during bill pay processing.

How far in advance should I set up a payment to insure it is paid on time?

Check payments should be scheduled 10 business days in advance of when you want the payment to actually be posted at the payee. Electronic payments should be made 4 business days in advance of when you want the payment to be posted at the payee.

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

You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.

What happens if I have a scheduled payment that falls over a weekend or holiday?

If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

What if I do not have enough money in my account?

CHECK payments are handled in the same manner as a check written out of your checkbook against any insufficent balance.

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

Can I get a copy of a cancelled check?

Yes. You can view and print check images through your NetTeller account. You also may retain a copy through your bank statement.

How long is history retained in the VIEW PAYMENT HISTORY section?

Payment history for active and deleted payees is retained and viewable for 19 months.

What happens if I lose or forget my ID or PIN?

If you forget your NetTeller ID or PIN, you may call the bank and with proper verification, your ID or a temporary PIN will be given to you.

Is there any minimum and maximum payment amounts?

Electronic payments are validated against the available account balance prior to processing with a maximum limit of $500,000.00. Check payments maximum limit is $9,999,999.99.

Can I have multiple payments to the same payee on the same day?

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

What does the "status" field indicate on the PAYMENT HISTORY PAGE?

Processed - The payment has been processed and sent.
Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following hapens: the funds become available; if it's a recurring payment and it expires, or if you delete the payment.
Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run.
Vendor Refund - Payment rejected at the electronic vendor.

How many payees may I have set up?

There is no limit to the amount of payees you can set up.

Can I edit Payee addresses?

You may edit the address of a CHECK payee only.

How do I know if a merchant is electronic or check?

Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.

Will the memo field that I fill out when setting up a payment be passed on to the merchant?

Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.

What type of security do you offer?

What is encryption and how does it work?

What does SSL mean?

What types of security measures are taken to prevent sensitive information from being intercepted online?

You must enter your password, and we must verify it before you are allowed to access your accounts.
Only browsers supporting the SSL security system can be used to log on to our system.

Once online, we make sure only you can view any information about your accounts.

SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Internet Banking system.
SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.

How do I cancel or close my Bill Payment Account?

Send a signed written request to the address below requesting that your Bill Payment Account be closed.

Farmers Bank & Trust
Attention: Account Services
P.O. Box 250
Magnolia, AR 71754

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