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July 4, 2009 Spacer Image
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Online Banking FAQs

Bill Pay FAQs

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Online Banking FAQs

Q Who can use Online Banking?
A Anyone who is a San Joaquin Bank customer may sign up for and have access to their accounts through Online Banking.
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Q Can business customers use Online Banking?
A Yes. The same great features of Online Banking are available to our business customers. Because of their special needs, our business customers have access to some electronic payment methods not available to our personal accounts. The person opening the Online Banking account must be authorized by the business to do so.
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Q When is Online Banking available for use?
A In most cases, Online Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside our control. We process and update your Online Banking transactions only on business days. Our business days are Monday through Friday, excluding legal holidays.
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Q How current is the information in Online Banking?
A The information displayed in Online Banking is online/real time information. You will see transactions post to your account through the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you transfer funds between accounts, your available balance will be updated to reflect that activity.
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Q I’m having trouble accessing Online Banking. What should I do?
A If you’re having problems accessing Online Banking, check to see if you can access other web sites. If you cannot, contact your Internet Service Provider.

If you can access other web sites but can’t access Online Banking, the system is either off-line or we’re experiencing a temporary disruption of service. Please try again later.

If the problem persists, please contact San Joaquin Bank Online Banking Support at 661.281.0360. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm.
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Q Can I change my ID? The login ID I have with the new system is much longer than the old one!
A Yes, you can. To change your 12-digit Online Banking ID to a name or number that’s easier to remember, go to ‘Home Banking Management’ and select ‘Create/Change Online Banking ID (Alias).’ Once entered, you can use your Alias to login to Online Banking. (You can still login using the 12-digit login ID at any time.)
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Q How often do I have to change my Online Banking PIN?
A Maintaining the privacy of your bank information is important. For security reasons, we require you to change your PIN every 180 days. However, you don’t have to wait 180 days to change your PIN. You may change your PIN at any time by going to ‘Home Banking Management’ and selecting ‘Change Online Banking PIN.’ Please don’t share your Online Banking PIN with anyone. If you think someone knows your PIN, change it.
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Q What do I do if I forget my Online Banking PIN?
A If you’ve forgotten your Online Banking PIN, contact Online Banking Customer Support at 661.281.0360.
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Q Why doesn’t my Online Banking PIN work?
A There could be several reasons. You may be entering the wrong PIN. You could also be locked out of Online Banking. You are allowed three login attempts. On the third attempt, if invalid, you are locked out of Online Banking. In addition, if you have not logged in to Online Banking in the past 60 days, you will be locked out of the system. If you get locked out, please call Online Banking Customer Support and ask that your account be unlocked. You may call them at 661.281.0360, Monday through Friday from 8:00am to 5:00pm.
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Q What happens if I forget to log out of Online Banking?
A You should always log out the system if you’re going to be away from your computer for any length of time. If you forget to log out, the system will automatically log you out after 10 minutes. Your current session will become inactive and you’ll be forced to log on again to use the system.
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Q Where in Online Banking do I go to look at the transactions that have posted to my account?
A To view transactions that have cleared your account since your last statement, click on ‘View Current Transactions.’ To view transactions prior to your last statement, click on ‘View Range of Transactions.’
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Q On a normal business day, how late can I make a funds transfer?
A All transfers requested before 5:30 pm will be processed that day. Any transfers after that time will be honored the next business day.
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Bill Pay FAQs

Q Who can I pay using Online Banking Bill Pay?
A You can pay any business or person, even if they don’t accept electronic payments. All you need is the payee's name and mailing address.
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Q How many days in advance should I schedule my payment?
A You should allow time for your payments to process. For a payment made by check, you should allow 5-7 business days. For an electronic payment, you should allow 3 days.
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Q When I pay a bill, when does the money come out of my account?
A For electronic payments, the funds come out of your account on the effective payment date. Check payments will clear your account like any written check.
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Q What is the bill payment cut-off time?
A Payments made before 10:00am will be processed the same day. Payments made after 10:00am will be processed the next business day.
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Q Do I need to re-enter payee information each month?
A Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you’ll have to change each month is the amount you want to pay and the date you want the bill paid.
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Q Who do I contact if I have a problem with Bill Pay?
A If you have a problem with Bill Pay, call Online Banking Customer Support at 661.281.0360. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm.
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