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Why do I get asked my security question when I log in at some times and not others?
You could be asked to answer an additional security question from time to time when your banking activity deviates from your normal pattern of activity, such as logging on from a different computer. A recent change in federal regulations requires all financial institutions, including AnchorBank, to provide this additional level of security to help make it less likely that anyone else can access your online account information.
Please update your security question and answer and verify your e-mail address the next time you log in to your account. To update these, click on the "User Services" tab and then, under the "Manage Account" heading, click on "Change Security Verification Question" and "Update Your E-Mail Address" to make sure this information is up-to-date.
If you have forgotten your answer to the security question or if you have any other questions regarding online banking, please call 1-800-25 ANCHOR (252-6246) and press option #8.
Can I change my Access ID?
You cannot change your Access ID. You can, however, change your password on your own with this system.
What browsers are supported within online banking?
Pages are best viewed using the latest versions of Internet Explorer, Firefox and Netscape. Your browser must accept cookies and be SSL compliant with 128 bit encryption.
If you are using Internet Explorer 7 you may need to
to adjust your browser settings as follows:
.Go to Tools > Internet Options.
.In the pop-up window, select the Security tab and click the Custom Level button.
.Scroll down to the Miscellaneous section (about 2/3 of the way down) find the "Launching programs and files in an IFRAME" option and set it to "Prompt" or Enable.
.Immediately below that is the second option "Navigate sub-frames across different subdomains". Set this option to Enable as well.
Who can I pay using bill pay?
You can pay anyone, anytime, anywhere in the United States - from your mortgage lender to your babysitter. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.
How do I use bill pay?
There are two basic steps involved in using Bill Pay to make online payments:
1. Set up your billers
2. Schedule payment
When you first begin using the service, set up your billers list by adding the billers to whom you want to make payments. Some billers can also send electronic bills (E-bills). You only need to add each biller once. All of your billers are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.
When you make a payment, you specify the date that you want the billers to receive the payment. You can make payments on the same day you schedule it to a significant number of billers. The Bill Pay service determines whether a payment is sent electronically or by check, based on whether the biller accepts electronic payments and other guidelines.
After a payment is scheduled, it appears as 'Scheduled' in 'Bill History'. After the payment is processed, the status changes to 'Processed'. the biller receives your payment on the payment date you specified and credits your account. Sometimes, however, the biller may take a few days to apply the payment to your account.
How far in advance do I need to set up payments?
Although many merchants are set up for same-day payment, to ensure that your bills are paid in a timely manner, please consult with the dynamic calendar tool. The calendar, when selected, appears in a pop-up box over the Payment Center. The calendar automatically highlights the current date and shows the earliest available payment dates over the next two months.
When are bill pay funds withdrawn from my account?
Funds are not withdrawn from your account until the pay date in most cases. Due to the method some payments are sent by, it may be actually after the pay date. Just remember that your payments are guaranteed if scheduled within the appropriate timeframe as discussed in the disclosure agreement.
What features are included in bill pay service?
By signing up to use bill pay, you'll be able to pay anyone you pay now and have bills delivered to you online with the E-bill service. Plus, you can set up automatic payments which pay any of your monthly bills of specified amounts on a recurring schedule.
How do I cancel, delete or make a change to an automatic payment?
In the Payments Center>Manage My Bills page you can cancel/delete or change an automatic payment and all associated future payments. To delete a payment that is based on an automatic payment and that has a scheduled status, go to 'Manage My Bills' and select the specific payment you want to delete.
1. Go to the Payments Center.
2. Click 'Manage My Bills'.
3. The 'Biller Name' drop down box opens.
4. Choose the appropriate biller name. A group of tasks will be presented to you.
5. To delete, click 'Delete automatic payment'. Click OK to delete payment. Any scheduled payments based on the automatic payment are canceled and no more payments will be made in association with the automatic payment schedule.
6. To change, click the appropriate task. Make the required changes to the payment.
7. Click 'Save
Changes' to complete.
Please note: The 'Pending Payments' list and 'Bill History' can be used to cancel, delete or change an individual automatic payment that has not begun to process.
What do I do if I can't remember my passcode?
If you can't remember your passcode, click on 'forgot passcode?' in the login area and follow the instructions. You can also call us at 1-800-25 ANCHOR (252-6246).
How often do I have to change my passcode?
You are required to change your passcode every 60 days for security reasons. You can change it more frequently if you'd like.
What is an E-bill?
An E-bill is a statement or invoice in an electronic format. E-bills typically contain the same information as your mailed bills.
Some billers that you set up in bill pay may be able to send E-bills to their customers. If you add a biller that can send E-bills, you have the opportunity to request E-bills from that biller.
After your request has been authorized you'll receive an E-bill from the biller within a month or so, depending on the biller's billing cycle. You can pay the E-bill directly and continue to make single payments to the biller whenever you need to.
If automatic payments is available for a biller that can send E-bills, you have the option to select it. Automatic payment pays E-bills by scheduling the payment date in time for the biller to receive the payment by the E-bills due date. Automatic payment pays the E-bills minimum amount due. When you set up automatic payment you can select to automatically pay the E-bill regardless of the payment amount or you can select to set a limit on the amount automatically paid.
How can I confirm that a payment has been sent?
Check the status of a payment in the 'Bill History' section of bill pay. If a descriptions states "processed" your payment has been made. The biller receives your payment on the payment date you specified and then credits your account. Sometimes, the biller may take a few days to apply the payment to your account.
Are my bill payments guaranteed?
AnchorBank guarantees on-time payments. If a payment is late, contact us. AnchorBank will bear the responsibility for any late-payment related charges up to $50. For complete information about the bill pay on-time guarantee, please review our disclosures.
Downloading into Quicken
Step-by-step instructions for downloading your account history and viewing it with Quicken:
- In the Account List, click on the account number that you wish to download.
- You will now be in the Details Page. At the bottom of the table, click the HISTORY button.
- You will now be in the History Page. Make sure the account shown at the top of the form is the one you meant to select.
- Fill in the date range you want to download. You can choose a date range that includes dates you've already downloaded. Quicken will ignore any duplicate transactions.
- From: Enter the beginning date for the account history you want to see.
- To: Enter ending date for the account history you want to see.
- Items Per Page: This menu is not used with downloads.
- Download Format: Click on this pull-down menu and select Quicken Web Connect.
- Download the file to your computer.
- To view the history before you download it, click on the VIEW HISTORY button. Otherwise, click on the DOWNLOAD HISTORY button.
- If your browser gives you a list of options, choose Save File. If Quicken is invoked, follow the Quicken directions instead of the rest of these instructions.
- The Save as window will appear. Your file will be named download.qfx. If you want to change the name, do so here, but don't change the .qfx part. Choose the directory to save your file in and click Save file .
- Open your account history in Quicken.
- Open your copy of Quicken.
- Go to the File menu and select Import.
- Import the file you just downloaded.
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