Security

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Online Banking and Bill Payment Frequently Asked Questions

Online Banking Safety Tips
Important Browser Information
Online Banking Login Verification
Payment Partner – Online Bill Payment

Online Banking Safety Tips

  • Never reveal your password to anyone or leave your password anywhere so that someone else can obtain and/or use it. If you feel that your password has been compromised contact our Customer Service Department immediately at (201) 493-2949 for assistance.
  • Change your password on a regular basis.
  • Make your password at least 6 characters in length and a combination of numbers and letters.
  • Use the logout button to end each Online Banking session. Do not use the Back button to exit the site..
  • Balance your account on a regular basis. Online Banking makes it easy.
  • ASB will NEVER ask for personal information via an email. If you should receive an email that appears to be from ASB asking for this information, please do not respond to the email but contact us immediately at (201) 493-2949.

Important Browser Information

Q: What do I need to use Online Banking?

A: To use Atlantic Stewardship Bank’s Online Banking you will need the following:

  • Atlantic Stewardship Bank Account
  • Personal Computer with an Internet browser supporting 128 bit SSL encryption
  • Internet Connectivity
Supported Browsers

We highly recommend that you regularly upgrade/update your browser to the latest version.
Recommended browsers include: Microsoft Internet Explorer 8 & 9, Mozilla Firefox 3.6+, Google Chrome, or Safari 6 (for MAC users).

Q: How do I know if my browser supports 128-bit encryption?

A: To determine if your browser supports 128-bit encryption, click on "Help" in the toolbar of your Internet browser and click on "About [browser name]". A pop-up box or window will display. For Internet Explorer - Next to "Cipher strength" you should see a minimum of "128-bit". Recommended browsers include: Microsoft Internet Explorer 8 & 9, Mozilla Firefox 3.6+, Google Chrome, or Safari 6 (for MAC users).

Q: What do I need to do to upgrade?

A: Internet Explorer

In Internet Explorer, click on Help and select About Internet Explorer. The window that pops up should say a minimum "Cipher strength: 128-bit". If it does not, clicking on "Update Information" will take you to the link below, which contains instructions for upgrading Internet Explorer:
http://www.microsoft.com/windows/ie/downloads/recommended/128bit/default.asp.

If you are running Windows 2000, you can access this link:

http://www.microsoft.com/windows2000/downloads/recommended/encryption/download.asp.
The upgrade is simple and fairly quick. You will be required to restart your computer.

Q: What can I do with Online Banking?

A: With Atlantic Stewardship Bank’s Online Banking you can:

  • Check account balances and transactions
  • Track your ASB ATM and Debit Card transactions
  • Transfer funds between ASB accounts
  • Access Payment Partner, our bill payment service
  • Make loan payments
  • View copies of check images
  • Keep track of up to 20 different stocks
  • Request change of address
  • Initiate stop payments
  • Communicate with us through secure Email or Live Chat
  • Download account information in MS Money or Quicken
  • Set up email/text alerts on your account

Q: What kind of accounts can I access with Online Banking?

A: You can get online account access to your ASB Checking and Savings Accounts, Money Market Accounts, Certificates of Deposit, and Forever Clubs. Loans available for balance reporting and regular payments include Auto, Personal, Home Equity, Mortgage, and Ready Reserve Lines of Credit.

Q: What are the costs for Online Banking?

A: Our Online Banking service is free of charge for both our personal and business account holders on our consumer/small business online platform. This includes unlimited access to your accounts as well as, transfers between authorized accounts.

Q: How do I sign up for Online Banking?

A: You may complete the ONLINE BANKING enrollment form found on the Online Banking Log On screen.

Each customer must complete a separate Online Banking Application even if the account is held in joint ownership.

If you would like to view your business account online, you will need to enroll in the service using the tax ID of the business, not your personal social security number.

Q: Can I use ASB’s Online Banking immediately once I enroll?

A: This enrollment process may take up to one business day. An email will be sent when you can log in for the first time.

Q: What if I need help with my Online Banking service?

A: Many questions can be answered by clicking on the Online Banking Disclosure or Terms of Use links. Or you may submit questions by sending a secure email message or access Live Chat from within Online Banking.

If you cannot find the answer to your question, you may contact our Customer Service Department at 201-493-2949, Monday through Friday 7:30 AM to 7:00 PM and Saturday from 9:00 AM to 1:00PM.

Q: How current is the banking information that I view online?

A: Your account information is updated every business day using the transactions that have posted to your account the previous day.

Q: Can I view all of my transactions at any time?

A: Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week except during scheduled maintenance or unforeseen outages.

Q: How much account information can I view at once?

A: The system will automatically show the current month’s transactions and information, plus an additional two full months.

If you require information older than three months, our E-Statement Service archives 12 months worth of statements. You can access your electronic statements by clicking on “Additional Services” within Online Banking.

Q: Can I view my account details in more than one way?

A: Yes, you can sort your accounts by date, check number, payee, amount or balance in ascending or descending order. You can also use the check-imaging feature to obtain copies of checks.

Q: How can I use the check-imaging service?

A: This is a convenient and free service for you to obtain copies of your checks that have cleared your account in the last 90 days. You must have an Online Banking account to use this service. Once you have logged on, go to your checking account transaction history and click on the check number of the item you would like to view. You will be able to see both the front and back of the check. You can also print the images for reference by simply selecting the print option from your browser window.

Q: What formats can I download my transaction history in?

A: Online Banking supports downloads to Quicken™, Microsoft Money™, or as a comma-delimited text file. You can also use Direct Connect from your Quicken program to your online banking account for automatic updates to Quicken.

Q: Can I schedule future transfers?

A: Yes, by using the Move Money link within the main page of Online Banking. Transfers can be scheduled for the future as a one-time transfer or a weekly, bi-weekly or monthly re-occurring transfer.

Q: How long can I remain inactive before being logged out of Online Banking?

A: In order to keep your account information secure, the inactivity period is set to 10 minutes. A warning will appear on the screen asking if you would like to continue working in your Online Banking. If you do not select to extend your session, you will be timed out.

Q: How do I change my password when I am told it is going to expire?

A: You will not be prompted to change your password. However, we give our customers the option to change their password within Online Banking. You simply click on “My Profile” in the top right side of the screen and are able to change your password and user id, as well as, update your verification information.

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Online Banking Login Verification

Your online security has always been a top priority to us. We have upgraded your Online Banking experience with a new, more secure verification step. This updated security feature will help protect you against account fraud and identity theft. Provided below is a short FAQ regarding this new service. Please feel free to contact Customer Service at 201-493-2949 should you have any additional questions.

Q: What is the purpose of the verification step? Isn’t my user name and password enough?

A: The verification step is required when you log in from an unrecognized computer. It is an updated step that protects your accounts from unauthorized access by strengthening the security of your online banking session.

It allows us to identify you as the true “owner” of your accounts by recognizing, not only your password, but your computer as well. If we do not recognize your computer – you have logged in from a public computer or one you have not used before– we will ask you for information that only you will be able to access as an additional line of defense to prevent unauthorized access.

Q: What is the benefit of adding extra security protection?

A: Adding extra security protection to your computer allows us to recognize your computer, along with your normal login information. If someone were to obtain your login information and try to access your account from their computer, having the extra security protection will stop them from gaining access because they will be prompted to obtain a verification code that is set up to be sent to your personal phone or email.

Q: How does Enhanced Login Security work?

A: Whenever you login from a computer that you have added extra verification to, you will automatically have additional protection, and will notice no difference in the way you login. However if you login from a different computer than the one you have added, you will be asked for the additional information in order to login.

You will need to add extra security to each computer that you use for online banking. This can be easily done by selecting the Enhanced Login Security link that is located within the User Options section of your online banking account.

Q: How do you recognize my computer?

A: When you add Enhanced Login Security to your computer, a secure file will be placed on your computer. This is commonly referred to as a “cookie”. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system.

Q: Can I login from multiple computers and browsers?

A: Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you have not added extra security to, you will be asked for additional information so that we can verify that it is really you. If you provide this information correctly, you will have the option to register the computer, and avoid being asked for the verification every time.

*Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

Q: I share my computer with another Online Banking user. Will both of us still be able to login from the same computer?

A: Yes. You can use the same computer to login to your individual accounts. This is because your secure cookie is linked to only your login information. There is no limit as to how many secure cookies can be installed on the same computer.

Q: Why do I keep getting asked for extra information when I login from a computer that I have already added extra security to?

A: This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you remove the cookies manually from your machine or if you have installed a Spyware blocker software product that will automatically delete these items.

In order to use the Login Verification feature without being asked for additional information at each login, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each login.

Q: What happens if I deleted my cookies and I do not want to be prompted to answer additional information every time I log on?

A: You will simply need to re-register your computer.

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Payment Partner – Online Bill Payment

Q: What is Payment Partner?

A: Payment Partner is our online bill payment service.

Q: What do I need to use Payment Partner?

A: To use Atlantic Stewardship Bank’s Payment Partner service you will need the following:

  • Atlantic Stewardship Bank Checking Account
  • Atlantic Stewardship Bank Online Banking Account
  • Personal Computer with an Internet browser supporting 128 bit SSL encryption
  • Internet Connectivity
Supported Browsers

Q: What are the costs for Payment Partner?

A: FREE for personal checking accounts – unless no bills are paid for three months. If no bills are paid for three months, your account will be charge $5 inactivity fee.

SMALL BUSINESS ACCOUNTS - $5.00 monthly fee charged for 10 bills paid and $.55 for each additional bill paid. The first three months on Payment Partner are FREE of charge.

Q: How do I register for Payment Partner?

A:

  • Visit our website, www.asbnow.com
  • Login to Online Banking using your User Name and Password
  • Click the Payment Partner tab
  • Follow the prompts to begin using this product

Q: What if I need help with my Payment Partner service?

A: Many questions about Payment Partner are answered under the FAQ section of Online Banking, Payment Partner site. You may also contact Bill Pay Support at 1-800-823-7555 or send an email to asbnow@billsupport.com. You may also contact Atlantic Stewardship Bank’s Customer Service Team directly at 201-493-2949.

Q: When I add a new payee to my bill payment account, how quickly will the change take place?

A: When you update the information for the bill payment account, the changes are implemented immediately for the next payment you send out. Any payments that are pending will not have the updated information.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

A: If you select an electronic payee with an address that is different than indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches the one indicated on the payment coupon and the payment is routed incorrectly, we will take responsibility for the late fee. We recommend that you speak with Bill Pay Support directly to obtain details about the payment. They can be contacted at 1-800-823-7555.

Q: Whom can I pay using Payment Partner?

A: You can pay almost anyone in the United States, charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. If your payee accepts electronic payments, they will be paid through an electronic funds transfer. Otherwise, they will receive payment by a paper check sent in the mail. (Please Note: Payments can be made to alimony, maintenance or child support. You can make payments to taxes or other governmental fees or court directed payments but it is not recommend in the event there is a problem – it is very difficult to track down the missing check. Atlantic Stewardship Bank is not liable if the check does not make it to the correct party on a governmental level.)

Q: After I set up a bill for payment, how long does it take for the money to be debited from my account?

A: Your primary Online Banking checking account will be debited for the amount of the payment on the processing date you requested. However, if the payment is sent in the form of a paper check, your account will not be debited until the check is processed by the company (payee).

You also have the ability to set up a re-occurring payment to be paid on the same date each month. You can enter payment information 24 hours a day, 7 days a week. Please be advised that you can only schedule one recurring payment per vendor. If you need to send an additional payment, you will need to enter the information manually.

Q: Will I see a check number on my checking account statement for bills paid through the Payment Partner service?

A: Depending on whether a payee accepts electronic payments, there may be a check number for bills paid through Payment Partner. A check number for new bill pay users defaults to 9000 for the first check. You have the option of changing the number to start anywhere you would like as long as it is 4 digits. Electronic bill payments do not generate check numbers.

 

Atlantic Stewardship Bank, the Atlantic Stewardship Bank logo, and Faithful to our customers are trademarks and/or registered trademarks of Atlantic Stewardship Bank. © 2016 Atlantic Stewardship Bank.

Monday, April 24, 2017