What accounts will I have access to? Is there a charge for Online Banking? How do I enroll in Citizens Online Banking? How do I choose a secure password? Will I have access to transaction history on my accounts? Can I download account information? How do I download into a Personal Finance Application? Can I transfer funds between accounts? Can I make future dated or recurring transfers? Can I use Citizens Online Banking to pay my Citizens Loan? What if I forget my password? How secure is my information? Why use 128-bit encryption levels? What additional security will be provided? Are PC, Online, and Internet banking the same? How do I Logoff of Citizens Online Banking? Will my full account number be displayed? What accounts will I have access to? You will automatically have access to all of your accounts in which your name is listed as an account owner at your household address including any new accounts you may open. [ Top ] Is there a charge for Online Banking? There are no fees to access account information through Online Banking. [ Top ] How do I enroll in Citizens Online Banking? You can complete and submit an Online Banking application which is processed at our Customer Service Center. You will be asked to select a User ID consisting of 7 to 12 alpha and numeric characters. After you receive a temporary password and Online Banking packet of information in the mail, you will be asked to choose a new password and set your security data prior to your first entry into online banking. APPLY [ Top ] How do I choose a secure password? Passwords are much safer if they incorporate numbers, but just adding a couple of numbers at the end of an otherwise predictable word won't buy as much security as you might think. The best passwords aren't really words at all. They are random mixtures of letters, numbers and characters, and they are more than seven digits long - the longer the better. If you write down your password so you don't have to remember it, then you make it less secure. Good passwords are the first line of defense for information security. Choose your passwords wisely. [ Top ] Will I have access to transaction history on my accounts? Up to 45 days of history can be accessed on all credits, debits, cleared checks, and deposits for checking, money market, and statement savings accounts. Approximately 14 months of history is available on loan accounts. [ Top ] Can I download account information? All account information can be downloaded to your personal finance management software. [ Top ] How do I download into a Personal Finance Application? To Export transactions into a personal application, complete the Transaction Search options on the Transaction Menu screen, then click the "Export" button to complete the export process. Or, click the "Display" button to display a complete list of transactions. Select the "Export" check box for each item to be exported. If the check box in the title bar is selected, all displayed items are automatically selected for export. If the check box is then deselected, all displayed items will not be exported. Note: Special printing is available on export item lists. [ Top ] Can I transfer funds between accounts? Citizens Online Banking is a secure, convenient way to transfer funds from your checking, line of credit, money market or savings (not including Early Investors and Christmas Clubs) to your checking, money market, savings (including Early Investors and Christmas Club), or loan accounts. Transfers are not permitted between personal accounts and non-personal (business/organization) accounts. Transfers from a money market or savings account are limited to six per statement cycle (for example: Telephone, Online Banking and automatic transfers) with no more than three by check, draft or similar order to third parties. Transfers completed after 6:00 pm Central Standard Time Monday through Friday or on a non-business day (Saturday, Sunday or Holiday) will be processed on the next business day. [ Top ] Can I make future dated or recurring transfers? Citizens Online Banking provides the flexibility of completing a same day transfer (prior to 6:00 pm CST M-F), a future-dated transfer, or recurring monthly transfers. [ Top ] Can I use Citizens Online Banking to pay my Citizens Loan? Yes, by transferring funds from one of your other Citizens accounts to your loan account, you can avoid writing a check and having to mail your payment. Loan transfers via Online Banking or Telephone Banking prior to 6:00 PM Central Time Monday through Friday will appear in your account history on the following day. Loan transfers after 6:00 PM Central Time or on a non-business day (Saturday, Sunday, or Holiday) will appear in your account history on the 2nd business day following the transfer date. [ Top ] What if I forget my password? Citizens Online Banking application contains various pieces of information that can be used to verify your identity as well as a security question that is selected and answered by you at the time of application. Our Customer Service Center can be reached at (219) 923-1499 or 1-888- 226-5237 and will assist you should this occur. [ Top ] How secure is my information? Online security is as important to Citizens as it is to you. When you bank online, it is encrypted through Secure Socket Layer. Our Online Banking product provides 128-bit encryption. This technology encodes information sent over the Internet between your computer and Citizens. This ensures the information you send remains confidential. [ Top ] Why use 128-bit encryption levels? Browsers are roughly 300,000,000,000,000,000,000,000,000 times stronger with 128-bit encryption than browsers with 40-bit encryption levels. While 40-bit is fine for lower risk transactions, it is no longer considered adequate by most cryptographers and computer scientists for financial transactions. It is estimated that the 128-bit encryption level will be strong enough to prevent security breaches for the next 20 years. [ Top ] What additional security will be provided? Citizens added an additional layer of security to online banking known as Multi-Factor Authentication. What this means to you: A unique pre-selected image to assure you that you are on the Citizens website Additional security questions for use when you are using a public computer to access your account information Our Online Banking and Bill Pay sites incorporate VeriSign's digital ID certificate and state-of-the-art technology to keep your account information safe and protect all of your internet transactions. [ Top ] Are PC, Online, and Internet banking the same?Online Banking and Internet Banking are the same. PC Banking is software-related and is not accessed through an Internet site. [ Top ] How do I Logoff of Citizens Online Banking? The “Logoff” button allows you to exit Citizens Online Banking and returns you to our Website. When you are visiting any secure site including Citizens Online Banking, it is important that you logoff when you are finished. Your online banking session will remain active if you only close your browser window or click the "X" at the top of your browser without logging off. For your protection, your Citizens Online Banking session will automatically logoff after 15 minutes of inactivity. [ Top ] Will my full account number be displayed? No. For added protection, only the last four digits of your account number are displayed. [ Top ]