Some of the new features you will notice immediately are:

• The screens have a great new look – with a top navigation bar highlighting all your features
   
• Improved site navigation means the information you need is only a few clicks away
   
• “Quick” links are included allowing you to quickly go to commonly used functions
   
• Customer service features have been consolidated into a single section for easy access
   
• Online Help has been improved – You will see Online Help, How Do I…, Terms, and Frequently Asked Questions on every page
   
• For customers using bill payment, you will notice a new “smart calendar” to help you schedule payments as well as improved navigation that lets you easily move within the bill payment screens

Account Overview Screen
When you log in, you will be directed to the Account Overview Screen. All the information you have been using to complete your banking is still available, but it’s now better organized for improved viewing. The navigation is also improved, making it easier for you to move from screen to screen within Online Banking. Across the top of the screen, you will see all the features that are available, and along the left, side you will see the tasks within each feature.

Your bank accounts are now grouped by type. Within each type, accounts are listed alphabetically by the account nickname you have assigned. If you have not yet assigned a nickname, you can easily do so through the “Customize your accounts” link. 

For your privacy, only the last four digits of your account number will be displayed on most of your commonly used pages.

Transfer Funds
You still can transfer funds between your accounts at Kish Bank either by performing a single transaction or by setting up a recurring transfer. Your accounts will appear in the drop-down lists with their nickname, the last 4 digits of the account number for identification, and the balance in your account.

Make Payments
If you are not currently using bill payment, this may be the time you want to try it out, as we have made it easier than ever to use. For those that are already using bill payment, you will notice how much faster you can complete your bill payments.

You can find all your bill payment tasks within this menu, enabling you to pay one or all of your bills without entering unnecessary information.

When you click on the bill payment link, you will see a redesigned, simplified Make Payments page. The page gives you the date and amount of the last payment for each payee. To make payments, simply enter the amounts for each payee, enter the dates, and click the “make payments” button. Payments are scheduled immediately and go to your payment “Outbox”, but you can always change or delete them prior to 8:00 PM EST on the date they are scheduled to go.

You can have the system calculate payment delivery dates for you. If you enter a date to mail a payment, the system will tell you when the payment will get to the payee. The new “smart calendar” does the same thing, and it shows you both the scheduled and delivery dates at a glance.

Using the drop-down box on the top of the new Make Payments page, you can easily make payments from an alternate bank account. Simply enter the payments you want to pay from the first account, make those payments, select an alternate account, and make the rest of your payments.

You can still set up a recurring payment by adding a recurring payment option to your payee. Simply click on “Set Up Recurring” for any payee in your list, and go to the Change Options page. You can enter the frequency, amount, and schedule for that payment, and the system will schedule your payments for you. This works great when you pay the same amount every month!

Customer Service
This new section provides a link to contact us, as well as many other functions. Within this Customer Service Index, an account maintenance feature allows you to change items such as your password and e-mail address. Within the Account Services section, you have the ability to stop checks. Also included on this page are links to our online banking disclosures for easy reference.

Logging Out
At the top of your screen, you will see the Sign-off Button. To ensure the security and privacy of your online banking information, be sure to always use this sign-off link or close your browser after you have completed your banking transactions.


Best of all – you receive all these benefits without doing anything! When we release our improved Online Banking service on April 28, 2007, all these exciting new features are automatically available to you. Rest assured, any scheduled payments and transfers will continue to be processed as you have them set up.

Your current user ID and password for Online Banking will remain the same. If you forget your password, please contact us at 888-554-4748. Please note: If your browser is set to remember your password, you will need to re-enter the password the first time you log in to the updated service. For security purposes, we do not recommend you save your password in your browser.

If you have book marked our site, you will need to update your bookmark. Please go to our website at www.kishbank.com and follow the links to our updated online banking service.

If you have any questions about this information or trouble logging in, contact customer support at 888-554-4748.

We hope you enjoy using out improved Online Banking service.