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What can I do with Kish Bank
OnLine Banking?
Kish Bank OnLine Banking provides you with the convenience and security
of Internet access to your accounts to perform the following:
- Pay your bills with the click of a mouse when you sign up for
FREE OnLine
Bill Payment
- Review and Print Transaction History
- Monitor Account Balances
- Check Deposit and Loan Balances
- Verify Deposits and Paid Checks
- Transfer funds in one of three ways; same day, future dated
and repeating
- Create alerts for certain account conditions that will be sent
via email
- Interact with the bank via the Message Center (secure emails
to/from Kish Bank)
- Integration with Personal Finance Management Software (MS Money
and Quicken)
- Place Stop Payments
Kish Bank OnLine Banking
Costs
There are no fees for accessing your accounts through OnLine Banking.
However, normal account charges such as stop payment fees may apply
depending on your transactions.
About Web Browsers
Kish Bank OnLine Banking has been designed to be viewed through
these web browsers under the Microsoft 98, ME, 2000 or XP
operating systems: Internet
Explorer 5.5 or higher (6.0 or higher for Windows XP), Netscape 7.0
or higher and AOL 7.0 or higher. Mac OS X 10.1 and 10.2 users may
use Internet Explorer 5.2, Netscape 7.0 or higher, and AOL for MacX.
Mac OS X 10.3 users may use AOL for MacX and Safari 1.2 or higher. In addition, your
Internet Service Provider must support Secured Socket Layers (SSL).
OnLine Banking supports only 128 Bit (strong) encryption
or higher. All of the supported browser versions will meet this
criteria.
Internet Explorer users can download the upgrades
by clicking here.
Netscape users can download upgrades by clicking here.
Safari users can download the browser by clicking
here.
How is my Information Protected?
Kish Bank OnLine Banking protects your privacy in two ways. First
it creates a secure connection between your personal computer (PC)
and our secure server using the latest Secure Sockets Layer (SSL)
encryption. SSL technology prevents any interception of data communicated
between your PC and our server. The second way we protect your information
is by utilizing a secured server that requires you to provide a
user identification number and a password. This second, propriety
security system prevents unauthorized access to your information.
Additional Protections
Consumer Protection Laws Related to Web Banking Electronic Funds
Transfers made by means of computers are protected by the same regulation
as Debit and ATM cards, Regulation E. This includes telephone bill
payment transactions, debits or credits through the ACH system,
and any other potential transfers resulting from a Web Banking transaction.
Summary of Consumer Rights
The bank is liable for losses or damages incurred for a failure
to make an agreed upon transfer, with some notable exceptions. Exceptions
include you do not have enough money in your account to do the transfer,
you would exceed your credit limit on a credit line if the transfer
occurred, acts of God, among other things.
Customer liability for unauthorized transfer is the
lesser of $50 or the amount the unauthorized transfer if reported
within 2 business days after learning of the loss. If the customer
fails to notify the bank within 2 days, liability may be up to $500.
If a customers' monthly statement shows transfers
the customer did not make, unauthorized transfers, the customer
liability follows the pattern below or a combination of such:
- If they notify the bank within 2 days after noticing the error,
the liability is $50 or less.
- If they notify the bank within 60 days after the statement
was mailed, the liability is up to $500.
- If they fail to notify the bank within 60 days after the statement
was mailed, the liability is unlimited for transactions that happened
after the 60 day period.
Consumer Protection Laws
Related to Web Banking
Electronic Funds Transfers made by means of computers are protected
by the same regulation as Debit and ATM cards, Regulation E. This
includes telephone bill payment transactions, debits or credits
through the ACH system, and any other potential transfers resulting
from a Web Banking transaction.
Getting Started with Kish
Bank OnLine Banking
Individual customers can activate their accounts for OnLine Banking
immediately by following the steps below. NOTE: COMMERCIAL CUSTOMERS
MUST VISIT THEIR LOCAL BRANCH TO ACTIVATE OnLine Banking.
Click here
to sign up.
Funds Transfer
ASAP Transfers - (As Soon As Possible)
For Deposit accounts and Savings accounts, the transfer will occur
immediately. The only exception would be for a transfer request
coinciding with the daily processing deadline, which would delay
the transfer until the system was once again available.
Specified Day Transfers - (Future Dated)
The transfers will occur at 6:00 AM EST on the day they are scheduled.
If you have questions
We value your business, so if you have any questions, please call
us at 1-800-981-KISH (5474), or, you can e-mail us at
contactus@kishbank.com
Stop Payments
Stop Payment can be initiated from Kish Bank OnLine Banking.
There is a service fee of $15.00 per check.
Online Loan Payments
You can make payments to your Kish Bank installment and mortgage
loans right on the internet. Kish Bank's OnLine Loan Payment service
offers you the flexibility to transfer funds from your checking
or savings account and apply those funds to your installment or
mortgage loan. Read the section below to find out more:
How does it work?
First, if you have recently (after May 19, 2003) activated your
account for OnLine Banking, you must pre-authorize your accounts
for funds transfer by completing a request form at your local branch.
You will be able to select which account you would like to transfer
FROM (checking, savings or line-of credit) and which accounts you
would like to transfer TO (which will now include any installment
loan or mortgage loan accounts that are active). Enter the amount
you would like to transfer and when the transfer payment should
be paid. You can also choose to have your transfer processed immediately
or on a specific future date. For transfers that use the current
date as the transfer date, the funds will transfer immediately.
For future dated transfers, the funds will transfer in the early
morning of that date.
How will the funds be applied to the loans?
Mortgage Loans: If the transfer is for the exact amount of
the payment due, it will be applied to satisfy the payment. If the
amount is more than the current payment due, the excess funds will
be applied to the loan principle. If the amount transferred is less
that what is due, and the payment currently due has not been satisfied,
the funds will be held in an unapplied funds status until funds
sufficient to make the payment are transferred. If the amount transferred
is less than a regular payment, and the current payment due has
been satisfied, the funds will be applied to the principal balance.
Installment Loans: Any funds transferred are
applied to payments due. If the funds transferred exceed the payment
due amount, the excess is applied to future payments.
Lines of Credit: Funds transferred to a Line
of Credit Account will be used to meet any current payment due.
Any funds transferred that are in excess of the current payment
due will be applied toward principle. Any funds transferred that
do not meet the total amount due will be held until sufficient funds
are transferred to meet the payment obligation. These types of incomplete
payments will not change the due date for the total payment.
How will I know that the payment has been successful?
You will receive a message that states "Thank you. Your transaction
ID id #########." The transaction ID is how the payment can be traced
and it is a good idea to make note of the information until you
verify that the payment was applied correctly.
How will it be reflected in my account? Transactions
will be reflected your deposit accounts immediately and in your
loan account in the next business day.
What should I do with my payment stubs?
The stubs are not needed by the bank if you choose to make your
payment electronically.
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