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These are some of the most common questions we hear about internet banking. If you don’t see the answer to your question here, feel free to call Yer Yang at 608-784-3911 or send us an email. We’re happy to help.
Getting Started Troubleshooting and Security Security Online Banking FAQs
What do I need to use Online Banking?
Online banking requires:
- A Coulee Bank account
- Internet access with a 128-bit encrypted browser
How do I sign up for Online Banking?
Stop in to one of our Coulee Bank locations for an application, or review the disclosures and apply online here.
Can I use Online Banking from more than one computer?
Yes. You can use our online banking service from any computer that has Internet access and a 128-bit encrypted browser. For security reasons, if you do access your online bank account from a location other than your primary login location, you will be asked to answer a security question that you set-up earlier.
Is Online Banking secure?
Absolutely. Each time you log in to online banking, a secure connection is opened to the bank. This connection is protected using a “Secure Sockets Layer,” or SSL, which is a security protocol that prevents eavesdropping, tampering, and message forgery over the internet. We offer additional protection to our online users with our firewall technology. Our firewalls monitor all data traffic to and from your online account, ensuring that only known users are able to gain access. The full SSL specification can be reviewed here. Finally, our system will log the IP address from which you normally log in and if a login attempt is made from an unusual location you will be asked a security question that you set-up earlier. (Please note: we will not install a cookie or spyware onto your computer, but simply log the IP address of the computer you are using.)
How secure are my accounts?
Your accounts are secured by the individual ID and Password that you select. Do not share this information with anyone you do not want to have access to your accounts.
What should I do if I forget my Online Banking ID or Password?
Call us at 608-784-9521 and we will reset your password so you can set up a new one.
What should I do if I’m having trouble using Online Banking?
Call us at 608-784-9521 and ask to speak to one of the internet banking specialists and we will help you through the problem. Also, you can click the email button in your online account, type your question, and send it to us. The email will then be routed directly to Coulee Bank, and we will get back to you.
What if I have trouble signing in when I first use Online Banking?
You may need to update your browser by following the instructions on the opening screen.
Which accounts can I access through Online Banking?
You can view all transactions for your checking accounts. You can see balances for the following:
- Checking accounts
- Loans
- Lines of Credit
How current is the Online Banking balance information?
The current balance is the balance in your account at the end of the
previous business day (3:00 pm CST). The available balance you see
includes direct deposits and automatic withdrawals, ATM transactions and
debit card transactions as of the current processing day. This balance will
also reflect any transactions or transfers made throughout the day online or
at the bank itself.
What types of things can I do with Online Banking?
After logging in to your online account, you will see a list of your accounts. On the main page you can choose from the following:
- Bill Payment: allows you to add payees, add and submit payments, view payment history, and change your Bill Pay password
- Options: allows you to change your personal ID or password, reset your login count, change your account names, and change your alerts and display options
When you select an account from the account listing on the main page, you will have the following options:
- View transactions, where you can click on a specific check number to view its image or view a range of transactions between dates
- Download transactions for use in your finance programs
- View past statements
- Enter stop payments
- Transfer funds from the chosen account
How do I view a check that I’ve written?
You can view any check that you’ve written and that has been processed by clicking on the underlined check number under the “TRANSACTIONS” heading.
Will I be able to advance funds from my loan or line of credit?
Yes, with approval from your loan officer you will be able to transfer to existing deposit accounts.
How do I change my login ID to something easier to remember?
After logging in, click on Options. Enter your new ID, and then click on submit. Your ID may be letters, numbers, or a combination of both.
How do I change my account names so I know what they are for?
After logging in, click on Options. On the Options menu, click on Account. Enter new account names and then click on submit.
How do I download transactions into my financial software program (e.g., Quicken or Microsoft Money)?
- First, make sure your financial program is set up for downloading transactions from your financial institution. Check your software’s instruction manual or with the vendor on how to do this.
- When you log into your account, click on the down arrow next to the account from which you want to download. Click on “download,” select transactions to download, and select the format.
- Click on the “submit” button.
- The next screen will tell you how to save the transactions.
- To download directly into your financial program, click on the arrow and “transactions from (account) in (QFX or OFX) format”.
How can I access or print old statements?
Next to the account, click on the down arrow and click on “Statements.” Next to the statement ending date that you want to see, click on the down arrow and choose the format you want. The next screen will tell you how to download or view the statement.
Can I make a payment on my credit card through Online Banking?
Yes. First, you need to sign up for Bill Pay with your online account. Then you can make your credit card payments and pay your other bills with this feature. If you chose not to enroll in this option, you can go to http://www.myccinfo.com log into the site and select “pay bill online” located on the left of the page. Just follow the directions to make your payment.
How do I put a stop payment on a check?
1. Under account listing, select the account you want to put a stop payment on click on “Stop Payments.”
2. Enter date of check to stop (required field)
3. Enter the check number to stop. If there is only one check number to stop, type that number in both the start and end number. If multiple and consecutive, enter start and end number. If multiple and not consecutive, enter as single check number.
4. For one amount, enter the same amount in “Begin” and “End” amount fields.
5. Enter the payee of check (required field)
6. Enter a remark to be read by a Coulee Bank employee.
7. Click “submit.” You should receive a confirmation of your information. If something was not completed properly, you will get a red “X” by the missing information. You then correct the information and click “submit” again.
How can I search for a transaction or view a range of transactions?
You can conduct a search of transactions on all of your accounts, but are limited to your current statement cycle and previous statement cycle.
1. On the drop down menu “Transactions,” select the account you want to search.
2. You can use one of the date range options listed, or click “Search Transactions” to search by date, amount, and/or check number. You then have the option of sorting by the following fields: Date, Amount, Check number, and Credit/Debit.
3. Select what you would like to see: Credits and Debits (All transactions), Credits only, or Debits only.
4. Choose to view checks, electronic transactions, or check both.
5. Click “Submit” on the bottom of the page.
How do I set up a transfer or a recurring transfer between my accounts?
First, select the account that you would like to have the funds come out of. To the right that account on the main account listing page there is a drop-down menu. Select “Transfers.” On the right hand side of the next page, click on the down arrow next to “Add Transfers From,” and choose the account where you want the funds to come out of. Fill in the appropriate information on the next page. Click “submit” when all the information is entered.
How do I modify or delete a transfer or recurring transfer?
On the transfers page next to “View Transfers For”, choose the account that the transfer is set up for. The screen will show all transactions that are set up for scheduled transfers. Click on the appropriate area to view, edit or delete a transfer or transfers.
Make sure you confirm your change or changes.
**Please note that transfers made to a STRETCH or HOME EQUITY LINE OF CREDIT can ONLY be transferred from the checking account number that is tied to the STRETCH or HOME EQUITY LINE OF CREDIT. These payments will be considered payments over and above your regularly scheduled payments that are automatically taken from your checking account. Your regular payment(s) will still be taken from your checking account to satisfy the regular payment.
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