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- Who do I talk to about online banking?
- Is banking online safe?
- How do I begin to bank online?
- How long can I stay online?
- Do I have to enter the PSB NetTeller ID and Password
each time I log on?
- Can I change the PSB NetTeller ID?
- What if I forget my PSB NetTeller ID and/or Password?
- I’m locked out. Why?
- How do I get my account unlocked?
- Not all of my accounts are showing. How do I
add or remove an account from my online banking account?
- What does “current balance” mean?
- What does “available balance” mean?
- How do I sort the check numbers when viewing
my current transactions or a range of transactions?
- How much does a stop payment cost online?
- Can I place a stop payment on an ACH Debit?
- Can I edit or delete a stop payment online?
- How do I exit Home Bank?
- What is the "Message Center" button
for?
- I tried logging on and received a very large
error number. What does it mean?
- What is the cut-off time for transfer funds,
making a loan payment or placing a stop payment?
- Can I delete a pending transfer?
- Can I transfer funds to make a loan payment?
- There is a transfer pending transfer list. What
is it? Can I edit or delete it?
- How can I start paying bills online?
- How much does Bill Pay cost?
- Will my payments be paid by check?
- What is an electronic payment?
- When will the funds be deducted from my account?
- Can I pay bills out of my Savings Account?
- Where do I find the check number for a check payment?
- How much time should I allow for a check payment
to reach a payee?
- How much time should I allow for an electronic
transfer to reach a payee?
- When are payments processed?
- A Bill Pay check is lost in the mail. What steps
do I need to take?
- An electronic payment did not post to the payee
account. What steps do I need to follow?
- What does it mean by “Payee Alias”?
- Must I always enter an “Account Number”
when setting up a payee?
- What format should I use when setting up a payee
zip and phone number?
- How do I set up a payee for electronic funds
transfer?
- How do I set up a payee to receive a check payment?
- Can I edit a payee?
- Can I delete a payee?
- Can I pay bills out of more then one account?
What is the cost?
- Can I make a payment one time, monthly, weekly,
etc.?
- What is meant by “variable payment”?
- What is meant by “Force payment on the
last day of the month”?
- What is “Expiration Date”when selecting
a payment option other then one time only?
- What does “Start Date” mean?
- What goes in “Payment Description”
and does it print on the check?
- What information will be printed on a check
payment?
- Will I get my bill pay checks back in my statement?
- What does the “Memo” mean?
- What is Cash Management and who can use it?
- What is eStatement delivery?
- What is a PDF?
- What types of accounts are available for eStatement delivery?
- How much does eStatement delivery cost?
- Will my eStatement look the same as my regular printed statements?
- Will my eStatement include check images?
- How will I know when my eStatement is available for viewing?
- What Web browsers can I use to access eStatements?
- Can I enroll more than one account?
- How do I print my eStatement?
- How do I save my eStatement to my computer?
- How long will my eStatements be available?
- How can I update my password and email address?
- Are my eStatements secure?
- Do I need Online Banking to view eStatements?
- How do I sign up for eStatements?
- When will I receive my eStatement?
- You can stop by any branch and speak to a
Customer Service Representative or you can call 1-800-897-7499
or 318-256-1248 or e-mail onlinesupport@peoplesstate.com
- Yes! Your browser is required to have 128-bit
encryption for Online Banking and Bill Payment. Here’s how
encryption works: before your data is transmitted it is broken
up into packets, much like sealing data envelopes. Encryption
scrambles and encodes these packets using a key that only the
PSB computer and your browser know.
- You must first complete an application. An
application can be completed and signed at any Peoples State Bank
Branch location. Once the Online Banking Representative receives
the completed application a “Peoples State Bank Welcome
Letter” will be mailed. The letter provides the required
information to get you started banking online.
- PSB Online Banking uses a timed log-off after
five (5) minutes of inactivity.
- Yes, this ensures that someone can’t
just go to your computer and access your account. Be sure to keep
your PSB NetTeller ID and Password safe and secure and never give
them out to anyone.
- Yes! After logging into the Home Page, at
the top of the page, you will see three choices: “Accounts
Bills NetTeller Settings”. Click on “NetTeller Settings”.
Once on this page, you will see the “Personal NetTeller
Settings”. The second option will be “Personal ID”.
This is where you can change the NetTeller ID. The ID must start
with a letter and the length may range between 1 to 12 letters
or a combination of both letters and numbers. (Examples: “psb
acct” or “play money 2”) The next time that
you log on, enter the new Personal ID in place of the PSB NetTeller
ID and then enter your PSB NetTeller Password.
- Please contact an Online Banking Representative
at (318) 256-1248 or (800) 897-7499 to obtain your PSB NetTeller
ID and/or Password. Peoples State Bank does not e-mail confidential
information and requests that you do not e-mail information such
as account numbers and Social Security Numbers. The ID and Password
can only be given out once identification has been verified.
- Being locked out occurs when three unsuccessful
attempts were made to log on. On the third unsuccessful login
attempt, you will be notified that the account is locked. The
most common reason for accounts being locked is due to the PSB
Password being case sensitive. When the system requires you to
change your Password, please check to confirm if the Caps Lock
Key is on or off. If you entered your Password with the Caps Lock
Key on, you will be required to enter the Password each time with
the Caps Lock Key on. The same applies if you enter to Password
with the Caps Lock Key off. Peoples State Bank does recommend
that you use a combination of both letters and numbers when setting
up your PSB NetTeller Password.
- Once your account has become locked, you
must call (318) 256-1248 or (800) 897-7499 and request that the
account be unlocked. After identification is verified, a new four
digit Password will be assigned for a one time log in only. The
system will prompt you to change the four digit temporary password
to a new Password that must be 6 to 8 characters in length. The
new password must contain a combination of both letters and numbers.
Please keep in mind that the Password is case sensitive.
- When you open or close an account, it is
NOT automatically added or deleted from your Peoples State Bank
Online Banking Account. You may add or delete an account by asking
any Peoples State Bank Employee to submit a request to the Online
Banking Representative, or call (318) 256-1248 or (800) 897-7499.
You may also submit a request through our Online Message Center.
You can access this from the Online Banking Home Page by clicking
“Message Center” at the top mid part of the page.
You will then click on “Add Message” on the right
side of the page. A new window will pop up and this is where you
will submit your Secure Message. You may include any information
in this message as it is a secure means of communication with
the bank. You will receive a message back when the account has
been added or deleted, as requested. Please do NOT
e-mail any confidential information, such as account number(s)
or Social Security Number from an outside e-mail source.
- Current balance refers to the actual balance
on your account. The current balance does not include Bounce Protection
or Overdraft Protection.
- Available Balance refers to your current
balance plus any Bounce or Overdraft Protection that applies to
your account.
- To sort Check Numbers, Dates, Credit or
Debit Items when viewing current transactions or a range of transactions,
click once on the header above the column to sort in ascending
order and clicking again will sort the column in descending order.
- A stop payment placed online cost $10.00.
A stop payment made at the branch will cost $25.00.
- In order to place a Stop Payment on an ACH
Debit, the bank must receive the Stop Payment request at least
3 business days before the payment is scheduled to be deducted
from the account. An ACH will not have a check number so the Stop
Payment will stop any transaction for the amount entered. Be sure
that you enter the name of the Payee and the reason for the Stop
Payment.
- No. To have a Stop Payment changed or deleted,
you will have to contact Peoples State Bank Customer Service at
(318) 256-4350 or (800) 988-8516 or the Online Banking Representative
at (318) 256-1248 or (800) 897-7499.
- To exit Home Bank, click on “Log Out”
at the top right of your screen. This will log you out of the
current session.
- The Message Center allows you to send a
secure message to the Online Banking Representative. In this message
you can include you account number(s) and any other confidential
information. You may also contact the Online Banking Representative
by emailing onlinesupport@peoplesstate.com.
However, do NOT e-mail any confidential
information such as account number(s) or Social Security numbers
as e-mail is not a secure means of communication.
- Large error messages are most commonly a
result of slow Internet connections. Try re-booting your PC. However,
if the problem persist, please be sure to call the Online Banking
Representative at (318) 256-1248 or (800) 897-7499.
- The cut off time for transfers, making a
loan payment or placing a stop payment for the current day’s
activity is 6:00 PM. Transfers, payments, and stop payments placed
after 6:00 PM will be on the next day’s business.
- A transfer placed online may be deleted
prior to 6:00 PM the day the scheduled transfer is to take place.
- Yes, a transfer from checking or savings
may be made to pay a loan payment between Peoples State Bank accounts.
- There may be two different kinds of transfers
in the “Pending Transfer List”. One is a transfer
that is set up using Home Bank and may be edited or deleted. Another
kind of transfer is called an AFT (Automatic Funds Transfer).
An AFT is an agreement you have with Peoples State Bank to transfer
funds from one account to another or to make a loan payment and
cannot be edited or deleted online. If you wish to make changes
to an AFT, please contact a Peoples State Bank Loan Officer or
a New Accounts Representative.
- You must choose the Bill Pay Option on the
Online Banking Application. If you are an existing Online Banking
Customer wishing to add Bill Pay, you may do so one of two ways:
a) Speak with a Customer Service Representative at any of our
Peoples State Bank branches or b) You may fill out a new Online
Banking Application online at www.peoplesstate.com,
making sure to chose “Yes, I would like to enroll in the
Bill Pay Option” on the application. Once you have done
so, you will receive a message on the Message Center stating that
Bill Pay has been added to your Online Banking Account. If you
need any help in setting up Bill Pay, please call our Online Banking
Representative at (318) 256-1248 or (800) 897-7499.
- Bill Pay is FREE to individuals and small
business owners upon request.
- Peoples State Bank’s Bill Payment allows
the customer to pay bills by check or electronic funds transfer.
The system allows all payments to be paid by check but if a payee
is in the electronic database, the payee may be set up to receive
an electronic payment.
- An Electronic payment is one that transfers
funds directly out of your checking account and sends the funds
to the payee’s account. The payee must be listed in the
Bill Payment Electronic Payee List before being set up to receive
an electronic payment. If the payee is not listed in the electronic
database, the payment must go as a check payment.
- If a payee is set up to receive an electronic
payment, the funds are deducted on the scheduled payment date.
Once a payee receives and cashes a bill payment check, the check
goes through the normal check cashing process and the funds are
deducted from your accounts only when it is presented to Peoples
State Bank for payment.
- No. Only checking accounts are eligible for
bill payment.
- Once a payment has been submitted and processed,
the check number may be found by viewing payment history. Processing
time is 12:00 noon Monday through Friday except for Holidays.
The check number is available in the payment history around 2:00
PM the day it is processed.
- Please allow seven (7) to ten (10) business
days for check payments to be received by the payee and deducted
from your account.
- Please allow three (3) to five (5) business
days for electronic payments to be received by the payee and deducted
from your account.
- Bill Payments are processed at 2:00 am and
12:00 noon Monday-Friday, except for Holidays.
- If a bill pay check is lost in the mail,
a stop payment should be placed on the check and the payee address
should be verified before sending another payment. If the address
is incorrect, delete the payee and reestablish the payee with
the correct address.
- If an electronic payment failed to post
to a payee’s account within three (3) to five (5) business
days, please contact Online Banking at (318) 256-1248 or (800)
897-7499. The Online Banking Representative will research and
resolve the issue within five business days.
- To distinguish between different accounts
with the same payee, a more descriptive name may be assigned to
the Payee Alias. An example: Two accounts with Electric Company
can be distinguished by changing the Payee Alias to “Electric
Home” and “Electric Business”. When viewing
the payee list the names of “Electric Home” and “Electric
Business” will be displayed. Since the Payee name was not
changed only the Payee Alias, Electric Company will still print
on the checks. The Payee Alias is only for the purpose of distinguishing
different accounts with the same payee.
- Yes. However, if an account number is not
available, please enter N/A.
- For zip please use the format #####-####
and for phone number (###)###-####.
- To set up a payee to receive an electronic
funds transfer click on “Add Payee” under the Bill
Payment header in the upper right hand corner of the screen. You
will then to enter the payee’s name and state that the payment
goes to. The next screen will show a list of different accounts,
if that payee is set up to accept electronic payments. Scroll
through the list until you find the correct name and address for
your payee. Once you find the payee, click on the name on the
left. If your payee is not listed, you will have to pay that payee
with a check payment. You will click where it says “None
of the results are my payee”. If the payee is not found
in our electronic database, you will be taken directly to the
check payment screen.
- To set up a payee to receive a check payment
click on “add payee” under the Bill Payment header
in the upper right hand corner of the screen. Complete all information
for the payee and click on “Add Payee”. The Payee
List will then be displayed along with the new payee
- Yes. A payee may be edited by selecting
the “payee list” under the Bill Payment header in
the upper right hand corner of the screen. Locate the payee from
the list and click on the under the “Edit” header.
The Payee Alias and Account Number are the only fields that may
be edited. If an address correction is needed, delete and reestablish
the payee with the correct information. Deleting the Payee does
not delete any payment history.
- Yes. A payee may be deleted by selecting
the “payee list” under the Bill Payment header in
the upper right hand corner of the screen. Locate the payee from
the list and click on the under the “Delete” header.
The Delete Payee screen is then displayed and requires you to
click on the “Delete Payee” button. Deleting the Payee
does not delete any payment history.
- Yes. You may pay bills out any or all accounts
listed under your Peoples Teller ID at no additional cost.
- Peoples State Bank’s Bill Payment
allows the user to schedule payments. They can be scheduled as
a
- One-Time
- Weekly
- Bi-Weekly
- Monthly
- Semi-Monthly
- Quarterly
- Annually
- Semi-Annually
- The Variable Payment option is for re-occurring
payments that change with each payment. By selecting the Variable
Payment option when setting up the payment, allows the payment
to be paid the first time the amount entered but once paid the
amount changes to zero ($0.00) and will not process until it is
edited with the next payment amount. To edit the variable payment,
select the “view schedule payment” under the Bill
Payment header in the upper right hand corner of the screen. Locate
the payment and click on or click on the edit box located to the
right of the payment under the header Quick Edit and then click
on the Quick Edit button . Enter the new amount and click on button.
- Because of the number of days in a month
and the last day of the month may fall on a weekend or holiday,
the option for “force payment on last day of the month”
will process the payment on the last business day of each month.
- The Expiration Date tells the system when
to stop making a reoccurring payment. The date may be the last
payment date or just a future date that you assign. The payment
will not process past the expiration date.
- Start Date is the date you wish a payment
to start paying when selecting a reoccurring payment option. Each
month the payment will be processed on that date. If the date
falls on a weekend or holiday, the payment will be processed on
the business day prior to the date.
- The “Payment Description” field
purpose is strictly for the user to enter information about the
payment. The information entered does not print on any checks.
The Payment Description is information that is recorded in the
“view payment history” option.
- The following information is printed on bill
payment checks:
- Customer Name
- Address
- Payee Name
- Account Number with the Payee
- Memo
- Amount of Check
- Date of Check
- Peoples State Bank’s Name and Address
- Check Number
- Reference Number
- Peoples State Bank’s Routing Number & Customers
Account Number
- The statement “Signature on file” over the
signature line
- If you normally receive check images in your
bank statement, you will receive images of the bill payments checks.
- When submitting a payment, the memo field
option allows the user to enter information that will print on
the check. Please keep in mind that the account number will print
on the check and the memo field is for any additional information.
- Cash Management extends the bank into the
office of businesses that want and need access and control. Our
complete reporting service gives you access to the financial information
you need to manage your company’s cash. The system allows
you to do the following:
- Provide transaction history and paid items
- Transfer funds
- Generate electronic tax payments and other automated files
- Direct deposit of payroll
- Account to account transfers
- Cash concentration
- Wire transfers
- ACH originations
- ACH file uploads
- Float reporting
- Balance reporting
- View check images
Commercial customers, please contact an Online Banking Representative
at 800-897-7499 to see if this service is right for you.
- eStatement delivery is the electronic PDF delivery of your account statement that you can view, download, save or print at your convenience.
- Adobe Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved or printed by using Adobe Acrobat Reader software. The basic Adobe Acrobat Reader software is available for free download directly from Adobe at http://www.adobe.com/products/acrobat/readstep2.html
- All personal and business checking and savings accounts may be enrolled in eStatement delivery.
- eStatement delivery service is free.
- Yes. You will see a sample statement when you enroll.
- Yes, if your current printed statement includes images.
- Each month we will send you an email notification advising you that your current eStatement is available.
- You can use Microsoft Internet Explorer 6.0 or higher, Netscape Navigator/Communicator 6.0 or higher, or AOL version 6.0 or higher.
- Yes. All of your personal and business checking and savings accounts can be enrolled during your initial enrollment or at a later date.
- You can print your eStatement using the printer icon when your statement is displayed in the Adobe Acrobat Reader.
- Once you have opened your eStatement, you can save it by selecting File
 Save As in the Adobe Acrobat Reader software. Select a name that will help you remember which statement the file contains (e.g. CheckingApril2007.pdf)
- We will store your account statements for 3 months starting from your enrollment date.
- After signing into your Online Account, you will click on NetTeller Settings. You will enter your current password and then you can create a new one. There is also a place for you to update your e-mail address and change your Personal ID as well. You may periodically be asked to verify your e-mail address when you sign in to your online banking account.
- Yes. Peoples State Bank uses standard 128-bit SSL encryption to safeguard your eStatements. eStatement e-mail attachments are empty before you enter your Online Banking ID and password.
- Yes. While eStatements are sent in a separate notification, you must have an Online Banking username and password to access your eStatements. This is another way we keep your information secure.
- If you are a current Online Banking Customer then follow the instructions in the eStatement Enrollment Guide. If you do not currently have Online Banking, please sign up for Online Banking here so that you can start receiving eStatements as soon as possible.
- Your eStatement notification will be sent to you via e-mail the same day that your paper statement would normally be prepared for mailing. By accepting eStatements, you could see your account statement up to 3 days faster.
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