Q. What should I do if my Check Card/ATM Card is
lost or stolen?
A. Call your local branch immediately. The after hours hotline
is 1-800-500-1044. Note: A new card will
not be automatically ordered for you. You will need to request
a new card.
A. Yes, for an application, click on "Applications" or "Open
a New Account" from the home page. A signature is required
on this application. It must be printed and mailed in. Note:
When ordering Check/ATM cards online, you will not be able
to pick your PIN. Your PIN will be assigned.
A. Security Bank Online Banking allows customers convenient
access to their accounts via the Internet in a secured environment.
Any PC with Internet access can directly link you to your
Security Bank accounts.
Basic Online Banking and Bill Pay are FREE
Check balances
Make loan payments
View and print daily account activity and transaction history
View and print check and deposit slip images
Transfer funds between accounts
Reorder your checks online
Get the latest information on products and services
A. It's fast and easy. When you submit an Online Banking Enrollment Application, you have the choice of having your Online ID emailed to you or mailed to you via postal mail. Click here to enroll now or enroll any time
from the home page.
Q. What if not all my accounts appear on my account list?
A. If you are a primary or joint owner on an account, you can have the account added to your profile. If an account falls in this
category and is not shown on your listing, simply call the
Online Banking Department, Monday – Friday
from 9:00 am to 5:00 pm OR click on the email tab from your
Security Bank online screen to send a secure email request
OR fill out an Online Banking Maintenance Form and
request the account you wish to have added.
Q. What happens if I open a new account after I am already
signed up for Online Banking?
A. We will be glad to add your new account to your existing accounts. Call the Online
Banking Department, Monday –Friday
from 9:00 am to 5:00 pm OR click on the email tab from your
Security Bank online screen to send a secure email request
OR fill out an Online Banking Maintenance Form.
A. For security purposes, three consecutive invalid login attempts will lock you out of your online account. Please call the Online Banking Department Monday– Friday from 9:00 am to 5:00 pm to have your ID or Password reset or your account unlocked.
You can also use the Password Self Reset feature if you have already filled in the required information under the OPTIONS tab.
A. If you get an error message, please make note of the
message, the error number and the time. Send an email to customerservice@securitybank.net.
We will make every effort to resolve the issue as soon as
possible.
Q. What does it mean if I get a blank screen and cannot
login?
A. Security Bank Online requires 128-bit encryption (a high
level of coding for security purposes). If your computer
browser does not have this level of encryption, a blank screen
may be displayed. At the top of the screen you may see a
message displaying the need of 128-bit encryption and JavaScript.
If just the Online ID and Password fields go blank after you
have tried to login, you may need to enable your "cookies".
Q. How can I be sure my banking information is secure?
A. We have extremely high criteria for security of your
online banking information. A few of these are listed below:
Your banking information never travels the Internet without
encryption protection.
Your login sessions have a time-out limit and after the
limit is reached you are required to login again.
Password guessing is deterred and reported.
Our multifactor authentication solution will automatically monitor your accounts for log in activity that is "unusual" based on your history with our institution. In the rare event that unusual activity is detected, you will be automatically asked to verify your identity by answering pre-selected security or challenge questions that only you should know the answers.
If you would like to know more about what you can do to vigilantly protect your personal information and identity - please visit the Federal Trade Commission's identity theft website at www.consumer.gov/idtheft or the FDIC's Consumer Resources web page at www.fdic.gov/quicklinks/consumers.html.
A. If you are a current Security Bank Online Banking user,
simply submit an Online BillPay enrollment application from
our home page. If you are not currently enrolled for either
service, submit an Online Banking enrollment application
and apply for both at the same time.
Q. What are the types of payment, and when are transactions processed?
A. There are two types of payments – CHECK and ELECTRONIC. CHECKS are printed and mailed on the same day that they are processed. ELECTRONIC payment information is sent to the payees on the same day they are processed.
All payments are processed twice a day. The first processing begins at 3:00 a.m., and the 2nd processing begins at 1:00 p.m. Any payments entered after the 3:00 a.m. processing, and before the 1:00 p.m. processing will be processed the same day.
Q. How long does it take a payment to reach the payee?
A. For an ELECTRONIC PAYMENT, allow 3 to 4 business days (before the due date) from when the payment is submitted.
For a CHECK, we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 1:00 p.m. (This is the same as if you wrote the check out of your checkbook, and put it in the mail on the same day). Allow 5 to 7 business days (before the due date) for a check payment. (Just a note – we have no control over the U.S. Postal Service).
Helpful Hint: To see how BillPay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address and account number.
A. Bills do not get paid on holidays or weekends. If a SCHEDULED bill payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.
Q. How long do I have to add, delete, or edit a payment?
A. You can add, edit, or delete a payment up to 3:00 a.m. for the 1st processing, and up to 1:00 p.m. for the 2nd processing, on the day the payment is sent.
A. Currently, a recurring scheduled payment can be set up in advance for any date in the future. A one time payment can be set up to be sent 5 years in the future.
Q. Can an existing payee that is already set up be edited?
A. In some cases, an address can be edited, however for most the only thing that can be edited on an existing payee is the alias name on the account, and the account number.
If you want to change anything else, the payee must be deleted and re-entered.
A. Yes. After the check is printed and mailed, the payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.
Q. Can an electronic payment be deleted after it has processed?
A. No. Electronic payments cannot be deleted once they have processed. It will then be up to you to contact the payee for a refund, or ask the bank to submit a claim.
Q. When do funds for payments get taken out of my account?
A. For an ELECTRONIC PAYMENT, funds are taken out the same day that the payment is sent, if the payment is sent before 1:00 p.m. Electronic payments submitted after 1:00 p.m. are taken out the next day during bill pay processing. CHECK payment funds are taken out from the account when the check clears the account.
Q. Are bill pay checks drawn against my account, actually mailed to the payee?
A. Yes. All checks issued through Bill Pay are encoded just as if they were a check from your own checkbook. The signature line on the check is printed as `Authorized By Account Holder`.
Q. What will happen if I do not have sufficient funds for a payment?
A. CHECK payments are received just like a regular check. They are handled in the same manner as a check written out of your checkbook against an insufficient balance. Check payments are encoded with your account number and a 7-10 digit check number (once the payment has been processed, the check number can be obtained by going to your Bill Pay History).
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, then your account is debited for the payment, and the payment information is sent. If the funds are not available with the 3:00 a.m. processing, we will try again at the 1:00 p.m. processing. You will receive a message after processing informing you that the payment could not be processed due to insufficient funds. The payment will continue to be attempted until either you have the funds to let it go through or you delete the payment.
