GENERAL
- If I have general Online Banking questions, whom should I contact?
- I want to sign up for Online Banking ... what do I have to do?
- Once I become an owner of a Depository Transaction Account, how long do I
have to wait to become eligible for Online Banking?
TECHNICAL INFORMATION
- What Web Browser should I use?
- How much encryption is required?
- Is it okay to have my Cookies disabled?
- Does Online Banking work on a Macintosh Computer?
- Do I have to clear (empty) my PC's cache after each Online Banking session?
LOGGING IN
- Can I change the User ID I have been assigned?
- What do I do if I've forgotten my Password for Online Banking?
LOGIN ERRORS
- 'Invalid PIN'
- 'This customer does not exist' or 'Customer ID does not exist'
- 'Access Denied'
BANK ACCOUNT / TRANSACTIONS
- Can I open an account on-line?
- Why can't I sign up for Online Banking? I have
a Farmers Loan Account.
- The drop-down menu for 'Transfer From Accounts'
doesn't list my Savings Account ... why can't I transfer money from
my Savings Account to my Checking Account?
- Why can't I see the OTMA (Trust) account that
I am the Custodian of?
TRANSACTION DETAIL TABLE
- When looking at my Checking Account ... what is the difference between the
transaction descriptions 'Cashed Check' and 'Check'?
- What is the $25 'Memo Debit' that was charged to my Checking Account?
- Why aren't my Savings Account transactions current? They seem to have
'stopped' displaying online.
- I made a Line of Credit payment from my Checking Account. Why hasn't the Due
Date changed to next month?
POSTING
- How often do you update the online transactions?
EXPORTING
- Can I download Online Banking information into Quicken or MS Money?
BILLPAY
- I signed up for Online Banking. After I select 'Transfers and Payments',
then follow the links leading me to the BillPay site, my Online Banking User ID and Password do
not work -- why?
- Why does CheckFree's Home Page offer FREE Bill Payment, yet Farmers charges
$6.00 for the Service when I access it through Online Banking?
GENERAL
If I have general Online Banking questions, whom should I contact?
Simply contact a Customer Representative at your local branch or Farmers' Electronic Banking
Department. Click HERE to display our Tri-county telephone
numbers. Selecting your desired branch link, will display branch information.
Farmers' Electronic Banking Department
E-mail: intsvc@fnbcanfield.com
Phone: Canfield, OH: 330-702-8430
Toll free: 1-888-988-3276
Business Hours:
Monday -Thursday, 8:30 AM to 4:30 PM
Friday, 8:30 AM - 6:00 PM
Dept. Closed Sat. & Sun.
Return to Questions
I want to sign up for Online Banking ... what do I have to do?
The quickest method of enrollment would be to visit any Farmers National Bank. Ask to
speak to a Customer Service Representative and request an Online Banking Enrollment form.
Our Representative will assist you in the completion of this half-page form and have you
activated within moments.
Enrollees must...
- Be 18 years of age to sign up individually.
- Minors must share account ownership with a legal parent or guardian.
- The Online Enrollment form must also bear the signature of the minor's
legal parent / guardian.
- Own a Depository Transaction Account at Farmers.
Depository Transaction Account -- defined:
- Checking Account that is not a Trust
or Wholesale Repurchase Funds
(funds which are automatically swept to and from another account);
- Savings Account that is not a Christmas Club.
If you are unable to visit a Farmers' branch, simply request that we send an Online
Banking Enrollment form via the U.S. Mail.
Contact us by:
- Calling and placing your request.
Click Here to display our Tri-county telephone
numbers. Selecting your desired branch link will display branch information.
Click Here to obtain contact information for Farmers Electronic Banking Dept.
- Completing the Online Request Form to receive an Online Banking Enrollment form by
mail. This request can be accessed from the bottom of our 'Login to Online Banking'
page. Simply click upon the link - 'Not currently a user? Sign up for Online Banking',
located below the login text boxes. Please provide your personal information and submit
your request - you will receive the appropriate documents by mail within a few days.
- E-mailing your request to the Electronic Banking Dept at
intsvc@fnbcanfield.com
Return to Questions
Once I become an owner of a Depository Transaction Account, how long do I
have to wait to become eligible for Online Banking?
There is 'no waiting period' - you may sign up for Online Banking the 'same day' your
account is opened. Please allow approximately 2-3 days for activation - your newly opened
account needs time to be processed.
Return to Questions
TECHNICAL INFORMATION
What Web Browser should I use?
Online Banking was designed to function best with Netscape Navigator 4.08 / Netscape
Communicator 4.7; as well as, Windows Internet Explorer 4.01 (Service Pack 1) and version 5.0
- To date, newer versions of these browsers have performed well.
- Users of the various browser competitors (AOL, CompuServe, etc.) have reportedŌ
successful access to Online Banking.
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How much encryption is required?
The Online Banking system requires a browser with a minimum of '40 bit' encryption capability.
Our Internet Cash Management for businesses requires 'High 128 bit' encryption. (encryption
capability - a.k.a., cipher strength)
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Is it okay to have my Cookies disabled?
In order to use Online Banking, 'Cookies' must be enabled for proper operation.
No information is transferred from your computer to ours; gathered during the normal
course of transactions; nor is passed on to any other individual or organization.
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Does Online Banking work on a Macintosh Computer?
Even though our banking software was written for IBM / PC compatible computers, a small
number of Mac Users have had success accessing Online Banking using the Netscape Navigator
browser version 4.7. To date, no favorable reports have been received regarding a Mac User
attempting to access Online Banking with the Windows Internet Explorer browser.
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Do I have to clear (empty) my PC's cache after each Online Banking session?
Clearing your cache is advisable; although, it is solely your choice. When a Web page
contains sensitive information; such as your financial transactions, you may not wish
to keep stored copies around. If you choose 'not' to empty your cache, another person
could view your account information simply by viewing the cached pages on your computer --
even after you have disconnected from the Online Banking system.
Fortunately, it's easy to empty your browser's cache memory. Access your browser's Help
Menu to assist you in emptying your cache memory and / or disk cache.
Return to Questions
LOGGING IN
Can I change the User ID I have been assigned?
Online Banking does not provide the opportunity to change your User ID. To address security
safeguards, User IDs must remain unique for all online patrons. The combination of your
User ID and Password will 'unlock' your financial information.
Return to Questions
What do I do if I've forgotten my Password for Online Banking?
We do not retain Customer Passwords on file at Farmers. Passwords may only be re-set by
telephone or during a personal visit to a branch office. Simply speak to a Customer
Representative at your local branch or call Farmers' Electronic Banking Department.
Please be prepared to provide information to confirm your identity for security
purposes.
Branch Telephone Numbers
Click Here to display our Tri-county telephone
numbers. Selecting your desired branch link will display branch information.
Farmers Electronic Banking Dept.
Click Here to obtain contact information for Farmers Electronic Banking Dept.
Return to Questions
LOGIN ERRORS
'Invalid PIN'
An invalid PIN means one of two things occurred:
- Passwords are 'Case Sensitive' -- characters may have been keyed in a type-case
'different' from those specified when you created your unique Password.
- An incorrect Password was entered.
* The 'Caps Lock' key is often the culprit when keying characters in an incorrect type case.
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'This customer does not exist' or 'Customer ID does not exist'
You may be entering an incorrect User ID or inserting spaces or dashes (which are not accepted)
within your User ID.
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'Access Denied'
Upon receiving this error, you are 'locked out' of the Online Banking system due to excessive,
unsuccessful login attempts. . Passwords may only be re-set by telephone or during a personal
visit to a branch office. Simply speak to a Customer Representative at your local branch or
call Farmers Electronic Banking Department. Please be prepared to provide information to
confirm your identity for security purposes.
Branch Telephone Numbers
Click Here to display our Tri-county telephone
numbers. Selecting your desired branch link will display branch information.
Farmers Electronic Banking Dept.
Click Here to obtain contact information for Farmers Electronic Banking Dept.
Return to Questions
BANK ACCOUNT / TRANSACTIONS
Can I open an account on-line?
A New Deposit Account must be opened with a Customer Service Representative.
To expedite the process, you may wish to print and complete your desired
Deposit Account Application before your visit. After reading the following
information, Click Here to access the
¹Apply Online÷ page.
- You must have Adobe Acrobat and/or the Acrobat Plug-In to download Farmers÷ Account forms.
If you do not possess this software, please visit the Adobe Website at
www.adobe.com
Present your completed application, proof of identification and funds to be deposited to
a Customer Service Representative at the Farmers location nearest you.
- Loan Applications cannot be received online; however, you can e-mail a request
that a Loan Application be sent to you by submitting the Loan Application request linked
to the ¹Apply Online÷ Web Page.
Return to Questions
Why can't I sign up for Online Banking? I have a Farmers Loan
Account.
One of the primary criteria to be eligible for Online Banking is that a User must
possess a Depository Transaction Account -- owning a sole Loan Account does not qualify
for Online Access.
Depository Transaction Account -- defined:
- Checking Account that is not a Trust or Wholesale Repurchase Funds
(funds which are automatically swept to and from another account);
- Savings Account that is not a Christmas Club.
Once your Transaction Account is uploaded to Online Banking, your Loan Account will
also be available for viewing.
Return to Questions
The drop-down menu for 'Transfer From Accounts' doesn't list my Savings Account ...
why can't I transfer money from my Savings Account to my Checking Account?
Per Federal Law, Passbook Savings Accounts are not permitted to be involved in
electronic transactions.
Please stop in your local branch and submit a request to change the 'Account Type'
from Passbook Savings to Statement Savings. You will have full Online Access, including
the capability to transfer funds to and from your Savings Account; as well as, the ability
to make Farmers Loan Payments.
NOTE: Please allow approximately 2-3 days for processing.
Return to Questions
Why can't I see the OTMA (Trust) account that I am the Custodian of?
Trust Accounts are not uploaded to the Internet, nor available via Telephone Banking.
In the case of an OTMA (Ohio Transfer to Minors Act) -- this restriction is for the
protection of the account from the minor.
Return to Questions
TRANSACTION DETAIL TABLE
When looking at my Checking Account ... what is the difference between the
transaction descriptions 'Cashed Check' and 'Check'?
The description 'Cashed Check' refers to a check which was cashed at Farmers National
Bank -- 'Check' refers to one which was cashed at a Financial Institution other than
Farmers.
Return to Questions
What is the $25 Memo Debit that was charged to my Checking
Account?
One possibility may be: An item (Check, Debit Card Purchase, etc.) tried to clear in
your account for an amount greater than your available balance. The result is a Memo
Debit of $25 for an NSF Charge. Please contact our Bookkeeping Dept. for assistance --
Toll free 866-857-5995.
Return to Questions
Why aren't my Savings Account transactions current? They seem to have 'stopped'
displaying online.
At some point in time, the Savings Account reached a 'Zero Balance', which automatically
changed its status to 'Closed'. Online information is not available for accounts having a
'Closed' status.
After depositing funds to re-open the account, contact Farmers÷ Electronic Banking Dept.
and request that your account information become available online.
Farmers Electronic Banking Dept.
Click Here to obtain contact information for Farmers Electronic Banking Dept.
Return to Questions
I made a Line of Credit payment from my Checking Account. Why hasn't the Due
Date changed to next month?
Lines of Credit are unique in structure and information posting. Because
of this structure, they do not update in the same manner as a standard
Installment Loan. When viewing ¹this type÷ of account; recent payments
'will not' immediately affect two table entries 'Current Amount Due'
and 'Date Next Payment is Due'. Rest assuredSthese table entries will
be updated, providing ample time to create your next payment well before
the due date.
Line of Credit -- also known as: Instaline; Over Draft Protection; or Open End Line
of Credit (OEL)
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POSTING
How often do you update the online transactions?
The processing cutoff for Online Banking is at 6 PM. Online information is updated
every evening for that Business Day. After 6 PM, Online transactions are combined
with all other types of transactions and made available for online viewing shortly
after midnight.
Business Day: any day the Federal Reserve Bank is open
(The FRB is closed on weekends and Federal Holidays)
The following examples do not address 'Future Dated' or 'Recurring' transactions,
which involve using the 'Scheduling Options' available in Online Banking.
Examples:
- If you create an Online transaction at 3:30 PM on a Friday, it would be
posted by 6 PM and viewable 12 AM Saturday morning.
- If you create an Online transaction at 7:00 PM on a Friday; it would not
get posted until 6 PM Monday evening and viewable 12 AM Tuesday morning.
Return to Questions
EXPORTING
Can I download Online Banking information into Quicken or MS Money?
Online Banking enables you to download your account data in Quicken Interchange Format
(.QIF), QuickBooks Interchange Format (.IIF), and Comma Separate Values (.CSV) files.
These file types are industry standards for transaction information exchange.
Once established on the Account Summary page of our Online Banking suite, click upon
your desired Deposit Account link to view its ¹Account Detail÷. To the right of the
Account Detail screen, choose the Export File command. Next, choose the 'context
sensitive' Help program from the main toolbar. Online Banking will bring you directly
to your desired topic... Exporting Files. Please print this page or take note of the
highlights.
Following the Help topic steps: After choosing the "Download File" control button,
you will need to decide whether you want to 'Open' or 'Save' the file. If you choose
the "Open it" option, your default PFM (Personal Financial Management) software should
open automatically. Should you choose to save the file to your hard drive, you may have
to make the choice of a filename and destination directory (folder).
* MS Money MAY give you a 'default filename and directory' ... if they are acceptable
to you, simply choose "Save" in the 'Save As' dialog box.
Return to Questions
BILLPAY
I signed up for Online Banking. After I select 'Transfers and
Payments', then follow the links leading me to the BillPay site, my
Online Banking User ID and Password do not work -- why?
Even though our customers access CheckFree's Web BillPay Service from
within Farmers Online Banking, BillPay is an independent program, which
requires separate enrollment. Upon Service activation, a unique User
ID and Password will be established with CheckFree.
Accessing Web BillPay's online enrollment
- From the Account Summary page (default page) in Online Banking, select the
'Transfers and Payments' toolbutton.
- To the far right, choose the 'Pay Bills' option.
- Select the center-page link 'Go to Pay Bills Site'.
- CheckFree's Welcome/Login page contains a link within the statement...
'If you are not currently enrolled in CheckFree WebPay, please complete an
enrollment form'.
Click upon the 'enrollment' link to begin the Web BillPay enrollment process.
- Follow the guiding prompts to complete the enrollment process -- upon
CheckFree acceptance; subscribers may immediately begin setting up Payees and
making payments.
* Acceptance or denial will occur during the online enrollment session
-- per CheckFree.
Return to Questions
Why does CheckFree's Home Page offer FREE Bill Payment, yet Farmers charges
$6.00 for the Service when I access it through Online Banking?
CheckFree's Home Page offering is different from the BillPay Service accessed from within Online Banking.
Customers signing up for CheckFree's Free Service are only permitted to create payments' destine for
companies listed in the Service's 'Payee List.' The Payee List consists of company names which 'participate'
with CheckFree (bound by contract). Participating companies provide 'E-Bills', through CheckFree, to their
customers -- 'paper bills' are not mailed.
CheckFree does offer a 'Pay Anyone' program for $12.95 per month.
'Pay Anyone' defined: Service subscribers can pay whomever they want . . . whether it's a local utility, paper boy,
or their child's allowance while away at school. The Payee (receiver) does not have to be in
the CheckFree's list of 'Participating Companies'.
Farmers has a special contract with CheckFree, which enables our patrons to access the Pay Anyone Service for
$6.00 per month -- barring any promotional trial periods.
Important FYI's:
- CheckFree's Home Page and Login Page are 'totally different' from CheckFree pages accessed from within
Farmers Online Banking product.
- A customer which has subscribed and is currently accessing the BillPay Service from within Farmers Online
Banking 'may not use' their User ID and Password to access Farmers÷ Pay Anyone Program
through CheckFree's independent site.
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