Phone: (501) 376-0800

Online Banking

REAL-TIME Online Banking is Here!!!!

REAL-TIME is now available with Online Banking. This allows you the convenience of up-to-the-second account information, regardless of how may transaction you make in a day.

Summary

The Online Banking system is a secure online web site that allows users to manage their accounts online.

Before you can use Online Banking, you must ENROLL online and set up your accounts. Once you have enrolled, you will be notified by email when you can use your account.

Basic Online Banking Services included:

Commercial Online Banking Services

Collect Payment Originations

Real-Time Q&A

DEFINITIONS:

ACH: Automated Clearing House, an electronic payment or deposit.

Credit: An amount added to the account balance.

Debit: An amount subtracted from the account balance.

DC: Debit Card, relating to settled debit card entries.

Memo Post: A transaction that has not processed for the current business day.

PA: Pre-Authorized, relating to debit card entries.

Pending: A transaction that has not processed for the current business day.

POD Captured Item: A paper item, usually a check.

QUESTIONS & ANSWERS:

Q: Where can I find my most recent transactions?

A: Pending transactions can be found at the top of the Account Details page. Pending will precede the description of the transaction.

Q: Why is the date on the Account Summary page not the current date?

A: The "As Of" date on the Account Summary page will change to the current date ONCE you have visited the Account Detail page.

Q: Why does the description of pending transaction not reflect the identity of the company initiating the transaction?

A: Some transactions may have brief generic descriptions in pending status, such as automatic deposits-aka: ACH Deposits-will only display a description of ACH EOD Processing. The company name will appear the next day in hard post and on the statement.

Q: Why are there two transactions for my debit card purchases?

A: Debit Card transactions will reflect a PA(Pre-Authorization) or a DC(Debit Card) code in the description. PA transactions may not post in the same amount or at all--these transactions may stay in pending status for up to 10 days. DC transactions are settled transactions and will hard post to the account.

Q: When will Online Transfer funds be available?

A: Transfers made online will memo-post and will be made available immediately for cash or debit card purchases.