System and Web Browser Requirements for Web Banking

Question #1
What should I do to maintain the security of my personal and financial information?

Answer:
At Franklin Security Bank, we understand that security is one of our primary responsibilities. With this in mind, we have taken the necessary steps to provide our customers with state-of-the-art security for their Web Banking transactions. Our infrastructure, coupled with the security features built into your browser and operating system, can provide you with a secure environment — but only if you do your part. To help maintain the security of your accounts, follow these guidelines:

Maintain the security of your Sign-On ID and password.

Protect your computer from malicious programs and intruders by running an anti-virus utility and maintaining a firewall.

Make sure you have applied the latest security patches to your web browser and operating system, especially if you use Internet Explorer and Windows.

If you use Internet Explorer, consider using an alternative web browser, such as Netscape.

Protect yourself from e-mail fraud. [back to top]

Question #2
What hardware, software, and services do I need for Web Banking?

Answer:
In order to provide you with the maximum level of security, we require that you use a browser that supports 128-bit encryption. Browsers that fulfill this requirement include: Microsoft Internet Explorer – Version 5.0 or higher. Note that not all Version 5.x browsers come with support for 128-bit encryption. You may need to upgrade your browser to this level of encryption.

Netscape Navigator – Version 4.08 or higher, except for Navigator 6 (Navigator 6 is not compatible with the Web Banking service). Note that not all versions of Netscape come with support for 128-bit encryption. You may need to upgrade your browser to this level of encryption.

AOL – Version 4.0 or higher. Note that not all versions of AOL come with support for 128-bit encryption. You may need to upgrade your browser to this level of encryption. Upgrades for 128-bit encryption are available directly from Microsoft, Netscape and AOL via their respective web sites. [back to top]

Question #3
What is 128-bit encryption, and why do I need it?

Answer:
Encryption is the process of encoding a message so that only the sender and the recipient can tell what the message really says. A simple way to encrypt this sentence, for example, would be to substitute a number for each letter, according to the position of that letter in the alphabet: 1 for “a”, 2 for “b”, and so on. As you can imagine, this method of encryption could be easily decoded.

Franklin Security Bank uses a combination of security technologies to protect its customers, their transactions, and the Bank itself. Each customer is given a unique Sign-On ID and password that they must use in order to enter the Web Banking service. You, the customer, play a key role in maintaining security by ensuring that your Sign-On ID and password remain confidential at all times.

A Verisign™ Digital Certificate and your browser’s Secure Socket Layer (SSL) ensure 128-bit encryption of your banking transactions. Firewalls at each point of entry prevent intrusion into the Web Banking service.

The 128-bit encryption enforced by our Verisign™ Digital Certificate is the highest level of encryption currently available for public use in the United States. To guarantee that you get this level of protection, we require that you use a browser that supports 128-bit encryption with our Web Banking service. [back to top]

Question #4
How can I tell if my browser supports 128-bit encryption?

Answer:
If you are using Microsoft Internet Explorer, do the following:

Pull down your browser’s Help menu and select About Internet Explorer. A pop-up window will appear with information about Internet Explorer.

In that window, look for a line that begins with the words “Cipher Strength”. If the cipher strength is any less than 128-bit, then you must upgrade your browser in order to use Web Banking. You can go directly to Microsoft’s web site and obtain the upgrade by clicking on the words “Upgrade Information” that appear in parentheses next to the cipher strength.

If you are using Netscape Navigator, do the following:

Pull down your browser’s Help menu and select About Navigator. A page will appear with information about Netscape Navigator.

In the left-hand column, look for a line that states “Contains encryption software from RSA Data Security, Inc. Copyright © 1994 RSA Data Security, Inc. All Rights Reserved. Below that line, in bold you should find the following text: “This version supports U.S. security with RSA Public Key Cryptography, MD2, MD5, RC2-CBC, RC4, DES-CBC, DES-EDE3-CBC . ” If you find this exact text, then your browser supports 128-bit encryption. If this line of text begins: “This version supports international security…”, then your browser does not support 128-bit encryption, and you will need to upgrade your version of Navigator. You can get an upgrade from the Netscape web site. (Note: Do not attempt to use Netscape Navigator Version 6; it is not compatible with the Web Banking service.)

If you are using AOL, you will know that your browser does not support 128-bit encryption if you receive a 403 error when you try to use Web Banking. If you receive this error, go to Keyword: 128 browser. Follow the instructions for downloading and installing a browser that supports 128-bit encryption. [back to top]

How to Sign Up for Web Banking

Question #5
Is Web Banking just for personal accounts, or can businesses also use Web Banking?

Answer:
Web Banking is for anyone: individuals and businesses. We provide separate enrollment options for individuals and businesses.

Note that due to banking regulations, you cannot create a single enrollment that includes both business accounts — for which tax is reported under a Tax ID Number (TIN) — and personal accounts — for which tax is reported under your Social Security Number (SSN). [back to top]

Question #6
How do I get a Sign-On ID and password for Web Banking?

Answer:
In order get a Sign-On ID and password for Web Banking, you need to enroll your account(s) using our online enrollment form. To enroll, go to the Franklin Security Bank web site and do the following:

Click on the Enroll Online tab at the top of any page.

You will see links for Enroll a Person and Enroll a Business. Click on the link that applies to you and agree to the Terms and Conditions by clicking on the Agree button. This will take you to the appropriate online enrollment form.

Fill out the enrollment form and submit it.

Once we receive your enrollment, you will receive a confirmation email. Once your request has been approved, you will receive an email with your Sign-On ID. Your password will follow, via regular mail for your security. [back to top]

Question #7
How long does the enrollment process take?

Answer:
Once we confirm your enrollment, we typically send out your Sign-On ID and password no later than the next business day. [back to top]

Question #8
Can I choose my own Sign-On ID and password?

Answer:
Franklin Security Bank will determine your Sign-On ID. When we enroll your account(s), we will send you a temporary password. When you log in for the first time, the Web Banking service will require that you change your password. This means that everyone who uses Web Banking gets to choose their own password.

Passwords must contain letters and numbers, and must be between seven (7) and fifteen (15) characters long. Passwords are not case sensitive, so a password of “abc12zyx” is the same as “ABC123ZYX”. [back to top]

Question #9
What do I do if I forget my password?

Answer:
1) The Web Banking Sign-On page has a link for you to reset your password. Follow the on-screen instructions and answer the secret question which you provided at account opening and your password will be sent to you via e-mail.

2) If you continue to have trouble you may call Franklin Security Bank Online Support at 1.877.482.7300. Web Banking Support can be reached Monday through Friday from 8:30AM to 4:30PM. You must know your Sign-On ID in order for us to reset your password (if you have forgotten or lost your Sign-On ID, please refer to the next question). Please note that banking regulations do not allow us to send you a Sign-On ID or password via email, because email is not sufficiently secure for transmitting this information.

3) If you forget your password for your business accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator. [back to top]

Question #10
What do I do if I cannot find my Sign-On ID and password?

Answer:
If you forget your Sign-On ID for your personal accounts, or you forget both your Sign-On ID and your password, please call us at 1.877.482.7300 during normal business hours (Monday through Friday, 8:30AM to 4:30PM).

Second, you can re-enroll for web banking using our online enrollment form.

If you forget your Sign-On ID for your business accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator. If you are the System Administrator please refer to the personal account answer above. [back to top]

What You Can Do with Web Banking

Question #11
What functions are available online for my accounts?

Answer:
When you enroll your accounts for Web Banking, you will be given the following functions, based on the type of account:

Account type Online Functions

Checking Bill Payment, Inquiry, transfer, view checks

Statement Savings Inquiry, transfer (in or out)

Consumer Loan Inquiry, loan payment (Available only with Checking or Savings account)

Commercial Loan Inquiry, loan payment (Available only with Checking or Savings account)

Time Deposit (CD) Inquiry only (Available only with Checking or Savings Account) [back to top]

Question #12
I have both business accounts and personal accounts; can I transfer between them?

Answer:
If your business has its own tax ID number, (TIN), then you cannot transfer between your business and personal accounts. Banking regulations prevent the Bank from allowing this type of transaction. You can, however, use online bill payment to solve this problem. As a person, you can pay your business; and your business can pay you as a person. [back to top]

Question #13
Can other people access my financial information?

Answer:
We give you a Sign-On ID and password so that only you have access to your accounts through Web Banking. All banking information that is transferred to your computer is done so over a secure connection.

Keep in mind, however, that you yourself have a critical role in maintaining the privacy and security of your account. To help ensure the security of your financial information, follow these rules:

Do not give your Sign-On ID and password to anyone. If two or more people share a Sign-On ID and password, Franklin Security Bank has no way to tell which of those people actually performed a given transaction. You are responsible for any transaction performed using your Sign-On ID and password.

Do not leave your Sign-On ID and password out in the open where anyone passing by can see it.

Do not leave your computer unattended while you are logged in to Web Banking. If you leave your computer unattended while you are signed on, anyone passing by could use your computer to perform any of the transactions that you are authorized to perform.

Always sign off at the end of an Web Banking session. This will terminate your session, which will prevent someone from using your browser’s Back button to return to a session that has not yet timed out.

In general, use good judgment to ensure that your financial information remains secure. Franklin Security Bank is not responsible for nonpublic personal information or financial information that becomes public because you did not maintain the security of your Sign-On ID and password. Franklin Security Bank is also not responsible for financial loss that occurs because you did not maintain the security of your Sign-On ID and password. [back to top]

How to Access Your Bank Accounts Online

Question #14
How do I log in to Web Banking?

Answer:
To log in to Web Banking, do the following:

Click on the button labeled Sign-On. This will take you to the opening page of the Web Banking service.

Enter your Sign-On ID in the box next to the label Sign-On ID.

Press the tab key to move to the password field.

Enter your password in the box next to the label Password.

Click on the blue and white button that says Sign On.

Wait until the Web Banking service displays your account list.

If you have a problem logging in, refer to our Troubleshooting section located on the main menu. [back to top]

Question #15
Why is it so important for me to sign off from Web Banking?

Answer:
It is very important that you end each Web Banking session by signing off. To sign off, click on the Sign Off link on the top right hand side of any Web Banking page. This will end your Web Banking session.

Because of the way the Web works, signing off is the only way the Web Banking service knows that you have ended your session. If you leave Web Banking without signing off — by going directly to another web site, for example — the Web Banking service keeps your session alive for up to 20 minutes while it waits to see if there is something more you want to do. This is not good for two reasons: First, it is a security risk; if you leave your PC unattended during this time, someone could use your browser’s Back button to return to your active session. Second, if you try to sign on again before the Web Banking service has timed out your session, you will receive an error message. [back to top]

Question #16
Is Web Banking available all the time?

Answer:
Web Banking is generally available for 22 hours a day, seven days a week, 365 days a year. We perform system backups and maintenance between the hours of 2:00AM and 4:00AM each day. We occasionally have other scheduled maintenance periods; we will notify you of scheduled maintenance. During backups and maintenance, the Web Banking service is not available. The service may also be unavailable due to unscheduled maintenance or other technical problems, but we try our best to make these interruptions as infrequent as possible.

For a complete description of hours of operation and system availability, refer to the Online Agreement for Personal Accounts (for personal Web Banking) or the Online Agreement for Non-Personal Accounts (for business Web Banking). [back to top]

Question #17
Can I use my browser’s Back and Forward buttons to go from one Web Banking page to another?

Answer:
In general, you should never use your browser’s Back or Forward buttons to go from one Web Banking page to another. If you are doing a transaction — such as paying a bill, or transferring money — use the buttons at the bottom of the page to either complete the transaction or cancel it. Use the buttons at the top of a page to perform a function related to that page, such as Add Payee or List Payees. If you are viewing information and want to go to another page, use the links on the left-hand side of each page. [back to top]

Question #18
What account information can I see online?

Answer:
Web Banking shows you a list of your accounts, summary information about each account, a transaction register, lists of pending bill payments and transfers, and lists of your payees. Initially, Web Banking will display up to 90 days of history for your accounts. As you use Web Banking, your transaction history will accumulate. Web Banking stores over a year of transaction history by the time you have been using it for ten months.

Web Banking reports allow you to see summary and detail information about your accounts. You can assign transactions to categories that you define, and then report on transactions using those categories. [back to top]

Question #19
Do I have any control over the account detail that is displayed?

Answer:
The Options link on the top right-hand side of each Web Banking page allows you to set the number of lines displayed on each page of your Register, the default Register sort order, the Register background color, and whether to display each Register entry in 2-line format.

The Transaction Detail report allows you to select transactions by Account, Date Range, Category, or Preset Date Range. This report also allows you to specify the sort order for transactions. [back to top]

How to Pay Your Bills Using Web Banking

Question #20
Who can I pay with my online Bill Payment Checking Account?

Answer:
You may make bill payments through Franklin Security Bank’s Bill Pay service to any business, person or professional that has an address we can verify. Within Bill Pay, these are called “Payees”. Bill payments may be made only to Payees with a U. S. payment address. You may not make a payment of alimony, child support, taxes or other government fees or court directed payments or purchase securities using the Bill Pay service.

Bill payments will be sent to a Payee either electronically or by paper check depending on your choice. Paper checks are mailed to the Payee via the U.S. Postal Service if you chose paper check as the payment option. [back to top]

Question#21
Should I contact a company before sending my first online bill payment?

Answer:
It is a good idea to contact a company before you define that company as a payee. Some companies — including some credit card companies — require that you send a payment to a special address when you are using an online bill payment service. Some companies also require extra time to process a payment that is not accompanied by a portion of your statement. Be sure to ask the company:

“Is a special address required for checks issued from an online payment system, or should I use the address that is included with my invoice?” If a special address is required, then be sure to enter this special address as the payee address in the Web Banking service.

“Is any extra time required to process a payment that comes in without a portion of my statement? If so, how much extra time is required?” If extra time is required, then be sure to allow for that extra time when you make a payment using the Web Banking service.

One question the company may ask you in return is: “Will your account number appear on the check?” The answer to this question is: “Yes.” This assumes, of course, that you entered the correct account number when you defined the payee in the Web Banking service. [back to top]

Question #22
When I define a payee, the system makes me enter an account number. What if I want to pay someone, but I don’t have an account with them?

Answer:
You can pay a person or company even if you do not have an account with them. When you add new payees, you will probably find that the payees fall into one of two categories:

Companies with Whom You Have an Account

One of the required fields for a payee is the Account #. For companies like the phone company, or a utility, your bill shows your account number with that company. When you add a payee for the phone company, for example, you should put your phone company account number in the Account # field. This ensures that your phone company account number will appear on all checks to the phone company.

People or Companies With Whom You Do Not Have an Account

In some cases, you will want to pay someone, but you do not have an account with that person or company. In these cases, you will need to put something in the Account # field in order to tell the payee what the check is for. In situations like this, where you do not have an actual account with a payee, you can think of the Account # field as a “message” field. For example, you might enter the text “Rent – 1 Main St. Apt 12″ in the Account # field for a payment to your landlord. If you went for an eye examination and wanted to pay the doctor, you could enter “Eye Exam 1/31/2000″ in the Account # field.

Note that whatever you put in the Payee Account Number field will appear on the check. [back to top]

Question #23
What is the difference between a recurring payment and a one-time payment?

Answer:
Almost all your payments will be one-time payments. You should only use a recurring payment when you are paying someone the same amount every period. For example, you could set up your mortgage payment as a recurring payment, because the amount of the payment is the same every month. Other payments — like your phone bill or your gas bill — occur every month, but the amount you pay is different from one month to the next. These payments should be made each month as one-time payments. [back to top]

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