Online Banking FAQs
Bank of Milton researched the best way to offer you the convenience of Internet Banking while ensuring the integrity of your sensitive information. Our Internet Banking program is housed on secure, state-of-the-art servers, and all banking activity takes place behind multiple levels of protection from outside intrusion or interference. Plus, all transmission of data is protected by 128-bit encryption, the highest form available.
We want you to feel secure in your relationship with us, whether you’re in our lobby or on our web site. Policies, procedures, security and privacy training, and alert employees protect you in our lobby. We’ve taken this same level of commitment to our presence on the web.
What is Internet Banking?
Internet Banking gives you up-to-date account information anytime and anywhere you have Internet access, so you can check balances and transfer funds, 24 hours a day, 7 days a week.
How much does Bank of Milton's Internet Banking cost?
There is no charge for accessing your account information and making account transfers.
How do I enroll in Internet Banking?
Simply go to our website,
www.bankofmilton.com, under the on-line banking tab-select “Enroll Now”. At this screen you will fill in the Type of Account, Account Number, Social Security Number, Email Address and confirm your email address and then click “ENROLL”. Set up your own User ID and Password.
What kind of features will the Bank of Milton's Internet Banking product offer?
Bank when you want, where you want, and how you want. Internet Banking offers the convenience of banking 24-hours a day, 7 days a week from your phone, home or office PC. Our online features and functions include:
- View detailed information about your accounts including account balances and history
- Transfer money from a Bank of Milton Checking or Savings account to a Bank of Milton Checking, Savings, Safe Deposit or Loan account.
- Download history to third-party software such as Quicken or Money
- Change information such as address, phone number, email address, etc.
- Request a stop payment
- Statement retrieval and printing capabilities
- Set up reminder messages
- Request an Alert message such as Bank Statement availability
- Set up CardValet on our mobile app to help reduce chance of fraud and shut off card when lost.
- Request an Alert message be sent when your account reaches a certain balance.
How soon can I start using the Internet Banking Product?
Immediately
Where can I see a demonstration of Bank of Milton's Internet Banking product?
To view a demo of Bank of Milton’s Internet Banking, go to our Login page and click on Demo.
What happens when I forget my password or get an “ERROR: Login Failed" message?
Users have 3 tries to login before their password is locked out. After 3 tries, the customer will need to call the bank to have their login cleared or password reset.
How long will I be able to see account information and statements?
Up to 3 months of information for your Bank of Milton mortgage loan, installment loan, or commercial loan accounts. Checking and savings account information includes activity appearing on your last mailed statement plus any current activity. Account statements are available from one month prior to when you enrolled. A pull-down feature gives you the option to select the statement you wish to view. A year’s worth of statements will be available to you through internet banking after you have been enrolled for a year.
Can I use my browser's Back or Refresh buttons?
Please use the navigation provided within Bank of Milton’s Internet Banking product to navigate between accounts and pages. Using the Back or Refresh buttons may cause errors to occur during your banking session.
Checking for Security:
To determine the security of a Web page, click inside the page with the right mouse button, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box.
Do I have to open a new or special account to use Internet Banking?
No. As long as you have a Bank of Milton deposit account and have Internet access, you may use Internet Banking.
Can I change my password?
You will use your original password to login the first time. Then, it will prompt you to change your password. You can change your password as often as you like. For improved security of your password, please use random words and numbers. Bank of Milton’s Internet Banking requires your password to be at least six characters long and to contain at least one alpha and one numeric/special character. Never use easy to guess passwords such as a simple series of numbers, a child’s name, a birth date, etc. Always remember to keep the original password in a secure place. If you for some reason forget your password, we can reset it to your original password. Click on Services>Change Password.
- Enter your old password in the Old Password field.
- Enter your new password in the New Password field.
- Re-enter your new password in the Confirm New Password field.
- Click the ‘Submit’ button to save these changes
Notes: Asterisks appear when entering the password for added security
Password must be at least six characters long and must contain at least one alpha and one numeric or special character.
Password is case sensitive.
Are there any times when Internet Banking services may not be available?
The Bank of Milton Internet Banking product is scheduled to receive regular system maintenance between the hours of 5:00 AM to 7:00 AM on Wednesdays. You may experience technical difficulties if you attempt to access your accounts during the maintenance period; if so, please sign on to your accounts at a later time.
What happens if I don't exit the system?
By default Bank of Milton Internet Banking has a 10 minute time out feature, so if the system is not used for 10 minutes, then the user will be inactive and will have to log in again. Once ten minutes has elapsed, you will be taken back to a login screen after the next selection is made.
How late in the evening can I make transfers?
Internal transfers made after 8 p.m. CST will be effective the following day.
How do I get my User ID and Password?
Choose Services>Change Info. In the User ID field enter an ID at least six characters in length and containing one alpha and one numeric/special character. The @ symbol is not allowed in this field. The User ID is not case sensitive.
Can I change my User ID?
Yes, you can change your User ID as often as you want. Just click on “Services” then “Change Info” and change your User ID and hit submit.
Can transfers be established to occur in the future or on a recurring basis?
Yes. You can select the frequency that transfers will be made – once, daily, weekly, every 2 weeks, monthly, quarterly, semi-annually, and annually.
What happens if I have scheduled a payment that falls on a weekend or a holiday?
The transaction will occur on the next business day after the weekend or holiday.
Can I make a loan payment?
Yes. You can use the transfer option to move funds from your checking or savings account to make a regular loan payment.
Can I download my transactions into a finance software product?
Yes. Transactions can be downloaded to spreadsheets, Quicken ® or Money ®, Quicken ® 2000 or Money ® 2000 or higher.
Does Online Banking have Online Help?
Yes. Clicking the ‘Help’ option will give you detailed information about the screen you’re currently viewing.
Can I nickname my accounts?
Yes. You can enter a 15-character nickname for each account.
Can I update information about myself on line?
Yes. By choosing Services>Change Info, you can send a secure email to the bank with the changes.
Can I use Online Banking to send email Reminders?
Yes. By choosing Services>Reminders you can build reminders to remember special events, birthdays, anniversaries, payment due dates, etc. These reminders can be a single occurrence, daily, weekly, every two weeks, monthly, quarterly, semi-annually, and annually. The reminder message will be sent as an e-mail message at the scheduled time.
Can I monitor my accounts based on the balances at the end of each day?
Yes. By choosing Services>Alerts you can choose one of three options to monitor your account: ‘When My Balance is Greater Than’, ‘When My Balance is Less Than’, and ‘For All Debit Amounts Greater Than. The alert message will be sent as an e-mail message.
Can I receive notification when my bank statement is available?
Yes. By choosing Services>Alerts you can choose the option ‘When My Statement is Available’. The alert message will be sent as an e-mail message to your email address that you provided to the bank.
Under a scheduled transfer, I see “********” in the display field, What does that mean?
If an account becomes invalid such as Closed or Dormant, asterisk will display in this field. In the event the account is dormant, please contact Bank of Milton.
What email address do reminders and alerts come from?
Bank of Milton’s Internet Banking Provider processes reminders and alerts for Bank of Milton. Alerts come from PCS IB Operations at the email address ibank@mail.pcs-sd.net. Please do not respond or send email to this address.
For more information give us a call or stop in and see us.
