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Where can I see a demonstration of Illini Bank's Internet Banking
product?
To view a demo of Illini Bank's Internet Banking, go to our Login
page and click on Demo.
Is special software required for Internet Banking?
The only thing you will need is your Internet browser with 128-bit
encryption. When new features are added, they are done on the site,
so you will not need to do anything on your PC to take advantage
of the changes. Can I access the Illini Bank Internet Banking website without
128-bit encryption?
No. You must update your Internet Explorer's encryption level to
128-bit. This can be done free of charge
on
Microsoft's website. At this link you can choose your correct operating system and Internet
Explorer version and download the encryption update.
How do I enroll in Internet Banking?
As long as you have an Illini Bank deposit account and have Internet
access, simply click Login, then click on the Enrollment Form and
follow the on-screen instructions.
Do I have to open a new or special account to use Internet
Banking?
No. As long as you have an Illini Bank deposit account and have
Internet access, you may use Internet Banking.
How much does Illini Bank's Internet Banking cost?
If you choose Internet Banking without Bill Pay, there is no charge
for accessing your account information and making account transfers.
If you choose Internet Banking with Bill Pay
for Consumers, there is no charge for accessing account information,
making account transfers, or utilizing Bill Pay. If you choose Internet Banking with Bill Pay
for Business/Commercial accounts, there is
no charge for accessing account information or making account
transfers, however, there is a cost of
$4.95 per month for utilizing Bill Pay.
How soon can I start using Illini Bank's Internet Banking after
enrolling?
Once we receive your enrollment request, we will mail you our Internet
Banking Disclosure for review. Once you review this disclosure,
you will need to sign it and return it to us. Upon receiving your
signed disclosure, Illini Bank will mail you a user name and password
via U.S. mail. You may start using Illini Bank's Internet Banking
as soon as you receive this user name and password.
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. Illini Bank's
Internet Banking requires your password to be at least six
characters long and to contain at least one
numeric and five alpha characters.
For increased security purposes, passwords are
also required to be changed every 90 days. 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.
How current is the information provided online?
Illini Bank's Internet
Banking product reflects "real time"
transactions and account information.
Transactions completed after
4:00 PM
will not be reflected until the next business day.
How much past account information can I view?
Checking and savings account information includes activity appearing
on your last mailed statement plus any current
activity. Internet Banking users also have the ability to
view their last twelve (12) months worth of both checking and
savings statements.
Are there any times when Internet Banking services may not
be available?
The Illini Bank 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.
How will Bill Pay work, and when is the money withdrawn from
my account?
Illini Bank's Internet Banking is Internet-based and allows customers
to set up single or recurring bill payments. The amount
of the payment will be deducted from your account on the day you
designate the bill payment to be processed.
Illini Bank recommends that you allow at least seven (7) business
days for payment processing to ensure that the bills are received
and credited prior to your due date. Please note that Internet
Banking does reflect immediate
"real time" account transactions.
What bills can I pay using Internet Banking with Bill Pay?
You can pay anyone you owe with a United States address, regardless
of whether it is a company or an individual. For example, you can
pay anyone you want from a utility bill to the baby-sitter or even
your doctor. Note: We are unable to process tax or court directed
payments where additional documentation may be required.
What additional things am I responsible for to make certain
my bills are paid successfully through Illini Bank's Internet Banking?
You are responsible for ensuring that the information you input
is complete and accurate. You must make certain that you have sufficient
funds in your account when you make a payment, otherwise it will
be rejected. We also recommend that you allow at least seven days
for bills to reach their destination, so that they can be processed
prior to your due date.
If I report my Illini Bank ATM/Check Debit Card stolen, can
I still access my accounts via the Internet?
If your card is reported stolen, you may request a replacement card
from Illini Bank. Your Internet Banking access would remain unchanged
unless you request otherwise.
Can I use my browser's Back or Refresh buttons?
Please use the navigation provided within Illini Bank'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.
How do I know that my banking session is being protected by
encryption?
Both Netscape's Navigator and Microsoft's Internet Explorer offer
visual assurance that your banking session is protected. When in
an encrypted sessions, Netscape's Navigator, equipped with 128-bit
encryption, will display a double-tooth key in the lower left corner
of your monitor. Similarly, Microsoft's Internet Explorer will make
visible a closed padlock in the lower right corner of your monitor.
Generally, when not in a secure session, the key image will appear
broken and the padlock will look open. Please note, however, that
some browser versions may not display a symbol when viewing an unencrypted
page. As a general Website usage matter, Illini Bank recommends
that you use Microsoft Internet Explorer browser version 5.0 or
later. For additional information, please refer to the
Microsoft
Website.
Please note Microsoft may require that you first complete on Online
Profile form prior to accessing the support articles. Any information
you provide to Microsoft Corporation is not required by Illini Bank
and may not be used in a manner consistent with our Privacy Policy.
Please contact Microsoft Corporation directly to inquire about the
privacy of your information.
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.
Which browser do you recommend?
Illini Bank recommends use of Microsoft's Internet Explorer 5.0
or later because it supports the imagery of the bank statements
online. All the same account information will be visible in Netscape,
but the statement background will not appear as familiar to our
customers.
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