With e-mail, you can contact the Bank 24 hours a day, seven days a week. Simply access the ‘Contact Us’ screen to send a message or question to the Bank.
To find this option:
- Select "Contact Us" from the main navigation bar. The Contact Us Page displays.
- Enter your message in the message box.
- When you are finished, click on the 'Send Message' button to continue with your message. If you do not want to send a message, click on the 'Cancel' button. You will be returned to the Account Summary Page.
- If you clicked on the 'Send Message' button, the Contact Us confirmation page displays, indicating that your message was sent. It also displays the message you entered.
- Once you are finished, you can click on any link and go to the selected page.
Since e-mail isn’t always secure, we recommend that you don't include any sensitive information like account numbers, balances or passwords. By providing us with your name, mailing address, phone number and a general description of your question, we can review your account activity and respond by email or phone.
2. Call
If you would like to speak with a bank representative, you can call the bank customer service line during regular banking hours and someone will be glad to personally answer your question.
3. Visit
If you would like to speak with a bank representative in person, you can visit the Bank branch location nearest you during regular banking hours and someone will be glad to personally answer your question.
Security
Q: How safe is my account information with PC Banking?
A: PC Banking uses the latest and most innovative security technology available today. Using Windows NT® and SQL (a powerful, relational database language), cryptography, firewalls, digital certification and authentication, are all utilized to make sure that all of your online transactions are secure and authentic.
Q: Where can I find more information about security?
A: Read the Bank’s security statement for more detailed information. Here you will find all the information you need about how the Bank keeps your account information safe.
You will find this information when you login to internet banking. Click on Questions about security and privacy.
Q: How can I make sure I am following the proper security measures on my own PC?
A: All transactions are encrypted for security, and the PC Banking system is as secure as using an ATM. There are, however, a few steps you can take to ensure your account information is secure.
- Never leave your PC Banking system user name and password where another person can find them.
- Always use the Exit option on the Main Menu to leave the PC Banking system when you're done. If you just close your browser, or move to another web page, you could be leaving your connection to the system open. This could allow another person to access your accounts if you step away from your machine.
Q: How does PC Banking work?
A: You first access the Internet via your Internet Service Provider or ISP. Once you’ve gained online access you then can connect to the Bank’s web site. Then click on the PC Banking button or link within the Bank’s web site. This takes you through a series of firewalls and secure connections, which link you to the PC Banking server. This server houses the software you see when accessing your account information.
As updates are made to the Bank’s database and account information is updated, data is then sent from the Bank to the secure PC Banking server and made available for you to view.
Online Account Access
Q: How do I access my account for the first time?
A: After the bank calls you to make sure you initiated the enrollment it should be available to you in 24 hours. It's a good idea to change your password regularly. The system requires you to change your password every 45 days.
- Select a password that has some meaning to you, but that would be difficult for others to guess. Please do not use your Social Security Number, phone number, address, birth date / family member's birth date, or anniversary.
- Use at least six characters, although eight is better.
- Avoid using single words or names.
- Try to include non-alphabetic characters, such as punctuation marks or brackets, in your password.
Q: How do I get my account information?
A: There are two ways you can view account information: as a summary of all your accounts, showing the current balances, or more detailed account information for a specific account.
Once you are logged into the PC Banking system, you will see the Account Summary screen. The Account Summary screen is the system's "home" page. When you are done with an activity, you should return to this page to view the results of each transaction. The Account Summary page lists all your accounts with different levels of information. The nature of this information depends on the type of account. Click on an account name to get more detailed information about that account.
Q: How do I use my checking account with PC Banking?
A: The same way you always have. In addition to the convenience of online banking, you can still write checks and use the ATM as you always have. Only now with PC Banking, balancing your checkbook is much easier! You can view your current balance anytime of the day or night and view account detail to see which checks and deposits that have cleared.
Q: What's the difference between the Current Balance and Available Balance in the Account Summary?
A: The current balance is similar to the balance on your most current bank statement. It includes all transactions that have already cleared the bank and have posted to your account. These include checks, deposits, ATM transactions, or other withdrawals. Your current balance is updated daily, and gives you an up – to - date picture of your checking account status.
The available account balance is comparable to your checkbook register. Transactions are automatically debited and credited to your available account balance once they have cleared the bank but not yet posted to your account. The available balance also includes any upcoming or pending transactions that have been entered but not posted such as an ACH debit or future payment request. Once the items have cleared the bank, they will then show up in the current balance total. Remember that if you do a transaction on line after 3:00 CST it won’t show up it in your available balance until the next day. It won’t show up in your current balance until it has cleared the bank. Remember also that checks clear overnight and they won’t show up until the next day. If you have a balance of $1,000.00 and you have a check clear overnight amounting to $300.00, the next business day you’re current and available balance will show $700.00.
Q: How do I use the Account Detail Screen?
A: You can access the Account Detail screen by clicking on an account link on the Account Summary screen. This screen provides information for one of your accounts. Transaction history is displayed for Checking, Savings and Money Market accounts.
The top section of the Account Detail screen displays general account information, such as balances, number of debits or credits, and totals of debits and credits for this particular account.
The middle section of the Account Detail screen is the Transaction Display table. The first view of the Account Detail screen displays data for the last load (typically previous day information) of transaction information provided by the bank. For each transaction, you can see the effective date of the transaction, the transaction description, the number of the transaction (such as check serial number), and the amount of the transaction. The information is sorted by date, with most recent transactions first.
To view transaction information for this account in another sort order, such as Amount, Type, or Number, click on the column heading. An arrow indicates the primary sort column and an up or down arrow will indicate ascending or descending order.
The bottom section of the Account Detail Page contains Filter Criteria fields, where you can perform a filter of the data that you would like to view. Filter by all or some of the following: date range, amount range, number range, debits only, credits only, or debits and credits. You can also indicate whether you would like to view debits only, credits only, or both debits and credits. Select another account with the dropdown account field without having to return to the Account Summary Page.
Once you have entered the filter criteria, click on the Apply Filter button. The Transaction Display table above refreshes with the results of your filter criteria selection. The filter criteria you entered may take a few moments to display, if the amount of data available is large.
Q: What do the underlined words on the Account Detail screen mean?
A: Clicking an underlined word or phrase takes you directly to that part of the Account Detail screen. Alternatively, use the scroll bar on your browser to scroll through the Account Detail information. Next, Previous, and Jump to Page options appear for accounts with multiple associated pages of information. Click Next to see the next page of data, click Previous to go to the previous page of data, and select Jump to Page from the drop-down list if you know which page of data you want to access.
Click on the Return to Account Summary link to go back to the Account Summary screen.
Q: How do I place an order for more checks?
A: Personal check reordering is available online within PC Banking. You can now order checks 24 hours a day, 7 days a week. Simply click on ‘Account Services’ in the top navigation bar. Then click on ‘Reorder Checks’. It’s as easy as that. You can choose from re-ordering your existing checks by entering in the account, starting check number and number of boxes you’d like. You can also browse through new check designs and order brand new checks from the Bank’s check vendor. All online!
You can also visit the Bank branch location nearest you, or go to our bank website at www.midcentralbank.com and place an order.
Q: Now that I’m banking online, how do I deposit money into my account?
A: The same way you’ve always made deposits. You can visit the Bank branch nearest to you and make the deposit in person. You can mail the deposit to the Bank in a deposit envelope. Plus, an easy way to expedite salary deposits is to work with your employer to set up direct deposit of your paycheck into your checking account. This makes it very easy to receive your regular payroll check. The money is automatically credited to your account on your usual payment days. And, there’s no more waiting in line at the Bank to make a deposit!
Q: Can I change the name of my account numbers to make them more recognizable and easier to remember?
A: Yes, the Change Account Alias page allows you to change the alias that you use to disguise the full account number of your accounts, as they display in PC Banking. It displays a list of all your accounts (Demand Deposit, Savings, Money Market and/or Loan) by their account numbers, with a field where you can enter a nickname for the account, such as Household Checking or Pam’s Savings.
To change an account alias, do the following:
1. Select 'Customer Information' from the main navigation bar and then select 'Change Account Alias' from the option list shown to the right of the page title.
2. In the field beside an account's alias you want to change, enter the new alias.
3. If there are other accounts whose alias you wish to change, do the same as described above.
4. When you are finished, click on the 'Make the Change' button. This makes your new information effective.
Q: Can I use my personal financial management software with PC Banking?
A: Yes, PC Banking is compatible with leading finance software packages, including Microsoft® Money. This means that you can manage your money in a familiar way while banking with a recognized leader in emerging technology.
With PC Banking, and Microsoft Money, you can have money management at your fingertips and complete control over your finances.
Paying Loans
Q: Can I pay a loan through PC Banking?
A: Yes, on the Pay Loans screen, you can simply make a loan payment or a loan principal payment by transferring funds from your Demand Deposit, Savings or Money Market account to your loan account. You can make a one-time payment, a future-dated payment, or scheduled, recurring payment. To make a loan payment, click on the "Transfers and Payments" button on the main navigation bar and then click on the "Pay Loans" link on the option list in the right corner of the page.
Q: How do I make a one-time, current-date loan payment?
A: To create a loan payment or loan principal payment that you want to have occurred only once on the current day, do the following:
1. Select the type of payment you would like to make, whether it is a loan or loan principal payment.
2. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
3. When you click on the "Proceed" button, the Pay Loans Verification Page displays, recapping the information you entered on the previous page.
4. The Pay Loans Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records.
Q: How do I make a one-time, future-dated loan payment?
A: To create a loan payment or loan principal payment that will occur only once on a date later than today's date, do the following:
1. Select the type of payment you would like to make, whether it is a loan or loan principal payment.
2. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
3. Click on the 'Show Advanced Options' button. The Schedule fields will be displayed.
4. At the Schedule fields, select the 'Pay On' radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Pay Loans Verification Page displays, recapping the information you entered on the previous page.
7. Click the “Complete” button.
8. The Pay Loans Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records.
Q: How do I make a regularly scheduled loan payment?
A: To create loan payment or loan principal payment that you want to have occurred on a regularly scheduled basis, do the following:
1. Do not fill in any of the fields on the Pay Loans data entry page. Click on the 'Show Advanced Options' button below the fields. The Scheduled Transactions Page displays.
2. Select the type of payment you would like to make, whether it is a loan or loan principal payment.
3. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
4. At the Schedule fields, select the description of the regular loan payment you would like to set up and fill in the appropriate fields. If a date is required for the type of schedule you select, this must be a future date after today's date and a business day for your financial institution.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your payment to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Pay Loans Verification Page displays, recapping the information you entered on the previous page.
7. Complete the transaction, click on the "Complete" button.
8. The Pay Loans Confirmation Page displays, summarizing your transaction and the confirmation number. Print this page for your records.
Transferring Funds
Q: What does the transfer funds feature allow me to do?
A: The Transfer Funds feature allows you to move or transfer funds from one account to another. The screen asks you for the account that funds will come from, the account that will receive the funds, and the amount of the transfer. You can create a single funds transfer, a scheduled funds transfer, or a recurring, scheduled funds transfer.
Q: When will my transfer post to the receiving account?
A: All transfers initiated before 3:00p.m. CST will post on the same business day. Any transfers initiated after 3:00p.m. CST will post on the next business day. When the transfer is complete, the post date will be reflected on the transaction detail screen as cleared.
Q: What about transaction or service fees?
A: Unlimited fund transfers, along with viewing account balances and transactions is included with PC Banking. There is no additional cost to you. There is a fee for check copies, reprinted statements and stop payments.
Q: How do I sign up?
A: Funds Transfer is available to all PC Banking customers. No special sign-up or software is required. To begin transferring funds, simply click the ‘Transfers and Payments’ button on the top navigation bar then click on ‘Funds Transfer’ on the right side navigation.
Q: How do I make a one-time, current-date funds transfer?
A: To transfer funds only once on the current day, do the following:
1. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer.
2. When you click on the 'Proceed' button, the Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
3. Click the "Complete" button to continue.
4. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records.
Q: How do I make a one-time, future-dated funds transfer?
A: To transfer funds only once on a date later than today's date, do the following:
1. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer.
2. Click on the 'Show Advanced Options' button. The Schedule fields will be displayed.
3. Enter a description, if any, of the transfer.
4. At the Schedule fields, select the Transfer On radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
7. Click the "Complete" button to continue.
8. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records.
Q: How do I make a regularly scheduled funds transfer?
A: To transfer funds between the same accounts for the same amount on a regularly scheduled basis, do the following:
1. Do not fill in any of the fields on the Transfer Funds page. Click on the Advanced Options button below the fields. The Scheduled Transactions Page displays.
2. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer.
3. Enter a description, if any, of the transfer.
4. At the Schedule fields, fill in the appropriate fields. You can enter a start date for this transaction, which must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
7. Click the "Complete" button to continue.
8. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records.
