FREQUENTLY ASKED QUESTIONS FOR ONLINE BANKING

What is Internet Banking?
Native American Bank Internet Banking is a convenient way to access your accounts without going to the Bank. Native American Bank is available to you from your home or office – 24 hours a day, 7 days a week just by using your personal computer.


What Can I Do With Internet Banking?
You can access your checking, savings, debit cards, line of credit, certificate of deposits, or loans to verify balances, *transfer money between accounts, order checks and export information to your personal financial software.

*Some restrictions apply to transfers (ask our Financial Services Representative for clarification).


How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?
Native American Bank uses "Real Time Access" for your balance information. This means that the balance you see at home is exactly what the balance shows at the bank. If you make a deposit or cash a check or even use your Debit card, you will be able to see that transaction online immediately.


How Much Does Internet Banking Cost?
The service is free for our customers


Is Internet Banking Private and Secure?
Yes it is. Native American Bank has incorporated state-of-the-art security into its Internet Banking to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.


What Is Data Encryption?
128-bit electronic data encryption provides privacy for the data flowing between your computer and the bank’s online server.


What Is A Firewall?
Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of Native American Bank. We use several layers of technology to ensure that your Internet transactions are secure and tamper-proof.


What Can I Do To Protect Myself?
Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.

Other security tips:

  • Keep your web browser software up-to-date to take advantage of the latest security enhancements.
  • Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
  • Please be careful where you choose to do your Internet Banking and what you do with your transaction data.  DO NOT use coffee shop Internet hook-ups or rented computers.  Computers can be configured to capture private information from unsuspecting Internet users.
  • If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
  • DO NOT share diskettes that contain confidential information even if you think you have erased the information.
  • It is a good idea to shred printouts of your account information before discarding them.


What Equipment Do I Need?
For PC Banking you will need an IBM-compatible personal computer, running Windows version 3.1 or later, and a compatible modem. Your browser must support 128-bit encryption. To access Internet Banking you need Internet access and a browser with a version of 5.5 or higher (for best results use Internet Explorer).


Can I Access Internet Banking Through My Current Internet Service?
Yes. The browsers that Native American Bank requires work with most Internet service providers.


Does Internet Banking Work With Quicken and Microsoft Money?
Yes it does. Data can be downloaded to spreadsheets such as Microsoft Excel or other personal financial management software such as Quicken or Microsoft Money in a "qif" file format.


Who Do I Contact If I Have Problems Or Questions?
You can contact any of Native American Bank branch or call our toll free number 800-307-9199.


How Do I Get Started?
If you have an account with Native American Bank, you will need to fill out an enrollment form (either online or at one of our offices). You will be issued a temporary Access ID and a temporary password after completing the enrollment form. After receiving your temporary Access ID and temporary password you will need to go to our web site Native American Bank, click on the "Online Banking" button. You will then need to click on the "Log On" button. Enter your temporary ID and password. You will be required to change your User ID and Password. Your new Access ID must be at least 6 characters long. Your new password must be at least 6 character long and must contain BOTH numbers and letters. You will also be required to read and accept the terms for internet banking before you are allowed to proceed.

End of Frequently Asked Questions
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