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| Anyone who is a Home National Bank customer may sign up for and have access to their accounts through Online Banking. |
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| Yes. The same great features of Online Banking are available to our business customers. Because of their special needs, our business customers have access to some electronic payment methods not available to our personal accounts. The person opening the Online Banking account must be authorized by the business to do so. |
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| Yes, but we charge a separate fee for Personal and Business. We consider Business and Personal accounts as separate relationships. If you’d like to combine your business and personal accounts we will be happy to arrange that for you. |
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| In most cases, Online Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside our control. We process and update your Online Banking transactions only on business days. Our business days are Monday through Friday, excluding legal holidays. |
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| The information displayed in Online Banking is online/real time information. You will see transactions post to your account through the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use your Visa Check Card, use the ATM or transfer funds between accounts, your available balance will be updated to reflect that activity. |
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If you’re having problems accessing Online Banking, check to see if you can access other web sites. If you cannot, contact your Internet Service Provider.
If you can access other web sites but can’t access Online Banking, the system is either off-line or we’re experiencing a temporary disruption of service. Please try again later.
If the problem persists, please contact Home National Bank Online Banking Support at 877.811.4663. The call is toll free. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm CST.
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Yes, you can. To change your 12-digit Online Banking ID to a name or number that’s easier to remember, go to ‘Home Banking Management’ and select ‘Create/Change Online Banking ID (Alias).’ Once entered, you can use your Alias to login to Online Banking. (You can still login using the 12-digit login ID at any time.)
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Maintaining the privacy of your bank information is important. For security reasons, we require you to change your PIN every 60 days. However, you don’t have to wait 60 days to change your PIN. You may change your PIN at any time by going to ‘Home Banking Management’ and selecting ‘Change Online Banking PIN.’ Please don’t share your Online Banking PIN with anyone. If you think someone knows your PIN, change it.
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| If you’ve forgotten your Online Banking PIN, contact Online Banking Customer Support toll free at 877.811.4663. |
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There could be several reasons. You may be entering the wrong PIN. You could also be locked out of Online Banking. You are allowed three login attempts. On the third attempt, if invalid, you are locked out of Online Banking. In addition, if you have not logged in to Online Banking in the past 60 days, you will be locked out of the system. If you get locked out, please call Online Banking Customer Support and ask that your account be unlocked. You may call them toll free at 877.811.4663 Monday through Friday from 8:00am to 5:00pm CST.
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You should always log out the system if you’re going to be away from your computer for any length of time. If you forget to log out, the system will automatically log you out after 10-minutes. Your current session will become inactive and you’ll be forced to log on again to use the system.
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Merchants use telephone communication to approve transactions from your card. They receive a temporary and a permanent authorization, both of which appear on your account information. You should also see an offsetting credit in the same amount. In every case, the amount charged to your card will equal the amount of your purchase.
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To view transactions that have cleared your account since your last statement, click on ‘View Current Transactions.’ To view transactions prior to your last statement, click on ‘View Range of Transactions.’
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These are “real time” transactions. ATM transactions, teller transactions (displayed in your account history as VRTXTLR), Online Banking transfers, Visa Check Card transactions are all considered “real time” transactions. These transactions are immediately posted to your account and show up in your account history.
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All transfers requested before 7:00 pm CST will be processed that day. Any transfers after that time will be honored the next business day.
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| You can pay any business or person, even if they don’t accept electronic payments. All you need is the payee's name and mailing address. |
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| You should allow time for your payments to process. For a payment made by check, you should allow 5-7 business days. For an electronic payment, you should allow 3 days. |
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| Our bill payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database (click on the binoculars). If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check. |
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| If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank – just as if you’d written it from your checkbook. |
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| Payments made before 12:00pm CST will be mailed the same day. Payments made after noon Central Time will be mailed the next business day. |
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| Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you’ll have to change each month is the amount you want to pay and the date you want the bill paid. |
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| If you have a problem with Bill Pay, call Online Banking Support at 877.811.4663. The call is toll free. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm CST. |
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