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faqs

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Q: How do I get started?
A: If you already have an account relationship with us, just click the "Enroll Here" button on our logon page.  After following the easy steps, you will be able to use Albank's Internet Banking immediately.

If you do not currently have an account with us, we would be happy to send you an application form.  Just send it back completed with your initial deposit.  Request one via e-mail or call us at 1-877-725-2265 (1-877-7ALBANK).

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Q: What should I do if I forget my password?
A: If you forget your password, you can click the "To unlock your account or reset your password" link on our logon page.  Then complete the following steps:

a.  You must enter your Internet Banking User ID.  We will send a Token key to your default e-mail address.

b.  You must retrieve the TOKEN key from your e-mail account and enter your USER ID and the Token key on the Forgotten Password page.

c.  Next, you need to answer your Secret Question.

d.  If you answer your Secret Question correctly, you can enter a temporary password.

e.  After you create a new password, you can sign on to Internet Banking.  You will be prompted to update your password the next time you sign on.

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Q: What browsers are supported by Albank's Internet banking system?
A: Internet Explorer 6.0 and Netscape 4.78 and later are supported. 

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Q: Can I download my account history in Quicken or Microsoft Money?
  A: If you are using Quicken 2005 or later, you can download your balance and transactions from within Quicken via Web Connect or within your Albank Internet banking session.  If you are using Quicken 2003 or 2004, or Microsoft Money 2000 and later, you can download the QIF file and import it.

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Q: How much account history can I view online?

A: You can view approximately eighteen months of your account history starting from your beginning enrollment date.


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Q: What is the cut-off time for scheduling transfers and bill payments?
A: Transfers initiated and completed before 7:00 P.M. CST on a business day will be processed on the same business day. All transfers completed after 7:00 P.M. CST and on a Saturday, Sunday, or banking holiday will be processed on the next business day.

Bill payment requests for ASAP processing submitted before 7:00 P.M. CST on a business day will be processed on the next business day. The funds will be withdrawn from your account on the same day of your request and your payment will be sent on the next business day.

Bill payment requests for ASAP processing submitted after 7:00 P.M. CST and on a Saturday, Sunday, or banking holiday will be processed along with the funds withdrawal on the next business day. The payment will be sent the next business day following that.


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Q: When is my account updated when I do a transaction online?
A: Your account is updated when we post your banking transactions at night usually between the hours of 12:00 a.m. and 1:00 a.m. CST. Although you can access your account information and do transactions between your accounts at almost any time, transactions are not posted in "real time." As a result, your banking transactions will not be reflected in your accounts' balances until after the nightly posting. The cut-off time for fund transfers between accounts is 7:00 p.m. CST

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Q: How do I know if my online banking session is encrypted?
A: Your banking session is encrypted when a closed lock appears in the lower left corner of Netscape Navigator's window, or the lower right side of Microsoft Internet Explorer's window. When not in a secure session, Netscape's lock appears unlocked and Microsoft's lock is not visible.

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Q: Is online banking safe?
A: When you log in to do online banking with us, your sessions are conducted in our "secure server" area using the latest Secure Sockets Layer (SSL) cryptography. SSL uses public key cryptography to secure transmissions over the Internet. All of your online banking sessions with us are encrypted. We only allow access to our online banking site if you are using a browser which uses at least 128-bit encryption. Browsers like Netscape Navigator and Microsoft Internet Explorer allow you to encrypt or scramble information as it leaves your computer and passes over the Internet. We use layers of security such as SSL, encryption, and a firewall that limits access to our secure area to authorized users only.

There are also security measures our customers should take to protect their bank account.  These include changing your PINs or passwords regularly, memorizing PINs, keeping PINs a secret, and signing off when done.

There are also security measures our customers should take to protect their bank account. These include changing your PIN's or passwords regularly, memorizing PIN's, keeping PIN's a secret, and signing off when done.


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Q: What if I have a dispute about my account or bill payment?
A: Notify us immediately in person, by telephone, or by mail so that we can start resolving the matter. Our toll free customer service number is 1-877-725-2265 (1-877-7ALBANK).

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Q: When should I submit my bill pay instructions?
A: You should submit a payment request at least ten days before its due date. You should not assume that all payments will be received by a merchant the next business day and you should allow enough time for your payment to reach your merchant.

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Q: Can I pay my bills online?
A: You can pay your bills online and it's easy. Once you've designated your bill payment account, you can pay any merchant and choose a payment method for each merchant. You can schedule payments, set up automatic or recurring payments, or choose to pay immediately.

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Q: How do I make my deposits?
A: You may make your deposits in person, by mail, wire transfer, or at any of our ATM locations. You may also find it more convenient to sign-up for direct deposit of your paychecks or pension checks to your Albany Bank account. The choice is yours.

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Q: How much does it cost?
A: Online banking with Albany Bank is absolutely free. If you would like to use our online bill payment service, the fees are as follows:

Personal Accounts: First two months are free; $5.95 a month for each month thereafter with unlimited bill payments.

Commercial Accounts: $9.95 a month includes up to 15 bill payments and 25 cents for each one thereafter.


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Q: What services do you offer with online banking?
A: Albany Bank's online banking system lets you view your account information, transfer funds, pay bills, request stop payments, and order checks. You can also download your account information in .QIF format for use with a financial management software like Quicken or Microsoft Money. You can do your online banking with us from anywhere you have Internet access almost 24 hours a day.

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Copyright©2010 Albany Bank and Trust Company, N.A. Member FDIC. All rights reserved. Equal Housing Lender. Equal Opportunity Employer.