| I-Bank24 Frequently Asked Questions | |
What is I-Bank24 and how much does it cost?
I-Bank24 Online Banking provides Franklin Savings Bank Checking account customers access to all of your Franklin Savings Bank accounts from the convenience of your personal computer 24 hours per day, seven days a week. Our optional Bill Payment services let you pay your bills online... no need for checks, stamps, envelopes or trips to the Post Office. The Online Banking functions are FREE of charge to Franklin Savings Bank customers.
What will I need to get started?
Any personal computer connected to the Internet is capable of accessing the I-Bank24 Online Banking system. You will also need a Franklin Savings Bank checking account to perform bill pay transactions. You may complete our Online Enrollment Request or stop by any of our convenient locations to enroll in person. If you are currently a Phone24 Telephone Banking user you may go to www.fsbnh.com and click on the "Demos" & "First Time Users" button, then click the "Begin Using I-Bank24" button to begin using I-Bank24 Online Banking immediately. If you are not a Phone24 Telephone Banking user, you will need to click on the "Enroll Now" button.
What happens if I enroll online?
Again, Phone24 Telephone Banking customers will have immediate access to I-Bank24 Online Banking. If you know your Phone24 PIN number,
click here to complete our Online Enrollment Request and get started. If you do not have a Phone24 PIN, we will send you that information within twenty-four (24) hours (unless on a holiday or weekend). A confirmation letter with instructions to log into I-Bank24 will be mailed to you via the U.S. Postal Service..
Is my personal information secure while I'm completing an Enrollment Form online?
Completing an Online Enrollment Request is just as secure as the I-Bank24 Online Banking System itself. Your entire session, from the time you open an enrollment page until you submit the completed Enrollment Request, is encrypted.
What types of accounts are accessible on I-Bank24?
You can access any of your Franklin Savings Bank accounts including Checking, Savings, Certificates of Deposit, IRAs and Loans. (Enrollment for Bill Payment Services requires a Franklin Savings Bank checking account.)
How do I access I-Bank24?
After completing the First Time Users Log In procedure, you may simply log into I-Bank24 directly from our home page by clicking on the I-Bank24 Log in button of our home page located at www.fsbnh.com.
What will I be able to do with Online Banking?
- Pay bills
- View up-to-the-minute account balances
- View account history
- Detailed transaction search capabilities
- View and print cleared check image
- View and print your Checking and Savings Account Statements
- View previous and current business day transactions
- View previous and current statements
- Export history to personal finance software such as Intuit QuickenTM, Intuit QuickbooksTM, and Microsoft MoneyTM
- View transactions in checkbook format
- Transfer funds between accounts
- Request stop payments
- Pay FSB Loan payments
All account information includes up-to-the-minute account balances. Today's transactions are available for viewing as they occur. We also have a 2:00 PM Eastern Time business day cut-off time. Transactions performed after 2:00 PM Eastern Time will post on the next business day.
The I-Bank24 system maintains a maximum of 60 days of transaction history. However, you will be able to view previous statements under the "Statement History" button.
Your accounts are updated as transactions are performed. Up-to-the-minute current business day transactions may be viewed at any time under the "Transactions" tab by selecting "Current Business Day".
What should I do if I cannot log into the I-Bank24 Online Banking System?
First, you should check your "num lock" and "caps lock" keys on your keyboard, making sure the "num lock" button is lit. The "caps lock" button should be lit if you do everything in UPPERCASE letters. Remember, access to the I-Bank24 System is case sensitive. If these settings are where they should be, please feel free to contact our Customer Contact Center Monday through Friday for assistance at 603-934-4445 or
Are the transactions performed at the bank reflected in the I-Bank24 System immediately?
Yes, we are directly connected to the bank's main computer system at all times. Transaction done at the bank or using Phone24 are reflected in I-Bank24 immediately. And vice versa...I-Bank24 transactions are reflected in the bank and Phone24 immediately.
You may use Microsoft Internet Explorer or Netscape Navigator. We recommend that you upgrade to the latest version of Internet Explorer or Netscape and download the 128-bit secure version of their browser. The most current versions of these browsers are Microsoft Internet Explorer version 6.0 and Netscape Navigator 6.2. We provide links on our web site to do a browser check or to do a download of the latest version of these browsers. Click here to upgrade your browser now.
Microsoft Windows (98, ME, 2000, & XP)
Microsoft IE: 6.0 or higher
Netscape Navigator: 6.1 or higher
Mozilla Firefox: 2.0 or higher
Opera: 7.54 or higher
Mac OS X
Netscape Navigator: 7.0 and higher
Mozilla Camino: 0.8.1 and higher
Apple Safari: 1.0 and higher
Mozilla Firefox: 2.0 and higher
Opera: 7.54 and higher
Yes, your history can be exported to personal finance software such as Microsoft Money, Intuit Quicken and Intuit QuickBooks.
Electronic transactions are more private than traditional paper transactions. Think about all the information printed on your personal check that is easily read by anyone who handles that check---your name, address, phone number, bank name and account number, and perhaps your driver's license number or social security number. In contrast to such printed information that anyone can read, the electronic information that travels from your computer to our I-Bank24 Online Banking System is securely encoded by a complex mathematical procedure called encryption. Encryption is the scrambling of information transmitted over the Internet, for privacy and confidentiality. In addition, access to your accounts is restricted by the use of a password and other information that only you should have.
It is FREE for all customers with unlimited bill pay access.
Additional charges may apply for Check Copy requests, Stop Payment requests for I-Bank24 items, or NSF items.
The payment date is the date you want payment sent to the payee. This is not the date your payment is due. You'll need to allow a minimum of 5 (five) business days for your payment to reach the payee and be posted to your account. You should take this into consideration when paying bills to avoid late charges. The payment posts to your checking account on the payment date you enter.
Yes, the I-Bank24 system provides for recurring payments. You set the amount, date, payment frequency and the number of payments to be made and the System will initiate the payments for you on your schedule. When the number of payments you have selected (up to 999) has been reached, the bill pay vendor will automatically be deleted from your bill payment list. To make sure your bill pay vendor is not deleted, review the bill pay vendor to determine the number of payments remaining. If you need to continue paying this vendor, simply adjust the remaining payments. ( If your bill pay vendor is deleted you will need to re-establish the payee). Please click here for detailed Bill Payment Instructions.
You may cancel a Bill Payment any time before 2:00 PM Eastern Time of the day the payment is scheduled to take place. Simply point to "Bill Payments" and click on "Payment List". Click the delete button on the payment you wish to remove. Please click here for detailed Bill Payment Instructions. Please note: When you delete the bill payment, you are also deleting the bill pay vendor.
Online banking poses no limits on the number of transfers you can make. However, federal regulations limit the number of withdrawals and transfers on certain types of Money Market and Savings accounts. If you are unsure about the restrictions on your accounts, call Franklin Savings Bank at (603) 934-4445 or e-mail us at mybanker@fsbnh.com.
With I-Bank24, transfers can only be made between your Franklin Savings Bank accounts. Should you need to transfer funds to other financial institutions, please speak to a Franklin Savings Bank Representative regarding I-Business24 Online Cash Management.
Immediately. Express Transfers initiated through I-Bank24 post immediately to the receiving checking, savings or loan account. Express Transfers made to CheckLine accounts post on the next business day when initiated before 2:00 PM Eastern Time.
If you make a Scheduled Transfer before 2:00 PM Eastern Time, your transfer will be credited on that business day. If you make a transfer after 2:00 PM Eastern Time, the transfer will post on the next business day. You can also post future date transfers.
We recommend that you enter it as an Express Transfer because it will post on the payment day you entered and there is no fee. If you enter it as a Bill Payment, it will be sent as a paper draft and may take up to 5 (five) business days.
Yes. You can access your accounts from anywhere that you have Internet access. You will need to register the computer as a personal or public computer when accessing your accounts from a different location.
Yes. The system features password-controlled system entry, a VeriSign-issued Digital ID for the online banking server, Secure Sockets Layers (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. For more security information, check out our Security Statement by going to our web site at www.fsbnh.com and clicking the "I-Bank24 Online Banking" button. Click here to check out our Security Statement. Click here to learn more about additional security steps we have taken through Multi-Factor Authentication.
If you enter an incorrect password three consecutive times, access will be denied until you call the Bank. You must contact the Bank to get your account enabled. You may call our Customer Contact Center at (603) 934-4445 or stop by and speak with a Personal Banker at any one of our offices.
Most definitely. You can test drive our system by clicking on the "I-Bank24 Online Demos & First Time Users" button on the home page of our web site (www.fsbnh.com).
Yes, you do have the ability to "Nickname" your I-Bank24 accounts.
You may call our Customer Contact Center at (603) 934-4445, or feel free to send an e-mail to MyBanker@fsbnh.com. You may also speak with a Personal Banker at any one of our offices.