Internet Banking

Where do I sign up for Internet Banking for personal accounts?
Visit: https://www.marinebankonline.com/onlineserv/HB/Signon.cgi. Click on the link that says first time users CLICK HERE. Fill in your social security number and then all the information below correctly. Once submitted, the information will be verified by the bank. You will receive an email with directions and sign in information within 3 business days.

How do I register my business for Internet Banking?
Website - https://www.marinebankonline.com/onlineserv/HB/Signon.cgi. Click on the link that says first time users CLICK HERE. Fill in your social security number and then all the information below correctly. Once submitted, the information will be verified by the bank. You will receive an email with directions and sign in information within 3 business days.

What is an FI key?
An FI key is a one-time case sensitive password you will receive via email that will allow you to get into the system for the first time.

How long does the registration process take?
The process usually takes 3 business days to receive, verify and approve the application.

I just signed up for internet banking, but when I go into my account I don’t see any
transaction history. Where is it?
Transaction history is available starting the day the application is accepted. The balance will always be correct but the history will only start the day the application is accepted.

Can I transfer money from my accounts using Internet Banking?
Yes. You can transfer funds from any account that you are primary or secondary owner of. We suggest you always keep the confirmation number for your records and verification that the funds were transferred.

How do I download my history into Quicken or Microsoft Money?
1. Log in to Online Banking
2. Click Account Access
3. Click Account Title
4. Select History you’d like to download to .qif file
5. Scroll down to Export area
6. Select Transaction Dates to be Exported
7. Select QIF in drop down box
8. Click Download Data
9. File Download box appears, click Save
10. Select Save to Location and file name (Desktop or My Documents folder works well)
11. Click Save
12. Within Quicken, click File Import
13. Locate file you exported and click Open
(If these steps do not work for you, feel free to contact the Marine Bank’s Technology Department, and we will be happy to assist you further.)

How do I add accounts to my Internet Banking account?
Website - https://www.ourmarinebank.com/IBadditionalaccounts.pdf
Fill in the application completely. Print it the form, sign it, and either fax it to 305-289- 0000 or drop it off at any one of our 7 locations.

How do I change my password?
You may change your password at any time by signing in and clicking on User Options. Click on Change Password and fill in the proper information. If you have forgotten or lost your password please contact the Technology Department at Marine Bank (305-743-7565).

How much is Internet Banking?
Internet Banking is a FREE product to all Marine Bank customers.

Can I have more than one person sign on to my business?
Yes, but we offer a better product designed for Businesses that will allow you to do this. Cash Management is available for businesses that require more robust services including ACH, Wire Transfers and Online Tax Payments. Speak to your branch manager about whether this product is right for you and your business.

What is Internet Banking?
Internet Banking is a way for you to have access to your accounts 24 hours a day. Some features include online transfers, bill payment, or downloading your statements so you may upload them to other software including Microsoft Money and Quicken products.

What accounts will I be able to access through Internet Banking?
You will be able to access any Marine Bank checking, savings, time deposits, residential loans or business loans that you are primary or secondary owner of.

Can I sort my account history in more than one way?
Yes, there are multiple ways that your account details may be viewed. You can sort the transactions by date, check number, transaction, description, credits, or debits.

What formats can I download my transaction history in?
You can download the transaction history in MS Money (OFX), Quicken 99 - 2004 (QIF), or Spreadsheet (Comma Separated Values) from Internet Banking which will allow you to import your transactions into other programs.

Is there a demo available for me to try?
Yes, there is a demo you may try before actually registering for internet banking. If you go to https://www.marinebankonline.com/onlineserv/HB/Signon.cgi and look on the bottom on the page there is a link for a demo.

How long can I be inactive before being removed from the Internet Banking system?
Customers are deleted from Internet Banking after 180 days of inactivity. If you are deleted from the system and would like to get back on, you will need to reregister for the product. All your history will be available even though your account was deleted.

What is required to use the Internet Banking service?
You must be the primary or secondary owner of an account at Marine Bank and successfully complete the Internet Banking application.

How safe is Internet Banking?
In Internet banking, as with traditional banking methods, security is a primary concern. We have taken precautions to ensure your information is transmitted safely and securely.
This Level of Security is achieved in part by:
• Protecting the privacy and the confidentiality of the
communications between your browser and our servers.
• Verifying that only authorized persons are allowed to access online banking.
• Maintaining isolation of our computers from the Internet.

What Happens if I Stop Using Internet Banking?
After 180 consecutive days of inactivity your account will be deleted but can always be reactivated by simply reregistering.

Is There a Cut-Off Time for Next Day Business?
Yes, the cut-off time for transfers is 9:00pm.

BILL PAY QUESTIONS

How do I register for Bill Pay?
Once you are a registered user of Internet Banking, Bill Pay is only a few mouse clicks away. The process is simple. After signing in, click on the Bill Pay icon and fill out the application.

How long does the registration period take for Bill Pay?
The process usually takes 3 business days to receive, verify and approve the application.

How Does My Payment Get processed and when is the Amount Deducted from My
Checking Account?
Once you set up your payees and schedule your payment, either an electronic payment or a paper check is sent to the payee. The amount is automatically deducted from your account on the day your bills are scheduled to be paid.

Can I Obtain Copies of My Canceled Checks or Some Type of Proof of Payment?
You are able to obtain this information, but you must make the request to the Bill Payment provider Customer Support.

What if I Make a Payment to the Wrong Payee? Can I Cancel or Stop the Payment?
A payment may be edited or deleted anytime before the payment is processed. For stop payment requests initiated after processing, you must contact the Bill Payment processor Customer Support. Payments remitted electronically cannot be stopped.

What Happens if I Stop Using The Bill Pay Feature?
After 180 days of inactivity your account will be closed. You may reopen it by reregistering.

Novice Mode. What is it and how can I turn it On/Off?
The Novice Mode provides an extra level of on-screen help tips. This mode is designed for less experienced Internet Banking and Bill Pay users. To turn the Novice Mode Off:
1. Click on the Novice Mode link to access Customer Service.
2. Click the Novice Mode radio button Off.
3. Click the Submit button.
To turn the Novice Mode On:
1. Click on the Novice Mode link to access Customer Service.
2. Click the Novice Mode radio button On.
3. Click the Submit button.

When can I start using Bill Payment?
After enrolling for Bill Payment you will first receive an Approval e-mail. Once your account has been enabled, you will receive an Activation e-mail indicating that you may log on to your Internet Banking session, and begin using Bill Payment.

What frequency of recurring payments is allowed?
The frequency of recurring payments can be weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually and annually.

How do I find my recurring payments?
Recurring payments are viewed by selecting View Payments. To view recurring payments:
1. Click the payee name link. A popup screen appears showing the recurring payee name, account number, process date, confirmation number, payment status (i.e., pending recurring), Payment frequency, and final payment date.

How do I check the status of a payment?
Bill Payment tells you the status of your payment on the View Pending and History Payments page in the Status column. Please refer to the Status definitions for more information.

What does payment status mean?
Payment Status indicates:
1. A payment that is pending,
2. A payment that has been sent.
Examples of payment status:
1. A single payment that is scheduled to be paid is shown as Pending-Single
2. A recurring payment that has not been paid is shown as Pending-Recurring
3. A payment that has been paid is shown as Payment Sent

How do I edit a pending payment?
To edit pending payments:
1. In the View Payments screen, click the checkbox next to the payment to be changed.
2. Click on Edit Payments. The Edit Payment screen appears.
3. Click the appropriate field and enter the changes.
Note: If the payment is a recurring type payment, the Change Date button will be seen. If the payment is a one-time payment, the Change Date button will not be seen.
4. Once the changes are correct, click the Edit Payments button.

What does Estimated Total refer to?
The estimated total figure refers to the cumulative total amount for pending payments only. Totaling begins by adding the first payment to the next pending payment (by date), then to the next and so on. The total amount of all pending payments is shown in green. The 'Estimated Total' value assumes no payments will be edited or deleted and payment dates (pending and recurring) will be maintained.

How do I transfer funds?
Currently there is no method to transfer funds between accounts using Bill payment.

What description will show on my account history?
The ACH descriptor on the account history gives specific information about the payee name, ACH post date and the amount paid, which helps avoid confusion associated with unused check numbers.

How do I view my history payments?
Payment history is viewed in the View Payments screen. When first viewed, payments for the past 15 days pending payments for the next 30 days are shown. For additional payment history:
1. Enter a new date range using the Next Payment Date Range fields.
2. Click on the Next Date Range button.

How far back can I view historical payments?
At least six months of payment history can be viewed online. The Bill Payment processor maintains payment history for up to seven years.

How quickly is Bill Payment updated when a new payee is added or when a payment account number is changed?
When you update payee information, the new information is available immediately.

Are annual summaries including amounts paid by category or payee provided?
No special reports are included with the Bill Payment service.

Can I use Bill Payment with all my accounts?
No, only a single checking account may be used for payments.

When is Bill Payment available?
You may schedule payments 24 hours a day, 7 days a week.

How are Bill Payment transactions reflected on my checking account?
All Bill Payment transactions are reflected as an ACH debit on the account statement.

How much is Bill Pay?
Bill Pay is completely free for all customers.

How do I add new payees?
You add payees by using the Add Payee page.

How do I search for a payee?
To search for a payee:
1. Select Payee.
2. Click the Search for Payee button.
3. Click the General, or VISA® or MasterCard® entry fields and enter the payee's name or the first 8 digits of the card number, as applicable.
4. Click the Search for Payee button.
5. If the payee's name is found on the database, click on the checkbox to the left of the Payee's name.
6. Click the Select Payee button, the Add Payee screen appears.
7. Add the Payee's nickname and account number. The account number may be found on the bill.
8. Click the Add button, the Payee will be added to the list of Payees.

Can I sort my list of payees?
Payees are automatically sorted then displayed alphabetically starting from the top of the page.

How do I delete a payee?
Pending payments must be deleted before a payee can be deleted. To delete a payee:
1. Click the View Payments button, the View Payments screen appears.
2. In the fields under Next Payment Date Range, enter the "From" and "To" dates for the pending payment.
3. Click the Next Date Range button, all pending payments falling between these selected dates will be displayed within the View Payments screen.
4. Click the checkbox next to the payment to be deleted.
5. Click the Delete Payments button, the payment will be deleted from the view payment summary.
6. Click the Payee button.
7. Click the checkboxes of the payee to be deleted.
8. Click the Delete Payee button, a new screen appears showing payee(s) to be deleted.
9. Click the Cancel button to abort and return to the Payee list or;
10. Click the Delete button to permanently delete the payee(s) from the payee list. A deleted payee confirmation screen will confirm this payee has been deleted.

How long does it take to add a new payee to a payee list?
New payees added using the Add Payee page will be added to the payee list immediately.

How do I change a payee's information?
Only the Nickname and Account Number may be edited once a payee is set up. To edit these items:
1. Select Payees and your list of payees appear.
2. From the Payee list, select the checkbox to the left of each payee to be edited.
3. Click the Edit Payees button and information on selected payees appears.
4. Fields for Account Number and Nickname contain the current description - edit fields you want to change.
5. Click the Submit button and a confirmation page appears with the updated
information and a status indicating whether the change was successful or not.
6. Clicking the Continue button brings you back to the Payees page where you can confirm the change.
In order to change the name and/or address, the current payee must be deleted and a new payee added (all pending payments must be deleted first). Please refer to the FAQ above for more information on deleting payees.

What happens if the payee name changes?
If your payee changes names, send the new payee name via E-mail to the Bill Payment processor. Payee name changes will be updated by the Bill Payment processor.

Why do I get the Duplicate Payment Warning?
Duplicate Payment warnings are caused by scheduling a payment on the same date, for the same amount, and to the same payee. The system will not allow you to schedule duplicate payments.

If I receive an error message while scheduling payments, how can I be sure the
payments are actually scheduled?
Return to the View Payments screen and verify your payment has been scheduled. From the View Payment screen, you may edit, delete, or re-schedule your payment(s). Make sure that you are viewing the relevant date range.

How do I schedule recurring payments?
To schedule recurring payments:
1. Click the Schedule Payments button, the Schedule Payments screen appears showing current payees.
2. Click the checkbox next to the payee to receive recurring payments.
3. Click on the Amount field, then type in the amount of the payment. Do not include a dollar sign or comma.
4. Press the Tab key or click the Recurring Date button, the Payment Date screen appears.
5. Select the frequency of payment from the appropriate Payment Date drop-down menu.
Note: Entering payment data into any field causes the associated payment type to be selected. For example, selecting Monday from the drop-down box in the weekly field will cause the recurring payment radio button to be selected. Likewise, entering a date into the single payment date field causes the single payment radio button to be selected. This is done to provide visual feedback to the user of what type of payment has been selected.
6. In the Final Payment Date field, enter the date of the last recurring payment. Use the Tab key to navigate through the date fields.
7. Click the OK button, a Payment Confirmation screen appears indicating payment was successfully scheduled.

How do I skip a recurring payment?
Recurring payments cannot be skipped, only deleted.

How do I delete a recurring payment?
CAUTION, deleting a recurring payment deletes all pending payments associated with that recurring payment. To delete a payment:
1. Click the View Payments button, the View Payments screen appears.
2. In the fields under Next Payment Date Range, enter the "From" and "To" dates for the pending payment.
3. Click the Next Date Range button, all pending payments falling between these selected dates will be displayed within the View Payments screen.
4. Click the checkbox next to the payment to be deleted.
5. Click the Delete Payments button, the payment will be deleted from the view
payment summary. Reschedule the new payment.

What happens if sufficient funds (Non-sufficient funds or NSF) are not available in the account used for bill payment?
If a 'non-sufficient funds' condition exists, the debit will be returned via banking
channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

Can I use Microsoft Money or Quicken to pay bills?
No. Bill payment does not support Microsoft Money or Quicken.

Can I use Bill Payment internationally?
Bill payment provides you with peace-of-mind when you are traveling for an extended period of time. If you have Internet access with a secure browser, you may pay your bills while out of the country. Payments may only be made to payees within the fifty United States and territories.

Can I use Bill Payment from outside the U.S.?
You may pay bills from outside the U.S. if you are using a compatible browser. Payments may only be debited from U.S. bank accounts and may only be made to payees inside the U.S.

Can I pay bills to payees outside the U.S.?
No. Payments cannot be made to Payees outside the U.S.

Is there a limit to the number of Bill Payment accounts I can set up?
Yes, you are limited to one Bill Payment account.

When are funds debited from my checking account?
On the process date, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days.

What do payees actually receive?
Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

How do I know which account my bill payments are made from?
Please contact your Marine Bank of the Florida Keys for this information.

When may bill payments be scheduled for processing?
The Bill Payment processor processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.

How is the payment deducted from my checking account?
The payment is deducted by direct ACH debit.

Are payments made electronically or by check?
Payments are made either by paper check or electronically by ACH credit. The method employed on any single payment depends on whether the Bill Payment processor has established an electronic payment relationship with the payee and they are found on the electronic payee database.

Who can be paid using the Bill Payment user interface?
Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.

Can I pay my bills on the weekend?
You may set up your payments during the weekend. However, Bill Payment prohibits you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for Sunday are processed the day before. Therefore, when scheduling payments on a weekend, the first day you may schedule payments (single payment or the first of a recurring payment) is the first business day following the weekend.

What are the Federal Reserve holidays for 2006?
The Federal Reserve Board's bank holidays for 2006 are:
• New Year's Day - January 2
• Martin Luther King, Jr. Day - January 16
• President's Day - February 20
• Memorial Day - May 29
• Independence Day - July 4
• Labor Day - September 4
• Columbus Day - October 9
• Veteran’s Day - November 11
• Thanksgiving Day - November 23
• Christmas Day - December 25

What are the Federal Reserve holidays for 2007?
The Federal Reserve Board's bank holidays for 2007 are:
• New Year's Day - January 1
• Martin Luther King, Jr. Day - January 15
• President's Day - February 19
• Memorial Day - May 28
• Independence Day - July 4
• Labor Day - September 3
• Columbus Day - October 8
• Veteran’s Day - November 12
• Thanksgiving Day - November 22
• Christmas Day - December 25

What is the lead-time for processing payments?
The payee will be in receipt of payment within three (3) banking business days for an electronic payee and five (5) banking business days if the payee is paid by check.

How are multiple bill payments within a single day debited?
Each bill payment is debited separately.

Explain the timing of payment debits and credits.
All debits and credits are sent out (at the same time) on the process date you designate.

Does the Bill Payment processor use a "process date" or "due date" processing
model?
The Bill Payment processor uses the 'process date' model. Under the process date model, payments are initiated on the process date you designate. Special rules govern when payments are processed for particular days, so please refer to the Schedule Payments/Bill Pay Help section. The process date model is advantageous because it reduces confusion about the timing of the payment debit and when payees are in receipt of payment.

Does the Bill Payment processor have payment amount limits?
The Bill Payment processor has a payment cap of $ 9999.00, regardless of how the payment is disbursed. The Bill Payment user interface limits the entry of payment amounts greater than this amount.

If I select an erroneous electronic payee and this causes a posting delay and late charge, what is the process and who bears the burden of the late charge?
If you select an electronic payee address that matches your payment coupon exactly and the Bill Payment processor routes the payment to a different payment center, the Bill Payment processor is responsible for the late charge and will reimburse any payeeimposed late fees, up to $50.00. If you select an electronic payee with an address that is different from that indicated on the payment coupon, you are responsible for the late charge. You always have the option to manually set up a payee with the (correct) address found on the payment coupon.

How do I place a 'stop payment' on a bill payment?
A payment may be edited or deleted anytime before the payment is processed. For stop payment requests initiated after processing, you must contact the Bill Payment processor Customer Support. Payments remitted electronically cannot be stopped.

Who handles customer support for Bill Payment?
The Support Inquiry section of Customer Support provides examples and a method to contact Customer Support by e-mail or telephone. Links to Customer Support Inquiry are displayed at the bottom of most Bill Payment pages.

What are the Bill Payment processor' support hours?
Customer support hours includes telephone coverage for the following periods:
• Monday-Friday: 7:00am-9:00pm CST (8:00am-10:00pm EST)
• Saturday: 8:30am-5:00pm CST (9:30am-6:00pm EST)
• Sunday: Closed

What if my account information is incorrect?
To change your address and phone number, you must contact Marine Bank of the Florida Keys directly.

Who should I contact if I am locked out?
After your third attempt at submitting an incorrect password, you must contact the Bill Payment processor to request your bill payment account be unlocked.

How do I close my Bill Payment account?
Contact Marine Bank of the Florida Keys for information to close your Bill Payment account.