Frequently Asked Questions
Q: What is Online Banking?
A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Online Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Online Banking Demo to see all the features of Online Banking and how you can personalize your banking experience.
Q: What is required to use Online Banking?
A: You must use a personal computer running an operating system such as Windows, NT Workstation or Macintosh OS and an internet browser which supports 128-bit encryption.
Q: How can I obtain a Browser that supports 128-bit encryption?
A:
Click here for the latest version of Internet Explorer:
Click here for the latest version of Netscape Navigator:
Click here to get the latest version of America Online.
Q: Is any of my personal information stored in the Online Banking service?
A: Yes, the Online Banking service stores your User ID, password and user preferences.
Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.
Q: What accounts will I be able to access through Online Banking?
A: You can access most of your checking, savings, and loan accounts from the Online Banking service. BSNB's Online Banking service is intended to give you as much access, security, and versatility as possible.
Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: What formats can I download my transaction history in?
A: Online Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.
Q: Can I schedule future transfers?
A: Not at this time. But in the future, you will be able to schedule open, future and recurring transfers.
Q: When can I use Online Banking services?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demo.
Q: How long can I be inactive before being logged out of Online Banking?
A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.
Q: How do I access Internet Banking?
A: You must first complete the Registration Form. After completing it online, print a copy before clicking 'submit'. Take your printed version, sign it and then fax it (518-885-4477) or mail it to us at PO Box 70, Attention: Online Banking, Ballston Spa, NY 12020. Once your registration is received, we will contact you within 24 hours and personally walk you through your initial access. Please note that you must have an existing checking or savings account before banking online.
Q: Can I create my own password that is easy for me to remember?
A: Yes, during the registration process, you will create a password. We encourage you to make it something that is easily remembered and follows the provided guidelines.
Q: What happens if I forget or lose my password?
A: Just call us at 518-363-8600 (option #1) and we will take you through the steps needed to get back into the system.
