When do I receive my log-in and password?
After enrollment, we will mail you your own personal log-in ID and a temporary password that you will be required to change the first time you log on.
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Which browsers are compatible with Online Banking?
Internet Explorer 5.5 or higher, and Netscape 6.0 or higher.

AOL users: Use AOL to sign on to the Internet and then minimize it. Bring up Internet Explorer or Netscape to use for browsing the Internet and signing on to Online Banking. We recommend that you upgrade to the latest version of Internet Explorer or Netscape and download their 128-bit secure version of their browser.
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I share a checking account with someone else. Do we both need to enroll or can we share the same log-in ID?
Since every customer has a unique relationship with our bank, each person wanting Online Banking must enroll. This allows us to distinguish between users and to tailor your access to your needs.
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Can I download information to my financial management software?
Yes, Online Banking can export to the leading personal finance management software packages available today, including Quicken® and Microsoft Money®. You may even convert your data into a comma delimited ASCII file.
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Are there times when I will not be able to access my accounts?
The system is available seven days a week, 24 hours a day although some system services may not be available due to emergency or scheduled maintenance. If you are able to get on the Internet, but unable to reach Online Banking, try again later. If the problem persists, e-mail us or call us at (812) 336-0201.
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Is Online Banking safe and secure?
Yes! It features password-controlled system entry, a VeriSign-issued Digital ID for the Bank's server, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

We recommend that you use the 128-bit secure versions of Internet Explorer and Netscape. You can help safeguard your information and the system by protecting your log-in ID and password. Memorize them and keep them secure.
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How should I set my password?
When you first enroll in Online Banking, we will send you a unique log-in ID and a password. The first time you log in to your account, you'll be prompted to change the password. You may then change your password as frequently as you like. Except for the temporary password selected when you enroll, your password will never be known to Bank personnel.

Follow these guidelines:

• Your password must be five to ten characters in length.
• You can use any combination of letters, numbers and hyphens.
• Your password is case-sensitive; i.e. "A" is not the same as "a".
• When changing your password, the new one cannot be the same as the most recent one.
• You are required to change your password the first time you access Online Banking.
• You should not use passwords associated with commonly known personal identification such as social security numbers, your name, children's names or birthdates.

How will the company in Online Bill Paybe paid?
Payees on the pre-selected list need only have the dollar amount entered for each payment; they receive payments electronically. Otherwise, a paper draft is created and mailed to the recipient. The draft indicates that the payment is on your behalf and to be credited to the account or invoice you indicated when you entered the payee.
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How will I know which companies are paid electronically and which ones by paper draft?
Payees who receive payments by paper draft are noted by an "*" next to their names in the list.
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How long does it take for the company I am paying to receive the payment?
Electronic payments normally take a maximum of three days. Paper drafts can take five to eight days. Take this into consideration when paying bills to avoid late charges.
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What date should I enter as the payment date?
The payment date is the date that you want the payment sent to the payee. This is not the date that your payment is due. Please remember to allow five to eight business days for payments made by paper draft and three business days for those made electronically.
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When will the payment amount be deducted from my checking account at the Bank?
Unless post-dated, the payment amount is deducted from your checking account the day you enter it.
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I have full access to two different checking accounts under my log-in ID. Can I use Bill Pay from different accounts?
Yes, you can pay individual bills from different checking accounts that you have full access to under your log-in ID.
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How can I cancel a payment in Bill Pay?
You may cancel a payment prior to 3:00 p.m. (EST) of the day the payment is to take place. If you wish to cancel a scheduled payment, click on the PAY BILL icon then click on the VIEW POSTINGS icon. Follow the online instructions on how to cancel the payment.
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What if I don't sign up for Bill Pay initially, but later decide that I want it?
No problem, just complete a new Enrollment Form.
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When will transfers take place?
If you make the transfer between Monroe Bank accounts before 7:00 p.m. (EST), your transfer will take place on the same business day, effective immediately after you make the transfer. If you make the transfer after 7:00 p.m. (EST), the transfer will take place on the next business day.
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Is there some way to keep me from inadvertently transferring money from an account?
Yes, you may designate any of your accounts as "view & deposit only" access and prevent transfers from those accounts. You can still view the accounts and transfer funds to them.
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I would like to be able to transfer money to my child's account. Can I do this without being an owner?
Yes, you can add "deposit only" accounts to your personal account list. Funds can be transferred to those accounts but no other access is allowed.
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I have an account at another bank. Can I transfer funds to it from my Monroe Bank account?
No, transfers can be made only between your accounts at Monroe Bank.
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Are there limits on the number of transfers I can make?
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 savings accounts and money market accounts. If you are unsure about the restrictions on your accounts, check with a customer service representative at (812) 336-0201.
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I will need to transfer money to my checking account next week for my house payment, but I will be out of town and will not have access to the Internet, what can I do?
You can enter your transfer anytime before you leave town and post-date the transfer to the actual date you want it to occur.
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