GENERAL PRODUCT QUESTIONS (click link below)
What is CSB Internet Banking?
How much does CSB Internet Banking and/or Bill Pay cost?
How do I sign up for CSB Internet Banking?
How long, after signing up, do I have to wait to use CSB?
How do I log onto CSB Internet Banking for the first time?
How do I change my Netteller pin?
What if I have problems with or forget my Netteller ID or pin?
What accounts can I access using CSB Internet Banking?
How do account transfers work?
Can I transfer to and from any account?
Can I use Quicken® or Microsoft Money® with CSB Online Banking?
Can I retrieve images of checks?
How much history is maintained on my accounts?

BILL PAYMENT SERVICE (click link below)
How do I sign up for CSB Internet Banking Bill Payment service?
How do I start using Bill Pay?
Which of my Bank accounts can I use to pay bills?
Who can I pay?
Is there anyone I shouldn’t pay through Bill Pay?
How are my bills paid?
When is my account debited for my scheduled bills?
Can I schedule recurring payments?
How do I cancel a bill payment or recurring payment?
Can I change or delete a payee?
Can I change a scheduled payment?
Can I place a stop payment on a bill payment that has already been processed?
What is the cut-off time to change or delete pending payments?
What should I do if a payee has not posted my payment or if I’ve received a late notice?
What happens if I don’t have enough money in my account to cover a Bill Payment? Will I be notified?

SECURITY ISSUES (click link below)
How safe is my account information?
Where can I find more detailed information about security?
Can the Bank answer questions about my internet service connection or my computer?
Can anyone else see my account information?
Who is liable, the Bank or me, if a "hacker" breaks into the system and takes all or some of my money?

MISCELLANEOUS INFORMATION (click link below)
Why does CSB Internet Banking load so slowly over the internet?
How do I contact the Bank if I have a question or comment about CSB Internet Banking?
What internet browsers can I use with CSB Internet Banking?
Can I access CSB Internet Banking from outside the United States?
What phone number do I call if I lose my debit card after bank business hours?

If you do not find the question or answer you're looking for, send us your question at netteller@csbnow.com, and we'll be happy to answer it.

GENERAL PRODUCT QUESTIONS

What is CSB Internet Banking?
Internet Banking lets you use a personal computer and telephone line (modem) to perform many banking activities via the internet, including viewing your account balances, transferring money, and paying bills.
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How much does CSB Internet Banking and/or Bill Pay cost?
Internet Banking is FREE when you use it to access account information, balance your checkbook and conduct transactions such as account transfers, etc. Personal Bill Pay service is available FREE for an unlimited number of transactions. Commercial Bill Pay is $10.00 per month for up to 50 transactions, and $.30 for each additional transaction. Each Bill Pay transaction will be deducted from your account on the day that the check or electronic transaction clears your bank account.  Refer to the "Bill Pay" section for detailed answers to your questions.
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How do I sign up for CSB Internet Banking?
Please visit one of our banking offices and see a customer service representative to sign up for CSB Internet Banking. If you wish to sign up for Bill Pay, you must login to your Internet Banking account and choose the “Set up as Bill Pay account option under any checking account and accept the terms.  You are immediately set up for Bill Pay at that point and will be charged according to the terms.
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How long, after signing up, do I have to wait to use CSB Internet Banking?
In most cases, you may use CSB Internet Banking the same day in which you sign up.  You will receive a login Id and Pin after signing the Internet Banking application and agreement
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How do I log onto CSB Internet Banking for the first time?

• Visit your bank’s Website.
• Select the Internet Banking tab.
• At the login screen:
• Enter your Netteller ID
• Enter your temporary pin
• After logging in you will be prompted to change your temporary pin

• Your password must be a minimum of 4 characters with a maximum of 12 characters in length. The system is case sensitive.
• For a more secure password, we suggest you use a combination of upper and lower case letters, numbers and/or hyphens. Do not make it something that can be easily guessed or figured out (i.e. your nickname, middle name, etc.)

You are now ready to use the service anytime and anywhere you have internet access.
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How do I change my pin?
You are able to change your pin any time you log on to CSB Internet Banking. Simply click the "Change Pin" button under Management, and then follow the directions.

• Your pin must be a minimum of 4 characters with a maximum of 12 characters in length. The system is case sensitive.
• For a more secure pin, we suggest you use a combination of upper and lower case letters and numbers. Do not make it something that can be easily guessed, like a nickname, middle name, etc.

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What if I have problems with or forget my Netteller ID or pin?
E-mail us at netteller@csbnow.com or call us at 1–800-369-5362 between 8:00 a.m. and 4:00 p.m. CST, Monday through Thursday, 8:00 a.m. to 6:00 p.m. Friday or 8:00 a.m. to 12:00 p.m. Saturday and we will assist you with a new pin.
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What accounts can I access using CSB Internet Banking?
You can access any personal checking account, money market, savings account, certificate of deposit, or loan you have with us. Note: certificate of deposit access will provide information only. You cannot request transfers to or from these accounts.
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How do account transfers work?
Transfers between Bank accounts requested before 6:00 p.m. CDT on a regular business day will be processed that same day. Transfers between Bank accounts requested after 6:00 p.m. CDT (or on a weekend or Bank holiday) will be processed the next business day. Note: Transfers from loans are not available at this time.
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Can I transfer to and from any account?
Account transfers are allowed to and from personal checking, NOW, savings, and money market accounts for which you are an owner on the account. You cannot transfer funds from an installment loan or line of credit, or from or into a certificate of deposit or IRA. Funds transfers into loans or lines of credit will be credited as payments.
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Can I use Quicken® or Microsoft Money® with CSB Internet Banking?
Yes, you can export posted transactions from Internet Banking history to your Microsoft Money®. Quicken® is currently unavailable.  Click the "Export" link at the end of the Transaction List. From the Select Export Format drop-down list box, select the appropriate file type. Then click the "Export" button to complete the process. 
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Can I retrieve images of checks?
We currently do not offer images of checks online. We are currently looking at ways to provide check images online.
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How much history is maintained on my accounts?
You'll be able to view current month and previous month transaction history beginning with the date you sign up for the CSB Service.
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USING THE BILL PAY SERVICE

How do I sign up for CSB Internet Banking Bill Payment service?
Bill Pay is an option you can sign up for when enrolling in CSB Internet Banking. For personal customers, there is no service charge with unlimited bill pays. For our business customers there is a monthly charge of $10.00 for up to 50 Bill Pays and $.30 for each additional Bill Pay.
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How do I start using Bill Pay?
First you must set up at least one checking account as a Bill Pay account.  To do so, you select the option “Set this account up for Bill Pay”.  To add a payee, click the "add payee" button and fill in the information requested, such as:

• The payee name.
• The address & city.
• The state & zip code.
• The phone number.
• Your Account Number.

Click the “Submit” button to save the information. You will need to complete this process for each payee you would like available to pay.  Next you will need to click on “Pay Bills”, once in the Bill Payment screen you will select the following:

The date of the first payment.

• The account in which you are paying from.
• The Payee.
• The date of the first payment.
• The frequency of the payment: (options are)
• One Time
• Monthly
• Quarterly
• Semiannually
• Annually
• Weekly
• Bimonthly
• The Expiration date.
• The description of what the payment is for.

Complete the procedure by clicking the "Submit" button.

NOTE: To ensure your payee(s) receives the payment on time, schedule all your payments at least seven (7) to ten (10) business days before your bill's due date. You can always adjust the lead-time as you observe how quickly a payee posts your payment.
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Which of my Bank accounts can I use to pay my bills?
Bill Pay Service is offered through your checking account with the Bank, or if you have more than one checking account, you may use any or all of them.
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Who can I pay?
You can make payments to virtually any business or individual located within the United States.
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Is there anyone I shouldn't pay through Bill Pay?
The Bill Payment service may not be used to make payments to settle securities purchases, federal and state tax payments, or court-ordered payments.
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How are my bills paid?
Each day at 12 noon CDT we process all bill payment transactions for that day. The money is sent to the payee one of two ways:

• Electronically through the ACH system.
• By draft (check) with your name listed as sender, mailed through the U.S. mail to your payee. The drafts are prepared and mailed by Princeton eCom, our Bill Pay service provider, in Princeton, New Jersey.

• The payment amount.
• The payment date.
• The frequency by selecting another frequency from the drop-down list box.
• The expiration date.
• The description.

Then click the "Submit" button to complete the request
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Can I place a stop payment on a bill payment that has already been processed?
We cannot place a stop payment on a bill payment that has already been processed and cleared.
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What is the cut-off time to change or delete pending payments?
You may cancel or change any scheduled payment through CSB by no later than 12 noon (Central Time) on the scheduled Payment Date.
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What should I do if a payee has not posted my payment or I've received a late notice?
First, you should always allow enough time for the payee to receive and post your payment. Remember to allow at least 48 hours for electronic payments and up to 7-10 days for check/draft payments. If you receive a late notice, and more than enough time was given for the payment, call the payee directly to ensure your payment and late notice did not cross in the mail. If you believe an error has occurred, you can e-mail us at netteller@csbnow.com with the payee's name, payment date, amount, account number, and telephone number or call us at 1-800-369-5362 and we can research the payment.
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What happens if I don't have enough money in my account to cover a Bill Payment? Will I be notified?
For electronic payments, if your account has sufficient overdraft protection to cover the payment, we'll draw against that, otherwise the payment will be canceled and not processed.  For check payments, if your account has sufficient overdraft protection to cover the payment, we'll draw against that, otherwise the check may be returned and may receive NSF and Overdraft charges on your account.
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SECURITY ISSUES

How safe is my account information?
Please refer to our "Security Statement" for the complete details of our security. Links to our Security Statement can also be found at the top left-hand side of the Bank's Web Site Home Page and on the first page of the Interenet Banking program.
 
Our Part in keeping your account information safe
We use commercially reasonable security technology to keep your account information safe. With encryption, firewalls, and trusted operating systems incorporated into our overall banking architecture, authentic transactions may take place over the internet with relative safety. No system is completely safe from third parties, however, especially the internet. As such, we cannot guarantee the security of all communications. Please refer to our "Security Statement" for the details of our security.
 
Your Part in keeping your account information safe
Your Netteller ID and Pin are confidential and you should exercise care when using them. Don't make your password something that can be easily guessed or figured out.

• Never lend your Netteller ID or Pin to anyone and never write them on your PC or any computer materials.
• Never accept advice from strangers while you are using it. Beware of fraudulent requests for your password by someone posing as a Bank employee. A Bank employee would never ask for this information!
• Never use a "Save Password" feature if offered by your browser. (This is a feature available in Microsoft Explorer 5.0) This would allow anyone who opens your browser access to your account information without needing a password.

Use a browser with 128-bit encryption. (Encryption is a method of scrambling information transmitted between you and the Bank.) Please refer to our "Security Statement" section for the more recommendations you can follow to ensure maximum security of your account information.
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Where can I find more detailed information about security?
Please refer to our online Security Statement for more detailed information on what we do to keep your banking information safe with Internet Banking, or click on Cert/CC link for additional information.
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Can the Bank answer questions about my internet service connection or my computer?
Your best source of information regarding any issues you have with your internet connection is your Internet Service Provider. Their customer service personnel are trained to answer all your internet connection questions. The same holds true for any questions about your computer. Contact the hardware manufacturer or software company for best results.
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Can anyone else see my account information?
No, your online account information is available only to those with an authorized Netteller ID and pin. The information is not public. For more information please refer to our Privacy Statement.
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Who is liable, the Bank or me, if a "hacker" breaks into the system and takes all or some of my money?
Your liability may be limited by a federal regulation (known as "Regulation E") against "unauthorized transactions" to your accounts. Please refer to the electronic disclosure information given to you when you signed up for CSB Internet Banking for more details. You may obtain another copy of this disclosure from any of our banking offices, or by calling us at 1-800-369-5362, or E-mail us at netteller@csbnow.com
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MISCELLANEOUS INFORMATION

Why does CSB Internet Banking load so slow over the internet?
A secure site such as CSB Online Banking will be slower due to the encryption process. Additionally, the capabilities of your computer, memory space available, modem, software, and Internet Service Provider all effect the speed at which the information travels. Please be patient, the slower speed is for both your and our security and protection. Some tips that can help if memory is the problem: click on your browser’s "Help" button to find how to make appropriate changes.

• Reduce the graphics - Graphics require extensive system resources, and can be eliminated to speed up the loading process.
• Clear your memory cache
• Shut down other programs you have running
• Change your wallpaper to a generic pattern.

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How do I contact the Bank if I have a question or comment about CSB Internet Banking?
If you have any questions, comments, or concerns you can e-mail us at netteller@csbnow.com or call us at
1-800-369-5362 from 8:00 a.m. to 4:00 p.m., Monday through Thursday, 8:00 a.m. to 6:00 p.m. Friday, or 8:00 a.m. to 12:00 p.m. Saturday. Please note that e-mail is not a secure environment like CSB Internet Banking. Please do not include any sensitive information in your email, such as account numbers, passwords, or social security numbers. Your name and a general description of your question will be sufficient to respond to your question.
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What internet browsers can I use with CSB Internet Banking?
You may use Microsoft Internet Explorer® (Versions 5.5 or higher) Netscape Navigator® (Versions 6.1 or higher). These browsers support secure transactions over the internet using Secure Socket Layer (SSL) protocol. If you get an error that has "CGI" in the title when you try to access CSB Internet Banking, your browser may have its "Java" turned off. You can turn the Java on in the Options or Preferences menu of your browser.
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Can I access CSB Internet Banking from outside the United States?
Yes! Just use a secure browser such as Netscape NavigatorTM or Microsoft Explorer®.
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What phone number do I call if I lose my debit card after bank business hours?
If you lose your debit card after business hours, please call NYCE at 1-888-849-6046 and report a lost and/or stolen card.  Please contact CSB the next business day to let us know also, so that we can take the necessary steps to protect your account.
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