2. How do I find Carroll Bank & Trust OnLine on the Internet?
Go to www.carrollbank.com. Select one of the options in the Online Banking box on the right side of your screen to go to the desired area of Online Banking: First time user or Login.
3. How do I signup for Online Banking?
You may signup online by selecting "First Time User" and following the onscreen prompts. After you sign up, you will be mailed an Access ID and Password. Following that, you will be able to access your accounts.
First Time Log In
(NOTE: The following is not a submitable form, It is just an EXAMPLE)
4. I request to be signed up for Online Banking, how long before I can begin using the service?
Your accounts will be activated when you receive a user ID and password in a few days, and you may begin using Online Banking then.
5. What are the system requirements to access Online Banking?
You need access to the Internet (by PC, web TV or other means). Your browser connection needs to be Internet Explorer 6.0 (or greater) or Netscape 6.0 (or greater). Your system should also be set up with 128–bit encryption. If your system does not have the correct version of browser software or encryption, you can download the appropriate version by going to www.microsoft.com .
6. What type of transactions can I complete from Online Banking?
You can review and print transaction statements, view and print paid checks, transfer funds between accounts, and pay bills. You can also select, sort and export transactions to personal financial management applications, such as Microsoft Money and Intuit’s Quicken.
7. What is the charge for using Carroll Bank & Trust OnLine?
Carroll Bank & Trust OnLine is a free service provided to Carroll Bank & Trust customers.
8. What do I enter in the Access ID and Password box (on the login screen)?
You will have to use the Access Id and Password we sent you the first time and create a new Access Id and password. Your Access ID is at least six characters. Your Password is 4-17 alphanumeric characters. (You may use either alphabetical or numeric characters). Both your Access ID and Password are case sensitive, which means that upper and lower case characters should be typed exactly as they were input when you initially created your log on information.
9. How do I change my password?
Once you are logged in to Carroll Bank & Trust OnLine, select the Option button, then select Change Password from the drop down menu. Enter your current password, then enter your new password twice. Your password may be 4-17 alphanumeric characters. (You may use either alphabetical or numeric characters). Remember that your password is case sensitive.
10. What do I do if I forget my password?
You may contact us by phone at 731-209-1630 or during your next bank visit to select a new password.
11. What happens if I incorrectly enter my password?
If you enter your Access ID or Password incorrectly three consecutive times, you will be locked out of Online Banking. This is one part of our comprehensive security plan to ensure confidentiality. To gain access again or to receive a new password, contact us by phone at 731-209-1630 or during your next bank visit.
12. Which accounts will I be able to view through Carroll Bank & Trust OnLine?
You may view any accounts on which you are one of the first three authorized signers.
13.How do I view my account balances?
You may view your account balances by selecting Accounts from the main menu near the top of the screen.
14. What screens can I print on Carroll Bank & Trust OnLine?
You may print any screen that appears within the Carroll Bank & Trust web site. To print, click on the Print option under File at the top left of your screen, or click on the Print icon in your toolbar near the top of the page.
15. Does the balance shown on the Accounts Summary page include all transactions that have posted to my account?
On Checking and Savings accounts, all memo posted transactions (transactions that have been presented to the account including those presented today) are included in the -balance, including ACH transactions and Online Banking transfers made during the day.
16. Is there anywhere in the Savings on my CD information that states the maturity date?
Yes, the maturity date is stated in the CD information section. You can obtain maturity information as well as information on the balance, interest received, interest rate, and transaction activity.
17. To and from which accounts can I complete transfers?
You may complete transfers to and from checking and savings accounts. You may also transfer from your checking or savings accounts to make a payment on your Carroll Bank & Trust loan.
18. How do I transfer funds between accounts?
To transfer funds between accounts, start on the Accounts Summary page and select Express Transfers from the main menu bar. Select the account that you are making the transfer from (ex: checking). Then select the account that you are making the transfer to (ex: savings). Type in the amount of the transfer.
You may also make transfers from within your account. Start on the Accounts Summary page, and select the account that you are making the transfer from (ex: checking). Then select Transfers from the main menu bar. Type in the amount and date of the transfer. Be sure to select the account that you wish to have the payment made to.
NOTE: When setting up a transfer using this feature, you must first select the account that you are making the transfer from. You can select this account from the Accounts Summary page. Then proceed with the transfer process.
19. Is there anywhere in the loan information section that states the loan rate?
Rate information for an existing loan is available in the Balance information section. You may access it by clicking on the Balance button.
20. Where can I find current interest rate information?
Carroll Bank & Trust does not provide current loan or deposit rates in its website due to the ever changing nature of the interest rate environment. Please contact your local branch or call 731-986-4401 for current rate information.
21. Can I make bill payments from my savings account?
To use bill payment, you must have a checking account. Bill payments are not available from your savings account.
22. What types of bills can I pay through the bill payment service?
You may pay almost any payee you wish. However, there are four restrictions:
The merchant must be located in the United States;
Payments may not be remitted to tax authorities or government and collection agencies;
Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities, and
Court directed payments are unauthorized (Alimony, child support, or other legal debts). A merchant is defined as anyone (company or individual) to whom you want to send money.
23. How will I set up my bill payment vendors?
To add vendors after your enrollment request has been approved:
Log onto Carroll Bank & Trust OnLine
Under “List of Bill payment accounts for ‘customer name’”, click on the Account Number listed next to Primary Account.
To set up payees, click on the My Payments tab
Click on Manage Payees
Click on Add New Payee. In the box next to Payee Name, enter the name of the business you will be paying, then click on Search.
If the Payee is already in the system, you will be prompted for your account number with that vendor, and then asked to confirm if this is your payee.
If the Payee is not in the system, a screen will appear prompting you for information about your Payee. Please allow up to 72 hours for verification of your payee’s information.
24. How will I know when a vendor has been approved?
A vendor that has not yet been approved will appear in red and have “pending” beside the vendor name. After a vendor has been approved, it will appear in black and have ”active” beside the vendor name.
25. How do I pay a bill or set up a recurring payment?
Log onto Carroll Bank & Trust OnLine.
Under “List of Bill payment accounts for ‘customer name’”, click on the Account Number listed next to Primary Account.
Click on the My Payments tab.
Select Single Payment if you are paying a bill that has an amount that will change each month, such as a credit card payment, or Recurring Payment if you are paying a bill that will always be the same amount, such as a mortgage or car payment.
Schedule your payment, and then click on Submit.
26. Can I use the bill payment service for my business?
Carroll Bank & Trust OnLine Bill Pay is not available to business customers.
27. What is the cost for using bill payment?
There is no charge for using the Carroll Bank & Trust OnLine Bill Pay service.
28. How many days in advance do I have to request a bill to be paid before it is due?
Please select the payment date a minimum of 5 days prior to when the bill is due. However, we suggest selecting a payment date 7-10 days prior, as many national companies may take longer to process the bill payment. Please be very careful when selecting the payment date to allow sufficient time for processing and mailing in order to avoid late fees from the company.
29. How do I know if a bill payment that I’ve requested to be paid has been paid from my account?
You may view all the transactions, including bill payments that have occurred on your account in the last two months, by selecting the Transactions button from the menu bar. By selecting the Current Business Day, you may view transactions that are pending on your account for today. You may also view a complete payment list by accessing the Bill Payments section in online banking.
30. When the bank sends my payment to a vendor, how does the vendor know to apply the payment to my account?
When you are setting up bill payments, you will be asked to enter your account number with the vendor. It is extremely important that this information is entered correctly, because this is what the company refers to when applying appropriate credit for the payment.
31. How do I delete a vendor from my bill payment vendor list?
You may delete a vendor from your bill payment vendor list by selecting My Payments, then Manage Payees. Select the payee you wish to delete, then select Yes.
32. What happens if I do not have sufficient funds in my account to make a recurring bill payment that I have set up?
If your account does not have sufficient funds in the available balance, Bill Pay will still attempt to make the payment. Because an attempt was made, the payment will appear on your bill payment screen as if the transaction was completed. However, during that night’s processing, the bill payment transaction will not be completed because there were not sufficient funds in your account to cover the requested bill payment. Bill payments are processed using available balances only.
33. How do I export my account data to Quicken or Microsoft Money?
To export transactions to a personal finance application, click the Transactions button for the selected account. Complete the search information and the format type. Quicken interchange format (.qif) = Quicken. Open financial exchange (.ofx) = Microsoft Money. Comma separated file (.csv) = Windows Clipboard. Intuit Quickbooks (.iif) = Quickbooks. Then click the Export button to complete the process.
34. How will I know when my transaction took place?
When you make a bill payment, funds transfer, or Express Transfer transaction, a date and time stamp will appear on your confirmation receipt.
35. Is there an online help section to help me navigate through Carroll Bank & Trust OnLine?
Yes, you may go to online help anytime by selecting Help from the menu bar. You may choose from a variety of topics.
36. Where else can I receive help for Carroll Bank & Trust OnLine?
You may speak with a customer service representative from 9:00 a.m. to 4:00 p.m., Monday through Friday, by calling 731-209-1610. You may also email your request to firstname.lastname@example.org.
37. Where can I receive help for Carroll Bank & Trust OnLine Bill Pay?
You may speak with a customer service representative from 9.00 a.m. to 4:00 p.m., Monday through Friday, by calling 731-209-1630 . We also have 24 hour, 7 day a week voice mail support at that same number. Just leave a message, and someone will call you back as quickly as possible.
38. How do I enlarge the size of the text as it appears on my screen?
You may change the size of the text by selecting View in the main header bar, then Text Size and selecting the size you prefer. Changing the viewing screen size of your monitor will also enlarge the text appearance.
39. What is the cut–off time to complete transfers on the current business day?
Transactions completed on Carroll Bank & Trust OnLine Monday–Friday, before 2:45 p.m., CT will post to your account that day. Transactions completed after 2:45 p.m. CT will post to your account the next business day. Transactions completed any time on Saturday and Sunday will post you your account on the next business day.
40. What is the cut–off time to complete bill payment transactions on the current business day?
Transactions completed on Carroll Bank & Trust OnLine Bill Pay Monday–Friday, before 2:45 p.m., ET will post to your account that day. Transactions completed after 2:45 p.m. ET will post to your account the next business day. Transactions completed any time on Saturday and Sunday will post you your account on the next business day.
41. How do I add accounts for viewing on Carroll Bank & Trust OnLine?
If you are not able to view all your accounts on Carroll Bank & Trust Online, please contact us by calling 731-209-1630.
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