FAQs
Q: How do I sign up for online banking?A: Navigate to our bank's web site (www.firstcherokeestate.com). Click Personal Banking Log-in, and click the "new user" link. Complete the form and submit the application. Once your application is approved, you will be able to log in to your account information online within two business days. In order to log in to your account online, you will need your User ID (social security number of the primary account holder) and the password you submitted with your online application.
Q: Why do I have to change my password so often?
A: First Cherokee State Bank provides a high level of encryption and security on our web site in order to protect your confidential information. You are required to change your password every 45 days in order to decrease the chances of someone obtaining your password and accessing your information online.
Q: Can I change my mailing address by e-mail?
A: We don't recommend sending sensitive information through e-mail. Also, we must have your signature on an authorized "Change of Address" form in order to make the change on our records. You can complete the form at one of our offices, or we'll be happy to mail or FAX the form to you.
Q: How do I view my account history online?
A: Once you log in to your account online, you will see your Account Summary. Click on the blue link under Account Title to view your account history since your last statement.
Q: How do I change my password?
A: Once you log in to your account online, click User Options at the top of your screen. Then click the blue Change Password link.
Q: How do I know that my online account information is secure?
A: First Cherokee State Bank uses 128-bit encryption to protect your information online. When you are navigating the account screens which contain confidential information, you will see a locked padlock icon in the lower right corner of your browser window. You will also see the prefix "https" in your browser's address bar, which means that the web page is secure.
Q: What is the fee for using Online Banking?
A: Our Online Banking feature is FREE. With this feature you can view your account activity and transfer funds between accounts. You can also design and print customized reports of past activity and download your information into money management software, such as Microsoft Money® or Quicken®.
Q: What is the fee for using electronic bill payment?
A: The monthly fee for electronic bill payment is $5.95 for an unlimited number of payments. Flat Fee Checking customers have FREE access to the bill payment feature.
Q: How do I sign up for electronic bill payment?
A: Once you have logged in to your account online, click the Bill Payment button at the top of your screen. Once your application is approved, you will receive via regular mail a PIN number which you will need to use the first time you access our online bill payment feature.
Q: How do I set up payees in electronic bill payment?
A: Once you have logged into your account information, click the Payees button at the top of your screen and follow the prompts.
Q: Can I export my account information into Quicken® or Microsoft Money®?
A: Yes. You can choose a download format at the bottom of the account history screen.
Q: Can I view all of my accounts on one screen?
A: All accounts listed under the same primary account holder and the same social security number can be viewed on one screen.
Q: When I use bill payment, are my bills paid by check or electronically?
A: Whenever possible, payments are sent to your payees electronically. However, not all payees are able to accept electronic payments, and therefore they will receive a paper check.
Q: When I use bill payment, what if the payee does not receive my payment?
A: You should call Bill Payment Service toll free at 1-866-735-8428. You will need to give Customer Service your customer ID and bill payment confirmation number for the payment in question. Bill payment issues are resolved promptly and efficiently.
Q: How often is my account information online updated?
A: Online information is updated three times daily (business days only).
Q: If I make an online account transfer of funds, when are the funds available?
A: The funds would be available on the next business day.
Q: Why is the balance on the ATM different from the balance on the bank's records?
A: The ATM/debit card system has a separate processor, and those balances are updated nightly. However, pending debit transactions that have not been cleared from the system may affect the balance that is given at an ATM location.
Q: How can I view payments I have set up?
A: A payment you have scheduled can be viewed under Pending Transactions up until the scheduled payment date.
Q: What happens if I lose my debit card or ATM card?
A: Call 770-517-1200 during our regular business hours to report a lost or stolen card. To report a lost or stolen card after banking hours, call 770-591-2780.
