First Suburban National Bank | Online Banking FAQs

Online Banking

Online Banking is a real-time online system that allows our customers a secure and convenient way to access their First Suburban National Bank accounts via the Internet. Online Banking is free for personal accounts.

What do I need to get started using NetTeller® online banking?

You need an Internet connection and a Web Browser that supports 128-bit encryption. You also need an account with our bank and an assigned user ID and password

How secure is NetTeller® online banking?

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your Social Security number or Tax ID number are never displayed on the NetTeller® online banking system.

What can I do to keep my information secure?

You can protect your identification and password in several ways.

Do not share your NetTeller® ID and password with others.
Do not give your information to anyone requesting it over the phone unless you have initiated the call.
When you enter your NetTeller® ID and password make sure no one is watching.
Avoid writing down your NetTeller® ID and password. If you find it necessary to write them down, make sure you store them in a secure place.
Do not use obvious information for your NetTeller® ID or password.
Always log out of the system.

We will never request your information via email. If you receive a request for account or personal information that appears to be from us please do not respond. Please contact your local branch and report the request.

Do I have to register to use NetTeller® online banking?

Yes, a one-time application is required to sign up for NetTeller® online banking. Enroll online or at any First Suburban National Bank branch. Once this form is received by the bank, we will issue a User ID number and password. Upon your first visit to the NetTeller® site you will be asked to select a password of your choice and that password will be used whenever you access NetTeller®. Your password must be four to eight digits containing letters and a number(s).

Can I change my User ID and password?

Yes, you can change your User ID and password as often as you want. Just click on the options tab and follow the simple instructions. Your password will expire every 180 days.

What if I forget my login information or am locked out?

As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect password being entered three times in a row. If your account is locked, please call a customer service representative at any branch during regular business hours. Upon proper identification, we will be happy to unlock the account and reset the password. This is only for the security of our customers and we apologize for any inconvenience.

What if I don't log off the system?

NetTeller® has a 10-minute time out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their User ID and password.

Are there limits on the number of transfers I can make?

Yes, depending on the type of account you have. For example, some accounts, such as some checking accounts, have no limits on the number of electronic funds transfers a customer can make, but, Money Market Accounts by federal regulation, are limited to three electronic funds transfers each month.

On a normal business day, how late can I make a funds transfer?

All transfers requested before 6:00 pm Central Standard Time will be processed that day. Any transfers after that time will post on the next business day.

What does the downloading feature do?

The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into financial software (i.e. Quicken or Microsoft Money)

How many statements can I see online?

You will be able to access the previous 90 days of account information. The statement file will begin to build from the date that you sign up for Online Banking.

What if I get an error message?

If you get an error message please make a note of the message, the error number, and the time. Then simply give us a call at 708.450.4100 and we will make every effort to resolve the issue as quickly as possible.

Bill Pay

What is Bill Pay?

Bill Pay is an online payment system that allows our customers to send an electronic or check remittance to any business/person within the United States.

Do I have to register to use Bill Pay?

Yes, a one-time application is required to sign up for Bill Pay. Enroll Online or at any First Suburban National Bank location. You will use your NetTeller® User ID and Password to access Bill Pay.

When and how are payments processed?

In general, bill payments may be scheduled for the current business day or any date in the future, and we will process your payment on the date you schedule. Payments submitted, recurring or one time, before 2:00 AM CST Monday - Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at Noon CST. Payments received after Noon CST on Monday - Thursday will be processed the next business day. Payments received after Noon CST on Friday will be processed the next business day.

All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before the date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.

Always allow 3-5 business days for electronic payments, 5-10 days for payments made by check.

Can I postdate single and/or recurring payments?

Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow you to schedule payments in the future or for the current date. If a monthly recurring payment is set up to be paid on the 15th and the current date is November 5th, a payment will be scheduled for November 15th and the 15th of every future month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Can I pay anyone using Online Bill Pay?

You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any government agencies.

How do I know if a payment to a payee is electronic or by check?

Once you have set up the payee, you can look at the VIEW PAYEES screen, and you will see a field that will tell you if the payee accepts electronic or check payments.

On the Payment History page, what does the ‘Status’ Field indicate?

Pending: The payment has been processed, but not yet sent.
Processed: The payment has been processed and sent.
Hold: The payment has a research request on it. This usually means that payment is incomplete, however, it can be processed when the issue is resolved.

Confirmation Numbers – Are they important?

Yes. A confirmation number will be assigned to each Electronic Bill Payment at the time you submit your request. The same confirmation number is also used each time you instruct us to amend or delete a previously scheduled Electronic Bill Payment. You may record these confirmation numbers for future reference if you wish. For your convenience, Electronic Bill Payment Confirmation Numbers for scheduled payments are stored in the system. Go to “Scheduled Payments” under main menu and then click “View.” They will help us answer any questions and expedite any request you may have about your Electronic Bill Payment transactions.

When I pay a bill, when does the money come out of my account?

If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank – just as if you had written it from your checkbook.

Do I need to re-enter payee information each month?

Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you will have to change each month is the amount you want to pay and the date you want the bill paid.

Who do I contact if I have a problem with Bill Pay?

If you have a problem with Bill Pay, call 708.450.4100.

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