DIGITAL BANKING & BILL PAY FAQ’S

Digital Banking is the quick, easy, secure, and smart way to manage your money. With Online Banking, you can:

• Check your account balances and review your transactions
• Confirm which checks, deposits, withdrawals, and ATM transactions have cleared
• Transfer funds between both internal and external accounts
• Export your banking information to your personal financial management software, such as Quicken®
• Communicate with Goppert Financial Bank Customer Service via secure messaging
• Temporarily raise your debit card limit
• Turn your debit card on or off if lost or stolen
• Manage your accounts with text and email alerts
• Nickname your accounts
• Pay bills online

Simply visit www.goppertfb.com and click “Enroll Now” to move through the easy-to-follow enrollment process.

Yes, you can access our site through almost any Internet Service Provider (ISP).

No, as long as you have access to a computer with Internet access and a browser that supports 128-bit encryption.

Customers can access Digital Banking with the following browsers:

• Internet Explorer®, Safari®, Chrome, Firefox
• Macintosh®: Safari®, Firefox®, Chrome

Just click here to review or print the Digital Banking Terms and Conditions.

These Terms and Conditions contain many details about our online services as well as information regarding important legal matters. If you would like a printed copy mailed to you, please contact Customer Service by calling 816-782-7400 or by sending a secure message from within Digital Banking.

If you can’t find the answer here, you can call Customer Service at 816-782-7400 or your local branch. This service is available: Monday through Friday 8:00 a.m. – 4:00 p.m. (CT). Or, you can ask your questions by sending a secure message from within Digital Banking.

For your protection, please keep in mind the following guidelines as you select a Username or Password for Digital Banking through the Internet:

• Username Requirements: Your Username must be at least 6 characters, but not longer than 32. (It is required to have a mixture of both letters and numbers). It may not contain the following characters: @ < > ? ‘ “. It is not case sensitive.
• Password Requirements: Your Password must be a minimum of 8 characters and a maximum of 32 characters in length. It is case sensitive, and should contain a mixture of lower-case letters, upper-case letters, at least one number and at least one special character besides letters and numbers: _ – . , @ : ? ! ( ) $ /.
• Additional Password Recommendations: To increase the security of your Online Banking, your Password should not contain any letter or number repeated 3 or more times consecutively, such as AAA or 111. Also, it should not include any part of your name or initials or any four consecutive numbers of your social security number, phone number or address. We recommend that you do not use common words. Finally, do not write down your Password or share it with others.

You may change your Password ID for Digital Banking through Digital Banking by clicking “Manage Profile”, “Change Password”. You will be asked to verify your current password and select a new password. As you select a new password, please refer to the guidelines above.

There are no fees for Digital Banking.

Web sites store information in a small text file on your computer called a cookie. When attempting to log in, if you receive a message that cookies must be enabled, and you have verified that cookies are enabled in your browser settings, please check to be sure that the date displayed on your computer is today’s date. If the date is incorrect, please adjust your computer settings to correct the date, and attempt to log in again (Instructions on changing your computer settings can be found in your computer’s Help file).

If you notify us of a loss, your liability for unauthorized transfers or payments will be as follows:

• If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Login Codes without your permission.
• If someone used your Login Codes without your permission, you could lose as much as $500 if you do not contact us within four business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
• Also, if your monthly statement shows transfers or payments that you did not make and you do not contact us within 60 days after the statement was mailed to you, you may not get back any funds lost in the 60 days, if we can prove that your contacting us would have prevented those losses.

Our service is highly secure, designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption.

Protecting the privacy and security of your confidential financial information is a top priority. Digital Banking uses state-of-the-art security levels with end-to-end encryption. Like an ATM “PIN”, your accounts are protected with a password which you should not write down or disclose to anyone. To gain a greater level of protection, we recommend changing your password on a regular basis. Only you should know your private Password, so you can be confident that your data is secure. Your Password is NOT known to your Internet service provider or to Goppert Financial Bank. You can also be sure you’re at our site by recognizing your PassMark and Phrase, which you choose yourself.

Digital Banking provides access to your Goppert Financial Bank checking, savings, and money market accounts, certificates of deposit, and Individual Retirement Accounts and personal loans.

Note: Only checking accounts are eligible for Bill Pay.

Your pending transactions are updated in real-time. These include transactions made at a Goppert Financial Bank ATM and in the teller line. Your account information (“Account Detail” and “Current Balance”) is updated every business day from the transactions that have cleared your account the previous day. Your “Available Balance” is the portion of your balance that is immediately available for use.

You may change your email address in the “Manage Contact Information” section of “Administration” inside of Digital Banking. To change your mailing address, you will need to send a secure message from within Digital Banking. Or visit any of our local branches to update your contact information.

Both are available in Digital Banking.

To enroll in the E-Statements service, log in to Goppert Financial Bank’s Digital Banking and click on the Documents tab to sign up. E-Statements are accessible anytime via Digital Banking.

You may reorder checks in the “Messages” section inside of Digital Banking. To reorder checks, you will need to choose a form to submit a secure message from within Digital Banking. You can also reorder on our website via the “Account Services” tab or call or visit your local branch.