Online Banking FAQs
Q. How do I sign up for Online Banking?
A. Simply click “Apply” from beneath the Online Banking login box, and fill out the application with your information. Once you’ve submitted your application, you will receive an email at the email address you provided with a verification link. You must confirm your identity by clicking on the link in the email when it arrives, from the same computer and browser you applied from and within one hour of submitting your application. Once you do, you’ll be able to log in to your account. Or, you can always stop by the bank, visit with a retail banker and complete a paper application.
Q. Is there a fee for Online Banking?
A. No, Online Banking is available free of charge to all KS StateBank clients.
Q. Is Online Banking safe?
A. KS StateBank uses state-of-the-art firewalls and security to protect client accounts and identities. We do this by:
- Using Secured Socket Layer (SSL) data encryption.
- Requiring clients to use a browser with 128-bit encryption.
- Never displaying Social Security Numbers over the Internet.
- Automatically disconnecting Online Banking sessions after 10 minutes of inactivity.
- Requiring a unique Online Banking ID and password to be entered before access is granted to account information.
- Utilizing a Password Security System. To keep unauthorized individuals from accessing client accounts by guessing their password, we have instituted a password lockout system. If a password is entered incorrectly three consecutive times, the user is “locked out” of the system.
- Requiring security questions to be entered upon first-time login which are used to ensure that the client is authorized to access the Online Banking account anytime they are using a different computer.
- Deactivating Online Banking accounts that are inactive for six (6) months.
Q. What is encryption?
A. Encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right “key.” When you request information about your accounts, the information is sent across the web in an encrypted format. When the information reaches you, it is decoded so that you and no one else can read it. When you see a small lock icon in the address bar of your browser, it indicates your data has been encrypted for transmission.
Q. Why do I need 128-bit encryption?
A. Because we are dedicated to a safe and secure Internet banking experience, we require that you use the highest security standards available. Many personal computers are currently running browsers with 40-bit encryption, and these must be updated at no charge. Simply click on the TEST YOUR BROWSER button next to the Online Banking login to check and update your browser if needed.
Q. Are there any options for adding additional security to my account?
A. Yes. KS StateBank offers Virtual Secure Tokens for Online Banking. A Virtual Secure Token is an additional level of security that can be used on your Online Banking account. Virtual Secure Tokens is accessed via a free mobile app called VIP Access that generates a one-time 6-digit code to use at each Online Banking login. The code remains on the screen for only 30 seconds. In conjunction with your login credentials, this helps ensure that your information is secure, further protecting you from potential fraud and identity theft.
Q. What can I do to protect my internet security?
A. While Online Banking works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Online Banking account information is protected including:
- Don’t reveal your Online Banking ID or password to anyone else. They are designed to protect your banking information, but it will only work if you keep them to yourself.
- Change your password frequently.
- Don’t walk away from your computer if you are in the middle of an Online Banking session.
- Once you have finished your Online Banking session, sign off before visiting other sites by clicking on the “Exit” button.
- If you notice suspicious or unusual activity on your Online Banking accounts, call us at 785-587-4000 or Toll Free at 800-588-6805.
- Do not change your pseudo names for your Online Banking accounts to your account numbers.
KS STATEBANK IS NOT RESPONSIBLE FOR CUSTOMER ERRORS OR NEGLIGENT USE OF ONLINE BANKING SERVICES. SEE OUR ONLINE BANKING SERVICES AGREEMENT FOR CUSTOMER RESPONSIBILITIES.
Q. Can I choose my own Online Banking ID and Password?
A. Initially you will automatically be assigned a unique Online Banking ID and password. The first time you log on to Online Banking you will be asked to choose a different password for security reasons. Passwords must be between 8 to 18 characters in length and be alpha/numeric (meaning it must have at least one letter and one number). If you include special characters in your password you may use the following: + _ % @ ! $ * ~. Passwords cannot match or contain your User ID. Passwords are also case-sensitive.
You will also have the option of setting up a Personal ID, such as your name, to use in place of your Online Banking User ID. Please note that your actual Online Banking ID does not change - when you log on, the system will accept either the original 12-digit Online Banking ID or the Personal ID you assign.
You may change your Personal ID and password as often as you would like, however the system will remember the last four passwords used.
Q. How do I change my Online Banking ID?
A. After you log on to Online Banking, select the “Options” tab. On this page you will be able to enter a new Online Banking ID in the “Enter New” box, and then click “Submit” at the bottom of the screen.
Q. How do I change my password?
A. After you log on to Online Banking, select the “Options” tab. You will be asked to enter your current password, then to type in your new password twice for verification purposes. You will be required to also add a Password Reset Question and Answer before saving your change. To save the change, click on “Submit."
Q. What is a watermark?
A. It’s an added layer of security based on your choosing an image that you will see on every page, each time you log on to Online Banking. When you see this image, you know you are on KS StateBank’s Online Banking page, and haven’t been redirected to a “copy-cat” website as part of an internet scam.
Q. How do I choose my watermark?
A. The first time you log on to Online Banking you will be prompted to select a watermark image immediately after setting up your password. Initially, a random image will appear, however you may use the “Next>>” button to move forward through the image library and “<<Prev” button to move backward until you find an image you like. Click on the image you want to use for your watermark.
Q. How do I change my watermark image?
A. After you log on to Online Banking, select the “Options” tab. On this page, click on your current watermark image, and you will be redirected to the image library where you can choose a new watermark image.
Q. What can I do if my Online Banking account is locked or blocked?
A. If you are unable to access your Online Banking account and you have received the message that your account has been locked or blocked, please contact Client Care at 785-587-4000 or Toll Free at 800-588-6805. We will assist you in resetting your password. You may also ask about the reset password feature which allows you to reset your online account on your own, if your account is ever locked or blocked in the future.
Q. I am trying to reset my password and it says that password self reset is not enabled on my account. How do I enable this on my account?
A. After you log on to Online Banking, select the “Options” tab. On this page under the “Modify Personal Settings” heading, you may enter a Password Reset Question and Password Reset Answer. Click “Submit” at the bottom of the screen to save this change. This setting will allow you to reset your password via email.
Q. Can my spouse and I have separate Online Banking IDs?
A. Yes, in fact that’s how we set you up. Since Online Banking ID’s are tied to Social Security Numbers, each signer on the account will have a different Online Banking ID and password that is unique to them.
Q. What should I do if I forget my password?
A. If you forget your password, simply call Client Care at 785-587-4000 or Toll Free at 800-588-6805 and we will be happy to reset your password for you. Or, if you’ve set up the option to self reset your password, click “Reset Password” and the system will allow you to reset your own password via email.
Q. How late in the day can I make a transfer between my KS StateBank accounts?
A. You can transfer funds 24 hours a day. However, if you would like the transfer to post on the same business day, the transfer must be initiated, and a confirmation number received, before 6:00 p.m. CT on business days Monday-Friday. All transfers made after 6:00 p.m. CT, on weekends, or on holidays will post the next business day.
Q. I signed up for Online Banking, but I am not able to view my past statements.
A. Only statements produced after you signed up for Online Banking are available online.
Q. How far back can I view my statements?
A. Statements are available to you for 18 months.
Q. When is Online Banking unavailable?
A. Occasionally, Online Banking will be temporarily unavailable during routine maintenance sessions. You will be notified of these dates and times prior to scheduled maintenance when you log on to Online Banking.
Q. Can I transfer funds or pay bills using Online Banking?
A. Yes, you may transfer funds between your checking and savings accounts with KS StateBank. You may also make payments to your loan from your accounts with Online Banking. Additionally, you may use our free Bill Payment feature within Online Banking to pay bills to electronic or check payees. For more information on Bill Payment, please contact Client Care at 785-587-4000 or Toll Free at 800-588-6805.
Q. What is real-time account access?
A. Real-time account access means that you see what the bank sees. In other words, you have access to the most current and accurate information pertaining to your account(s). If a transaction is pending for the current business day, you may not be able to see information such as the merchant name or the type of transaction. For example, if you see a transaction labeled “POD Captured Item” this is a check that is pending for the current business day. If you see a transaction labeled “ACH Processing” this is an ACH transaction that is pending for the current business day. Following business day processing, a more complete description can be viewed.
Q. What is the difference between current and available balance?
A. Your current balance is the total amount of funds currently in your account. Available balance is your current balance plus any available Bounce Protection (overdraft protection funds). Available balance will also include any holds that may have been placed on your deposits.
Q. My account numbers do not appear on Online Banking, how can I differentiate between my accounts?
A. Online Banking allows you to assign a pseudo name to each of your accounts so you can label them whatever is most convenient for you (i.e., Christmas Savings, Expense Account, Auto Loan, etc.). To assign pseudo names to your accounts, click on the “Options” tab. Next, click on “Account Display” which will list your accounts as they currently appear. You may rename the accounts in the box to the right of each account under “New Account Pseudo Name.” Once you have finished, click “Submit” at the bottom to save your changes.
Q. Why did the pseudo account names I set up disappear?
A. If you set up pseudo account names then requested maintenance changes to your Online Banking account listing (such as adding a child or spouse’s account), those pseudo names may be erased when the changes are made. If this has happened to you, please contact Client Care at 785-587-4000 or Toll Free at 800-588-6805 so that we may correct this for you.
Q. Can I customize the layout of my Online Banking screens?
A. Yes. Click on My View (listed in the sub-menu under Account Listing). My View is a series of widgets that allow you to customize your Online Banking account and prioritize the view of your layout in any way you see fit. To set My View as the screen you see immediately upon login, place a check mark in the box at the top labeled “Set As Start Page.”
Q. How do I change the widgets that I see on My View?
A. Click on the “Configure This Page” link at the top of the My View screen. The screen is broken down into three columns (left, center and right). One at a time, go through each column and “Add” any widgets you would like to see in that column, or “Hide” any widgets you do not wish to see on this screen. Once you have selected the widgets you wish to view, you can move them up or down in the listing so that they appear in the order you prefer on your My View page. This configuration can change at any time.
Q. Why would I use My View over the regular Online Banking screens?
A. My View provides you the ability to customize your banking experience to help simplify your account management. From one or two screens, you’ll be able to accomplish almost everything you wish to do within your account, without being required to leave one page and navigate to another.
Q. Can I access my Online Banking from my mobile phone?
A. While the KS StateBank website and Online Banking can both be accessed and viewed from web-enabled mobile phones, the Bank does offer Mobile Banking which was built in a mobile-friendly format. You can access Mobile Banking via mobile web at ksstatebank.mobi or by using the App for iPhone® or Android™ devices (including the Kindle Fire) available in your App store. Mobile Banking gives you access to most of the functions available in Online Banking, and is free for all KS StateBank clients.
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