Online Banking Help
You may wish to print this and keep it in your bank file for future reference.
ONLINE BANKING
At the left hand side of the screen, click on the words, "First Time User." This will take you to the first time login screen.
FIRST TIME USER
Please enter in your checking or savings account number under 'Access ID' and select the appropriate account type. Your account number directs our system to focus on that account and any related accounts which you are a signer on in that portfolio.
Your initial password is selected by you upon opening your account. This is the method we use to verify your identity online. If you do not remember your initial password please call Customer Support at 802.728.9611.
Click 'Submit' when you are finished.
ACCESS ID AND PASSWORD
Now you may create your own Access ID and password. Please note that the Access ID and password are case sensitive. Your Access ID must be at least six characters long and contain no spaces. It does not require a mixture of letters, numbers or characters but we do recommend it. Your password must be at least seven characters long but no more than seventeen. It must contain a mixture of letters and numbers. To assure that we will be storing your password correctly we ask you to reconfirm it by retyping it in the designated area.
Select whether you would like to register the computer you are on, or if it is a public computer and you do not feel comfortable registering it. Please note, if you do not register the computer you are using you will be asked a security challenge question every time you login to online banking in the future. If you do not enter your password or challenge questions in correctly than you will be locked out after the third try. Only Customer Support has the ability to unlock you. Click 'Submit' when you are finished.
SET SECURITY DATA
To protect our customers against security threats we ask you to fill out the information below.
Please type in your e-mail address and reconfirm it. If you forget your password this is the e-mail address we will use to send it to.
The Authentication Image and Passphrase are anti-phising tools. The phising scam has become a serious threat to consumers. Criminals will copy a merchant's or bank's website page with the intention of gaining your card number and personal information. To protect our customers, we issue a randomly generated image that is uniquely yours and ask that you create a phrase that is linked to it. These two items should automatically appear in the future when you are typing in your password. If they do not, please exit out of the website immediately. You could be a potential victim of phising.
Next, choose three security challenge questions that you will remember and create answers for them. You will be asked a question in the event that you enter in your password incorrectly or you use a computer which you have not registered.
Click 'Submit' when you are finished.
DISCLOSURES
Our disclosures are meant to inform you of the legalities of online banking which includes your rights and our duty to protect your information. Click 'Accept' to enter online banking.
CONGRATULATIONS!
You have successfully created your RNB online banking account. Now you have the ability to make transfers, view your activity and pay bills at your convenience.
The Account Balance Inquiry displays up-to-date information including: Current Balance, Activity Information and Interest Information. Balances are displayed according to the type of account.
All accounts associated with your user code and password will be categorized in the account list. The account list includes:
- Account Number
- Type of Account (Checking, Savings, Certificate of Deposit and Loans)
- Current Balance
- Available Balance
- Current Principal
- Account Nickname
Click on the account number to view a single account.
Certificate of Deposit Account Inquiry
For Certificate of Deposit Account Inquiries, select your Certificate of Deposit account from the List of Accounts by clicking the "List of Accounts" button. Your Certificate of Deposit account is separated into four sections: Interest Information, Balance Information, Maturity Information and Account Information.
Interest Information includes:
- Rate (Interest Rate Paid)
- Current Accrued Interest
- Next Interest Date and Amount
- Interest Paid Current Year
- Interest Paid Last Year
- Interest Paid by Check, Checking Account or Savings Account
Balance Information includes:
- Current Balance
Maturity Information includes:
- Maturity Date
- Term
Account Information:
- Institution defined Message
For Checking Account Inquiries, select your checking account number from the List of Accounts by clicking the "List of Accounts" button. Your Checking Account Inquiry is separated into three sections: Activity Information, Interest Information and Balance Information.
Activity Information includes:
- Balance and Date Last Statement
- Last Deposit Date and Amount
- Last Check Date and Amoun
Interest Information includes:
- Current Accrued Interest
- Interest Paid (Current Year)
- Interest Paid (Previous Year)
Balance Information includes:
- Available Balance
- Current Balance
For Loan Account Inquiries, select your Loan account from the List of Accounts by clicking the "List of Accounts" button. The Loan Account Inquiry is separated into five sections: Payment Information, Interest Information, Balance Information, Escrow Information and Other Date Information.
Payment Information includes:
- Current Amount Due and the Payment Date
- Amount Past Due
- The Last Payment Date and Amount
- A summary message displaying which account the payment will be deducted from is controlled by the institution and may or may not be displayed each time when logging in.
Interest Information includes:
- Interest Paid (Current Year)
- Interest Paid (Previous Year)
- One Day's Interest
Balance Information includes:
- Principal Balance (the total principal balance of the loan)
- Interest Balance (the total Interest balance of the loan)
- Late Charge Balance
- Estimated Net Payoff (the estimated total amount due to payoff the loan)
Escrow Information includes:
- Last Disbursement Date and Amount
- Taxes Paid (Current Year)
- Taxes Paid (Previous Year)
- Insurance Paid (Current Year)
- Insurance Paid (Previous Year)
Other Date Information includes:
- Original Loan Date (the date the note was originated)
- Maturity Date
For Savings Account Inquiries, select your Savings account from the List of Accounts by clicking the "List of Accounts" button. Your Savings Account Inquiry is separated into four sections: Activity Information, Interest Information, Balance Information and Maturity Information.
Activity Information includes:
- Balance Last Statement and Amount
- Last Deposit Date and Amount
- Last Withdrawal Date and Amount
Interest Information includes:
- Current Rate (The current interest percentage rate on the account)
- Current Accrued Interest
- Interest Paid (Current Year)
- Interest Paid (Previous Year)
Balance Information includes:
- Current Balance
- Available Balance
Maturity Information includes:
- Maturity Date
- Term
To change an existing account nickname, complete the following:
- Select "Change Nicknames" from the Options menu.
- Click the check box for the account description to be changed, and a text box will be displayed to allow editing of the nickname.
- Enter the new nickname in the text box and click the "Submit" button.
To change your password, complete the following:
- Select "Change Password" from the Options menu.
- Enter the Current Password.
- Enter the New Password and verify it by re-entering in the Confirm New Password field.
- Click the "Submit" button.
The "Account To Date" button provides all activity from the time the account was opened. The Account To Date option is only valid for Loans and Certificates of Deposit.
The "Current Business Day" button displays all the transactions that are pending for the current business day.
The "Current Statement" button displays all the transactions that have occurred during the current cycle.
The "Current Year" button displays all transaction information that has occurred during the current year. The Current Year option is only valid for Loans and Certificates of Deposit.
The "Date Last Interest" button displays all transactions that have occurred before interest has been calculated.
Exporting Transaction Information
Export transaction information for use with a personal finance application, such as Quicken™ or Microsoft Money™. Randolph National Bank does not provide assistance with this feature. If you have questions, please refer to your software manufacturer for help.
These general guidelines will help you to export transactions: into a personal application, complete the Transaction Search options on the Transaction Menu screen, or select "Transactions Export" from the Transactions menu. Click the "Export" button to complete the export process.
Additionally, clicking the "Display" button on the Transaction menu displays a complete list of transactions. Select the Export check box for each item to be exported. If the check box in the title bar is selected, all displayed items are automatically selected for export. Click the check box a second time to de-select all items.
Note: Special printing is available on export item lists.
There are several transfer formats that may be supported for transaction export. Select a format from the Export Format drop-down list box based on the type of software you have installed on your computer.
The list below details possible format types:
.CSV - Comma Separated - Microsoft Excel™
.QIF - Quicken™ then click OK at message to load.
.IIF - Quickbooks™
.QFX - Quicken™ version 2005 or later then click OK at message to load.
.QBO - Quickbooks™ version 2005 or later
.OFX - Money™
Quicken™ and Quickbooks™ are products of Intuit™.
Money™ is a product of Microsoft
The "Log Out/Home" button allows you to exit the browser application and return to Randolph National Bank's website. Be certain to click on the "Log Out/Home" button when you are finished with your session to help secure your privacy from potential hackers.
The "Previous Business Day" button displays all transactions that occurred on the previous business day.
The "Previous Statement" button displays all transactions that occurred during the last complete statement cycle.
The "Previous Year" button displays all transactions that occurred the previous year. The Previous Year option is only valid for Loans and Certificates of Deposits.
The "Print" icon is displayed in the right-hand corner of any transaction list that supports "printer-friendly" document printing. Click on this icon to print displayed item lists without printing background colors and graphics.
The "Since Last Log In" button displays a list of transaction items processed on previous business days since the last time you logged on. This button is only displayed the first time the account is accessed on a given business day.
The Transaction List provides a list of all transactions associated with your selected account. The list includes the following headings:
- Debit and Credit headings are displayed individually enabling the calculation and display of a running balance.
- Date identifies the date the transaction occurred.
- Balance reflects the difference between the debit total and credit total of an account.
To display a transcript of your checking and savings transactions, click the appropriate button:
- Current Statement will display all the transactions that have occurred during the present cycle.
- Previous Statement will display all the transactions that occurred during the last statement cycle.
- Previous Business Day will display all the transactions that occurred on the last business day.
- Current Business Day will display all the transactions that have occurred as presentments to your account today.
- Current Year will display all the transactions that have occurred during the current year.
- Previous Year will display all the transactions that occurred last year.
- Account To Date will display all transactions that have occurred from the time the account was opened.
- Date Last Interest will display all transactions associated with the account that have occurred prior to interest being calculated.
Note: Special printing is available on transactions lists.
The Transaction Menu supplies an all-in-one page listing of account information. From this page, account balances, deposit information, previous account information, transaction searches and image searches can be completed. The Transaction Menu includes seven sections:
Summary Information includes:
- Last Deposit Date and Amounts
- Last Check Date and Amounts
The Current Business Day Activity section contains account items that have yet to be cleared. The information displayed in this section is adjusted according to posted debits and credits. The Current Business Day Activity section includes:
- Current Balance
- Credits
- Debits
- Projected Balance
The Previous Business Day Activity section details account information from the previous business day transactions. Total Debit and credits lead to a current balance. Previous Business Day Activity includes:
- Previous Balance
- Credits
- Debits
- Current Balance
The Current Statement Cycle contains all information for the current statement. Current Statement Cycle includes:
- Previous Balance
- Credits
- Debits
- Current Balance
The Previous Statement Cycle includes transaction information from the previous statement. Previous Statement Cycle includes:
- Previous Balance
- Credits
- Debits
- Current Balance
The Transaction Search section allows for specific transaction research. Transaction information can be categorized by type, date or amount. Any one or all three of these search criteria can be used to narrow the generated list of items. Transaction Search includes the following options:
Cycle
A list of default cycles can be selected from the drop-down list box. Cycles include:
- All
- Previous Business Day
- Current Statement
- Previous Statement
Transaction Type
A list of Transactions Types can be selected from the drop-down list box. Transaction Type includes:
- Credits
- Deposit
- Check
Sort By
A transaction list can be generated using "sort by" properties:
- Date-Descending
- Check Number-Ascending
- Check Number-Descending
- Description
- Transaction Type
- Amount-Ascending
- Amount-Descending Date: A range of dates can be entered to create a list containing just those items between certain dates.
- Amount: A range of amounts can be entered to create a list containing just those amounts.
- Check Number: A range of check numbers can be entered to create a list containing just those items.
- Export Format: The transaction search can be exported into any one of the following separately purchased programs.
- Quicken™ Interchange Format
- Intuits Quickbooks™
- Microsoft Money™
- Microsoft Excel™
- Date of Last Export: Displays the date of the last export.
All Transfers on your accounts are conveniently listed on one screen. The accounts are organized by "To Account", indicating the account number which is receiving the transfer. The list includes:
- The Account that the transfer is being sent to.
- The Next Transfer Amount to be made.
- The Next Date the transfer is to be made.
- The Last Amount transferred.
- The Last Date the transfer was made to this account.
- Frequency.
- Remaining Transfers.
- A Description of the transfer.
The Transfer List conveniently provides a list of all transfers associated with the Usercode. Each transfer is displayed with a detailed view of information such as where the transfer is going, what the transfer is for, when the next transfer will take place and the transfer amount.
Multiple transfers can be made by simply selecting more than one transfer and clicking the "Next" button.
Make Transfers From includes:
- Transfer From. View transfers made from other accounts by selecting the account from the drop-down list.
Balance Information includes:
- Current Balance
Transfer List includes:
- Select. Check the Select check box to edit the transfer. Make changes and click the "Next" button to update the transfer.
- Transfer To. Indicates the account that is receiving the Transfer.
- Details. Details allows a summary view of the Transfer information.
- Descriptions. A description of the Transfer.
- Next Transfer Date
- Transfer Amount
- Transfer Total. The Transfer Total is the total of all transfer amounts defined using the "From" and "Through" date fields. Enter a range of dates in the "From" and "Through" fields to view the total of transfers scheduled within that time period.
- Balance if All Transferred. The Balance if All Transferred is the account balance minus all transfer amounts included in the Transfer Total. This balance does not include future deposits or future withdrawals (e.g., checks, ATM activity) not previously scheduled as payments.
Click a heading to sort transfers by that parameter.
Click the "Delete" button to delete (cancel) an existing transfer. A confirmation is displayed verifying the transfer to be deleted. Click the "Submit" button to finish.
To Delete (cancel) a scheduled transfer, select the account that is making the transfer from the List of Accounts by clicking the "List of Accounts" button. From the Transfers drop-down menu, select "Transfer List". From the Transfer List, locate the specific transfer that is to be deleted and within the transfer area click the "Delete" button.
To change a Scheduled Transfer, select the account that is scheduled to make the transfer from the List of Accounts by clicking the "List of Accounts" button. From the Transfers drop-down menu, select "Transfer List". Once the Transfer List is displayed, select the transfer that is to be changed, and the Change a Scheduled Transfer page will be displayed. The following options can be changed:
- The "From Account" can be selected. This is the account the funds are going to be transferred from.
- The "To Account" can be selected. This is the account the funds are going to be transferred to.
- The Frequency can be changed by selecting another frequency from the drop-down list box.
- The Transfer Amount.
- The Transfer Date.
- The Number of Remaining transfers.
- The Description of the Transfer.
Click the "Submit" button to complete your request.
The Express Transfer area is used to easily transfer funds from one of your accounts to another.
Click the "Express Transfer" button, or select "Express Transfer" from the Transfers menu to display the Express Transfer page.
Select an account from the Transfer From drop-down list box. The current balance of the account is displayed, along with the total Transfer Amount and New Balance. (Note: Loan and checking accounts are displayed with New Available Balance.)
The Transfer To area displays a list of all other accounts that are able to receive funds from the Transfer From account. Dollar amounts to be transferred can be entered in the Transfer Amount boxes. Transfers to multiple accounts can be performed in a single procedure by entering amounts for more than one account. With each new amount added or changed, the Transfer Amount and New Balance totals in the Transfer From area are updated, as well as New Balance totals for each receiving account, if applicable.
When all transfers from the specified account have been entered, click the "Next" or "Submit" button (whichever is displayed).
If clicking the "Next" button, a Preview area is displayed to confirm the information entered. Once the express transfers are verified, click the "Submit" button. If changes are necessary, click the "Back" button to return to Express Transfers without completing the entered transfers.
Once submitted, a confirmation screen is displayed assigning a unique confirmation number for each transfer completed. Confirmation numbers may assist our support staff in answering questions regarding the transfer, so record this confirmation number for future reference.
To establish a transfer, select the account you want to make the transfer from the List of Accounts by clicking the "List of Accounts" button. From the "Transfers" drop-down menu, select "New Scheduled Transfer."
Transfers can occur either one-time or on a recurring basis. For a one-time transfer, select "Express Transfer" from the "Transfers" drop-down menu.
The following information is required when establishing a New Scheduled Transfer:
- Select the "From Account" number that you want to transfer the money to from the drop-down list box.
- Select the "To Account" number that you want to transfer the money to from the drop-down list box.
- Select the "Payment Type" from the drop-down list box.
-
Regular Payment
- Principal Only
- Select the Transfer Frequency from the drop-down list box.
- The Amount that you want to transfer.
- The Date on which the transfer will occur.
- The Number of Transfers.
- The Description of the transfer.
The Transfer Frequency is used to determine how often the transfer will be made. The Frequency drop-down list box includes the following options:
- On-Demand (Payment will occur once, based upon the next transfer date.)
- Monthly
- Quarterly
- Semi-annually
- Annually
- Weekly
- Bi-weekly
- Bi-monthly
To skip a scheduled transfer, select the account making the transfer from the List of Accounts by clicking the "List of Accounts" button. From the Transfer drop-down menu, select "Transfer List". From the established list of transfers, select the transfer that is to be skipped. Change the transfer date to the next month. Click the "Submit" button to complete the request. This will skip the current transfer date and transfer amount.
The Stop Payment option allows the customer to make a stop payment request on a check (not on POS or ACH transactions). To Stop a Payment, select the account from which the payment was established by clicking the "List of Accounts" button. Once the account information has been displayed, click on the Stop Payment button and select "Add Stop Pay" from the drop-down list. Complete the following options:
- Amount of the check.
- Number of the check.
- Payee is who received the payment or transaction.
Once these options have been completed a Preview screen is displayed if the "Next" button is clicked. A confirmation screen is then displayed indicating the stop payment request occurred with a reference number.
Remember...Stop Payments can only be made on checks that have not already appeared on your statement, so check your statement before applying a stop payment.
To view a current list of stop payments established for an account, navigate to the Stop Payment List screen from the Stop Payment button menu.
The Stop Payment List displays a list of all stop payments established for an account.
To display a Stop Payment List, select an account by clicking the "List of Accounts" button. Once the account information has been displayed, click the Stop Payment button and select "Stop Pay List" from the drop-down menu.
The Stop Payment List displays all stop payments for the selected account. Click the "Details" text of any stop payment to display further information, such as Number, Issue Date and Expiration Date.
Click a heading to sort stop payments by that parameter.
