|
Frequently Asked Questions about
HVCB Online for Small Business
General Information
What is HVCB Online for Small Business?
HVCB Online for Small Business is a secure, easy and convenient way to manage your finances whenever and wherever you choose. With HVCB Online for Small Business, you can view account information, pay bills, transfer funds, initiate wire transfer instructions, and more.
(back to top)
What do I need to start banking online with
HVCB?
Banking online with HVCB is easy. All you need is:
-
A Hopewell Valley Community Bank Business Checking Account
-
A PC and an Internet Service Provider
-
A browser that supports 128-bit encryption
(back to top)
Are there any fees associated with HVCB Online for Small Business?
HVCB Online is FREE for our basic service, including bill payment, with a Hopewell Valley Community Bank Internet Checking Account. All fees will be charged to this primary business checking account for HVCB Online.
(back to top)
Is HVCB Online available for Macintosh® users?
Yes. Macintosh® users can access their HVCB accounts via the Internet as well as PC users.
(back to top)
Can I use HVCB Online for both my business and personal accounts?
Yes. If you are the only signer on your HVCB Business Checking Account, you can link your personal accounts to your HVCB Online for Small Business profile. This lets you access and move money between personal and business accounts through HVCB Online with a single ID and password.
(back to top)
How do I sign up for HVCB Online for Small Business?
Sign up by:
-
Downloading the application at *link*
-
Complete the application and drop it in the mail to:
Hopewell Valley Community Bank
Post Office Box 999
Pennington, New Jersey 08534
Or by visiting your local branch office.
(back to top)
How long does it take before I can start banking online?
If you enroll by completing the online application on www.HVCBonline.com, you can:
-
Select your ID and password immediately
-
See account balance information immediately
-
View deposit account transaction history and make transactions using your deposit accounts within 3 business days
If you enroll through the branch application process, you will:
-
Receive a letter with your ID within 7-10 business days
-
Receive your password under separate cover within 7-10 business days
-
Be able to view full account information and make transactions using your deposit accounts within 7-10 business days
(back to top)
Does HVCB Online for Small Business work with all browsers?
Because of the high security standard imposed by HVCB, HVCB Online may not work with all browsers. We have currently certified the following browsers for use with HVCB Online:
For Microsoft® Windows® 98, and Windows® 2000:
Netscape® Communicator 4.6 and 4.7
Microsoft® Internet Explorer 5.0 and 5.5
For Microsoft® Windows® NT 4.0:
Netscape® Communicator 4.6 and 4.76
Microsoft® Internet Explorer 5.0 and 5.5
For Macintosh® System:
Netscape® Communicator 4.6 and 4.7
Microsoft® Internet Explorer 4.5 and 5.0
(back to top)
Can I access HVCB Online from someone else's computer?
You can access your Hopewell Valley Community Bank accounts anywhere you have Internet access and a 128-bit browser. Simply type in your Login In and enter your Password. Your private information will not be stored on the computer you're using.
(back to top)
Can I download information from HVCB Online to Quicken®/QuickBooks® or Microsoft Money®?
You can download transaction information from HVCB Online to the personal financial management software programs Quicken or Microsoft Money. Active Statement is used for Microsoft Money 2001 (and newer versions). QIF download can be used for QuickBooks and Peachtree.
(back to top)
What is Active Statement?
Active Statement is a feature that simplifies the download process when you use Microsoft Money® financial management software. It allows you to automatically download your transactions, launch your Microsoft Money software, and reconcile your transactions all in one easy step. Active Statement download eliminates duplicate transactions due to multiple QIF downloads.
(back to top)
What is QIF Download?
QIF Download is a process that allows you to transfer your account information and transaction history from HVCB Online to a file with a .QIF extension (similar to a .doc or .xls file extension). This file can then be imported into a compatible financial management software of your choice, such as Quicken®, Quickbooks, Peachtree, or Microsoft Money®.
(back to top)
I’m an America Online user — will I be able to access HVCB Online?
Yes, as long as you are using a recommended Internet browser. If you are using AOL 4.0 or 5.0, Microsoft Internet Explorer is included with your AOL software. Please check to ensure that you are using Microsoft Internet Explorer 5.5. However, if you prefer to use a Netscape browser that you launch separately, please ensure you are using Netscape Navigator 4.08/Netscape Communicator 4.7.
(back to top)
Can I use HVCB Online with Web TV ?
Yes, you can use HVCB Online anywhere you are able to access the internet.
(back to top)
Can I use HVCB Online with my PDA ?
Yes, you can use HVCB Online anywhere you are able to access the internet.
(back to top)
Accounts
What accounts can I access?
HVCB Online for Small Business gives you convenient access to information about your HVCB:
Checking accounts, Savings accounts, Money Market accounts and CDs, including balance and transaction information.
Business Revolving Line of Credit, Commercial mortgage loans, and other business term loans.
(back to top)
How current are my account balances?
Deposit accounts reflect up-to-the-minute balance activity of all transactions completed through HVCB online. Credit account balances reflect current day transaction information completed through HVCB online, but not finance charges that may have accrued since your last statement cycle.
(back to top)
How many days of account activity are available?
You can review up to 180 calendar days of HVCB deposit and credit account activity. In addition, you may view up to 180 days of payment history made using HVCB Online’s Bill Payment.
(back to top)
Why are "X's" displayed within the account number?
To protect the privacy and confidentiality of your account information, HVCB Online for Small Business provides only the last four digits associated with your HVCB account number (e.g. xxxxxx1234). This way, if an unauthorized individual were to view your HVCB Online session, you would be protected from them seeing your entire HVCB account number.
(back to top)
Transfers
Can I transfer money from one account to another?
Yes. With HVCB Online for Small Business, you can transfer money instantly between eligible linked HVCB deposit accounts, such as checking, savings and money market accounts. The number of transfers that can be made from savings and money market accounts during a single month or statement cycle is limited by federal law.
(back to top)
Can I transfer money between my personal and business accounts at HVCB?
If you are the sole signer on your business account, you can transfer money between your business and personal deposit accounts if they are linked on HVCB Online. If our records indicate that your business account has multiple signatories, business and personal accounts cannot be linked on HVCB Online.
(back to top)
Can I schedule automated transfers?
Yes, the Recurring Transfer feature is designed to let you schedule recurring transfers automatically for as long as you require.
(back to top)
When are transfers processed?
Transfers are processed immediately. Your account balances are updated at the moment you receive the confirmation. Future-dated fund transfers between eligible accounts, including repeating transfers, are processed on the morning of the scheduled transfer date.
(back to top)
Bill Payment Service
How do I pay my bills using the Bill Payment Service?
Just schedule your bill payment at least 5 calendar days in advance of the payment due date, and let HVCB do the rest. When you initiate a bill payment using HVCB Online for Small Business, HVCB debits the funds from your account on the day the bank starts the payment process. If the payee is set up to receive electronic fund transfers, the funds are transferred electronically from your account to your payee. If the payee cannot accept electronic payments, HVCB will issue a paper check.
(back to top)
What types of bill payments can I make?
With HVCB Online for Small Business, you can pay almost any person or company in the U.S. However, payments going outside the U.S., court-ordered payments, tax payments or payments for which you must submit a document (e.g. parking tickets), cannot be paid using HVCB Online.
(back to top)
How long does it take before a merchant receives my payment?
Although most payments will reach a merchant within five days, some merchants may take longer to post the payment. Therefore, you may prefer to schedule your bill payments up to ten days before the due date. As you become more familiar with an individual merchant's posting habits, you can adjust your bill payment dates accordingly. It is important to note that the date you schedule a payment to be made is the date your account is debited and NOT the date the merchant will receive the payment.
(back to top)
How do I know if a payee can accept electronic payments?
When you set up a new payee, CheckFree's Online Bill Payment will tell you if the payee is able to receive electronic payments.
(back to top)
How can I set up an automatic electronic transfer from my account to another account?
You can only make transfers to your other Hopewell Valley Community Bank accounts at this time.
(back to top)
How do I know if a transfer or bill payment is successfully set up?
After setting up or modifying a transfer or bill payment, you will always have an opportunity to review and confirm the information you entered before it is sent to CheckFree. When you have successfully scheduled a future-dated transfer or bill payment, CheckFree will provide you with a reference number for this transaction.
(back to top)
How should I make my payments to Hopewell Valley Community Bank business loans? Is it better to use the transfer function or bill payment option?
To expedite your payment of your loan with us, it is recommended that you use the Transfer function rather than making regular bill payments.
(back to top)
Can I schedule recurring payments?
Yes. The Recurring Payment feature allows you to set up a recurring payment schedule lasting as long as you require.
(back to top)
Can I still write checks from accounts set up for HVCB Online for Small Business?
Yes. You may find occasions when you still need to write checks. For instance, you may want to write checks for payments that require documentation to accompany the payment, or for payments to payees outside of the U.S.
(back to top)
How far back can I review payment history?
Your past 180 days payment activity is available for your review.
(back to top)
Security
What does HVCB do with my information?
Your privacy is very important to us, as is safeguarding your information. Please review our Privacy Policy to find out how we protect your interests.
(back to top)
What is encryption and how is it used to protect my information?
Encryption is the transformation of data into an unreadable form, and decryption is the reversal of that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The security level of the key is dependent on the browser itself, and whether or not the browser is using 40- or 128-bit encryption.
The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet. HVCB requires a secure browser that supports 128-bit encryption to communicate with you. From the moment you enter your User ID until the moment you log off, all communications HVCB Online are encrypted to protect your privacy, and the confidentiality of your account information.
(back to top)
How can I be sure that no one else will be able to access my accounts?
While there are risks associated with all forms of electronic communication, using 128-bit encrypted browsers provides a powerful safeguard against unauthorized account access.
When you sign up for HVCB Online for Small Business you select your own password which you can change, just give us a call.
Your account numbers are "masked" as they are displayed. Asterisks will mask most digits of your account numbers to ensure your privacy.
To further protect your sensitive information, HVCB Online will automatically log you off after a period of inactivity during any session.
(back to top)
How do I know when my information is encrypted?
Your browser will display a closed lock (if using Netscape®) or completed picture of a key (if using Microsoft® Internet Explorer) on the bottom of your screen whenever information is encrypted. You will also notice that the address (URL) begins with "https" whenever your information is encrypted.
(back to top)
Customer Service
How can I contact HVCB Customer Service about HVCB Online for Small Business?
The quickest and most convenient way to make inquires or request information is to send a secure message to HVCB Customer Service while logged on to HVCB Online.
The privacy of your secure message is assured. As part of HVCB Online, secure messages uses the same 128-bit encryption technology that is used to protect your account activity and payment instructions.
You may also contact a dedicated customer service representative at (609)
466-2900 during our normal business hours. Or feel free to stop by any one of our branch locations.
(back to top)
What is secure messaging?
Secure messaging is your online E-mail resource for sending and receiving secure messages to and from HVCB Online. It's available 24 hours a day, 7 days a week. Secure messaging allows you to read messages, reply to messages, inquire about payments, and much more.
(back to top)
How long will it take Hopewell Valley Community Bank to respond to my message?
In most cases, we will respond to your secure message within 24 to 48 hours of receipt.
(back to top)
What happens if I forget my password?
As a security precaution, if you enter the password incorrectly three times in a row, you are blocked from accessing HVCB Online for Small Business. In this event, or if you forget your password:
If this happens, please call us at (609) 466-2900, and we will reset your password for you.
(back to top)
Hopewell Valley Community Bank. Equal Opportunity Lender. Member FDIC.
|
 |
 |
