What is Online Banking?
Think of Online Banking as a convenient way to extend your banking relationship with Eisenhower Bank. Online Banking allows you 24-hour access to your personal checking, savings, money market and CD account information as well as personal and mortgage loan balances. Eisenhower Online Banking offers you the convenience of being able to reconcile your accounts any time of day, pay your bills and transfer funds between selected accounts.
How safe is my account information
through Online Banking?
Eisenhower Bank uses a complete set of security tools, including encryption, firewalls and trusted operating systems, and a two-way authentication process. We make every effort, using multiple layers of security and passwords, to be sure your online transactions are secure and authentic to protect your money and your confidential information.
How do I enroll and set up my
enhanced security level login?
The first time you enroll with our new enhanced security, please perform these five easy-to-follow steps:
- Enter your Login ID. Click "Login".
- Enter your password. Click "Continue".
- Select your PassMark picture. (A PassMark is automatically provided. Click "Change Image" if you wish to choose a different PassMark.)
- Select a Phrase. (Enter a phrase that is secret and unique to you.) Click "Continue".
- Select your Challenge Question. (You can access the dropdown list by clicking the arrow button.) Enter the answer to your challenge question.
Repeat the process for Challenge Question #2 and #3.
- Click "Continue", verify enrollment, click "Continue", click "Access Accounts".
Why has Eisenhower Bank implemented
these new login procedures?
Your security is our top priority. The launch of this new security feature offers the latest in the protection against fraud and identity theft and offers peace of mind. This new feature helps to further confirm your identification when signing into our online banking service. The image, personal phrase and challenge questions work together to help protect your accounts and confirm the website’s validity.
Can I save my password?
For the protection of your accounts and to ensure the highest level of security, we discourage saving your password in memory. Eisenhower Bank reserves the right to require password changes. We recommend changing your password periodically. If for any reason your password has been compromised, notify us immediately.
How do I remove a saved password?
Open Internet Explorer. Click on: Tools, Internet Options, Content, and then Auto Complete. Uncheck “User names and passwords on forms,” then click on Clear Passwords and O.K.
What should I do if I login incorrectly
and get locked out?
Your Login ID and password will automatically reset in one hour. If this occurs during business hours, please call us and we will be happy to reset your login.
*Please note, the login page is case sensitive and appropriate dashes are required with the login ID.
Does Eisenhower Bank’s Online Banking interface with financial management software packages?
Yes. Currently, information is compatible with Microsoft Money®, Quicken® and Quickbooks®.
How do I use my personal checking account with Online Banking?
In addition to viewing your account activity and paying bills, you can still write checks and use your Eisenhower Allways Check® VISA Card for payments and ATM transactions. When your transactions post to your account, they will automatically appear in your activity.
Does Eisenhower Bank Online Banking offer check imaging?
Yes, check images of both front and back can be viewed up to 90 days after the check has posted to your account.
How can I view a check online?
To view a cleared check you must access the activity page, click on the check number, and then click on "view image."
How can I view my statement through Online Banking?
To view a statement online:
- Sign on to Online Banking and click on the "STATEMENTS" link at the top of the balances page.
- Select the account you wish to view from the drop-down list, select the month of the statement date from the drop-down list and type in the year (4-digits).
- Click on “VIEW STATEMENT” and then click on “Click here to open the PDF document in another browser window.”
How far back can I view statements?
Statements can be viewed for the past 13 months.
Can I opt out of receiving my paper statements now?
At this time, we do not offer the option to discontinue receiving paper statements. We are working on a solution that will provide the convenience of receiving electronic statements only.
Can I pay bills from my money market account?
Yes, bill payments can be made from your money market account. However, please remember, federal regulations limit the number of transfers from money market accounts to six per statement cycle, three of which may be made by check, draft, or debit card to third parties.
How do I setup new Billers with Eisenhower Bank Bill Pay?
To make the most of the bill payment feature, we suggest that you spend a few minutes collecting your bills and information about the companies you wish to pay.
First, set up a bill by clicking on the "Add a Bill" button. Select the type of bill you want to add, and then click "Continue." (If you have an account number for the bill, select that option to ensure that your payment is properly credited.) Type the name of the Biller, and then click "Search." If the correct name or company appears, type your account number with the biller, and then click “Continue.” You will receive a message that the company or person has been added.
To manually enter the Biller’s information, click on the link "Enter all the information for your bill," type the information in the required fields, click on "Continue," then click on the "Finish" button.
How do I make a payment?
To make a payment, click on the "Payment Center" button. Under Pay Bills, enter the amount for the bill you wish to pay. The system will automatically pre-fill the earliest available date in the "Pay Date" field, or you can click on the calendar to determine the next available date to schedule a payment. Click on "Send Payment," carefully review the information, click "Confirm Payments." You will receive a "Payment Complete" message and a confirmation number.
To verify the bills you have requested to pay, locate Pending Payments in the Payment Center.
Note: The money will be deducted from your checking account on the payment due date if the payment is sent electronically. If sent by check, it will be deducted from your account when the Biller processes the check. Your Biller will be paid by our processor – either electronically (ACH) or by a mailed check.
What should I do to ensure that my Biller receives my payment on the due date?
When you pay bills using Online Banking, payments must be scheduled at least five (5) business days in advance of their due dates.
Can I use Eisenhower Bank Online Banking to pay repeating bills automatically?
Yes. You can automatically create and send a payment to a Biller at the frequency you specify. Simply select the "Manage My Bills" button, select the Biller's name from the drop down box, then select "Add an automatic payment." On the right of the page, enter the payment amount, the first payment date, select the payment frequency, and the number of automatic payments (or until the automatic payment is cancelled.) Then click on the "Set Up Payment" button. Online Banking will automatically send the payments you have specified until you cancel the automatic payment.
Can I cancel a bill payment or automatic payment once it is initiated?
Yes. You can cancel any bill payment or automatic payment while its status is "Pending" or until processing has begun. You can cancel payments from the "Pending Payments" section located on the "Payment Center" page. Click on "Cancel," and then click "cancel payment."
What should I do if a Biller has not posted my payment?
Sometimes the Biller may not credit your account immediately after receiving a payment. If the payment is not credited in a reasonable amount of time, take the following steps to resolve the problem:
- Wait five days after the scheduled "Pay Date" to see if the Biller credits the payment to your account.
- If the payment is not applied to your account, call the Biller's customer service department to see if they received the payment and credited your account.
- When you call, gather the following information from the Biller:
- The name of the person who assisted you with your payment question.
- The phone number you called to contact the Biller.
- The date you called the Biller to inquire about your payment.
- The amount of any late fees or finance charges assessed.
- If you have received a late fee but scheduled your payment on time, ask the Biller if they will waive any late fees or finance charges.
- If the payment is not credited to your account or if the Biller will not waive the late fees, find the payment in the "Recent Payments" section on the "Payment Center" page. Click on the "View Bill History" link, and then click on the "View Detail" link to send us an inquiry on a payment.
How can I make a payment or advance a line of credit through Online Banking?
After signing on to Personal Online Banking, click on the TRANSFERS link to make a payment or advance your line of credit. You do not need to sign up for Bill Payment to make payments to your Eisenhower loans.
Can I make principal only payments to a consumer loan through Online Banking?
Yes. To make a principal only payment, first make a full payment for the current month. Then, make an additional payment for any amount under the monthly loan payment due amount, and it will be directly applied to principal if the next billing statement has not been mailed.
(Ex: If your payment due is $500, first pay that amount for the current month. Then, make a separate payment for any amount under $500 and it will be applied to principal. Payment amounts equal to or greater than the monthly installment will be applied as the next month’s payment.)
- NOTE: Memos entered in the “MEMO” field of the TRANSFER screen in Online Banking are for your record keeping purposes only. Information entered, such as “Please apply to principal”, is not taken into consideration as it is not seen by bank personnel until after the payment has been posted to your account.
Is there a minimum or maximum dollar amount allowed for loan/line of credit transfers?
There is no minimum or maximum dollar amount for loan/line payments made through Personal Online Banking. Line of credit advances are limited only to the available credit in your account.
When are funds available if the Personal Line of Credit is advanced?
Funds are available immediately in the checking, savings or money market accounts.
When are payments posted to loan accounts if paid through Personal Online Banking?
Payments are posted overnight to your loan account. It’s important to remember that transfers entered after 6:00 p.m. Central Time may not be processed until the following business day.
Can I schedule recurring loan payments through Personal Online Banking?
Yes. You can choose the frequency of your loan payment, or you can simply schedule a one time payment for today or a future business day.
How do I contact the bank if I have a question?
- Send a secure message through Online Banking.
- Email us at eb@eisenhowerbank.com and we'll respond to your message within 24 hours of receiving it during normal business hours Monday through Friday. When sending email messages, do not include any sensitive information like account numbers, balances, or passwords.
- Call (210) 227-7131 or (888) 777-0740 outside San Antonio.
By providing us with your name, mailing address, phone number, and a general description of your question, we can review your account activity and respond either by email or by phone. It is important that you send us a secure message through Online Banking, email us at eb@eisenhowerbank.com, or call us at (210) 227-7131 or (888) 777-0740 outside San Antonio if your email address has been changed since we will be communicating vital information regarding your Online Banking account.
For Bill Payment inquires, find the payment in Bill History, click "View Detail," and click "Payment Inquiry" to send us a message about the payment.
If you don't have access to your computer and you would still like to retrieve information about your checking account, call (210) 227-7131 or (888) 777-0740 outside San Antonio, and you'll receive information through TeleBank, our 24-hour automated telephone response service.
