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Frequently Asked Questions
Q. What is Online Banking?
A. Online Banking is a convenient way to access your accounts
anytime, anywhere you have access to the Internet. Using an Internet
browser such as Microsoft Internet Explorer or Netscape Navigator, you
can view your account information via the Internet. Online Banking
provides balance and transaction information and the ability to transfer
money between the accounts you have enrolled in Online Banking. You may
also stop payment on a check that has not yet cleared. In addition we
offer Online Bill Pay and the ability to order your checks online.
Online Bill Pay is the ultimate in bill payment convenience. Pay your
bills anywhere, anytime you are on the Internet for a minimal fee.
Q. Where do I get a Logon ID and Password for Online Banking?
A. If you have not done so, you need to enroll for Online Banking
in order to gain access to your accounts. There are two online
enrollment buttons. One is located in the upper right-hand corner of
every page, and the other is located on the Online Banking page. During
your enrollment, you will submit your name, social security number and
account information. This information will travel across secure lines to
our bank. Once we process your enrollment, your temporary Login ID and
temporary password will be issued to you via the US Postal Service.
Q. Is there any special software required?
A. No. Just an internet browser that supports 128-bit encryption.
The following browsers are all acceptable: Microsoft Internet Explorer
version 5.5 or higher (with Secure Sockets Layer support) or Netscape
Communicator version 6.2 or higher.
Q. Is Online Banking secure?
A. Yes. Besides using 128-bit encryption, Kearney Trust Company
Online Banking is built with several additional safeguards to ensure
your account information remains secure. Should someone attempt to
access your account portfolio using an incorrect password more than
three times, Kearney Trust Company will lock out the entire session from
use. The lockout can only be cleared by a Kearney Trust Company
employee. Should you forget to logout of Online Banking, your session
will automatically be terminated after 20 minutes of no activity.
Q. What if my ACCESS ID and/or PASSWORD don’t seem to work?
A. There are a couple solutions to this problem. The most common
issue is the placement of your CAPS LOCK key. Your ACCESS ID and
PASSWORD are case sensitive. The second most common issue is a complete
lockout of your account. If you weren’t sure of your PASSWORD, and began
guessing or didn’t realize that you were entering your PASSWORD in the
wrong case, you had only three chances to get it right. As a security
feature, we lockout all accounts if an incorrect PASSWORD is entered on
the third try. The only way to reset a lockout is to contact us by
calling 816-628-6666 during regular business hours. |