Answers to Frequently Asked Questions

TABLE OF CONTENTS
 

GENERAL PRODUCT QUESTIONS (click here)

1.  What is Online Banking?

2.  How much does Online Banking and/or Bill Pay cost?
        Will I be charged the monthly Bill Pay fee even if I don't make any payments?

3.  How do I sign up for Online Banking?
        If you currently have a First Northern Bank checking account
        If you do NOT currently have a First Northern Bank checking account

4.  How long, after signing up, do I have to wait to use Online Banking?

5.  How do I log onto Online Banking for the first time?
       How do I change My password?
      What if I have problems with My password?

6.  What accounts can I access using Online Banking?

7.  How do account transfers work?

8.  Can I transfer to and from any account or loan?

9.  Can I use Quicken® or Microsoft Money® with Online Banking?

10.  How far back can I go to look at monthly account statements?

11.  Is one Online banking service available for both My personal and business accounts?

CASH MANAGEMENT SERVICES FOR BUSINESS ACCOUNTS (click here)

1.  What is Cash Management Services for Business Accounts?
        Cash Management Services includes

2.  Can I authorize access to anyone in My office or company?

USING THE BILL PAY SERVICE (click here)

1.  How do I sign up for Online Banking Bill Pay service?

2.  How do I start using Bill Pay?
       1^st step - Build a "Personal Payee List".
       2^nd step - Scheduling the date and amount for payment
      To ensure your payee(s) receives the payment on time:

3.  Which of My First Northern accounts can I use to pay My bills?

4.  Who can I pay?

5.  Is there anyone I shouldn't pay through Bill Pay?

6.  How are My bills paid?

7.  When is My account debited for My scheduled bills?

8.  Can I schedule recurring payments?
        How do I set up a recurring First Northern Bank loan payment?

9.  How do I cancel a bill payment or recurring payment?

10.  Can I add, change or delete a payee?

11.  Can I place a stop payment on a bill payment that has already been processed?

12.  What are "future payments" in the "View Postings" screen?

13.  What is the cut-off time to change or delete pending payments?

14.  What should I do if a payee has not posted My payment or I've received a late bill notice?

15.  What happens if I don't have enough money in My account to cover a Bill Payment?  Will I be notified?

SECURITY ISSUES (click here)

1.  How safe is My account information?
       Our Part in keeping your account information safe
       Your Part in keeping your account information safe

2.  Where can I find more detailed information about security?

3.  Can the Bank answer questions about My Internet Service connection or My computer?

4.  Can anyone else see My account information?

5.  Will an unauthorized person be able to access My accounts with Online Banking?

6.  Who is liable, the bank or me, if a "hacker" breaks into the system and takes all or some of My money?

MISCELLANEOUS INFORMATION (click here)

1.  Why does Online Banking load so slowly over the Internet?

2.  How do I contact the bank if I have a question or comment about Online Banking?

3.  What Internet browsers can I use with Online Banking?

4. Can I use Online Banking from outside the United States?

5. Do I have access to My account information via telephone?

If you do not find the question or answer you're looking for, send us you question at onlinesupport@thatsmybank.com and we'll be happy to answer it.

Member FDIC.  Equal Housing Lender