Asked Questions (FAQ)
all the routine banking you once did in person, including paying your
bills, can be done on your personal computer - from your home, office,
or any place you have Internet access. With Netteller Online, you can
bank any time of the day or night, every day of the year. It's easy to
do. It's fast, convenient and secure. It is yet another of the
state-of-the-art banking products and services that give our customers
the most advanced banking opportunities available. You'll find them all
right here at the Bank of Richmondville.
Netteller Online Banking
allows our customers convenient access to their accounts via the
Internet in a secured environment. Any PC with Internet access can
directly link you to your Bank of Richmondville accounts to Check
Balances, Transfer Funds, View and Print Daily Account Activity and
Download Account Information into spreadsheets or to Personal Financial
Software (restrictions apply). Basic
Online Banking is Free!
NETTELLER ONLINE banking allows you to:
Online is FREE when you access account information, transfer funds, or
view your statements.
Yes, an application is
required to sign up for Netteller Online Banking for each person who
wants access to their accounts. Upon receipt of the application, a User
ID number will be assigned and a letter with login instructions will be
forwarded once the application is processed. Upon initial login you
will be required to select a PIN of your choice.
Bank of Richmondville customers interested in applying for Online Banking can follow the link to our Internet banking “sign up” page. From there, once you’ve read and accepted our online banking agreement, you will be able to download an Online banking application. Complete the application and return it in person to any one of our branch locations, or mail to Bank of Richmondville, 857 E. Main Street, PO Box 40, Cobleskill, NY 12043.
allow a few business days for your application to be processed. Upon
receipt of a signed application, you will be notified of your assigned
ID so you can begin banking online immediately. (If you are a non-Bank
of Richmondville customer, you must open an account with us by visiting
a Bank of Richmondville office.)
of Richmondville customer who completes an application can gain access
to Netteller Online. All you need is
a secure Web browser and a computer that has access to the Internet.
Your Web browser must be able to support 128-bit SSL
encryption. Netscape Navigator® and Microsoft
Internet Explorer© are two popular SSL-enabled browsers.
You can Test Your Browser
Here to check the level of your encryption. If an update is required
you will be given further instructions.
signing on to the system for the first time, you will need to enter the
ID that the Bank of Richmondville has provided, along with the last
four digits of your Social Security number. This is your temporary,
one-time password (personal identification number or PIN). For security
reasons, you will be required to select a new PIN for subsequent use.
Click on the Online
Banking link, at the login page and enter your User ID and PIN number.
You will be shown a list of your accounts and the balance in each. From
the pull down menu, select the function for the account you are
interested in. Any additional
pages will have action buttons that will lead you through your
access general information for any Bank of Richmondville account for
which you are the account holder.
may be made between any Bank of Richmondville Checking, Statement
Savings, NOW, Money Market accounts and certain types of loans.
have access to your password and account information. If you lose or
forget your password, please contact a customer service representative
at the Bank of Richmondville at (518) 234-4397, Monday -
Friday, 9:00 a.m. – 5:00 p.m. to have your account
“unlocked” or “reset”.
will then be required to change your password the next time you access
your online account.
NOTE: For security purposes,
three consecutive invalid login attempts will "lock" you out of the
the privacy of your Internet Banking account, you may change your
password at any time by selecting the “Options”
link from the main menu. You will be required to enter your existing
password before entering the new one you have selected. You must choose
a 4 to 8 character, alphanumeric password.
page you can also Change User
ID - You may
create your own User ID. Reset Login
Count - To keep a closer watch on the security of your accounts, you
may wish to set your login count back to zero periodically. Change
Pseudo Account Name - You may create your own names for your bank
accounts. Display Options - You can choose how many of your accounts
that you would like displayed at a time and the order in which they are
We have extremely high
criteria for security of your online banking information. Your banking
information never travels the Internet without encryption protection, and personal information
received by the Bank of Richmondville will be used for the sole purpose
of processing your online requests. Login
sessions have a “time-out” limit. After
the limit is reached, you are required to login again.
PIN guessing is deterred and reported. One of the most important
security measures you can take is to KEEP YOUR PASSWORD IN A SECURE
PLACE where only you have access to it.
transfers must be submitted by 3:30 p.m. EST to be credited on the same
business day. Transfers made after 3:30 p.m. will be credited the next
may download your transactions from the Internet, you will continue to
receive a regularly scheduled statement listing all transactions since
your last statement.
is the option with Netteller Online that allows you to download your
transactions into Microsoft Money®. You may also choose to
download into a text file or a spreadsheet. System maintenance occurs
nightly. As a result, download information may not be available during
certain times in the evening.
You must be a sole or
joint owner on an account to have it added to your profile. If an
account falls in this category and is not shown on your listing, simply
call customer service at 518-234-4397, Monday - Friday, 9:00 a.m.
– 5:00 p.m. for further assistance.
New accounts do not
automatically appear on the Netteller Online Banking system. Simply,
call customer service at 518-234-4397, Monday - Friday, 9:00 a.m.
– 5:00 p.m. and ask to have the account added to your
profile. You must be sole or joint owner of the account to have it
added to your profile.
Banks are required to
limit potential liability with respect to funds being improperly moved
from corporate accounts to personal accounts. A check being written
from the corporation by an authorized signer, to a specific payee,
provides a paper trail that can be used if, at any future date, there
is any question as to why corporate funds were moved to a personal
account. This applies to Corporations, Limited Liability Companies
(LLC), and partnerships. However, those customers with Sole
Proprietorships will continue to have the ability to transfer funds
between their business and personal accounts.
If you get an error
message, please make a note of the message, the error number, and the
time. Then call the bank at 518-234-4397, Monday - Friday, 9:00 a.m.
– 5:00 p.m. to report the error message. We will make every
effort to resolve the issue as soon as possible.
Netteller Online requires
128-bit encryption (a high level of coding for security purposes). If
your computer browser does not have this level of encryption, a blank
screen will be displayed. At the very top of the screen you may see a
ever have problems with the account information that appears on your
screen, simply call us at (518) 234-4397, Monday - Friday 9:00 a.m. to
5:00 p.m. After business
hours, you may leave a voicemail message and your call will be returned
the next business day.
you have problems with your computer or your Internet service provider,
you can contact their customer service directly.
Yes. All checks that are returned to the Bank of Richmondville to be processed are scanned and stored. Checks that are available for viewing online will be underlined. By clicking on a check number, you will be hyperlinked to an image of your check, where you will be able to view both the front and back of the check.
NOTE: Not all checks that you write are physically returned to the Bank of Richmondville. Many checks are converted to electronic payments and destroyed, thus never making it back to the Bank of Richmondville. In those cases, we don't get the opportunity to scan the checks, and those checks will never be available for viewing.
For additional information please contact a customer service representative at 518-234-4397 or e-mail us at email@example.com
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