Online Banking Login

  • Richmondville: 518-294-6661
  • Cobleskill: 518-234-4397
  • Schoharie: 518-295-8884

Frequently Asked Questions About NetTeller Online Banking and Bill Pay

Today, virtually 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.

Go To NetTeller Online Banking FAQ

Go To Bill Pay FAQ

NetTeller Online Banking - FAQs

What is NetTeller Online?

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 NetTeller Online Banking is FREE!

NETTELLER ONLINE banking allows you to:

  • Bank anytime and anywhere
  • Access your account and loan information
  • Make payments on loans with the Bank of Richmondville
  • Verify account activity
  • Transfer money between accounts
  • Print Statements
  • Place stop payments
  • View Cancelled Checks

Is there a fee for Online Banking?

NetTeller Online is FREE when you access account information, transfer funds, or view your statements.

Do I have to apply to use NetTeller Online Banking?

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.

How do I sign up for NetTeller Online Banking?

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 (Commercial applications must be returned in person). Sign up Now

Please allow a few business days for your application to be processed. We will notify you via US Postal Service of your assigned ID after your application has been processed. (If you are a non-Bank of Richmondville customer, you must open an account with us by visiting a Bank of Richmondville office.)


Can anyone use NetTeller Online?

Any Bank 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.

How do I log on for the first time?

When 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.

How do I use NetTeller Online Banking?

Click on the Online Banking link, at the login page and enter your User ID and PIN. 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 transaction.

What types of accounts may I access?

You may access general information for any Bank of Richmondville account for which you are the account holder.

What accounts can I transfer funds to or from?

Transfers may be made between any Bank of Richmondville Checking, Statement Savings, NOW, Money Market accounts and certain types of loans.

What happens if I forget my password?

Only you 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 - Thursday, 9:00 a.m. – 4:30 p.m. and Friday, 9:00 a.m. – 6:00 p.m. to have your account “unlocked” or “reset”. You 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 system.

How do I change my password?

To ensure 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. 

Password Rules 

- Must contain at least 1 letter 
- Must contain at least 1 number 
- Must contain at least 1 special character +_%@!$*~ 
- Must be between 6 and 8 characters in length 
- Must not match or contain your ID 
- Must not match one of the previous 4 Passwords

From this 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 listed.

How can you secure my banking information?

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. Also, 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.

What is the timeframe for crediting funds transfers?

All 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 business day.

Can I get my bank statements online?

While you may download your transactions from the Internet, you will continue to receive a regularly scheduled statement listing all transactions since your last statement.

May I import account information into my financial software program?

Yes. There 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.

What if NOT all my accounts appear on my account list?

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 - Thursday, 9:00 a.m. – 4:30 p.m. and Friday, 9:00 a.m. - 6:00 p.m. for further assistance.

What happens if I open a new account after I am already signed up for NetTeller Online Banking?

New accounts do not automatically appear on the Netteller Online Banking system. Simply, call customer service at 518-234-4397, Monday - Thursday, 9:00 a.m. – 4:30 p.m. and Friday, 9:00 a.m. - 6:00 p.m. to 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.


Why can't I transfer funds online between my corporate and personal accounts?

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.

What if I get an error message?

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 - Thursday, 9:00 a.m. – 4:30 p.m. and Friday, 9:00 a.m. - 6:00 p.m. to report the error message. We will make every effort to resolve the issue as soon as possible.


What does it mean when I get a BLANK screen and cannot login?

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 message displaying the need of 128-bit encryption and JavaScript.

How can I get technical support regarding my account?

Should you ever have problems with the account information that appears on your screen, simply call us at (518) 234-4397, Monday - Thursday, 9:00 a.m. – 4:30 p.m. and Friday, 9:00 a.m. - 6:00 p.m. After business hours, you may leave a voicemail message and your call will be returned the next business day.


NOTE: If you have problems with your computer or your Internet service provider, you can contact their customer service directly.

Can I view my cancelled checks online?

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.

Bill Pay - FAQs

Do I have to apply to use the Bill Pay feature of NetTeller Online Banking?

No, an application is not required. If you are currently a NetTeller Online Banking customer and wish to use the Bill Pay feature, you may do so by selecting the Bill Pay tab.

When and how are the payments processed?

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Can I use Online Bill Pay if I live outside the U.S.?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?

Yes, the same way that you would view your current checks; through the “transactions” option in NetTeller.

What happens if I lose or forget my PIN?

There is no separate PIN to access Bill Pay. You have access to Bill Pay by using your NetTeller Login credentials.

How far in advance should I set up a payment to ensure it is paid on time?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check. For an Electronic Payment, allow up to 4 business days from when the payment is submitted. For a Check Payment, allow up to 7 business days. Please note that a payment submitted before 3:00 p.m. EST will be processed on that day, and a payment submitted after 3:00 p.m. EST will be processed on the next business day. 

*Please note that we have no control over the US Postal Service..

Are there minimum and maximum payment amounts?

Electronic payments are validated against the available account balance prior to processing. If funds are not available, the electronic payment will not be processed, and you will receive a message to inform you that the payment could not be sent due to insufficient funds. The system will continue to check your account each day for the required balance. When the funds become available, the electronic payment will be processed. 

Check payments will be settled against your account like any other check. 

You are limited only by the amount of funds in you account.

Whom can I pay through Online Bill Pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

How many payees can I set up?

There is no limit to the number of payees you can set up through Bill Pay.

Can I edit a Payee address once a payee is set up?

No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to re-create the payee using a different address.

What Payment frequencies are available?

You can set up payments in any of the following frequencies: one time, weekly, bi-weekly, monthly, semi-monthly, quarterly, annually or semi-annually.

Can I postdate a single payment?

Yes. Just set the payment date for a valid future date.

What will the checks look like?

Checks will look like normal business sized checks with your name and address and encoded with your account number. Bill Pay checks will be in sequential order beginning with check number 600000.

Will the memo field I fill out when setting up a payment be passed on to the payee?

Yes. Your memo will appear at the bottom of your check. The memo field is 25 characters long. Memo information will not appear on electronic payments. There is also a Comment section. The Comment section allows for 1000 characters, however is for personal use only and will not be seen by the payee.

When will the money be taken out of my account?

For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it was sent by 3:00 pm EST. Electronic payments submitted after 3:00 pm EST are debited on the next day during bill pay processing. 
CHECK PAYMENT funds are debited from the account when the check clears your account at the bank (the same way it would occur had you written the check from you checkbook).

Can I make multiple payments to the same payee on the same day?

You can make multiple payments to the same person as long as the payment amounts are different. For your protection, the system will not pay duplicate items on the same day.

How long is history retained in the View Payment History section?

Currently, payment history is kept indefinitely.

Are there fees associated with the Bill Pay feature?

No, Consumer Bill Pay is a FREE* service. *Inactivity fees, Rush payment fees, Gift check fees, and P2P (person to person) fees apply.

*Fees subject to change.

Can I make payments from any account?

No. Payments may only be made from a checking account. Savings accounts and money market accounts are not eligible for online Bill Pay.

For additional information please contact a customer service representative at 518-234-4397 or e-mail us at This email address is being protected from spambots. You need JavaScript enabled to view it.



Richmondville Office:

284 Main Street
PO Box 130
Richmondville, NY 12149
(518) 294-6661


Cobleskill Office:

857 East Main Street
PO Box 40
Cobleskill, NY 12043
(518) 234-4397


Schoharie Office:

428 Main Street
PO Box 488
Schoharie, NY 12157
(518) 295-8884