-ATM/Debit Card Questions
Will I be charged a fee when I use my ATM/Debit Card?
No. We do not charge a fee when you use your card as a credit or debit. You may be subject to a surcharge from another bank when you use their ATM. We belong to the SUM network which allows you to use other SUM member bank’s ATMs without incurring a surcharge. Visit the SUM website for a complete list of participating SUM ATM banks.
Can I make a deposit at any Clinton Savings Bank ATM?
Yes, you can use any Clinton Savings Bank ATM to make routine deposits and loan payments for accounts you have with us.
What type of accounts can I access using my Clinton Savings Bank ATM/Debit Card?
For ATM use you will be able to access your Checking and Statement Savings account that you designated on your application. MasterMoney Debit Card purchases are withdrawn only from your Clinton Savings Bank primary Checking Account.
What do I need to do to protect my ATM/Debit Card’s magnetic strip from damage?
Always store your card in the protective Tyvek® sleeve that came with your ATM/Debit card. Keep you card away from heat or other damage-causing elements such as sunlight or anything magnetized.
-Statement & Check Imaging Questions
What is Check Imaging?
Check Imaging is a new process in which pictures, or images, of your checks are taken during processing. Your monthly image statement will contain pictures of your checks instead of the actual items.
What are the Benefits of Receiving Check Image Statements?
Statements are neatly organized
Old checks do not need to be stored in a shoe box any longer! Instead, many years worth of checks can be stored in your Free binder.
Clearly printed statements
Laser printed statements and check images are much sharper and easier to read. Background pictures, such as scenic views and animals, may be eliminated on the imaged check for easier reading. Blue or Black ink will produce clearer check images.
Special requests
Your requests for previous account information, copies of checks, deposits, or statements will be processed much faster.
What happens to my original checks?
After 60 days they are destroyed. However, your imaged checks will be available from the Bank for many years.
How do I read the Imaged Checks?
Below each check, in larger print, is the check number, check amount and date it was posted to your account. This makes it easier to balance your statement and to reference information.
What if I want the back of the check printed or need proof of payment?
The courts have ruled that imaged checks are valid proof of payment for any legal obligation, including the Internal Revenue Service. In the event you need to see the endorsement of a check, we can print this for you. Therefore, an imaged check is as valid as the original check.
How far back can I look at my account statement?
Currently, the system will allow you to retrieve about 2 years of account history. If you need information prior to that, please contact us and we can assist you.
How do I view Check Images?
You will be able to view checks within our Online Banking system. At the Account History level, a link to each check will appear next to the check number. This link will allow you to view both sides of the check. This will allow you to view up to 3 months.
-Online Banking Questions
I know I am using the correct Customer number and Password to log into Online Banking. Why won’t it work?
The system may have prompted you to change your password and you may be using the old one out of habit. Or you may have been locked out because of too many incorrect password attempts. In any case, contact us and we can determine what is happening and provide you with information to get you logged-in again. Or, try the forgotten password feature at the bottom of the sign on page.
How do I pay my Clinton Savings Bank loan through Online Banking?
The simplest way is to use the “Account Transfer” feature on online banking. Just select an account in the “From” dropdown box and your loan account in the “To” dropdown box and enter the dollar value of the payment. The system will make the payment instantly however it may take one business day to post to your loan account.
I opened a new account and the system will not allow me to use it for transfers. Why is that?
You can click on the "Secure Forms" link within your Internet Banking online session and notify us using the "Request to Add Account to Online Banking." We will use the notification to add your account to your access.
What if I have a question while using online banking; is there any way to contact someone for help?
Our Online Branch is staffed Monday through Friday from 8:00 a.m. to 4:30 p.m. If you have the ability to use a second telephone line, call us at 1-888-744-4272 for assistance. If you are online and cannot call, you may email the Online Branch staff at onlinebanking@clintonsavings.com We will respond to you as quickly as possible.
Are my Online Banking transactions secure?
Clinton Savings Bank’s Online Banking System brings together a combination of proven security technologies designed to protect data for the Bank and for you, our customer. It features password controlled entry, a RSA issued Digital ID to authenticate the Bank’s server, Secure Socket Layer (SSL) protocol for data encryption, and a router and firewall to filter and regulate system traffic. For more information, refer to our Security Statement.
What accounts can I access through Online Banking?
You can access any of your Clinton Savings Bank accounts that you indicate upon registering for Online Banking. You can also add a Clinton Savings Bank account to your Online Banking by going to the Secure Forms section and choosing Add/Delete Account Application.
What is Enhanced Log In Security?
Enhanced Log In Security is a new online security feature that will provide you additional protection from fraud and identity theft. Clinton Savings Bank’s Enhanced Log In Security helps prevent unauthorized access to your accounts and your secure financial information.
How does Enhanced Log In Security work?
You will need to add extra security to each computer that you use for online banking. This can be done easily from the User Options page once logged into the online banking. Whenever you login from a computer that you have added extra security to, you will automatically have additional protection, and notice no difference in the way you login. However, if you login from a different computer than the one you have added, you will be asked for additional security questions in order to validate your identity and login.
Please note: If you use multiple browsers within the same computer you will need to add extra security to each browser separately.
How do you recognize my computer?
When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login credentials you normally enter. This secure cookie is only used by Clinton Savings Bank to validate your identity and does not contain any personal information.
What will happen if I remove extra security protection from this computer?
If you want to remove the extra security protection from this computer, the secure cookie will be removed from the computer you are currently logged into, and all future logins from this computer will require you to answer 3 validation questions. To remove extra security protection from this computer, select User Options once inside online banking, then Enhanced Log In Security, click the radio button that states “Remove Extra Security from this computer”, and the click the submit button.
How does Enhanced Login Security protect me?
This security allows us to know that it’s really you logging into your account. We know it’s you because we recognize your computer AND your login credentials. If we do not recognize your computer, then you will be asked for additional information that is known only by you.
Can I login from multiple computers and browsers?
Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you haven’t added extra security to, you will be asked for additional information so that we can verify your identity. To add extra security protection to that computer, select User Options after you have logged in, then Enhanced Log In Security. Click the radio button that states “Add Extra Security from this computer”, and the click the submit button.
Please note: If you use multiple browsers within the same computer you will need to enroll each browser separately.
Why do I keep getting asked for extra information when I login from a computer that I have already added extra security to?
This is happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your computer. This is a common method that third party software (ex. Anti-Virus protection) uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though not all cookies are a security risk. In order to use this feature without being asked for additional information at each login, the secure cookie that we use to identify your computer must stay within your browser.
I share my computer with someone that also uses your Online Banking. Can both of us still login from the same computer?
Yes. You can use the same computer to login to your individual account safely; you will not be able to access each other’s information. This is because your secure cookie is linked to only your login credentials. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to NEVER share your Customer number and Password with anyone.
What should I do if I forget the answers to the security questions?
If you have forgotten your answers, contact us at 1-888-744-4272 to have them reset.
