Online Banking Center Online Banking FAQs
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Internet Banking Questions

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How do I sign up for Hometown OnLine Banking?

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How do I sign up for Hometown OnLine Banking?

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Contact any employee at Hometown Bank for a simple one-time application form.

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What is Hometown Online Banking?

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What is Hometown Online Banking?

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Hometown Online Banking is a real-time online system that allows our customers a secure and convenient way to access their Hometown Bank accounts via the Internet.

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What do I need to get started using Hometown Online Banking?

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What do I need to get started using Hometown Online Banking?

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You need an Internet connection and a Web Browser that supports 128-bit encryption. You also need an account with our bank and an assigned user ID and password.

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How secure is Hometown Online Banking?

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How secure is Hometown Online Banking?

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State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. Read our Online Security page for more details.
In addition, your Social Security number or Tax ID number are never displayed on the Hometown Online Banking system.

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What can I do to keep my information secure?

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What can I do to keep my information secure?

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You can protect your identification and password in several ways:

  • Do not share your Hometown Online Banking ID and password with others.
  • Do not give your information to anyone requesting it over the phone unless you have initiated the call.
  • When you enter your Hometown Online Banking ID and password make sure no one is watching.
  • Avoid writing down your Hometown Online Banking ID and password. If you find it necessary to write them down, make sure you store them in a secure place.
  • Do not use obvious information for your Hometown Online Banking ID or password.
  • Always log out of the system.
  • We will never request your information via email. If you receive a request for account or personal information that appears to be from us please do not respond . Please contact us at 814-623-6093 and report the request.

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    Do I have to register to use Hometown Online Banking?

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    Do I have to register to use Hometown Online Banking?

    A

    Yes, a simple one-time application is needed to sign up for Hometown Online Banking. Ask any employee at Hometown Bank for the application. When we receive your application, we will issue a User ID number and password. Upon your first visit to the Hometown Online site you will be asked to select a password of your choice and that password will be used whenever you access Hometown Online. Your password must be six to eight digits and containing both letters and at least one number.

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    Can I change my password?

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    Can I change my password?

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    Yes, you can change your User ID and password as often as you want. Just click on the options tab and follow the simple instructions.

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    What if I forget my password or am 'locked' out?

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    What if I forget my password or am 'locked' out?

    A

    As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect password being entered three times in a row. If your account is locked, please call us at 814-623-6093 during regular business hours and speak to one of our customer service representatives. After proper identification from you, we will be happy to unlock your account and reset the password. We do this for the security of our customers and we apologize for any inconvenience.

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    What happens if I forget to log out of the system?

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    What happens if I forget to log out of the system?

    A

    Hometown Online has a 10-minute time out feature. If there has been no activity for over 10 minutes, the user will be required to re-enter their User ID and password.

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    Are there limits on the number of transfers between accounts that I can make?

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    Are there limits on the number of transfers between accounts that I can make?

    A

    Yes, depending on the type of account you have there may be limits to the number of transfers. For example, some accounts, such as some checking accounts, have no limits on the number of electronic funds transfers a customer can make, but, a money market and/or savings account by federal regulation, is limited to six electronic funds transfers each month.

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    On a normal business day, how late may I make transfers?

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    On a normal business day, how late may I make transfers?

    A

    All transfers requested before 8:00 pm Eastern Standard Time will be processed that day. Any transfers after that time will post on the next business day.

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    What does the downloading feature do?

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    What does the downloading feature do?

    A

    The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into financial software (i.e. Quicken or Microsoft Money).

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    How many statements can I see online?

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    How many statements can I see online?

    A

    You will be able to access the previous 90 days of account information. The statement file will begin to build from the date that you sign up for Hometown Online Banking.

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    What should I do if I get an error message?

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    What should I do if I get an error message?

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    If you get an error message, please write down the exact message, the error number, and the time it occured. Then simply give us a call at 814-623-6093 and we will make every effort to resolve the issue as quickly as possible.

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    What is the cost to personal accounts for using Hometown Online Banking?

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    What is the cost to personal accounts for using Hometown Online Banking?

    A

    Nada, Zilch, BigZipO. That’s right personal account holders can use Hometown Online Banking free of charge.

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    If you have any other questions about Hometown Online Banking, please call us at 814-623-6093.

    Bill Payment Questions

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    What is Bill Pay?

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    What is Bill Pay?

    A

    Bill Pay is an online payment system that allows our customers to send an electronic or check remittance to any business/person within the United States.

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    Do I need to register to use Bill Pay/

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    Do I need to register to use Bill Pay/

    A

    Yes, a one-time application is required to sign up for Bill Pay. Enroll with a Hometown Bank customer service representative. You will use your Hometown Online Banking User ID and Password to access Bill Pay.

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    When and how are payments processed?

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    When and how are payments processed?

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    In general, bill payments may be scheduled for the current business day or any date in the future, and we will process your payment on the date you schedule. Payments submitted, recurring or one time, before 2:00 AM EST Monday - Friday will be processed at 2:00 AM EST. Payments submitted between 2:00 AM EST and Noon EST will be processed at Noon EST. Payments received after Noon EST on Monday - Thursday will be processed the next business day. Payments received after Noon EST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before the date. Payments entered on the weekend, recurring or one time, will be processed on the next business day. Always allow 3-5 business days for electronic payments. Allow 5-10 days for payments made by check.

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    Can I postdate single and/or recurring payments?

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    Can I postdate single and/or recurring payments?

    A

    Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow you to schedule payments in the future or for the current date. If a monthly recurring payment is set up to be paid on the 15th and the current date is November 5th, a payment will be scheduled for November 15th and the 15th of every future month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

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    Can I pay anyone using Bill Pay?

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    Can I pay anyone using Bill Pay?

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    You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any government agencies.

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    How do I know if a payee will accept a payment electronically or by check?

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    How do I know if a payee will accept a payment electronically or by check?

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    When you select the option to set up a payee you first search our electronic database to see if the payee will accept an electronic payment. If they will not accept an electronic payment you can then elect to set them up to receive a check for the payment. If, at a later date you find out that your payee is accepting electronic payments you can change your payee's payment method.

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    On the Payment History page, what does the 'Status' field indicate?

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    On the Payment History page, what does the 'Status' field indicate?

    A

  • Pending: The payment has been processed, but not yet sent.
  • Processed: The payment has been processed and sent.
  • Hold: The payment has a research request on it. This usually means that payment is incomplete, however, it can be processed when the issue is resolved.
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    Are Confirmation Numbers important?

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    Are Confirmation Numbers important?

    A

    Yes. A confirmation number will be assigned to each Electronic Bill Payment at the time you submit your request. The same confirmation number is also used each time you instruct us to amend or delete a previously scheduled Electronic Bill Payment. You may record these confirmation numbers for future reference if you wish. For your convenience, Electronic Bill Payment Confirmation Numbers for scheduled payments are stored in the system. Go to “Scheduled Payments” under main menu and then click “View.” They will help us answer any questions and expedite any request you may have about your Electronic Bill Payment transactions.

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    When does the money come out of my account after I have paid a bill using Bill Pay?

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    When does the money come out of my account after I have paid a bill using Bill Pay?

    A

    If the payee is in the Electronic Payee database, the funds will come out of your account on the day the payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank – just as if you had written it from your checkbook.

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    Do I need to re-enter payee information each month?

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    Do I need to re-enter payee information each month?

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    Only if the payee information changes. The payee information will remain in Bill Pay until you delete it. The only thing you will have to change each month is the amount you want to pay and the date you want the bill paid.

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    Who should I call if I have a problem with Bill Pay?

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    Who should I call if I have a problem with Bill Pay?

    A

    If you have a problem with Bill Pay, call us at 814-623-6093.

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    What is the cost for using Bill Pay?

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    What is the cost for using Bill Pay?

    A

    Nada, Zilch, BigZipO. That’s right Bill Pay is free.

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    Home | Contact Us At: 814-623-6093 (phone) or 814-624-1090 (fax)Spacer Image

    P. O. Box 652 • Bedford, PA 15522