Frequently Asked Questions About Online Banking - What is Online Banking? - How easy is it to use? - What do I need to use it? - How do I sign up? - Is the password case sensitive? - Can joint account holders sign up? - Is there any cost? - After I sign up, when can I start using it? - How do I sign in to Online Banking the first time? - May I change my Customer ID to something other than my ATM or Debit Card number? - What accounts can I manage with Online Banking? - Can I transfer money to my Southern Bank credit card? To my consumer loan? - Can I transfer money to my savings accounts? To my checking accounts? - Can I view check images with Online Banking? About Using Online Banking - Can I bookmark Online Banking for a quick look at my accounts? - Why does it sometimes seem slow? - Can I do anything to make it faster? - How can I be sure the site is secure? - Why do I keep getting locked out? - Why can't I access the sign-in page? - Why do I keep getting timed-out? - What do I do when I'm finished with an Online Banking session? About Using the Internet - What is a browser? - What browser and version do I need to use with Online Banking? - How do I find out what version I have? - How do I download the proper browser version? - What is encryption? - Do I need 128-bit encryption for my browser? - How do I get 128-bit encryption? About Bill Payment - What can Bill Pay do for me? - What if I don't want to use Bill Pay? - What if two people want to share a Bill Pay account? - How does it work? - Who can I pay? - How do I set up people/businesses to pay? - How do I know that payments will arrive on time? - How do I set up payments? - What if I need to change a payment? Or delete a payment? - From which accounts can I pay my bills? - When is my account debited for a bill payment? - If I have a bill payment to NSF, how do I get the payment to be rescheduled? - What if I have trouble with a bill payment? - What determines whether a payment is made electronically or by check? - Is it possible to stop a bill payment after it has been sent to the merchant? - Why would a bill payment be returned? - What can I do if my payee information is correct and my payment was returned? - How will I know that payments have been made? About Quicken® and Microsoft® Money® - Does online banking interface with Microsoft® Money®? - How do I download my transactions into Microsoft® Money®? - How do I change the transactions displayed within online banking? - How do I get help with downloading transactions into Microsoft® Money®? - How do I save the Quicken® Web Connect data to my computer? - I'm trying to use Web Connect, but the transactions are not downloading. What should I do? For more help - What if I have trouble and need to talk to someone? - How else can I get help or information?