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Home : Online Banking : Help |
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 Welcome to the Troubleshooting area. Here you can get information and suggestions for problems you may be experiencing. Click on a problem below for information and suggestions related to that problem. Exactly what equipment and software do I need to access Home Federal Bank's eBanking and ePay product? You will need an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud is recommended), and Browser software which supports Secure Sockets Layer (SSL) encryption. For best results, we recommend Microsoft Internet Explorer 5.5, and Netscape Navigator 4.7 or higher. In all cases it is important that you be on the most recent release of whatever version you are on. » Back to top Is the Internet safe and secure for online banking? Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications. This is currently the highest level of security available for Internet transactions. » Back to top Can anyone else see my account information? No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your Sign-On ID and Password. You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password. A proper combination of your Sign-On ID and Password is the only way to get access into your account. Please be careful to keep this information secure and always signoff when you are done using Internet Banking. » Back to top What if eBanking goes down? Will my payments be made, will my transfers go through? If eBanking and all of our back up systems were to go down, you can be comfortable that any transaction which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system received the request, feel free to contact the bank to ensure your transaction request has been accepted. » Back to top How long does it take for a payment to reach my payee? Each electronic payment made by ePay will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it may take a day or two for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time. » Back to top What if I don't sign up for ePay initially and later decide that I want to sign up? You can sign up for ePay anytime you want. Just click on the Pay Bills button located on the Transaction screen. You will be notified that you are not currently enrolled. You will then be presented the opportunity to enroll. Simply acknowledge your desire to enroll, and you can immediately start using the service. » Back to top What types of accounts are included in eBanking? You can access the following types of accounts:
» Back to top Can I have more than one checking account linked to eBanking? Yes. You can link all of your checking accounts to eBanking. » Back to top How current is the information on eBanking? Home Federal Bank's eBanking is real time, meaning that information posts to your account immediately. For example if you use your debit card to buy gas, you could go back to your computer and see the transaction on eBanking. » Back to top Should the payment date I give be the date the payment is actually due? No. You need to allow seven (7) calendar lead days for the payment to reach your payee, so enter a date seven (7) days before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days. » Back to top How soon are the funds actually taken out of my account? Seven (7) calendar lead days is required to process all payments. Payments that cannot be electronically submitted to a merchant are processed by check issue. Your account may be debited for payment seven (7) calendar days prior to the scheduled Due Date. » Back to top What happens if I don't have enough money in my account to cover a bill payment? If your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the payment will be returned for insufficient funds. » Back to top When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date? When you schedule a payment with ePay, the payment is warehoused until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee. Once the system has determined that it is time to process the payment, the payment is changed to a processing status. An electronic funds transfer then processes the payment, or a check is produced and made payable to the payee. The check is then sent to the payee via regular mail. Submitting payment requests seven days in advance ensures there is sufficient lead time to process your request and get it to the payee by the date you specify. » Back to top Why does it take a few days to process payments? Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once the check is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time. » Back to top What should I do if a payee has not posted my payment? You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Ref #" column. The payment will then be traced and a status response will be sent to you. » Back to top How can I prove payments and transfers were made? With each bill payment, you are given a reference number. This reference number indicates that we have received the bill payment request and is used for tracking payments if a problem occurs. Payments and transfers also appear on your Register screen. If the last column in the register is marked with an X, the transfer or bill payment has posted against your account. Your monthly statement from your payee should also indicate the date and amount of the payment. » Back to top How much does it cost to use ePay? An eBanking fee schedule can be obtained online by clicking S/C Fees Brochure, at any branch, or by contacting the eBanking Manager at ebanking@myhomefed.com or by telephoning 800-871-9505. » Back to top Will I be charged the monthly service fee even if I don't make any payments? Yes, the monthly service fee is charged just like your telephone bill or cable bill - whether you use the service or not. » Back to top How will the payments be made? We use two methods of payment:
» Back to top Can I choose the method of payment? No. ePay will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees who could not accept electronic payment may be able to. They will then begin being paid electronically. » Back to top Does eBanking work with Quicken? Absolutely. eBanking was designed to be highly compatible with this popular software. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) downloading capability right into eBanking. You can access the downloading capability from the Reports screen. » Back to top I can view other areas of Home Federal Bank's website but I can't get into eBanking. What's wrong? If you are able to view other areas of our web site, but are unable to access Home Federal Bank's eBanking, it may indicate that you are having a problem accessing secured sites in general. Both your browser and Internet Service Provider must support secured sites. Refer to the requirements for using eBanking. Using other browsers may prevent access to eBanking. Another reason that you might not be able to access eBanking is that your cookies may not be enabled. In order to enter the secure encrypted site you must accept the cookies. To enable cookies for Internet Explorer 5.5 or higher:
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1-800-888-7283 / 208-466-4634 Privacy Security |