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Banking FAQ    Online Banking FAQ    Security FAQ   

Q How do I access Online Banking?
A After your First Bank of the South checking and on-line application have been approved, simply click on the words Online Banking on any of our Web pages. When using Online Banking for the first time, click on the button "Click here to create or change your pin number" to set up your pin number.

Q How frequently is my First Bank of the South information updated?
A First Bank of the South updates all customer information nightly. Whether you access Online Banking, the automated voice response system, or contact us directly, your account information is updated nightly to reflect all account activity.

Q Can I look at all of my transactions at any time?
A Yes, with Online Banking and the automated voice response system, you have access to your account information 24 hours a day, 7 days a week!

Q How does bill payment work?
A To help you understand the process, we have provided a diagram.

Q Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.

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