Frequently Asked Questions
All EBanking services are free of charge.
No, all of our EBanking services are provided through secure Internet connections.
Copies of your check payments are available through Net Advantage.
Payment History records and statements are maintained for one year.
If you forget your User ID or PIN or are locked out, contact the Personal Banking Center at 706.769.3610. With proper verification, your PIN can be reset.
You can pay ANYONE in the United States.
The IRS prefers you not to submit tax payments through Net Advantage Bill Pay.
If the payment is electronic, funds will be withdrawn the day the payment is scheduled. Check payment funds will be withdrawn once they are presented for payment.
Electronic payments will not be processed until funds are available. The payment will attempt to be sent until the funds are available. Check payments are treated as any other check you have written.
Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on the morning of the next business day.
Payments scheduled for a holiday will be processed the business day prior to the holiday. New payments that are entered on a holiday will be processed on the next business day.
No payments are processed on weekends or Bank holidays.
If you ever have any questions about a payment, please call the Personal Banking Center at 706.769.3610. We will be happy to research your payment.
The moment your statement has been generated an email is sent to your email address.
All information changes must be made at one of our branch locations.
No, you will only receive email notification that you can review your statement.
You will have up to 18 months of statements archived on the system when you enroll.
To view a reconciliation form, click here.
It works with any web-enabled mobile phone device whose network allows secure SSL traffic.
After you have registered you phone through Net Advantage you can: view transaction history, view account balances, transfer funds between accounts, pay bills to existing payees, view alerts.
Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.
Log in to the Net Advantage online banking site > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Submit.
Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.
No. You can only add payments to payees already established through your traditional Internet-based Net Advantage ID.
Functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.
You must log in to the Internet-based Net Advantage ID and delete the payment from the main menu of the Bill Pay module.
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Net Advantage account via the Internet and update your information on the Options > Mobile Settings page. **You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.
You are able to view up to 15 days worth of transaction history on your mobile device
Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS Text messages will be sent to the device entered when enrolled for mobile banking.
There are a number of reasons that you may experience trouble accessing the mobile version of Internet banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:
You must first enroll through traditional Internet banking before you can gain access.
Your mobile device must be web enabled.
Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)
If your phone meets these requirements and you continue experiencing problems, the mobile version may not be compatible with your phone's browser. An interim solution would be to try downloading another browser such as Opera Mini (www.operamini.com), which provides good support to a number of mobile applications.
|Member FDIC||© 2013 Oconee State Bank|