Frequently Asked Questions

  • What is the service charge for EBanking services?
    All EBanking services are free of charge.

  • Do I need special software for EBanking?
    No, all of our EBanking services are provided through secure Internet connections.

  • Can I get a copy of a cancelled check?
    Copies of your check payments are available through Net Advantage.

  • How long is history retained in the VIEW PAYMENT HISTORY section?
    Payment History records and statements are maintained for one year.

  • What happens if forget my User ID or PIN? What if I am locked out of the system?
    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.

  • Whom can I pay through Net Advantage Bill Pay?
    You can pay ANYONE in the United States.

  • Are there any merchants that I cannot pay through the bill payment service?
    The IRS prefers you not to submit tax payments through Net Advantage Bill Pay.

  • When will the money be taken out of my account?
    If the payment is electronic, funds will be withdrawn the day the payment is scheduled. Check payment funds will be withdrawn once they are presented for payment.

  • What if I do not have enough money in my account to pay a bill?
    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.

  • What happens if I have a scheduled payment that falls over a weekend or holiday?
    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.

  • What do I do if a payment I made online was never recieved?
    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.

  • When will I be notified that my EStatement is ready to review?
    The moment your statement has been generated an email is sent to your email address.

  • What if my email address changes?
    All information changes must be made at one of our branch locations.

  • Do I still receive a statement in the regular mail?
    No, you will only receive email notification that you can review your statement.

  • How many statements will I have access to?
    You will have up to 18 months of statements archived on the system when you enroll.

  • How do I reconcile my account with EStatments?
    To view a reconciliation form, click here.

  • What are the restrictions on the type of mobile devices that can be used to access accounts?

  • It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

  • What functions can I perform from my mobile device?

  • 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.

  • How do I know if my transfer or bill payment was entered successfully?

  • 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.

  • What if I no longer want to be a mobile user?

  • Log in to the Net Advantage online banking site > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Submit.

  • What happens if I lose my mobile device?

  • 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.

  • Can I add a new Bill Payment Payee via mobile banking?

  • No. You can only add payments to payees already established through your traditional Internet-based Net Advantage ID.

  • Why canít I add a new payee?

  • 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.

  • How do I delete a Bill Payment that I set up through my 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.

  • What happens if I lose communication/signal during a transaction?

  • 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.

  • What do I need to do if I get a new phone?

  • 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.

  • How can I search for a transaction?

  • You are able to view up to 15 days worth of transaction history on your mobile device

  • Can I use any mobile device to access my accounts?

  • 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.

  • What if I canít get my mobile device to work with Internet Banking (Mobile Advantage)?

  • 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 (, which provides good support to a number of mobile applications.

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