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    If the payment is electronic, funds will be withdrawn the day the payent is scheduled. Check payment funds will be withdrawn once they are presented for payment.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.


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