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What is Online Banking?
Online Banking enables you to use a personal computer to access your FPB&T accounts securely via the internet 24 hours a day.
What transactions can I perform online?
FPB&T's Personal Online Banking allows you to:
- View your account balances (up to the minute)
- View current and previous account transaction history
- View and print images of your paid checks
- Export your account transaction history to your QuickBooks, Quicken, or Microsoft Money programs.( versions 2004 or newer)
- Transfer funds between your eligible FPB&T accounts
- Pay your bills
- Order checks through Deluxe Check Printers
How much does Online Banking and Bill Payment cost?
Both products are free of charge.
How do I enroll for Online Banking?
It is very simple. Go to our Web Site at www.1stprivate.com:
- From the Homepage click on Online Banking
- Click on the Enroll icon.
- Read and accept our Online Banking Agreement and Disclosure
- Complete the online enrollment page.
- Initial Password - The last four digits of your Social Security Number
- Create your own unique Access ID, Password, and Submit.
- Access ID must be a minimum of 6 and a maximum of 12 alphanumeric characters.
- Password must be a minimum of 8 and a maximum of 12 alphanumeric characters and must include at least 1 UPPERCASE letter and 1 number.
Your Access ID and Password are both are case sensitive.*
*We suggest that you choose a combination of upper and lower case letters and numbers for your Access ID and Password, and suggest that you do not create a Password that could easily be determined by an unauthorized individual such as your Social Security Number, Birth Date, Names of your children, Bank Account Number, etc.
- You will then need to enroll in our additional security PassMark feature
- "Set Security Data" as follows:
- Enter and Confirm your E-mail Address
- Under the Authentication Image enter an Authentication Pass Phrase
- Authentication Pass Phrase must be a minimum of 3 and a maximum of 100 alphanumeric characters.
- Answer three Challenge Questions
- Select the option to register or not register the computer you are using and Submit.
Will I be asked to answer a Challenge Question every time I log into the system?
No, you will only be asked a challenge question when you are logging into the system from a computer that has not been registered.
Should I register every computer that I use to log into the system?
No, you should only register those non-public computers that you use frequently to access your accounts.
How long must I wait to use Online Banking after signing up?
There is no waiting! Once you successfully complete the online banking enrollment page (as stated above), create your Access ID and Password and set your Security Data you will immediately have access to your accounts.
After the enrollment process, how do I log into the system?
From our Homepage at www.1stprivate.com do the following:
- Under Personal Banking click on the link "Click here to Login"
- Enter your Access ID and click Submit.*
- You will then see your Authentication Image (the image you saw when you enrolled) and the Authentication Pass Phrase. Enter your Password and click Submit.
*Please note: If you see an Authentication Image or Authentication Pass Phrase that is different from the those that you saw when you enrolled, DO NOT ENTER YOUR PASSWORD to continue to login. Log off, close your browser and start the login process again. Receiving a different image could indicate that you are being re-directed to a website other than First Private Bank & Trust's and that your information could be compromised.
How do I change my password?
You can change your password any time you log into the system. Simply click the Change Options icon, then click on Change Password and then follow the directions as prompted. (The password parameters are the same as when you first enrolled. Please see "How do I enroll for Online Banking?".)
What if I have a problem with my password?
Please contact an Internet Banking representative at (818) 501-1700 between 8:30 a.m. and 5:00 p.m., PST, Monday through Friday, excluding bank holidays. The representative can reset or issue you a new temporary password.
Can I change my Security Data?
You can change your Security Data anytime that you log into the system. Simply click on the Change Options icon, and then click on Change Security Data. From there if you can change any of the Security Data that you like and click Submit.
How can I change the Nicknames on my accounts?
You can change the nicknames anytime you log into the system. Simply click on the Change Options icon, and then click on Change Nicknames. Select the account whose nickname you want to change. Type the new nickname in the box and Submit.
Can I change the E-mail address that you indicate on the system?
Yes, simply log into the system and click on the Change Options Icon, then click on Change E-mail Address. Type in the correct address and click Submit.
What accounts can I access using Online Banking?
You can access your FPB&T Business Checking, Savings, Money Market, Certificate of Deposit and Loan accounts.
How do I transfer funds between my accounts?
You just need to log into the system and click on the Express Transfer icon. Choose the account that you want to transfer from, choose the account that you want to transfer to, enter the amount that you want to transfer and click Next.
Note: All transfer requests received by FPB&T prior to 5:00pm PST will be processed the same day. All Transfers received by us after 5:00pm PST will be processed the following business day.
Can I transfer funds to and from any account or loan?
Account transfers are allowed to and from most business checking and savings accounts that have the same name and Tax Identification Number.
The following types of accounts do not have transfer capabilities:
IRAs, Certificates of Deposit, and Loans.
Note: Money Market and Savings accounts have certain transfer limitations as described in the FPB&T Deposit Accounts Disclosure given to you at the time you opened your account(s). (You may request an additional Deposit Accounts Disclosure from your banking office at any time.)
How do I export account history to my accounting program?
You can export account activity history to your Quicken, QuickBooks or Microsoft Money programs (versions 2004 or newer) any time you access your accounts by doing the following:
Log into the system and click on the appropriate account number. Click on the Transactions icon. From that drop down menu click on Transactions Export. You will be taken to an export information screen. You can retrieve transactions two different ways from this screen. In the "Cycle" field, you may choose Previous Statement, Current Statement, or Previous Business Day, or in the "Date" field, you may indicate a specific from and to date. In the Export field drop down menu, choose the software that you want to export to and then click on Export.
How much history is maintained on my accounts online?
You have access to your current transactions as well as the transactions for the most recent previous statement cycle.
Can I establish one Online Banking service both for my personal and business accounts?
Our Personal Online Banking is only for your personal accounts. However, we also offer Business Online Banking, which has features specifically designed to meet the cash management needs of our business clients. Please contact your FPB&T banker for more details
BILL PAYMENT SERVICE
Bill pay upgrade coming soon!
SECURITY ISSUES
How safe is my account information?
Please refer to our "Security Statement" for the complete details of our security. Links to our Security Statement can be found on the Bank's Website Home Page.
How does First Private Bank & Trust ensure the safety of my account information?
FPB&T uses the latest security software and hardware to ensure your account information remains safe. With proven encryption, firewalls, and trusted operating systems incorporated into our overall banking architecture, we have made it as secure as possible for authentic transactions to take place over the Internet. Please refer to our "Security Statement" section for the details of our security.
ENHANCED SECURITY
To further protect the privacy and security of your personal information, we have an additional layer of security. This security feature uses an image called a PassMark, and a phrase which helps you identify that you are at our Web site, and not a fraudulent look-alike site. Additionally, this feature provides you added safety by helping us to identify you and prevent unauthorized access to your accounts.
Once you have enrolled in our additional security feature your PassMark and phrase will only be known to you. Whenever you login, we will show you this PassMark and phrase. If you login and do not see your PassMark and phrase, do not enter your password, as you are likely being re-directed to an imposter Web site.
This feature also helps us to identify you by checking the computers that you are using to access our Web site. With this feature you have the option to register the computers that you use to access our Web site, and our web site will recognize those you have registered preventing possible fraudsters from logging into your account even if they acquire or guess your Access ID and Password. Should you need to login from a different (un-registered) computer we will take additional steps to verify your identity, through a series a Challenge Questions you set-up at the time of enrollment.
Above all, the PassMark/Phrase feature significantly increases the security of your Access ID and Password authentication without much change to your login experience.
What should I do to keep my account information safe?
- Your Login ID and Password are confidential and you should exercise care when using them. Do not make your password something easily determined by an unauthorized individual.
- Never lend your Login ID or Password to anyone and never write them on your PC or any computer materials.
- Do not register public computers in the PassMark/Phrase security feature; only register computers that are private and frequently used to access your accounts.
- Beware of fraudulent requests for your password by someone posing as a Bank employee. A Bank employee would never ask for this information!
- Never use a "Save Password" feature if offered by your browser. This would allow anyone who opens your browser access to your account information without needing a password.
- Use a browser with 128-bit encryption, which provides the highest level of encryption. (Encryption is a method of scrambling information transmitted between you and the Bank.)
Can the Bank answer questions about my Internet Service connection or my computer?
Your best source of information regarding any issues you have with your Internet connection is your Internet Service Provider. Their customer service personnel are trained to answer all your Internet connection questions. The same holds true for any questions about your computer. Contact the hardware manufacturer or Software Company for best results.
Can anyone else see my account information?
Your online account information is available only to those with an authorized Login ID and Password. This information is not public.
MISCELLANEOUS INFORMATION
How do I contact the Bank if I have a question or comment about Online Banking?
If you have any questions, comments, or concerns, please contact an online Banking Representative at (818) 501-1700 between 8:30am to 5:00pm PST, Monday through Friday.
What Internet browsers can I use with Online Banking?
You may use Microsoft Internet Explorer (Versions 4.0 or higher) or Netscape Navigator (Versions 4.0 or higher). These browsers support secure transactions over the Internet using Secure Socket Layer (SSL) protocol. If you get an error that has "CGI" in the title when you try to access Online Banking, your browser may have its "Java" turned off. You can turn the Java on in the Options or Preferences menu of your browser.
Can I use Online Banking from outside the United States?
Yes! Just use a secure browser such as Microsoft Internet Explorer or Netscape Navigator.
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