| What is Online Banking |
Online Banking allows our customers secure and convenient access to their accounts using the Internet, 24 hours a day, 7 days a week.
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| How can I get Online Banking? |
American Enterprise Bank of Florida's customers can start Internet Banking by completing an online application or by visiting our branch to complete the application.
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| How do I use Online Banking? |
After you enter your login identification and password, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in. Any additional pages will have drop down menus on them that lead you through your transaction.
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| What happens if I don't log off the system? |
Online Banking has a 15 minute time-out feature. If you are logged in for 15 consecutive minutes without activity, you will have to log in again to resume banking.
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| What happens if I forget my Online Banking PIN? |
You are allowed 3 attempts to enter your PIN. On the third attempt, if invalid, you will be locked out of the system. Immediate access may be regained by calling the bank and asking for an Online Banking Specialist to assist you at 904-281-1900 during regular business hours, Monday through Friday 8:30am - 5:00pm EST.
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| What should I do if I think someone has my access codes? |
Contact the bank and ask for an Online Banking Specialist with your unique ID code to assist you at 904-281-1900 during regular business hours, Monday through Friday 8:30am - 5:00pm EST.
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| When will transfers show in my account? |
The transfer cut-off time for current day's business is 5:00pm EST. Any transfers made after this time may not be transacted until the next business day.
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| How do I add or delete accounts to my existing Online Banking relationship? |
Contact the bank and ask for an Online Banking Specialist to assist you at 904-281-1900 or visit the branch. You must be an authorized signer on the account.
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| Does my spouse need his or her own ID and PIN? |
If your spouse is a signer on the account, you may choose to share a login, or you may choose to have a separate login for each individual.
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| How much does Online Banking cost? |
Online Banking service is FREE for American Enterprise Bank of Florida customers.
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| How do I add the optional Bill Payment service if I did not select it when I applied for Online Banking? |
Contact the bank and ask for an Online Banking Specialist to assist you at 904-281-1900 or by visiting the branch. You must be an authorized signer on the account.
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| How much history can I see Online? |
You will be able to access and print your current transactions as well as previous history. The history file will begin to build from the date that you sign up for Online Banking.
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| What if I get an error message? |
If you get an error message please make a note of the message, the error number and the time. Then simply contact the bank and ask for an Online Banking Specialist to assist you at 904-281-1900 and we will make every effort to resolve the issue as soon as possible.
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| When and how are bill payments processed? |
Payments are processed daily at 3:00am and 1:00pm (EST). If the payment is electronic, your account will be debited on the scheduled payment date. If the payment is by check, your account will be debited when the check is presented for payment.
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| How do I know if a payee is electronic or check? |
Once you have set up the payee, you can look at the VIEW PAYEES screen, and you will see a field that will tell you if the payee accepts electronic or check payments.
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| Who can I pay with Bill Payment? |
You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any government agencies.
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| How late in the day can I enter, edit or delete a payment? |
You may edit or delete payments scheduled Sunday through Friday up until 11:00pm EST the day before the scheduled payment date.
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| Are there any minimum amounts? |
Yes. The minimum amount you may make a payment for is $5.00.
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| How far in advance can I schedule payments? |
You may schedule payments up to 90 days in advance of the first due date.
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| Can I stop a payment? |
Yes, you may place a stop payment on any check that you have issued that has not been paid. There is a fee for this service. To place a stop payment on a check, please determine if the check has been paid by using the view a range of transactions screen. If the check does not show as being paid, go to the enter stop payment screen and enter the information requested. Note: The Enter Stop Payment option on the VIEW ACCOUNTS screen of Online Banking is for both hand-written checks and bill payments made online by check. Stop payments may not be issued for electronic payment. Print the Stop Payment Order, sign it and forward the Stop Payment to the Bank within 14 calendar days.
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| On the Payment History page, what does the "Status" field indicate? |
Status Value: Payment Pending
Definition: The payment has been processed, but not yet sent.
Status Value: Payment Processed
Definition: The payment has been processed and sent.
Status Value: Hold
Definition: The payment has a research request on it and has not been processed.
Status Value: Stopped
Definition: You have requested the payment to be stopped. It cannot be processed again.
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