Internet banking & Telephone banking

Stone County National Bank's Internet banking & Telephone banking is safe, easy and can be used anywhere you have Internet access or a phone and best of all, you can access your account balances and transaction information 24 hours a day, 7 days a week, 365 days a year.

Internet banking disclosure
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1.         What does Internet banking cost?
This service is free to you, our customer.

2.         What transactions can you do with Internet banking?
You will be able to transfer from one of your SCNB accounts to another, schedule transfers to occur at a later date, reconcile your account without having to wait on your statement and make regular monthly installment loan payments.

3.         How do you apply for Internet banking?
Sign up is done in person at any SCNB location or by mail.

Sign up is quick and easy, requiring your signature, the account numbers you want to have access to through the Internet, and your e-mail address.   Your temporary password will be assigned to you at the time of signup, if done in person.  If you chose to apply by mail, you will be notified of your temporary password by letter, mailed to your address on record.

4.         How are login names and passwords issued?
The login name is your social security number.  You have the option to change the login name by clicking Online Services and Customer Preferences.  After initial log on to Internet banking, you will be prompted to change your password.   A minimum number of 6 characters are required. We recommend using an alpha-numeric configuration. For added security, always remember to refrain from using commonly known identification numbers.

5.       Does SCNB have a record of my password?
No!  You are responsible for the safeguarding of your password.

6.        How do you log on for the first time?
Access to Internet banking will be available at 6:00 PM the next business day, after you sign up.

First, click Online Banking; second, input your login name, which is your social security number with no dashes; next, input your temporary password and click login. You will be prompted to enter your permanent password.  The online disclosure will appear.  Please take a few minutes to read the disclosure in its entirety, scroll to the bottom and check the box “Thanks, I‘ve already read this”. Then, you can access your accounts. If you check the above-mentioned box, then the online disclosure will not reappear. Failure to check this box will cause the online disclosure to appear every time you log on.

7.        What security features are used with SCNB Internet Banking?
We implement many security features to protect your customer information, including:

128-Bit encryption - (highest commercially available) and secure socket layer protection (SSL).

Inactivity log offs – you will be automatically logged off after 10 minutes of inactivity.

Password Failure - 5 consecutive unsuccessful password attempts will cause your password to become invalid.

Password Expiration – No Internet banking activity within the first 14 days of signup or within any consecutive 90-day period will cause your password to become invalid.

8.         What are your options if your password has become invalid?
If you remember your password, your password can be reset by contacting the bank at (417) 723-5225 on Monday through Friday.  Passwords can be reset only during normal banking hours. If you do not remember your password, a new temporary password must be issued by contacting the bank. New temporary passwords can be issued only during normal banking hours on Monday through Friday.  After logging on with your new temporary password, you will be prompted to change that password to your new permanent password.

9.         When will an online transfer be credited to your account?
We will make reasonable efforts to see that transfers initiated through SCNB Internet banking before 3:00 PM CST on a business day are posted to your account the same day.   Transfers completed after 3:00 PM CST on a business day, Saturday, Sunday or banking holiday will be posted on the next business day.

10.      Can online transfer requests be cancelled?
You may cancel through the Internet any online initiated transfer request up to 2:00 PM CST the day of the requested transfer.  Only those transfers initiated through the Internet may be cancelled through the Internet. ACH or any other preauthorized payment transfers cannot be cancelled through the Internet.

11.      Are there limits to the number of transactions you can make on Internet banking?
There is no limit on regular checking accounts.

You may make an unlimited number of deposits or transfers into a savings or money market account (Rock account); however, you may make no more than six (6) withdrawals or transfers out of such an account per statement cycle (not counting transactions made at ATMs, in-person transactions or automatic transfers).   Transfers made by telephone and personal computers are counted towards the six (6) total permitted withdrawals or transfers out per statement cycle.  If you exceed the restrictions, we may close the savings or money market (Rock) account and transfer the funds to a regular checking account.

12.      What additional features can be found at SCNB Internet banking?
You may download your online account information into Money® & Quicken®; this feature is limited to 2004 versions and older.  We also offer a handy reminder feature, which can be tailored by you to e-mail any reminders to yourself such as low account balances, upcoming payments or certificate maturities. You may identify accounts with names of your choosing, such as vacation account instead of #12345, by clicking Online Services, Customer Preferences and Friendly Names.

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Telephone banking:

13.      What is the phone number for telephone banking?
For Crane customers the local number is 723-1004.  For those customers outside of Crane, we offer the following toll free number:      888-380-9822.

14.      How do you access telephone banking?
You will be prompted by the system to enter your customer number (your social security number) followed by the # sign.  If this is your first time to the telephone banking system, you will also be prompted to enter your temporary PIN (personal identification number)  (last four digits of  your social security number) followed by the # sign. You will then be prompted to change that number to your permanent PIN followed by the # sign. You are required to use a minimum of 4 characters when selecting your permanent PIN.

15.      The menu selection is as follows:
 

#1 Checking
#2 Savings
#3 Transfer between accounts
#4 Certificates of deposit
#5 Loans and loan payments
#6 Change security code
#9 Repeat menu
*    Hang up

After your initial visit to telephone banking, you may choose to bypass the welcome announcement. To bypass the announcement at any time, simply begin entering your customer number followed by the # sign.  At this point, you will simply need to follow the telephone prompts, which will then direct you to the main menu.