Processing...
National Cooperative Bank, N.A.

  1. Exactly what equipment and software do I need to access NCB's Personal and Small Business Banking website?
  2. Is the Internet safe and secure for online banking?
  3. Can anyone else see my account information? Is it out in the public?
  4. What if NCB's Personal and Small Business website goes down? Will my payments be made, will my transfers go through?
  5. How long does it take for a payment to reach my payee?
  6. What type of accounts are included in NCB's Personal and Small Business website?
  7. Can I have more than one checking account linked to NCB's Personal and Small Business website?
  8. How current is this information?
  9. Should the payment date I give be the date the payment is actually due?
  10. How soon are the funds actually taken out of my account?
  11. What happens if I don't have enough money in my account to cover a bill payment?
  12. Why does it take a few days to process payments?
  13. What should I do if a payee has not posted my payment?
  14. How can I prove payments and transfers were made?
  15. Can I choose the method of payment?
  16. Does NCB's Personal and Small Business website work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?
Question #1
Exactly what Web Browser do I need to access NCB's Personal and Small Business website?

Answer:
Browser Choices: Internet Explorer 11, Mozilla Firefox 66 or higher, Chrome 70 or higher, Edge 40 or higher. 

Back to Top

Question #2
Is the Internet safe and secure for online banking?

Answer:    
Yes – From the moment account information leaves your computer to the time it enters our system, all online access and Bill Pay sessions are encrypted.   Our computer systems are protected 24 hours a day by a firewall that blocks unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.

 

Our layered approach to online security extends beyond a unique username and password, encryption, firewalls, technology updates, and continuous surveillance. We have additional security measures that may be activated in response to certain activities or events. If we are suspicious of any online behavior, we may restrict online access to accounts or prevent certain types of transactions. These measures safeguard your identity and your accounts. Further proof of identity may be required before online access is restored.

Back to Top

Question #3
Can anyone else see my account information?

Answer:
Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID and Pass Code.

 

When you sign up for online access, NCB asks you to create your own username to access your accounts. We now allow you to select your own, personal username to sign on, instead of your Social Security number. We strongly recommend that you do not use your Social Security number as a username.

We ask Online Banking customers to select three security questions and provide answers. If your computer is not recognized upon login, you will be asked to confirm answers to your security questions. Your correct answers to security questions will help us verify your identity.

Our security team maintains and monitors our security systems to increase the security of your accounts.

Back to Top

Question #4
What if the NCB Personal and Small Business website goes down? Will my payments be made, will my transfers go through?

Answer:
If NCB's Personal and Small Business website along with our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the bank to ensure your transaction request has been accepted.

Back to Top

Question #5
How long does it take for a payment to reach my payee?

Answer:
Each payment made by NCB's Personal and Small Business website will be processed either by check or by electronic funds transfer. Payments made by check will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.

Back to Top

Question #6
What type of accounts are included in NCB's Personal and Small Business website?

Answer:
You can access the following types of accounts:
  • Checking
  • Savings
  • Loan
  • CD's       

Back to Top

Question #7
Can I have more than one checking account linked to NCB's Personal and Small Business website?

Answer:
Yes. You can link all of your checking accounts to NCB's Personal and Small Business website.

Back to Top

Question #8
How current is this information?

Answer:
All transactions and balance updates are real time. 

Back to Top

Question #9
Should the payment date I give be the date the payment is actually due?

Answer:
No. You may want to allow some time for the payment to reach your payee, so enter a delivery date before the actual due date.

Back to Top

Question #10
How soon are the funds actually taken out of my account?

Answer:
Bill payments are processed exactly as if you had processed the payment yourself. If the payment is made by an online check, the funds will be taken out of your account when your payee deposits the check and the item clears the Bank. If the payment is made electronically, the funds are withdrawn the date the transaction is processed.

Back to Top

Question #11
What happens if I don't have enough money in my account to cover a bill payment?

Answer:
If your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the payment will be returned for insufficient funds.

Back to Top

Question #12
Why does it take a few days to process payments?

Answer:
Although a number of your payees accept payments electronically, some do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account.

Back to Top

Question #13
What should I do if a payee has not posted my payment?

Answer:
You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Ref #" column. The payment will then be traced and a status response will be sent to you.

Back to Top

Question #14
How can I prove payments and transfers were made?

Answer:
With each payment and transfer, you are given a reference number so you know we received it. In addition, payments and transfers will appear on your transaction register so you can see they posted.

Back to Top    

Question #15
Can I choose the method of payment?

Answer:
No. The NCB Personal and Small Banking website will process the payment electronically if possible. If not, then an Online Check is produced.

Back to Top

Question #16
Does NCB's Personal and Small Business website work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?

Answer:
Absolutely. NCB's Personal and Small Business website was designed to be highly compatible with these popular software products. You can access the export capability from the Reports screen.