Electronic Banking Help

What is Internet Banking?

Internet Banking allows you to perform various transactions on your computer from any location, as long as you have access to the Internet and a secure browser. Through Wayne Bank's Internet banking service, you can check account balances, review account transactions, transfer funds between your accounts, pay bills and stop payment on a check.

What are the features and services provided by Internet Banking?

  • Detailed transaction history for your Wayne Bank accounts.
  • Ability to update your profile information.
  • Ability to initiate immediate, future and recurring transfers between your Wayne Bank accounts.
  • Options for immediate, future and recurring bill payments from your Wayne Bank transaction accounts.
  • Ability to export transaction information into .CSV.
  • Initiate or review the status of "stop payment" orders in your transaction accounts.
  • Order checks for your Wayne Bank transaction accounts.
  • Contact information for Wayne Bank customer service.
  • Send email alerts to your email address to track balances, deposits, etc.
  • eStatements.
  • eBills

When is Internet Banking open for business?

We're up when you are!

What steps do I take to begin using Internet Banking?

  1. To be a user, you need to have a checking, savings or loan account with Wayne Bank.
  2. If you have an account and currently utilize Wayne Bank's telephone banking service, just complete the fields in the Enroll Now section of this site.
  3. If you have an account but currently do not use telephone banking, we ask that you follow the directions in Section 1 of the Enroll Now/Open Your Account page.

What is Telephone Banking?

Telephone Banking is an automated system which provides access to your account information from a touch-tone telephone.

What is the cost for Internet Banking and Telephone Banking?

Both are absolutely free account access services at Wayne Bank. We encourage you to use them and enjoy their convenience and efficiency. Of course, standard fees, such as for stop payments and return checks still apply.

How do I access the telephone banking service?

The telephone number for Telephone Banking is 1-877-WAYNEBK (1-877-929-6325).

Will I have access to all my accounts?

Currently, you can access your deposit accounts, consumer loan accounts, mortgage loans and lines of credit using either Internet Banking or the Telephone Banking access system.

What equipment/software do I need?

All you need is a computer connected to the Internet.  For details on supported Internet browsers, please click on http://www.hostbyweb.net/securebrowser/

What do I do if I have trouble logging on to the Internet?

There are several possibilities. If you are having problems accessing any web site, please contact your Internet Service Provider (ISP). If you can access other Web sites but not ours, then either the system is off-line for updating or we are experiencing a temporary disruption of service. Please try again in a few hours.

I use America Online and cannot access the Internet banking site.

Our Internet banking product does not support the internal browser of America Online. Please use an external browser, such as Google Chrome, Firefox, Opera, Safari or Internet Explorer. You can download these from the Internet and use them with AOL.

Can I access Internet Banking via Web TV?

No, WebTV has security encryption limitations preventing access.

How secure is Internet Banking?

We protect your privacy in two ways. First, Internet Banking creates a secure connection between your browser and our secure server using 128-bit Secure Sockets Layer (SSL) encryption (see next question). The second means of protection is through the use of multiple-factor authentication techniques as prescribed by bank regulatory agencies. Multiple factor identification adds layers of authentication information in addition to user names and passwords and, in some cases, employs a physical device.

What types of security measures are taken to prevent sensitive information from being intercepted online?

When logging onto Internet Banking, you enter our "secure server" area using 128-bit Secure Sockets Layer (SSL) cryptography. SSL uses public key cryptography to secure transmissions over the Internet. When you are using Internet Banking, all information passing between your computer and our server is encrypted. Our security infrastructure has received the International Computer Security Agency's (ICSA) TruSecure Certification. Receipt of ICSA certification is equivalent to the Good Housekeeping Seal of Approval and is the most comprehensive security audit available today.

What should I, the customer, do to provide security for my Internet Banking account?

You have your own set of responsibilities in providing security for your Internet bank account.

  • Keep all of your authentication information secret (this includes all levels). Be sure that you are not being observed as you enter information.
  • Take precautions to keep computers clean and free from viruses and other malware that could be used to capture your keystrokes.
  • When you are finished using Internet Banking, exit the system by logging off before closing your browser.

How do I know if my Internet Banking session is encrypted?

Different Internet Web browsers have different display methods for alerting you for when you have a secure, encrypted connection.  Please refer to each web browser's Help section for more information on understanding how to tell whether you are on a secure, encrypted web site.

What is encryption?

Encryption converts your data (all of it from account numbers to account balances) into a series of unrecognizable numbers before they are exchanged over the Internet. This series of numbers creates a mathematical lock; a lock for which only Wayne Bank and your browser have the key. Wayne Bank works with your Web browser to transform all banking requests into encrypted strings of data, and then back again to the original request. Each time a new online banking session is initiated, a new lock and key combination is randomly created.

If I forget my password or have been locked out of Internet Banking or Telephone Banking, how do I change it?

If you forget your password, you can click "Forget your Password" link on the Internet Banking login page. Then, you must complete the following steps:

  • Enter your Internet Banking Access ID and Wayne Bank will send a password to your email address.
  • Retrieve the password from your email account and enter your Access ID.
  • You may be asked to answer your secret question.
  • The next prompt will be to enter the password sent to your email address.
  • Enter this password successfully and you will be prompted to change your password.
  • The next time you logon to Internet Banking use your new password.

Alternatively, you can contact an Internet Banking customer service representative, who can reset your account password after you verify your information.

How much of my checking account history can I see with Internet Banking?

Approximately 15 months starting from the day you enroll in Internet Banking. Depending on the volume of activity in your account, you may see more or less information.

Can I download my account transaction history into other financial management software?

Yes, an export button is located on the Transactions page. It will process a .CSV file.

Can I transfer funds between my accounts?

Yes, transfers between checking and savings accounts, and from checking or savings to pay installment loans, mortgage loans and consumer credit lines can be made. However, banking regulations limit transfers from savings accounts to six per month.

What time is the deadline each day for completing funds transfers?

The deadline, or cutoff time, each day for funds transfers is 5:30 PM. Any transfers completed after 5:30 PM via electronic banking will not be posted to your accounts until the next business day's processing.

How do I terminate use of the Internet Banking service?

 To terminate access to Internet Banking, please call us at 800-598-5002, or send a secure message from within Internet Banking.

How do I contact the bank with questions I may have?

It's easy! You can:

  1. Click on "Contact Us" from within the Wayne Bank website
  2. Click on the "Secure Message" link within the Internet Banking website
  3. Call us at 1-800-598-5002
  4. Write us at Wayne Bank, PO Box 269, Honesdale PA 18431-0269

How do I use alerts?

Click on the messages - new from the list of accounts page. Select type of alert from the drop-down box and click next. Complete applicable fields and click submit.

Where can I change my image and secret questions and answers?

Click on the Options tab. From this page you can change your password, authentication image, and secret questions and answers. Click the edit button for the category you wish to change.

 

What is Account to Account?

Account to Account allows you to transfer money back and forth between your Wayne Bank checking account(s) and your checking account(s) at other financial institutions.

How do I enroll for Account to Account?

To enroll in Wayne Bank's Account to Account service you will need a working Wayne Bank Internet Banking logon, a Wayne Bank checking account, and an account at another bank.

Logon to Internet Banking and click on the "Transfer Money" tab within Bill Payment. You must read and accept Wayne Bank's Funds Transfer Agreement and Disclosure Statement. Once you have accepted the agreement, you are enrolled and can begin using the Account to Account service.

How much does Account to Account cost?

The good news is that Account to Account is a free service.

How do I setup an Account to Account transfer?

  1. Your external account must be a checking account. Select the Bill Payment tab, then "Transfer Money" tab, then add an account link. Complete the Add Account page with the other financial institution's routing and account numbers. The external account must be a checking account.
  2. To confirm ownership and activate the external account, we will, in approximately two (2) business days, electronically send to your external account two (2) small deposits and one (1) withdrawal (equal to the deposits). Please contact your bank to determine the three (3) amounts that posted to your account. To finalize the process, return to Internet Banking, select the My Accounts tab and select Other Accounts. Enter the amounts of the three transactions.

How do I schedule an Account to Account transfer?

Single or recurring transfers can be scheduled. Click on "Schedule Transfer", select the "from" and "to" accounts, date, amount, and, if recurring, the frequency and number; then click "OK".

How long does it take for an Account to Account transfer to post?

Timing varies depending on the other financial institution. The debit should post to the sending account within two to three (2-3) business days after the "Transfer Date" and the funds should be in the destination account within four to six (4-6) business days after the "Transfer Date".

Are there any transfer limits?

Yes, limits are based on your credit score. Limits are established when your first transaction is scheduled.

Can I pay bills online?

Yes, if you have a checking account with Wayne Bank and are enrolled in Internet Banking you can enroll in our Bill Payment service.

How do I enroll for Bill Payment?

You will need a working Wayne Bank Internet Banking logon and a Wayne Bank checking account to enroll in Wayne Bank's Bill Payment service. Once you logon to Internet Banking click on the Bill Payment tab. You will be instructed to read and accept Wayne Bank's Bill Payment Service Agreement Terms and Conditions. During enrollment, you will be required to enter a valid external email address to allow us to send you bill pay communications. Once you have accepted the terms and conditions, you will be enrolled and can begin using the Bill Payment service.

How much does Bill Payment cost?

The good news is that Bill Payment is a free service.

Who can I pay through Bill Payment?

You can pay businesses, organizations or individuals at verifiable addresses within the United States. A merchant is any company, service or individual to whom you make payments. Merchants can be anyone who bills you, such as:

  • your telephone company
  • your credit card company
  • individuals, such as your landlord or newspaper carrier

Are there any payments I should not make through Bill Payment?

  • Tax or other government payments
  • Court ordered payments
  • Payment to payees outside the United States

Is there a limit on how many bills I can pay per month?

No, you can pay an unlimited number of bills each month.

How much time do I need to allow for my bills to be paid?

You schedule your bills based upon your due date. Use the calendar to determine the earliest available payment date.

Can I schedule payments on the same day each month?

Yes, Bill Payment allows you to schedule recurring payments. Recurring payments are payments that you schedule in advance to repeat at substantially regular intervals in the same amount to the same payee.

What is considered a "business day"?

Our business days are Monday through Friday, excluding holidays.

How do I add a merchant to my list?

Using the "Add a Bill" option, enter a biller name to search merchants or create a new merchant.

When can I begin making payments to a new merchant I added?

You can begin making payments to that merchant immediately.

What if I have multiple accounts with the same merchant?

Each account number requires a merchant name. Therefore, you would have multiple listings of the same merchant name with each having a unique account number.

How does a merchant receive my money?

The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment; an electronic to check payment; or a laser draft payment. (Funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to your financial institution for payment).

What Wayne Bank accounts can I use to pay bills?

Your Wayne Bank checking account(s) may be used to pay bills. If you do not see one of your accounts you may add it by contacting customer service at 800-598-5002.

When I make a payment, when will the money come out of my account?

Your account will be debited on the due date of the payment you processed. Should a future dated or recurring payment date fall on a non-business day the payment request will be entered for processing the preceding business day.

What if my one-time or recurring payment falls on a non-business day?

One-time payments cannot be scheduled for non-business days. Recurring payments are scheduled payments set up to happen on the same day or date each month (example: monthly on the 15th). If one of these recurring dates falls on a non-business day, the payment is processed on the preceding business day.

How will I know if a payment was processed successfully?

The Bill Payment "Payment History" will show a status of "Paid" for that particular payment. However, this does not guarantee the merchant received or posted this payment or that your Wayne Bank account has been debited, this may take up to three (3) business days from the scheduled payment date.

What if my account number with my merchant/payee changes?

When adding a new merchant, we encourage you to verify that you accurately entered your account number that identifies you with that merchant. If your account number with a merchant changes, you can modify this information within the system. It is recommended that you frequently verify all your merchant information within Bill Payment.

What if my payment was not received by the merchant?

Please allow a reasonable processing time of five (5) business days from the date you made your bill payment before notifying us. Then, upon your inquiry to us, we will research the payment and resolve the matter as expeditiously as possible.

How do I cancel or change a bill payment request?

You can cancel or change payments listed as "Pending" on the "Bill Payment" menu anytime up to 10:00 PM Eastern Time of the date you established as the payment date. If the payment date is a non-business day or holiday, you must cancel the payment by 10:00 PM Eastern Time on the preceding business day. The system displays an error message if you attempt to modify a payment after this deadline.

How do I cancel my bill payment service?

You may cancel "bill pay" by using one of the following methods:

  1. Send us a Direct Link secure email containing your name and phone number or,
  2. Send us a signed written request by mail, containing your name, phone number.
  3. Go to the My Profile tab in Bill Pay and select Cancel Service.

For further assistance, you may call us at 800-598-5002.

Before cancelling the service, give careful consideration to the following:

  • Unpaid payments with a status of "Pending", including recurring payments, will be cancelled and not paid.
  • Payments with a status of "Processing" will be paid prior to cancellation.
  • Access to your payment activity will be cancelled and no payment research will be possible. We recommend you verify the status of all scheduled payments prior to cancelling Bill Payment service.
  • If you decide to re-join "bill pay" after terminating, it will be necessary to re-enroll and re-establish your merchant list.

Can I review my payment history?

Payment history is retained for seven (7) years. You may search for past payments by using one or a combination of the following:

  • Date
  • Biller
  • Category
  • Status
  • Account

Can I download transactions to my personal financial manager software?

Yes, an export button is located on the Transaction page. This feature will process a .CSV file which can be saved as an excel file on your computer.

What should I do if I have a question regarding Bill Payment?

  • Contact Bill Payment customer service toll free at: 866-476-3794 - between the hours of 7:00AM and 1:00AM EST, 7 days a week.
  • Or send us a "secure" email using theInternet Banking Secure Mail service
  • Or write to us at:
    Wayne Bank
    Electronic Banking Department
    PO Box 269
    Honesdale, PA 18431-0269

 

How does the Multi-Factor Authentication Security Solution Work?

Our multi-factor authentication security solution provides you added safety by helping ensure that only you can access your bank accounts.

You will be asked to setup your multi-factor authentication, which is a personal security image and phrase that is a shared secret between you and Wayne Bank.

Whenever you input your Access ID, we will show you this image and phrase so you can be assured that you are accessing our internet banking site and not an impostor site.

  1. Input your Access ID and click 'Log In'.
  2. If your computer is recognized by our systems, we will display your multi-factor authentication personal security image and phrase.
  3. If your computer is not recognized, we will ask you one of your secret challenge questions. If you answer correctly, then we will display your image and text.
  4. Only after seeing your multi-factor authentication personal security image and phrase should you input your password to gain access to your Internet banking accounts.

Your multi-factor authentication personal security image and phrase is another way Wayne Bank is protecting your personal information online.

Multi-factor authentication is a quick and easy security measure that helps prevent fraud and identity theft whenever you log on to the Wayne Bank Internet Banking Solution.

This security feature adds a layer of protection to your online account by letting you know you're at our real website, and letting us know it's really you trying to access your account.

Letting you know it's really us

The multi-factor authentication security solution will help you distinguish our real website from a look-a-like. Upon registering for this security feature, you will be required to select a personal security image and phrase. When you see your multi-factor authentication personal security image and phrase displayed on the screen, you can be confident that you are at our real site and that it is safe to enter your password.

Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your multi-factor authentication personal security image and phrase.

Letting us know it's really you

If we do not recognize the computer being used when you are logging on, we will ask you to verify your identity by answering your challenge questions.

When you sign in from a different computer you are asked to answer a challenge question to protect your account. You can choose to have the system register your computer so you will not have to answer your challenge question in the future.

What is multi-factor authentication?

The multi-factor authentication security solution is an enhanced online security feature that is now a standard part of your Internet banking solution logon. As a part of our ongoing commitment to help protect you against identity theft and fraud, multi-factor authentication provides you added safety by helping ensure that only you can access your bank account. Your multi-factor authentication personal security image is a picture and phrase that is a shared secret between you and the bank. When you see your multi-factor authentication personal security image and phrase you can be confident that you are at the legitimate bank web site, not an imposter site.

Make sure you see your multi-factor authentication personal security image and phrase before you enter your password.

In addition, the multi-factor authentication solution remembers which computer(s) you normally use, preventing potential fraudsters from logging into your account even if they somehow get or guess your username and password.

What is Phishing?

Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake web sites that look very much like the sites of legitimate financial institutions. They send out emails randomly with links to these fake web sites. This phenomenon has been called Phishing, (pronounced "fishing").

Why do I need the multi-factor authentication solution?

On the Internet today, fraudsters attempt to steal your identity by impersonating the web sites you trust. The multi-factor authentication security feature helps us to proactively protect you, our customer, against such attacks. In addition, you can ensure that we also recognize you as the true owner of your account. If we don't recognize your computer, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

How does it work?

When you visit your branch office, you know our faces and we know yours. Multi-factor authentication does the same thing over the Internet. This is a method to identify you to us and us to you. When you enroll in multi-factor authentication, you will select a secret image and phrase known only to you. Whenever you logon we will show you this image and phrase so you can be assured that you are accessing the real banking site and not an impostor site.

We also check the computer(s) or device(s) that you are using to access the web site. Typically you will access the web site from one or two computers, such as your work and home machine. Multi-factor authentication remembers your computer. Should you need to logon from a different computer, such as an Internet café, we will take additional steps to verify your identity, such as ask you to provide the answer to challenge questions.

Multi-factor authentication remembers your computer by assigning a unique identifier to each computer you use to access our web site using standard secure cookies. The cookie is used to store the identification information only. No personal or private data is stored in any way.

How is multi-factor authentication more secure?

Multi-factor authentication safeguards you from accidentally revealing your username and password to a fake site. In addition, if someone does get your username and password, they will still not be able to access your account because they are not at your registered computer and cannot answer your challenge question to verify their identity.

What keeps somebody from stealing my multi-factor authentication personal security image and phrase?

We only show you the multi-factor authentication personal security image and phrase if you logon from your own computer, or after you have answered a challenge question. So, it is not possible for an unauthorized person to access your picture.

Why am I being asked a question when I try to logon?

We ask a challenge question when we detect that you are trying to logon from a new computer. This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, we will know it's really you. Generally you will be asked to answer a secret question only when you logon for the first time from a new computer.

After you answer the question, you will be asked whether we should register this computer for future logons. If you are using a personal computer, you should register it. If you are using a public computer, you do not want to register it.

If you register your computer, and continue getting asked to answer the security question, you may have selected settings in your browser that automatically delete cookies.

Can I access my account from multiple computers?

Yes, you can still access your bank account from any number of computers and still have the same multi-factor authentication security. If you logon from a new computer or a public computer, you will just need to go through one extra step of answering a secret question. This helps protect you by keeping unauthorized people from accessing your valuable information. There is no limit on how many different computers you can use to logon to your bank account.

I am not an Internet expert. How easy is multi-factor authentication to use?

Multi-factor authentication has been designed to be user friendly. You don't need to memorize anything new. Use the site as usual and look for your multi-factor authentication personal security image and phrase at logon.

I share my computer with someone who has their own bank account. Can both of us still logon from this machine?

Yes, you can both use the same computer to logon to your individual bank accounts. There is no limit on how many people can logon to the bank web site from the same computer.

What happens if someone steals my password? How will multi-factor authentication keep them from accessing my account?

When an unauthorized person tries to logon using your stolen Access ID and password, we will recognize that they are logging on from a different computer, and ask them one of your challenge questions. Since only you know the answers to your secret questions, they will not be able to give a correct answer. They will not be able to logon.

Can I change my multi-factor authentication image and phrase?

Yes, you can change your multi-factor authentication image and phrase at any time. We will never ask you to change your multi-factor authentication information and we will never change it for you. To make the change, go to the Options tab once you are logged into your account.

How do you know I am logging in from my own computer?

When you logon for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the bank web site and does not contain any of your personal information. When you logon after that, your web browser sends us this cookie. This lets us know that this is your computer.

Does multi-factor authentication use Adobe Flash objects?

Yes. If you have Adobe Flash installed on your computer, we will use Adobe Flash Objects to identify your computer in the event that we can't identify your cookies. By using Flash Objects as a backup method for recognizing you as a valid user, we ensure that your logon experience is as quick and convenient as possible.

What is an Adobe Flash object?

Adobe Flash Objects store data on your computer in much the same way that cookies do. If you have Adobe Flash installed, Wayne Bank can use Flash Objects to recognize your computer in the event that you erase all your cookies. If we can't identify you by your cookies, we can then identify you as a valid user without having to ask you a challenge question.

I am trying to logon from my own computer, but the bank's web site is not showing me my multi-factor authentication personal security image and phrase. Instead, it is asking me a question. What is happening?

This might happen if you have deleted all cookies on your computer. Before answering a secret question or entering your password, make sure that you are going to our legitimate bank web site. The easiest way to ensure this is by typing the URL of our bank (www.waynebank.com) directly into your web browser. After you answer the challenge question, you should see your secret image and phrase next to the password field. If your multi-factor authentication security image and phrase is correct, you can be confident that you are at the legitimate web site and can enter your password.

What is a Trojan or Key Logger?

Organized criminals and malicious hackers use the Internet to exploit personal computer security vulnerabilities, allowing them to capture your personal data. Trojans (short for Trojan Horse) are programs designed to give a criminal access to your PC. With access, the criminal can install additional software on your PC. One popular type of program is a key logger. A key logger records every key you type (including account numbers, and passwords); collects them; and sends them to a server from which the criminal can retrieve the data.

How does multi-factor authentication guard me from a Trojan or Key Logger?

It is always a good idea to have current security software running on your computer. It is also important to be diligent about updating your computer with security patches. In the event your computer is infected, or you use an infected computer, multi-factor authentication offers some measure of additional protection.

If someone tries to use your logon and password from another computer, they will need to know the answer to your challenge question. After a few incorrect attempts your account will be locked. Resetting an account that has been locked requires additional information that only you will be able to provide or receive via your e-mail account.

Has my password changed?

No. The multi-factor authentication personal security image, phrase, and 3 challenge questions and answers you provide are separate from your regular Internet Banking logon password.

How do I enroll in multi-factor authentication?

When you enroll in Wayne Bank's Internet Banking, you will automatically be directed to enroll in multi-factor authentication.  You simply choose a multi-factor authentication personal security image, phrase, and 3 challenge questions.