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ONLINE BANKING QUESTIONS

Q: What kind of software do I need to access Online Banking?

A: To access online banking you need only a browser which will give you access to the internet such as Internet Explorer or Netscape, version 4.0 or higher.

Q: How do I access Online Banking?

A: Simply click on Apply to get started.

Q: How frequently is my Home State Bank information updated?

A: Home State Bank & Trust updates all customer information every business day. Whether you access our Online Banking or contact us directly, your account information is updated daily to reflect all account activity.

Q: Can I look at all of my transactions at any time?

A: Yes, with our Online Banking section, you have access to your account information 24 hours a day, 7 days a week!

Q: How long does it take to set up a new payee in the bill payment system?

A: Once you have entered a new payee into the bill payment system, it takes two business days to set up the payee to receive payments.

Q: After I make a bill payment, how long does it take for the money to be debited from my account?

A: The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Tuesday of the same week.

Q: How long does it take for a payment to reach the payee?

A: A payment that generates an electronic payment will credit the payee's account within 2-3 business days; whereas, a paper check will take up to 7 business days.

Q: What kind of information can be obtained online?

A: In addition to obtaining balance information, you can also view transaction history, transfer funds between accounts, pay bills online, view checks and statements, set up a budget and see transactions from other accounts.

Q: What is the cutoff time for online transactions and Bill Pay.

A: The cutoff time for any online transactions such as transfers is 3:00 PM CST. The cutoff time for Bill Pay transactions is 9:00 PM CST

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