Whether you have a business to run, or a busy life to manage, MVSB's online banking can help. We offer Net Banking and NetPay for individuals and businesses, as well as online Cash Management for businesses, so you can conveniently stay connected to your finances, anytime, anywhere.
On this page, you will find answers to the most frequently asked questions about online banking at MVSB.
Do you still have questions? Please contact us in the way that is most convenient for you:
Online Banking Basics: How Do I?
Security Basics: How Am I Protected?
Solving Common Problems: Quick Help
How do I get started?
Consult the illustrated instructions on the NetBanking page and the NetPay Guide
What will I be able to do with NetBanking?
NetBanking provides many solutions to MVSB's customers. You will be able to:
How do I add or remove accounts from NetBanking?
Our customer service team will assist you in adding or removing accounts from NetBanking. Please contact us in the way that is most convenient for you:
How soon will I be able to access my account information after I sign up with the service?
You will be set up immediately if you sign your application in person. If you mail or fax your signed application you will be set up within 24 hours of receipt of the application. A letter will be mailed to you with your ID and password.
How do I add the optional NetPay service if I did not select it when I applied for NetBanking?
You can fill out the NetPay portion of the application and fax, mail, or bring the application to any branch.
Who can I pay using NetPay?
You can pay anyone in the United States - from your next door neighbor, to your utility company, or even a child in college across the country. However, you can not pay federal tax payments, alimony and child support through NetPay.
Are there any minimum or maximum payment amounts?
The minimum amount you may make a payment for is $0.01. The maximum check amount is $9,999,999.99. The maximum electronic payment is $500,000.
What is the difference between an electronic payee and check payee?
Electronic payees will receive their payments via electronic means. Check payees will have paper checks sent to them.
How do I know if the payee is electronic or check?
Once you have set up the payee, then you can look at the "View Payee List" screen and you will see a field that will tell you if the payee is electronic or check. The words "Electronic" or "Check" also appear next to the payee name on the Pay Bills screen.
What do I do if my payee didn't supply an account and/or phone number to me?
Including the correct account number on any type of payment - whether sent via NetPay or more traditional methods is recommended to ensure speedy and accurate processing of your payments. However, we all have bills that we pay where no account number is available - especially when paying individuals instead of businesses. In this case, you should type "Not Applicable" or "N/A" into the account number field.
The phone number field is part of the information stored with each payee that you add. It is there for convenience only -- it is not used by the NetPay system when paying bills. If you ever need to contact your payee, you can use the View Payees function and you will see the phone number. If you do not have a phone number for a payee, you may enter anything as long as it is in the format "(nnn)nnn-nnnn."
How can I set up recurring payments?
You can set up payments in the following frequencies: One-time, Weekly, Bi-weekly, Monthly, Semi-monthly, Annually, Quarterly, Semi-annually.
How far in advance should I set up a payment to ensure it is paid on time?
To allow time for the payee to receive and process the payment, we recommend you send electronic payments at least 2-3 business days before the payment is due. For payees who receive paper checks, we recommend you send payments at least 5-7 business days before the payment is due.
When are the payments processed?
Payments are processed Monday through Friday at 2:00 AM and 12:00 PM eastern standard time. If your scheduled payment falls on a weekend or holiday, NetPay will automatically switch the payment date to the prior business day.
When will the money be taken out of my account?
For electronic payments, the money will be withdrawn from your account on the payment date you have set. For paper check payments, the money will be withdrawn after the payee cashes the check, and that check is presented to MVSB for payment.
Can I have multiple payments to the same payee on the same day?
Yes.
How do I edit payee addresses?
For electronic payees, you will need to set up a new payee with the correct address and delete the old one. For check payees, you can click on “edit” to change the payee’s address.
What are some of the features MVSB uses to protect me?
State-of-the-art technology and extensive planning is used to keep your information secure. Some of our many specific features used to keep your information secure are:
If you have difficulties, contact us in the way that is most convenient for you:
Can other people see my account information?
No, your account information is as secure as it is at the physical bank. We've taken every step possible to be sure our system meets the latest security standards, including using the most up-to-date encryption methods and software.
What are "spoofing", "phishing", "pharming", and "malware"? Meredith Village Savings Bank offers advanced state-of-the-art technology to protect your confidential information and provide deterrent mechanisms for preventing fraud and identity theft. Some of the common tactics used by criminals include:
How does the challenge question process work?
For security reasons, an additional authentication procedure has been employed for online transactions that might be risky. In order for this security feature to work, the system will perform data collection where you will be asked to select three secret questions and answer them. When considering your secret questions, select those with answers that will be easy for you to remember but are also unknown to others. If the system determines that you are behaving in a way that is atypical or risky, it will ask you one or more of these questions before the risky transaction is completed. Assuming you have answered the secret questions correctly, the transaction you initiated will proceed.
Why is MVSB using watermarks (personal images)?
The watermark is an additional authentication procedure that will be employed to improve security for our users. You will be prompted to select your own personal image at your next login. One change you'll notice right away is that on the login page, you'll only be asked for your NetBanking ID. Once you've supplied your ID, a secondary login page will appear. This page will not only request your password, but it will also include your personally selected image. You'll be sure that the site you are logging in to is Meredith Village Savings Bank, not a cleverly duplicated copy - because criminals will not be able to duplicate your image. If the image is incorrect, do not login and contact the bank immediately. Just as you can change your security questions at any time, you'll be able to change your watermark image as well.
Who do I contact if I have a problem?
The solutions to the most common problems are listed below. Should you need additional assistance, please contact us in the way that is most convenient for you:
I can't seem to log on. What could the problem be?
Common reasons for difficulty logging in include the following. See below for possible solutions:
Help: I've forgotten my ID and/or password.
Please contact us in the way that is most convenient for you:
MVSB does not know your password, but Customer Service can reset it to a known value that enables you to log in to NetBanking. When you log in after the reset, NetBanking will ask you to change the password again. At this time you can change it to something you'll remember.
Help: I entered the incorrect password three times and I'm locked out.
Your NetBanking account is automatically locked after 3 unsuccessful login attempts. The locking procedure is for your protection. This prevents any hackers or computer programs from repeated attempts to access your account. You must contact Customer Service to unlock your account. Please contact us in the way that is most convenient for you:
Help: The system couldn't verify my identity.
An additional security measure has been added to NetBanking to keep your accounts and information safer. In order for this security feature to work, the system will ask you to select three secret questions and answer them. If you are doing something that you would not normally do, or may be considered risky, you will be asked one or more of these questions before the risky transaction is completed. If you answer the questions incorrectly three times, NetBanking will "block" you out, and give you the following message "We're sorry we were unable to verify your identity. In order to protect your account we have declined your requested action and terminated your on-line banking session." Only your ability to bank online has been temporarily halted - no other holds or issues have been created with your accounts. You will not be able to log back in to NetBanking until you contact us so we can reset your account in the way that is most convenient for you:
Help: I clicked on the "Log In to NetBanking" button on the home page, but nothing happened.
Each time you click on the "Log In" button, a new window will open where you will enter your User ID. However, if you have installed special software that blocks pop-up windows, the software may prevent the NetBanking window from appearing. If you are using pop-up-stopper software, you will need to tell your software to allow "www.netteller.com" to launch pop-up windows.
Help: I get a warning that "some items on this page are not secure."
First and foremost, your banking session including your User ID and password are protected by the highest encryption technology available. You can rest assured that your banking transactions are fully secure. You are seeing this message because some of the graphics on the page may not be secure. These graphics have no effect on the security of your banking session. Again, your User ID, password, and all banking transactions are fully encrypted.
Help: How do I know if my browser utilizes 128-bit encryption?
You must have 128-bit encryption to access NetBanking and NetPay. Click on the "Test Browser" button on the NetBanking login page. This will test your browser and tell you what version it is and what strength encryption it has. If you have less than 128-bit encryption you will be provided a link to download the 128-bit version of your browser for free.
Help: My password has expired.
For your protection, NetBanking requires you to select a new password every 270 days. This interval starts over whenever you change your password.
Help: I scheduled a payment for a date that's already gone by.
NetPay will automatically switch the payment date to the next available business day. If you schedule a payment before 12:00 noon Eastern on a business day, the payment will be made that day. Otherwise the payment will be made the following business day.
Help: I don't have enough money in my account for the bill payment to clear.
When the items are presented for payment, we will follow our standard non-sufficient fund guidelines:
