What do I need to start using internet banking?
Is internet banking with Online Banking secure?
What is my Password?
Why is it asking me to change my password?
I can't remember my password. What do I do now?
I'm a First Time User of Online Banking. How do I start?
I have a joint account. How do I access my account?
After I log on to Online Banking, what should I do first?
One of the choices to log on the Account Type is COD. What is that?

User Information

When do my banking transactions appear on Online Banking?
Am I able to access Online Banking anytime?
How can I be certain that a transfer I set up will happen?
How do I cancel a one-time transfer or scheduled transfer?
When I get large amounts in my accounts, why can't I see all of the numbers?
Why can't I see my spouse's account?
Can I use Online Banking with my Quicken or Microsoft Money?
Can Account Access be denied?

1. What do I need to start using Internet banking?

You'll need to know your account number, which will be your Online Banking "Access ID". You will also need a password. During the initial account setup, your password will be your Dial Direct Telephone Banking password. If you do not have a Dial Direct password, your password will be the last four digits of your Social Security Number. For your account security, you will be asked to change your password after the initial setup.

When entering the required information, please do not include any special characters such as hyphens (-) or commas (,).

If you have any problems during setup, please consult our online FAQ Page or contact one of our friendly Customer Service Representatives at 262-878-3763.

Internet Explorer 6.0 or Netscape Communicator 7.2 are recommended. Some online banking features may not be available with earlier browser versions.

If you need to upgrade your browser, you can download the required browser now:

For best results, your screen resolution should be set to 800 x 600 Resolution.

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2. Is Internet banking with Online Banking secure?

The server that stores your Community State Bank account information uses Secure Sockets Layer protocol (SSL). This security encrypts the data sent making it difficult to see your information. In other words, your information is sent in a scrambled format. To ensure that the information is being sent from a secure server, the address will start with https:// rather than http:// and you will notice that you are receiving the information from an SSL server securely if you see a closed padlock at the bottom of your screen like this:

Using 128-bit encryption technology scrambling your information, it would take a computer dedicated to doing nothing else many years to unscramble. We require that Internet Explorer browsers use the 128-bit high encryption pack option for the strongest security available. Internet Explorer High Encryption Pack is available for download now.

Netscape users must use Netscape Communicator 4.61 or greater with 128-bit encryption to access Online Banking.

Netscape Navigator 2.0 and 3.0 display a broken key icon when on a site that doesn't require encryption and a solid key appears when the site is secure. However, Netscape users of Online Banking must use Netscape Communicator 4.5 or greater with 128-bit encryption, so you should upgrade your browser if you do not see a closed padlock.

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3. What is my Password?

Your Password can be any code you choose, using at least six (6) letters and/or numbers. The Password must be alpha-numeric. Your password must contain at least one letter and one number.

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4. Why is it asking me to change my password?

For your account security, you are required to change your password every 90 days (3 months). The system will prompt you to change your password when the 90 days has passed.

In addition, if you have not logged into Online Banking for 6 months or more, it will drop your user information from the system due to inactivity. In this case, you must sign up as a First Time User (see #6). If you have problems, call a Customer Service Representative at 262-878-3763 and they will help you set up a new user account.

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5. I can't remember my password. What do I do now?

With so many sites today requiring usernames and passwords, sometimes remembering the correct password can be challenging. If you have forgotten your password, please call a Customer Service Representative at your local branch office to have them help you resolve the issue.

Before you begin, read the Terms and Conditions. To access Internet banking, click on the Log In button found on the Community State Bank website. You will then see a "First Time Users" button for you to use. Complete the information as requested on the screen:

First Time Log In and First Time User Information

* First Name
* Last Name
* Address Line 1:
Address Line 2:
* City
* State
E-mail Address
* Home Phone
Work Number
* Account Number 1:
* Account Type 1: Checking
* Password
*Indicates Required Field

When the screen asks for your Password, this is where you will enter your DialDirect Password. (Note: If you do not have a DialDirect Password, you will have to call a Customer Service Representative).

After choosing "Submit", The screen will appear like this:

Access ID:
Password:
Confirm Password:

You will then be asked to change your Access ID and Password. (Your Password for DialDirect will remain unchanged). The bank will not know the Access ID and Password you choose, so you must carefully protect and remember it. You may choose to change your Access ID (but it is not required, you may choose to re-enter your account number), however you are required to change your Password at this time. Your password must contain at least one letter and one number and be a minimum of six (6) characters in length.

After this First Time entry to Online Banking, you will simply Log In using your Access ID and your new Password.

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7. I have a joint account. How do I access my account?

Each customer needs to sign on to Online Banking with his or her own Access ID and Password. If one signer on the account has already accessed Online Banking using the "First Time User" button, their Access ID (this may be the account number) is assigned to that password. If an access ID is in use, or has been chosen by another community state bank customer, you will receive an error message. If you receive this error message please contact a customer service representative immediately at (262) 878-3763. Note: Joint account holders cannot use the same Access ID (account number) to access their Community State Bank accounts, even if they set up different passwords.

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8. After I log on to Online Banking, what should I do first?

Welcome! Once you're logged in to your accounts, there isn't any right or wrong thing to do first. The "Options" button makes it very easy to change your password, and we encourage you to make a habit of changing it often for your own security.

Click on the "My Accounts" button to see your accounts listed. You can view each of them in more detail by clicking on the corresponding account number. You will be brought to the "Balances" screen. Just click on the other available buttons to see the different types of information now available to you.

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9. One of the choices to log on the Account Type is COD. What is that?
How do I log on using my Certificate of Deposit as my account type?

COD means Certificate of Deposit. You can log on using your Certificate of Deposit number by choosing this account type.

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10. When do my banking transactions appear on Online Banking?

You are able to view your financial information "live". Any electronic items, including ATM or debit card transactions, or in person transactions will appear immediately under the "current day transactions".

When you write out checks that are cashed by others who do not bank with Community State Bank, the total amount of those checks will appear in a group as "Memo Posted Debits". As Community State Bank pays them, they will appear under your "Current Statement" as individual checks and their corresponding amounts.

Transactions that we receive, but have not been run through the bank yet, are listed in a group as "Memo Posted Debits". This is found in the "Current Business Day" section of the transaction menu. This is the most up-to-the-second balance of your account.

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11. Am I able to access Online Banking anytime?

You can gain access to Online Banking seven days a week, 24 hours a day. However, some or all of the Online Banking services could be unavailable from time to time for system maintenance and repairs. We will attempt to notify you of scheduled maintenance by posting a notice on our web site.

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12. How can I be certain that a transfer I set up will happen?

One time transfer. You can rest assured when you receive a Confirmation Number that your "One Time Transfer" occurred. We recommend that you print the frame with your Confirmation Number on it. (Write down the Confirmation Number and transfer information if printing is not possible.) If you have any questions about this transaction, we will need this Confirmation Number in order to help you.

You will be able to view the transfers by choosing the "Transactions" button for each of the saving or deposit accounts and looking at the "Current Business Day". A transfer made from a deposit account will appear immediately, however the payment made to a loan account or Personal Reserve Account (PRA) will appear only after the nightly bank processing update.

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13. How do I cancel a one-time transfer?

One time transfers are "real time" meaning once you submit your transfer request, it affects the balance. To "undo" the transfer, you have to reverse the transfer. That is, to "reverse" a transfer you just made of $100.00 from your checking account to your savings account, you would now need to transfer the same amount of $100.00 from your savings account back to your checking account.

How do I cancel a scheduled transfer?

Scheduled transfers are not "real time"; that is, they go into effect during the nightly banking update. So, if a transfer is scheduled for the current business day, you can still change it before the update. Turning the scheduled number to zero will cancel any transfer.

View your scheduled transfers to be held in the future on each account using the "Transfer" button. To modify a transfer, click on the link to the account you wish to change. It will open the transfer details you had set up. To cancel the scheduled transfer, change the remaining transfers to zero, or make other changes you wish. Choose "Update Transfer Information".

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14. When I get large amounts in my accounts, why can't I see all of the numbers?

For best viewing, your screen resolution should be set to 800 x 600.

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15. Why can't I see my spouse's account?

Your password allows you access to the accounts which you are an owner or signer. If you are not able to view an account which you believe you should be able to see, contact Community State Bank customer service at 262.878.3763 during regular business hours. If you are not an owner or signer on an account, you will not be given access to that account. For example, if your spouse holds an account in his or her own name, you will not be able to view it in your household accounts.

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16. Can I use Online Banking with my Quicken or Microsoft Money?

You can export your transaction information from Online Banking. First select the account you wish to export the information from. Choose the "Transaction Button", and then choose "Export". You will be able to select the format that your financial software accepts: Comma Separated File (.CSV), Quicken Interchange Format (.QIF), or Open Financial Exchange (OFX). When you are using your financial software, Quicken or Microsoft Money, for example, you can use their import function to bring in the Online Banking information file that was exported.

Quicken 2005 Users: Beginning with Quicken 2005 for Windows, QIF Import will no longer be available for most account types. Instead, an OFX file will become the industry standard. In order to provide this new service, Quicken suggests all banks pay an annual license fee. Until we see more demand for this service, we will not license with Quicken for the new 2005 version. Older versions of Quicken will still be able to import the available file formats.

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17. Can Account Access be denied?

If you fail to log in three (3) consecutive times the system will lock you out for one (1) hour. If you are locked out three (3) consecutive times, your access to the system will be terminated. This will require you to call a customers service representative before you are subsequently able to use the system.

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