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What
is Internet Banking?
Montana State Bank Online Banking is a convenient
way to access your accounts without going to the Bank.
Montana State Bank is available to you from your home or
office - 24 hours a day, 7 days a week just by using your
personal computer.
What Can
I Do With Online Banking?
You can access your checking, savings,
certificates of deposits, or loans to verify balances,
*transfer money between accounts, view current and previous
statement and view check images.
*Some
restrictions apply to transfers (ask our Customer Service
Representatives for clarification).
How Do
The Balances That Are Shown Online Compare To The Bank
Computer Balances?
We use “Real Time Access” for our balance
information. This means that the balance you see at home is
exactly what the balance shows at the bank. If you make a
deposit or cash a check or even use your Debit card, you
will be able to see that transaction online immediately.
How Much
Does Internet Banking Cost?
The service is free for our customers.
Is
Internet Banking Private and Secure?
Yes it is. We have incorporated state-of-the-art
security into our Online Banking to ensure both privacy and
security. We require passwords, data encryption, multifactor
image verification, firewalls and internal security
procedures.
What Is Data Encryption?
128-bit electronic data encryption provides
privacy for the data flowing between your computer and the
bank’s online server.
What
is a Firewall?
Our computer systems are protected by a system of
filtering routers and firewalls, which create a protective
shield between the outside Internet and the internal network
of Montana State Bank. We use several layers of technology
to ensure that your Internet transactions are secure and
tamper-proof.
What
Can I Do To Protect Myself?
Your Access ID and Password provide one of the
most important security features for Internet Banking.
Because you can select and change your password at anytime,
you can prevent unauthorized online access to your accounts.
Other security tips:
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Keep your web browser software up-to-date to
take advantage of the latest security
enhancements.
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Take precautions to keep your computers free
from viruses that might be used to capture
password keystrokes or send information from your
hard drive.
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Please be careful where you choose to do your
Internet Banking and what you do with your
transaction data. DO NOT use coffee shop
Internet hook-ups or rented computers. Computers
can be configured to capture private information
from unsuspecting Internet users.
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If you get an unexpected web page asking you for
your credit card, password or account
information, DO NOT disclose this
information.
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DO NOT share diskettes that contain confidential
information even if you think you have erased
the information.
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It is a good idea to shred
printouts of your account information before
discarding them.
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What Equipment Do I Need?
For PC Banking you will need an IBM-compatible personal
computer, running Windows version 3.1 or later, and a
compatible modem. Your browser must support 128-bit
encryption. To access Internet Banking you need Internet
access and a browser with a version of 5.5 or higher (for
best results use Internet Explorer).
Can I Access Internet Banking Through My Current Internet
Service?
Yes. The browsers that we require work with most
Internet service providers.
Who Do I Contact If I Have Problems Or Questions?
You can contact us by calling one of our Customer
Service Representative at Montana State Bank at
800-368-2808, or 406-765-2800, or email us at olbanking@mstatebank.com
How Do I Get Started?
If you have an account with Montana State Bank, you
will need to go to our web site at www.montanastatebank.com,
click on the “Online Banking” button. You will then click on
the “Enrollment” button, which will take you to the
disclosure page. After reading and agreeing to the
disclosure click on the “I Understand and Agree” button.
You will then fill out the Enrollment Form and establish
your own Access ID. We will then mail your temporary
password to you, Once you have received your temporary
password you can go to the Online Banking site and choose
the “Log In” button. At this time you will input your Access
ID and the Password that was sent to you, and you will then
be prompted to change your Password. You will then see a
multifactor image and enter a passphrase, and you will
answer three short security questions. You are now off and
running!
How Long Will It Take To Get
Setup For Online Banking?
Your Password will be assigned and mailed to you within
1-3 days after you enroll online.
When I Log In for the first time I get the error message
“Invalid Security Code”. What am I doing wrong?
When entering your Access ID you will need to enter it
exactly as you entered it upon enrollment, and enter your
Password exactly as we sent it to you in the mail. The
system is case sensitive so be sure to enter capital
letters. Also, if you have not signed onto online banking
for a period of time, the system will delete your
information for security reasons.
If I have multiple checking and savings accounts, do I
have to enroll for each account?
When you enroll using your account you should see all
accounts you are a signer on at Montana State Bank. If you
do not see all accounts they may not be linked to your other
accounts. Contact us and we will help you gain access to
all your accounts.
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