Frequently Asked Questions
Question #1
What equipment and software do I need to access GBank Online?
Answer:
You will need an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud is recommended), and Browser software which supports Secure Sockets Layer (SSL) encryption. For best results, we recommend Microsoft Internet Explorer 5.5, and Netscape Navigator 4.7 or higher. In all cases it is important that you be on the most recent release of whatever version you are on.
Question #2
Is the Internet safe and secure for online banking?
Answer:
Yes. We use 128-bit encryption: Secure Socket Layer 3.0 (SSL) for all communications. This is currently the highest level of security available for Internet transactions.
Question #3
Can anyone else see my account information?
Answer:
No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your Sign-On ID and Pass Code.
You can help safeguard your information and the banking systems by protecting your Sign-On ID and Pass Code. A proper combination of your Sign-On ID and Pass Code is the only way to get access into your account. Please be careful to keep this information secure and Signoff.
Question #4
What if GBank Online goes down? Will my payments be made, will my transfers go through?
Answer:
If GBank Online and all of our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the bank to ensure your transaction request has been accepted.
Question #5
How long does it take for a payment to reach my payee?
Answer:
Each payment made by GBank Online will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer allow up to three business days for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.
Question #6
What if I don't sign up for Bill Payment initially and later decide that I want to sign up?
Answer:
You can sign up for Bill Payment anytime you want. Send in a request through our Contact email.
Question #7
What types of accounts are included in GBank Online?
Answer:
You can access the following types of accounts:
- Checking
- Savings
- Loan
- CD's
Question #8
Can I have more than one checking account linked to GBank Online?
Answer:
Yes. You can link all of your checking accounts to GBank Online.
Question #9
How current is the information in GBank Online?
Answer:
All transactions and balance updates are performed once each business day. Therefore, any transactions you perform today that change your balance (i.e. deposits, ATM withdrawals, etc.), will be shown in your balance on our next business day. Certain ATM transactions can take longer periods to clear, and will not be deducted from your account balance until they have cleared.
Question #10
Should the payment date I give be the date the payment is actually due?
Answer:
No. You need to allow seven (7) business days for the payment to reach your payee, so enter a date seven (7) business days before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.
Question #11
How soon are the funds actually taken out of my account?
Answer:
If the payment is sent electronically, the funds are debited on the scheduled payment date or the next business day if the payment date is a weekend or holiday. If the payment is sent by check, the funds are debited at the time that the check clears your account.
Question #12
What happens if I don't have enough money in my account to cover a bill payment?
Answer:
If your account has a sufficient overdraft amount to cover the electronic payment, we will draw against that amount. If there is not a sufficient amount, the payment will fail.
Question #13
When and how are my payments delivered, and how can I ensure that my payee receives my payment on the due date?
Answer:
When you schedule a payment, the payment is active until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee.
Once the system has determined that it is time to process the payment, the payment is changed to a processing status. An electronic funds transfer then processes the payment, or a check is produced and made payable to the payee. The check is then sent to the payee via regular mail.
Since the system requires you to submit payment requests seven business days in advance, this ensures there is sufficient lead time to process your request and get it to the payee by the date you specify.
Question #14
Why does it take a few days to process payments?
Answer:
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few extra days for processing and delivery, you can look forward to your bills being paid on time.
Question #15
What should I do if a payee has not posted my payment?
Answer:
You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Chk #/Ref #" column. The payment will then be traced and a status response will be sent to you.
Question #16
How can I prove payments and transfers were made?
Answer:
With each bill payment, you are given a reference number. This reference number indicates that we have received it and is used for tracking payments if a problem occurs.
Electonic payments and internal transfers appear on your transaction screen.
Your monthly statement from your payee should also indicate the date and amount of the payment.
Question #17
How much does it cost to use Bill Pay?
Answer:
Bill payment is offered as a free service to our customers.
Question #18
How will the payments be made?
Answer:
We use two methods of payment:
Electronic - GBank Online sends an electronic credit to your payee. Your account is debited on the payment process date.
Laser Draft - A paper check is sent to your payee by mail drawn on your account. The amount of the payment is debited when the check clears your account.
Question #19:
Can I choose the method of payment?
Answer:
Yes. If the payment is accepted electronically you will need to set the payment type to electronic. If the payee does not accept electronic payments, the item will automatically set the payment type to check.
Question #20
Does GBank Online work with Quicken?
Answer:
Absolutely. GBank Online was designed to be highly compatible with this popular software. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) downloading capability right into GBank Online. You can access the download feature by clicking on "download" in the dropdown box next to the selected account.
