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| Three invalid logon attempts will lock you out of Internet Banking. If the customer has activated the Self Reset function, they will be prompted to reset the password after answering personally set security questions. Customers can also call the Internet Banking Customer service department at 800-310-6356 Monday – Friday from 09:00 A.M. – 05:00 P.M. for assistance. |
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| Yes. If you have any Lake Sunapee Bank account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment. |
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| The change can be made through any customer service representative at any Lake Sunapee Bank location, or by clicking on Contact us while in your Online Banking account site. |
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| Lake Sunapee Bank's Online Banking has a Self Reset option in our Online Banking. By following steps in Account Management Options, a customer can set personal security questions. By setting these in advance you will be able to reset yourself if you are locked out. If this is not activated by the customer, they will be prompted to call the Internet Banking Customer service department at 800-310-6356 Monday – Friday from 09:00 A.M. – 05:00 P.M. |
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First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.
For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and Lake Sunapee Bank is both secure and authentic. |
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| Telephone the Internet Banking Department at 800-310-6356, or e-mail your question to info@lakesunbank.com. The Internet Banking Department is open Monday through Friday 9:00A.M. to 5:00P.M. |
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| User ID, PIN, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing. |
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| Internet Banking and Bill Payment is free to all customers. |
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| If you lose/forget your ID or PIN, call Lake Sunapee Bank Internet Banking Customer Service at 800-310-6356. Monday through Friday 9:00A.M. to 5:00P.M. We will then be able to reset your PIN, and mail a PIN reminder with the ID number. |
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- Unlimited in the numbers and types of accounts to access.
- Transfer funds electronically between all checking and savings accounts (regulatory limitations may apply).
- Transfer funds electronically between checking/savings and loan accounts at Lake Sunapee Bank allowing for Interest / Principal payment distribution.
- Transfer funds electronically between lines of credit (Cash Reserve) and checking.
- Statement information on all deposit and loan accounts.
- Check Imaging statement retrieval with front and back images on all cancelled checks.
- Obtain account information on your Checking, Savings, CDs, Loan, and Safe Deposit Accounts.
- Stop payment on checks drawn on your checking account at Lake Sunapee Bank (stop payment charges may apply).
- Download "real time" transactions from any accounts to industry standard money management software.
- Bill Payment Option - access the designated checking account to pay most bills.
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| It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties. |
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| Any Consumer or Sole Proprietor can use Internet Banking and Bill Payment. Partnerships, Corporations, and governmental institutions who require more sophisticated financial services may elect to use our Lakesunbank Business Online product. Contact our Business Services Manager at 800-281-5772 for more information! |
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| Yes. You may not use Bill Payment to pay any government agency. |
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| You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day. |
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| No. In order to change a merchant address, you will be required to set up a new merchant with the correct address and delete the entry with the incorrect address. |
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| Payments issued by check through the Bill Payment service will be drawn directly from your account when presented for payment. A copy can be printed directly from your Online Banking history, as soon as the check clears. |
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Yes. You can set up recurring payments in the following frequencies:- Weekly
- Bi-Weekly
- Semi-monthly
- Monthly
- Quarterly
- Semi-Annually
- Annually
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| Yes, as long as you have a checking account at Lake Sunapee Bank; however, payments can only be made to locations in the United States. |
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| Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check. The form of payment will also display whenever setting up a new payment. If a payment is being made as a check, attempts are made to convert this to an electronic payment. If the option becomes available you will recieve immediate notification in your Bill Payment site. |
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| You may schedule payments as far in the future as you want. Recurring payments can have an ending date of any year in the future. |
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| Check payments should be scheduled at least 8-10 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3-5 business days in advance of when you want the payment to be posted at the payee. |
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| Payments submitted before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Payments received after 12:00 Noon CST on Monday-Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day. |
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| Payment History records are kept for one year. |
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| Yes. The minimum payment amount is $0.01. The maximum amount is $9,999.00. |
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Status Value: Payment Pending
Definition: The payment has been processed, but not yet sent.
Status Value: Payment Processed
Definition: The payment has been processed and sent.
Status Value: Hold
Definition: The payment has a research request on it and has not been processed.
Status Value: Stopped
Definition: You have requested the payment to be stopped. It cannot be processed again. |
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| Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed on the next business day. The same applies to Holiday processing. |
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| Bill payment items processed by check are treated just like any other check you write. Should the item be returned, a fee may be incurred. Bill payment items processed electronically, will not process if the funds are not available. |
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| Bill payments made electronically will be immediately debited from your account. Bill payments made by check, will clear from your account once the item is presented by the payee, through their financial institution. |
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| No. The memo field is for your personal records; however, the account number that you entered when you added the payee to your Personal Payee List is printed on the check. |
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| Lake Sunapee Bank Internet Customer Service, 1-800-310-6356, Monday through Friday, 9:00 AM to 5:00 PM. EST |
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| You can pay ANYONE in the United States (excluding government agencies) - from your next door neighbor, to the utility company, the bank, and even a child in college across the country! You cannot make payments to any government agency. |
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| Due to Federal Regulations the customer may not make more than six transfers or withdrawals per month or statement period, when these transfers are made by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction, including Internet Banking. Transferring from a savings or money market account to a loan at Lake Sunapee Bank does not count towards the excessive withdrawal limit. |
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| You may transfer between all your designated deposit or loan accounts at Lake Sunapee Bank. Some accounts may be excluded from transfer capability due to regulatory requirements, bank policy, or loan agreement between the customer and Lake Sunapee Bank. |
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| A transfer can be made up to 7:00 P.M. Newport, NH time during any business day for that transaction to post that night. This includes all transfers between deposit accounts and loans. A transfer made today after 7:00 P.M. will "memo post", but will not actually appear until the next business day. |
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