Digital Banking Guides

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Digital Banking questions? We're here to help!

  • Use our Enrollment Guide to walk-through the enrollment process, step by step.
  • Check out our Digital Banking Guide to help learn the basic functions of our Digital Banking service.
  • We now offer Video Tutorials for our Digital Banking service and products as well. NOTE: This link will take you to the previous River Cities Bank website. Videos will be updated for our new website in February, 2020.

Be sure to check out our Frequently Asked Questions below. If your issue or question remains unanswered, please contact us or visit your nearest Time Federal Savings Bank location today.

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DIGITAL BANKING (BOTH ONLINE AND MOBILE BANKING)

• Do I need to enroll in Online Banking to use Mobile Banking?

Our Digital Banking services offer a one-time user setup, meaning you only need to enroll in one. Your username and password will be the same for both Mobile and Online Banking. However, we still recommend becoming familiar with both Online and Mobile Banking platforms.

• I just opened an account with Time Federal Savings Bank. When can I start using Digital Banking?

You are able to sign up for Digital Banking as soon as you have opened an account and made your first deposit.

• Is Digital Banking safe and secure?

Yes. Mobile Banking has the same level of security as Online Banking. Your personal information is protected by advanced encryption technology to help prevent unauthorized access. There are multiple layers of security to protect your personal information.

• What is a Standard Business Day for Digital Banking Services?

Monday through Friday, excluding holidays. Transfers made on standard business days, prior to 7:00 p.m. CST within Digital Banking are transferred the same day. Mobile Deposits made on standard business days, prior to 5:00 p.m. CST within Mobile Banking are deposited the same day.

• What if my scheduled Digital Banking transfer falls on a weekend or non-business day?

Pre-scheduled transfers will be processed and posted on the prior business day if they fall on a weekend or non-business day.

• Which Time Federal Savings Bank accounts can I transfer to and from?

You may transfer from: Checking, Savings, or Home Equity Line of Credit (HELOC) accounts.

You may transfer to: Checking, Savings, Installment Loans, Mortgage, or Home Equity Line of Credit (HELOC) accounts (credit cards are not included).

• When is the latest I can transfer funds from one Time Federal Savings Bank account to another?

Transfers must be made by 7:00 p.m. CST on business days in order for funds to be available for incoming debits to an account. Transfers to any account made on a Saturday, Sunday, or holiday will appear with the next business day’s date in the account transaction history.

• How long do internal transfers take to process?

Internal transfers between Time Federal Savings Bank accounts are instantly reflected in the account’s available balance.

• Can I transfer money to my account at another financial institution?

From Online Banking: Go to the Transfer tab. Click the button that says Launch External Transfer. You will have to add an external account to transfer to/from. You will need the external account’s checking, savings, money market checking, money market savings or Brokerage numbers, as well as their routing numbers to transfer.

From Mobile Banking: Go to the Transfer & Pay tab. Tap the section that says Make an External Transfer. You will have to add an external account to transfer to/from. You will need the external account’s checking, savings, money market checking, money market savings or Brokerage numbers, as well as their routing numbers to transfer.

• How long does it take for an external transfer to complete to/from another bank?

Due to security processes, it typically takes 2-3 business days for a transfer to/from another financial institution to complete.

• Why does my external transfer ask me to login with my other bank's credentials?

The standard method to transfer funds externally can take up to two business days to process.

If you are transferring funds to a larger regional or national bank, you may see the option to expedite this process by logging-in with your other bank's credentials to make an instant transfer. Our online banking provider has a whitelist of financial institutions that allow instant transfer.

USERNAMES AND PASSWORDS

• Can my username and password for the new Digital Banking service be the same as the old service?

Yes. You are able to re-use your username and password from our previous Digital Banking service, as long as they meet the character requirements.

• Is my Mobile Banking password the same as my Online Banking password?

Yes. Your Mobile Banking and Online Banking passwords will remain the same, even when one is changed.

• I’m getting an error message when I create my username. What’s wrong?

Your username must be between 6 and 19 characters in length, and cannot contain any spaces. Please limit the use of special characters.

• I’m getting an error message when creating/changing my password. What’s wrong?

New passwords must be 8 to 17 characters in length, including a combination of numbers, letters and special characters containing at least 1 upper-case letter, 1 lower-case letter, and 1 number.

NOTE: Passwords must begin with a letter (may be upper or lower-case). You will receive an error message if you attempt to create a password beginning with a number or special character.

• How can I unlock my account if I enter an incorrect password too frequently?

You will need to call the bank at 800.205.0914 during normal business hours to unlock your account. Please be prepared to provide personal identification.

• What if I forget my username and/or password?

If you forget your password, click on the Forgot Password link on the main login screen. You will be prompted to supply personal identification in order to reset your password. You can also call our customer service during normal business hours for assistance at 800.205.0914.

If you forget your username, you will have to call customer service at 800.205.0914. You will be prompted to supply personal identification in order to recover your username.

• Can I sign into Mobile Banking using my phone’s fingerprint or face authentication feature?

Yes, as long as your mobile device allows you the capability.

NOTE: If you have more than one fingerprint or facial-recognition saved to your mobile device, any one of those people will have the ability to sign into your mobile banking through their fingerprint or facial-recognition on your mobile device.

• Does my spouse have the same username and password for Digital Banking?

Each Digital Banking user should establish their own Digital Banking credentials. This will help with security measures and allow each person access to their own accounts.

• What is Multifactor Authentication (MFA)?

Multifactor Authentication within Digital Banking is a second layer of security to help protect your account. When you initially enroll in Digital Banking, you will be prompted to select and answer a set of Challenge Questions that will be used to keep your account secure.

• How can I keep my computer from asking me Challenge Questions?

If you want Online Banking to “trust” the computer you are using, you may select “Don’t challenge me again on this device”. This will turn off the Multifactor Authentication for that device. You should only use this feature when you are using your own personal device.

ONLINE BANKING

• How do I change the viewing order and names of my accounts in Online Banking?

Go to your Home page and click on Edit Accounts link. Use the Move arrows to move your accounts up or down, and use the account text fields to change their names. 

• How do I edit my Digital Banking profile through Online Banking?

On the top menu bar, click the Profile tab to edit your Digital Banking profile information such as your password, challenge questions, contact information, address and Mobile Banking enrollment.

NOTE: You will receive an email notification when your eStatement is available to view through Online Banking. If you do not have an email on file, or if you are not sure which email we have on file, call us at 800.205.0914.

• How to make an internal transfer within Online Banking.

Click on the Transfer tab to make an Internal Transfer.

Tap From to determine the account that will be drawn from and tap To to determine the account that will receive the transferred funds.

Enter the amount that you would like to transfer and the date that you want to make the transfer. Click Continue when complete.

• How to make an external transfer within Online Banking.

Click on the Transfer tab to make an External Transfer. Click Launch External Transfer.

Prior to performing an external transfer, you must add the external account information for which you would like to transfer to or from.

You are then able to determine the amount to transfer, to and from accounts, as well as the date to be sent.

In order to assure your payment is being transferred to or from the correct external account, a test payment will be sent and returned.

If the external account is correct, the transfer will go through as requested in the amount you previously designated.

NOTE: External Transfers may take up to two business days to complete due to security processes.

• Why does Online Banking say my session is ending?

As a security feature, Online Banking will log you out after a period of inactivity. If you receive a notice that you will be logged out due to inactivity, you can either choose to continue with your session or log out, or do nothing, in which case the system will log you out automatically.

• Which browser and what screen resolution do I need for Online Banking?

The following browsers are fully supported for Online Banking:

•    Internet Explorer 11

•    Chrome (Latest version)

•    Firefox (Latest version)

A screen resolution of 1024 x 768 pixels is recommended for optimal viewing.

MOBILE BANKING

• How to setup Instant Balances in Mobile Banking.

To activate the Instant Balance feature, tap the Instant Balance button on the Login screen and login when prompted.

Turn the Instant Balance switch to the “On” position. Select up to six accounts you would like to view in Instant Balance. Tap Save when complete.

Next time you tap Instant Balance, your selected accounts will appear.

• How to view account balances and transaction history in Mobile Banking.

You can view your accounts at any time using the Accounts tab in your Mobile Banking app.

To view your transactions, simply select the account you would like to view.

To view images of your cleared checks, tap the maroon check icon.

• How to make an internal transfer within Mobile Banking.

Tap the Transfer & Pay tab. Then tap Make an Internal Transfer.

Choose which accounts you would like to transfer to and from.

Enter the amount you would like to transfer and the date in which you would like to make the transfer. Click Continue when complete.

• How to make an external transfer within Mobile Banking.

NOTE: In order to use the external transfer feature within the Mobile Banking app, you must first enroll within Online Banking.

Tap on the Transfer & Pay tab, then tap Make an External Transfer.

Determine the amount you would like to transfer and the account in which you will be transferring from.

NOTE: The system must verify all new accounts, this may take up to two business days to complete.

Determine the account in which you would like to transfer to. Tap Send and select the date you would like to transfer the funds.

To make a transfer a recurring payment, tap Make Recurring, select a date, frequency and duration, then tap Continue.

To complete, tap Review, and then Transfer.

• How to view your scheduled transfers within Mobile Banking.

Tap on the Transfer & Pay tab to view scheduled transfers.

Tap View Scheduled Transfers and select the transfer you would like to view.

NOTE: If the transfer says Pending, you may still cancel the transfer by tapping Delete.

• How to view your payment history in Mobile Banking.

Tap on the Transfer & Pay tab, then tap Payment Activity to view a list of recent transactions. Tap on a transaction to view its details.

NOTE: Only 30 days of transactions are listed within Mobile Banking. To view your complete list of transactions, login to Online Banking.

• How to edit or cancel a payment within Mobile Banking.

Tap on the Transfer & Pay tab, then tap Payment Activity to view a list of recent transactions. Tap on the transaction you would like to edit or cancel. Select either Edit or Cancel.

Modify or cancel the payment and press Save when complete.

• Can I make my loan payment through Mobile Banking?

You can transfer funds to make a line of credit, mortgage or installment loan payment. Payments must be made before 7:00 p.m. CSTto be credited on the date the payment is submitted.

• How to view ATM and branch locations on Mobile Banking.

Tap More, then tap Locations.

Tap the list and pinpoint icons in the bottom left-hand corner to change the view between listed and mapped locations.

Select an ATM or branch to display hours, locations and phone numbers.

• How do I login/sign up for Mobile Banking access?

Download our app from the Google Play Store (Android) or the App Store (iPhone). Once the app is downloaded and opened, simply follow the prompts to get setup.

• Why does my phone log me out of Mobile Banking when I leave the app?

As a security feature, your phone will automatically log you out of Mobile Banking if you leave the app. Even if the app is still in your multitasking history, you will still have to log back in.

• Can I access my Mobile Banking account on my phone’s browser?

Mobile Banking was specifically designed to be used in the Mobile Banking app. Viewing your Digital Banking from a mobile browser will not offer the full array of capabilities. Please download our app to experience all Mobile Banking has to offer.

• Will the Mobile Banking app work with my cell phone or tablet?

Our Mobile Banking app is compatible on the following phones and tablets:

Phones:

iPhone:

iPhone 5S and 6S

iPhone 6 through 8

iPhone 6 Plus through 8 Plus

iPhone SE

iPhone X, XR, XS and XS Max

Android:

Google Pixel 2, 2 XL, 3 and 3 XL

HTC One M9

Huawei Nexus 6P

LG G5 and G7

LG K20 Plus

LG Nexus 5

LG Stylo 3

LG V10, V20 and V30

Motorola Moto G

Motorola Moto X

Motorola Moto Z2 Force

Motorola Moto Z2 Play

Motorola Moto Z Force Droid

One Plus 6T

Samsung Galaxy J7

Samsung Galaxy Note 3 through 9

Samsung Galaxy S4 through S9

Samsung Galaxy S6 and S7 Edge

Samsung Galaxy S6 Edge Plus

Samsung Galaxy S7 Active

Samsung Galaxy S8 and S9 Plus

 

Tablets:

iPad:

iPad (5th and 6th Generation, 2017)

iPad (Fall 2017)

iPad Air and iPad Air 2

iPad Mini 2 through 4

iPad Pro

iPad (2018)

Android:

Asus Nexus 7 II

Asus ZenPad 3S10

Google Pixel C

Huawei MediaPad M3 8

Lenovo Yoga Tab 3 Pro

Samsung Galaxy Note 10.1 2014 Edition

Samsung Galaxy Tab A and S3

• Which operating system does Mobile Banking support?

You will need a device with internet connection to use our Mobile Banking service. All Android devices with a minimum operating system of version 5.0 or iPhone devices with a minimum version of iOS 11.0 are supported on our Mobile Banking app.

BILL PAY

• What is Bill Pay?

Bill Pay is a feature within Digital Banking that allows you to automatically and/or periodically pay your bills using your Time Federal Savings Bank checking account.

• How do I sign up for Bill Pay?

You are only able to sign up for Bill Pay within Online Banking on your computer. Simply click on the Bill Pay tab and follow the instructions as prompted by the Bill Pay system.

• How to add a payee in Mobile Banking Bill Pay.

NOTE: In order to use the Bill Pay feature within our Mobile Banking app, you must first enroll in Bill Pay through our Online Banking service.

From the Transfer & Pay tab, tap on Manage Contacts.

Tap Add New Contact and select either to Add by Photo, or Add Manually.

Fill out payee information if adding manually. Then tap Add New.

Select Company when asked the type of contact added. Verify and confirm the payee information.

Once payee information is verified, continue to the steps in the next FAQ question.

• How to add a payee in Online Banking Bill Pay.

On the Bill Pay Payment Center page, click the Add a Company or Person button.

Once clicked, you may choose to either pay a company or a person.

Choose the appropriate payee and enter the requested information.

NOTE: Payee information must match exactly with the account it is associated with in order to send and deliver a payment.

NOTE: If the company is not able to be paid electronically, Bill Pay will print and mail a paper check for you.

• How to setup automatic bill payments in Mobile Banking.

Tap on the Transfer & Pay tab, then tap Manage Contacts.

On the Manage Contacts page, choose the contact you want to set up autopay for. Next, tap on Autopay and tap Add New Autopay.

On the Set up Autopay page, determine the payment duration, amount, delivery date and frequency.

Tap Next and verify the details you had previously entered.

Once the details have been confirmed, tap Save. A confirmation screen will appear.

• How to use Bill Capture within Mobile Banking.

Tap on the Transfer & Pay tab, then tap Pay with Bill Capture.

On the Pay with Bill Capture page, tap Take a Picture. The app will auto-fill the biller’s details once a picture is taken.

Verify that the auto-filled information is correct, make adjustments as necessary. Then tap Save.

On the Send Money screen, determine to whom and when the payment will be sent. Then select a delivery option and tap Pay once the details are verified.

Tap on Finish for a one-time payment. Tap Make Payment Recurring to set up recurring payments to that payee.

NOTE: In order to use Bill Capture, you must first add the payee as a contact in Bill Pay (see Bill Pay FAQ above). Payments can be sent immediately after each saved capture.

• Why won't my phone read my bill through Bill Capture?

Bills must be scanned up and down with your phone to be read.

When taking a picture of your bill(s) through Bill Capture, take a picture of the entire bill; do not tear off any portion or stub of your bill.

• What if my biller’s company isn’t listed in Bill Pay?

If the company you are searching for is not listed to be compatible with Bill Pay, our Bill Pay service will mail physical checks to the company for you. Simply click the Pay a Company or Person button on the Payment Center page, then click the Mail a Check hyperlink, and add the company’s information.

• What if Bill Pay doesn’t pay my bills on time?

With the Bill Pay Payments Guarantee, you are ensured that your bills will be paid on time. You are protected in the unlikely event of unauthorized transactions or processing delays.

• Is there a fee for Bill Pay?

If you enroll in and use Bill Pay, there is no fee. If you have an inactivity period of 90 days or more, a fee will be assessed to your account. Call our customer support team to learn about our current fee schedule.

• Am I able to cancel or modify a Bill Pay after I’ve submitted it?

You are only able to cancel or modify a bill payment if it is still in “pending” status. This can be found on the Activity page of Bill Pay within Online Banking.

MOBILE DEPOSIT

• What is Mobile Deposit?

Mobile Deposit allows you to take a picture of your check with your smartphone or tablet, and deposit the funds through our Mobile Banking app.

• How do I deposit a check through Mobile Banking?

Tap on the Deposit tab, then tap Deposit a Check.

Select which account you would like to deposit the check into and note the amount in which you are depositing.

NOTE: When endorsing the check, be sure to add “For Mobile Deposit Only” with your signature.

Take photos of both sides of the check when prompted.

Review and confirm your deposit information, then tap Make Deposit.

• How can I see images of checks I previously deposited?

From Online Banking: Select the account your check was deposited into. Your Mobile Deposit(s) will be listed along with your transactions. You are able view deposited checks by clicking on the transactions with blue hyperlinks labeled, Mobile Deposit. This will prompt a window showing images of the check, allowing you to view both sides of the deposited check.

From Mobile Banking: Select the account your check was deposited into. Your Mobile Deposit(s) will be listed in with your transactions. You can view deposited checks by clicking on the maroon check icon next to the fund amount. This will prompt a window showing images of the check, allowing you to view both sides of the deposited check. NOTE: Mobile Banking only shows mobile deposits made within the last 30 days. To see a full list of mobile deposits, login to your Online Banking.

• Why can’t I use Mobile Deposit on my mobile phone’s browser?

Mobile Deposit was designed for our Mobile Banking app. Viewing your Digital Banking from a mobile browser will not offer the full array of capabilities. Please download our app to experience all Mobile Banking has to offer!

• If I use Mobile Deposit to deposit a check, how soon will the funds be available in my account?

Mobile deposits made on normal business days, prior to 5:00 p.m. CST are deposited same day. These deposits are subject to regulatory and procedural holds. Watch your Account Balance screen for indication of funds available.

• To which accounts can I make a deposit using Mobile Deposit?

You can make your Mobile Deposit to you Time Federal Savings Bank consumer savings accounts or checking accounts.

• What types of checks are not eligible for Mobile Deposit?

We can accept checks payable to you, drawn from a U.S. bank. We cannot accept checks payable to others, traveler’s cheques, money orders, foreign checks, substitute checks, returned checks, post-dated or stale dated checks (more than 6 months old).

• How can I see the status of my Mobile Deposit check?

Tap on the Deposit tab, then tap Deposit Check History.

A green bar next to the deposit indicates an accepted deposit.

A yellow bar indicates a pending transaction.

A red bar indicates a failed deposit.

• Why was my check rejected?

A Mobile Deposit item may be rejected if:

The item has been previously deposited

Any of the four corners of the check cannot be detected

Two images of the same side of the check are submitted instead of one image of the front and one image of the back

Either of the check images are out of focus

The viewing angle of check is too excessive

MICR line data cannot be recognized by the system

The payee information on the check does not match the name of the account holder

The amount of the deposit entered by user does not match the numeric amount on image of the front of the check

The endorsement “For Mobile Deposit Only” is missing

Amount exceeds the set deposit limit of $2,500 per business day

The check is stale (dated more than 6 months prior to date of deposit) or post-dated

Check is altered, suspect of fraudulence, or is not filled out entirely

The check is drawn from a financial institution outside of the United States, or is not payable in United States currency

• What happens if a check is rejected?

If mobile deposit is rejected, you will receive an email stating that your check was rejected. Please call our customer support team at 800.205.0914 in order to determine the cause of the failed deposit.

ONLINE BANKING SECURE EMAIL

• What is Secure Email?

Secure Email is a secure messaging system within Online Banking (Mail tab) that allows users and bank representatives to message and send secure documents.

• Is Secure Email safe?

Yes. Secure Email is a secure program that allows users and bank representatives to message, as well as send secure documents.

• Who sees my messages sent in Secure Email?

Your information and security are important to us. By sending messages through Secure Email, you are providing your disclosed information only to the relevant bank representatives who can address your needs.

• What are the hours for Secure Email?

Users are able to send Secure Emails to the bank 24/7. Time Federal Saving Bank representatives only have access to Secure Email during normal business hours.

• I accidentally deleted a Secure Email that I need.

Deleted Secure Emails will remain in your Trash folder for 90 days. After 90 days, the system will automatically clear old emails in the Trash folder. If you would like to recover a deleted and cleared email, please call the bank at 800.205.0914.

• I don’t check Online Banking; how do I see new Secure Emails?

You may set your Secure Emails to notify your personal email each time you receive a Secure Email. This notification will prompt you to check your Online Banking for new Secure Emails. To enable, go to the Mail tab in your Online Banking, then click the Options tab. Add your email address to the Notification Email Address field and click Save.

• Can I send Secure Emails from my Mobile Banking app?

We do not currently have the availability to send Secure Emails from our Mobile Banking app. This is a service that we hope to add in the near future. We offer Secure Email through our Online Banking service.

DIGITAL BANKING ALERTS

• What are Digital Banking alerts?

Alerts are parameters you can set up within Online Banking to send you messages when your established trigger points are met within the system or on your designated accounts. For example, you can set up an alert that if your account balance falls under $1,000, you will receive a message via email or text. NOTE: Standard carrier rates apply when SMS alerts are enabled.

• What types of alerts can I receive?

We offer alerts for account security, account balance, transactions, transfers and more. To view our list of alerts, go to the Alerts tab on your Online Banking.

• Can I view my recent alerts within Digital Banking?

Yes. On your Online Banking Home page, you will see the 3 most current alerts for your accounts.

• How do I setup alerts within Online Banking?

On the top menu bar, click the Alerts tab to set up Digital Banking alerts and notifications for your account(s).

You will be prompted to set up alerts, choose which alerts you would like to receive, and how you would like to receive them.

NOTE: Standard carrier rates apply when SMS texts are enabled.

• Can I setup alerts on my phone through Mobile Banking?

You are only able to setup push notifications for your phone within Mobile Banking. When alerts are enabled in Online Banking, you will receive real-time push notifications and alerts regarding your bank accounts (standard carrier rates apply when SMS text alerts are enabled).

Tap More, then tap Alerts.

Turn Push Notifications to the “On” position, and allow permission for push notifications when prompted by your phone.

• Can I have alerts show up as notifications on my phone?

Yes, within the Mobile Banking app you can enable Push Notifications. This allows your Digital Banking alerts to show up as push notifications, much like social media or other mobile notifications. In the Mobile Banking app, tap the More tab, then tap Alerts. Turn the Enable Alerts button to the “On” position and allow your phone permission to enable Push Notifications.

• Can I receive account alerts if I’m not enrolled in Digital Banking?

Yes, please call us at 800.205.0914 to speak with a customer service representative to help setup alerts for your account(s).

eSTATEMENTS

• How do I enroll in eStatements?

You are able to change your eStatement enrollment status through the Profile tab in Online Banking. Users are currently unable to enroll in eStatements through Mobile Banking.

• The eStatement enrollment is asking me for a 4-digit code; where do I find this?

Click on the “Electronic Terms and Conditions” link on the eStatement enrollment page. Your unique 4-digit code can be found on the last page of this eStatement disclosure. This is to confirm your ability to view PDF files for eStatements.

• How will I receive my eStatements?

You will receive an email notification when your eStatement is available to view through Online Banking. If you do not have an email on file, or if you are not sure which email we have on file, call us at 800.205.0914.

• How do I switch back to paper statements if I’m already enrolled in eStatements?

If you would like to switch from eStatements to paper statements, you will need to visit a Time Federal Savings Bank location or call our support team at 800.205.0914.

• Can I view my eStatements in Mobile Banking?

At this time, eStatements are only available within Online Banking.

• How do I view my eStatements in Online Banking?

Once logged into Online Banking, click on your Accounts section, then click on the Documents button. Enter the Account and date range you would like to view eStatements for, and click Submit. You can then click on the blue links for your statements, and download or print them.


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