Internet Banking

Frequently Asked Questions
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Frequently Asked Questions

What is QuickLink Internet Banking?

QuickLink Internet Banking is an online link to your accounts at First Central Savings Bank 24 hours a day, 7 days a week. It makes banking easy by providing the means to perform a variety of functions in a secure, convenient environment. You can monitor cash position and funds availability, including float; access account information such as clearance of a specific check or crediting of a deposit; monitor balances in your checking accounts, savings accounts, certificates of deposit, installment loans, lines of credit and mortgages; review transaction history as well as transfer funds; place stop payments and reorder checks.

What equipment or software do I need to access QuickLink Internet Banking?

All that you need is a computer, a modem and an internet service provider (ISP), as well as one of our supported browsers: Netscape Navigator 6.0 (or higher), Internet Explorer 5.5 (or higher) or America Online (AOL) 3.0 (or higher) with Microsoft Internet Exlorer 5.5 (or higher). You can use either a Macintosh or IBM compatible computer.

What type of browser do I need to access QuickLink Internet Banking?

QuickLink Internet Banking Service supports Netscape 6.0 (or higher), Internet Explorer 5.5 (or higher) and AOL 3.0 (or higher).

When is QuickLink Internet Banking available?

QuickLink Internet Banking is available 24 hours a day, 365 days a year except for brief periods when the system may be taken offline for updating.

Why do I receive an error message that my account number is invalid?

The account number for QuickLink Internet Banking may be incorrectly inputted or you may be using an incorrect number. Verify your account number is correct and try again!

What steps do I need to take to begin using QuickLink Internet Banking?

You will need to open a checking account at First Central Savings Bank, complete the application, and bring it to any First Central Savings Bank branch location to be processed. If you already have a FCSB checking account, you can enroll in QuickLink by clicking the First Time Login link in the upper left-hand corner of the Login Page. Enrollment is quick and simple, allowing customers immediate access to their accounts in most cases.

What types of security measures are taken to prevent sensitive information from being intercepted online?

When logging into online banking, you will enter our 'secure server' area using the latest Secure Sockets Layer (SSL) cryptography. At a high level, SSL uses public key cryptography to secure transmissions over the Internet. From the moment account information leaves your computer to the time it enters our computers, all QuickLink Internet Banking sessions are encrypted. Browsers allow you to encrypt information so that the information is scrambled as it passes over the Internet. We use a 128-bit encryption level for the QuickLink Internet Banking site. This provides you with a high level of security that takes effect when you view account information, change passwords or perform any other online banking function through the Internet.

What should I do to assure security of my Internet bank account?

Every user has responsibility for assuring security for his/her Internet bank account. Password numbers must be kept confidential. Users should make sure that no one is physically watching as Password numbers are entered. Users may change their Password numbers as often as they like. Users should also take precautions to keep computers clean and free from viruses that could be used to capture Password keystrokes.

How do I know if my online banking session is encrypted?

If using Internet Explorer: Your banking session data is encrypted when the closed lock appears. When not in secure session, the lock is not shown.

If using Netscape Navigator: Your banking session data is encrypted when the solid key appears on the bottom of your screen. When not in secure session, the encryption key appears broken.

What do I do if I have trouble logging on to the Internet?

For problems accessing the Internet, please contact your Internet Service Provider (ISP). If you can access other websites but not First Central Savings Bank, then either our system is off-line for updating or we're experiencing a temporary disruption in service. Please try again later.

When I conduct a transaction via the Internet, when is my updated account information posted?

Transactions are posted in "real time" and are reflected in balances immediately. However, transactions initiated through Internet Banking after 8:00 PM Central/9:00 PM Eastern Time Monday through Friday and after 5:00 PM Central/6:00 PM Eastern on Saturday will not be reflected in history until the next business day after 6:00 AM Central/7:00 AM Eastern Time.

Can I transfer funds between all my accounts?

You can transfer funds between all of your deposit accounts, excluding Time Deposits and IRAs.

Can I make loan payments?

You can make a payment to your installment and residential loans.

What is the cutoff time for Funds Transfers?

There is no cutoff time for transfers. However, transfers initiated after 8:00 PM Central/9:00 PM Eastern Time will not be reflected in history until the next business day after 6:00 AM Central/7:00 AM Eastern Time. Transfers are posted in real time and are reflected in account balances immediately.


I do not see all my transactions as part of my history on my savings account?

History on savings accounts is available for approximately 13 months.

What is the difference between my Ledger Balance and Available Balance?

Ledger balance is the account balance without consideration for any restrictions on funds being considered. Available balance is the ledger balance less any funds that have some kind of restriction or hold on them, usually for a temporary period of time to verify the clearing of a deposit item.

How does check reorder with Deluxe work?

Deluxe check order is a secure link from QuickLink Internet Banking to Deluxe that transfers your customer account number and related information to Deluxe to retrieve the you customer profile and check order information from the Deluxe database. This saves you the time and trouble of filling in the information on an order form. The Deluxe system provides many options from which the you can choose to reorder checks with any of the features and accessories from the Deluxe product catalog. The cost of your check reorder will be debited automatically from your account.

What if I forget my Password and/or have been locked out of QuickLink Internet Banking. What should I do?

For security purposes, simply call a customer service representative at your branch (for branch locations and contact information visit our Home page at www.firstcentralsavings.com for Contact Information and we will reset your Password. Once your Internet Password has been reset, you should log on and change the Password.

What is QuickPay Bill Payment?

First Central Savings Bank QuickPay Web-Bill Payment Service is an optional service offered only in conjunction with the First Central Savings Bank QuickLink Internet Banking Service. You may use your personal computer over the Internet to make authorized payments to designated merchants or payees from your checking account. When you want to pay a QuickPay Web-Bill, you just specify which merchant to pay, which checking account to use, and the date to process the payment. It's easy and fast. No checks to write, no envelopes to address and no stamps to lick. The following limitations apply:

• QuickPay Web-Bill payments may be made only to merchants within the United States.
  Recurring QuickPay Web-Bill payments may be scheduled for the same day every month but they must be for the same dollar amount and from the same checking account
• The payment of taxes or court directed payments are not permitted.
• Transfers from a Money Market Account to another account or to third parties are limited to six per statement cycle with no more than three by check or similar order to third parties.

How much does First Central Savings Bank QuickPay Bill Payment cost?

First Central Savings Bank QuickPay Web-Bill Payment Fees will be charged in accordance with FCSB’s Schedule of Fees and Charges as revised from time to time. This fee is in addition to any other account fee you may be paying, and it does not include any costs associated with your Internet service provider.

When will payments be sent using Internet QuickPay Bill Payment?

Payments are processed one to three business days before the payment date, depending on the payment method, to ensure the payment arrives by the Subscriber payment date. You must schedule the payment at least four business days prior to the date you want the payment to reach the Payee. In the event there is not a four-business day lead-time, the payment will roll forward to the next business day. Payments can be cancelled up to four business days prior to the Scheduled Payment Date (up until the time of the selector run). Depending on the payment method, a payment may be cancelled after the cut off time, if the payment is still displayed on the pending payments screen in Genesis

Can I add a merchant and pay them immediately?

Yes, by clicking the "Add A Payee" button, you can add a Payee to your Payee list. You must add payees to your payee list in Payee Setup before you can make payments. If you have not added the payment account that you want the payment withdrawn from, go to My Profile - Payment Account Information to add the account.

What record will I have of my payments?

We'll list everyone you pay right on your checking account statement. You'll have a quick reference with date and amount of every payment.

You can create a file to export your payment information to Quicken® or Microsoft® Money. Exported files include scheduled, in process, and processed payment information.
To create an import file,

• Select one payment account in Payment Activity Search and click Search to display only the payments from that account.
• Select your version of Quicken or Microsoft Money from the following list and click Export.

What if I have a problem with a payment?

You can inquire on-line about payments from the payment history list within the QuickPay Bill Payment System or simply call a customer service representative at your nearest branch.

How do I know if I have the right browser?

Before the steps listed below, the browser version should be checked against the minimum requirements for Internet Banking as stated above. The version should be listed on the "Help About" screen:

If you use Internet Explorer, follow three steps...

1. Go to the Help menu and select "About Internet Explorer."
2. Look for the line that reads, "Cipher Strength."
3. This line should read, "128-bit supported."

If you use Netscape, follow three steps...

1. Go to the Help menu and select "About Netscape" or "About Communicator."
2. Look for the section "Contains encryption software from RSA Data Security, Inc."
3. The next paragraph must read, "This version supports U.S. Security," for your browser to support 128-bit encryption. If the paragraph mentions International security, the encryption level of your browser is insufficient for First Central Savings Bank online transactions.

In addition, your Internet Service Provide must support Secured Socket Layers.