I have an Apple Macintosh computer. Can I use Internet Banking?
Yes.

When can I start using ON LINE BANKING?
Two to three business days after you sign up.

When can I access my account?
The service is available 24 hours a day/7 days a week.

Can anyone else access my personal account details?
No. Access is by password only, and each time you log-on we will ask you for your Log-in ID and password. As long as you keep your password secret no one else can access your account or see your details, even if they are using the same computer to access their account. To protect information as it travels over the Internet it is scrambled using high-level encryption (128 bit), which is internationally recognized as being safe and secure.

Do I need any special software to use Internet Banking?
All you need is the correct browser software, Microsoft® Internet Explorer and or Netscape® (version 4 or above) which you can download for free. IE can be downloaded from www.microsoft.com. Netscape can be downloaded from www.netscape.com. If you experience any difficulties you should make sure you are using the latest version available.

What are "cookies"?
Cookies are bits of electronic information that a website can transfer to your hard drive to help tailor and keep records of your visit to the site. The use of cookies is standard on the Internet and many major websites use them. Although most web browsers automatically accept cookies, you can usually change your browser to prevent or notify you whenever you are sent a cookie. This gives you the chance to decide whether or not to accept it.
Even without accepting a cookie, you can still access most of the features on the site. We use cookies to help provide you with a better experience.

What technical support do I get with Internet Banking?
You can call our Commercial Bank customer support team at 314.434.4141. They are available to assist you from 8:00a.m. to 6:00p.m. Mon - Fri., or you can e-mail us www.CustomerService@commercialbnk.com.

When I go to the Login page my password appears there. That doesn't seem safe.
Remember Password is a function of Internet Explorer (IE) 5.0 and not our web site. To turn it On/Off go to the top of the browser, Tools \ Internet Options \ Content \ Auto Complete. This is where the option is located.

What happens if I forget my password?
If you forget your password and cannot log on, you must come into Commercial Bank. We will assign you a new temporary password. Important - for your protection, if your password is entered incorrectly three times in a row, your account will be "locked" until you call Customer Service. Customer Service will reset your password, allowing you three more times to access your account.

How long does it take to get the checks I ordered?
Checks will take about 12-15 days to arrive.

I made a transfer on Online Banking to my checking account, why doesn't it show up on my account?
The information has been received, but will not post to your account until that evening. Transfers or bill payments made after 2:30p.m. Central Standard Time will not be processed until the next business day and will appear the following evening.

What do I do if my accounts change?
In the event you add a new bank service or no longer use a certain account, contact Customer Service to update your online banking account.

When I try to Login, I receive an error message, what is wrong?
PLEASE CONTACT THE BANK TO SET UP Internet BANKING FOR THAT ACCOUNT: This means that you are using an incorrect Login ID. INVALID LOGIN: Means you are using the wrong password. REMEMBER that passwords are case sensitive.

I have Quicken 99 (and/or 2000/ 2001). Which method do I use to download my account info?
The best method is to use the Export History function under the history button.

How do I start to use Web Bill Pay?
To begin using Web Bill Pay, click on the PAY BILLS button, complete the enrollment form, and click SUBMIT. The bank will process your enrollment within two days. After your enrollment is complete you may set up your payees and begin scheduling payments.

How do I cancel Web Bill Pay?
Cancel the service through the Web Bill Pay feature. Be sure to read how your remaining bills will be handled after canceling your service.

How can I get more information about Web Bill Pay?
After you are enrolled, from the main Bill Pay page, click on HELP. The Help feature provides a “How To” on most features of the Web Bill Pay. It also provides a link to Frequently Asked Questions to further explain how it works.

Can I use the Web Bill Pay to transfer money between accounts at the same bank?
Yes, but a much more efficient way would be to use the TRANSFER button. This will post the transaction that night.

What is Telebank?
Telebank is an automated system that provides access to your accounts. You can check balances, hear your last ten deposits/withdrawals, inquire about a particular check, transfer money, and make loan payments.

What is the phone number?
(314) 205-8247

How does Telebank give me access to my accounts?
When you enter in your social security number or tax id number, the system will pull all accounts related to that SSN or tax id number.

How do I access my accounts?
All you need is a security code, given to you by a banking representative and your social security number or tax id.

When can I call Telebank?
You can call Telebank the same day we set it up for you. You can call 24 hours a day, seven days a week.

Is my account information current?
Telebank is current up to the previous business date.

What do I do if I forget my security code?
Call Customer Service and they will issue you a temporary security code. The next time you call you will be prompted to change the security code.

Does the bank know my security code?
We do not have access to anyone's security code.

What if Telebank does not work correctly?
Call Customer Service and explain what the system tells you. We will correct the problem as soon as possible.

How do I initiate a Stop Payment?
Select the Other Services menu option, and then the Stop Payment option. Complete the required fields and click on the Submit button to send the request. Stop Payments submitted prior to the bank cut-off time will be effective that day. Stop Payments submitted after the bank cut-off time will be processed the following business day. See "What is my deadline for submitting a transaction" for details on bank cut-off times.

What is the Pay Bills feature?
Pay Bills is used to submit payments on-line.

What is the Payroll feature?
Payroll allows you to pay employees via electronic ACH credit deposited directly into their account at any Financial Institution. Payroll represents a "batch ACH credit" transaction.

What is the ACH Payments feature?
ACH Payments provides a way to transfer funds to an account at another financial institution. While Payroll represents a batch ACH credit, ACH Payments is a single credit transaction.

What is the Collections feature?
Collections provides a means of obtaining recurring dues or fees from your clients through electronic ACH debits. Collections represents a "batch ACH debit" transaction.

What is the ACH Receipts feature?
ACH Receipts is used to collect funds from an account at another financial institution. While Collections represents a batch ACH debit, the ACH Receipts feature is a single debit transaction.

What is the EFTPS Tax Payments feature?
This feature allows you to pay federal and state (selected states only) taxes electronically.

What is the Wire Transfer feature?
Wire Transfer allows you to transfer funds to another financial institution within the country effective the same day.

What is the Send a File Feature?
Send a File allows you to submit an ACH file that is generated by an internal accounting or payroll software package to Commercial Bank via the Internet.

What is the Authorize Transactions feature?
Authorize transactions is designed to provide dual control prior to submitting transactions, similar to requiring two signatures on a company check.

Why do I receive the message, "Cash Management cannot be accessed from this computer"? when I attempt to log into the system on a computer other than the one located in my office?
As a security measure, you may only access the Cash Management menu and features using the same computer that you used when first signing on to the system. You may access the Retail functions such as Transfer or Account History from any computer, but Cash Management requires you to consistently perform online banking transactions from the same computer. If you must access Cash Management using a different computer, please call Customer Service at 314.434.4141 and a representative will reset the "cookie" associated with your User ID. Please see "Tell me more about cookies."

Tell me more about "cookies?" Are you using this to monitor my account information?
Cookies are used as an added security measure to help protect against fraudulent activity on commercial accounts accessed through the Internet. The cookie is assigned to a specific User ID and is not used to monitor account information. The cookie is established the first time that you access the Cash Management menu from your computer.

What is my deadline for initiating a transaction (i.e. wire transfer, ACH transfer, tax payment, internal transfer, payroll)?
Transactions must be initiated before 2:30 p.m. CST, Monday through Friday. Please see "What happens if I initiate a transaction after the deadline" for more information.

What happens if I initiate a transaction after the deadline?
The transaction is safely stored and will be processed the following business day. ACH transactions must be initiated at least one day prior to the day you want the transaction to be effective. For example, if you submit an ACH credit at 4:00 p.m. on Monday, the credit will not be effective until Wednesday. Wire Transfers and "internal" transfers between your Commercial Bank accounts are effective the same day. For example, a wire transfer or transfer between two Commercial Bank accounts initiated at 2:30 p.m. on Tuesday will be posted to your account on Wednesday.

What are the definitions for the "Effective Date" and "Send On Date" fields that appear on the templates for ACH Credits, Receipts, Payroll and Collections?
The Effective Date is the date that the funds are credited or debited to the receiving account. The Send On Date is the date that the transaction leaves the originating account.

Is there a limit as to the number of entries that can be submitted at one time for Collections or Payroll?
There is no limit to the number of entries that can be submitted for these batch ACH transactions.

Does the Import Payees function in Payroll overwrite the dollar amounts each time?
Only if an amount is included for each employee record. If the amount field is left blank for a payroll record, the dollar amount established in the Payroll template will not be overwritten.

What should I do if we terminate an employee that had online access to our accounts?
Upon notification of the termination, the "Supervisor" immediately should access the Supervisor Functions on the Cash Manager menu and disable access to all transactions and accounts for the former employee. This action will prohibit the employee from accessing the system. The Supervisor cannot delete an employee-you may contact Customer Service at 314.434.4141 and we will remove the terminated employee from the system.