Online Banking
Why use SBC Internet Banking?
Millions of people worldwide are choosing the convenience, freedom
and control of online banking. It's the kind of service you don't
know you
need until you've tried it. Among the foremost benefits include 24x7x365
access, which allows you to bank at your convenience, not ours. Also,
you can bank from anywhere in the world where you have Internet access.
Finally, you can transfer funds, pay bills and reconcile accounts
with the click of a mouse button. It's simply a better, smarter,
faster
way to manage your money and your time.
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What can I do with SBC Internet Banking?
State Bank of Countryside’s online banking service allows you
to:
- Check your balances
- Transfer funds electronically between SBC accounts
- Review your transaction history and other account information
- Verify if a check has been paid
- Communicate with the Bank through a secure channel
- Place a stop payment on any check you wrote from your SBC checkbook. Stop payment for payments made via SBC Billpay must be called in to 1-888-249-7564.
- Download information to a personal finance software program such as Microsoft Money®.
- Enroll for SBC Billpay to pay your bills online
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Can I see a demonstration before signing up?
Yes. Go to www.statebankofcountryside.com and
select “Online Banking” from
the left menu. This will bring you to the SBC Internet Banking signon
page. From the left menu select “Demo” to see a demonstration
of SBC Internet Banking and SBC Billpay.
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Is there a charge for SBC Internet Banking?
No, SBC Internet Banking is a free service.
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How do I self-enroll?
In order to self-enroll for SBC Internet Banking, you must have a State
Bank of Countryside checking or savings account and a computer with
Internet access. Go to www.statebankofcountryside.com and click on
the Online Banking tab on the left menu. This will bring you to the
Signon page. Click on the link under the words “sign up today” and
it will bring you to the enrollment screen. You will be asked for verification
information, so please have a copy of your last bank statement with
you when you begin the enrollment process. Once the self-enrollment
is successful you will have immediate access to your accounts.
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What are other methods of enrollment?
If you have only a certificate of deposit or a loan account with us,
we can still collect your information today and our Personal Banking
Department will activate your SBC Internet Banking within 2 business
days.
If you are not currently a State Bank of Countryside (SBC) customer, we invite you to visit one of our branch locations (link to branch locations on website) to open your account.
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When can I start using SBC Internet Banking?
Immediately upon a successful enrollment.
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What are the hours for SBC Internet Banking?
SBC Internet Banking is available 24 hours a day 7 days a week.
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Transfers
Can I transfer between all of my accounts?
| Account Type | Transfers From | Transfer To |
| Checking | Yes | Yes |
| Statement Savings | Yes* | Yes |
| Money Market | Yes* | Yes |
| Certificates of Deposit | No | No |
| IRA | No | No |
| SBC Loans | No | No |
*Special rules apply for money market and savings account withdrawals.
You may make up to 6 electronic debits/transfers from these accounts
per month. These transfers include pre-authorized debits (i.e. an ACH
to pay your phone bill), telephone transfers, or Internet Banking transfers.
In accordance with Federal Regulations, no more than six pre-authorized, automatic or telephone transfers or withdrawals (including online banking) are permitted from a money market or savings account in a statement cycle. Three of these six transfers or withdrawals may be made by check, draft, or POS withdrawal (to the extent that these services are available on an Account). A charge may be assessed for each transfer or withdrawal that exceeds these restrictions in accordance with our Account disclosures. We may change your account to a demand deposit account if you continue to exceed these limitations.
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When is the money I transfer credited to my account and available to
me?
When you make a transfer using SBC Internet Banking, that transfer is
credited to your account and available to you immediately.
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Can I set up repeating transfers?
Yes. Repeating transfers, are those that are made on a regular basis
such as weekly, bi-weekly, or monthly. To set transfers, click on the “Transfer” option
on the left menu. You may then select to set up a one-time transfer
or a repeating transfer. Complete all necessary information on the
screen including the date of the transfer, frequency of the transfer,
the amount, and the number of times you would like this transfer to
be made. Additional information can be found in our online help screens.
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What happens when there are insufficient funds to make a transfer?
The transfer will fail, you must have sufficient available funds in your
account to complete any transfer.
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How do I download my account information to a personal finance program?
You must be in SBC Internet Banking to download information. Click on
the “Accounts” button and choose “Download Activity”.
You will then select the account you wish to download, specify the
date range and then choose the download method.
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Bill Payments
What is SBC Billpay?
SBC Billpay is an optional service available through SBC Internet Banking.
This service allows you to pay your bills electronically through SBC
Internet Banking. You can set up one time payments or recurring bill
payments. No longer will you have to spend the time to write checks and
deliver them to the post office. After setting up your payees with your
first payment, additional payments are as easy as clicking on your payee,
entering the amount you would like to pay, and clicking “OK”.
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Is there a charge
for SBC Billpay?
No, there is no charge for SBC Billpay.
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How do I apply for SBC Billpay?
To apply for SBC Billpay you have two options. You may apply at the same
time you enroll in SBC Internet Banking. Or, if you are currently enrolled
in SBC Internet Banking, you may apply at any time by selecting “Bill
Payment” from the left menu and clicking on the “Enrollment” option.
SBC Billpay is an application process and requires review by the Bank.
You will be notified of your application’s status within two
business days.
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How do I start paying my bills?
First, you must set up your payees. From the Bill Payments menu select “Payee
Management” and then follow the instructions to “Add a New
Payee”. Once your payees are set up, you may begin paying bills.
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From the Bill Payments menu select “Make a Payment”. Choose to either pay one bill or to pay multiple bills at once. Select the bills you wish to pay, enter the amount of the bill and the date you would like it to be paid and click the “OK” button to send your payment. A confirmation of your payment will be displayed.
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Who can I pay with Bill Pay?
You can pay any person or entity with an address in the United States.
However, you cannot use SBC Billpay to make payments to the Government
or court ordered payments.
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Is there a limit to the number of payments I can make?
No. You can make as many payments as you want using SBC Billpay.
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How are payments sent?
We will always try to send it electronically, however not all payees
have the capability to accept electronic payments. Those payees will
be sent a check.
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What happens if there are insufficient funds to make a payment?
The payment is returned, overdraft fees will apply and your SBC Billpay
privileges will be temporarily suspended. If there are not sufficient
funds in your Account to cover these fees and charges, we may charge
or off set these fees and charges against all of the funds in any Account
in which you have an interest. Please see your Account disclosures
for other charges that may apply to your accounts.
If I enroll for SBC Billpay but don’t use it will I be
charged?
No, there is no charge for SBC Billpay. However, if you do not logon to SBC Internet Banking for a 90 day period, your service will be discontinued and you will need to re-enroll in both SBC Internet Banking and SBC Billpay. If you would like to cancel the bill payment feature of SBC Internet Banking, you can call us at 708-485-3100 and we will cancel it for you.
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When does the payee receive payment when I utilize Bill Pay?
If the payee accepts electronic payments, then it will typically take
three business days to process your payment. Payments made by check
typically take five business days to process.
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Security
How do I know that online banking is secure?
Our online services lead the industry with advanced security measures.
We have a secure log-in and user authentication. State Bank of Countryside
uses a technology called Secure Socket Layers (SSL) to scramble the information
that you send us. This technology protects the information you submit
or receive through SBC Internet Banking.
Firewalls are also used to limit entry by anyone without proper authorization. A firewall is a security device that regulates the information transferred in and out of a network. The firewall is designed to make sure that communications only occur between approved individuals.
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System Requirements
What are the system requirements for SBC Internet Banking?
Hardware – Computer equipped with:
- 133 Mhz processor
- 64 Mg of memory
- 56K Modem
- 800 x 600 screen resolution
- Note: SBC Internet Banking can still run on less robust machines, but responses may be slower and functions may be limited.
Software – Web browser with 128 Bit Encryption
Configuration requirements:
Operating System |
Internet Explorer ® Browsers |
AOL ® Browsers |
Macintosh ® Browsers |
Firefox ® Browser |
Camino ® Browser |
|---|---|---|---|---|---|
| Windows® XP SP3 | 6.0, 6.0 SP1, 7.0 | 8.0, 9.0 SE, AOL Explorer 1.5, AOL 9.1 | Safari 3.1 | 2.0, 3.0 | |
| Windows® Vista | 7.0 | 9.0 SE, AOL Explorer 1.5, AOL 9.1 | Safari 3.1 | 2.0, 3.0 | |
| Mac OS X 10.3 (Panther®) | AOL for Mac OS X (AOL 10.3.X) | SafariTM 1.3 | 2.0 | 1.0, 1.5.1 | |
| Mac OS X 10.4 (TigerTM) | AOL for Mac OS X (AOL 10.3.X) | SafariTM 2.0, 3.1 | 2.0, 3.0 | 1.0, 1.5.1, 1.6.1 | |
| Mac OS X 10.5 (LeopardTM) | AOL for Mac OS X (AOL 10.3.X) | SafariTM 3.1 | 2.0, 3.0 | 1.5.1 |
Note: The State Bank of Countryside Internet Banking Product takes advantage of the use of cookies. All testing is performed using browser settings that allow for the use of cookies, i.e. Internet Explorer 6.0 Privacy settings of “medium” and “medium high”. For the Netscape browser, SBC Internet Banking requires the use of the default settings for “enable all cookies” and “Accept all images” to operate optimally.
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Additional Questions
If you have additional questions about SBC Internet Banking or SBC Billpay,
help can be found by clicking the Help button on SBC Internet Banking.
You may also visit any of our branch locations, or contact us at 708-485-3100
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