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Security Questions

Browser Questions

Online Banking Questions

Johnson Online Bill Pay Questions

How does Johnson Bank Online Banking security work?

Imagine sending a friend a letter. For us it's as simple as dropping it in a mailbox for the carrier to pick up and deliver. Now imagine that instead of just dropping it into the mailbox, you put the letter through a shredder that only you have the key to and then into the mailbox. And instead of one carrier coming to pick it up, the post office sends 100 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to your friend's house. Once there, your friend takes this pile of incomprehensible paper, puts it through a reverse shredder that only they have a key to, and out comes your letter, safe and sound.

If we sent information through the traditional manner of one letter, one carrier and one route, it would be easy for a criminal to find the truck carrying your letter and pick it out. So we use the 100-carrier method, otherwise known as RSA public-key cryptography. It's become a standard on the Internet wherever private or sensitive information is concerned. The government uses it; the financial industry uses it, and now, so can you.

Security has always been a top priority with Johnson Bank. It will continue to be so by adopting new technologies only after they've passed our unchanging business principles of confidentiality, flexibility, commitment and stability. To have it any other way would not only endanger your finances, but in turn, our reputation, and that is never good for business.

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Are there any other security issues I should be aware of?

Yes. There are few additional areas you should be aware of.

  1. Emails generated through the 'Email Johnson Bank' feature is not encrypted or secure and should be used only for general questions and requests.
  2. Requests and questions requiring specific information about your account should be initiated through Johnson Bank Online Banking and Secure Contact available on the top navigation bar.
  3. For added security it is important to log off and close your browser when you have completed your transactions in Johnson Online Banking.

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How do I get Internet Access?

You will need to find a local internet provider in order to obtain internet access. To see who provides internet services in your area you can check your local Yellow Pages under the Internet and Online service provider section.

What is a cookie?

A cookie is a piece of data passed to your browser. Johnson Bank Online Banking uses "per session" cookies inside the secure banking environment to keep track of your session data. This means that as you go through the program from page to page, the information is stored on your computer while you are on that page, and as soon as you leave that page it is deleted. Clicking the sign-off button ensures that all this information is successfully deleted from your computer.

Newer browser versions have a feature that allows you to be notified when a cookie is being handed to your system. You can disable this option in the Network Preference/Protocols area.

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What recommendations do you have to keep my banking information private?

  • We recommend that you keep your user id and password confidential.
  • It is important to change your password frequently to ensure that no one else can guess it.
  • You should never write down or share your online banking password.
  • Never walk away from your computer without exiting the system first.
  • When you are finished with your banking, click the sign-off button located on the top and bottom navigational toolbars, and then close your browser. Once you have ended your session, no further transactions can be processed until you sign on to the system again.

Use the latest version of, Microsoft Internet Explorer, AOL, Safari, or Mozilla Firefox All of these browsers are certified for use at our site.

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How can I protect my computer from viruses and worms when online?

Worms and viruses carry with them a variety of problems. Some worms have the capability to install software on your computer that specifically seeks out online banking or financial data, with the intent of communicating that data back to the attacker.

These worms target the vulnerabilities of your computer. Johnson Bank does everything we can to ensure that our systems are virus-free, properly patched and that our users are knowledgeable.

To protect your computer, take the following steps:

  • Keep virus software current on any computer, especially those that conduct financial transactions over the Internet.
  • With any operating system, it is important to keep your computer up-to-date on the latest security patches and updates.
    1. If you have signed the agreement to allow transfers from your Checking or Savings to your Line of Credit Account, you may transfer directly to your line using the transfer feature within Online Banking.
    2. You may set up a payment to Johnson Bank through Bill Pay using the address on your statement and Line of Credit Account number. Your payment will then be sent to Johnson Bank.
    • Microsoft Internet Explorer 7.0 and higher (includes American Online 8 & 9)
    • Mozilla Firefox 3.0
    • Safari 3.0
    • Municipalities
    • Student Loans
    • Court-ordered Payments
    • City, State, and Federal Taxes
  • Do not open e-mail attachments that are from unknown sources, as these emails often contain virus and worm infections.

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    What browser is recommended for use with Online Banking?

    For the best online bank performance recommend you use:

    Please use these links to download the latest version of your browser:

    Microsoft® Internet Explorer
    Mozilla® Firefox
    Apple® Safari

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    While trying to go back to a previous page I received a message to enter my User ID and password. Why did this happen?

    Sometimes when you use your browser's back button it will cause you to be logged out of Johnson Bank Online Banking. For security reasons, some pages are automatically expired so that you cannot return to them. Instead of using the browser's back button you should use the navigation toolbar found at the top of your online banking page.

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    Why do I get a "Certificate Expired" error message when I try to access Johnson Bank Online Banking?

    You will receive this error message when you are using a browser older than the supported versions. To resolve the problem, upgrade your Web browser to the newest version.

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    How can I tell if I have a secured connection to Johnson Bank Online Banking?

    The visual indicators of a secured connection vary from browser to browser, however with all browsers, if https is in the address bar, the "s" means you have a secure connection.

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    What do I do if I receive the following message: "Server is busy or is not responding"?

    You will want to check the location/address box and make sure that the address was typed properly. A complete web address is in the format http://www.johnsonbank.com.

    Sometimes you will receive this message when the server is busy. Try again and the connection should be established. If after three attempts you cannot establish a connection, please call the Johnson Customer Support Center at 888.769.3796. Specialists are available Monday through Friday from 8:00 a.m. to 7:00 p.m. (CST) and Saturday from 8:00 a.m. to 1:00 p.m. (CST)

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    Help Sources

    If you still have questions regarding your browser, we encourage you contact the company that created it. However, if you have any questions regarding Johnson Bank Online Banking you should contact the Johnson Customer Support Center at 888.769.3796. Specialists are available Monday through Friday from 8:00 a.m. to 7:00 p.m. (CST) and Saturday from 8:00 a.m. to 1:00 p.m. (CST).

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    Am I able to change my User ID?

    Yes, you can change your User ID at any time. First, log into your Johnson Online Banking account. From the top navigation bar, select 'User Options', then 'Change User Id' Don't forget to click the 'Accept' button when you are done making your changes.

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    How long will my account activity be available in Online Banking?

    You will be able to access 90 days of history on your accounts within online banking. If you need to access account history older than 90 day, please refer to your online statements. Online Statement history is available for a rolling 24 months.

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    What types of accounts can I see in Online Banking?

    You can see all of your deposit accounts (checking, savings, money market and CDs) lines of credit and loan accounts on which you are a signor.

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    When I try to sign in to Online Banking I receive an error message saying that I had an invalid login attempt. What does this message mean?

    It is possible that you have entered your username and/or password incorrectly. The password is case sensitive, so we recommend that you verify that your Caps Lock button is either on or off, depending on how you initially entered it, and that you have typed the password correctly. Also, when entering your username, make sure you do not include the dashes or spaces. If you still are unable to access your account information, call the Johnson Customer Support Center at 888.769.3796. Specialists are available Monday through Friday from 8:00 a.m. to 7:00 p.m. and Saturday from 8:00 a.m. to 1:00 p.m. (CST).

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    What does it mean when a transaction is titled 'Memo', and why isn't my balance updated after these transactions?

    When you see a transaction titled Memo, this means that the transaction is pending against your account. An updated balance will not reflect next to a Memo transactions until it has cleared you account. It will generally take 1-2 business days for a Memo transaction to clear.

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    Why do I receive the message MTT TRANSFER RELATIONSHIP NOT ESTABLISHED when trying to make an account transfer?

    You will receive this message when there is no transfer relationship set up between your accounts. Your Johnson Bank accounts are not automatically liked for transferring. If you would like to set up a transfer relationship between your accounts, you can do so by visiting your local Johnson Bank, or by clicking on the 'Secure Contact' option in the top navigation bar to send a secure email to the Johnson Customer Support Center.

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    Can I transfer funds from my Home Equity, Premier Line of Credit or Classic Line of Credit into my checking or savings account?

    Yes, you can. In order to transfer from your Line of Credit, an authorization form will need to be signed. Please contact your Johnson Bank Relationship Manager or the Johnson Customer Support Center at 888.769.3796. Specialists are available Monday through Friday from 8:00 a.m. to 7:00 p.m. (CST) and Saturday from 8:00 a.m. to 1:00 p.m. (CST).

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    Can I view and print my check images through Johnson Bank Online Banking?

    Yes, simply pull up your account history and click on the check number link to view the check image. To print, use the print icon on your tool bar. If the paper check you wrote was converted to an electronic check by the payee or their processor, an image will not be available.

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    Can I download or save my check images?

    Yes. To download or save your check image right click on the check image and choose "Save Picture As". **Please be aware that images saved on a PC or emailed are generally not secure.**

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    How do I register for Bill Pay through Johnson Bank Online Banking?

    You may register for Bill Pay, by clicking on the bill pay icon on the top navigation bar after signing into your Online Banking Account. First you will be requested to read and accept Johnson Bank's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you will be prompted to complete the online registration form. Once this form is submitted you will be enrolled in Bill Pay.

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    When can I start using Bill Payment?

    You may begin using Bill Pay immediately after your online application has been submitted.

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    Can I place a stop payment on a bill pay check through Online Banking?

    No, at this time this feature is not available. To make a stop payment, you will want to contact the Johnson Customer Support Center at 888.769.3796. If you wish to cancel a recurring payment, you may do so within Bill Pay by clicking cancel under the payment listed in the Pending Payment Section on the right side of the screen. Remember this must be done at least 24 hours before the payment is going to be processed.

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    How are my bills actually paid?

    Johnson Bank's Online Banking transmits all bill pay requests to our bill pay provider Monday through Friday around 9:30 p.m. CST. The next business day your payment is sent. Typically you will see the funds deducted from your account within two business days following the transmission of the payment.

    Be certain to review your bills carefully for the correct address. Many companies direct you to an address other than what is listed on the envelope when using alternative delivery means. If it is an electronic payee, the system may reflect a different address than your bill. Please do not change this as the system automatically updates addresses for electronic payees.

    Please remember that the transmit date is not the day your payee will receive your payment. It is the day the bill payment process begins. The payment must still be processed and sent electronically or by check through the mail. Allow 3 business days for companies to receive payments sent electronically, and 5 business days for payments sent by check. You will see the method of payment displayed on the Payee or Schedule Payments screen.

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    Is there a dollar limit per payment sent through Online Banking?

    Yes, the maximum dollar amount per payment is $9,999.99.

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    Is there a maximum dollar amount per day for all combined payments through Online Banking?

    Yes, the maximum amount per day for all combined payments is $19,999.99.

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    Can I make a payment to a government agency through Online Banking?

    Yes, you can make a payment to a government agency. The following are examples of government agencies included:

    Although we offer this payment option, keep in mind that Johnson Bank has limited ability to research any problems with a payment to a government agency due to the government's strict adherence to the Consumer Privacy Act. Also keep in mind that these payments might not be processed by the government on a timely basis without the attachment of government forms.

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    Can I make a payment to my Home Equity, Premier, or Classic Line of Credit Account through Online Banking?

    Yes, you can make a payment to your Line of Credit through Online Banking in two ways. Keep in mind, if you make a payment within 10 days prior to your due date the funds will be applied to your scheduled payment amount. If you make a payment after your due date, the funds will be applied directly to your principal balance as long as your scheduled payment has been satisfied.

    Keep in mind that these payments will be in addition to any automatic payment that is already set up with your checking account each month.

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    Can I make an additional principal payment to my loan accounts?

    No. You cannot make a principal only payment through Bill Pay, however, you can make a principal only payment by using the account transfer link within online banking. Be sure to click the principal only button at the bottom of the screen when making this type of payment.

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    What if I need a copy of a check that was sent through Bill Pay?

    Contact the Johnson Customer Support Center at 888.769.3796. Specialists are available Monday through Friday from 8:00 a.m. to 7:00 p.m. (CST) and Saturday from 8:00 a.m. to 1:00 p.m. (CST). If you need a check copy from your regular paper checkbook, you may use the User Form feature in Online Banking to submit your request electronically.

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    Can I make a payment to a business or person outside of the United States?

    No, payments sent through Bill Pay can only be sent within the United States.

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    What are the bill payment non-processing days?

    New Year's Day
    Birthday of Martin Luther King, Jr.
    President's Day
    Memorial Day
    Independence Day Observed
    Labor Day
    Columbus Day
    Veterans Day
    Thanksgiving Day
    Christmas Day

    *Holidays that fall on a weekend will be observed the following Monday.

    Please take these dates into account when scheduling payments as they are not considered a bill pay processing day. When scheduling payments allow three business days for companies to receive payments sent electronically, and five business days for payments sent by check. You will see the method of payment displayed on the Payee or Schedule Payments screen.

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    Financial Information Center Article:
    Online Security Tips
    MEMBER FDIC

 
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