Security
Browser Questions
Johnson Online Banking
Questions
Johnson Bill Payment
Questions
How
does Johnson 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?
There are two additional areas you should be aware of. The
e-mail generated through the 'E-mail Johnson Bank' feature of the
application is not encrypted or secure and should be used only for
general questions and requests. Requests and questions requiring
specific information about your account should be initiated through
the specific secured form's feature. You may also call the Johnson
Customer Support Center at 1.888.769.3796. 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).
The second issue involves your browser. For added security it is
important to log off and close your browser when you have completed
your transactions in Johnson Online Banking.
How do I get Internet
Access?
Check your local Yellow Pages under Internet Online Service
providers.
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What is a cookie?
A cookie is a piece of data passed to your browser. Johnson
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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To keep my banking information private, what
recommendations do you have?
- Keep your password confidential. Change it frequently to ensure
that no one else can guess it, and do not let anyone else use
it.
- Never walk away from your computer without exiting the system
first. When you are finished with your banking, click the sign-off
button located at 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 Netscape Navigator, Microsoft
Internet Explorer, or AOL. 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 an end user's
computer that specifically seeks out Internet banking or financial
data, with the intent of communicating that data back to the
attacker who wrote the worm.
These worms target the vulnerabilities of the end users'
computers. 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.
- Do not open e-mail attachments that are of unknown origin to
the end user, as this is often the source of virus and worm
infections.
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What browser
do I need in order to access Johnson Online Banking?
- Microsoft Internet Explorer 6.0 and higher (includes American
Online 8 & 9)
- Mozilla Firefox 3.0
- Safari 1.2 and 3.0
Use these links to download the latest version of your
browser:
Microsoft® Internet Explorer
To download the 128-bin version, choose the Internet Explorer High
Encryption Pack.
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 using your browser's back button will cause you to be
logged out of Johnson Online Banking. For security reasons some
pages are automatically expired so that you cannot return to them.
By using the navigation toolbar found at the top of your Johnson
Online Banking page, you should not encounter this problem.
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Why do I get a "Certificate Expired" error message when trying
to access the site?
This will occur 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 Online
Banking?
The visual indicators of a secured connection vary from browser
to browser. The following is a listing of all the major browsers
and their methods of indicating a secured connection. With all
browsers, if https is in the address bar, the "s" means you have a
secure connection.
- Netscape Navigator - A small lock will appear in the bottom
left corner of the browser to indicate a secured connection. If it
is locked you have a secure connection, if it is unlocked, you do
not have a secure connection.
- Microsoft Internet Explorer - A small lock will appear in the
bottom right corner of the browser to indicate a secured
connection.
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What
do I do if I receive the following message: "Server is busy or is
not responding"?
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 can not 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 Online Banking or your accounts,
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 by logging into your Online
Banking program, clicking on User Options and Change User ID.
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How long will my
activity be available on Johnson Online Banking?
Johnson Online Banking supports a history that reflects your two
most recent statements through your most recent statement
activity.
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What types of accounts
can I see on Johnson Online Banking?
You are able to see all deposit accounts (checking, savings,
money market and CDs) loan accounts and lines of credit on which
you are a signor.
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When
I try to sign on to Online Banking I receive an error message
saying that I had an invalid login attempt. What
happened?
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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Why do I see a "0" in the balance column of my Account History
Screen when I make a transfer or when today's transactions
appear?
Balances are pending until all transactions are processed at the
end of each business day. You will see updated balances the
following business day. The real-time balance is reflected at the
top of the screen under account balance.
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Why do I receive
the message TRANSFER RELATIONSHIP NOT AVAILABLE when trying to make
a transfer?
This message indicates that the link between the accounts has
not been established. Please 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. and Saturday from 8:00 a.m. to
1:00 p.m. (CST) or visit your local branch to sign the
agreement.
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I cannot
successfully send an email using the "E-mail" link. Why is
this?
It is likely that your browser is not configured to use this
feature. Please use your normal e-mail software or service to send
your message to jcsc@johnsonbank.com. PLEASE DO NOT INCLUDE
ACCOUNT NUMBERS OR CONFIDENTIAL INFORMATION.
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Can I transfer
funds from my Home Equity, Premier Line of Credit or Classic Line
of Credit to 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
Personal Banker 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 check images through 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 check images?
Yes, 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 Payment through Johnson Online Banking?
You may register for Bill Payment Online by selecting the Bill
Payment icon. 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. After submission, the registration
form is electronically forwarded to Johnson Bank for review. This
process will take 3-5 business days. If you try to enter Bill
Payment during the application-processing period, you will be shown
a page requesting that you wait for the acceptance
notification.
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When can I start
using Bill Payment?
After enrolling for Bill Payment you will receive three (3)
e-mails. The first confirms receipt of your application. The second
confirms your approval status. And, the third notifies you that
your account has been activated and you can begin using Bill
Payment.
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Can I place
a stop payment on a bill payment check through Johnson Online
Banking?
No, at this time this feature is not available. To make a stop
payment, contact a Customer Support Specialist at 888-769-3796. If
you wish to cancel a recurring payment, you may do so using the
Johnson Online product through the Pending Payment screen. Remember
this must be done at least 24 hours before the payment is to
process.
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How are my bills actually
paid?
Johnson Online Banking transmits all your bill pay requests to
our bill payment service around 9:30 p.m. CST each day, Monday
through Friday. The next business day your payment is sent.
Typically the funds are deducted from your account within two
business days following transmission of 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. Johnson Online Banking transmits bill
payments Monday through Friday so PLAN AHEAD and remember weekends
and holidays. 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.
Is
there a maximum dollar amount per day for all combined payments
through Johnson Online Banking?
Yes, the maximum amount per day for all combined payments is
$19,999.99.
Can I make a
payment to a government agency through Online Banking?
Yes, you can make a payment to government agencies. The
following are examples of government agencies included:
- Municipalities
- Student Loans
- Court-ordered Payments
- City, State, and Federal Taxes
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 Johnson 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.
- 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.
- You may set up a payment to Johnson Bank using the address on
your statement and Line of Credit Account number. Your payment will
be made electronically to Johnson Bank.
Keep in mind that these payments will be in addition to the
automatic payment that comes from your checking account each
month.
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Can I make an
additional principal payment to my loan accounts?
No, any additional payments made to your loan will be
distributed to both principal and interest. You may call the
Customer Support Center or go to the nearest branch and request a
principal only payment.
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What if I
need a copy of a check submitted by Johnson Online
Banking?
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 Secure Forms feature of Johnson Online Banking and 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 can only be sent within the United States.
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What are
the bill payment non-processing days for 2010?
New Year's Day - January 1st
Birthday of Dr. Martin Luther King, Jr. - January 18th
President's Day - February 15th
Memorial Day - May 31st
Independence Day - July 5th
Labor Day - September 6th
Columbus Day - October 11th
Veterans Day - November 11th
Thanksgiving Day - November 25th
Please take these dates into account when scheduling payments as
they are not bill payment processing days. 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.
Please refer to the Help icon within the Bill Payment feature
for additional detailed frequently asked Questions and Answers.
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Financial Information Center Article:
Online Security Tips
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