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Internet Banking
Basic Business
Internet Banking FAQs
Below are some of the frequently asked questions about Capitol Bank's Basic Business Internet Banking. To see the answers to these questions, either click on one of the links below, or scroll down to look through all the questions.
Do I need special software to access Capitol Bank's Internet Banking?
How much does Internet Banking cost?"
What services and accounts are available in Internet Banking?
How do I change my Capitol Bank Internet Banking password or access ID?
What do I do if one of my accounts isn't visible in Internet Banking?
Is the information I see in Capitol Bank's Internet Banking current?
What types of accounts can I transfer funds to and from?
When will my transfer take place?
Is Capitol Bank's Internet Banking compatible with software that I already use to manage my money?
What should I do if I have a question or need to talk to the bank?
What are the hours for Capitol Bank's Internet Banking?
How do I begin using Internet Banking?
Do I need special software to access Capitol Bank's Internet Banking?
Internet Banking is accessed on the Internet from a link on this web site. The same Internet Browser you are using to look at this page may be used to access our Internet Banking.
However, due to the security features necessary to protect you as you use Internet Banking, your Internet Browser must be able to use 128-bit encryption. At a minimum, you will need Microsoft Internet Explorer 6.0 or above, or Netscape Navigator 6.1 with strong 128-bit encryption.
If you don't know what version you have, go to the "Help" menu at the top of the screen, and click on "About Internet Explorer," or "About Netscape Navigator." If you need to upgrade, you can download both Internet Explorer and Netscape Navigator free from the internet. Just choose one of the following links:
Internet Explorer users also have the option of upgrading the security of your browser. To do this, click on the Help menu at the top of your Internet Explorer, then click on "About Internet Explorer." The box that comes up will tell you the version number, and security strength. If it is not 128-bit, you can click on the "Update Information" link, which will allow you to download just the 128-bit security feature, without downloading and installing the whole product.
I'm concerned about security on the internet. Is my financial information safe while I use Internet Banking?
This is a common concern about any transaction you make on the internet. Our Internet Banking uses the latest technology that has been developed to protect data through encryption or coding of the information. This ensures that only authorized people can see the data, and the only way to see that data is to supply the correct password.
You can help protect your information as well as the banking systems by protecting your password. Your password is the only way to access your account information. Please keep your password secure.
We want you to know that any breach of the security of our systems is a serious issue for Capitol Bank. Our success depends on our ability to manage these systems safely. We will do everything we can to ensure the protection of your financial information.
Requests for online banking information are passed on from the Web server to the host mainframe. We understand the importance of keeping client information secure. Our Data Processor has taken significant measures to ensure world-class network, data, and physical security.
At the data security level, a number of industry recognized technical advisors assisted in the development of the Internet Banking platform, including representatives from ICSA.net, iDEFENSE, and Check Point Software.
The secure network infrastructure includes the following components:
- Firewalls - All access to the application network passes through these CheckPoint 1 firewalls.
- Intrusion Detection - The production network is monitored and policed for intrusion attempts 7 days per week, 24 hours per day by network and security personnel.
- Sanitized Systems - The servers hosting the services run only the minimum set of services required to operate the application.
- Private Network - for trusted source connectivity.
- Audits and Inspections - The security infrastructure is regularly audited and inspected by the following firms:
- Deloitte & Touche - SAS70 Service Audit Review
- ICSA.net - TruSecure certified internal and Internet perimeter network security
- IDEFENSE - Intelligence driven Internet applications and data security
- FFIEC - Federal compliance examination
- Fiserv Internal Audit - Data and network security
An additional measure of security our Data Processor has put in place is the use of Private IP Addressing. This protects servers from inappropriate Internet access and restricts unauthorized visibility of internal components. If an unauthorized user were to follow your request from Internet Banking through to the host, that user would not be able to get back out or follow it back with any host information due to the Private IP Address assigned to the Internet Banking site.
How much does Internet Banking cost?
Capitol Bank's Basic Internet Banking services offer time saving banking at your fingertips for only $15.00 per month.
What services and accounts are available in Internet Banking?
Capitol Bank's Internet Banking allows you to view account balances, transfer funds between your Capitol Bank accounts, and make your Capitol Bank loan payments. Our Internet Banking also allows you to download your transaction history into money management software. You can access almost any account you have with Capitol Bank, including Checking, Savings, Money Markets, Certificates of Deposit, and Loans.
How do I change my Capitol Bank Internet Banking password?
To change your password, log on to Internet Banking. At the top of the screen is a Change Password button. When you click on the Change password button, you will see a second Change Password button. Click on that, and you will be sent to a screen where you can make the change.
Your password must be a minimum of 8 characters long and must be a combination of alpha and numeric characters. The password is also case-sensitive. Once you have changed your password, you will begin using the new password the next time you log onto Internet Banking.
What do I do if one of my accounts isn't visible in Internet Banking?
If you don't see one of your accounts on your initial Accounts screen, please let us know by calling us at (608)836-1616, or sending us an e-mail.
If I share a checking account with someone else, do we both need to enroll or can we share a Capitol Bank internet account?
For security reasons, we recommend that each person enroll separately and receive a unique Access ID for Internet Banking.
Is the information I see in Capitol Bank's Internet Banking current?
Yes, the balances that you see for checking and savings accounts is real-time and will change throughout the day to reflect your transactions. For example, if you initiate a one-time transfer between your accounts via Internet Banking, or if you use your Capitol Bank Debit card, your balance will be updated to reflect this activity.
What types of accounts can I transfer funds to and from?
You are able to transfer funds between any of your Capitol Bank savings and checking accounts, within the limits specific to your accounts. You can also make loan payments by transferring funds from a savings or checking account to a loan account.
When will my transfer take place?
If your one-time transfer is initiated before 6:00 p.m CST, the transfer will take place on the same business day. However, if your one-time transfer is initiated after 6:00 p.m. CST, the transfer will take place on the next business day.
Is Capitol Bank's Internet Banking compatible with software that I already use to manage my money?
Yes it is. Capitol Bank's Internet Banking can export transaction information to the leading financial management software packages, including Quicken®, Microsoft Money®, and Managing Your Money®.
You can download your account activity file to your computer and import the file into any financial management software that can accept .QIF (Quicken® data file format) format files, .CSV (Comma Separated File) format files, or .OFX (Open Financial Exchange) format files.
To use this feature, do the following:
- Click on the account for which you wish to export data.
- Within the Transactions button, click on Transactions Menu.
- In the Transaction Search box, use the pull-down menus and enter your search criteria.
- Specify the file type you would like to export your data to.
- Click on the "Export" button.
What should I do if I have a question or need to talk to the bank?
You can contact us via email. We will respond to you no later than the next business day.
What are the hours for Capitol Bank's Internet Banking?
Capitol Bank's Internet Banking is available 24 hours a day, 365 days a year. The only exception is for system maintenance that will occur occasionally, and will be done during off-peak hours.
How do I begin using Internet Banking?
Click on the Log In link, and that will take you straight to the screen where you can enter your Access ID and password. After logging in, you will come to a screen that shows
your accounts at Capitol Bank. On the left side, click on any of your account
numbers to go to detailed information regarding that account. Once you are
looking at a specific account, you have several options, which may include
viewing balances, transactions, and transfers, and you have the option
of viewing these for the current or previous business day, or the
current or previous statements.