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Online Banking/Bill Pay Security
Online Banking FAQs:
What can I do with GSB Online Banking?
Online Banking is the quick, easy, secure and smart way to manage your money. With Online Banking, you can:
* Check your account balances and review your transactions
* Confirm which checks, deposits, withdrawals and ATM transactions have cleared
* Transfer funds between GSB accounts
* Export your banking information to Quicken, Quickbooks and more!
* Manage your accounts with email notification alerts
* Pay bills online
*Turn your debit card on/off
How do I enroll in Online Banking?
You have two ways in which to sign up for Online Banking.
1. You may enroll online by going to our homepage and finding the link to "enroll now". Be sure to list all accounts you wish to have enrolled in your online account. Once the application is approved, you will receive an email from firstname.lastname@example.org on behalf of email@example.com with a link to be used for your first login. The email will also include a security code which will allow you to sign in and set up your account.
2. Additionally, you may contact any of our branches to sign up for Online Banking access. Both scenarios will start by receiving an invitation email (with a one-time security code) to log in to online banking for the first time (see above for details).
I am locked out of my Online Banking. What do I need to do? Once you are locked out, you will need to contact a Customer Service Representative in order to be reset. We will assist you in gaining access back into your Online Banking. If you have not used Internet Banking in 120 days or more your account will become inactive. Contact the bank to reactivate your account.
What are my options to receive the one-time passcode for extra login security in Online Banking? You have three options: you may receive a text, receive a phone call, or download the DUO mobile app.
What is the DUO App and why would I want to use it? The DUO app is a separate app you can install on your phone. It runs on your phone and helps you authenticate your login quickly and easily. When asked to authenticate (verify your identity) you simply select "Mobile App Push". A message will appear that says "Sending Push notification". Open the DUO app on your phone and select "Approve". Once this process is complete you will be taken directly to the screen to enter your password.
Why use DUO? It's fast & easy - one click approval/denial, works in any country, and does NOT require cell service to use.
How do I get DUO on my phone? During account setup you can select to install the DUO app and a text will be sent to your mobile device with instructions on how to get the app. If you are already setup, login to GSB Online Banking and select "Settings" then "Security". Select "Activate" mobile app on the device you choose and a link will be sent to your phone.
I don't want to receive a one-time passcode every time I log in to Online Banking on the same computer. What should I do? Once you enter your one-time passcode in the field provided, you will have an option to register your computer or device. We only recommend registering a computer or device if it is yours and it is private. If you register your computer or device, you should not be prompted with a request for a one-time passcode on future logins. If you have registered your computer or device, and you are still prompted to verify your identity, please contact Customer Service for further assistance.
I'm having trouble logging in. What should I do? Should you have any questions or you would prefer to have assistance with your Online Banking login, please don't hesitate to contact us by calling 308-537-7181
When I log in I am being asked Security Questions that I have never chosen before. Why? Virtually every time you experience this issue, it is due to the fact that your username was entered incorrectly. Please go back to our homepage and carefully re-enter your username. If you are unsure of your username, please contact the bank or click here for your username.
Is Online Banking secure? It is Gothenburg State Banks commitment to keep your accounts safe while adopting the latest security requirements provided by the government. The authentication procedures used for each login comply with the best industry practices on how to best protect you and your finances, including several levels of extra login security.
What time of day do transfers occur?
If transferring between two GSB accounts, transfers will be made the same day they are made if done by 5:00 p.m. on a banking business day.
Can I pay my loan with Online Banking?
Yes. Under transfers select the "loans" tab. If you want to make a payment to a non-GSB loan you can make it via the Bill Payment tab.
Can I transfer money to other financial institutions?
No, not at this time.
I still get a paper statement but would like to receive it online now. What do I need to do?Click here to details.
What export options do I have for my transaction history? You have the following options in which to export your transactions: Quickbooks, Quicken, Excel, comma separated, PDF document, and Word document. To export your transactions, click on the account you wish to view, then click on the Transactions sub-tab. You will see an option to export on the right. If you wish to print your transactions in a printer-friendly format, choosing a Word document, PDF document, or Excel document is an excellent way to do so.
How do I find my Online Statements? Once you are logged in to your Online Banking, click on the account you wish to inquire about. There will be a sub-tab link for Statements above your account activity for that account.
I would like to change some setting within my Online Banking, such as my password or my email address. What do I need to do? Once logged in to your Online Banking, click on the Settings tab. You will find options within that include changing your password or email address, adjusting your greetings, nicknaming your accounts, adjusting the order of your accounts, changing the way you view the widgets on the right, adding and editing sub-users, and setting up various alerts on your account.
What are the fees for Online Banking?
Online Banking is free for all GSB accounts.
Are there limits to the types of transfers I can do with Online Banking?
You may transfer funds between any GSB personal checking, savings and money market account(s). You may also transfer funds from a personal deposit account to a loan.
How much transaction history can I view online?
You can view up to 120 days of transaction history through Online Banking.
How current is my account information?
Online Banking offers you the most current balance and transaction information available. Most account information will show as soon as it is processed.
What is Online Bill Pay?
Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It's safe, secure and easy to use.
How do I sign up for Bill Pay? It's easy. First you need to be an online banking user. If you have not enrolled in online banking, click here to enroll. If you are already an online banking user simply log in to Online Banking and click the Bill Pay tab. The system will lead you through setting up your profile. Once you have set up your profile and then set up a payee, you may proceed with paying that payee when you wish.
How do I start using Online Bill Pay?
Click here for a quick step-by-step tutorial.
How do I add a new payee? Simply go to the Payees tab and choose Add a Payee. You will choose the type of payee you would like to add, enter the details of that payee, and then you will be ready to make a payment to that payee.
How do I pay a bill? To make a payment to a payee you already have in the system, simply go to the Payments tab and choose either single or recurring payment, based on which option suits you best. You may then choose the funding account you wish to pay that bill from, enter the amount you wish to pay, and adjust the date to be paid, if needed. You will then click next to review the payments you would like to make. If everything is correct, you should hit Submit Payment to send your payment via Bill Pay.
How do I add a memo or comment to a payment in Bill Pay? Once you initiate a bill payment by choosing the payee, entering the pertinent information, and clicking Next, you will have the ability to add a memo on the review screen. Under Additional Items, you may see an "Add" link next to Comment. If you click on that link, you will have the ability to add a memo or comment to that particular payment.
When will my account be debited for a bill payment I sent? Bill Payments can be sent in two ways: electronically and by check. Whether your bill is going electronically or by check, our account will be debited within the same amount of time. It is debited when the bill payment is processed and sent to the payee, so you may expect that your account will be debited within 1 - 3 business days in the amount of the bill paid.
How do I edit the details of an existing payee? Only payees receiving payments via check can be edited. Go to the Payees tab, choose View Payees, then you may find your payee in the list provided and either edit or delete that payee. If you need to make changes to an electronic payee delete the payee and add them with current information.
How do I add a new funding account through Bill Payment? Simply go to the Options tab, then choose Pay From Accounts. You may then view your existing funding accounts and also add an existing GSB Checking account you own by choosing Add Account. You will then enter the information requested and click Next. Your new funding account will only be ready to use once a GSB employee approves it. You will be notified through the Bill Payment messaging system when the new funding account is approved and ready for use.
I made a mistake on a Bill Payment I made. What can I do? If you make a payment prior to 3:00 PM CST on a business day, you will have the chance to edit or delete it up until 3:00 PM CST on that day. If you realize that a mistake was made after 3:00 PM CST on that day, the payment will already be in processing and will not be able to be edited.
I'd like to make a stop payment on a Bill Payment that has processed and was sent as a check. What should I do? Simply contact our Bill Payment provider by calling the toll-free number at the bottom of the Bill Payment page, or call the bank for assistance.
How do I edit my contact information in Bill Payment? Simply go to the Options tab, then to View Contact Info. You can update your information as you wish on this screen.
What is P:P or Pay a Person? This convenient feature allows you to make person-to-person payments electronically to anyone you choose, such as a landlord, babysitter, or relative.
How does P:P or Pay a Person work?
Click here for step-by-step instructions.
Why am I being asked to select a security image and personal greeting?
This is for your protection and allows you to make sure you login to the correct site. If you are ever attempting to login to your online account and do not see the image and message do not proceed and contact the bank.
I use Online Banking from home and work. Can you remember two different computers?
Yes. Simply select "remember this device" when logging in.
Will the system automatically remember my computer?
No. When logging in on a different device you will need to select "remember this device".