The following are some frequently asked questions regarding Pine Country Bank‘s Online Banking that might assist you in accessing your account information.  If you have a question that is not listed, please contact us.

Q: How will Pine Country Bank’s Online Banking benefit me?
A: Pine Country Bank is striving to make banking as easy and convenient as possible.  Our Online banking product allows you to access your accounts, at your convenience, via the Internet from any location, twenty-four hours a day, seven days a week.  In addition, we are providing Pine Country Bank’s Online Banking at no charge.  You may use Online banking to:

• Transfer funds between accounts
• Obtain balance information on accounts
• Review transactions on accounts
• Obtain interest information
• Make loan payments
• View personal checks

Q: How much does Pine Country Bank Online Banking cost?
A: Pine Country Bank’s Online Banking is FREE!  We offer features such as transferring funds, checking balances as well as more advanced features such as viewing your check images on the spot and downloading your account information right into many money management applications.

Q: How much does Pine Country Bank Bill Payment Cost?
A: The first 10 transactions in one calendar month are free starting at the monthly anniversary date.  Beginning at the 11th transaction, you will be charged $.50 per transaction.

Q: How do I enroll in Pine Country Bank Online Banking?
A: To enroll in Pine Country Bank Online Banking:

The first time you log in to Pine Country Bank's Online Banking, asking for an Access ID and Password. 

1. First time Online user, click here

2. Read disclosures click here

3. Enter access ID, Account Type, and Password then Submit.

Once beyond the initial logon screen, you will be asked to change your password.  Keep this information safe, as you will be using it to access Pine Country Bank's Online Banking in the future. Click here to begin. *case sensitive*

Q: Is Pine Country Bank Online Banking secure?
A: Our Online Banking System uses industry standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol and 128-bit encryption; 128-bit encryption is the highest level of encryption currently available.  Firewalls and filter routers act as security guards for your data passing back and forth to the computers.  Pine Country Bank’s Online Banking will automatically lock out anyone if an incorrect User ID and Password is entered 3 consecutive times.  If a user is locked out because they have exceeded the number of allowable password attempts, they must contact Pine Country Bank to reset their password.  If, for 10 minutes, there is inactivity on any screen, you will be automatically logged off and launched back to a login screen and will be required to reenter your Access ID and Password.

Q: What is multi-factor authentication?
A: Multi-factor authentication is a new enhanced security feature that helps protect you while you access your accounts online. It allows our customers two methods to authenticate their identity for access to Internet-based financial services.  This increased level of security helps to prevent identity theft and unauthorized account use.

Q: What can I do to increase the security of the system?
A: Keep your password you establish confidential.  Do not share it with anyone.  Avoid choosing a password that can be easily guessed.  Always remember to "Logoff" the Pine Country Bank Online Banking system if you will be away from your computer.  If you believe that an unauthorized user has obtained your User ID and Password, contact Pine Country Bank immediately. 

Q: Will Pine Country Bank ever need to request my login or pin number from me?
A: Pine Country Bank will NEVER, email, or request in any manner under any circumstance your login or pin number for verification or any other reason.  If you should ever get a request for this information, do not answer it, and call Pine Country Bank immediately at any of our four convenient locations. 

Q: Can I change my Access ID?
A: No, your Access ID is assigned at the time your Online Banking account is setup.  Once it is assigned, it cannot be changed.  If you MUST have a different one, a new login will be created.

Q: Can I change my Password?
A: Yes, log into Pine Country Bank's Online Banking, click options, change password. A screen will automatically appear for you to change your password.  Your password must be between 4-16 characters.  Your password is case sensitive.

Q: What if I forget my Password or get locked out?
A: Users have three tries to logon before their password is locked out. We do not have access to your Password after your initial login to Pine Country Bank Online Banking.  Give us a call at any of our four convenient locations and we will be happy to help you.

Q: What if I forget my Access ID?
A: Give us a call at any of our four convenient locations and we will be happy to help you.

Q: What if I cannot sign onto Pine Country Bank Online Banking?
A: Pine Country Bank periodically has to perform updates to the Online Banking system.  These updates are usually transparent to the end user and are performed in the early morning hours between 12:00am and 3:00am.  We do this to minimize customer inconvenience.  Otherwise, Pine Country Bank Online Banking should be available twenty-four hours a day, seven days a week.  If you should experience problems signing into the system, please call us at any of our four convenient locations.

Q: What if I get an error message?
A: If you receive an error message write down the message; then simply call us at any of our four locations and we will work to resolve the problem as soon as possible.

Q: What accounts will I see?
A: All open accounts in which you have direct ownership are eligible for activation.  If you close an account, it will no longer pull up the information. 

Q: How do I view my checks online?
A: To view your checks online, simply log on to your online account.  Choose the account you wish to view.  You will notice the check number is underlined and in Blue text.  Using your mouse, position the cursor over the check number and click. An image of your check, both front and back will appear.  If you wish to print this screen, simply press the print icon on the top of your webpage.

Q: When are transactions available to view on Pine Country Bank Online Banking?
A:  Transactions are available for view on the next business day following the posting of the item. 

Q: What are the transaction cut-off times for Pine Country Bank Online Banking?
A: We only process transactions and update information on business days.  Our business days are typically Monday through Friday.  Transfers made after 3:00pm CST, will be processed on the next business day.  Federal holidays are not included.

Q: How do I setup a one time or automatic transfer?
A: Login to your Pine Country Bank Online account, choose "Accounts" and "Express Transfer".  Choose from the drop down boxes, the accounts you wish to transfer from and to.  Enter the amount of the transfer.