Online Banking FAQs

 

First American International Bank (FAIB) Online Banking provides convenience, flexibility, and security to its online customers. There are no constraints for when and where to manage your finances. You can access your bank accounts online anywhere at anytime. The following links help to answer the frequent asked questions concerning FAIB’s Online Banking:




GETTING STARTED:




How do I enroll in Online Banking?

  • Enrollment is easy. Simply complete and sign the “Online Banking Sign Up & Account Management Form” at the time of account opening or at any FAIB branches. After signing the “Online Banking Sign Up & Account Management Form”, click on "Sign Up" in the Online Banking section at http://www.faib.com and complete the Online Enrollment Form.
  • FAIB understands the importance of protecting and verifying your identity. Therefore, having you complete and sign the “Online Banking Sign Up & Account Management Form” at the branch before completing the Online Enrollment Form for Online Banking helps to protect you in case of any identity theft issues when your personal information is stolen and used without your knowledge.

back to top>  Back to Getting Started



When can I begin using Online Banking after the enrollment?

  • After verifying your identity and information, you will receive an email within 2 to 3 business days notifying you that you can access to your Online Banking account.

back to top>  Back to Getting Started


How do I log in to Online Banking?

  • To access your accounts online, click on “Log In” in the Online Banking section at http://www.faib.com and type in you Login ID and click “Validate”.
  • Now you will prompt to “Additional Verification Required – Challenge Question” screen, go to “Your Answer” and enter the answer to the Challenge Question.
  • Click “Continue”, and the password with passmark page will appear.
  • Do not register the computer if it’s a public computer.
  • Verify that the image and caption presented is your Passmark chosen at the enrollment. If the image is not your Passmark, DO NOT PROCEED AND CONTACT US IMMEDIATELY.
  • Go to “Password” and enter your password.
  • Click “Login”, and the “Account Summary” page will appear.

back to top>  Back to Getting Started


What is a Passmark?

  • Passmark consists of an image and a caption.  You are required to select your personalized image and a caption that is meaningful to you at the enrollment process.  Passmark security feature verifies your identity as a trusted user of this site by identifying your computer as an approved device at each login.

back to top>  Back to Getting Started


 


Why do I have to answer the Challenge Question and verify the Passmark before entering the password?

  • This is Advanced Authentication which provides additional security feature that allows our users to authenticate the web site that you are entering before entering your password. You are authenticated by the security system before allowing you to access the account information. So you can provide your password information with confidence.

back to top>  Back to Getting Started



What are the User ID and Password requirements?

  • For User ID: it is not case sensitive and no special characters allowed. It must have no less than 4 and no more than 20 characters.
  • For Password: it is case sensitive. It must have no less than 4 and no more than 18 alphanumeric characters.
  • Password expires every 265 days. The system displays a warning message 5 days before its expiration. If you do not change the password at this time, you must contact us to request a password reset.

back to top>  Back to Getting Started



What is the number of maximum attempt before logging out the account?

  • If you enter the incorrect password for 5 times, an error message will appear and you must contact us to request a password reset.

back to top>  Back to Getting Started



What if I forgot my Online Banking User ID?

  • If you do not remember your Online Banking User ID, please contact us at (718)567-8338 ext. 1211 

back to top>  Back to Getting Started



What if I forgot my Online Banking Password?

  • Enter your login ID at the Login page, the “Additional Verification Required – Challenge Question” page will appear.
  • Answer the challenge question; do not register the computer if it’s a public computer.
  • Click “Continue”, and the password with passmark page will appear.
  • Click “Forgot your Password” under the “Password” field, and the “Password Assistance” page will appear.
  • Answer the challenge question, and click “Get New Password”.
  • A temporary new password will be sent to you through email. You will be prompt to change the temporary password.

back to top>  Back to Getting Started



What if I forgot the answers to the Challenge Questions?

  • If you do not remember the answers to the Challenge Questions, please contact us at (718)567-8338 ext. 1211 

back to top>  Back to Getting Started



Can I change my Online Banking Password?

  • Yes.
  • Log in to the Online Banking with your current password.
  • Click “Change Password” from “My Profile” at the main menu bar located at top, and the “Change Password” page will appear.
  • Type in your current password at the “Current Password” field.
  • Type in your new password at the “New Password” field.
  • Re-type your new password for verification at the “New Password Verification” field.
  • Click “Make the change”, and a confirmation page will appear.

back to top>  Back to Getting Started



Can I change the Passmark image or Challenge Questions?

  • Yes.
  • Log in to the Online Banking.
  • Click “Change PassMark” from “My Profile” at the main menu bar located at top, and the “Re-enter Your Password” page will appear.
  • Verify the Passmark is the current Passmark that you created, and type in your password at the “Password” field after verification.
  • Change your Passmark image by clicking on the “Change Image” link under the Passmark image.
  • Select the image of your preference as your Passmark image and click “Accept This Image”. It will return the page to “Change Passmark”.
  • To change the Challenge Questions and the Answers: select the challenge questions of your preferences and type in the answers to “Your Answer” fields on “Change Passmark” page.
  • Click “Submit”, and a “Change Passmark – Preview Your Changes” page will appear.
  • Review the information and click “Submit” to proceed after verification.
  • A confirmation page will appear.

back to top>  Back to Getting Started



Can I use Quicken Interchange Format, QuickBooks, Comma Separated Values, Quicken Web Connect, or Microsoft Money with Online Banking?

  • Yes. FAIB provides you the convenient way to link your accounts to Microsoft Money (2000 or higher).
  • You may also use Quicken Interchange Format (1999 or earlier), QuickBooks Interchange Format, Comma Separated Values (1999 or earlier), or Quicken Web Connect (2004 or earlier).

back to top>  Back to Getting Started


 

Can I link or unlink the account from Online Banking?

    • Yes.  You may link or unlink the account from Online Banking.
    • Please visit and sign the “Online Banking Account Linkage Maintenance Form” at any FAIB branches.

back to top>  Back to Getting Started


 


ACCOUNT ACCESS:

 



What accounts do I have online account access?

You can view the following accounts with Online Banking:

  • Checking
  • Savings
  • Money Market
  • Certificate of Deposit
  • Individual Retirement Account
  • Credit Card
  • Mortgage
  • Commercial Loan
  • Line of Credit
  • Installment Loan
  • Personal Loan

If you do not see an account on which you are an account holder, please contact us at (718)567-8338 ext. 1211

 

back to top>  Back to Account Access



Why is the full account number not displayed?

For your safety, only the last four digits of your account numbers on the system are displayed. In order to identify your accounts quickly, the abbreviation of each account type is also displayed.

  • Demand Deposit Account (DDA)
  • Savings (SAV)
  • Money Market Account (MMA)
  • Certificate of Deposit (CDA)
  • Individual Retirement Account (IRA)
  • Credit Card Account (CCA)
  • Mortgage Loan Account (MLA)
  • Commercial Loan Account (CLA)
  • Open End Loan (OEL)
  • Installment Loan Account (ILA)
  • Personal Loan Account or Participation Loan Account (PLA)

back to top>  Back to Account Access



How can I view the account transaction details?

  • Select the account you wish to display from the dropdown menu at the “Account Summary” window. And the “Account Detail” screen will appear.
  • Click “Transaction Detail” or scroll down the “Account Detail” page.
  • “Transaction Detail” provides the following:
    • a) Transaction Date
    • b) Transaction Description
    • c) Number of the Transaction (such as check serial #)
    • d) Transaction Amount (classified whether the transaction is a Debit or Credit)

back to top>  Back to Account Access



Can I sort my account transaction detail in different orders?

  • Yes. The default sorting order is by Transaction Date, descending.
  • You may change the sorting order ascending or descending by Transaction Date, Transaction Description, Number of Transaction, or Transaction Amount by clicking on the column heading. An up or down arrow will also indicate the current sorting by ascending or descending respectively.

back to top>  Back to Account Access



Can I use filter criteria to view the account details?

  • Yes. The bottom of the “Account Detail” page contains “Filter Selection Criteria” where you can filter the data. You may also click on “Filter Transactions” at the tope of the “Account Detail” page. After entering your criteria, just click on “Apply Filter”.
  • You can filter the following:
    • a) Date Range
    • b) Amount Range
    • c) Number Range
  • You can also view the account transaction details by Credits Only, Debits Only or Both Credits, and Debits.

back to top>  Back to Account Access



Can I send a request to FAIB that an item was posted incorrectly?

  • Yes. We provide you Item Correction feature which allows you to inform us any incorrect items were posted to your account.
  • Click “Item Correction” in the “Account Summary” window. The “Item Correction” page will appear.
  • Go to “Account” to select the account that contains the incorrect item.
  • Type in the asking information such as “Item Number”, “Posted Date”, “Posted Amount”, “Correct Amount”, you may also state any additional information concerning the correction request at the “Other Instructions” field.
  • Click “Proceed” to complete the correction request and an “Item Correction Verification” page will appear.
  • After verifying the information at the “Item Correction Verification” page, click “Complete” and an “Item Correction Confirmation” page will appear.

back to top>  Back to Account Access



Can I export my account transactions to spreadsheets and accounting systems?

  • Yes. Our Online Banking provides “Export File” feature which allows our customers to export the account transaction up to 90 days of history to Quicken Interchange Format (1999 or earlier), QuickBooks Interchange Format, Comma Separated Values (1999 or earlier), Quicken Web Connect (2004 or earlier), and Microsoft Money (2000 or higher).
  • Click “Export File” in the “Account Summary” window, and the “Export File” page will appear.
  • On the “Export File” page, select the followings:
    • a) Account for which you would like to export the transaction
    • b) Export format from the drop-down menu
    • c) Either “All New Transactions Since Last Download” or “Only Transactions On or Between”
  • Click “Continue” and a confirmation page will appear.
  • Click “Download File” to proceed.

back to top>  Back to Account Access



Can I see the upcoming transactions?

  • Yes. Our Online Banking provides “Upcoming Transactions” feature which allows our users to see a list of received items that have not yet been posted to the account.
  • Click “Upcoming Transactions” in the “Account Summary” window, and the “Upcoming Transactions” page will appear.
  • On the “Upcoming Transactions” page, select the account for which you would like to see, and the upcoming transactions will display on the same page.

back to top>  Back to Account Access



Can I view the check image online?

  • Yes. You may view front and back images of the checks for up to 90 days of your account’s transaction history.
  • To view the front and back images of the checks click on the camera icon next to the “Transaction Type/Description” at the “Account Detail” page under “Account Summary”.

back to top>  Back to Account Access



TRANSFERS & PAYMENTS BETWEEN ACCOUNTS:

 



How can I make a one-time current-dated funds transfer?

  • Transfers & Payments is a feature which allowing our customers to make fund transfers and payments to other FAIB accounts.
  • To make a one-time current-dated funds transfer:
    • a) Click “Transfer Funds” from “Transfers & Pmts” at the main menu bar located at top, and the “Transfer Funds” screen will appear
    • b) Select the account for which you want to make the transfer From the “From Account”
    • c) Select the account for which you want to make the transfer To from the “To Account”
    • d) Enter the transfer amount at the field of “Amount”
    • e) Click “Proceed” to continue, and the “Transfer Funds Verification Page” will appear
    • f) Click “Complete” the transfer after verifying the information

back to top>  Back to Transfers & Payments Between Faib Accounts



How can I make a future-dated or recurring funds transfer?

  • Transfers & Payments is a feature which allowing our customers to make future-dated or recurring fund transfers and payments to other FAIB accounts.
  • To make a future-dated or recurring funds transfer:
    • a) Click “Transfer Funds” from “Transfers & Pmts” at the main menu bar located at top, and the “Transfer Funds” screen will appear
    • b) Select the account for which you want to make the transfer From the “From Account”
    • c) Select the account for which you want to make the transfer To from the “To Account”
    • d) Enter the transfer amount at the field of “Amount”
    • e) Click “Show Advanced Options”, and the “Schedule” fields will appear
    • f) You may type a description into “Description” field; however, this is optional
    • g) Select your scheduling preferences for the “Schedule” section
    • h) Select the “Weekends/Holidays” preference: either “Transfer the last business day before” or “Transfer the first business day after”
    • e) Click “Proceed” to continue, and the “Transfer Funds Verification Page” will appear
    • f) Click “Complete” the transfer after verifying the information

back to top>  Back to Transfers & Payments Between Faib Accounts



Can I Transfer funds from Passbook Savings account online?

  • Yes, only if you have credit card with FAIB.
  • To make FAIB credit card payment:
    • a) Click “Pay Credit Cards” from “Transfers & Pmts” at the main menu bar located at top, and the “Pay Credit Cards” screen will appear
    • b) Select the account for which you want to make the payment From the “From Account”
    • c) Select the credit card account for which you want to make the payment To from the “To Account”
    • d) Enter the payment amount at the field of “Amount”
    • e) Click “Proceed” to continue, and the “Pay Credit Card Verification Page” will appear
    • f) Click “Complete” the payment after verifying the information

back to top>  Back to Transfers & Payments Between Faib Accounts

 


 

Can I make credit card payments?
  • Yes, only if you have credit card with FAIB.
  • To make FAIB credit card payment:
    • a) Click “Pay Credit Cards” from “Transfers & Pmts” at the main menu bar located at top, and the “Pay Credit Cards” screen will appear
    • b) Select the account for which you want to make the payment From the “From Account”
    • c) Select the credit card account for which you want to make the payment To from the “To Account”
    • d) Enter the payment amount at the field of “Amount”
    • e) Click “Proceed” to continue, and the “Pay Credit Card Verification Page” will appear
    • f) Click “Complete” the payment after verifying the information

back to top>  Back to Transfers & Payments Between Faib Accounts

   


Can I make loan payments if I have loans with FAIB?

  • Yes.
  • To make FAIB loan payment:
    • a) Click “Pay Loans” from “Transfers & Pmts” at the main menu bar located at top, and the “Pay Loans” screen will appear
    • b) Select the “Payment Type”: either “Regular Payment” or “Apply to Principal”
    • c) Select the account for which you want to make the payment From from the “From Account”
    • d) Select the loan account for which you want to make the payment To from the “To Account”
    • e) Enter the payment amount at the field of “Amount”
    • f) Click “Proceed” to continue, and the “Pay Loans Verification Page” will appear
    • g) Click “Complete” the payment after verifying the information

back to top>  Back to Transfers & Payments Between Faib Accounts



Can I view my scheduled transactions?

  • Yes.
  • To view the scheduled transactions:
    • a) Click “Scheduled Transactions” from “Transfers & Pmts” at the main menu bar located at top, and the “Scheduled Transactions” screen will appear
    • b) The “Scheduled Transactions” page contains the following: “Transaction Type”, “Description”, and “Next Scheduled”
    • c) To view the details of a specific scheduled transaction: click on the transaction link below the “Transaction Type”, and the “Scheduled Transaction Detail” page will appear

back to top>  Back to Transfers & Payments Between Faib Accounts



Can I delete a scheduled transaction?

  • Yes.
  • To delete the scheduled transactions:
    • a) Click “Scheduled Transactions” from “Transfers & Pmts” at the main menu bar located at top, and the “Scheduled Transactions” screen will appear
    • b) The “Scheduled Transactions” page contains the following: “Transaction Type”, “Description”, and “Next Scheduled”
    • c) Click on the transaction link below the “Transaction Type” for which you would like to delete, and the “Scheduled Transaction Detail” page will appear
    • d) Scroll to the bottom of the “Scheduled Transaction Detail” page, click “Delete this Transaction” and a confirmation page will appear
    • e) Click “Confirm Delete” to proceed

back to top>  Back to Transfers & Payments Between Faib Accounts



BILL PAYMENT:




What is Bill Payment?

  • Bill Pay allows you to pay your bills online. You can set up bill payments to just about anyone, anytime, and anywhere in the United States. Making payments online gives you the convenience, save you the time of writing checks, and even save you the cost of postages. Bill Pay will send the payee a paper check or an electronic payment, and you may set up one-time payment or recurring payments. You may even schedule payments in advance.

back to top>  Back to Bill Payment



How can I enroll in Bill Pay service?

  • Anyone who has a FAIB checking account may enroll in Bill Pay service.
  • To enroll:
    • a) Log in to your Online Banking account
    • b) Click “Bill Payment” at the main menu bar located at top, and the enrollment page will appear
    • c) Read the “Terms and conditions” for using bill payment by clicking on the page icon next to it
    • d) After reading the “Terms and conditions”, check the box next to “I have read and understand this agreement.”, and click “I Agree” to continue. You may disagree the “Terms and condition” and discontinue the enrollment
    • e) Choose the Bill Pay Account: select your checking account from the drop-down menu
    • f) Click “I Accept”, and the “Congratulations” page will appear

back to top>  Back to Bill Payment



What is a Payee?

  • Payee is a business or individual that you pay through Bill Pay service. You can create a list of payees by using the Add New Payees feature. You may add the most commonly paid by you such as utility companies, family doctors, day care enters, etc.

back to top>  Back to Bill Payment



How do I set up a payee?

  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “Add New Payees” on the left vertical navigation menu, and the “Add New Payees - Step 1 of 2” page will appear.
  • You may select the payee from the list of “Payee Categories” drop-down menu and click “Add”. The selected payee’s name will appear below the section of “My New Payees”.
  • If you cannot find the payee from the list of “Payee Categories” drop-down menu, enter the name of the payee at “Payee Name” under “Enter Payee By name” section. If there is a business relationship and you have an account number listed on the bill to be paid, select “Yes” next to “Have Account Number”, and click “Add”. If you select “No”, you may enter the individual’s account information on page 2 by checking the box next to “Have This Individual’s Bank Account Information”, and enter the following:
    • a) “Payee Routing/Transit Number”
    • b) “Payee Account Number”
    • c) “Confirm Payee Account Number”
    • d) “Account Type”
  • The payee’s name will appear below the section of “My New Payees”, enter the phone number, and the account number, and click “Continue”. “Add New Payees - Step 2 of 2” page will appear.
  • Type in the required information where indicating by “ * “.
  • You may check the following alert(s) from “Email Alerts”:
    • a) “Email me when a bill is due”
    • b) “Email me when a bill payment has been sent”
    • c) “Email me when any scheduled payment exceeds: _____”
    • d) “Email me when an electronic bill payment clears”
    • e) “Email me when an electronic bill payment has not cleared after_____days”
  • If the payee is selected from the “Payee Categories”, the match list will appear under “Matches Found”, select the match one and verify the address information displayed matches the address on the bill or invoice. If none of the options match, click “None of these addresses match my bill” and complete the required fields next to it. You may still select the email alerts from the options.
  • Click “Preview” after completing the required information, and “Add New Payees – Preview” page will appear.
  • Click “Submit” after verifying the information, and a confirmation page will appear.

back to top>  Back to Bill Payment



How do I view or edit a payee?

  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “View/Edit Payees” on the left vertical navigation menu, and the “View/Edit Payees” page will appear.
  • List of different payees are displayed under the section of “Review Payees”.
  • To edit a payee:
    • a) Click the name of the payee for which you would like to edit, and the “Update Payee - Payee Details” page will appear
    • b) Edit the fields accordingly
    • c) Click “Preview” after editing, and the “Update Payee – Preview” page will appear
    • d) Click “Save” to continue, and the confirmation page will appear

back to top>  Back to Bill Payment




How do I remove a payee?

  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “View/Edit Payees” on the left vertical navigation menu, and the “View/Edit Payees” page will appear.
  • List of different payees are displayed under the section of “Review Payees”.
  • To remove a payee:
    • a) Click the name of the payee for which you would like to remove, and the “Update Payee - Payee Details” page will appear
    • b) Click “Remove” at the bottom of the page, and a warning page will appear
    • c) Click “Remove” after verifying the information, and a confirmation page will appear

back to top>  Back to Bill Payment



How do I make one-time payments?

  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “Make One-Time Payments” on the left vertical navigation menu, and the “Make One-Time Payments” page will appear.
  • Click the box next to the payee for which you would like to pay.
  • Click “Continue to Worksheet”, and the selected payee will appear on the “Make One-Time Payments” page.
  • Select or enter the following:
    • a) Payment Account
    • b) Payment Date
    • c) Due Date
    • d) Payment Amount
    • e) Memo (optional)
  • Click “Preview Payments” to continue, and the review page will appear.
  • Click “Make Changes” to edit the information or click “Send Payments” after verifying the information, and the confirmation page will appear.

back to top>  Back to Bill Payment



How do I set up recurring payments?

  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “Set Up Recurring Payments” on the left vertical navigation menu, and the “Set Up Recurring Payments” page will appear.
  • Select or enter the following:
    • a) Payee Name/Account Number on Bill
    • b) Payment Method / Lead Days (update automatically based on the payee selected)
    • c) Payment Account
    • d) Series Payment Amount
    • e) Final Payment Amount (optional)
    • f) Series Payment Date
    • g) Series Due Date
    • h) Frequency
    • i) Last Business Day (optional: select if the payment should always arrive by the last business day of the month)
    • j) Total Number of Payments (optional)
    • k) Recurring Payment Type (Fixed: if payment made in the same dollar amount for each payment; Variable: if payee, funding account, and due date are always the same but the dollar amount will change)
    • l) Memo (optional)
  • Click “Preview Payments” to continue, and the review page will appear.
  • Click “Make Changes” to edit the information or click “Send Payments” after verifying the information, and the confirmation page will appear.

back to top>  Back to Bill Payment



Can I view the payment history?

  • Yes. Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “Payment History” on the left vertical navigation menu, and the “Payment History” page will appear.
  • Payee, Payment Date, Due Date, Payment Method, Check Number, Status, and the Amount of each payment made during the last 90 days will display at the page.
  • You may view the payment history based on the date range you selected:
    • a) Click “Enter Range” on the “Payment History” page
    • b) Select the payee name from the “Payee Name” drop-down menu
    • c) Select the date range from “Start Date” and “End Date”
    • d) Click “View History”, and the payment history will display your selection

back to top>  Back to Bill Payment



Can I view a consolidation of all payments in a month-by-month history?

  • Yes. Besides payment history feature, FAIB Online Banking also provides a month-by-month history of all your payments including scheduled, processed, and paid payments.
  • Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear.
  • Click “Calendar” on the left vertical navigation menu, and the “Monthly Overview” page will appear and display the current month payments.
  • Click “Previous” or “Next” to display another monthly payment history.
  • You may also click “List View” to see the list of payments in the month.
  • Click on the payee name link to view the payment details.

back to top>  Back to Bill Payment

 


 


Can I set up alerts about a bill payment delivery?

  • Yes. You can set up a variety of alerts to be sent to your email when a bill, payee, or payment matches the preset criteria. Alerts are broken into two categories including Payee Specific and General.
  • To add alerts:
    • a) Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    • b) Click “Set Up Alerts” on the left vertical navigation menu, and the “General Payee
      Payment Alerts” page will appear:
      • 1) Select the alert(s) from the options by clicking the box(es) next to it/them
      • 2) Click “Set Up Alerts” after selecting your option(s), and the verification page will appear
      • 3) Click “Set Up Alerts” after verifying the information, and the confirmation page will appear
    • c) To set up payee specific alert:
      • 1) Select the payee from the “Select Payee” drop-down menu at the “General Payee Payment Alerts” page, click “Go” and the “Update Payee – Payee Details” page will appear
      • 2) Scroll down to “Email Alerts” section located at the bottom of the page
      • 3) Make your alert selection, click “Preview”, and the “Update Payee – Preview” page will appear
      • 4) Click “Save” after verifying the information, and the confirmation page will appear

back to top>  Back to Bill Payment



How do I modify alerts about a bill payment delivery?

  • a) Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
  • b) Click “Set Up Alerts” on the left vertical navigation menu, and the “General Payee Payment Alerts” page will appear:
    • 1) Make the changes by clicking or unclicking the box(es) next to it/them
    • 2) Click “Set Up Alerts” after selecting your option(s), and the verification page will appear
    • 3) Click “Set Up Alerts” after verifying the information, and the confirmation page will appear
  • c) To modify payee specific alert:
    • 1) Select the payee from the “Select Payee” drop-down menu at the “General Payee Payment Alerts” page, click “Go” and the “Update Payee Details” page will appear
    • 2) Scroll down to “Email Alerts” section located at the bottom of the page
    • 3) Make the changes by clicking or unclicking the options, click “Preview”, and the “Update Payee– Preview” page will appear
    • 4) Click “Save” after verifying the information, and the confirmation page will appear

back to top>  Back to Bill Payment



When are payments deducted from my account?

  • Electronic Payments: when issue an electronic credit to the payees account. Funds are debited from your account on the Payment Date. Funds are verified before the payment is sent.
  • Paper Checks: when vendors do not accept electronic payments or the payee’s financial institution information is missing, it becomes necessary to issue paper checks for payment. Funds remain in your account until the check clears.

back to top>  Back to Bill Payment




Who should I contact if I have a payment inquiry?
  • “Payment Inquiry” feature allows you to initiate payment inquiries.
  • To initiate a bill payment dispute:
    • a). Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    • b). Click “Payment Inquiry” on the left vertical navigation menu, and the “Bill Payment Inquiry” page will appear
    •  c). Enter the necessary data, click “Preview Request” and a verification page will appear
    • d). Click “Send Request” after verifying theconfirmation page will appear
  •  You may contact us regarding Bill Pay service through secure message center.
  •  To send secure message regarding Bill Pay service:
    •  a). Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    •  b). Click “Contact Us” underneath the main menu and the “View Messages” page will appear                                                                 

back to top>  Back to Bill Payment





CASH MANAGEMENT:




What is Cash Management?

  • In addition to Online Banking financial activities, Cash Management offers additional features for use by business customers. These include ACH Origination, ACH Batch, Coin and Currency Orders, and corporate representative maintenance.

back to top>  Back to Cash Management




How can I enroll in Cash Management service?

  • Cash Management enrollment has to be taken at the branches. Please visit any of the FAIB branches for enrollment.

back to top>  Back to Cash Management




What is ACH Origination?

  • ACH Origination is used for single ACH transaction. Business customer may perform a scheduled transfer of funds between an account at FAIB and an account held at another financial institution,

back to top>  Back to Cash Management




How do I create an ACH Origination?

  • To originate ACH transaction:
    • a) Click “Cash Management” at the main menu bar located at top, and the “Cash Management” page will appear
    • b) Click “ACH Origination” on the left vertical navigation menu, and the “ACH Origination” page will appear
    • c) You may save your ACH transaction in a template for future use by clicking “Work with Templates” to save your ACH transaction for future use
    • d) Type in “Transaction Description”, “Amount”, Credit (WE ONLY OFFER ACH CREDIT TRANSACTION), Transaction Type, Effective Date, Name, ID Number (make-up number that helps to recognize the originator in the ACH file), receiver’s Financial Institution Number, receiver’s Account Number, receiver’s Account Type, Entry Description, Addenda Information if applicable, Settlement Account, Send Prenote (click Yes if you would like to send a prenote), Schedule the transaction if applicable, and Weekends/Holidays option
    • e) Click “Proceed”, and the verification page will appear
    • f) Click “Complete”, and the confirmation page will appear

back to top>  Back to Cash Management




What is ACH Batch?

  • ACH Batch is used for multiple transaction entry such as payroll.

back to top>  Back to Cash Management




How do I create an ACH Batch?

  • To originate ACH Batch:
    • a) Click “Cash Management” at the main menu bar located at top, and the “Cash Management” page will appear
    • b) Click “ACH Batch” on the left vertical navigation menu, and the “ACH Batch” page will appear
    • c) Click “Import Batch” if you have a batch file in proper ACH format.
    • d) Click “Create New Batch”, and the “ACH Batch” page will appear
    • e) Enter “Batch Name”, select “Credit” (WE ONLY OFFER ACH CREDIT TRANSACTION), select appropriate “Transaction Type”, enter “Entry Description”, select the “Settlement Account” and “Weekends/Holidays” option
    • f) Click “Save”, and the verification page will appear
    • g) Click “Complete”, and the confirmation page will appear
    • h) Click “Add New Record”, and the “ACH Transaction Detail” page will appear
    • i) Type in the Receiver Information, click “Save” and the receiver will appear at the bottom of “ACH Batch” page
    • j) You may add another record, delete, or changes any exiting records
    • k) Enter the “Effective Date”, click “Submit Batch”, and the verification page will appear
    • l) Click “Complete” to proceed after verifying the information, and the confirmation page will appear

back to top>  Back to Cash Management




Can I initiate Coin and Currency Orders?

  • Yes.
  • To initiate Coin and Currency orders:
    • a) Click “Cash Management” at the main menu bar located at top, and the “Cash Management” page will appear
    • b) Click “Order Coin and Currency” on the left vertical navigation menu, and the “Order Coin and Currency” page will appear
    • c) “Company Name”, “Address”, and “Phone Number” will automatically display at the page, enter “Contact Name” so we can contact the person when the order is ready for pick up
    • d) Select the appropriate account from “Settlement Account”
    • e) Enter the quantity of coin and currency for which you would like to order
    • f) Type in any special instruction in the “Instructions” box if applicable
    • g) Click “Proceed” to continue, and the verification page will appear
    • h) Click “Complete” after verifying the information, and a confirmation page will appear

back to top>  Back to Cash Management


 



What is Corporate Representative Maintenance?

    • This feature allows you to add representative to the Cash Management system for your business account.  You may establish the authorities and dollar limits for the corporate representative is allowed to perform
    • Please sign the “Cash Management Corporate Representative Authorization Form” at any of the FAIB branches.

back to top>  Back to Cash Management


 

Other Services:




How do I change my account nickname?

  • Change Account Alias feature allows you to change the unique names assigned to your accounts. These names will display in the system rather than your account numbers.
  • To change the account alias:
    • a) Click “Change Account Alias” under “My Profile” at the main menu bar located at top, and the “Change Account Alias” page will appear
    • b) Enter the desired name in the field next to the account for which you would like to change
    • c) Click “Make the change” and the confirmation page will appear

back to top>  Back to Other Services




Can I place a stop payment?
  • Yes. “Stop Payments” feature allows you to place a stop payment on a check you have written from your Demand Deposit, Savings or Money Market account.
  • To place a stop payment:
    • a) Click “Stop Payments” under “Other Services” at the main menu bar Located at top, and the “Stop Payments” page will appear
    • b) Select the account that the payment came from the “Account” field
    • c) Type in the Amount, Starting Check Number, Ending Check Number, Date of Item, Payee, and the Reason to Stop Payment to the according fields
    • d) Click “Proceed” to continue, and the verification page will appear
    • e) Click “Accept Fee and Complete” after verifying the information and agreeing to the fee, the confirmation page will appear
    • f) If the item has already posted to this account, an Error Notification message will appear

back to top>  Back to Other Services



How do I reorder checks from FAIB online?

  • Reorder Checks feature allows you to place an order for checks from FAIB.
  • Please fill up the order check secured form online and we will process your order within 3 to 5 business days. 

back to top>  Back to Other Services



How do I make a Reprint Check request?

  • To make a Reprint Check request:
    • a) Click “Reprint Checks” under “Other Services” at the main menu bar located at top, and the “Reprint Checks” page will appear
    • b) Select the appropriate account from the drop-down menu from “Account”
    • c) Enter “Check Number”, “Amount”, and “Date Posted” into the appropriate fields
    • d) Click “Proceed” to continue, and the verification page will appear
    • e) Click “Accept Fee and Complete” after verifying the information and accepting the fee, the confirmation page will appear

back to top>  Back to Other Services



How do I make a Reprint Statement request?

  • The requested check copy will be sent to you by email.
  • To make a Reprint Statement request:
    • a) Click “Reprint Statements” under “Other Services” at the main menu bar located at top, and the “Reprint Statements” page will appear
    • b) Select the appropriate account from the drop-down menu from “Account”
    • c) Enter "Check Number", "Amount", and "Date Posted " into the appropriate fields 
    • d) Click “Proceed” to continue, and verification page will appear
    • e) Click “Accept Fee and Complete” after verifying the information and accepting the fee, the confirmation page will appear

back to top>  Back to Other Services




What is a Loan Calculator?

  • Loan Calculator allows you to calculate estimated monthly payments for various types of loans.
  • Loan Calculator is located under “Other Services” at the main menu bar located at the top: Enter the “Principal Amount”, “Estimated Interest Rate”, and “Number of Monthly Payments”.
  • Click “Calculate Payment”, and the estimated monthly payment will appear.

back to top>  Back to Other Services





What are Planning Tools under Bill Payment?

  • Planning Tools provide you with information about Individual Retirement Accounts (IRAs), Loans, Retirement, Savings, and Taxes.
  • To locate the Planning Tools under Bill Payment:
    • a) Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    • b) Click “Planning Tools” on the left vertical navigation menu, and the “Planning Tools” page will appear
    • c) You may browse the IRAs, Loans, Retirement, Savings and Taxes information

back to top>  Back to Other Services




What is Personal Profile under Bill Payment?

  • Personal Profile feature allows you to establish the automatic logoff setting for your Bill Pay session.
  • To locate and change the Personal Profile under Bill Payment:
    • a) Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    • b) Click “Personal Profile” on the left vertical navigation menu, and the “Automatic Logoff” page will appear
    • c) Select the number of minutes that should be allowed inactivity before the Bill Pay section automatically logs off
    • d) Click “Change Preferences”, and the confirmation page will appear

back to top>  Back to Other Services



How do I send a secure message to FAIB regarding Bill Pay service?

  • You may contact us regarding Bill Pay service through secure message center.
  • To send secure message regarding Bill Pay service:
    • a) Log in to your Online Banking account, click “Bill Payment” at the main menu bar located at top, and the “My Bills Home” page will appear
    • b) Click “Contact Us” underneath the main menu, and the “View Messages” page will appear

back to top>  Back to Other Services



How do I send a secure message to FAIB regarding other questions?

  • Locate “Message Center” on the left vertical navigation menu.
  • Click “Send a Message” under Message Center, and the “Send a Message” page will appear.
  • Choose the appropriate category from the drop-down menu, type the message, and click “Send This Message”

back to top>  Back to Other Services



How do I view my sent messages or messages from FAIB?

  • Locate “Message Center” on the left vertical navigation menu:
    • a) To view you sent messages: click “View Sent Messages” under Message Center, and the “Sent Messages” page will appear
    • b) To view messages from FAIB: click “View Messages” under Message Center, and the “View Messages” page will appear

back to top>  Back to Other Services



How long should I expect to receive a response?

  • Generally, you will receive a response within 1 to 2 business days.

back to top>  Back to Other Services


 


Technical & Security:

 



What kind of computer equipment and software do I need for Online Banking?

  • You need a computer with internet connection and one of the following recommended Internet browsers: Microsoft Internet Explorer 6.0 and higher, Firefox 2 and higher or Safari 1.0 and higher. You can use either a Macintosh or a Windows computer.

back to top>  Back to Technical & Security



Can I use Online Banking outside of the United States?

  • Yes. You can use Online Banking from anywhere in the world as long as you have a connection to the Internet and a supported Internet browser.

back to top>  Back to Technical & Security



Is FAIB Online Banking safe?

  • Yes. First American international Bank ensures a secure internet banking environment for our customers.
  • Requires a user ID and password that only the customers know.
  • Asks challenge questions to confirm the client's identity.
  • Uses encrypted pages for password sign-on.
  • Uses 128-bit SSL encryption for secure information throughout Online Banking.

back to top>  Back to Technical & Security



What does SSL mean?

  • SSL stands for Secure Socket Layer. The Secure Sockets Layer prevents other computers along the route from eavesdropping by encrypting all data transmitted between our site and your computer.

back to top>  Back to Technical & Security



What is 128-bit encryption?

  • Encryption systems scramble electronic communications and information and allow users to communicate on the Internet with confidence, knowing their security and privacy are protected. We use 128-bit encryption, which provides powerful protection for Internet transactions. This encryption ensures that all transactions are secure online.

back to top>  Back to Technical & Security



What if I delete the cookies from my computer?

  • If you delete cookies from your computer, you will be prompted at your next login to answer the challenge questions. Once you have answered the questions, you may click on “This is a Personal Computer. Register It “and once you have selected that, you will not be prompted with the challenge questions on that computer unless you clear the cookies again.

back to top>  Back to Technical & Security