PC Banking and Web Bill Pay FAQs

PC Banking Answers A1: There are two ways to enroll for PC Banking. One way to enroll is to visit the closest Bank branch location, and complete a paper application in person.You can then have one of our employees give you a demo of the system and help you enroll on-line. Another way to enroll is to visit our bank’s web site, click on the PC Banking or Online Banking icon, and link to the application. You can go to sign up and enroll. You will be able to complete the entire application online. When you enroll, your PC Banking system user profile is set, along with the defaults that will appear in some of the data entry fields in this program. You can always change these defaults through the Customer Information pages after you first enroll. You will be notified as soon as the enrollment process is complete and the PC Banking system is available for you to use. It’s very important to change your password frequently.

Select a password that has some meaning to you, but that would be difficult for others to guess. Please do not use your Social Security Number, phone number, address, birth date / family member’s birth date, or anniversary.
Use at least six characters, although eight is better.
Avoid using single words or names.
Try to include non-alphabetic characters, such as punctuation marks or brackets, in your password.

Back to top A2: Yes. You can still access and use the automated telephone banking system and can be connected to a customer service representative at any time. Back to top A3: PC Banking is FREE to all Bank customers! You’ll be able to access your accounts 24 hours a day, 7 days a week. PC Banking gives you transaction details, allowing you to transfer funds between accounts, and perform many self service features like making stop payments and reordering checks. It’s truly your “one stop shop” for banking. For a kick – off Mid-Central National Bank is giving the customer free Bill Pay for 3 months after enrollment. There will be a $4.95 a month charge for Web Bill Pay after that, unless you have Interest or Senior Checking – then it’s FREE! You aren’t charged anything if you don’t sign up for it. You can schedule to pay a bill within minutes and have a confirmation of payments made. You can also schedule payments ahead of time or on a recurring basis. You’ll never go back to licking stamps and filling out envelopes! Back to top A4: In addition to having access to your checking account, you can also view your savings, personal loans, mortgage loans, and some investment accounts–all online. All accounts will be listed in the Account Summary section once you login to PC Banking. Your accounts will be separated by category: deposit accounts, certificate of deposits and IRAs, and loan accounts. If you don’t want an account to show up on online banking just call the bank and tell us which account you want removed from view and we will take care of it. Back to top A5: There are 3 easy ways to contact the bank concerning questions about your account, click, call, or visit. 1. Click (via e-mail) With e-mail, you can contact the Bank 24 hours a day, seven days a week. Simply access the “Contact Us” screen to send a message or question to the Bank. To find this option:

Select “Contact Us” from the main navigation bar. The Contact Us Page displays.
Enter your message in the message box.
When you are finished, click on the ‘Send Message’ button to continue with your message. If you do not want to send a message, click on the ‘Cancel’ button. You will be returned to the Account Summary Page.
If you clicked on the ‘Send Message’ button, the Contact Us confirmation page displays, indicating that your message was sent. It also displays the message you entered.
Once you are finished, you can click on any link and go to the selected page.

Since e-mail isn’t always secure, we recommend that you don’t include any sensitive information like account numbers, balances or passwords. By providing us with your name, mailing address, phone number and a general description of your question, we can review your account activity and respond by email or phone. 2. Call if you would like to speak with a bank representative, you can call the bank customer service line during regular banking hours and someone will be glad to personally answer your question. 3. Visit if you would like to speak with a bank representative in person, you can visit the Bank branch location nearest you during regular banking hours and someone will be glad to personally answer your question. Back to top A6: You first access the Internet via your Internet Service Provider or ISP. Once you’ve gained online access you then can connect to the Bank’s web site. Then click on the PC Banking button or link within the Bank’s web site. This takes you through a series of firewalls and secure connections, which link you to the PC Banking server. This server houses the software you see when accessing your account information. As updates are made to the Bank’s database and account information is updated, data is then sent from the Bank to the secure PC Banking server and made available for you to view. A7: After the bank calls you to make sure you initiated the enrollment it should be available to you in 24 hours. It’s a good idea to change your password regularly. The system requires you to change your password every 45 days.

Select a password that has some meaning to you, but that would be difficult for others to guess. Please do not use your Social Security Number, phone number, address, birth date / family member’s birth date, or anniversary.
Use at least six characters, although eight is better.
Avoid using single words or names.
Try to include non-alphabetic characters, such as punctuation marks or brackets, in your password.

Back to top A8: There are two ways you can view account information: as a summary of all your accounts, showing the current balances, or more detailed account information for a specific account. Once you are logged into the PC Banking system, you will see the Account Summary screen. The Account Summary screen is the system’s “home” page. When you are done with an activity, you should return to this page to view the results of each transaction. The Account Summary page lists all your accounts with different levels of information. The nature of this information depends on the type of account. Click on an account name to get more detailed information about that account. Back to top A9: The same way you always have. In addition to the convenience of online banking, you can still write checks and use the ATM as you always have. Only now with PC Banking, balancing your checkbook is much easier! You can view your current balance anytime of the day or night and view account detail to see which checks and deposits that have cleared. Back to top A10: The current balance is similar to the balance on your most current bank statement. It includes all transactions that have already cleared the bank and have posted to your account. These include checks, deposits, ATM transactions, or other withdrawals. Your current balance is updated daily, and gives you an up – to – date picture of your checking account status. The available account balance is comparable to your checkbook register. Transactions are automatically debited and credited to your available account balance once they have cleared the bank but not yet posted to your account. The available balance also includes any upcoming or pending transactions that have been entered but not posted such as an ACH debit or future payment request. Once the items have cleared the bank, they will then show up in the current balance total. Remember that if you do a transaction on line after 3:00 CST it won’t show up it in your available balance until the next day. It won’t show up in your current balance until it has cleared the bank. Remember also that checks clear overnight and they won’t show up until the next day. If you have a balance of $1,000.00 and you have a check clear overnight amounting to $300.00, the next business day you’re current and available balance will show $700.00. Back to top A11: You can access the Account Detail screen by clicking on an account link on the Account Summary screen. This screen provides information for one of your accounts. Transaction history is displayed for Checking, Savings and Money Market accounts. The top section of the Account Detail screen displays general account information, such as balances, number of debits or credits, and totals of debits and credits for this particular account. The middle section of the Account Detail screen is the Transaction Display table. The first view of the Account Detail screen displays data for the last load (typically previous day information) of transaction information provided by the bank. For each transaction, you can see the effective date of the transaction, the transaction description, the number of the transaction (such as check serial number), and the amount of the transaction. The information is sorted by date, with most recent transactions first. To view transaction information for this account in another sort order, such as Amount, Type, or Number, click on the column heading. An arrow indicates the primary sort column and an up or down arrow will indicate ascending or descending order. The bottom section of the Account Detail Page contains Filter Criteria fields, where you can perform a filter of the data that you would like to view. Filter by all or some of the following: date range, amount range, number range, debits only, credits only, or debits and credits. You can also indicate whether you would like to view debits only, credits only, or both debits and credits. Select another account with the dropdown account field without having to return to the Account Summary Page. Once you have entered the filter criteria, click on the Apply Filter button. The Transaction Display table above refreshes with the results of your filter criteria selection. The filter criteria you entered may take a few moments to display, if the amount of data available is large. Back to top A12: Clicking an underlined word or phrase takes you directly to that part of the Account Detail screen. Alternatively, use the scroll bar on your browser to scroll through the Account Detail information. Next, Previous, and Jump to Page options appear for accounts with multiple associated pages of information. Click Next to see the next page of data, click Previous to go to the previous page of data, and select Jump to Page from the drop-down list if you know which page of data you want to access. Click on the Return to Account Summary link to go back to the Account Summary screen. Back to top A13: Personal check reordering is available online within PC Banking. You can now order checks 24 hours a day, 7 days a week. Simply click on “Account Services” in the top navigation bar. Then click on “Reorder Checks”. It’s as easy as that. You can choose from re-ordering your existing checks by entering in the account, starting check number and number of boxes you’d like. You can also browse through new check designs and order brand new checks from the Bank’s check vendor. All online! You can also visit the Bank branch location nearest you, or go to our bank website at www.midcentralbank.com and place an order. Back to top A14: The same way you’ve always made deposits. You can visit the Bank branch nearest to you and make the deposit in person. You can mail the deposit to the Bank in a deposit envelope. Plus, an easy way to expedite salary deposits is to work with your employer to set up direct deposit of your paycheck into your checking account. This makes it very easy to receive your regular payroll check. The money is automatically credited to your account on your usual payment days. And, there’s no more waiting in line at the Bank to make a deposit! Back to top A15: Yes, the Change Account Alias page allows you to change the alias that you use to disguise the full account number of your accounts, as they display in PC Banking. It displays a list of all your accounts (Demand Deposit, Savings, Money Market and/or Loan) by their account numbers, with a field where you can enter a nickname for the account, such as Household Checking or Pam’s Savings. To change an account alias, do the following:

1. Select ‘Customer Information’ from the main navigation bar and then select ‘Change Account Alias’ from the option list shown to the right of the page title.2. In the field beside an account’s alias you want to change, enter the new alias.

3. If there are other accounts whose alias you wish to change, do the same as described above. 4. When you are finished, click on the ‘Make the Change’ button. This makes your new information effective. Back to top A16: Yes, PC Banking is compatible with leading finance software packages, including Microsoft� Money. This means that you can manage your money in a familiar way while banking with a recognized leader in emerging technology. With PC Banking, and Microsoft Money, you can have money management at your fingertips and complete control over your finances. Back to top

Security Answers A17: PC Banking uses the latest and most innovative security technology available today. Using Windows NT and SQL (a powerful, relational database language), cryptography, firewalls, digital certification and authentication, are all utilized to make sure that all of your online transactions are secure and authentic. Back to top A18: Read the Bank’s security statement for more detailed information. Here you will find all the information you need about how the Bank keeps your account information safe. You will find this information when you login to internet banking. Click on Questions about security and privacy. Back to top A19: All transactions are encrypted for security, and the PC Banking system is as secure as using an ATM. There are, however, a few steps you can take to ensure your account information is secure.

Never leave your PC Banking system user name and password where another person can find them.
Always use the Exit option on the Main Menu to leave the PC Banking system when you’re done. If you just close your browser, or move to another web page, you could be leaving your connection to the system open. This could allow another person to access your accounts if you step away from your machine.

Transferring Funds Answers A20: The Transfer Funds feature allows you to move or transfer funds from one account to another. The screen asks you for the account that funds will come from, the account that will receive the funds, and the amount of the transfer. You can create a single funds transfer, a scheduled funds transfer, or a recurring, scheduled funds transfer. Back to top A21: All transfers initiated before 3:00p.m. CST will post on the same business day. Any transfers initiated after 3:00p.m. CST will post on the next business day. When the transfer is complete, the post date will be reflected on the transaction detail screen as cleared. Back to top A22: Unlimited fund transfers, along with viewing account balances and transactions is included with PC Banking. There is no additional cost to you. There is a fee for check copies, reprinted statements and stop payments. Back to top A23: Funds Transfer is available to all PC Banking customers. No special sign-up or software is required. To begin transferring funds, simply click the “Transfers and Payments” button on the top navigation bar then click on “Funds Transfer” on the right side navigation. Back to top A24: To transfer funds only once on the current day, do the following:

1. Select the appropriate ‘From’ and ‘To’ accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer.2. When you click on the ‘Proceed’ button, the Transfer Funds Verification Page displays, recapping the information you entered on the previous page. 3. Click the “Complete” button to continue.

4. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records. Back to top A25: To transfer funds only once on a date later than today’s date, do the following:

1. Select the appropriate ‘From’ and ‘To’ accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer.2. Click on the ‘Show Advanced Options’ button. The Schedule fields will be displayed.

3. Enter a description, if any, of the transfer. 4. At the Schedule fields, select the Transfer On radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today’s date. Confirm that the date you have entered is a business day. 5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day). 6. Click on the ‘Proceed’ button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page. 7. Click the “Complete” button to continue. 8. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records. Back to top A26: To transfer funds between the same accounts for the same amount on a regularly scheduled basis, do the following: 1. Do not fill in any of the fields on the Transfer Funds page. Click on the Advanced Options button below the fields. The Scheduled Transactions Page displays. 2. Select the appropriate ‘From’ and ‘To’ accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the transfer. 3. Enter a description, if any, of the transfer. 4. At the Schedule fields, fill in the appropriate fields. You can enter a start date for this transaction, which must be a future date after today’s date. Confirm that the date you have entered is a business day. 5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day). 6. Click on the ‘Proceed’ button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page. 7. Click the “Complete” button to continue. 8. The Transfer Funds Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records. Back to top

Paying Loans Answers A27: Yes, on the Pay Loans screen, you can simply make a loan payment or a loan principal payment by transferring funds from your Demand Deposit, Savings or Money Market account to your loan account. You can make a one-time payment, a future-dated payment, or scheduled, recurring payment. To make a loan payment, click on the “Transfers and Payments” button on the main navigation bar and then click on the “Pay Loans” link on the option list in the right corner of the page. Back to top A28: To create a loan payment or loan principal payment that you want to have occurred only once on the current day, do the following:

1. Select the type of payment you would like to make, whether it is a loan or loan principal payment.2. Select the appropriate ‘From’ and ‘To’ accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.

3. When you click on the “Proceed” button, the Pay Loans Verification Page displays, recapping the information you entered on the previous page. 4. The Pay Loans Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records. Back to top A29: To create a loan payment or loan principal payment that will occur only once on a date later than today’s date, do the following:

3. Click on the ‘Show Advanced Options’ button. The Schedule fields will be displayed. 4. At the Schedule fields, select the ‘Pay On’ radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today’s date. Confirm that the date you have entered is a business day. 5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day). 6. Click on the ‘Proceed’ button. The Pay Loans Verification Page displays, recapping the information you entered on the previous page. 7. Click the “Complete” button. 8. The Pay Loans Confirmation Page displays, summarizing your transaction, and the confirmation number. Print this page for your records. Back to top A30: To create loan payment or loan principal payment that you want to have occurred on a regularly scheduled basis, do the following:

1. Do not fill in any of the fields on the Pay Loans data entry page. Click on the ‘Show Advanced Options’ button below the fields. The Scheduled Transactions Page displays.2. Select the type of payment you would like to make, whether it is a loan or loan principal payment.

3. Select the appropriate ‘From’ and ‘To’ accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu. 4. At the Schedule fields, select the description of the regular loan payment you would like to set up and fill in the appropriate fields. If a date is required for the type of schedule you select, this must be a future date after today’s date and a business day for your financial institution. 5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your payment to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day). 6. Click on the ‘Proceed’ button. The Pay Loans Verification Page displays, recapping the information you entered on the previous page. 7. Complete the transaction, click on the “Complete” button. 8. The Pay Loans Confirmation Page displays, summarizing your transaction and the confirmation number. Print this page for your records. Back to top

Bill Pay Answers A31: Electronic Bill Pay is the most convenient service to be introduced since ATM’s. As a subscriber, you can pay any bill by Internet 24 hours a day 7 days a week. No longer will you have to worry about stamps, envelopes and checks. Back to top A32: You may conveniently register for Billpay at the same time you register for Online Banking. You will receive an E-mail from Billpay when your account has been activated. This will take approximately 3 days. You can always add the Billpay option to your Online Banking by going to your Login screen and clicking on the Sign up for Online Banking or Bill Pay option. This will bring up the Enrollment Form. Click on Online Bill Payment Only. Only available if you are already an Online Banking Customer. Back to top A33: The first thing you’ll need to do is organize all of the billing information on the accounts that you want to pay through Electronic Bill Pay. Gather together the names, phone numbers, billing addresses and your account number with the company or individual. If you want to make electronic payments, include the payee’s bank account number and routing number. Next, go online, click on Transfers and Payments, click on Pay Bills, choose the Set Up Accounts and Payees option. Complete an enrollment form for each bill and submit. The account status will show pending. It will take approximately 3 days for Billpay to process and set up the accounts. The status will change from pending to active when processed. Back to top A34: When the account status has been changed from pending to active after approximately 3 days, you can begin processing your bills. The processing date is not the date the bill is paid. Allow up to 8 business days from processing a bill to having the payment received by the payee. Back to top A35: Only government taxing authorities or court directed payments such as alimony and child support. No payments outside the United States. There are limitations on payments to security companies for stock purchases or trade. Back to top A36: No. You need to allow at least 8 business days for payments to reach your payee. Be sure to remember that, although you can schedule a payment at any time, payments are actually sent to payees only on business days. If the payment is made electronically it will take less time to be received than if done by mail. Back to top A37: If funds are not available when your bill payment tries to clear your account, your bill will not be paid and your account will be charged an NSF or Overdraft fee. Back to top A38: A variable/single bill payment is a one time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly such as a florist you use only occasionally. A recurring payment is one made regularly for the same dollar amount, on the same day each month such as your car or mortgage payment. You need only to set up a recurring payment once in the system and only change it when the payment is to be changed or cancelled. Otherwise, your recurring payments will be made automatically. Back to top A39: You may schedule payments to be initiated on the day you enter the information, on a future date or on the same date each month. Although you can enter payment information 24 hours a day, 7 days a week, payments can only be initiated on business days. We may remit your payments by electronic funds transfer, or if the payee does not accept electronic payments, by mailing your payee a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be at least eight (8) business days before the bill’s actual due date. Back to top A40: You can change or delete a bill payment up to 3:00 p.m. CST of the processing date you originally gave us. Back to top A41: First, be sure to allow the eight (8) business days for a payee to receive your payment. If the payee does not post your payment within eight (8) business days of the date you requested the payment to be processed please contact a Mid-Central representative. Back to top A42: Simply login to online banking, go to Transfers and Payments, click on Pay Bills and choose the Set Up Accounts and Payees option. Press Add and fill in the Enrollment Form and submit. The account status will show pending. Billpay will process the account and change the status to active. When the account becomes active you can begin processing your bills for payments. Back to top A43: Each time you enter a payment you are given a transaction number so you can be sure we received your request. In addition, payments will appear on your monthly statement. You can also go online and check your account for proof of the transfer. Back to top A44: The monthly subscriber fee will be automatically withdrawn from the account you designate for bill paying on the anniversary date of your initial sign up. The fee will show up on your monthly statement or you can go online and check your account for proof of payment. Back to top A45: It is recommended that you NOT cancel any auto debit UNLESS your new bill pay program has the ability to electronically remit this payment to your merchant. TO determine if your merchant is electronic with your new bill pay program, simply call the service and this information will be provided to you. Merchants who have their own debit program will often times not ALLOW 3rd party processors to remit payments to them. Our main concern is that your bill be paid in a timely manner and safely. Some typical merchants are, Insurance companies, Utility companies and Mortgage companies. Back to top A46: You will access the system by entering the USER ID and PIN chosen by you. Only individuals with this information can access your account. Be certain not to release this information to anyone you do not want to fully authorize as a user on your account. Bill Pay is a secure site connection that prevents any outside parties from viewing transaction information. Any data that is transferred between locations is also made over secure connections utilizing data encryption, and all account information is kept behind a firewall to prevent any outside access. Back to top A47: Always have the funds available in your account on your processing date. Funds can be withdrawn from your account as early as the processing date. If the funds are not available the bill payment will not be paid and your account will be charged NSF or Overdraft charges. Back to top A48: You can schedule a single payment for up to 90 days in advance. Back to top A49: Contact a Mid-Central representative with any questions you may have. Back to top A50: To make sure no payments are missed or duplicated while you’re taking over bill payment yourself, you will first need to delete any pending scheduled payments. Then contact a Mid-Central representative to cancel your Electronic Bill Pay Service. Back to top

PC Banking and Web Bill Pay FAQs

PC Banking Questions

Security Questions

Transferring Funds Questions

Paying Loans Questions

Bill Pay Questions

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