The Park Avenue Bank Online Banking User Guide
To help you better navigate the Online Banking product, we have outlined the important information you'll need to get you started.
The Park Avenue Bank Online Banking
Getting Started
In order to begin using Online Banking, we will need to provide you with a personal ID and PIN number. To receive this information, please complete an Online Banking Application, which can be accessed by clicking on the "Sign Up" button located on our website homepage. Just fill out the requested information and submit the application electronically.
Once we receive the completed application, we will notify you by letter on how to start using The Park Avenue Bank Online Banking.
Accessing The Park Avenue Bank Online Banking
To begin your online banking, just visit the homepage of The Park Avenue Bank website. You can sign on by entering your Customer ID and Personal Identification Number (PIN), click on "Login" and begin accessing The Park Avenue Bank's Online Banking Services. Your Internet/Web browser must support the Secure Sockets Layer (SSL) of 128-bits, capable of, and configured to accept "cookies". We recommend the latest version of Netscape Navigator or Internet Explorer.
The Park Avenue Bank Online Banking Customer ID
The Park Avenue Bank will assign a customer ID number. This number is issued randomly by the system, but you will have the option to change your ID to an alias after your initial login. However, once you have successfully logged in, you can create an alias for your ID number that is easier to remember. The alias is required to start with a letter, may consist of any combination of letters and numbers and must be between one and 12 characters in length with no spaces or special characters. All ID's are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID. When you log in, you may use either your assigned customer ID number or your new alias.
To change your assigned customer ID to an alias:
- Click on the "Options" tab
- In the box to the right of your current Personal ID, enter in your new ID (alias)
- Click on the "Submit" button
The Park Avenue Bank Online PIN (password)
A temporary PIN will be issued to you for your first log-in. After your first successful log-in, you will be prompted to change your PIN (password). Your PIN can be any 6-8 alphanumeric combination. PIN and password are both used to describe your personal identification to our system. If you ever forget your PIN (password), contact the bank and we can reset it for you. You will be prompted to change your PIN (password) upon your first successful sign-on. For security reasons, we also require you to change your PIN (password) every 180 days.
To change your PIN (password):
- Click on the "Options" tab
- In the box to the right of your current Personal ID, enter in your current PIN (password)
- Enter in your new PIN (password) twice
- Click on the "Submit" button
Note: Each customer is allowed three sign-on attempts. After the third invalid attempt, the system will lock you out and you will need to contact the bank to reset your PIN (password).
Account Listing (main page)
The "Account Listing" (main) page is the first page you will see after you login. As a security measure, the system will show the last time you logged in and the total number of times you have logged in. This information is listed under the Customer Summary Information, located at the bottom of this page.
To reset your login count:
- Click on the "Options" tab
- Click on the "Reset Login Count"
- A system message will appear "Your login count has been reset"
A listing of your account(s) accessible through The Park Avenue Bank Online Banking Service will be displayed along with the balance and the status of your account(s). Initial account names are based on default system account descriptions. However, you can personalize the descriptions of your account(s), by changing these default names to a pseudo name.
The change the default account(s) name:
- Click on the "Options" tab
- Select the "Accounts" tab
- To the right of your account(s) enter in your new pseudo name
- Click on the "Submit" button
You may select how many accounts you want displayed and what order they are displayed.
To change the number of accounts displayed:
- Click on the "Options" tab
- Select the "Accounts" tab and scroll down to the bottom of the page
- To the right of the Number of Accounts Displayed, enter in the number of your accounts you want displayed
- Click on the "Submit" button
To change the display order of your accounts:
- Click on the "Options" tab
- Select the "Accounts" tab and scroll down to the bottom of the page
- To the right of the Account Display order, click (highlighted) the account you want to move
- Click on the up and down arrows to move the account where you want it displayed
- Click on the "Submit" button
To the right of each account is a drop-down menu with the list of activities available for each account. Some account options may not be available or may require additional fees.
Viewing Account Information
From the Account Listing (main page), select "Transactions" from the "Select Activity" drop-down menu located on the right side of the screen. This will allow you to view transactions that have posted to the account since your last statement. Click on the column headings to change the order in which transactions are displayed. If sorting by any column other than "Date", the running balance column will not be shown. You will see your online transactions post to your account throughout the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use your Visa Check Card, use the ATM or transfer funds between accounts, your available balance will be updated to reflect that activity. Most activity at branches will not show on your account(s) until the next business day.
To view other transactions, use the "View Transactions Since" drop-down menu. Here you can view transactions for the last 7 days, 15 days, 30 days, last statement or search transactions.
To change the default of how much of your information is displayed:
- Click on the "Options" tab
- Select the "Display" tab
- Under "Select Default" choose the option(s) you would like your data displayed
- Click on the "Submit" button
Download Transactions
Online Banking provides you with the option to download account transactions into your money management software. From the Account Listing (main) page, select "Download" from the account drop-down menu or click on the "Statement" tab if shown on the tool bar.
To Download Transactions, do the following:
- Under the "Select Download For" choose the account you would like to download transactions from by selecting it from the drop-down menu.
- Select the range of transactions to download
- Select a format for the type of software you are downloading to
- Click on the "Submit" button
- The next page will give additional instructions on saving the file
Click on the link at the bottom of the page to complete the download.
Statements
From the Account Listing (main) page select "Statements" from the account drop-down menu or click on the "Statements" tab if shown on the toolbar.
To View Statement Information:
- Under "View Statements/Notices for" choose the account you would like to view statement information on by selecting it from the drop-down menu.
- Under "View Details" choose the format you would like to view the statement in by selecting it from the drop-down menu.
Stop Payments
From the Account Listing (main), select "Stop Payments" from the account drop-down bar menu or click on the "Stop Payments" tab if shown on the tool bar. On the Stop Payment page, you may stop payment to a single Payee.
To create a stop payment:
- Click on the "Add Stop Payment" button
- Enter the check date, the check number and the exact amount of the check.
- Enter in the Payee of the check
- You may key in information concerning the stop payment under the remark lines
- Click on the "Submit" button
- You will receive a confirmation that your request has been submitted through The Park Avenue Bank Online Banking
Please print, sign and return a copy of this request to a customer service representative at The Park Avenue Bank. Customers are responsible for Stop Payments verifying that checks have not already been paid during prior statement periods. We are unable to stop payments on checks we've already received and paid.
After the written stop payment notice is signed and received by The Park Avenue Bank, your stop payment order is valid for six months and will not be effective after six months, unless the stop payment is renewed in writing.
Funds Transfers
From the Account Listing (main) page select "Transfers" from the drop-down menu or click on the "Transfer" tab if shown on the tool bar.
To initiate a Funds transfer between accounts:
- Click on the drop-down menu to select the account to transfer the funds from
- Click on the drop-down menu to select the account you want to transfer the funds to
- In the "Account to transfer" box, enter the amount, including cents that you would like to transfer. If you do not put in the cents, it will assume that you wants an even dollar amount.
- The "Frequency" default is "One Time" for a transfer. If you wish to make the transfer a recurring scheduled transfer, from the drop-down menu, select the option of weekly, bi-weekly, semi-monthly or monthly. The weekday, start date and ending date fields are required or recurring transfers.
- Click on the "Submit" button
- After you complete the transfer, a page displaying the information about the transfer and a confirmation number will appear. You may print this page for your records.
All same day transfers made Monday through Friday before 4:30 p.m. (EST) will show in your account immediately. All transfers made on a weekend, bank holiday, scheduled or requested after 4:30 p.m. (EST) will be processed one (1) business day later.
Prior Day
From the Account Listing (main) page select "Prior Day" from the account drop down menu or click on the "Prior Day" tab if shown on the tool bar. The page contains your prior day information.
Alerts
This option allows you to establish four types of alerts that you may choose from. The balance alert will let you know when an account goes above or below a certain amount that you specify. You can also be alerted when certain check numbers clear through the account by using the item alert. The event alert can be used to notify you of incoming and outgoing ACHs, incoming wire transfers, matured loans and CDs. You can use the personal alert to set personal reminders for yourself. The alerts will be posted to your Online Banking when you sign in and will be displayed on the Account Listing (main) page.
To Create an Alert:
- Click on the "Options" tab
- Select the "Alerts" tab
- To the right of the available alert options choose the type of alert you wish to create then click on it.
- Enter in the information to create the alert
- Click on the "Submit" button
- You will receive a message that the alert has been saved.
The Park Avenue Bank Online Bill Pay
Online Bill Pay from The Park Avenue Bank allows you to pay bills electronically or via check. If we are able to send the bill electronically, then your account will be debited when the payment is made. If not, then the payment will be made by check and you will not be debited until the check clears your account, in the same way as the checks that you write.
Accessing Online Bill Pay
From any Park Avenue Bank Online page, click the option for "Bill Payer".
Designate Checking Account(s)
In order to utilize The Park Avenue Bank Online Bill Pay service you must designate a Checking Account(s) that the payments will be made from.
To Designate a Checking Account
- Click the drop-down button to the right of Select Account
- If you only have one checking account, click the "Submit" button
- If you have more than one checking account, choose the account that the payments will be made from, then click on the "Submit" button
- A system message will appear stating the account was successfully designated. Click the "Submit" button
Acknowledge Service Charge Information
- The last page displays service charges, if applicable
Select left-most digit for Bill Payer Check Numbers for the payments that will be made by check
- The default is 1. You may change the default by selecting the drop-down button and choosing a different number
- To continue click the Accept button
In order to start using The Park Avenue Bank Online Bill Pay you must set up your Payee(s) first.
Setting Up Payees
You must search for payee before entering a new payee. Follow the instructions listed below.
- Select the "Payees" tab
- Click on the "Add Payee" button, located on the right of the page
- Enter the name of the payee you want to add
- Enter the state of the payee (optional)
- Click on the "Submit" button
- If the payee is an Electronic Payee, Bill Payer will show you a list of possible Payees that match your search criteria. A number of vendors have payments made to multiple addresses. Look for an exact match based upon the payment coupon you typically receive from the vendor. If your payee is listed, click on it to select it. If you do not find a match for your Payee, go to "None of the results above are my Payee" - Click Here. This will allow you to create the Payee as a check payee
- Next to the Payee Alias you can create an optional alias name for your Payee that is easier for you to remember
- Enter in your Payee's account number. (On an Electronic Payee, if the account number does not match the required format of the Payee, a message will display with an option to set up as a check payee) Note: Your account number is your account number with the Payee, not your Gardiner Savings account number
- Enter in the Payee's Address in the Address fields (Some Electronic Payee Address information may already be filled in for you automatically)
- Enter in the City of the Payee
- Enter in the State of the Payee
- Enter in the Zip Code of the Payee
- Enter in the Phone Number, including the Area Code of the Payee
- Verify your Payee information
- Click on the "Submit" button
Reminder: Most electronic payments are received by the vendor's financial institution the next day and most check payments are received within 5 days. However, we recommend that you allow 3 to 5 business days for electronic payments and 7 to 10 business days for check payments when you make your first payments online. After you determine when the vendors actually receive the payment and credit your account, you can adjust the payment schedule accordingly to reflect the actual number of days that each individual payment takes.
Setting up Payments
There are two available options for setting up a payment(s):
- Choose the "Add Payment" tab to set up a recurring payment.
- Choose the "Quick Payment" tab to set up multiple one-time payments.
Add Payment Tab
For recurring payments: From the drop-down menus, select the account from which the bill will be paid and the payee. Enter the dollar amount of the payment and any memo information (memo information is transmitted with Check payments only). Choose the frequency of the payment. Enter the expiration date of the payment and whether or not the amount is different for each payment. When the payment information is complete, click on the Submit button.
Quick Payment Tab
For Quick Payments: Choose the payee(s) you want to pay and click submit. Enter the payment date, memo, from account and amount. When the payment information is complete, click on the Submit button.
View, Edit or Deleting a Payment
Once you submit a payment(s), they will appear in the "Main" tab of Bill Payer. You may view, edit, or delete a payment up to 3:00 a.m. EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 a.m. EST and 1:00 p.m. EST it may be edited up until 1:00 p.m. EST.
To View a Scheduled Payment:
- Select the "Main" tab under Bill Pay
- Find the payment you wish to view
- To the right of the payment click on View
- Under the view option you can view the payment details
- When finished click on the "Close" button
To Edit a Scheduled Payment:
- Select the "Main" tab under Bill Pay
- Find the payment you wish to edit
- To the right of the payment click on Edit
- You cannot edit Payee information from this page. See Deleting or Editing a Payee to edit the Payee information
- Click on the "Submit" button to save the changes
To Delete a Scheduled Payment:
- Select the "Main" tab under Bill Pay
- Find the payment you wish to delete
- To the right of the payment click on "Delete"
- You cannot edit Payee information from this page. See Deleting or Editing a Payee to edit the Payee information
- Confirm the deletion by clicking on the "Delete" button
Deleting of Editing a Payee:
- Select the "Payees" tab under Bill Pay
- A listing of all payees will be displayed. From this list you may click on Delete, unless there is a payment pending for that payee
- From the same screen you may also click on Edit. This will allow you to edit or correct the account number and the description previously entered
- To edit the spelling of a Payee name, or the Payee's address, of an established Payee in Bill Pay, you must delete the Payee from your Payee list and enter the correct information by selecting the Add Payee button
View Payment History
Select the "History" tab under Bill Pay. Payments made in the last 15 days will display by default. To view more history, click on the drop down menu beside "View Payment History for" and enter the option you choose.
