Getting Started
Accounts
Transfers
Administration
e-Statements
OnLine Bill Pay
Technical and Security
Miscellaneous
What does INTRUST Personal OnLine Banking enable me to do?
With INTRUST Personal OnLine Banking, you can manage your INTRUST accounts online
anytime and use the Internet to do virtually anything you can do in person at an
INTRUST branch.
- Check your balances. View real-time balances for your INTRUST deposit accounts,
credit cards and personal loans(1). Running balances
enable you to follow your balances with each transaction.
- Monitor account activity. See the details or conduct searches of the transactions
that have occurred on your accounts. Sorting and filtering enables you to create
flexible views of your transactions and categorize them to track expenses and quickly
look up specific items.
- Transfer funds. Schedule transfers, including future-dated transfers, between
INTRUST accounts at a frequency you select; keep tabs on pending transfers.
- Order checks. Review your last check order, then place the same order or
select a new style. See how your checks will look before you order.
- Stop payments. Place a stop payment on a check that has not cleared your
account; review history for each stop check request.
- Make credit card payments. Pay your INTRUST credit card and your payment
can post the same day.
- Create alerts. Set up e-mail alerts to notify you when an account balance
reaches a designated amount, when a transfer is complete, when a check clears or
when a time deposit (CD) matures.
- View statements and check images. Download your monthly statements and view
check images.
- Open accounts. Review the variety of accounts offered, and then open an account
by completing the application online.
- Communicate with customer service. From within the service, send secure messages
to and receive secure messages from INTRUST Internet Support.
- Pay your bills. Add OnLine Bill Pay
and enjoy even greater convenience. Pay your bills online - at the same time and
place that you're already managing your INTRUST accounts.
- And more!
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Which accounts can I manage using INTRUST Personal OnLine Banking?
OnLine Banking provides you with
secure,
unlimited online access to your INTRUST checking accounts, savings accounts, time
deposits (CDs), IRAs, credit cards and personal loans.
Note: If you have just one INTRUST credit card and no other accounts with INTRUST,
please enroll your credit card at
www.intrustcreditcard.com.
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May I use INTRUST Personal OnLine Banking to manage my business
accounts?
No. INTRUST offers other online banking services to manage your business accounts.
Contact INTRUST OnLine Services Support
for information about these services.
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Is there a fee for INTRUST Personal OnLine Banking?
OnLine Banking is absolutely FREE!
Fees may
apply for OnLine Bill Pay if you add it, but customers with most checking accounts
will receive OnLine Bill Pay FREE of charge (including 20 payments each month).
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I noticed that OnLine Bill Pay is integrated into INTRUST Personal
OnLine Banking. If I enroll in OnLine Banking, will I be enrolled automatically
for OnLine Bill Pay as well?
No. OnLine Bill Pay is optional. Because
fees
may apply, you're required to enroll for OnLine Bill Pay separately. You may enroll
for OnLine Bill Pay during OnLine Banking enrollment, or you can add OnLine Bill
Pay at any time by clicking the "Make Payments" link from the top navigation panel
within OnLine Banking.
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I'm ready to enroll. What do I need?
The information you need depends on the type of account you plan to enroll with.
Generally, you'll need to gather your most recent INTRUST statement and be prepared
to provide your Social Security Number and e-mail address. Your PIN will be requested
if you plan to enroll with an ATM/check card. During enrollment, you'll select a
user ID and password.
Enroll now.
Note: If you have just one INTRUST credit card and no other accounts with INTRUST,
please enroll your credit card at
www.intrustcreditcard.com.
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What are the user ID and password requirements?
Your User ID:
- Should not reveal personal information
- Must contain between 8 and 32 characters
- Must contain at least 2 alpha and 2 numeric characters
- May not contain special characters
Your Password:
- Cannot be the same as your User ID
- Must contain between 6 and 32 characters
- Must contain at least 1 alpha and 1 numeric character
- Is case sensitive
- May not contain special characters
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How long after I complete INTRUST Personal OnLine Banking enrollment
will it take before I can access my accounts?
Although you will have the ability to view account summary information immediately
following a successful enrollment, you will not have the ability to transfer funds
between accounts for up to two business days. A successful enrollment occurs if
the information you enter during enrollment matches your information we have on
file. If an enrollment is unsuccessful, an INTRUST Internet Specialist will contact
you by e-mail within one business day.
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Where do I go to login to INTRUST Personal OnLine Banking?
Once you've enrolled in OnLine Banking and you're ready to begin accessing your
accounts online, visit www.intrustbank.com and select “Personal OnLine Banking”
in the “Log in to:” drop-down menu on the left side of the Personal Banking Home
page.
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Who do I contact with questions about INTRUST Personal OnLine
Banking?
If you can't locate the answer to your question in one of the detailed OnLine Banking
help screens or in our list of frequently-asked questions, our friendly and knowledgeable
INTRUST Internet Specialists are eager to assist you Monday through Friday 7 a.m.
to 9 p.m. and Saturday 8 a.m. to 6 p.m.
Call OnLine Services Support, or use the Message Center from within OnLine
Banking to send secure e-mails to Internet Specialists.
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Will my ATM transactions or debit card purchases immediately reflect
in my INTRUST Personal OnLine Banking balance?
Unprocessed ATM and debit card transactions may not be reflected in your balance.
You may have issued some checks, have additional purchases or made additional transactions
which are not reflected in your balance. For example, it is possible that you may
purchase something with your check card on Monday, and it may not reflect in OnLine
Banking until Tuesday, Wednesday or even Thursday, depending on the time of the
purchase. A portion of your balance may not be available for immediate withdrawal.
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Is there a limit to the number of transactions that display in INTRUST
Personal OnLine Banking at one time?
OnLine Banking supports as many as 3,000 transactions within a 30-day transaction
history.
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Is there a dollar limit to the amount of transactions INTRUST Personal
OnLine Banking will allow?
Make deposits and withdrawals up to $9,999 each and up to $20,000 total each day.
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Why isn't my account appearing on the Account Summary screen?
The Account Summary screen displays accounts which you're listed as an owner. If
you are an owner and don't see your account, please
contact INTRUST OnLine Services Support. Similarly, if you're a trustee
or if you have power of attorney and need online access to an account of which you're
not an owner,
contact INTRUST OnLine Services
Support.
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Can I download .QIF files to Quicken?
Quicken versions 2005 and newer will not support .QIF download. To learn about another
download option, a .CSV file, please
contact
INTRUST OnLine Services Support.
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When my spouse logs in to Personal OnLine Banking, why doesn't he/she
see the nicknames or account order I've assigned to our accounts?
Account preferences, such as nicknames and the order of accounts, are tied to login
profiles. If you and your spouse share a joint account and each of you has your
own user ID and password, each of you is entitled to designate your own account
preferences.
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What is the cut-off time for placing stop check requests?
To find out the cut-off time for placing stop check requests, please refer to our
Deposit Agreement.
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What does the "stop check request" screen enable me to do?
The “Stop Check Request” screen enables you to request a stop payment on either
a specific "physical" check (one that has been signed by you) that has not cleared
your account or a range of consecutively numbered physical checks which have not
cleared your account. You may not use this screen to stop payments 1) initiated
through OnLine Bill Pay, 2) that have been “called in,” even if the next check number
was given over the phone, 3) that have been automatically debited from your account,
or 4) that have been made using your INTRUST Visa Check Card.
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Is there any limit to the dollar amount of a stop payment?
There is no minimum or maximum dollar amount limit. It's up to you to decide if
placing a stop payment on a check is worth the fee you will incur as a result of
making the request.
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Do stop check requests placed outside of INTRUST Personal OnLine
Banking appear online?
Yes, in OnLine Banking you will see stop check requests placed both online and offline.
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My checking account provides me with certain checks at no charge.
Why does the system show an amount due for my order?
Online check reorder does not calculate waived charges. The charge debited from
your account, however, will include the proper discount. Your no-charge checks can
be found in the "INTRUST Exclusives" design category.
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How long after ordering my checks through INTRUST Personal OnLine
Banking will it take to receive my checks?
A typical check order will arrive 7-10 days after the order has been placed. Faster
shipping methods are available for an additional fee.
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If I open a new INTRUST account, when will it appear in INTRUST
Personal OnLine Banking?
If you're already enrolled in OnLine Banking, your new account will appear within
one business day.
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I just enrolled in Personal OnLine Banking. When will I be able
to transfer funds?
Although you will have the ability to view account summary information immediately
following a successful enrollment, you will not have the ability to transfer funds
between accounts for up to two business days.
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What are the cut-off times for the various transfer frequencies?
- One-time transfers: Transfers to deposit accounts using today's date are immediately
reflected in your account balances online and at ATMs. To pay items processed against
your account overnight, and to avoid possible overdraft or insufficient funds fees,
transfers must be sent before 10 p.m. Central Time.
- Repeating transfers: Transfers you schedule for today in a repeating transfer series
will be processed the next business day. Future-dated transfers will be available
to pay items processed against your account overnight as of the transfer date you
select.
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Regarding recurring transfers, how are the frequencies defined?
If you select a start date of Tuesday, October 5:
- Weekly, the transfer would occur the following Tuesday
- Bi-weekly, the transfer would occur every other Tuesday
- Twice a month, the transfer would occur every 14 days
- Monthly, the transfer would occur the 5th of every month
- Quarterly, the transfer would occur 3 months from October 5
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How far ahead can I schedule a transfer?
You may schedule a transfer as many as 364 days from the current date.
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What is the maximum dollar amount that I can transfer?
Transfer funds up to $10 million.
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Can I change my user ID and password?
Yes, you can change your user ID and password from the "Customer Service" link on
the top navigation panel within INTRUST Personal OnLine Banking.
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What if I forget my user ID or password?
If you forget your user ID or password, please
contact INTRUST OnLine Services Support.
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How many times can I change my user ID and password from within
INTRUST Personal OnLine Banking?
Change your password from within INTRUST Personal OnLine Banking as often as you'd
like. However, you can only change your user ID one time from within Personal OnLine
Banking. If you wish to change your user ID a second time, you must
contact INTRUST OnLine Services Support to effect the change.
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Are alerts sent in real-time?
No, alerts are sent the morning of the next business day.
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Can I download OnLine Banking Categories to Quicken or Money Categories?
No, the two Categories are not connected.
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What is “e-Statements?”
e-Statements, a FREE feature of INTRUST Personal OnLine Banking, offers electronic
access to your account statements. e-Statements look just like the statements you’re
accustomed to receiving in the mail. When you activate e-Statements, you can elect
to go paperless and ‘turn off’ mailed statements to be environmentally responsible,
to reduce clutter and to reduce your risk for identity fraud.
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If I elect to go paperless and discontinue my mailed statements,
can I ever resume mailed statements again if I change my mind?
Yes, you can change your deliver preference (online or online & paper) at any time
by clicking the appropriate link on the Statements page.
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How do I activate e-Statements?
To activate e-Statements, simply click the “Statements” link after you’ve logged
into OnLine Banking. You’ll be asked to specify the delivery method for each of
your eligible accounts – either ‘online’ or ‘online & paper’. With either delivery
method, you must agree to the terms of the service and click the ‘Submit’ button
before you’re given access to your online statements.
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Which account types will be accessible via e-Statements?
Access e-Statements for checking, savings, money market and time deposit (CD) accounts.
If one of your account types isn’t eligible, you’ll continue to receive paper statements
by mail.
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Will my deposit and check images be included in my e-Statement?
If your paper statement includes deposit and check images, your deposit and check
images will be included in your e-Statement.
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How will I know when a new statement is ready to be viewed?
Each time a new statement is ready to be viewed, you’ll receive an e-mail notification
from the e-mail address eStatement@intrustbank.com. You will also receive a notification
in your OnLine Banking message inbox.
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How do I update my e-mail address for e-Statements?
Because e-mails are generated to notify you when your statements are available,
it’s important for your e-mail address within OnLine Banking to be up to date. To
ensure that your e-mail address is correct, go to the “Customer Service” tab within
OnLine Banking and click the “change your e-mail address” link.
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Why won’t the window open when I click the statement date?
Your statement will open in a new browser window that is considered a pop-up, and
a pop-up blocker will block the new window from displaying. Try changing your pop-up
blocker settings to allow pop-ups or to allow the statement site.
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What does OnLine Bill Pay enable me to do?
When you activate OnLine Bill Pay, you'll save valuable time. You can pay bills
and access your INTRUST account information with just one user ID and password,
and instead of writing checks, buying stamps and making trips to the post office,
you can securely pay your bills online anytime to virtually anyone. What's more,
INTRUST
guarantees that your bill
payments will be sent on time and for the dollar amounts you specify.
- Manage your payees. Send bill payments to any company that sends you a bill
or any person or organization, such as a friend or charity, you wish to send a payment.
Assign categories to each payee to make it easier to track expenses.
- Manage your bill payments. Pay one bill or multiple bills from one screen.
Flexible scheduling options enable you to schedule your bill payments to occur one
time or to repeat, to begin processing today or in the future. Keep tabs on pending
payments and edit or cancel payments if necessary.
- Pay your bills from multiple funding accounts. Select more than one INTRUST
checking account from which to pay bills.
- Generate reports. Customize reports from a variety of criteria to quickly
look up specific payments.
- And more!
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Which account(s) can I use to pay bills?
Pay your bills from any INTRUST checking account. As many as 99 accounts can be
established to fund your bill payments.
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Is there a fee for OnLine Bill Pay?
OnLine Bill Pay is optional.
Fees may apply
for OnLine Bill Pay, but customers with most checking accounts will receive OnLine
Bill Pay FREE of charge (including 20 payments each month).
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How long after OnLine Bill Pay enrollment will it take before
I can begin paying bills?
After you start your OnLine Bill Pay enrollment online, an INTRUST Internet Specialist
will contact you within one business day to let you know that your enrollment is
complete. Once your enrollment is complete, you will be able to access Bill Pay,
but please allow one business day before you're able to begin making payments.
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How do I enroll in OnLine Bill Pay?
You will be given the opportunity to enroll in OnLine Bill Pay when you enroll in
OnLine Banking. If you choose not to enroll in OnLine Bill Pay at that time, you
can activate OnLine Bill Pay at any time by clicking the "Make Payments" link from
the top navigation panel within OnLine Banking.
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Who can I pay with OnLine Bill Pay?
Send bill payments to any company that sends you a bill or any person or organization,
such as a friend or charity, you wish to send a payment. You can use OnLine Bill
Pay from anywhere, but payees must be within the United States. You may use OnLine
Bill Pay to pay government fees (such as taxes) or court-directed obligations (such
as alimony or child support). However, we have a limited ability to research any
issues arising from such payments and, therefore, will not be held responsible for
any late fees or penalties incurred from them. A maximum of 4,999 payees may be
set up.
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Do I need to contact my payees to tell them I am using OnLine
Bill Pay?
No. Your payees do not need to do anything different to process online bill payments.
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How do I edit or delete payees?
Only a payee's amount, account number and payment status may be changed. From the
"My Payee" screen, click on the payee that you would like to change. From the next
screen, click the "Change Information" link. For any other changes, delete the payee
and re-add it with the correct information. To delete a payee - and cancel all scheduled
payments for the payee - access the "My Payee" screen, click on the payee that you
would like to delete, and then click "Delete."
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How should I schedule my bill payments to make sure they reach
my payees on time?
A "send on" date that you select will be the date your account will be debited for
payment and your payment will begin processing for presentment to your payees. Three
to five business days following the "send on" date, your payees will receive your
payments. When a scheduled payment falls on a holiday or weekend, the payment will
be deducted from your account the first business day after the holiday or weekend.
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How do holidays affect my scheduled bill payments?
When a scheduled payment falls on a holiday or weekend, the payment will be deducted
from your account the first business day after the holiday or weekend.
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When are bill payments debited from my account?
Your account will be debited on a "send on" date that you select. Your payees will
receive your payments three to five business days following the "send on" date.
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What form of payment do my payees receive?
Your bill payments will be remitted electronically or via paper check. With either
form, the payment is provided with the information you have provided, such as your
name and account number, so the payee can properly credit your payment.
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How far in advance can I schedule bill payments?
Schedule a one-time future payment up to 364 days in advance.
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Are there limits to the dollar amount of each bill payment?
Per item minimum is $0.01; per item maximum is $9,999.99.
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How late in the day can I enter, change or delete a bill payment?
Cut-off time is 8 p.m. Central. Any new payments entered by the cut-off time will
be accepted to begin processing that day, unless they are future dated. Payments
entered after the cut-off time will begin processing the next business day. As long
as a payment is still pending, changes can be made. Once a payment has been transmitted,
you can no longer make changes to or delete it.
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Can I place a stop payment on a bill payment?
You yourself cannot place a stop payment on a bill payment. To find out if one of
your bill payments may be stopped,
contact
INTRUST OnLine Services Support.
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Why do I receive an error message when I try to make multiple
bill payments to the same person?
To prevent duplicate payments, you're prevented from submitting more than one payment
for the same amount, to the same payee, on the same date. If necessary, please try
your payment again the next business day or change the amount of your payment.
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How do I access past bill payment information?
You will be able to view up to 60 days of bill payment history from within OnLine
Bill Pay. To access past payment history, click the "Reports" link from the left
navigation panel. Transaction history is also available via your online statements,
which will remain online for at least two years.
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Which account will my OnLine Bill Pay fees be debited from?
When you enroll in OnLine Bill Pay, you will select an INTRUST checking account
from which to pay your bills. This funding account will also be the account from
which your OnLine Bill Pay fees will be debited.
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What if my bill payment is not received?
If you receive notification that your bill payment was not received, please
contact INTRUST OnLine Services Support immediately so that we can research
it. Our
On-Time Payment Guarantee
communicates our commitment to ensuring that your payments reach your payees on
time and for the dollar amounts you specify.
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What if I want to cancel my OnLine Bill Pay service?
If you wish to cancel your OnLine Bill Pay service, you must
contact INTRUST OnLine Services Support.
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What are the browser and system requirements for using INTRUST
Personal OnLine Banking?
OnLine Banking has been optimized to run on a fairly standard platform compatible
with the Windows and Macintosh operating systems using an Internet Explorer, Firefox
or Safari browser. For more detailed specifications,
contact INTRUST OnLine Services Support.
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When does Personal OnLine Banking undergo routine maintenance?
Routine maintenance is necessary to keep Personal OnLine Banking operating at its
peak. In order to minimize the impact to you, OnLine Banking will be unavailable
for electronic banking and bill payment from 2:00 a.m. to 6:00 a.m. on Sundays.
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How secure is my account information in INTRUST Personal OnLine
Banking?
Protecting the privacy and security of your confidential account information is
our top priority. Your account information is protected by a user ID and password
that only you know, and you can change your password as often as once a day. Plus,
after three consecutive failed password attempts, you will be locked out of OnLine
Banking and must
contact INTRUST OnLine Services
Support to reset your password. For additional security, it's important
that you always log out at the end of your OnLine Banking session, especially if
you share a computer. If you forget to logout, INTRUST will end your session automatically
after ten minutes of inactivity.
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How secure is INTRUST Personal OnLine Banking?
INTRUST has taken dramatic steps to ensure the security of INTRUST Personal OnLine
Banking. We offer a 100% security guarantee. Our
Security Guarantee communicates our commitment to providing a secure environment
in which you can take full advantage of our convenient banking technology without
anyone taking advantage of you.
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Is e-mail sent through OnLine Banking secure?
Yes, when you're logged in to OnLine Banking and you use the "Contact us" link (via
the "Customer Service" link from the top navigation panel), your e-mail message
is sent over a dedicated, secure line to INTRUST, so it's safe to include sensitive
information like account numbers.
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What are "aggregation services" and should I use one?
An aggregation service ("screen scraper") collects your online account information
from various Internet sources and consolidates it in one place. Whether or not to
use an aggregation service is a personal decision requiring careful review of the
risks and service provider. Since your confidential user ID, password and account
information will be stored with the service provider, it is essential that you have
confidence in the service provider's level of security, privacy policy and user
agreement.
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(1) Unprocessed ATM and debit card transactions may not be reflected
in your balance. You may have issued some checks, have additional purchases or made
additional transactions which are not reflected in your balance. A portion of your
balance may not be available for immediate withdrawal.
Enrolling and getting started is easy and quick.
If you successfully enroll in INTRUST Personal OnLine Banking with a checking account,
savings account, ATM/check card, money market account or loan, answer a few questions
so that we may verify your identity and you'll be given immediate access to your
accounts online. If you successfully enroll with a line of credit, time deposit
(CD) or credit card, you'll be given access to your INTRUST accounts online within
one business day.
Enroll now!
Note: If you have just one INTRUST credit card and no other accounts with INTRUST,
please enroll your credit card at
www.intrustcreditcard.com
and enjoy instant access to your account information immediately upon enrollment.