FREEDOM BANKING FAQs
What is Freedom Banking? Freedom Banking is a real-time online system that allows our customers a secure and convenient way to access their Branson Bank accounts via the internet.
Do I have to register to use Freedom Banking? Yes. You can complete an online application and fill it out at home, but it must be brought into any location to process.
How secure is Freedom Banking? State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on the Freedom Banking system. However, if you feel your information has been jeopardized in any way, please contact our office immediately.
What happens if I forget or lose my ID or PIN? If you lose/forget your ID or PIN, you may call Customer Service and with proper verification, your ID and PIN will be restored or reset. Also, if you are traveling outside to certain areas and you do not use a pin number, your debit card may not work.
What do I do if it says "Your Account is Currently Locked Out" when I am attempting to log in to my account? As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect PIN being entered several times in a row. If your account is locked, please call Branson Bank at 417-334-9696 during regular business hours. Upon proper identification, we will be happy to unlock the account and reset the PIN. For your security, we require proper identification prior to unlocking your account and/or resetting your PIN.
What happens if I don't log off the system? Freedom Banking has a 10-minute time out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and PIN.
What does the download feature do? The download option allows you to download your transactions and/or payment schedule (Bill Pay users) into spreadsheet or word processing programs and Microsoft Money.
When viewing my current transactions, why do I see electronic transactions and Net Teller transfers duplicated? You may see the electronic transactions, which include Net Teller transfers, twice during the bank's "end-of-day processing." End-of-day processing is required for your transactions to be updated. This process begins each banking evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day.
How long are statements retained? Three (3) months.
Do I need Anitivirus software? Yes, we strongly recommend you having antivirus protection and make sure that it is kept updated and working properly before entering online banking.
BILL PAY FAQs
Whom can I pay through Freedom Bill Payment?You can pay anyone in the United States, from the next door neighbor, to the utility company, and even a child in college across the country. Once you have set up the vendor/merchant, you can look at the VIEW PAYEES LIST screen and the payee type will tell you if it is an electronic payment or check.
When will the money be taken out of my account?Electronic payments are deducted from your account on the payment date. Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself.
What if I do not have enough money in my account?Your bank will treat bill payment items just like any other check that you write.
How late in the day can I enter, edit, or delete a payment?Bill Payments are processed at 2:00 am CST and 12:00 p.m. (noon) CST on the scheduled payment date. Payments entered after noon will be processed the following day.
What happens if I have a scheduled payment that falls over a weekend of holiday?Scheduled payments that fall over a weekend will be processed on Friday at noon, CST. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on Monday. Holiday processing is done the day before the holiday.
Can I stop a payment?Yes, directly from your system
Are there any merchants that I cannot pay through the bill payment service?Yes. You cannot pay any government agencies.
Can I use Freedom Bill Payment if I live outside the United States?Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.
Can I get a copy of a cancelled check?You can view and print copies of your cancelled checks for up to 30 days at your own computer at no additional cost to you. You may request a copy through Customer Service. However, there may be a fee associated with this service.
How long is history retained in the VIEW PAYMENT HISTORY section?Payment History records are kept indefinitely.
What happens if I lose or forget my ID or PIN?If you lose/forget your ID or PIN, you may call Customer Service and with proper verification, your ID and PIN will be given to you.
How many payees may I have set up?There is no limit to the amount of payees you can set up through the system.
What are the fees associated with Freedom Bill Payment?Currently there are no fees.
Do I need to have "Cookies" enabled to use Freedom Banking?Yes, your browser must accept "Cookies" to utilize this service.
What happens if I don't log off of the system?Net Teller has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using Net Teller, you will have to log in again to resume banking.
What happens if I forget my Net Teller PIN?You are allowed several attempts to enter your PIN. If unsuccessful, you will be locked out of Net Teller for a 24-hour time period. This period begins from the time you were unsuccessful. After the 24-hour period, you may attempt to log in again.