Ballston Spa National Bank (BSNB) offers a comprehensive online banking platform for convenient and secure account management. This guide addresses frequently asked questions about BSNB’s online banking services, from security measures to transferring funds and managing your account.
Security
BSNB employs a multi-layered security approach to protect your financial information. The bank utilizes encryption, authentication, and automatic time-outs to safeguard your online banking sessions. All sessions are encrypted with 128-bit encryption, ensuring your data remains confidential during transmission. Look for “https://” in the URL and a padlock icon in your browser to confirm a secure connection. BSNB recommends using updated browsers like Mozilla Firefox, Google Chrome, or Microsoft Edge for optimal security. Regularly scanning your computer for malware and using anti-virus software is crucial to prevent unauthorized access to your account.
Getting Started with BSNB Online Banking
BSNB’s online banking platform supports most modern browsers. You can access a range of accounts, including checking, savings, money market, CDs, IRAs, and loans. If you see a red message notice on your online banking page, it indicates an unread urgent message that requires your attention. You can personalize your access ID and change it anytime through the Profile Settings. For browser compatibility questions, contact BSNB customer service.
Account Summary and Detail
BSNB’s online banking provides a clear overview of your account activity and details. Easily switch between accounts using the left-hand drop-down menu. Understand the difference between “Activity” (transaction history) and “Detail” (comprehensive account information). The platform clarifies various balance types: “Available Balance” (includes pending transactions), “Current Balance” and “Daily Ledger Balance” (reflect the balance at the close of the previous business day). Use the “Available Balance” for online transfers.
Account History and Downloads
“Pending transactions” in your account history represent transactions that are yet to be posted. Download your account history into financial software like Quicken, Microsoft Money, or QuickBooks by navigating to the Accounts page, selecting the desired account, and clicking “View History.” Choose the desired date range and file format for download. You can also download data into spreadsheets like Microsoft Excel using comma-separated or tab-separated formats.
Transferring Funds at BSNB
Transfer funds seamlessly between your BSNB accounts or to external accounts at other financial institutions. Schedule recurring transfers by specifying the account, amount, frequency, and duration. Note that debit transfers are reflected immediately as pending transactions. While most transactions are processed on the same banking day, processing times may vary. For any transfer issues, note the Transfer ID and contact BSNB customer service.
Managing Your Account and Passcode
BSNB allows you to manage your account details and security settings online. Change your passcode every 180 days or whenever needed through the Profile Settings. Create a strong passcode with at least 8 characters, including letters, numbers, and ideally, uppercase letters and special characters. If you forget your passcode, use the “Forgot Your Passcode?” link on the BSNB homepage or contact customer service.
Accessing Banking Services and Contacting BSNB
BSNB’s online banking offers convenient access to various services. Reorder checks, enroll in mobile banking, request stop payments, update contact information, and order document copies through the Services and Settings menu. Send secure messages to BSNB with questions or concerns. For urgent issues, contact customer service directly.
Bill Pay with Ballston Spa National Bank
Utilize BSNB’s Bill Pay feature to pay various vendors, including utilities, businesses, and individuals. Payments are sent electronically whenever possible, ensuring timely delivery. You can use any BSNB consumer or business checking account to make payments. Understand e-bills (electronic bills) and how to pay them conveniently through the Payment Center. Consult the Online Banking Fees and Charges Schedule for details on bill payment limits and fees.