Internet Banking FAQs

Internet Banking

Internet Banking FAQs

  1. What is Merchants & Marine Internet Banking?
  2. How much does Merchants & Marine Bank Internet cost?
  3. Who can access Merchants & Marine Internet Banking?
  4. How do I sign up for Merchants & Marine Internet Banking?
  5. Will I be able to pay my bills online through Merchants & Marine Internet Banking?
  6. How current is the information on Merchants & Marine Internet Banking?
  7. Can I download my account history into my financial management software on my computer?
  8. Can I transfer funds from/to other financial institutions from Merchants & Marine Internet Banking?
  9. When will advances, payments, or transfers made through Merchants & Marine Internet Banking be credited or debited from my account?
  10. What system requirements will I need?
  11. Can I see a demo of Merchants & Marine Internet Banking?
  12. Whom do I call if I’m having problems logging on to Merchants & Marine Internet Banking?
  13. How do I change my password for Merchants & Marine Internet Banking?
  14. What browser do I need to access Merchants & Marine Internet Banking?
  15. Do I need any special software or hardware to use Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
  16. What if I forget my access id or password?
  17. What if I get an error message while interacting with Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
  18. Why am I unable to print some pages while in Merchants & Marine Internet Banking?
  19. Why do I sometimes receive errors when I use my back and forward buttons in my browser?
  20. Whom can I contact for help with Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
  21. Can I access Merchants & Marine Internet Banking outside the United States?
  22. Can I log on to Merchants & Marine Internet Banking from more than one computer at the same time?
  23. Can other members of my household view my account information from Merchants & Marine Internet Banking?
  24. What online services are available through www.mandmbank.com?
  25. Are Merchants & Marine Internet Banking and Merchants & Marine Bill Pay secure and confidential?
  26. How do my access id and password protect the security of my transactions?
  27. What if I think someone has illegally obtained my access id or password?

 

1. What is Merchants & Marine Internet Banking?
A. Merchants & Marine Internet Banking is a free Internet banking product that allows Merchants & Marine customers 24-hour access to their personal accounts. By simply logging on to www.mandmbank.com, clients can check balances, transfer funds, and more.

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2. How much does Merchants & Marine Internet Banking cost?
A. Merchants & Marine Internet Banking is free to Merchants & Marine customers with a personal account.

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3. Who can access Merchants & Marine Internet Banking?
A. Customers who posses any Merchants & Marine personal account such as a checking or savings account, loan, or CD may utilize Merchants & Marine Internet Banking for free, including Bill Pay.

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4. How do I sign up for Merchants & Marine Internet Banking?
A. You don’t need to sign up for Merchants & Marine Internet Banking. It is automatically available to you when you have a Merchants & Marine personal account. You must click on the "1st TIME USERS" link, read and accept the Terms and Agreement section, and fill out the Enrollment screen application. Select the submit button and you will be mailed a access id and password within 5 to 7 days. Upon receiving the access id and password, you will now be able to click on the "LOGIN" link and enter your access id and password. The next screen, you will be prompted to change both your access id and password to one of your choice. For your protection, your password field is case sensitive. You will use these each time when you access the "LOGIN" screen of Merchants & Marine Internet Banking in the future.

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5. Will I be able to pay my Bills online through Merchants & Marine Internet Banking?
A. The Merchants & Marine Internet Banking Bill Payment Service is currently available to all customers that use our Internet Banking product.

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6. How current is the information on Merchants & Marine Internet Banking?
A. Unlike other financial institutions, which update information in "batches" one or two times a day, Merchants & Marine Internet Banking is "real time." Account balances and transactions for savings and checking accounts are generally current and will reflect transactions made during the day as they occur when using an ATM or Merchants & Marine Internet Banking. This includes transfers, deposits and withdrawals. Transactions conducted by a teller are usually posted by the end of the business day. Please remember that depositing checks at a teller may require time for the check to clear before it is credited to your account. As a result, you may not immediately see the check on Merchants & Marine Internet Banking until it clears. Please see your Regulation CC disclosure for a description of when funds become available.

Balances for other account types, such as loans and CDs, are generally current as of the end of the previous business day.
 

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7. Can I download my account history into my financial management software on my computer?
A. Yes, information can be downloaded from your checking, savings, and loan accounts on Merchants & Marine Internet Banking into a format that can be used with Microsoft Money or other commonly used spreadsheet applications (such as Excel, Access, or Lotus).
  1. From the Accounts screen, click the account from which you want to export information. The Balance page is displayed.
  2. Click the Transactions button found above the table. The Transaction Menu summary page is displayed.
  3. Complete the Transaction Search section and click Export to export the information. The File Download dialog box is displayed.
  4. Click the Save this file to disk option button, click OK, then save your file to the desired drive/directory.
  5. Once saved, import the file into the appropriate application (e.g., .OFX=MS Money, .CSV=MS Excel/Lotus 1-2-3/etc.).

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8. Can I transfer funds from/to other financial institutions from Merchants & Marine Internet Banking?
A. You may only transfer funds between your Merchants & Marine Bank accounts.

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9. When will advances, payments, or transfers made through Merchants & Marine Internet Banking be credited or debited from my account?
A. Most financial transactions requested before 4:00 p.m. CST Monday through Thursday and before 5:00 p.m. CST Friday are processed immediately on the business day they are requested. Transactions requested on weekends and holidays will be processed on the next business day. When a transaction has been completed, you will receive a confirmation number. The transaction will appear on your bank statement as usual. You may also confirm the status of the transaction by calling Merchants & Marine Bank Customer Service Representatives at 1-866-229-9415 or 1-228-762-3311.

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10. What system requirements will I need?
A. To access Merchants & Marine Internet Banking, you will need a computer with Internet access and an Internet browser with a minimum 128-bit encryption such as Internet Explorer (6.0 or higher). You will also need to have your Internet browser set to allow or enable cookies. The medium setting on your Privacy settings is the optimal selection for your Internet browser. Please note: You may experience problems using this site with Netscape Navagator or on a Macintosh system. For optimal viewing, a monitor with a resolution of 800 x 600, modem speed of 256K, a minimum Pentium II processor or equivalent and 128MB of RAM are best. As always, higher processing speeds and RAM can provide a better Internet Banking experience.  

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11. Can I see a demo of Merchants & Marine Internet Banking?
A. You can view a demo of Merchants & Marine Internet Banking on the Web by going to www.mandmbank.com and clicking on the "DEMO" button.

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12. Whom do I call if I’m having problems logging on to Merchants & Marine Internet Banking?
A.

If you are having problems logging on to Merchants & Marine Internet Banking such as your password doesn’t work, the link from www.mandmbank.com to Merchants & Marine Internet Banking doesn’t work, your accounts aren’t showing up or are inaccurate, please call the Merchants & Marine Customer Service Representatives at 1-866-229-9415 or 1-228-762-3311 and speak with a Customer Service Representative Monday - Thursday 8am - 4pm and Friday 8am - 5pm or call any local Merchants & Marine Bank location.

If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. Merchants & Marine Bank is unable to provide technical support for computer or browser-related problems.

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13. How do I change my password for Merchants & Marine Internet Banking?
A. If you want to change your password, follow these instructions:
  1. Log on to Merchants & Marine Internet Banking
  2. Click the Password button
  3. Key in your existing password
  4. Key in your new password
  5. Key in your new password a second time for confirmation
  6. Click Submit. Your password is changed.

    For your protection, your access id and password must be six to 17 characters and can include both numbers and/or letters. Also note that the fields are case sensitive.


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    14. What browser do I need to access Merchants & Marine Internet Banking?
    A. You will need a minimum 128-bit encryption Web browser that supports secure connections. Merchants & Marine web site, including Merchants & Marine Internet Banking, is best viewed with Internet Explorer version 6.0 or higher.

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    15. Do I need any special software or hardware to use Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
    A. To access Merchants & Marine Internet Banking and Merchants & Marine Bill Pay, you will need a computer with Internet access and an Internet browser with a minimum 128-bit encryption such as Internet Explorer (6.0 or higher). Please note: You may experience problems using this site with Netscape Navagator or on a Macintosh system. For optimal viewing, a monitor with a resolution of 800 x 600, modem speed of 256K, a minimum Pentium II processor or equivalent and 128MB of RAM are best. As always, higher processing speeds and RAM can provide a better Internet Banking experience.

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    16. What if I forget my access id or password?
    A.

    If you forget your access id or password, visit any Merchants & Marine Bank location, or call Merchants & Marine Bank to speak with a Customer Service Representative 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm.

    We will not be able to tell you your current access id or password (for security reasons, employees don’t have access to this information). However, we will reset your access id and password allowing you to log on to the system as a new user. You will then be able to change your password after going through the "FIRST TIME USERS" process again.

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    17. What if I get an error message while interacting with Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
    A. If there is anything Merchants & Marine Internet Banking or Merchants & Marine Bill Pay cannot process, an error message with a description of the problem will be displayed. In most cases, the problem can be fixed by following the instructions in the error message. Most errors will allow you to return to the previous page or give you the option to try again. Some of the most common problems include:
    • Incorrectly entering your access id or password
    • An account without access to Merchants & Marine Internet Banking or Merchants & Marine Bill Pay access. This can be resolved by calling Merchants & Marine Bank at 1-866-229-9415 or 1-228-762-3311 to speak with a Customer Service Representative Monday - Thursday 8am - 4pm and Friday 8am - 5pm or call any Merchants & Marine Bank location.

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    18. Why am I unable to print some pages while in Merchants & Marine Internet Banking?
    A. You will be able to print your account summary balances and account details, all transaction confirmations, and credit line statements. However, you may experience difficulties printing some other content pages depending on your browser type and specifications.

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    19. Why do I sometimes receive errors when I use my back and forward buttons in my browser?
    A. Due to security requirements, there are some instances where we prevent pages from being saved to your computer’s hard drive or kept in your computer’s memory. In these cases, you will receive a browser error message that asks you to "repost" or "reload" the page. The best thing to do is use the buttons provided in the Merchants & Marine Internet Banking section and avoid using the back and forward buttons as much as possible to prevent errors.

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    20. Whom can I contact for help with Merchants & Marine Internet Banking or Merchants & Marine Bill Pay?
    A.

    If you need additional assistance with Merchants & Marine Internet Banking or Merchants & Marine Bill Pay, you can call a Merchants & Marine Bank Customer Service Representative at 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm or call any Merchants & Marine location.

    If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. Merchants & Marine is unable to provide technical support for computer or browser-related problems.

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    21. Can I access Merchants & Marine Internet Banking outside the United States?
    A. You can access Merchants & Marine Internet Banking from anywhere there is Internet access, including outside of the United States. However, you must be a citizen or resident of the United States to use Merchants & Marine Internet Banking, and payments through Merchants & Marine Bill Pay can only be made to payees with an address in the United States.

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    22. Can I log on to Merchants & Marine Internet Banking from more than one computer at the same time?
    A. Yes, you can log on to Merchants & Marine Internet Banking from more than one computer at the same time. This allows accounts with more than one owner to use Merchants & Marine Internet Banking at the same time. For example, if a household has a joint checking account, one member of the household can access it from home while the other can access it from work.

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    23. Can other members of my household view my account information from Merchants & Marine Internet Banking?
    A. There are only two ways someone else can access your account information from Merchants & Marine Internet Banking:
    1. If you give someone your access id and password.
    2. If they are an owner or signer on the account (each owner/signer on an account can have their own access id and password).

    If you believe someone is accessing your account without authority or illegally, immediately contact Merchants & Marine Bank at 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm. or call any Merchants & Marine Bank location.


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    24. What online services are available through www.mandmbank.com?
    A. There are several online services available through Merchants & Marine Bank Web site. You can:
    • Reorder checks
    • Change your email address
    • Change your online password
    • Use our financial calculators
    • E-mail us a question or comment (E-mail is not secure. Do NOT send personal or confidential information by e-mail.)
    • Locate the nearest ATM or Merchants & Marine Bank office
    • Find out more about Merchants & Marine Bank products and services

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    25. Are Merchants & Marine Internet Banking and Merchants & Marine Bill Pay secure and confidential?
    A. Merchants & Marine Bank has taken extensive measures to ensure clients can access their account information securely and safely anytime, including through Merchants & Marine Internet Banking, Telephone Banking, and ATMs. We have the systems and strategies in place to effectively manage the risks of doing business over the World Wide Web. These include:
    • Fire Walls – Fire walls are hardware and software we use to prevent unauthorized Internet users from getting into our internal networks.
    • Access Id's/Passwords – These allow us a constantly updated way to selectively allow customers and employees into our systems.
    • Testing – We hire an outside company to actively evaluate the effectiveness of our computer systems security, using the most advanced hacking tools available. This ensures we have the most current systems and strategies in place to protect our clients and account information.
    • Computer Use Policy – Merchants & Marine Bank has a clearly defined and enforceable internal computer use policy. This important policy outlines the overriding rules under which all Merchants & Marine employees must operate. It not only allows us to administer security, but also gives us grounds to reprimand employees who violate it.
    • Encryption – All transactions conducted on Merchants & Marine Internet Banking and Merchants & Marine Bill Pay are encrypted using SSL technology. We currently employ a minimum 128-bit SSL encryption.
    • Audit Trails and Access Logs – We keep track of both clients’ and employees’ activity on our systems. This information can be monitored, especially in situations of potential violation.
    • Intrusion Detection – We have hardware and software systems in place, which detect if someone is trying to get in illegally.

    There are also things clients can do to help protect themselves as well. Never give out your access id and password to anyone or write it down and identify it as your password. Never use an obvious password or a password that could be easily guessed, such as the name of your spouse or your street address. Also, it is important to remember to log off of Merchants & Marine Internet Banking once you have completed your session. If there has been no activity for 15 minutes, your session will automatically terminate as an additional security measure. You will not receive any warning of this session termination. If you wish to continue your online banking session, simply log on to Merchants & Marine Internet Banking again.


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    26. How do my access id and password protect the security of my transactions?
    A.

    One key part of our security system involves you directly: you must maintain the secrecy of your access id and password. Never write your password down in a way that someone could associate it with your access id. If you forget your access id or password or think someone else may have access to it, call Merchants & Marine Bank and speak to a Customer Service Representative at 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm or call any Merchants & Marine location.

    Merchants & Marine Internet Banking will allow you to attempt to enter your access id and password up to three times. If after the third time, you again fail to enter the correct access id and password, you will be locked out of Merchants & Marine Internet Banking. You must call Merchants & Marine Bank for assistance or wait until the next business day for this to reset. This is to prevent hackers from randomly trying to enter access codes.

    Even though you may be locked out of Merchants & Marine Internet Banking, you still have access to your accounts at a Merchants & Marine Bank location, through Merchants & Marine Telephone Banking, at ATMs, and by calling a Merchants & Marine Bank Customer Service Representative at 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm.

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    27. What if I think someone has obtained my access id or password without authority or illegally?
    A. If you think someone may have obtained your access id or password without authority or illegally, immediately call a Merchants & Marine Bank Customer Service Representative at 1-866-229-9415 or 1-228-762-3311 Monday - Thursday 8am - 4pm and Friday 8am - 5pm.

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