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Internet Banking Help

Frequently Asked Questions

Welcome to First Palmetto's Frequently Asked Questions page. We developed these Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered in these pages, please call us at (803) 424-5047. To begin solving your problem, choose a link above. Thanks!

Q:   What is Internet Banking?
A:   Internet Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

Q:   What can I do with Internet Banking?
A:   You can view account balances and transaction histories, transfer money, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Q:   Is any of my personal information stored in the Internet Banking product?
A:   Yes, the Internet Banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.

Q:   How current is my banking information?
A:   Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q:   What accounts will I be able to access through Internet Banking?
A:  You can access your checking, savings, certificate of deposit, individual retirement, and loan accounts from the Internet Banking service. Our Internet Banking product is intended to give you as much access, security, and versatility as possible.

Q:   How much account information can I view at once?
A:   The system will automatically show the current month's transactions and information. However, by selecting More History, you can choose to view as much as 180 days of history, if available.

Q:   Can I view my account details in more than one way?
A:   Yes, you can view your accounts by date, check number, payee, or amount in ascending or descending order.

Q:   What formats can I download my transaction history in?
A:  Internet Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.

Q:   Can I schedule future transfers?
A:   Yes, your transfers may be scheduled as a single occurrence or as frequently as weekly.

Q:   When can I use Internet Banking services?
A:   With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q:   How many stocks can I track in my online portfolio?
A:   Your online portfolio will track up to 20 stocks.

Q:   Is there a demo available for me to try?
A:   Yes, we have an Online Banking Demonstration Site that is part of the Home Banking package.

Q:   How long can I be inactive before being logged out of the Internet Banking product?
A:   The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.

Q:   What is required to use the Internet Banking service?
A:   All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.

Q:   How do I access Internet Banking?
A:   You must first be the primary owner of a checking account at First Palmetto and you must complete a registration form and visit our nearest location and sign a disclosure form. Within five business days of receipt of the disclosure form, we will mail you a password that you will need to access the service for the first time.

Q:   Can I create my own password that is easy for me to remember?
A:   Yes, after you use your assigned password to log-in for the first time, you will be prompted to change your password.

Q:   What happens if I forget or lose my password?
A:   Just call us and we will take you through the steps needed to get back into the system quickly!


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