Internet Banking FAQ's
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SMBonline NetTeller banking allows our customers a secure and convenient way to access their accounts using the Internet. Some of the functions available with online banking are:
•Access and print information on all accounts including loans.
•Review and print transactions and statements.
•Confirm deposits, withdrawals and checks cleared.
•Transfer funds between accounts and make loan payments.
•Download transactions to the leading financial management programs.
•PowerPay bill pay processing system.
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Yes, a one-time application is required. Once this form is received by the bank with account information, we will mail you a letter with a User ID number and a PIN, usually the next business day. Upon your first visit you will be asked to select a new PIN of your choice and that PIN will be used whenever you access SMBonline NetTeller.
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Yes, you can assign an "Alias" to your numeric User ID. The "Alias" cannot begin with a number but may use any other combination of letters or numbers up to 12 digits. The PIN may be changed as often as you want. Simply click on the Options link in the blue header bar and make your changes.
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For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system. If you become "locked out", or you just don't remember what your PIN/Password is you can use the "Reset Password" link on the homepage. Using this option will require that you have a valid email address as well already created a personal question and answer. For more information, please visit our Password Reset page.
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The Current Balance is the amount that was in your account at the close of business the previous day. The Available Balance is the Current Balance plus any Bounce Protection and/or Overdraft Protection that you may have. The Available Balance will also include any transactions that have not yet posted to your account.
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PowerPay is SMBonline's FREE Internet-based bill payment system. With PowerPay you can pay bills from any computer connected to the Internet. No check writing, no running to the post office, just click and your bills are paid.
You can pay anyone in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country.
You can pay anyone in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country.
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On electronic items, the funds will be withdrawn from your account on the date you specify as the payment date. For checks, the money will be withdrawn out of your account when the paid item is received by the bank, just like any other check you would write.
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Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over the weekend, for the current weekend, will be processed on Sunday night. Holiday processing is done the following day after the holiday.
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Check payments should be scheduled 5-7 business days in advance of when you want the payment to actually be received at the payee. Electronic payments should be scheduled 2 business days in advance of when you want the payment to be received at the payee.
NOTE You may want to set up a check payment to yourself first so you can see how the system works.
NOTE You may want to set up a check payment to yourself first so you can see how the system works.
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You may add payments scheduled Monday through Friday up until 12:00 Noon CST of the day the payment is to be issued. You may edit or delete scheduled payments up until 2:00am CST of the day the payment is scheduled to be issued.
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You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
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You may issue a stop payment on an unpaid check that you have issued through SMBonline PowerPay. You may either issue the stop payment through the SMBonline Internet Banking system or call the Customer Service Call Center. You may not enter a stop payment on an electronic item after the processing date.
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You will have to set up a new payee with the correct address and delete the old one.
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After you have set up the payee, you can click on the Payees link and each payee is listed along with the payee type.
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Yes. You can set up recurring payments in the following frequencies: Weekly, Bi-weekly, Semi-monthly, Monthly, Quarterly, Semi-annually, or Annually.
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Yes, the memo field is printed on the check.
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SMBonline Coordinator
Southwest Missouri Bank
PO Box 814
Carthage, MO 64836
(417) 359-1000 or (800) 943-8488
Southwest Missouri Bank
PO Box 814
Carthage, MO 64836
(417) 359-1000 or (800) 943-8488
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