Online Banking FAQ
Q: What software and computer requirements do I need to have in order to access FBHP Online Banking?
A: You can access FBHP Online Banking through the Internet by going to www.firstbankhp.com You will need a minimum of Adobe Acrobat Reader 4.0 to view the application. To obtain the latest version of Adobe Acrobat Reader if you do not already have this software, please click on the link below:
To access all the features available you will need one of the internet Browser versions:
Windows Vista & Windows XP
Microsoft Internet Explorer
Firefox 2.0 or higher
Opera 8.0 or higher
Mac OS 10.3 or higher
Firefox 2.0 or higher
Safari 2.0 or higher
Camino 1.5.3 or higher
Opera 8.0 or higher
Q: How secure is FBHP Online Banking? Is my financial information safe?
A: FBHP Online Banking is secure. Technology has been developed to safeguard your data through encryption or coding of information, creating barriers between systems that can only be accessed with authorized passwords, and by creating safe pathways to and from each system. You can also help safeguard your information by protecting your password and keeping it secure. The password is the only way to get access into your account.
Q: How much does FBHP Online Banking cost?
A: Customers will not be charged for utilizing FBHP Online Banking and Bill Pay service.
Q: Which of my accounts will I have access to when I sign up for FBHP Online Banking?
A: You will have access to all of your accounts in which you are a primary or secondary owner. You will be able to view your account balances, transfer funds between accounts, pay bills, and review past and present statements. Note to Business accounts users: you may not be able to view your Personal and Business accounts together. You may need to enroll separately for the two types of accounts and use a second password to access your business accounts if they have a unique FEIN or Tax Identification Number.
Q: If I share a checking account with someone else, do we both need to enroll or can we share a FBHP Online Banking account?
A: For security purposes, we recommend that each person enroll separately and receive unique passwords.
Q: How current is the information I see in FBHP Online Banking?
A: The balance for checking and savings accounts is real-time and will change throughout the day based on your activity. Your balance will reflect your activity whether it be with your First Bank of Highland Park ATM and Debit Card transactions, or if you scheduled a one-time transfer between your accounts. All other account information is current as of the end of the day processing from the night before.
Q: What types of accounts can I transfer funds to and from?
A: You can transfer funds between any checking and savings accounts within the parameters specific to your account. Please refer to the terms and conditions of your account in our Retail or Business Account Disclosure Statement. Please note that in most cases, you cannot transfer funds between business and personal accounts.
Q: When will my transfer take place?
A: If you initiate a one-time transfer before 5pm Central Standard Time (CST), the transfer will take place on the same business day. If you initiate a one-time transfer or scheduled transfer after 5pm CST, the transfer will occur on the next business day.
Q: How do I get started with Bill Payment?
A: The first thing you'll need to do is organize all the information about anyone you want to pay through online Bill Payment. You'll need to gather information on each payee to be setup, including:
- Payee Name
- Payee Payment Address
- Payee Phone Number (typically identified for Billing Inquiries on your statement from the Payee)
- Your Account Number with the company or individual Payee, shown on your billing statement from the Payee.
Now you're ready to set up these companies and individuals as your "Payees". Once you've logged on to the FBHP Online Banking website, select "Click Here for Bill Payments" then "Set-up/Change" and enter the information requested. You'll need to fill in all of the information requested or we will not be able to process your payment.
Payee information should be entered exactly as it appears on the billing statement. Inaccurate or incomplete payee information can cause delays in the posting of payments. Please verify the accuracy of the information that you enter.
Please note that the Account Number is your Account Number that identifies you to that Payee. Please enter this number exactly as it appears on your billing statement from the Payee.
Q: Who can I pay with Bill Payment?
A: You can pay any individual, family member, friend; or any business, merchant, or professional who generates an invoice for products or services. The only bills you can't pay online are those to the government taxing authorities, court directed payments such as alimony and child support, and payees located outside the United States.
Q: Should the payment date I give be the date the payment is actually due?
A: No. The first payment to a Payee must be scheduled at least five business days prior to the due date to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment and should not be adjusted for any grace period. Once we've been notified whether a Payee accepts electronic payments or requires a paper check, after making the first payment to that Payee, then our service will display a message indicating that the Payee requires either two or five days lead time.
Q: How soon are funds actually taken out of my account?
A: Bill payments are debited from your account at 1:00 p.m. CST on the payment date you've scheduled.
Q: What is a recurring and non-reoccurring payment?
A: A non-recurring payment is a one-time payment. These include payments in which the amount fluctuates each time such as your phone bill, or any payment you don't want to make regularly - such as a florist you use now and then.
A recurring payment is one you make regularly for the same dollar amount each time, such as the monthly payment on your mortgage. You only need to setup a recurring payment once. From then on, we'll make the payments for you automatically.
Q: What is your payment guarantee?
A: If all payment guidelines were followed and a payment is still posted late to your account with a merchant resulting in a late fee, at our discretion, we will make an attempt to have the merchant waive the late fees. If the merchant is unwilling to waive the late fees, up to $50 in late fees assessed by the merchant will be covered by us.
Q: How close to the original payment date can I change or cancel a Bill Payment?
A: You can change or delete a Bill Payment up until 1:00 p.m. CST of the payment date you originally scheduled.
Q: Do I have to re-enter payee information each month?
A: No. Online Bill Pay is designed to end the repetitiveness of paying bills. You set up your list of payees just once, and use that list month after month. You can add or change payees from your list at any time as your bill paying needs change.
Q: Can I schedule multiple payments to the same payee?
A: Currently you cannot schedule multiple payments to the same payee. However, if you need to make multiple payments to the same payee, you can set up multiple instances of the payee with the same payee information.
Q: Can I make changes to an already scheduled payment?
A: Yes. You may use FBHP Online Banking to electronically change both the payment amount and the Delivery Date of any scheduled Recurring Payments at any time prior to 1:00 P.M., Central Standard Time, USA, on the Transaction Date.
Q: What if I have a question or need to talk to the bank?
A: Send us a message! Just click here to go to our contact us page. We'll respond as quickly as we can.
Q: Is FBHP Online Banking available 24 hours a day?
A: Yes. FBHP Online Banking is available 24 hours a day, 7 days a week with the exception of systems maintenance that will occur periodically.
