Cortland Banks Internet Banking

<body stylesrc="index.htm"><table dir="ltr" border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top"> <div align="center"> <center> <table border="0" width="100%"> <tr> <td width="100%"> <h1><b>Internet Banking & Bank-by-Phone</b></h1> <p><a href="#NetTeller Security Tips">NetTeller Security Tips</a> <br> <a href="#NetTeller General Information">NetTeller General Information</a> <br> <a href="#Customer Support">Customer Support </a><br> <a href="#NetTeller Home Banking FAQs">NetTeller Home Banking FAQs</a> <br> <a href="#NetTeller Bill Pay FAQs">NetTeller Bill Pay FAQs<br> </a><a href="#NetTeller Troubleshooting Information">NetTeller Troubleshooting Information</a></p> <table border="10" width="100%" bordercolor="#00FF00"> <tr> <td> <table border="0" width="100%"> <tr> <td colspan="3" width="647"> <h2><a name="Bank-by-Phone">Bank-by-Phone</a> </h2> </td> </tr> <tr> <td width="217"><img border="0" src="j0124473.gif" width="212" height="167"></td> <td width="218"> <img border="0" src="j0156997.gif" width="186" height="191"> </td> <td width="218"><img border="0" src="j0087204.gif" width="193" height="168"></td> </tr> <tr> <td colspan="3" width="100%"><p> </p> <p>Cortland Banks’ Bank-by-Phone feature allows our customers to use a touch-tone telephone to access their checking and savings account information, including balances, recent deposit and withdrawal transactions, and our current deposit rates.  Customers can also transfer funds between their accounts.  It's called Automated Voice Response, and it's available all day, everyday!  For further information about this FREE service, contact one of our customer service representatives.<br> </p> </td> </tr> </table> </td> </tr> </table> <h2><a name="NetTeller Internet Banking">NetTeller Internet Banking</a></h2> <p>Cortland Bank's NetTeller Internet banking product allows our customers to perform various banking activities using the Internet.  To see how NetTeller makes your banking easier, have a look at our <a href="NetTeller_demo/index.html" target="_blank">NetTeller online banking demonstration</a>!!!  For further information, contact our Internet Banking department or fill out our <a href="#Information Request Form" target="_self">Information Request</a> form.</p> <h2><a name="NetTeller Security Tips">NetTeller Security Tips</a></h2> <p>In order to maintain data security in an Internet environment, this product<b> requires</b> the use of a browser with <b> 128-bit encryption technology<i>.</i></b></p> <p><b>Because NetTeller security relies upon password-protection, it is VITAL that you keep your ID and PIN confidential.  We recommend that you: </b></p> <ul style="margin-top:0in" type="disc"> <li><b>Keep your ID and PIN in a safe place.<u><o:p></o:p></u></b></li> <li><b>Don’t reveal your ID or PIN to anyone else.</b></li> <li><b>Change your ID and PIN periodically for extra security.</b></li> <li><b>Don’t walk away from your computer or visit other sites without clicking EXIT.</b></li> <li><b>Turn off the AutoComplete option that allows your browser to save user names and passwords.  Instructions for doing this are provided by a link at the bottom of the NetTeller login page.</b></li> </ul> <p><b>For additional data security, if a user takes no action in NetTeller for 10 minutes, the user will automatically be logged off of NetTeller.</b></p> <h3>Password Tips</h3> <ol> <li>Try to use a password that you can remember without writing it down.  Instead of writing down your password, write down a word or phrase that will remind you of the actual password.</li> <li>Choose a password that is not too closely associated with yourself.  Personal information such as addresses, telephone numbers, family or pet names, and local sports teams are easily guessed, and, therefore, make poor passwords.</li> <li>Guard your password; never reveal it to any person you don't know or trust.</li> <li>Change your password frequently.</li> <li>Longer passwords are tougher to crack.  Use passwords of 7 digits or longer, if possible.</li> <li>Use combinations of letters, numbers, and punctuation, when possible.  If the application permits it, passwords should contain a special symbol in the first five characters<span style="font-size:11.0pt; mso-bidi-font-size:10.0pt;font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman";mso-ansi-language:EN-US;mso-fareast-language:EN-US; mso-bidi-language:AR-SA"> ("#," "$," "@," or whatever special characters the system permits in passwords).<span style="mso-spacerun: yes">  </span>If special characters cannot be used, then a combination of upper and lower case letters, as well as numbers, should be employed</span></li> <li>Avoid simple repetitions or obvious sequences, such as "111111", "222222", "333333", "AAAAAA", "BBBBBB", "CCCCCC", "123456", "234567", "ABCDEF", "UVWXYZ".</li> <li>Avoid single dictionary words.</li> <li>Never enter passwords with someone else looking at your keyboard or screen.</li> <li>If you even suspect a leak, change your password.</li> </ol> <p>Ideas for creating passwords:</p> <ol> <li>Use combinations of two or more short and unrelated dictionary words, preferably with numbers or other characters mixed in (for example, "CAT$PIE", "BAG3WET").  Or, try replacing letters with similar numbers that you can remember using (replace the letter I with the number 1, or the letter O with the number zero, or the letter b with the number 8, or the letter S with the number 5, for example).</li> <li>Instead of single dictionary words, use the first or last letters of the words in a familiar phrase, song, or poem.  The phrase, "So Little Time, So Much To Do" would yield the password "SLTSMTD".  For added security, replace words with their phonetic equivalents, such as "To"/"Too" with the number 2, or "For"/"Fore" with 4, or "Ate" with 8, or replace the word "Are" with the letter "R", or the word "Eye" with the letter "I", and so forth.  Our example phrase could also yield the password "SLTSM2D", in this manner.  Add a special character to get "SLT,SM2D".</li> <li>Use every other letter in a phrase, until you have enough letters: "So LiTtLe TiMe, So MuCh To Do" yields "SLTLTMSC".</li> <li>Use a word with its mirror-image, repeating or dropping letters to achieve the required length.  (Examples include:  "PIG#GIP#PI", "TRAD-DART", "LOG%GOL".)</li> <li>Use some other person's name that you can easily remember.  Divide it into password-length blocks, rotating through the name again, if necessary.  Drop the first block, using one of the other blocks which does not match a name or word.  (For example, "THOMAS ALVA EDISON" yields "THOMASA", "LVAEDIS", "ONTHOMA", "SALVAED".  Use any except "THOMASA".)</li> <li>Use a sufficiently-long word from the dictionary, replacing the vowels with special characters: "ANACONDA" becomes "@N@C@ND@", "TEMPERATURE" becomes "T#MP#R#T#R#", "RABBITS" becomes "R$BB$TS".</li> <li>Use a sufficiently-long word from the dictionary, or a name, putting all the vowels together and all the consonants together:  "FRIENDS" becomes either "IEFRNDS" or "FRNDSIE", "MIGRATE" becomes "IAEMGRT" or "MGRTIAE", "MARILYN" becomes "AIYMRLN" or "MRLNAIY".</li> </ol> <h2> </h2> <h2><a name="NetTeller General Information">NetTeller General Information</a></h2> <p>There are 3 NetTeller Internet banking modules:</p> <ul style="margin-top: 2"> <li><b>Home<br> </b>The Home Banking module allows our customers to use the Internet to perform such basic banking tasks as viewing account balances, transferring funds between accounts, viewing rates, and viewing statements and check images.<br> <b><a target="_blank" href="CORTLAND_BANKS_NETTELLER_CONTRACT.htm"><br> Link to NetTeller Home Banking Application</a></b> <b><br> </b> <br> </li> <li><b>Bill Payment<br> </b>The free Bill Payment module allows our customers to use the Internet to make check payments to businesses or individuals.  These payments can be made on a one-time basis, or repetitively according to customer-determined schedules.  <br> </li> <li><b>Cash Management<br> </b>The Cash Management module allows our corporate customers to use the Internet to perform basic cash management functions, including wire transfers.</li> </ul> <p>Cortland Banks' NetTeller works with Apple®, Windows®, Linux and other operating systems, provided that the browser that you are using is compatible with NetTeller.  System requirements for the NetTeller Internet banking product are:</p> <ul> <li>Microsoft® Internet Explorer or Netscape® Navigator/Communicator browser (America On-Line® uses a modified version of Internet Explorer, which is compatible with NetTeller).  Your browser must have 128-bit encryption enabled.  The NetTeller site provides a Test Browser option and a link to update to 128-bit encryption, or you can open your browser and choose the Help...About menu option in your browser to determine whether 128-bit encryption is enabled.</li> <li>Access to the Internet.</li> <li>Personal computer capable of supporting the above browser.</li> </ul> <h2 style="margin-left:0in"> </h2> <h2 style="margin-left:0in"><a name="Customer Support">Customer Support</a></h2> <p class="MsoBodyTextIndent" style="margin-left:0in">If you have questions about NetTeller or have problems with NetTeller call us or email us at (please include your name and phone number):<o:p> </p> <p class="MsoNormal"><b>Cortland Banks NetTeller Support:<br> </b><span style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 7.0pt; font-family: Times New Roman">  </span><b>330-637-8040<br> </b><span style="font:7.0pt "Times New Roman""><a href="mailto:cbinfo@cortland-banks.com" style="color: #800000"> </a></span><a href="mailto:cbinfo@cortland-banks.com"><b>webhelp@cortland-banks.com</b></a></p> <p class="MsoNormal"><b>Notice:  Since information sent by email is at risk of loss of confidentiality when it is transmitted over the internet,  we do not recommend sending confidential information by email.  Such information would include account numbers, social security numbers, credit card numbers, and passwords.</b></p> <p class="MsoNormal">If you have questions about or problems with the Bill Pay function of NetTeller, call:<b><br> <br> Bill Pay Customer Service Assistance:<span style="font-size:26.0pt;mso-bidi-font-size:12.0pt; font-family:"Clarendon Condensed""><o:p></o:p><br></span>(330) 637-8040</b></p> <p> </p> <h2><b><a name="NetTeller Home Banking FAQs">NetTeller Home Banking FAQs</a></b></h2> <p class="MsoNormal"><b>Q:<span style="mso-tab-count:1">     </span><span style="mso-tab-count: 1"> </span>What happens if I don’t log off the system?<o:p> </o:p> </b></p> <p class="MsoNormal"><b>A:<span style="mso-tab-count:1">      </span></b>By default, NetTeller has a 10 minute time out feature, so if the system is not used for 10 minutes, then the user will be inactive and will have to log in again<b>. <o:p> </o:p> </b></p> <p class="MsoNormal"><b>Q:<span style="mso-tab-count:1">     </span><span style="mso-tab-count: 1"> </span>What kind of browser do I need to have?<o:p> </o:p> </b></p> <p class="MsoNormal"><b>A:<span style="mso-tab-count:1">     </span></b> While NetTeller supports most browsers with 128-bit encryption, it is recommended that you use Microsoft® Internet Explorer version 3.0 or newer, Netscape® Navigator version 4.5 or newer, or America On-Line® version 4.5 or newer.</p> <p class="MsoNormal"><b>Q:<span style="mso-tab-count:1">     </span><span style="mso-tab-count: 1"> </span>Why can I go to your web page but I can’t read any information on it?<o:p> </o:p> </b></p> <p class="MsoNormal"><b>A:<span style="mso-tab-count:1">      </span></b>This is because you are visiting our site with an older browser.<span style="mso-spacerun: yes">  </span>Contact your browser vendor and update your browser to a later version.<span style="mso-spacerun: yes">  </span>Once your browser is updated, you will be able to see the site better, plus an updated browser provides more security.</p> <p class="MsoNormal"><b>Q:<span style="mso-tab-count:1">     </span><span style="mso-tab-count: 1"> </span>What happens if I forget my PIN?<o:p> </o:p> </b></p> <p class="MsoNormal"><b>A:<span style="mso-tab-count:1">      </span></b>You are allowed three PIN attempts, and on the 3<sup>rd</sup> attempt, if invalid, you will be locked out of the system.<span style="mso-spacerun: yes">  </span>Your PIN will automatically be reset in 24 hours. If you are locked out during normal business hours (8:30 a.m.-4:30 p.m. Monday through Friday), you may contact NetTeller Customer Support.<span style="mso-spacerun: yes"> </span></p> <p class="MsoNormal"><b>Q: <span style="mso-tab-count:1">     </span>How late in the evening can I make transfers?<o:p> </o:p> </b></p> <p class="MsoNormal"><b>A:<span style="mso-tab-count:1">      </span></b>The transfer cut off time for current day’s business is 7:00 p.m. (EST).</p> <p> </p> <h2><b><a name="NetTeller Bill Pay FAQs">NetTeller Bill Pay FAQs</a></b></h2> <o:p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> </span></b></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana">When and how are the payments processed?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Payments submitted, recurring or one time, before 3:00 AM EST Monday-Friday will be processed at </span><span style="font-size:9.0pt;font-family: Verdana">3:00 AM EST</span><span style="font-size:9.0pt;font-family: Verdana">. Payments submitted between </span> <span style="font-size:9.0pt;font-family:Verdana">3:00 AM EST and 1:00 PM EST will be processed at 1:00 PM EST.  Payments received after 1:00 PM EST on Monday-Thursday will be processed the next business day.  Payments received after 1:00 PM EST on Friday will be processed the next business day.  All payments scheduled to go on a weekend will be processed on the processing day before the weekend.  All payments scheduled to go on a holiday will be processed the day before that date.  Payments entered on the weekend, recurring or one time, will be processed on the next business day.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">What happens if I have a scheduled payment that falls over a weekend or holiday?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I use Online Bill Payment if I live outside the U.S.</span><span style="font-size:9.0pt;font-family: Verdana">?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Yes, as long as you have a bank account in the United States.  However, you cannot pay bills to payees located outside the United States.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I get a copy of a cancelled check?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Yes.  You will need to contact the bank for this information.</span></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> How long is history retained in the View Payment History section?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Payment history for active and deleted payees is retained and viewable 18 months</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">How far in advance should I set up a payment to ensure it is paid on time?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 3 a.m. processing.  If the check payment is entered before 1:00 PM EST, the check will be mailed the following morning.  Allow 5 to 7 business days for a check payment.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> Please note that we have no control over the U.S. Postal Service.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Are there minimum and maximum payment amounts?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> Electronic payments are validated against the <span style="color:black"> available</span> account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through PowerPay.  You are limited only by the amount of funds in your account.</span></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> Can I have multiple payments to the same payee on the same day?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I stop a payment?</span></b></p> <p class="MsoNormal"><span style="font-size: 9.0pt; font-family: Verdana">Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook</span></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> Whom can I pay through Online Bill Payment?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">You can pay ANYONE in the </span><span style="font-size: 9.0pt;font-family:Verdana">United States</span><span style="font-size:9.0pt;font-family:Verdana"> from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">What do the status fields indicate on the Payment History Page?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Processed - The payment has been processed and sent.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.</span></p> <p class="MsoNormal"><span style="font-size: 9.0pt; font-family: Verdana">NSF payments will keep trying until one of the following happens: the funds become available; if it’s a recurring payment and it expires, or if you delete the payment.  </span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">  Communication Failure-There was an error due to communication problems. </span> <span style="font-size: 9.0pt; font-family: Verdana">The payment will try again during the next processing run.<br> <![if !supportLineBreakNewLine]><br> <![endif]></span><span style="font-size:9.0pt;font-family:Verdana">Vendor Refund - Payment rejected at Princeton E-Com.</span></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> How many payees may I have set up?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">There is no limit to the amount of payees you can set up through the Internet.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I edit Payee addresses?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">No.  Once an address is entered it stays with that payee.  If you need to change an address it will be necessary to recreate the payee using the new address.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">How do I know if a payee is electronic or check?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Once you have set up the payee, then you can look at the <span style="color:black">PAYEE LIST</span> screen and you will see a field that will tell you if the payee is electronic or check.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">What payment frequencies are available?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">You can set up payments in any of the following frequencies:</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> Weekly</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Bi-weekly</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Monthly</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> Semi-monthly</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Quarterly</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Annually</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> Semi-annually</span></p> <p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:Verdana"> When can you edit the dollar amount on a scheduled recurring payment?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">You may edit the dollar amount the next business day <b>after</b> the scheduled payment date.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I postdate recurring payments?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Can I postdate a single payment?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Yes. Just set the payment date for a valid future date.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Will the memo field I fill out when setting up a payment be passed on to the payee?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off.  Memo field information will not appear on electronic payments.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">Are there any merchants that I cannot pay through the Bill Payment service?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">No.  Any merchant that is on Princeton's database can go electronically.  If a merchant is not on the list you may send the payment as a check.  Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">When will the money be taken out of my account?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 1 PM EST.  Electronic payments submitted after 1:00 PM EST are debited the next day during bill pay processing.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> CHECK payment funds are debited from the account when the check clears your account at the bank.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">What if I do not have enough money in my account?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">  ELECTRONIC payments are verified for funds availability during processing.  If the funds are available, the account that you selected for the payment will be debited and the information sent on to Princeton for processing.  If the funds are not<b> </b>available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds.  Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.</span></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana"> </span><b><span style="font-size:9.0pt;font-family:Verdana">How late in the day can I enter, edit, or delete a payment?</span></b></p> <p class="MsoNormal"><span style="font-size:9.0pt;font-family:Verdana">You may add, edit, or delete a payment up to 3:00 AM EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM EST and 1:00 PM EST it may be edited up until 1:00 PM EST.</span></p> <p class="MsoNormal"> <h2><a name="NetTeller Troubleshooting Information">NetTeller Troubleshooting Information</a></h2> <p class="MsoBodyText">If you only wish to delete your Temporary Internet Files (or Caches), to resolve problems related to the May 17, 2003 NetTeller update, see step 4 below, or use the Windows Disk Cleanup utility:</p> <p class="MsoBodyText">(Netscape users should refer first to step 4c for Caches, then try step 3c if Cookies need to be deleted.  <b>Warning:</b>  The following procedure will delete ALL Temporary Internet Files, not just NetTeller-related files.  Depending on the number of files involved, this option can take a while to process.)</p> <p class="MsoBodyText" style="margin-top:0in;margin-right:0in;margin-bottom:0in; margin-left:77.75pt;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal; mso-list:l1 level1 lfo3;tab-stops:list 77.75pt">A.<span style="font:7.0pt "Times New Roman""> </span>Select Start...Programs (or All Programs)...Accessories...System Tools...Disk Cleanup.</p> <p class="MsoBodyText" style="margin-top:0in;margin-right:0in;margin-bottom:0in; margin-left:77.75pt;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal; mso-list:l1 level1 lfo3;tab-stops:list 77.75pt">B.<span style="font:7.0pt "Times New Roman""> </span>Select the drive upon which your Temporary Internet Files reside (usually C:).</p> <p class="MsoBodyText" style="margin-top:0in;margin-right:0in;margin-bottom:0in; margin-left:77.75pt;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal; mso-list:l1 level1 lfo3;tab-stops:list 77.75pt">C.<span style="font:7.0pt "Times New Roman""> </span>Select Temporary Internet Files; <b>uncheck</b> all other items.</p> <p class="MsoBodyText" style="margin-top:0in;margin-right:0in;margin-bottom:0in; margin-left:77.75pt;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal; mso-list:l1 level1 lfo3;tab-stops:list 77.75pt">D.<span style="font:7.0pt "Times New Roman""> </span>Click "OK".</p> <p class="MsoBodyText" style="margin-top:0in;margin-right:0in;margin-bottom:0in; margin-left:77.75pt;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal; mso-list:l1 level1 lfo3;tab-stops:list 77.75pt">E.<span style="font:7.0pt "Times New Roman""> </span>Confirm deletion by clicking "OK".</p> <p class="MsoBodyText" style="margin:0in;margin-bottom:.0001pt;line-height:normal"> <o:p> </o:p> </p> <p class="MsoBodyText" align="left" style="text-align:left">NetTeller customers who experience problems accessing the NetTeller server can attempt the following steps to resolve the problem:</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">1)<span style="font:7.0pt "Times New Roman"">       </span>Determine which version of browser is in use.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">a.<span style="font:7.0pt "Times New Roman"">       </span>NetTeller supports versions of Microsoft Internet Explorer and Netscape Navigator 4.0 or greater.<span style="mso-spacerun: yes">  </span>The Encryption Level must be at least 128-bit encryption.<span style="mso-spacerun: yes">  </span>Start your browser, choose the “Help” menu, then the “About Internet Explorer” or “About Netscape” option, as appropriate.<span style="mso-spacerun: yes">  </span>This dialog box will display the version, as well as indicating the encryption level.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">b.<span style="font:7.0pt "Times New Roman"">       </span>AOL users should use at least version 5.0.<span style="mso-spacerun: yes">  </span>This can be determined by starting AOL, closing the “Sign On” dialog box by clicking the X in the corner of the “Sign On” window (NOT the larger “America Online” window!), then choosing the “Help” menu, then the ”About America Online” option.<span style="mso-spacerun: yes">  </span>Versions 5.0 or higher already have 128-bit encryption.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">2)<span style="font:7.0pt "Times New Roman"">       </span>Ensure java is enabled.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">a.<span style="font:7.0pt "Times New Roman"">       </span>In Internet Explorer, choose the “Tools” menu, and the “Internet Options…” option.<span style="mso-spacerun: yes">  </span>Click the “Security” tab, click the icon for the “Internet” Web content zone, click the “Custom Level” button, and ensure that the “Java permissions” option is not set to “Disabled” or “Custom”.<span style="mso-spacerun: yes">  </span>Further down, ensure that “Scripting of Java applets” is not set to “Disabled”.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">b.<span style="font:7.0pt "Times New Roman"">       </span>AOL users should choose the “Settings” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, choose the “Internet Properties (WWW)” link.<span style="mso-spacerun: yes">  </span>This will take you to an “AOL Internet Properties” dialog box, similar to the Internet Explorer browser “Internet Options” dialog box.<span style="mso-spacerun: yes">  </span>Click the “Security” tab, click the icon for the “Internet” Web content zone, click the “Custom Level” button, and ensure that the “Java permissions” option is not set to “Disabled” or “Custom”.<span style="mso-spacerun: yes">  </span>Further down, ensure that “Scripting of Java applets” is not set to “Disabled”.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">c.<span style="font:7.0pt "Times New Roman"">       </span>In Netscape, choose the “Edit” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, click on the “Advanced” option.<span style="mso-spacerun: yes">  </span>Make sure that the “Enable Java” option is selected and click “OK”</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">3)<span style="font:7.0pt "Times New Roman"">       </span>Ensure that cookies are enabled for the NetTeller site.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">a.<span style="font:7.0pt "Times New Roman"">       </span>In Internet Explorer, choose the “Tools” menu, and the “Internet Options…” option.<span style="mso-spacerun: yes">  </span>Click the “Privacy” tab.<span style="mso-spacerun: yes">  </span>Click the “Edit” button in the “Web Sites” section.<span style="mso-spacerun: yes">  </span>For “Address of Web site”, type “netteller.com”, click the “Allow” button, and click “OK”.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">b.<span style="font:7.0pt "Times New Roman"">       </span>AOL users should choose the “Settings” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, choose the “Internet Properties (WWW)” link.<span style="mso-spacerun: yes">  </span>This will take you to an “AOL Internet Properties” dialog box, similar to the Internet Explorer browser “Internet Options” dialog box.<span style="mso-spacerun: yes">  </span>Click the “Privacy” tab.<span style="mso-spacerun: yes">  </span>Click the “Edit” button in the “Web Sites” section.<span style="mso-spacerun: yes">  </span>For “Address of Web site”, type “netteller.com”, click the “Allow” button, and click “OK”.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">c.<span style="font:7.0pt "Times New Roman"">       </span>In Netscape, choose the “Edit” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, double-click on the “Privacy & Security” option to expand it (if it is not already expanded).<span style="mso-spacerun: yes">  </span>Click on the “Cookies” option.<span style="mso-spacerun: yes">  </span>Make sure Cookies are not disabled.<span style="mso-spacerun: yes">  </span>(Any of the other options should work.)<span style="mso-spacerun: yes">  </span>You might also try choosing the “Manage Stored Cookies” option, selecting the NetTeller cookies, and removing them by clicking the “Remove Cookie” button.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">4)<span style="font:7.0pt "Times New Roman"">       </span>Clear your Internet browser caches.</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">a.<span style="font:7.0pt "Times New Roman"">       </span>In Internet Explorer, choose the “Tools” menu, and the “Internet Options…” option.<span style="mso-spacerun: yes">  </span>Click the “General” tab, and click the “Delete Cookies” and “Delete Files” buttons in the “Temporary Internet files” section.<span style="mso-spacerun: yes">  </span>(If you wish, you may try taking just the "Delete Files" option, first.<span style="mso-spacerun: yes">  </span>If this resolves the problem, you will not need to delete your cookie files.)<span style="mso-spacerun: yes">  </span><b>WARNING:</b><span style="mso-spacerun: yes">  </span>This action will clear all of the user’s Temporary Internet Files and Cookies, not just those for NetTeller!</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">b.<span style="font:7.0pt "Times New Roman"">       </span>AOL users should choose the “Settings” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, choose the “Internet Properties (WWW)” link to bring up the “AOL Internet Properties” dialog box.<span style="mso-spacerun: yes">  </span>Click on the “General” tab, and click the “Delete Cookies” and “Delete Files” buttons in the “Temporary Internet files” section.<span style="mso-spacerun: yes">  </span>(If you wish, you may try taking just the "Delete Files" option, first.<span style="mso-spacerun: yes">  </span>If this resolves the problem, you will not need to delete your cookie files.)<span style="mso-spacerun: yes">  </span><b>WARNING:</b><span style="mso-spacerun: yes">  </span>This action will clear all of the user’s Temporary Internet Files and Cookies, not just those for NetTeller!</p> <p class="MsoBodyText" align="left" style="margin-left:95.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level2 lfo1;tab-stops:list 95.75pt">c.<span style="font:7.0pt "Times New Roman"">       </span>In Netscape, choose the “Edit” menu, then the “Preferences” option.<span style="mso-spacerun: yes">  </span>In the resulting “Preferences” dialog box, double-click on the “Advanced” option to expand it (if it is not already expanded).<span style="mso-spacerun: yes">  </span>Click on the “Cache” option.<span style="mso-spacerun: yes">  </span>Click the “Clear Memory Cache” and “Clear Disk Cache” buttons.<span style="mso-spacerun: yes">  </span>(If you wish, you may try taking these options one at a time.<span style="mso-spacerun: yes">  </span>If one resolves the problem, you will not need to perform the other.)<span style="mso-spacerun: yes">  </span><b>WARNING:</b><span style="mso-spacerun: yes">  </span>This action will clear all of the user’s Cache Files, not just those for NetTeller!</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">5)<span style="font:7.0pt "Times New Roman"">       </span>If the problem still exists, try another secure site, if possible, to determine if the problem is specific to NetTeller, or if all secure sites are affected.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">6)<span style="font:7.0pt "Times New Roman"">       </span>If you are an AOL user, determine if the problem is specific to the AOL browser by connecting to AOL; then (while still connected), open Internet Explorer (make sure Internet Explorer is 128-bit encryption-enabled, with java and cookies enabled), and try the NetTeller site again.<span style="mso-spacerun: yes">  </span>If this works, then the problem is likely AOL-browser-related.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">7)<span style="font:7.0pt "Times New Roman"">       </span>Check for a nearly full hard drive, or low system ram memory, which would slow access and cause the browser to time out when trying to reach the server.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">8)<span style="font:7.0pt "Times New Roman"">       </span>If possible, try accessing the site from a different computer, using the same Internet Service Provider and connection method.</p> <p class="MsoBodyText" align="left" style="margin-left:59.75pt;text-align:left; text-indent:-.25in;mso-list:l0 level1 lfo1;tab-stops:list 59.75pt">9)<span style="font:7.0pt "Times New Roman"">       </span>For AOL users, check the AOL Personal Filing Cabinet for excessive entries, which may slow the AOL application down to the point that it times out and delivers an error message.</p> <p class="MsoNormal"> <o:p> </o:p> <form method="POST" action="_vti_bin/shtml.dll/INTERNET_BANKING_FRAME.HTM" onSubmit="" name="Internet Banking Products" webbot-action="--WEBBOT-SELF--"> <input TYPE="hidden" NAME="VTI-GROUP" VALUE="0"> <h3><a name="Information Request Form"></a>Information Request Form</h3> <p> <b>Notice:  Information entered into this form is sent to us by Internet email.  Since information sent by email is at risk of loss of confidentiality when it is transmitted over the Internet,  we do not recommend sending confidential information by email.  Such information would include account numbers, social security numbers, credit card numbers, and passwords.</b></p> <p> Select the items that apply, and then let us know how to contact you.</p> <p> <input type="CHECKBOX" name="SendServiceLiterature" checked value="ON"> Send product literature<br> <input type="CHECKBOX" name="SendCompanyLiterature" value="ON"> Send company literature<br> <input type="CHECKBOX" name="SalesContactRequested" value="ON"> Have a salesperson contact me<br> </p> <table> <tr><td align="right"><em>Name</em></td><td><input type="TEXT" name="Name" value size="35"></td></tr> <tr><td align="right"><em>Title</em></td><td><input type="TEXT" name="Title" value size="35"></td></tr> <tr><td align="right"><em>Company</em></td><td><input type="TEXT" name="Company" value size="35"></td></tr> <tr><td align="right"><em>Address</em></td><td><textarea name="Address" rows="5" cols="35"></textarea></td></tr> <tr><td align="right"><em>E-mail</em></td><td><input type="TEXT" name="Email" value size="35"></td></tr> <tr><td align="right"><em>Phone</em></td><td><input type="TEXT" name="Phone" value size="35"></td></tr> </table> <p><input type="SUBMIT" value="Submit Request"> <input type="RESET" value="Reset Form"> </p> <input type="hidden" name="FormName" value="Loan Products"> </form>  </td> </tr> </table> </center> </div>   <p> </td></tr></table><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td> <table border="0" width="100%"> <tr> <td width="40%"><img border="0" src="IMAGES/SMALLLOGO.GIF" alt="Cortland Banks Logo" width="150" height="57">     </td> <td width="60%"> <h5> <a href="http://www.cortland-banks.com" target="_top">[Home]</a>  <a href="privacy_policy_frame.htm" target="_top">[Privacy Policy]</a>  <a href="contact_us_frame.htm" target="_top">[Contact Us]</a>  <a href="search_frame.htm" target="_top">[Site Search]</a></h5> </td> </tr> <tr> <td width="40%"> <h5>Copyright © 2000-2007 Cortland Bancorp<br> All Rights Reserved<br> Last modified:   March 02, 2007</h5> </td> <td width="60%"><img border="0" src="IMAGES/EHLlogo.gif" width="92" height="108">          <img border="0" src="IMAGES/FDICmbr.gif" width="110" height="61"></td> </tr> </table> </td></tr></table></body>