GRAND RIVERS COMMUNITY BANK
ONLINE BANKING & BILL PAY
Online Banking FAQ
What do I need to enroll in Online Banking?
You will need your personal and account information. The information you provide is safeguarded using secure internet data encryption technologies and is only used for setting up your account.
How do I get an Access ID and password?
During the enrollment process, for security reasons and to maintain the confidentiality of your Access ID and password(s), you will select your own Access ID and password. You can change your password on online banking at any time. You should change your password periodically.
What software do I need to use Online Banking?
Our website is compatible with the following browsers: • Apple Safari 4.0 & 5.00 • Apple Safari 5.0 for Mac • Chrome 15.0 & 16.00 • Firefox 3.5, 4.0, 7.0, & 8.0 • Google Chrome 9.0 • Microsoft Internet Explorer 7.0, 8.00, 9.0, 10.0, & 11.0 • Opera 10.0 & 11.00 No additional software is required for online banking access.
Reasons to enroll in Online Banking?
Grand Rivers Community Bank's online banking gives you access to your accounts 24 hours a day, 7 days a week. You have the ability to: • Review Transactions • Balance Accounts • Transfer funds between checking and savings accounts. • Make Grand Rivers Community Bank loan payments by transferring directly from your checking or savings account. • View monthly e-statements • Free Bill Pay • Download information to Quicken, Quickbooks, Microsoft Money, or Comma Separated (CSV).
Is there a fee to access my accounts online?
No. You can access your accounts using our online banking 24 hours a day.
What are pending transactions?
Pending transactions are hold(s) or credit(s) place on your account affecting your available balance. Some pending deposit amounts may include funds that are being held. Some pending debits may reflect a merchant hold on your account, which may or may not be the final amount posted to your account.
How many eStatements will I be able to view up to?
From the time you sign up for eStatements, you can view up to
What can I do if I forget my login ID/password for online banking?
If you have forgotten your Login ID or password, please call the Electronic Banking department at 1-618-294-8686, ext. 5001 (between 8:30am and 4:00pm CST M-F) in order to regain access to online banking.
Why I am locked out or cannot access online banking?
Your access to online banking will be blocked in the event your Login ID or password is entered incorrectly on five consecutive access attempts. If you wait 15 minutes, you can attempt it 5 more times. After the second time, please call the Electronic Banking department at 1-618-294-8686, ext. 5001 (between 8:30am and 4:00pm CST M-F).
I just opened a new account but I do not see it online. What should I do?
You can contact the Electronic Banking department at 618-294-8686, ext. 5001 (between 8:30am and 4:00pm CST M-F) for assistance.
How do I transfer funds between my Grand Rivers Community Bank accounts?
You can make express transfers, scheduled transfers, and recurring transfers that repeat for a specified duration. Click the transfers tab, then click create a new transfer and follow the steps to complete the transfer set-up process. Cut off time is 6:00pm CST.
How do I change my Access ID or password?
You can change your password at any time by clicking Options within your Online Banking account. Under the Password section, click Edit. In order to change your Access Id, you will need to contact the Electronic Banking Department at 1-618-294-8686, ext. 5001 (between 8:30am and 4:00pm CST M-F)
Bill Pay FAQ
What is Bill Pay?
You can pay your bills and send money online. You can pay anyone in the United States. If the person or company can't accept electronic payments, a check is printed and mailed for you.
How does Bill Pay work?
You will provide some information about the company or person you want to pay, and then enter how much and when you want to make the payment. Payments are sent electronically whenever possible. If the person or company cannot accept an electronic payment, a check is printed and mailed for you.
Who can I pay using Bill Pay?
Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.
Which bills can't I pay with Bill Pay?
You cannot use Bill Pay to send payments to addresses outside the Unites States. We don't recommend using Bill Pay to make state and federal tax payment or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.
Is my information secure?
Yes. Bill Pay uses several methods to ensure that your information is secure. It uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection. Bill Pay also uses 128-bit encryption to make your information unreadable as it passes over the Internet. It will automatically sign you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after your finish your tasks in Bill Pay.
Is my personal information kept private?
Yes. Your personal information is used to help us maintain your account and verify your identity. We verify this information with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or credit worthiness.
What kinds of accounts can I use with Bill Pay?
You can use checking accounts and money market accounts that support electronic transactions.
When is the money for the payment withdrawn from my account?
If the payment is sent electronically, the money is withdrawn from your account on the payment date. For some checks, the money is withdrawn on the payment date. For others, the money is withdrawn when the company or person deposits or cashes the check.
How do I know if a payment was sent?
You can see that status of your payments in Bill History. Payments with a Paid status have been sent.
When does the company or person receive my payment?
If the company you are paying can receive electronic payments, they typically receive the payment in one or two business days. If the company or person you are paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.
Are my payments guaranteed?
With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays. This applies when all the payment and contact information provided is accurate.
What is Popmoney?
Popmoney is an easy, fast and secure online personal payment service that lets you send, receive, and request money electronically.
How can I use Popmoney?
Pay your landlord, babysitter, your cousin, or your co-worker. People are using Popmoney to pay for things like shared phone bills, paying back a friend for lunch or sending money to your child at college.
How do I enroll in Popmoney?
If you are enrolled in Personal Online Banking and Bill Payment, then you are automatically enrolled in Popmoney.
How do I access Popmoney?
Access Popmoney by logging on to Online Banking and click on the Popmoney tab within Bill Pay.
How do I send money?
To send money you will provide Popmoney with the recipient's email address, mobile phone number or account information. You will be notified when the money has been sent.
Is Popmoney secure?
The Popmoney website is regularly scanned for security vulnerabilities by Versign and Popmoney privacy and security procedures are certified by TRUSTe. Popmoney uses one-time verification codes that are sent to the recipient's mobile device or email address where the payment notification was sent to prevent an unauthorized person from fraudulently claim someone else's payment.
What information do I need to send money?
All you need is the recipient's email address or mobile phone number.
What is the transaction limit?
For Next Day, the daily limit is $250.00 and for Standard (3 business days), it is $5,000.00.
Can I send payments outside the United States?
Payments cannot be delivered outside the United States.
What kind of payment accounts can I use with Popmoney?
You can only send money from a checking account.
When will the recipient receive the money?
This depends on the delivery option selected by the sender. If the sender has selected Standard delivery, then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day delivery, then the recipient will receive the funds 1 business days after accepting the payment.
Why didn't my recipient receive a text message even though I entered their mobile phone number?
Their mobile carrier may not support receiving text messages from Popmoney. The recipient should contact their carrier to resolve this issue.
Will my bank account information be shared with the recipient?
No, your bank account information will not be shared with the recipient. Your recipient will see your first name, last name, and the message you wrote for the payment; if you sent the payment to your contact's email address, your recipient will also see your email address. Similarly, you won't be able to see your recipient's bank account information.
Why do I need to verify my email address and phone number?
Verification of your email address and phone number is required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.
What happens when a payment someone sent me expires?
You have 10 days from the send date to deposit the payment. When a payment expires, the funds are returned to the sender. Please contact your sender to request another payment if you still wish to receive the funds.
What are the different ways I can send money to someone?
You can send money to someone using his/her: • Email address: your contact will receive an email with instructions on how to direct the payment into his or her bank account. • Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her bank account. If the recipient does not respond to the payment notification after 3 days, a reminder text message will be sent on your behalf to the recipient reminding them to act on the payment notification. You may want to tell your contact that standard Message and Data rates may apply. • Bank account information (routing and account number): the money will be directly deposited into your contact's bank account. You will also have the option to send the contact an email.
Mobile Banking FAQ
Is there a charge to use the app?
There is no charge to use the app..
Which smartphones work with the app?
It's compatible with Apple and Android mobile phone devices.
Where can I download the app?
You can download the app by searching for Touch Banking in your iTunes or Google Play store.
Do I have to be enrolled in Grand Rivers Community Bank online banking first?
Yes; you will need to enroll through the website at www.grandriverscommunitybank.com
What do I need to do once I download the mobile app?
Enter the App Code-GRCB1902 and your Username, then you will be prompted to enter your password.
Do I have to release any personal account information?
You're not required to enter any account or routing numbers to set up the app.
Once I download the app, will it require regular maintenance?
You will only need to update the app if there is a new version available.
How do I change my password?
Online banking customers simply change their password through Online Banking and use the new password for the app or they can call 618-294-8686, ext. 5000 to reset a password.
Is my account information only updated once a day?
Your account information is refreshed via real-time updating.