Online Banking
To learn more about Online Banking, click here to visit our New Online Banking Educational Center.
Welcome
BankORION Online Banking service is a convenient, easy way to keep track of all your accounts, quickly obtain balance inquiries, pay bills, view account histories, and more!
Through a computer with Internet Access, this online banking service allows you to:
- View account balances, actual statements, account history
- View up to 24 months of transaction history from date of enrollment
- View imaged checks on-line
- Transfer funds between accounts
- Pay bills electronically
- Send and receive secure electronic messages
- Buy Savings Bonds
- Receive e-statements
First Steps First
Getting started is as simple as getting online and visiting our web site at www.bankorion.com.
- Access BankORION's web site at www.bankorion.com or make the process even easier by making this web site your starting or home page.
- Click on the words "Online Banking" or click on the "Online Enrollment" button on the BankORION home page.
- After you have been approved for Online Banking log in using the User ID and Passcode you selected when you applied.
Fees for the Online Banking Service
The Online Banking service is available to our existing consumer and business account customers at no monthly charge for all the account information services and transfers, with the exception of the Bill-Payment feature. The Bill-Payment feature is an optional service for all checking accounts. You must specifically request to have this service added. The Bill-Payment service has a monthly flat fee of $5.00 per "Bill Pay" account, for an unlimited number of payments on each account that has been enabled for the service. The monthly fee will be charged in addition to any other fees associated with the account and the charge will show on your monthly statement. Commercial customers using "Commercial Services" such as ACH Origination will also have fees associated with this feature. Bill pay fees for "Commercial Customers" is $10.00 per month.
An authorization form must be signed in order to receive bill pay services on a checking account. You may receive your form by contacting our Customer Service Department at 877-526-8011.
If a check is returned NSF through our bill pay system the fee for a returned check is $25.00.
Payment Center
Keeping track of payments is easy with the Payment Center. From the Payment Center you can:
- Pay bills from different accounts, keep track of available balances, conveniently schedule and make payments, and view new e- bills in the Pay Bills module.
- See what bills need to be paid and set up helpful reminders in the "Bill Reminders module."
- View what payments are currently scheduled and easily cancel payments in the Pending Payments module.
- Keep track of the bills you have recently paid and link to an in- depth bill history to view payments made in the last six months in the Recent Payments module.
Add a Bill
A biller is any person or company to which you make payments, such as utility providers, credit card companies or even your baby-sitter. Some billers can send you e-bills – electronic billing statements that save you even more time.
Tip: Have a bill or statement from each biller handy. You will need to know your account number with the payee in addition to the payee address and phone number.
STEP 1: On the “Add A Company or Person” page, choose the format you’d like to use for entering your bill information – either “Quick Add” or one of the other “Custom Add” options. Then click “Continue.”
STEP 2: For “Quick Add,” enter the company or person you want to add, enter the phone number and click “Find.” If the person found is correct, click “Add.” For “Custom Add,” enter the requested information about the company or person and click “Continue” to add.
REQUESTING E-BILLS
Some large companies can send electronic "e-bills" directly to your bill pay service. You get the same information as on your paper bill, and you can even store e-bills up to six months for easy online reference.
There are two ways to activate an e-bill - you can choose to receive e-bills during the initial "Add A Bill" phase or you can also set up an e-bill later.
STEP 1 - Click on the "Make A Payment" and from the payee list select the vendor of your choice with e-bill capabilities.
STEP 2 - Once you've chosen the biller, click "sign-up" under the e-bill column.
STEP 3 - If you would also like to receive e-bills in your e-mail, also click the "Add e-mail notification of electronic bill" option.
STEP 4 - If you would like the bill pay service to automatically pay the e-bill when it is received, click on "Add an automatic payment" and enter the desired method of payment. You can even set a maximum dollar amount limit.
STEP 5 - Click "Continue."
RECEIVING E-BILLS
When you log on to the Payment Center, you will be notified of your new e-bill to the left of the biller’s name in the “Pay Bills” module. Click the e-bills icon to the left to see your statement – just like a paper bill, but easier. Or if you have opted to receive e- bills through e-mail, you will receive an e-mail notification that the e-bill is ready for viewing.
SCHEDULING PAYMENTS
Use this feature to pay multiple bills at one time. Your account information is already there – just fill in the amounts and payment dates to pay all your bills in minutes.
STEP 1: Click the Payment Center link.
STEP 2: Enter the amount due for each bill as shown on your billing statement or e-bill.
STEP 3: Enter the dates on which your payments are due.
- If your payment is due on a weekend or holiday, schedule it for the nearest prior business day.
- It may take up to 4 business days to process your payment, so make sure to schedule payments at least 4 days in advance. For instance, if your payment is due on Friday, schedule it by the previous Monday.
SCHEDULING AUTOMATIC/RECURRING PAYMENTS
Use this feature to pay regularly occurring bills for a set amount – your rent, tuition, or loan payments. Select a biller and fill in the amount, first payment date, payment end date and frequency or indicate to pay until further notice. You can also specify a different amount for the final payment (see Scheduling Payments above for important notes on scheduling payment dates).
STEP 1: Click the “Manage My Bills” link. Click on the drop-down list of biller names and choose the biller you want to automatically pay.
STEP 2: Click “Add an automatic payment.”
STEP 3: Enter the first payment date.
STEP 4: Enter either the number of payments, the last payment date, or select “Pay until further notice.”
Accounts
Accessing updated account information has never been so convenient. You never need to wait for a monthly statement in your mailbox again! Account information is updated daily for your convenience, reflecting ATM withdrawals, direct deposits, checks that you have cleared, online payments - all your daily transactions - just click on the history button in your account information. (History holds for 90 days)
- The "Accounts" summary screen displays all your online accounts and balances. Use the links in the "Make a Selection" column to view an account's monthly details, statements, transaction history or transfer funds from one account to another. Your BankORION account statement begins with the date of enrollment and will hold statements for 24 months.
Tip: To properly log off of your Online banking session, be sure to always click "Logout", located in the Menu area at the top of Online banking pages. As an additional security measure, we recommend you completely exit your web browser application to insure that the account information you viewed is not accessible to unauthorized parties.
QuickBooks Downloads
Now you can download your account information into QuickBooks 2006-2008. Just go to the History page, set the date range for the information you would like to download and select your format. Click the "Download" button.
Transfers or Cash Management
Transfers
Transfer money easily by locating the "transfer link" or "multi-transfer link" under the Accounts Menu at the top of your Online Banking page.
Cash Management
Internet Commercial Services save businesses time and their employees time. A streamline process that offers increased privacy in a secure environment. Commercial Services allow:
- Direct deposit of employees' payroll checks
- Offer business customers the convenience of direct debiting of customers accounts for services.
- Conveniently pay Federal Taxes (EFTPS) online.
The "Cash Management" menu displays all the available services that you have enrolled in. Use the appropriate links on the menu to begin initiating any of the above transactions.
User Services
Here's where you can change your Passcode, update your address, reorder checks, or request documents from your financial institution. Follow the prompts on your screen to use any of these functions. You can also send secure email messages to your financial institution or find contact information
Tip: It's a good idea to change your Passcode every few months. Pick a Passcode that contains both numbers and letters, is not a word that can be found in the dictionary and is something you will remember. Do not write it down and do not tell anyone.
Messages
Once you are securely logged into your Online Banking you may send us a secure message by using the "Services" Tab on the menu bar located at the top of the page. Select the Bank Mail option. Click on "new" and fill out the message form and click "mail" to submit. Your mail will be answered by the BankORION Customer Service Department during normal business hours.
Liability for Unauthorized Use
You must notify BankORION immediately if you believe your User ID or Passcode has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Contact us immediately at (877)-526-8011 to keep your possible losses to a minimum. If you believe that an unauthorized transfer or payment may have occurred, we may require you to sign an affidavit.
If you tell us within two banking days after you learn of a loss or error, you can lose not more than $50.00 if an unauthorized person used your Access ID or Passcode without your permission to process a transaction.
Security
When it comes to your money, we know that security is the number one issuer. With the our state-of-the-art Online banking solution, to prevent outside interference, it's like having a bank vault available anywhere, anytime.
Download the latest 128-bit encrypted browser for increased security.
Enrollment
You can sign up online by accessing: Online Banking Enrollment
It's Easy to Navigate
Go into our web site www.bankorion.com and look the login box. You can securely log directly into Online Banking from our home page and perform transactions.
Who to Contact
If you have questions about transactions or bill payments that you have conducted over the Internet, contact us, or phone our toll-free number 877-526-8011. Remember, you can also send secure electronic messages to your financial institution in the "Services" screen.
