Q. How do I sign up for Online Banking?
A. To sign up for Online Banking, go to our main page and click on “Apply Now” for personal accounts and “Business Users Apply Here” for any business accounts.

Q. How long is the usual waiting period before I can start using my Online Account?
A. Before your Online Application can be approved, you must first print, sign and send in the Online Banking Enrollment Form which is Step 4 of the application. Once we have received your application you will usually be accepted within 3-5 business days.

Q. I have been approved, received the confirmation email and I am able to sign in, but I am unable to see any of my accounts online.
A. Once approved please allow 48 hours in order for you to be able to access your account. If the problem persists, please call 201-823-0700.

Q. I am trying to sign-in to the system but I am unable to log in. An error message stating “Incorrect Log-in and/or Pass code” is being displayed.
A. Your Access ID and your Pass code are Case-sensitive; if your Access ID at sign up was “JSmith” entering “jsmith” will not work. If the problem persists, please call 201-823-0700.

Q. What type of accounts am I able to access through Online Banking?
A. You can add all types of accounts such as Checking, Savings, CD’s, Money Markets and Loans. There is no limit to how many accounts you can link to your online account. However, you must be a Primary/Secondary Owner or an Authorized Signer on the requested account.

Q. What do I do if I am unable to print out the Online Banking Enrollment Form?
A. If you are unable to print or have lost the enrollment form, blank forms can be obtained at any of our branches from a customer service representative.

Q. Am I able to sign up for Online Banking at the bank?
A. At the current time you must sign up for Online Banking using a home computer. We are currently working on ways to have our customers sign up for Online Banking at all of our branches. We will keep you updated.

Q. Will I receive any charges for the Online Access? Will I be charged per BillPay usage?
A. No and No. Your Online Access is free. BillPay is also free, no matter how often or infrequent your uses are.

Q. How can I link additional existing accounts to my Access ID?
A. Once you are logged on to Online Banking click on the user services tab and then on “New Online Account”

Q. How do I add more billers to BillPay?
A. Click on the “Payments” tab, choose the selection most appropriate for the type of payment you will be making and follow the prompts.

Q. Why is my balance not up to date? Is there a delay in the system?
A. Our Online Banking system runs in “Real Time” which has up to date balances.
In order to get an up to date balance click on “Details” for the account you wish to view. On your account’s page click the “Update Balance” button; after the page has refreshed you will be able to view your adjusted balance.

Q. Why am I unable to see any of my prior transactions?
A. The Online Banking system only shows transactions from the day you signed up through the current day.

Q. Am I able to add accounts belonging to my family to my Online Banking Access ID?
A. You are able to add existing accounts as long as you are a primary or secondary owner or Power of Attorney signer on the account in question.

Q. Would I be able to transfer money from my Savings or Money Market accounts to my other accounts?
A. Federal regulations restrict the number of transactions that you can make from Money Market and Savings Accounts. You may NOT make more than SIX (6) pre-authorized electronic transfers, which include computer initiated transfers, telephone transfers, checks, and point-of-sale transactions during a given monthly statement period. Violators will be charged a fee of $25 per transaction after the allotted SIX (6) transfers.

Q. What if I’m away for an extended period of time; will my account be deleted for “low usage”?
A. Generally if your account is inactive for 6 months your account will be deleted from our system. Upon deletion, if you want access to Online Banking you will need to reapply. You will NOT be able to reuse your previous login and any history you had with your prior login will be inaccessible.

Q. How do I know how secure your site is?
A. Encryption – Online Banking uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Online Banking. Your browser automatically activates this technology when it attempts to connect to our Service. Online Banking requires a browser that supports 128-bit encryption and will warn you if your browser does not meet this requirement.
Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.
Both Netscape Navigator and Internet Explorer support SSL, and many Web sites use the protocol to obtain confidential user information, such as credit card numbers.

Q. Will any of my information be shared with others?
A. It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

• Where it is necessary for completing transactions;
• Where it is necessary for activating additional services;
• In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
• To consulting firms, in an aggregate non-personally identifiable format, for research and product improvement purposes only;
• In order to comply with a governmental agency or court orders; or
• If you give us your written permission.
• We share information concerning a customer's account history and experiences within the bank. Bayonne Community Bank DOES NOT disclose nonpublic personal information about you to any outside organization other than for the support or promotion of the bank products and services or as required by law.

Please refer to our privacy notice for additional details on disclosure of account information.

Q. What is the minimum balance I must maintain?
A. There is no minimum balance you must maintain in order to keep your Online Banking access.