Home | Contact Us | FAQ | Security
Check Reorder | Locations | Remote Deposit | Transfer Agent
          Investor Relations | REO Properties
           
FAQ
.........................................

Go to FAQ for:
















   New Features and Functions in Online Banking:
  • There is a new Profile Nickname feature the Online Banking you can set up. It displays a welcome statement upon each successful login. Along with the new nickname and last log in information, a Contact Us link appears for quick access to send a secure message to us at BCB Community Bank.
   
  • "Actions" menus replace the "Make a Selection" links (such as on the Account Summary page for detail, statements, etc.) and many button options that exist in the Online Banking system today.
   
  • Many of the current navigation tabs in Online Banking now support sub-menus to give an alternative navigation method to get to the features that you use most often.
   
  • From all pages within Online Banking you will be able to quickly adjust the font size. Within the User Services section, you can set a default font size to be remembered for your future sessions.
   
  • An Urgent Message Bar will now appear at the top of Online Banking pages when you have any unread urgent messages waiting.
   
   
   
Online Banking FAQ's
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. You can also visit any branch to sign up.

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. 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. How are the balances on pages such as the Transfer page displayed?
A. On pages that display a list of accounts from which a transfer can be made, this balance is displayed beneath the account as it is selected from the account list. As the account in the list is changed, the balance will also change.
    Note: For liability accounts the appropriate balance should display based on whether the account is chosen in the "from" or "to" list.

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 just do not have a printer at home visit your local branch. A BCB Community Bank employee can assist you with the remainder of process.

Q. Am I able to sign up for Online Banking at the bank?
A. A BCB Community Bank employee at any branch can assist you with joining Online Banking.

Q. Will I receive any charges for the Online Access? Will I be charged for Bill Pay usage?
A. Online Banking and Bill Pay are free services provided to our customers.

Q. How can I link additional existing accounts to my Access ID?
A. Once you are logged into online banking simply click on "Add an Account" Add Icon icon located at the top of the page.

Q. How do I add more billers to Bill Pay?
A. In the payments section of online banking simply click on "Add a Bill."

Q. How can I schedule a Principal or Interest only loan payment?
A. If you have the ability to schedule a loan payment, choose Schedule Loan Payment from the Transfers menu. Next choose Specify Principal or Specify Interest from the Actions menu on that page. Fill in your information and go!

Q. Why is my balance not up to date? Is there a delay in the system?
A. Available balance is the amount of money in your checking or savings account that is currently available to you. Monies that have not been presented to BCB or are being held have not been updated.

Q. Why am I unable to see any of my prior transactions?
A. Online Banking allows you to view the last 2 years of transactions from the time you registered to use Online Banking.

Q. What if I'm away for an extended period of time; will my account be deleted for "low usage"?
A. Accounts are deleted after 12 months of inactivity.

Q. What is the minimum balance I must maintain?
A. Each account requires a different minimum balance.
Click here for Checking
Click here for Savings
Click here for Business Account
   

Q. How can I find help in Online Banking?
A. Help is just a click away….simply click the Help/information icon on the top right corner of any page.

Q. Where are the links on the Accounts page (detail, statement, etc.) located now?
A. These are now located in an Actions menu you will find on the same line as your account on the Accounts Summary page.

Q. Is there a time out feature? What happens when my session is about to time out?
A. Yes, the time out feature is set to activate when your session has been inactive for 10 minutes. One minute before your session times out, a warning appears counting down the final minute before your session is made inactive. To continue your session click OK in the warning window or click a menu or link within Online Banking to keep your session active. The counter will automatically be reset at that time and the warning window will automatically close.

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. BCB 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 web browsers are supported with online Banking?
A. Many browsers are supported. Below are the browser and settings requirements for Online Banking access.
  • Supported – Full functionality of Online Banking has been tested and successfully meets functional and all minimum design requirements.
  • Allowed – Functionality of Online Banking has been tested and successfully meets functional requirements. Design deficiencies and some functionality issues may occur.
  • Unsupported – Browsers not specified in the matrix below are unsupported. Online Banking has not been tested with unsupported browser.
 
Browser Compatability Information
 


   
   
   
About Us | Online Privacy | Privacy Practices | FAQ | Calculators | FDIC Deposit Insurance | Easy Switch
©2014, BCB Community Bank. All Rights Reserved.
SBA Loan