Online Banking

Relax, take a break, and access your Better Banks account from virtually anywhere. All you have to do is sign up for online banking. This service can save you countless trips to the bank.


Pay bills, transfer funds between accounts to prevent overdrafts and set up email alerts.

Online Banking
Summary
  • View account history
  • View scanned checks
  • Email alerts
  • Transfer funds between accounts
  • Make loan payments from your Better Banks deposit account
  • Sign up for free eStatements
  • Accessible 24/7
  • Safe and secure

Save money on postage and checks when you sign up for online Bill Pay!

Frequently Asked Questions

How do I sign up for Online Banking and Bill Pay?

There are quite a few different ways to sign up for our Online Banking and Bill Pay service. While opening a new account or just doing your normal bank business, ask the customer service representative to provide you with an enrollment form. Another option is to call us and ask that one be mailed to you. And of course, you can always fill out our enrollment form by clicking here. After we receive your enrollment form, you will receive an Online Banking ID and temporary PIN in the mail.


What does Online Banking and/or Bill Pay cost?

Online banking is free and it is only $5.95 per month for Bill Pay but if you sign up and receive eStatements we will waive the $5.95 fee for Bill Pay.


What browsers are you currently supporting for Internet banking?

We support the current and prior major releases of Internet Explorer and Firefox. Each time a new version is released, support will cease on the third-oldest major version. We support the current release of Safari 5.1.7. *We do not support Safari 5.1.4 or 5.1.5.

Within Internet Explorer to determine which version you are using, click on HELP within the browser, then select About Internet Explorer, then a box should appear with the details.


Why am I being asked to establish a picture?

The picture is called a Watermark. The Watermark is an anti‐phishing measure that helps reassure you that you are visiting our online banking. The Watermark will display during subsequent logins and in the lower left corner of the online banking session after login is complete.


Why am I being asked to set up questions and answers?

These questions are part of the overall security system designed to help prevent unauthorized users from getting access to your online banking information. Even if someone has taken your Login ID and password they may not know the answer to your secret questions. These questions will be used to confirm your identity if you log in to online banking from a computer the online banking system doesn't recognize. If you answer one or more of the challenge questions incorrectly your account will be blocked and you will need to contact the bank to have it unblocked.


Why am I being asked to enter phone numbers?

In addition to the three security questions, you may enter up to four phone numbers for the identity verification process. Again if your activity is out of your normal pattern, you can opt for an automated phone call by clicking the "Optional Authorization" button to pass the challenge in lieu of answering the challenge questions.


What if I have forgotten my Online Banking password or am locked out of my account?

If you have enabled the 'forgot password' sections within internet banking then you can click the Forgot Password link under the login. If you have not enabled that feature than please call the bank at 309-272-1000 and ask to speak to someone regarding your Online Banking account, or stop by any of our locations. We will ask you for your Online Banking ID as well as have you verify other information before issuing you a temporary password that you will change during your next login.


I clicked on the Forgot Password link but it says it is not enabled for my account. How do I enable this feature?

You must set up this feature in Online Banking before you can use it. To enable the 'Forgot Password" link you must first be logged into Online Banking. Once logged in go to the 'Options' tab and complete the 'Modify Personal Settings' section and click submit at the bottom. Once complete, anytime in the future that you are locked out or forgot your password you will be able to click on the 'Forgot Password' link to reset your password.


How do I add a new account to my Online Banking list?

There are two different ways this can be done: 1. Stop by any of our locations and fill out and sign a form to add your account or 2. Log in to Online Banking and click on the Contact tab to send us a secure message requesting to add an account.


Can I transfer funds to accounts outside of the bank?

No, for your protection we do not allow any transfers from your online banking to accounts outside of Better Banks. This is a security feature that we have enabled to help prevent against any fraud should someone other than you get control of your online banking account.


How do I go about choosing a Login ID?

Choose a strong Login ID that combines letters and numbers. Your Login ID must be between 4 and 25 characters, consist of 1 or more letters, numbers are allowed. The following special characters are allowed: + _ % @ ! $ & *


How do I change my picture?

Once an image is selected, you can always access the image library to make a new selection under the Options tab.


Is there a time limit for online sessions?

There is a 10–minute inactivity timeout to protect your account should you forget to sign off.


What are Alerts and how can I use them?

Alerts allow you to set up reminders and receive notifications so you don't miss payments and can be notified of changes to your account. To set up Alerts, go to the OPTIONS tab and click Alerts under the tabs. Select Add Alert under each category to create a custom alert.


How do I rename an account?

To rename an account, click the Options tab and choose Account. Then type your new account name in the New Account Pseudo Name column.


I've changed my email address and now need to change it with the bank. Where do I do that?

You may change your email address within Online Banking under the OPTIONS tab, choose Personal and under Modify Personal Setting enter your new email address twice and click submit at the bottom.


How do I set up a loan payment for my Better Banks loan?

If you have both a checking or savings and a loan at Better Banks, to make the loan payment you will set-up a transfer from checking to the loan. Only use bill pay for loans outside the bank.


How do I end my online banking session?

Click the Log Off at the top right corner of the screen.


Bill Pay - Frequently Asked Questions

I set up a payment today. When will the payment be sent?

Processing occurs twice daily – the first of the day at 2:00 AM Central Time, the second at Noon Central Time.

The payment will be processed on the date scheduled at the earliest possible processing time. If the payment was scheduled with today's date and the last processing time has passed, the payment will be processed at the next possible processing time. For example:

• Payment scheduled with today's date and entered at 9:00 AM Central will process today at Noon Central.

• Payment scheduled with today's date and entered at 1:00 PM Central: will display tomorrow's date and will process overnight at 2:00 AM Central.

• Payment scheduled with future date, regardless of time entered will process at 2:00 AM Central time on the scheduled date.

• Payments do not get processed on holidays or weekends. If a scheduled payment falls on a holiday or weekend, it will be processed on the Friday before the weekend, or the last business day before the holiday.


How long does it take a payment to reach the payee?

For electronic payments, allow 3 to 4 business days from the date the payment is submitted.

For check payments, the check will be in the mail on the same day the payment is processed. The check is printed and mailed from in Oklahoma City, OK. Allow 5 to 7 business days for a check payment.


How do I make sure my payment arrives on time?

The date the customer enters when scheduling a payment is the processing date, not the date the payee will receive payment.

• For check payments, select a processing date of 5 to 10 business days in advance of the due date.

• For electronic payments, select a processing date of 3 to 4 business days in advance of the due date.


What payment frequencies are available?

Payments can be set up in any of the following frequencies:

• Weekly

• Bi-weekly

• Monthly

• Semi-monthly

• Quarterly

• Annually

• Semi-annually

A recurring scheduled payment can be set up in advance to any date in the future. A 'one time' payment can be set up to be processed up to 5 years in the future.


How do I know if my payment was sent?

If processing has not occurred, then you can review your scheduled payment list online under Scheduled Payments.

If processing has occurred, you may review up to 19 months of you payment history online.

You can also establish an alert that generates when the payment is processed. To do this, log into Online Banking, navigate to the Options tab, go to Alerts, click Edit Event Alerts, and select Bill Payments Paid. Then on the individual payment, select the Alert when payment is processed box, found on the Add Payment page or by going to Edit on a scheduled payment.


What is the cut off time to enter, edit, or delete a payment?

You may add, edit, or delete a payment up to 2:00 AM Central Time on the day the payment is scheduled to be sent.

If a same-day payment is submitted between 2:00 AM Central Time and Noon Central Time it may be edited up until Noon Central Time.


Can I use Bill Pay if I live outside the U.S.?

Yes. However, you cannot pay bills to payees located outside the United States.


When will the money be taken out of my account?

Electronic payments: Funds are debited at the time the payment is processed.

Check payments: Funds are debited from your account when the check is cashed by the payee.


What if I do not have enough money in my account?

Check payments are processed in the same manner as for a regular check written out of your checkbook. If you do not have the funds in your account when the check is cashed you may incur an overdraft fee or the check may be returned.

Electronic payments are verified against the funds in your account during processing. If the funds are available, the account selected for the payment will be debited and the payment will be sent.

If the funds are not available, the payment will not be processed. The payment will be resubmitted at each subsequent processing time until:

• The funds are in the account to make the payment,

• You delete the payment,

• The payment's expiration date arrives, or

• The account being debited for payment is closed.

We recommend establishing an Event Alert in the Options tab online to receive an alert if bill payments are not processed due to Non-Sufficient Funds.


The payee didn't receive my payment. Can I stop payment on a Bill Pay check?

Yes. The stop payment would be added in the same manner as for a regular check written out of your checkbook. Please contact us to place at Stop Payment.


Can I stop payment made to an electronic payee?

No. Electronic payments are credited to the payee via ACH. You will need to contact the payee to make arrangements for reimbursement with the payee directly.


Are there merchants that cannot be paid through Bill Pay?

No, as long as they are in the United States. Any merchant that is on the electronic payee database can be paid 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 as 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.


How do I set up a loan payment for my Better Banks loan?

If you have both a checking or savings and a loan at Better Banks, to make the loan payment you will set-up a transfer from checking to the loan. Only use bill pay for loans outside the bank.


How are Holidays and weekends handled?

Bills do not get paid on holidays or weekends. If a SCHEDULED bill 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.


Online Banking Tips

1. Use Internet Explorer 7.0 or above with current patches.

  • To install the current patches, from your browser go to Tools > Windows Update.

2. Cookies must be enabled.

  • This can be verified from Tools > Internet Options > General Tab > Settings. Make sure that "Never" is not checked.

3. JavaScript must be enabled.

  • This can be verified from Tools > Internet Options > Security Tab > Custom Level > Active Scripting. Make sure that "Enable" is selected.

4. Clear cache.

  • This can be done from Tools > Internet Options > General Tab > Deleted Cookies & Delete Files.
  • To ensure that the cache is completely cleared first close all browsers, open one new one, and then clear the cache.

5. Ensure that privacy settings are not too high.

  • This can be done from Tools > Internet Options > Privacy Tab. "Medium" is recommended.

6. Add NetTeller, our online banking system, to your list of trusted sites for your firewall.

  • This can be done from Tools > Internet Options > Security Tab > Click on the Trusted Sites Icon > Sites.
  • Make *netteller a trusted site on the browser

7. If you are using a pop-up blocker, add *netteller.com to the trusted sites.

  • Procedures will vary depending on the pop-up blocker being used.
  • Close Browser before trying to login again.

General Troubleshooting:

  • Date and time on the PC must be correct
  • Using a pop up blocker? Disable it and try again
  • If the browser is using a pop up blocker, make *netteller.com a trusted site
  • Try to log in from a different PC. If unsuccessful, please contact the bank.