Online Banking & Bill Pay

Online Banking & Bill Pay

Summary

Imagine never having to wait in another bank line. Sign up for I-Bank online banking and fall in love with your new normal. Manage your accounts on your own time. View real-time balances, transfer funds, pay bills, and more. It's simple!

  • Save time and money
  • Manage accounts anywhere, anytime with I-Bank
  • View account balances in real-time
  • Track past transactions
  • Make deposits to other accounts
  • Transfer funds between accounts
  • Use bill pay
  • Send money to businesses or individuals
  • Save postage money
  • Set up e-alerts to notify you of due dates
  • Set up automatic bill pay for recurring payments
  • Access eStatements
  • Safe and secure
FAQs

General FAQs

Simply click the question to view the answer.


Q. How do I enroll in I-Bank?

Enrollment is initiated by filling out an online application. Once you apply, you will receive a welcome letter in the mail within three to five business days, which will include your initial Password and your Access ID.


Q. Are there any fees to bank online with I-Bank?

There is no charge to use or to make transfers between Maple City Savings Bank accounts. See our regular schedule of fees and charges to find out how much and when other fees and charges may apply, such as overdraft, check reorder and stop payments, to name a few. All fee schedules are subject to change.


Q. What accounts may I view using I-Bank?

  • Checking accounts
  • Savings accounts
  • Individual Retirement Accounts (IRAs)
  • Mortgage Loans
  • Home Equity Loans
  • Consumer Loans
  • Property Improvement Loans

Q. What types of accounts may I do transfers in and out of?

  • Checking
  • Flex Statement Savings
  • Money Market

** Note: Accounts must be under the same ownership to transfer between them.


Q. On what types of accounts am I limited to deposits only?

  • Christmas Club
  • Daily Savings

Q. How quickly are I-Bank transactions posted to my account?

If the transaction is initiated prior to 6:00PM EST, it will be posted immediately. If the transaction is initiated after 6:00PM EST Sunday through Friday, it will post by 7:30AM EST on the next business day. If the transaction is initiated after 6:00PM EST on Saturday, it will post by 7:30AM EST on the following Monday.


Q. Do I need any special hardware or software?

The minimum requirements to use I-Bank are an Internet connection with a 128-bit encryption browser configured to accept cookies. Supported browsers are: Apple Safari 4.0, 5.0, Apple Safari 5.0 for MAC, Chrome 15.0 & 16.0, Firefox 7.0 and above, Google Chrome 9.0, Microsoft Internet Explorer 9.0 and above, Opera 10.0 and Opera 11.0.


Q. How do I check my browser version and encryption level?

In your browser, you will need to go to your menu option HELP. Select ABOUT from the drop-down list. The next screen to appear will detail both your current browser version and encryption level.


Q. What if my browser does not have 128-bit encryption?

If your browser does not have this encryption and you have the proper browser version, you can find information on how to upgrade your browser at www.microsoft.com.


Q. Why do I need 128-bit encryption?

This is the safest level of encryption available on the Internet today. It allows I-Bank to transfer account information on a secured level.


Q. Is accessing I-Bank private and secure?

Yes. We use a system of firewalls that serve as an immune system to protect our information from unauthorized intruders. The system continuously monitors for any indications of a breach. Additionally, we use and require you to use a browser that supports 128-bit encryption. Also, we use an automatic "time out" system that will automatically log you off if, after 20 minutes of inactivity, you have not logged yourself off.


Q. What do I do if I forget my Password?

Click on the "Did you forget your password?" link, re-enter your Access ID and your password will be forwarded to the email address we have on file. If you are unable to retrieve your email, stop into Maple City Savings at 145 Main Street, Hornell, NY Monday, Tuesday, Wednesday, or Friday between 9:00AM and 4:00PM, or Thursday between 9:00PM and 6:00PM or call us at 607-324-1822 and a representative will reset your Password.


Q. Why am I unable to login?

Make sure you are entering your Access ID and Password properly. Both are case-sensitive.


Q. Why am I receiving an error message?

  • Enterprise Server Unavailable: A connection cannot be established with Maple City Savings at this time. This is usually a temporary situation. However, there are times when the site may be down for scheduled or unscheduled maintenance. Try your connection again or at a later time and if you are repeatedly having difficulties, check with your Internet Service Provider (ISP) or Maple City Savings because there may be a connectivity problem.
  • Insufficient Funds: The account does not have sufficient funds to complete the transaction you are attempting. The account's available balance may not allow the entire transaction amount. Change to a smaller amount and try the transaction again. Contact us if you still cannot process the transaction.
  • Invalid To Account: The account you want to process a transaction to is not a valid account type. The account type may not be available for this request or may require special handling by Maple City Savings. Contact us for more information.
  • Invalid From Account: The account you want to process a transaction from is not a valid account type. The account type may not be available for this request or may require special handling by Maple City Savings. Contact us for more information.
  • Memo Post Unsuccessful: The transaction was rejected. Try to process the transaction again. Contact us if you still cannot process the transaction.
  • Your Certificate Has Expired: Login not accepted. Upgrade your Internet browser and attempt to log in again. Contact us if you are still unable to log in.
  • An inactivity limit has been reached, and your online session has expired: As a security feature, customers are automatically logged off after 20 minutes of inactivity. Click 'Back' and login again.
  • Login Information Is Missing Or Invalid: If you are logging on, Access ID and/or Password is missing or incorrect. Verify that both were typed correctly; both are case-sensitive. Note: After five unsuccessful login attempts, we will need to perform account maintenance. Contact us if that occurs. If you are processing a transfer, you may not be allowed to transfer funds between the two accounts. Contact us to determine whether or not you have transfer capability.
Bill Pay FAQs

General FAQs

Simply click the question to view the answer.


Q. How do I know if I am eligible for Billpay?

A. If you have an existing Business Checking, NOW Checking or Free Checking Account with Maple City Savings Bank, you are eligible to enroll in billpay.

Q. How do I subscribe to Billpay?

A. First you must subscribe to I-Bank. Once you have received your login information for I-Bank and login for the first time, you subscribe for billpay by clicking on the Billpay Enrollment button in your I-Bank Internet Banking application. If you are an existing I-Bank customer, you will need to contact Maple City Savings and ask to have the service turned on. Once the service has been turned on for your I-Bank account, the Billpay Enrollment button will appear inside your I-Bank application. Once you have enrolled, you will receive an enrollment notice via your email address that you provide during the enrollment process.

Q. Are there any fees for Billpay?

A. No - Billpay is a free service.

Q. How quickly will my payments reach my payees?

A. While it is anticipated that most transactions will be delivered by the Estimated Delivery Date, it is understood that due to circumstances beyond our control, particularly delays in handling and posting payments by slow responding Payees or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to the Payee account. The Estimated Delivery Date we provide must be the bill's actual due date or earlier, not the late date and/or a date in the grace period. Payment scheduled after the Cutoff Time or on non-Business Days will be considered entered in the Bill Payment Service on the next Business Day.


All reasonable efforts to deliver all payments will be made in accordance with your Payment Instructions. However, we shall incur no liability because of the existence of any one or more of the following circumstances:


If, through no fault of ours, any designated Pay From Account does not contain sufficient funds to complete the transaction and is canceled by us.

The Bill Payment Service or Online Banking is not working properly and you know or have been advised by us through the communication method of our choosing about the problem before the subscriber executes the transaction;

The Payee mishandles or delays processing a payment sent by us;

You have not provided us with the correct name, address, phone number, or account information for the Payee, or you have not provided us with accurate personal information, or you have otherwise provided incomplete Payment Instructions.

Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

You may cancel payments prior to 3:00 PM on business days. There is no charge for canceling a payment.


Q. Is there a Demo of the Billpay Products?

A. Yes, you can access our demo by clicking

I-Bank Billpay Demo…

Q. How quickly are billpay transactions debited from my account?

A. All transactions will be debited from your account after 3:00 PM Eastern Time on the day you have scheduled the payment for.

Q. Do I need any special hardware or software?

A. The minimum requirements to use Billpay are the same as the minimum requirements for I-Bank; an Internet connection with a 128-bit encryption browser configured to accept cookies. The recommended browser is Microsoft Internet Explorer 6.0 or higher.

Q. How do I check my browser version and encryption level?

A. In your browser, you will need to go to your menu option HELP. Select ABOUT from the drop-down list. The next screen to appear will detail both your current browser version and encryption level.

Q. What if my browser does not have 128-bit encryption?

A. If your browser does not have this encryption and you have the proper browser version, you can find information on how to upgrade your browser at www.microsoft.com.

Q. Why do I need 128-bit encryption?

A. This is the safest level of encryption available on the Internet today. It allows Billpay to transfer account information on a secured level.

Q. Is accessing Billpay private and secure?

A. Yes. Our billpay provider uses a system of firewalls that serve as an immune system to protect your information from unauthorized intruders. The system continuously monitors for any indications of a breach. Additionally, we use and require you to use a browser that supports 128-bit encryption. Also, we use an automatic "time out" system that will automatically log you off if, after 20 minutes of inactivity, you have not logged yourself off.

Security Features

Set Payment Threshold - you will have the ability to set a maximum payment amount and receive email notification any time a payment exceeds that limit.

Set Payee Threshold - you will have the ability to set a maximum payment amount at the payee level. You will receive email notification any time a payment to that payee exceeds that limit.

eNotifications - you may keep track of your bill pay activities through email notification upon logout, after an event occurs, or on a recurring basis.

Inter-bank Transfers - allows you to move funds from Maple City Savings to another institution with a few single clicks.

Email Payments - allows you to send funds to anyone in the U.S. with an email address and bank account.