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Online Banking

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How do I enroll in I-Bank?

Enrollment can be initiated by clicking on Register link and filling out all of the fields for validation.  If you have any issues registering please call 607-324-1822 for assistance.

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.

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

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.

On what types of accounts am I limited to deposits/payments only?

  • Christmas Club
  • Loans

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

If the transaction is initiated prior to 4:00PM EST, it will be posted immediately. If the transaction is initiated after 4:00PM EST it will post by the next business day.

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. We suggest using an up-to-date browser so that security is up to date and it will allow the latest upgrades to our system to work correctly for you.

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.

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.

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.

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.

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 in or call us at 607-324-1822 and a representative will reset your Password.

Why am I unable to login?

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

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.

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Bill Pay

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How do I know if I am eligible for Billpay?

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

How do I subscribe to Billpay?

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.

Are there any fees for Billpay?

No — Bill Pay is a free service.

How quickly will my payments reach my payees?

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.

How quickly are billpay transactions debited from my account?

Most transactions will be debited from your account once the check has been cut by our Billpay service, however some transactions will not be debited until the check has been cashed and returned to us, the same as writing a check yourself.

Do I need any special hardware or software?

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.

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.

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.

Why do I need 128-bit encryption?

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

Is accessing Billpay private and secure?

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.

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Mobile Banking

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What is I-Bank Mobile Banking?

In short, with I-Bank Mobile, you can be sure that your banking activities are with you at all times. You can securely access your Maple City Savings Bank accounts from your mobile device to check account balances, transfer funds, find your nearest branch and ATM and more.

What can I do with I-Bank Mobile Banking and what are the requirements?

To use the mobile browser service, your mobile device must have an Internet browser and may require a data service plan. You access the I-Bank Mobile website using the link sent by SMS text message during the enrollment process

Downloadable Application

Use the downloadable application service to:

  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Find ATM and branch locations

Requirements:

To use the I-Bank Mobile Banking downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan.

Why should I use I-Bank Mobile?

The real-time convenience of I-Bank Mobile just cannot be matched by anything else. Think about all your situational scenarios where it can really come in handy:

  • When you're at the electronics store, and you see that big screen HDTV you absolutely just have to buy — play it safe and make a quick check on your account balance and make sure you have enough money before you purchase
  • How many times do you find yourself simply waiting around? If you're waiting at the DMV, or waiting at the airport for your flight — this would be a great time to get in tune with your spending habits by checking and reviewing your transaction history

Is there any cost for I-Bank Mobile?

Our mobile banking apps are free.

How do I access mobile banking from my phone's browser?

You may access mobile banking from any up-to-date browser that is installed on your device.  However due to the diferences with different browsers we do suggest using our mobile application insetad of the browser if at all possible.

How do I download the Android® or iPhone® application?

Visit the Google Play Store or Apple Store and search for Maple City Savings and it will bring up our application that you can then choose to install.

How do I deactivate mobile banking?

Call 607-324-1822 and we will be happy to assist in removing access to the mobile banking system.

What if my mobile device is lost or stolen?

Nobody wants their phone lost or stolen. But in the rare case that it does, you should contact us so we can reset the password on the account.

Can I transfer money to other banks or pay bills with I-Bank Mobile?

Yes, external transfers can be setup but it can take up to 7-10 business days for verification of external accounts.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. We will show pending transactions.

How do I know I'm downloading the real app?

You should see our logo and the name of Maple City Savings Bank.

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Mobile Banking Registration

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How can I get I-Bank Mobile?

It's really easy to get I-Bank Mobile. Here is what you will need:

  • A Maple City Savings Bank account
  • A smartphone or tablet (iOS, Android)

If you have already signed up for I-Banking you have access to your account through Mobile Banking.  You would download the application and then log into your account with your userid, password, and answer your security questions.

If you have not already signed up for I-Banking you will have to register yourself through the application or give us a call at 607-324-1822 to complete the process before being able to access your accounts.  Once registered you will have to create a userid, password and setup security questions to access the system.

Do I have to agree to the Terms and Conditions to use Mobile Banking?

Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, call (607) 324-1822.

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Mobile Banking Security

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Is I-Bank Mobile secure?

I-Bank Mobile uses leading-edge technology to help ensure all of your account information and activity is safe and secure. The security and integrity of customers' accounts and transactions are top priorities for Maple City Savings Bank.

  • Smartphones such as iPhones and Androids have very controlled and secure operating systems
  • I-Bank Mobile uses 128 bit SSL encryption just like I-Bank, our online banking application – which basically encrypts and protects any transmission of data including customer account information
  • I-Bank Mobile uses strong Firewalls just like I-Bank – which protects from unauthorized or malicious intrusion
  • I-Bank Mobile uses your Username & Password for access, just like I-Bank. And just like with I-Bank, your account will lock down after 5 incorrect attempts from your mobile device.
  • Mobile banking uses additional Security Q&A authentication for initial access to your account

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eStatements

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What are eStatements?

eStatements are electronic statements that replace your paper. You will have online access to 18 months of eStatements and front images of cancelled checks.

What software and system requirements do I need to use eStatements?

Microsoft Internet Explorer 9 or higher or Firefox 3.0 or higher, Chrome, or Safari 4.0

Cookies and JavaScript must be enabled.

Adobe Acrobat Reader 7.0 or higher is required to view and /or print PDF documents downloaded from this application.

Get Adobe Acrobat Reader.

Pop-up Blocker must be turned off or enabled for the site. Access Pop-up Blocker as follows:

Firefox users - click Tools, Options, Content to work with pop-up exeptions

Internet Explorer - click Tools, Pop-up Blocker.

An email account with an Internet service provider and email software in order to receive notices of electronic documents available.

High speed Internet connection; DSL equivalent or better connection is required for optimal performance.

How do I Sign-Up for eStatements?

eStatements are available through I-Bank, Maple City Savings Bank's online banking system. Once you are logged into online banking, click into one of your accounts, then click on the eStatement link and complete the enrollment form.

What if I want eStatements but I don't want I-Bank?

Unfortunately at this time there is not an option to only sign up for eStatements - you must be signed up for I-Banking to be able to access the eStatements.

Is my information secure with eStatements?

Yes, we take every possible measure to ensure the highest level of security. Your eStatements are only available through online banking, and, therefore are encrypted with your personal password. As always, we strongly suggest that you protect your password and do not share it. Our online banking service requires a browser that supports 128-bit encryption.

Will I continue to get paper statements mailed to me?

No, your paper statements will no longer be mailed to your home address once you sign up for eStatements.

What accounts are eligible for eStatements?

Your checking, savings, and money market statements are eligible.

How will I know my eStatement is ready?

A courtesy email from Maple City Savings Bank is sent letting you know your eStatement is ready for viewing. The email address this notification will be sent from is [email protected].

What happens if my email address is wrong or bounces back?

If you provide us an invalid email address or if a previously valid email address subsequently malfunctions, then we may, at our option, treat this as a withdrawal of your consent to receive electronic Communications.

How do I change my email address?

You can change your email address via I-Bank by going to the Options link, then edit in the Email section. If you do not utilize I-Bank, Click on Edit User Settings, then click the Change Email tab.

Will my eStatements have the same information as my paper statement?

Yes, and you will also see the front images of your cancelled checks at the very bottom of your eStatement.

What does it mean when I get a message stating "No Statements Found?"

Most likely this is either a new account and it has not yet had a statement prepared for it or the first statement cut-off date has not yet arrived. If this is not a new account and should have statement history, please contact us at (607) 324-1822.

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