What is The Central National Bank of Alva's I-Bank?
I-Bank is real-time access to your Central National Bank of Alva account information, including checking your account balances, transferring funds between accounts, and sending secure Bank Mail to The Central National Bank of Alva at any time. The types of accounts that can be accessed include Checking, Savings, Certificates of Deposit, IRA's and Loans. You may also utilize the Bill Pay option, which allows you to pay your bills online. Additional features include a transaction search, the ability to download transactions to Personal Financial Manager software, change of address and stop payment online requests and an easy- to-use loan calculator, and immediate access to your online check images. That's right! You can see your checks online as they arrive.

What additional features does the Bill Pay option include?
The Bill Pay feature gives you the ability to pay all of your bills from your home or business computer. You can set it up to pay any vendor you wish. Simply enter the payment and address information and schedule of payment. That vendor will always be there for you to see. You can set up future dated and recurring payments, which will save you time and worry. You can also check the status of your payment, allowing you to more closely monitor the payment process.

How can I enroll for I-Bank?
For maximum security, we ask that you come into the bank and fill out a very short application. We will then assign you a PIN, which the software will ask you to change the first time you log on. This way, we know you are the only one with access to your financial information and after the first time you log on, you are the only one who knows your PIN. Remember: Your PIN must be at least 8 characters in length.

Is I-Bank secure?
Yes. The Central National Bank of Alva has taken strong measures to ensure that your information remains secure and confidential. The first step is the use of a secure browser. Certain browsers and certain computers have the ability to communicate securely by scrambling the information as it passes across the Internet. The method of communication is called SSL, or Secure Sockets Layer. We require the use of a secure browser before a connection can be made to I-Bank. After you reach us using a secure browser, we take measures to make sure your information is kept secure and confidential.
Your information passes through a firewall, which is a computer specifically designed to keep out unauthorized users. For security purposes, I-Bank requires you to enter two sets of numbers: your Access ID and a Personal Identification Number (PIN). You should memorize your PIN, and it should only be known to you.

Who can access my account information over the Internet?
Your Personal Identification Number (PIN) should only be known to you. Unless you have compromised your PIN by revealing it to someone else, you are the only one who can access your account information using I-Bank.

Why is it important to select "Exit" when I'm finished using I-Bank or when I walk away from my computer?
For your security, I-Bank will automatically end your session if there is no activity on the site for 2 minutes. However, to reduce your risk of exposure, it is always better for you to end your session by clicking on Exit.

When is I-Bank available?
I-Bank can be accessed 24 hours a day, 7 days a week. Perform your banking when it's convenient for you. I-Bank can be accessed using any Internet Accessible PC, at home, at work or while traveling.

Is there special hardware or software needed to access I-Bank?
I-Bank does not require any Special Hardware or Software. However, we recommend that you utilize a PC equipped with at least a 33.6 KBPS modem to speed up access. In addition, we recommend that you utilize an Internet Browser with 128-bit encryption such as Microsoft Internet Explorer 4.0 or higher, or Netscape Navigator Version 4.0 or higher. If you are not sure of the speed of your modem or the version of your Internet Browser, please contact your computer manufacturer, or local computer technician.

What if not all my accounts appear on my account list?
You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service to request that it be added.

If I have additional questions who should I contact?
You should contact a Central National Bank of Alva Customer Service Representative at 580-327-1122 in Alva or 580-256-5523 in Woodward or send an email to a customer service representative.

What does I-Bank cost?
I-Bank is free to Central National Bank of Alva customers for the basic service. If you choose to use the Central Bill Payment Service, you have two options: 50c per transaction or $8.00 per month for up to 20 transactions, then $.50 each thereafter.

When I transfer funds between my accounts, how long does it take until the transfer is posted to my account?
I-Bank processes the transfer immediately after you complete the transfer online. Funds are immediately effective, so that you may cash a check at our banking locations. Transfers will post to your account and will be reflected on your statement detail if transferred by 4:00 p.m. daily and can be viewed on I-Bank the next business day.

What is the Central Bill Payment Service?
The Bill Pay Service allows you to enter and pay one time payments, schedule recurring payments or enter future dated payments. You can pay ANYONE by entering the payee's name, address and your account number for the payee.

What information do I need to set up a payee?
All you need is the payee's name, address, telephone number and payee-assigned account number. This information can be found on the payees invoice stub, statement or coupon book.

When does the money to make the payment come out of my account?
The money to pay bills will be debited from your designated Central National Bank of Alva account on the Payment Date entered for each payment. If the Payment Date you entered is not a business day, your designated account will be debited on the next business day.

Can I obtain a proof of payment?
You will receive a confirmation number for every payment. This can be used to track payments using the Payment History screen. Otherwise, the proof of payment should be shown on the next billing statement or invoice you receive from the payee. You will also see the payment debited from your account both on your monthly statement and in the Statements feature in I-Bank.

How do I know if a payee has received my payment?
You can verify that a payment was sent by reviewing the Payment History screen within Bill Pay online. Once payments are sent, you can verify the payee has received the payment by reviewing your next billing statement or invoice from that payee or contact them directly.

What happens if I set up a payment, but I do not have the funds in my account?
Funds are not debited from your account until the Payment Date you have entered. You can set up a payment even though you may not have sufficient funds in your account. However, if the funds are not available in the account when your payment is processed, we will not make the bill payment and may charge a fee. This process is the same as if you had hand-written a check.

How do I change the resolution on my computer?
Right click on your desktop (this is where your icons are located). Then go down to properties and left click on it. Now you must click on the settings tab at the top of the window, the open window now has a sliding bar at the bottom right. Move the bar over until the wording under the bar says 800*600. Now click apply. This will change the reslution of your computer. If you have any further questions please refer to your microsoft users guide.