| What types of checking and savings accounts does HomeBank @ offer? |
Q | What types of checking and savings accounts does HomeBank @ offer? | Regular Checking Account and 55+
Home "Free" Checking
Money Market Account
Now Account
Savings Account
Small Business Account
Business Commercial
Please visit one of our convenient locations for additional information. A New Accounts Representative will gladly assist you with any further questions you may have.Close |
|
| What types of loans does HomeBank @ offer for consumers? |
Q | What types of loans does HomeBank @ offer for consumers? | Personal
Vehicle
Loan secured by Certificate of Deposit
Interim Construction
Residential Home
Please visit one of our convenient locations for other needs and additional information. A Loan Officer will gladly assist you with any further questions you may have.Close |
|
| What type of loans does HomeBank @ offer for businesses? |
Q | What type of loans does HomeBank @ offer for businesses? | Interim Construction
Commercial Real Estate
Secured Revolving Line Of Credit
Vehicle, Equipment, Inventory
Please visit one of our convenient locations for other needs and additional information. A Loan Officer will gladly assist you with any further questions you may have.Close |
|
| Does HomeBank @ offer Certificate of Deposits and Individual Retirement Accounts? |
Q | Does HomeBank @ offer Certificate of Deposits and Individual Retirement Accounts? | Yes, both Certificate of Deposits and IRA's are offered.
A New Accounts Representative will gladly assist you with any further questions you may have. Close |
|
| Other Products Offered by HomeBank @ |
Q | Other Products Offered by HomeBank @ | Internet Banking
Cash Management Bill Pay
Safe Deposit Boxes
ATM/Debit Cards
Coin Counting
NotaryClose |
|
| What if I am away from home and do not have access to a computer? |
Q | What if I am away from home and do not have access to a computer? | HomeBank @ will continue to offer their 24 Hour Account Information telephone number as a FREE service to their customers. You may call 972-287-9191 to hear information concerning debits and credits on your accounts. Follow the prompts to get your account set up. This is not a toll free number. Close |
|
| What is Online Banking |
Q | What is Online Banking | Online Banking allows customers of HomeBank @ secure and convenient access to their accounts using the Internet, 24 hours a day, 7 days a week. Close |
|
| How much does Online Banking cost? |
Q | How much does Online Banking cost? | Online Banking is a Free service for HomeBank @ customers. Close |
|
| How can I get started using Online Banking and Bill Pay? |
Q | How can I get started using Online Banking and Bill Pay? | As a customer of HomeBank @, you can start Online Banking by completing an Online Banking application. Please visit one of our convenient locations to obtain additional information and to complete the necessary Online Banking Forms. Close |
|
| How do I use Online Banking? |
Q | How do I use Online Banking? | You will need to enter your login identification and password. You will then be shown a list of your accounts that you have chosen to connect to Online Banking and the balance in each. If you want more detail, just select the function. Any questions you may have can be answered by a Customer Service Representative. Close |
|
| What types of transactions can I do with Online Banking? |
Q | What types of transactions can I do with Online Banking? | Transfer money between HomeBank @ accounts
Make payments to HomeBank @ Loans
View balances and activity
View monthly statements and history
Send and receive secure messages to and from HomeBank @
Stop payment on checks
Close |
|
| How can I protect my Online Banking Security |
Q | How can I protect my Online Banking Security | Do not share your Internet Banking PIN with anyone else
Change your PIN frequently
Do not leave computer unattended during Online Banking Sessions
Log out of Online Banking prior to visiting other Internet Sites
Do not use easily accessible information for your ID and Password
Be sure that no one is watching when entering your ID and PIN
Memorize your ID and PIN and do not carry in your wallet or
purse
If you must keep a log of your ID and PIN, keep it in a secure
location
Review your account information often
Report any unusual activity immediately
Never give account information by phone unless you initiate
the call
Avoid Public Internet Access Terminals when conducting Internet Banking
Important Note: While we continue to do everything possible to ensure the security of our system, we are not responsible for any breach of security that is outside of our control.Close |
|
| How much history can I access Online? |
Q | How much history can I access Online? | You will be able to access and print your current transactions as well as 90 days of your previous history. The history will begin to build from the date that you sign up for Online Banking. Close |
|
| What happens if I forget my ID or PIN? |
Q | What happens if I forget my ID or PIN? | Your PIN number is the most important element for the security of your information. If you forget your ID, you may call the bank at 972-287-2030 and ask for customer service. With the proper Identification, your ID will be given to you. If you forget your PIN, you must follow the same procedure and your PIN will be reset to the original PIN number issued to you. Anyone who has your ID and PIN number can access your HomeBank @ accounts. If you think someone else has your ID and PIN, please contact us immediately.Close |
|
| Why do I keep getting automatically logged off your site? |
Q | Why do I keep getting automatically logged off your site? | After a period of inactivity, the system will automatically log you off and force you to re-enter your User ID and Password. This is a precaution which aides in protecting your account information. Close |
|
| What is Online Bill Pay? |
Q | What is Online Bill Pay? | Bill Pay is a convenient way for HomeBank @ customers to pay their bills online 24 hours a day, 7 days a week, saving you time, money and the worry of missing a due date. Close |
|
| How much does Online Bill Pay cost? |
Q | How much does Online Bill Pay cost? | Bill Pay is a Free service to HomeBank @ customers. Close |
|
| Who can I pay through HomeBank @ Online Bill Pay? |
Q | Who can I pay through HomeBank @ Online Bill Pay? | You can pay anyone in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country. Close |
|
| How late in the day can I enter, edit, or delete a payment? |
Q | How late in the day can I enter, edit, or delete a payment? | The addition of a new scheduled payment must be on the system by 12:00 PM CST (Monday thru Friday) the day before the scheduled payment date.
The editing and/or deletion of an already scheduled payment must be performed on the system by 12:00 PM CST (Monday thru Friday) the day before the scheduled payment date. Close |
|
| What happens if my scheduled payment falls over the weekend or a holiday? |
Q | What happens if my scheduled payment falls over the weekend or a holiday? | Scheduled payments that fall over a weekend or holiday will be paid on the Friday before the weekend, or the last working day before the holiday. Close |
|
| How long is history retained in the View Payment History section? |
Q | How long is history retained in the View Payment History section? | Payment History for active and deleted payees is retained and viewable 18 months. Close |
|
| When will the money be taken out of my account? |
Q | When will the money be taken out of my account? | For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST are debited the next day during bill pay processing.
CHECK payment funds are debited from the account when the check clears your account at the bank.Close |
|
| What if I do not have enough money in my acount? |
Q | What if I do not have enough money in my acount? | CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance. Current Non-Sufficient Fees will apply.
ELECTRONIC payments are verifed for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
PLEASE BE ADVISED that continuous overdraft occurrances on your account can create a situation where your bill payment service is put on hold. If this happens, you will be contacted by email.Close |
|
| Can I edit Vendor Addresses? |
Q | Can I edit Vendor Addresses? | No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address. Close |
|
| What payment frequencies are available? |
Q | What payment frequencies are available? | You can set up payments in any of the following frequencies:
Weekly
Bi-Weekly
Monthly
Semi-Monthly
Quarterly
Annually
Semi-AnnuallyClose |
|
| Will the memo field that I fill out when setting up a payment be passed on to the payee? |
Q | Will the memo field that I fill out when setting up a payment be passed on to the payee? | Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments. Close |
|
| How far in advance should I set up a payment to insure it is paid on time? |
Q | How far in advance should I set up a payment to insure it is paid on time? | For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted.
For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 2 a.m. processing. If the check payment is entered before 12:00 Noon CST, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U. S. Postal Service.
NOTE - You may want to set up a payment to yourself so you can see how the system works.Close |
|
| What are the minimum and maximum payment amounts? |
Q | What are the minimum and maximum payment amounts? | Electronic payments are validated against the available account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through PowerPay. You are limited only by the amount of funds in your account. Close |
|
| Can I have multiple payments to the same payee on the same day? |
Q | Can I have multiple payments to the same payee on the same day? | At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day. Close |
|
| Can I stop payment on a scheduled Bill Pay? |
Q | Can I stop payment on a scheduled Bill Pay? | Once an electronic bill payment has been debited from your account, you CANNOT order a stop payment. If you no longer want the Payee to be paid you must delete the record yourself. YOU ARE responsible for monitoring your Bill Pay Schedules for accuracy. Check payments can be stopped after the check is printed and mailed. The payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook. Normal stop payment fees will applied.Close |
|
| On the Payment History Page, what does the "Status" field indicate? |
Q | On the Payment History Page, what does the "Status" field indicate? | Status Values and Definitions:
Processed - The payment has been processed and sent.
Rejected NSF - The payment that you have tried sending has rejected due to Non-Sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if it is a recurring payment and it expires, or if you delete the payment.
Communication Failure - There was an eror due to communication problems. The payment will try again during the next processing run.
Vendor Refund - Payment rejectedClose |
|
| When and how are the payments processed? |
Q | When and how are the payments processed? | Payments submitted, recurring or one time, before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Pyament received after 12:00 Noon CST on Monday-Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day. Close |
|
| How do I know if a payee is electronic or check? |
Q | How do I know if a payee is electronic or check? | Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.
This is very important because it is necessary to allow additional time on a check payment versus an electronic payment.Close |
|
| When can you edit the dollar amount on a scheduled recurring payment? |
Q | When can you edit the dollar amount on a scheduled recurring payment? | You may edit the dollar amount the next business day after the scheduled payment date. Close |
|
| Can I postdate recurring payments? |
Q | Can I postdate recurring payments? | If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached or deleted. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th. Close |
|
| Can I postdate a single payment? |
Q | Can I postdate a single payment? | Yes, just set the payment date for a valid future date. Close |
|
You may use the following link to access the Texas Department of Banking website. Click on the Consumer Assistance tab for valuable information including a Frequently Asked Questions (FAQ) section. Here you will also find information on Filing a Complaint.
