Easy Open online account opening service

 
About Online Banking
  1. Why should I bank online?
  2. How do I sign up for Online Banking?
  3. I’m not very good with computers. Is it hard to bank online?
  4. Who can I talk to if I have a question or a problem? What if I’m doing my Online Banking after hours?
  5. How much does Online Banking Cost?

Enrolling in Online Banking
  1. Why am I having trouble enrolling online?
  2. Why did I get a “Pending” message when I try to enroll online?
  3. How do I cancel my online banking service?

Accessing Your Accounts
  1. Why isn’t my password working?
  2. Why am I being asked to reset my password?
  3. Why aren’t all of my accounts listed in the online banking system?

 

Online Bill Payment

  1. How does Online Bill Pay work?
  2. If I enroll for Online Bill Payment today, will I be able to immediately make bill payments?
  3. Which accounts can I use to pay bills?
  4. How do I add another account from which my bills are paid?
  5. May I change the account from which my bills are paid?
  6. Can I set up a payee in another country?
  7. Do I need to contact my payees to tell them I am using a bill payment service?
  8. How do I add a payee (merchant/vendor)?
  9. How long does it take to setup a new payee in Online Bill Pay?
  10. How do I know if a payee will receive payments electronically or via paper check?
  11. Can I make multiple payments to the same payee on the same day?
  12. How do I change a payee's name and address?
  13. How do I delete a payee?
  14. What does the payee receive with my payment?
  15. When should I set up my payments to make sure they are paid on time?
  16. Are there any payments that I cannot make using Online Bill Pay?
  17. How far in advance can I schedule payments?
  18. How late in the day can I enter, edit, or delete a payment?
  19. Will bill payment activity that I perform today reflect “real time” in my bill payment reporting function?
  20. When are payments processed?
  21. Can I make changes to an already scheduled payment?
  22. When can I cancel a payment?
  23. What date do I put in the TRANSMIT DATE field?
  24. What if my payee says that they have not received my payment?
  25. Can I get a copy of a canceled check?
  26. Is it possible to establish multiple recurring bill payments to the same payee?
  27. How do I edit the payment amount of a recurring pending payment?
  28. Is there a difference on how the Transmit Date field is filled in when is setting up a single payment vs. a setting up payments via the Pay Many Option?
  29. Is there a charge for Online Bill Payment?
  30. Is there a daily maximum online bill payment dollar limit?

eStatements FAQs

  1. What are eStatements?
  2. How do I access my eStatements?
  3. How do I save copies of my eStatements?
  4. How will I know when my eStatements are ready?
  5. Is there a charge for receiving an eStatement?
  6. Can I still receive a paper statement?
  7. How are eStatements stored?
  8. Can I view my transaction history?
  9. What do I do if I see a discrepancy on my eStatements?

Health Savings Account (HSA)

 
 

Q: Why should I bank online?
A: Online Banking is an easy, safe and secure way to manage your money, pay bills and see account activity immediately-- 24//7/365. Here’s a quick look at some of the features we offer when you enroll in Bridgeview Online Banking:

  • Immediate access to your banking information
    Your deposits and withdrawals (not including ATM transactions which experience a delay) appear on your screen at virtually the same moment they are posted, providing you with the most up-to-date information on your accounts.
  • Future and repeating transfers
    You can schedule a one-time transfer between Bridgeview Bank accounts, or schedule transfers to automatically occur on a regular basis. It’s a great time-saver, easy to set up, and a great way to make sure transfers are made on schedule.
  • Expanded online bill payment 
    Have you experienced the convenience of paying bills online? Signing up is as easy as signing on. This hassle-free option is a great way to pay mortgages, car payments, utility bills, insurance premiums and other recurring expenses. You decide which bills to pay and from what account(s) you would like to pay them. It’s as simple as that. Check back with us soon for more information on our expanded online bill payment options.
  • Account alerts
    Want to know when a certain check clears or when your balance reaches a pre-set amount? You can set up to seven different alerts that trigger an automatic e-mail message to you. Another great tool for managing your cash.
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  Q: How do I sign up for Online Banking?
A: Got a minute? That’s all it takes to enroll online. Click here to enroll online or stop by any of our banking centers and we’ll be happy to assist you in the enrollment process. You will need to have certain account information available, so be sure to have a recent bank statement handy to expedite the process.
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  Q: I’m not very good with computers. Is it hard to bank online?
A: Whether you are an experienced computer user or new to the Internet, Bridgeview Bank has made it easy to bank online. We’ve clearly labeled all of the features and created easy-to-follow screen prompts to make your online banking experience easy, effective and enjoyable. It’s so simple, in no time you’ll be navigating around online banking like an old pro.
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Q: Who can I talk to if I have a question or a problem? What if I’m doing my Online Banking after hours?
A: If you have any questions while you are banking online we offer 3 different ways to get help.

  1. ‘Help’ screens are located on every page to assist you with your online banking.
  2. We offer 24-hour online banking customer support to help you with questions any time, night or day. Contact Online Banking Support at 1-866-873-9577.
  3. There is a message center that allows you to send us questions via email. We’ll respond to you within 24-48 hours.
  4. Contact our Customer Care Center at 1-800-794-2070 during regular banking hours.
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  Q: How much does Online Banking Cost?
A: Your monthly use of Bridgeview Bank's Personal Online Banking and Bill Payment service is free. In the event that you do not access your Personal Online Banking account or Bill Payment service for any period of 60 days, the bank will assess an inactivity fee of $4.95 per month for basic Personal Online Banking OR $7.95 per month for the Online Banking with Bill Payment service.
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Q: Why am I having trouble enrolling online?
A: Read through the following to see if any of these could be the problem:

  • Make sure you have your last bank statement available and follow the enrollment instructions step by step.
  • All information you enter must be EXACTLY as it appears on your last bank statement. Any discrepancies will force your application into a pending status. It can then take up to 5 business days to process.
  • If you get a PENDING message, DO NOT RE-ENROLL (it will delay the process of establishing your online banking account.)This message may have appeared because some of the information you entered did not match data in our system (such as address, balance on your last statement, etc.) When a Pending message is displayed, it typically takes 5 business days to create your account. You will be contacted via email once your account is established.
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Q: Why did I get a “Pending” message when I try to enroll online?
A: These could be your answer:

  • All information you enter must be EXACTLY as it appears on your last bank statement. Any discrepancies will force your application into a pending status. It can then take 5 business days to process.
  • If you get a PENDING message, DO NOT RE-ENROLL (it will delay the process of establishing your online banking account.)This message may have appeared because some of the information you entered did not match data in our system (such as address, balance on your last statement, etc.) When a Pending message is displayed, it typically takes 5 business days to create your account. You will be contacted via email once your account is established.
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Q: How do I cancel my online banking service?
A: Termination or Discontinuation—In the event you wish to discontinue any or all of your online banking and bill payment services, written notice must be sent to one of the following:

Email: help@bridgeviewbank.com

Bridgeview Bank Group
c/o: Retail Support Operations
4753 N. Broadway
Chicago, IL 60640

Written notice must be supplied 10 business days prior to the actual discontinuance date. Since cancellation requests take up to 10 days to process, you should cancel all outstanding payment or transfer orders in addition to notifying us of your desire to terminate the service. We will not be liable for payments or transfers not cancelled or payments or transfers made due to the lack of proper notification by you of service termination or discontinuance for any reason.

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Q: Why isn’t my password working?
A: The following could be some reasons why:

  • Did you know your password is Case Sensitive? Make sure your Caps Lock Button is OFF!
  • Log in problems are frequently typos - Type Slowly!
  • If you're using the keys on the right side of your keyboard, make sure your Number Lock Button is ON!
  • If you forgot your password, contact Online Banking Support at 1-866-873-9577. A representative will be happy to assist you and/or reset your password.
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Q: Why am I being asked to reset my password?
A: As a security measure, you will be asked to reset your password every 90 days.

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  Q: Why aren’t all of my accounts listed in the online banking system?
A: If some of your accounts are not listed, please contact our Customer Care Center at 1-800-794-2070 and they can assist you in enabling additional accounts for online access.
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  Q: How does Online Bill Pay work?
A: Online Bill Pay is a service that allows you to set up bill payments to businesses and individuals. Once you enter a payment instruction in the system, the request is submitted to Bill Payment Services 8:00 p.m. CST (Central Standard Time), Monday through Friday. The following business day, your payment is sent electronically or by check.
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  Q: If I enroll for Online Bill Payment today, will I be able to immediately make bill payments?
A: Yes, you will be able to complete online bill payments immediately if all the information is entered correctly during the enrollment process. If additional information is required, we will contact you within 2 – 4 business days.
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  Q: Which accounts can I use to pay bills?
A: You can pay bills from your Bridgeview Bank Checking account
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  Q: How do I add another Bridgeview account to my Online Bill Pay?
A: If you would like to use more than one account to make bill payments, you can set up additional bill payment funding accounts on the Account Preferences screen by clicking the box under Billpay Account.
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  Q: How do I change the account from which my bills are paid?
A: If the account in which you currently pay your bills from has pending payments, you should select a new account from the menu for the bill payments before changing the current account. You MUST have at least one account set up as the bill payment account in Account Preferences at any given time.
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  Q: Can I set up a payee in another country?
A: Online bill payments may only be made to a United States payee (which includes Guam, Puerto Rico, U.S. Virgin Islands, and international U.S. military bases) in United States dollars.
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  Q: Do I need to contact my payees to tell them I am using a bill payment service?
A: No. Your payees do not need to do anything different to process online bill payments. Online Bill Pay uses an ACH (Automated Clearing House) electronic network or a paper check to make your payments. Your payment information is clearly indicated on each transaction.
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  Q: How do I add a payee (merchant/vendor)?
A: Use the Payee Search function within the product to find and add your new payee. If the new payee is not listed, simply select "Manually Enter Payees" and enter the required information.
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  Q: How long does it take to setup a new payee in Online Bill Pay?
A: Immediately once the new payee is entered.
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  Q: How do I know if a payee will receive payments electronically or via paper check?
A: When you conduct a Payee Search, electronic payees are indicated by a message under Payee Name that the payee “Provides EPayments”.  Also, when a bill payment is made electronically, a little “e” is displayed on the “Make Payment” screen. If only the payee’s name appears under Payee Name, that payee currently accepts only paper check payments, and a picture of a check is displayed.
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  Q: Can I make multiple payments to the same payee on the same day?
A: Yes, you can make multiple payments to the same payee on the same day as long as the payment amounts are different. For your protection, the system will not pay duplicate items for the same payee on the same day.
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  Q: How do I change a payee's name and address?
A: To change any payee from the Payee Summary list, click the pencil icon under the Edit column to make necessary changes. The only fields that may be changed are AMOUNT, ACCOUNT NUMBER, and PAYMENT STATUS. For any other changes, delete the payee and add it again with the correct information.
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  Q: How do I delete a payee?
A: Cancel all scheduled payments for the payee by accessing the Pending Payments screen and clicking "cancel" under the action column. Under Payee Management, locate the desired payee and then select Payee Details.  Select Delete Payee.
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  Q: What does the payee receive with my payment?
A: Your payee will receive either an ACH (Automated Clearing House) electronic payment or a paper check. In either case, the payment lists the information that you have provided, such as your name and account number with the payee, so the payee can properly credit your payment.
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  Q: When should I set up my payments to make sure they are paid on time?
A: Minimum payment “lead times” will be provided based on whether the payee accepts electronic payment (designated by an “e” symbol) or paper check payment (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of 3 days before the payment due date. For paper check payments, payments should be scheduled a minimum of 5 days before payment due date.
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  Q: Are there any payments that I cannot make using Online Bill Pay?
A: Payments cannot be made in foreign currency or to international payees. For payments to U. S. government agencies, Online Bill Pay has limited ability to research any issues that may arise due to the government’s strict adherence to the Consumer Privacy Act. Online Bill Pay will not be responsible for any late fees or penalties that may be incurred by these types of payments.
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  Q: How far in advance can I schedule payments?
A: You may schedule a one-time future payment up to 364 days in advance.
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  Q: How late in the day can I enter, edit, or delete a payment?
A: Cut off time is 8:00 p.m. CST. Any new bill payments entered by that time will be accepted for processing that day, unless they are future dated, in which case they will remain in the pending queue until 8:00 pm CST on that date. Payments entered after this cutoff will be processed on the next business day.
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  Q: Will bill payment activity that I perform today reflect “real time” in my bill payment reporting function?
A: Bill payment reporting is not “real time.”  Activity reports do not reflect bill payment activity until the day following the activity.
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  Q: When are payments processed?
A: Payments are processed Monday through Friday excluding holidays.
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  Q: Can I make changes to an already scheduled payment?
A: If the payment is still pending, changes can be made. However, once the payment has been transmitted, you can no longer make changes to or delete payments.
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  Q: When can I cancel a payment?
A: You can cancel or modify your payment online at any time before the cutoff time of 8:00 p.m. CST on the payment transaction date.
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  Q: What date do I put in the TRANSMIT DATE field?
A: For a future dated payment this should be the date that you want your payment to be transmitted. This is the date the payment is extracted for processing.
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  Q: What if my payee says that they have not received my payment?
A: Call the Online Banking Customer Care Center at 1-866-873-9577 who will research your payment.
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  Q: Can I get a copy of a canceled check?
A: Call the Online Banking Customer Care Center at 1-866-873-9577 to request a copy of a bill payment check.  A fee may apply.
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  Q: Is it possible to establish multiple recurring bill payments to the same payee?
A: The Online Banking Bill Payment system does not allow multiple recurring bill payments to be set-up for the same payee. If this is attempted, when you try to set up the second payment with the same payee, there will be no option to set the payment as recurring. You will only have the option of a one time payment. You could set up a second payee to the same vendor and set up another recurring payment to this payee.
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  Q: How do I edit the payment amount of a recurring pending payment?
A: You can go into Pending Payments and edit the pending payment amount. If one of the payments has already been made, the start date of the recurring pending payment will need to be changed, because the date would be in the past. The start date should be changed to the date of when the next payment should be processed, and then change the amount. This change will only affect the payments that have not yet been made.
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  Q: Is there a difference on how the Transmit Date field is filled in when is setting up a single payment vs. a setting up payments via the Pay Many Option?
A: When you schedule a single payment, the Transmit Date field populates with the current date. When a scheduling payments using the Pay Many feature, the Transmit Date fields are filled in with a date. If you click on the calendar widget next to the Transmit Date Field within the Pay Many Option, it will open with the current date, but you must click on a date to fill the field. The reason for not pre-filling the date on the Pay Many screen is to allow you to schedule payments for different dates.
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  Q: Is there a charge for Online Bill Payment?
A: Your monthly use of Bridgeview Bank's Personal Online Banking and Bill Payment service is free. In the event that you do not access your Personal Online Banking and Bill Payment account for any period of 60 days, the bank will assess an inactivity fee of $7.95 per month.
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  Q: Is there a daily maximum online bill payment dollar limit?
A: Yes, the maximum online bill payment amount is $9,999.99 per day.
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  Q: What are eStatements?
A: eStatements are electronic copies of your account statements that are viewable online. By simply logging into Bridgeview Bank Personal Online Banking, you can view your saving and checking account statements in an easy-to-read and print format. eStatements include all of the same information you receive in your paper statements with none of the hassle associated with filing and/or disposing of piles of paper.
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  Q: How do I access my eStatements?
A: Each month an email will be sent to you notifying you that your eStatement is ready for you to view. Once you receive this notification, simply log into Bridgeview Bank’s Personal Online Banking and view your eStatements.
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  Q: How do I save copies of my eStatements?
A:You can download and save your eStatements in a secure place on your computer or a disk, eliminating the need for messy paper files.
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  Q: How will I know when my eStatements are ready?
A: Each month you will receive an email notifying you that your eStatement is ready for you to view. When you log into Bridgeview Bank’s Personal Online Banking your eStatements will be waiting for you.
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  Q: Is there a charge for receiving an eStatement?
A: No. eStatements are available free of charge for Bridgeview Bank personal checking and saving account customers. To learn more about our personal saving and checking accounts and eStatements, please contact a personal banker or call our customer service center at 800-794-2070.
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  Q: Can I still receive a paper statement?
A:Yes. There is no charge for changing back to paper statements.*

*Fees may apply based on account type.
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  Q: How are eStatements stored?
A: With Bridgeview’s eStatements offering your initial view will contain the current and previous month’s statements. With each month your history will build with a maximum of 13 months. For your convenience you can download and save your eStatements in a secure place on your computer or disk, eliminating the need for messy paper files.
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  Q: Can I view my transaction history?
A:Yes. Up to 13 months, based on actual time enrolled with eStatements.
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  Q: What do I do if I see a discrepancy on my eStatements?
A: As with paper statements, if you find a discrepancy with your eStatements we ask that you contact our customer service center immediately at 800-794-2070.
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  Q: What is an HSA?
A: An HSA is a special account offering a different way for consumers under age 65 to pay for their current and future medical and/or health expenses on a tax-free basis. In order to open an HSA’s, you must first be enrolled in a High Deductible Health Plan (HDHP).
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  Q: What is a High Deductible Health Plan?
A: A High Deductible Health Plan, or HDHP, is an inexpensive health insurance plan that generally doesn’t pay for the first several thousand dollars of health care expenses.
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  Q: Who can open an HSA?
A: Anyone under age 65 who buys a qualified HDHP can open an HSA. You cannot be covered by Medicare or another health insurance policy that is not a qualified HDHP, however you can still have other disability, dental, vision and long-term care insurance policies. Individuals who are claimed as a dependent on someone else’s tax return cannot open an HSA. There are no income limits on who may contribute to an HSA.
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  Q: How much can I contribute annually to my HSA?
A: In 2006, you can contribute the amount of the deductible, up to $2,700 for singles and $5,450 for families. If you are age 55 or older, you can put in an additional $700 per year.
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  Q: Are my contributions tax deductible?
A: Yes. You can deduct up to $2,700 for singles and $5,450 for families.
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  Q: What is the difference between HSA’s and flexible spending accounts?
A: The biggest and most important difference is that your HSA balances can roll over from year to year and continue to grow tax-deferred. Money in your flexible spending accounts must be spent by the end of the plan year or lose it.
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  Q: What if I want to withdraw money from my HSA for non-medical expenses after I turn 65?
A: If you withdraw money from your HSA you will have to pay income taxes on the money. Of course, you can continue to withdraw money from the account tax-free for qualified medical expenses after age 65.
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