NetBanker Plus Guide

About NetBanker Plus

What is NetBanker Plus?
NetBanker Plus is an Internet-based service that provides you a safe and convenient way to bank on-line. If you were previously enrolled in NetBanker, you must enroll again to use NetBanker Plus.

What can I do with NetBanker Plus?
NetBanker Plus allows you to:

  • Check account balances & history
  • Pay bills
  • Transfer funds (internal & external)
  • Order checks
  • Place stop payments
  • Monitor other bank accounts, credit cards & bills
  • Set up account alerts
  • Open new accounts- coming soon!
  • And more!

How much does it cost to use NetBanker Plus?
NetBanker Plus is free. Please note: Some account-related services, such as stop payments, may encounter a fee. Please refer to your Account Disclosure and Fee Schedule regarding applicable fees.

Clearing browser cache and cookies

If you are having difficulty logging in to NetBanker Plus, try clearing your browser cache and cookies.

To find the version, in Firefox: On Windows, click Help, and then click About Mozilla Firefox. On Mac OS X, click Firefox, and then click About Mozilla Firefox.
1) Cache. To clear the browser cache for the version you’re using:
Firefox 3.5.x for Windows

  • 1. Click the Tools menu.
  • 2. Select Clear Recent History.
  • 3. Under ‘Time Range to Clear’ select Everything.
  • 4. Select the ‘Details’ checkbox.
  • 5. Select the ‘Cache’ checkbox.
  • 6. Click the ‘Clear Now’ button.

Firefox 3.x for Windows

  • 1. Click the Tools menu.
  • 2. Select Clear Private Data.
  • 3. Select the ‘Cache’ checkbox.
  • 4. Click the ‘Clear Private Data Now’ button.

Firefox 3.x and 3.5.x for Mac OS X

  • 1. Click the Firefox menu.
  • 2. Select Preferences.
  • 3. Select Advanced.
  • 4. Click the Network tab.
  • 5. In the ‘Offline Storage’ section, click Clear Now.
  • 6. Click the OK button.

Firefox 2.x for Windows

  • 1. Click the Tools menu.
  • 2. Select Options.
  • 3. Select Advanced.
  • 4. Click the Network tab.
  • 5. In the ‘Cache’ section, click Clear Now.
  • 6. Click OK.

Firefox 2.x for Mac OS X

  • 1. Click the Firefox menu.
  • 2. Select Preferences.
  • 3. Select Advanced.
  • 4. Click the Network tab.
  • 5. In the ‘Cache’ section, click Clear Now.
  • 6. Click OK.

2) Cookies. To clear the browser cookies:
Firefox 3.5.x for Windows

  • 1. Click the Tools menu.
  • 2. Select Clear Recent History.
  • 3. Under ‘Time Range to Clear’ select Everything.
  • 4. Select the ‘Details’ checkbox.
  • 5. Select the ‘Cookies’ checkbox.
  • 6. Click the ‘Clear Now’ button.

Firefox 3.5.x for Mac OS X

  • 1. Click the Firefox menu.
  • 2. Click Preferences.
  • 3. Click Privacy.
  • 4. Click the Remove Individual Cookies link.
  • 5. In the Cookies dialog box, click Remove All Cookies.
  • 6. Close the Cookies dialog box.
  • 7. Close Preferences.

Firefox 3.x for Windows

  • 1. In Firefox, click the Tools menu.
  • 2. Click Options.
  • 3. Click Privacy.
  • 4. In the Cookies section, click Show Cookies.
  • 5. In the Cookies dialog box, click Remove All Cookies.
  • 6. Click OK to close the Cookies dialog box.
  • 7. Click OK to close Options.

Firefox 3.x for Mac OS X

  • 1. Click the Firefox menu.
  • 2. Click Preferences.
  • 3. Click Privacy.
  • 4. In the Cookies section, click Show Cookies.
  • 5. In the Cookies dialog box, click Remove All Cookies.
  • 6. Click OK to close the Cookies dialog box.
  • 7. Click OK to close Preferences.

Firefox 2.x for Windows

  • 1. In Firefox, click the Tools menu.
  • 2. Click Options.
  • 3. Click Privacy.
  • 4. In the Cookies section, click Show Cookies.
  • 5. In the Cookies dialog box, click Remove All Cookies.
  • 6. Click OK to close the Cookies dialog box.
  • 7. Click OK to close Options.

Firefox 2.x for Mac OS X

  • 1. Click the Firefox menu.
  • 2. Click Preferences.
  • 3. Click Privacy.
  • 4. In the Cookies section, click Show Cookies.
  • 5. In the Cookies dialog box, click Remove All Cookies.
  • 6. Click OK to close the Cookies dialog box.
  • 7. Click OK to close Preferences.


Computer Requirements

What browser should I be using?
To use NetBanker Plus, we recommend that you use one of the following browsers:

Windows® Operating System

  • Windows 2000, XP, Vista, 7
  • Internet Explorer 6 and higher
  • Firefox 2.0 and higher

Macintosh® Operating System

  • Mac OS-X Panther and higher
  • Firefox 2.0 and higher
  • Safari 2.0 and higher

What modem speed do you recommend?
A modem speed of 28.8 bps or higher is recommended, although NetBanker Plus will function best with a high-speed internet connection.

What monitor setting should I use?
This site is best viewed with a monitor display setting of 1280 x 1024.

Why do I need to allow pop-up windows?
Pop-up functionality is used by many websites to display advertisements to users, but some services, like NetBanker Plus, use pop-up functionality to draw attention to important information. Since NetBanker Plus uses pop-ups as an alert mechanism, it is recommended that you permit pop-ups for this website.

Enabling pop-ups varies based on the browser version and operating system that you are using. For users that have recently downloaded Service Pack 2 for Windows XP (a release that forces users to choose which sites they “trust” and do not), the easiest way to do this is to go to the Privacy section within your browser and add personal.netbankerplus.com, bitstatement.org and umonitor.com to the list of websites that you permit pop-ups to be displayed. By doing this, you can maintain your pop-up blocker settings, which restrict the display of advertisements as you navigate the Internet, while allowing the display of pop-up messaging used by NetBanker Plus.

Does NetBanker Plus use cookies?
Yes, in order to provide optimal security, performance and reliability, NetBanker Plus requires that cookies be enabled on your web browser. Cookies are a small piece of information that a web server can store on your browser so the system recognizes your actions during a session. As you browse the web, some cookies are “set” on your web browser. For example, cookies are used to store preferences you have requested on frequently visited websites. When you close your browser, some cookies are stored in your computer’s memory in a cookie file, while some expire immediately. All cookies have expiration dates. Cookies cannot be used to obtain data from your computer, get your email address or access sensitive or personal information. The only way that any private information could be part of your cookie file would be if you personally provided that information to a website. Also, each cookie can only be read at the site where the cookie was created.

Do I need additional software to use NetBanker Plus?
No, you do not need any additional software to use NetBanker Plus.

Does NetBanker Plus work with my existing Internet Service Provider (ISP)?
Yes, provided you have no special restrictions on your internet connection.

Enrollment

How do I enroll in NetBanker Plus?
Enrollment is easy! You can enroll from the comfort of your own home. Click on the enrollment link located on the Bank’s website. You will be asked to enter the following:

  • Name
  • Address
  • Date of birth
  • Email address

You will also need to provide two of the following pieces of information:

  • ATM/Debit Card number
  • PIN number or Account number

Please note: Your information must match your information listed on your statement (ie. what is listed in the bank’s records).

What if I am not eligible for a Social Security Number?
NetBanker Plus requires a Social Security Number or Individual Tax Identification Number (ITIN) for on-line enrollment. If you do not have a Social Security Number or ITIN, please contact the bank.

Can I still enroll if I do not have an ATM or Debit Card?
If you do not have an ATM or Debit Card, select the HELP button, and you will be prompted to enter your Social Security Number and Account number instead.

Can I enroll if my ATM or Debit Card has not been activated?
No, your ATM/Debit Card must be activated prior to your enrollment.

The system will not accept any of my password attempts during the enrollment process. What should I be doing differently?
Your password must be 6 to 32 characters and must include alpha and numeric characters.

Account Access

What accounts can I access with NetBanker Plus?
You can access any of your North Community Bank Checking accounts, Savings accounts, CDs, IRAs and Loans.

How many accounts can I access?
There is no limit to the amount of accounts you can access with NetBanker Plus. You can access any of your North Community Bank Checking accounts, Savings accounts, CDs, IRAs and Loans.

If I have both business and personal accounts, can I view them together?
No, you can only view your personal accounts through NetBanker Plus. You must use NetBanker for Business to view your business accounts.

Can I access accounts from home and work?
You can access your accounts from any computer, anywhere, anytime. Please note: The computer must meet the minimum system requirements.

Can I begin using NetBanker Plus immediately?
Yes. As soon as you complete registration, you can begin using NetBanker Plus. Please note: Your account activity will not immediately appear on your first login, but will appear by the next business day.

How can I contact North Community Bank with a question about NetBanker Plus or my accounts?
For questions about NetBanker Plus, please call (866) 518-9124, or send a secure message via the Message Center from within NetBanker Plus. If you make an inquiry in NetBanker Plus, you will receive a response via the Message Center. For general questions about your account, please contact your banker at (773) 244-7000.

When I open new accounts, can I access them in NetBanker Plus?
Yes. Anytime you open additional North Community Bank accounts, they will automatically be available within NetBanker Plus on the following business day.

Signing On/Logging Off

How do I sign in?
To sign in, you must use your unique User ID and password. If additional security is needed, you may be asked to answer one of your security questions that you set up during the enrollment process. You can login from the homepage of the North Community Bank website, or you may bookmark the NetBanker Plus homepage.

What if I forgot my NetBanker Plus password?
You may reset your own password by clicking the Forgot Your Password link and answering security questions or you may call NetBanker Plus Support at (866) 518-9124 to have your password reset.

What if I forgot my NetBanker Plus User ID?
Please contact NetBanker Plus Support at (866) 518-9124.

Why am I having trouble signing in?
You may not be using the correct User ID and/or password. Or, if you have incorrectly entered your password five (5) times, you will be locked out. You must contact NetBanker Plus Support at (866) 518-9124 to reset your password or unlock your account.

What is a sign-on destination?
Your sign-on destination is the first page that will appear once you login to NetBanker Plus. You can choose your sign-on destination from the login page, or you can visit the User Services section.

How do I log off?
It is very important to click the Logout link, located in the upper right corner, to end your NetBanker Plus session. This will ensure you have completely terminated your session and prevent unauthorized users from accessing your account information if you walk away. If you do not sign off properly, the system will automatically “time out” after 10 minutes and require that you re-enter your User ID and password in order to proceed with your session.

Why does my session expire, or automatically log me out?
If you do not sign off properly or have been inactive, NetBanker Plus will automatically “time out” after 10 minutes. This is a security feature that will prevent unauthorized users from accessing your account information.

Transaction Activity

How often is my account information updated?
Account balance information is updated in real-time and account transaction activity is updated daily as transactions post.

What is the difference between current balance and available balance?
The current balance is the actual balance in your account. The available balance is the amount of funds available for immediate withdrawal or use. It is the current balance, less any pending withdrawals, and uncollected funds on deposited checks.

How long is my account activity available?
NetBanker Plus will display up to two (2) years of rolling account activity.

What is a pending transaction?
A pending transaction is any transaction that has not posted to your account. Examples of pending transactions are Debit Card/ATM transactions and deposits and withdrawals made at the teller window.

Can I view my cleared checks on-line?
Yes. On the Account Activity page, check images can be viewed. If a check image is available, a check icon will be listed next to the check number. Click on the check number to view the check image.

Can I download my transaction activity from NetBanker Plus for use in other financial software?
Yes. NetBanker Plus allows you to download your account transaction activity into software including Microsoft Money® and Intuit’s Quicken®, or as a comma separated value file.

How do I export my financial information to other financial software?
Simply select the Download link listed under the Accounts tab, choose an account and date range, and click the Download button.

eStatements

Can I view my paper statements on-line?
Yes. You must register for the eStatements service. Your last three (3) statements should be available for viewing. Future statements will appear as they are available. Up to two (2) years of statements will be available on-line.

How do I sign up for eStatements?
Go to the Statements page listed under the Accounts tab. You must enter some basic information to register for the service.

Can I cancel the mail delivery of my paper statements?
When you register for eStatements, you will no longer receive a paper copy of statements or account notices in the mail.

What if I need a copy of a statement that is not available in eStatements?
If the statement you are looking for is not listed in eStatements, you can request a copy by selecting the Request a Statement Copy link under the User Services tab. Please refer to your Schedule of Fees regarding applicable fees.

Transfers

Can I transfer funds between my accounts at North Community Bank?
Yes. One-time or recurring transfers may be set up between your accounts. To set up a transfer, go to the Transfers tab and complete the necessary information.

What type of transfers can I make?
You can make both internal and external transfers with NetBanker Plus. Internal transfers can be made between your accounts listed in NetBanker Plus. External transfers can be made between your accounts at North Community Bank and other financial institutions through the Cross Account Transfers service.

What is the cutoff time for scheduling, modifying, or cancelling an internal transfer?
Internal transfers can be scheduled until 8:00 pm CST. Future-dated internal transfers can be modified or cancelled until 8:00 pm CST on the day prior to the transfer. Same day transfers cannot be modified or cancelled.

When will my funds become available?
Internal transfers set up by 8:00 pm CST are executed the same day, so funds are available immediately. External transfers, or Cross Account Transfers, that are set up by 7:00 pm CST may be 1-3 business days before funds are available.

Can I set up recurring or future-dated transfers?
Yes. Recurring transfers can be scheduled up to one (1) year in advance.

Can I transfer funds to my mortgage, loan, or line of credit?
Yes. As long as your mortgage, loan, or line of credit is listed in the To account drop down list, you are able to make transfers to these accounts. Or you can initiate a transfer directly from the Account Summary page. On the Account Summary page, select the “Make a Payment” button that is located next to your loan account.

When I make a transfer in NetBanker Plus, do I get a paper receipt?
No. You will not receive a paper receipt when making transfers through NetBanker Plus. A confirmation number will be displayed when a transfer has been set up, and serves as your electronic receipt. It is recommended that you print a copy of this page for your records. You can also refer to your transfer history or your monthly account statement, which will include all of your on-line transactions.

How can I transfer funds to an account at another financial institution?
You can make external transfers with the Cross Account Transfers service. Go to the Cross Account Transfers page, which is listed under the Transfer tab. Prior to making a transfer, you must set up each account that you would like to transfer funds to and from, including your accounts at North Community Bank. Simply follow the on-screen instructions for account setup and verification.

How long does it take for a Cross Account Transfer to be processed?
If you are moving funds out of North Community Bank, the funds will normally post to the destination account in one (1) business day. If you are moving funds into your North Community Bank account, the funds will normally post to your account within three (3) business days.

On-line Bill Pay

What is On-line Bill Pay?
On-line Bill Pay is a service that allows you to pay bills on-line from your accounts at North Community Bank. In some cases, we will actually print a check and mail it to the recipient. If the company you want to send payments to is setup for ACH payment, the bank will simply send the bill payment electronically to the recipient.

How much does On-line Bill Pay cost?
On-line Bill Pay is free with NetBanker Plus.

How do I sign up for On-line Bill Pay?
As soon as you enroll in NetBanker Plus, you are automatically set up for On-line Bill Pay. No additional enrollment is necessary.

How do I start using On-line Bill Pay?
To begin using On-line Bill Pay, go to the Pay Bills tab and set up your payees. Once a payee is set up, you are ready to pay bills.

Who can I pay with On-line Bill Pay?
You can pay virtually anyone in the United States–from national credit card companies, mortgage companies, auto loans, and department stores to your local water and utilities. Please note that On-line Bill Pay cannot be used to pay the following: Internal Revenue Service, all state and local tax authorities, and recipients of court-ordered payments like child support or alimony.

What accounts may be used for On-line Bill Pay?
Any transaction accounts, such as a Checking account, can be used with On-line Bill Pay. This excludes Savings or Money Market accounts.

Is there a limit to the number of bills I can pay with On-line Bill Pay?
You can make as many payments as you like, up to your available balance. The daily dollar limit for Bill Pay is $999,999.99 or your available balance, whichever is less.

What is the cutoff time for scheduling a bill payment?
Bill payments can be scheduled at any time, but will not begin processing until the next day if you schedule the payment after the 7:00 pm CST cutoff time.

When can I modify or cancel a bill payment?
A bill payment can be modified or cancelled anytime, as long as it is in pending status. If your payment is made by paper check, and is no longer in pending status, you can place a stop payment on the check. Please refer to your Schedule of Fees regarding applicable fees.

What is a payee?
A payee is the company or individual to which you would like to send payment.

What is the cutoff time for scheduling a bill payment?
Bill payments can be scheduled at any time, but will not begin processing until the next day if you schedule the payment after the 7:00 pm CST cutoff time.

When can I modify or cancel a bill payment?
A bill payment can be modified or cancelled anytime, as long as it is in pending status. If your payment is made by paper check, and is no longer in pending status, you can place a stop payment on the check. Please refer to your Schedule of Fees regarding applicable fees.

How are On-line Bill Payments delivered to my payees?
Your payment may either be processed as an electronic payment or delivered in the form of a paper check. Usually the first payment will be paid as a check and then change to an electronic payment if available. If electronic payment is not available for a specific payee, the payments will continue as checks.

How long does it take for a payment to reach my payee?
Payment processing can take up to six (6) days when a paper check is sent to your payee. If your payee accepts electronic payments, your payment may be received in as little as three (3) days.

What happens if I schedule a payment that falls on a Saturday?
Payments scheduled on Saturday, Sunday or holidays will be processed on the next business day. Please note: You may wish to schedule weekend/holiday payments earlier than the due date to avoid late fees.

Can I edit my recurring or pending payments?
Yes, you can edit a recurring or pending payment, as long as it is still in pending status.

Can I cancel or place a stop payment on a bill payment?
Yes, as long the payment still appears on the Pending Payments screen, a bill payment may be canceled. From the Pay Bills menu, select the Edit/Cancel link and choose the option to cancel the single or recurring payment.

How far into the future can a scheduled one-time or recurring bill payment be scheduled?
One-time or recurring bill payments can be scheduled up to one (1) year in advance.

What happens if I have insufficient funds to cover a payment?
If the payment was sent as a check, the check may be paid or returned at the Bank’s discretion. If the payment was sent electronically, the payment will be returned. You have to resubmit the payment when the account has enough funds.

Am I responsible for late fees/finance charges if my payment is received late?
It is the customer’s responsibility to allow adequate time for payment processing and delivery. As indicated in the Bill Payment Terms & Conditions, any finance charges and late fees resulting from a delayed payment will be the responsibility of the customer.

Alerts

Can I set up alerts related to my North Community Bank accounts?
Yes. There are three (3) types of alerts you can set up.

1. Balance Alert: Receive notification when you have a low account balance or excess funds in your account.
2. Transaction Alert: Receive notification when transaction(s) occur, such as a Debit Card purchase, Payroll deposit, or when a check clears.
3. New Message Alert: Receive notification when NetBanker Plus has sent you a secure message, which may include important Bill Pay information.

Where will an alert be sent?
An alert will be sent to one of the Contact Points you have set up. Your Contact Points can include an email address or cell phone number.

Self Service Features

What if I need to change my NetBanker Plus User ID?
Go to the User Services tab and select Change User ID/Password. Your new User ID must be 6 to 12 characters in length and consist of letters and numbers. It may not contain spaces or special characters.

What if I need to change my NetBanker Plus password?
Go to the User Services tab and select Change User ID/Password. Your new password must be 6 to 32 characters in length and consist of letters and numbers. It may not contain spaces or special characters.

Can I change my security questions?
Yes, you can update your security questions or answers at any time. Once you login, go to the User Services tab and select the Manage Security Questions link.

Can I change my contact information through NetBanker Plus?
Yes. You can change your address, telephone number and email address through the User Services tab.

How do I remove an account from NetBanker Plus?
You cannot remove an account from NetBanker Plus, but you can choose not to display the account. On the User Services tab, select the Manage Account Preferences link and unselect the account you no longer want to view in NetBanker Plus.

What are nicknames?
Nicknames are the names you assign to your accounts to help you identify them. We recommend that you do not assign account nicknames that include your account number.

How can I obtain a copy of a check?
If an image of your check is not available in your Account Activity, you can request a copy of a check through NetBanker Plus. To request a check, go to the User Services tab and select Request a Check Copy. Please refer to your Schedule of Fees regarding applicable fees.

Can I order checks through NetBanker Plus?
Yes, you can order checks. Go to the User Services tab and select the Order Checks link.

Can I request a stop payment on a check?
Yes, you can request a stop payment in NetBanker Plus. From the User Services tab, select Request a Stop Payment. Choose the account number the check is drawn from, enter the check number, check date, check amount and select the reason from the drop down box. Please refer to your Schedule of Fees regarding applicable fees.

What if I need a copy of a statement that is not available in eStatements?
My suggestion is Please see a Personal Banker for statements not available in eStatements.

How can I contact the bank while I am using NetBanker Plus?
For questions about NetBanker Plus please call (866) 518-9124, or send a secure message via the Message Center from within NetBanker Plus. If you make an inquiry in NetBanker Plus, you will receive a response via the Message Center. For general questions about your account, please contact your banker at (773) 244-7000.

Do I need an e-mail account to use the Message Center?
No, you don’t need an e-mail account to use the Message Center.

Family Banking

What is Family Banking?
Family Banking allows you to view and manage family members’ access to your accounts. Each person is set up with a unique User ID and password, as well as permissions. As the owner of the account, you choose who can access your accounts, and what levels of authority the user will be granted. You can view Activity Logs of each user to monitor its use. In addition to Family Members, access can also be granted to an accountant or financial professional.

How many Family Banking users can I set up?
There is not a limit to the number of Family Banking users you can set up.

What levels of access can be granted to my Family Banking users?
Each user is assigned one of 4 access levels: view only, view and pay bills, view and transfer funds between accounts, or complete access.

How often can I update the access level for my Family Banking user?
You can update the access level of each Family Banking user as often as you wish.

What does a Family Banking user need to login?
On their first login, your Family Banking user will login with the User ID and temporary password that you set up for them. The Family Banking user will be prompted to change their password and set up security questions, similar to your initial login.

What if my Family Banking user is unable to login?
When a Family Banking user has trouble logging in, they must contact you (the account holder) for assistance. You can update the Family Banking user’s profile and reset the password. Please note: NetBanker Plus Support is unable to reset a Family Banking user’s password since we are unable to verify their identity.

What does an Activity Log include?
An Activity Log includes a list of recent activity for your Family Banking user, such as when there is an update to a password or security questions, or when a bill payment or transfer is completed. Please note: If a bill payment or transfer is scheduled, it will not appear in the Activity Log until the transaction posts to your account. Additionally, you will be unable to view transfers or payments set up by your Family Banking user until they post to your account; they will not be listed on your Pending Payments/Pending Transfers page.

If my Family Banking user initiates an unauthorized transaction, who is liable?
As stated in the NetBanker Plus Terms & Conditions, the primary account holder is liable for all transactions initiated by a Family Banking user. When you set up a Family Banking user, you are granting permission for the user to access your account and initiate transactions, based on their access level. If you have concerns, you can restrict the user’s access level to “view only” where the user is unable to initiate transactions.

If I have more than one account, can my Family Banking user view all my accounts, or can some of my accounts be restricted?
If you have multiple accounts, but only want your Family Banking user to view one or more accounts, you can choose not to display an account. To change your preferences regarding displaying an account, go to the User Services tab and select Manage Account Preferences. Please note: If you have signed up for eStatements, your Family Banking user can also view this area, and it cannot be restricted.

Account Dashboard

What is the Account Dashboard?
The Account Dashboard allows you to view many websites, all on one page. With just a few clicks, you can add your favorite news, sports, traffic and weather sites. You can also monitor all of your financial relationships, including:

* Bank accounts at multiple financial institutions
* Brokerage accounts
* 401(k) plans
* Mutual funds
* Insurance
* Credit cards

Security

How does North Community Bank protect my accounts from Internet fraud?
NetBanker Plus uses the latest Internet security technology, including secure sockets layer (SSL), firewalls, and data encryption that have been designed to provide maximum security.

Additionally, NetBanker Plus is equipped with Multifactor Authentication (MFA). Multifactor Authentication adds a step to your login process when additional security is needed. You will be asked to answer one of the five security questions that you set up during enrollment. Multifactor Authentication helps us verify your identity, and helps you verify that you are on the legitimate NetBanker Plus website.

Why is my account number displayed as * plus the last four digits?
For the protection of your personal information, NetBanker Plus only displays the last four (4) digits of your account number. This default setting is recommended, especially if you access NetBanker Plus in a public setting. If you prefer to view your entire account number, you can go to the User Services tab and select the Manage Account Preferences link.

How secure is my banking and On-line Bill Pay information?
Security begins with your browser session, which requires a defaulted 128-bit data encryption to prevent transactions from being read by unauthorized parties over the Internet. We recommend that you use one of the following browsers for this service:

Windows® Operating System

* Windows 2000, Windows XP and Windows Vista
* Internet Explorer 6 and higher
* Firefox 2.0 and higher

Macintosh® Operating System

* Mac OS-X Panther and higher
* Firefox 2.0 and higher
* Safari 2.0 and higher