INTERNET BANKING

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Want to know more? Follow the links above to learn more about SBSU's online banking system

Internet Banking Upgrade FAQ

We have enhanced our online banking services.

We think you'll appreciate the fresh design, the ease of use and the emphasis on security that you have come to expect from SBSU. Continue reading below for a few things we are doing to enhance and secure your online banking experience:

Security

Online banking is safe.  It allows you to view your account activity regularly and discover any errors before your monthly statement arrives.   Moreover, it allows you to transfer money or pay bills from the convenience of your own home.  

Truncated Account Number Display: One change you will immediately notice is that we have hidden all but the last four digits of your account numbers.  This oft-requested change will shield your account information from shoulder-surfers or others.

Password Assistance: Reset your own password anytime, day or night.  We’ll E-mail a new one to the address we have on file after you correctly answer one of your challenge questions. 

Multi-Factor Authentication to keep you Safe:  

• Always look for the unique image and phrase that you previously selected.  It will appear after entering your login-ID but before entering your password.  They are there to tell you that you have reached our official website, not some fake.  If you don’t see the image and phrase, contact us immediately at (435)865-2394.
• Challenge questions:  We’ll ask a challenge question whenever you sign in from a computer that we don’t recognize.

Paying Bills Online

SBSU partners with CheckFree for premium online bill-pay. If you're not experiencing the benefits of paying your bills online, CLICK HERE to learn how. Caution: two NSF charges may apply if CheckFree forwards money to your vendor but is unable to collect from you because of insufficient funds in your account. The first fee will be a standard NSF charge from SBSU (refer to fee schedule). The second will be a $20 fee from CheckFree at the end of the month.

Safety and Balance Alerts

You may setup alerts to notify you by E-mail whenever certain events occur, such as the following:

• Account balance alerts
• Address change
• Password change or resets
• Unsuccessful login attempts

Moreover, if you use bill pay, an alert is sent to the E-mail address on file whenever a payee is added or changed, or if the E-mail address is changed.

Safe and Secure

Online banking is safe and secure if you follow simple precautionary measures:

• Do not allow your browser to save password information.
• Always use a browser with 128-bit encryption (see system requirements).
• Memorize your password. Do not write it down.
• Exit Internet Banking when finished. Do not leave a computer with a live session in process.

VeriSign's Digital ID certificate protects your transactions over the Internet. Click logo to the left to learn more about VeriSign.

TWO FACTOR AUTHENTICATION

We have upgraded our Internet Banking security to one that requires more than just a user name and password to gain access, which is a one-factor system. The new system uses two factors.

The first factor is one of recognition. Have we seen your computer before? If not, the user is presented a challenge question in order to proceed. Several challenge questions are setup as part of the first-time login process.

The second factor is one of familiarity. Does the user recognize something unique about us? In order to answer that question we require the user to select a picture and type a brief phrase. Both appear each time the user logs into our Internet Banking System.

Pay attention to what you see. You play the most important role in security. If you don't see the correct picture or the passphrase is wrong, chances are you are being phished and have landed at a spoofed web site.

Call us at (435)865-2394 if you think something is wrong before divulging any personal or banking information. Whatever you do, do NOT provide your Debit Card number and PIN as an attempt to "To confirm your identity" regardless of the site you are on. Bank cards are useless for proving identity, but are valuable to thieves who want to drain your account from a foreign ATM. Click on this link to learn more about phishing.

INTERNET BANKING ~ Personal (Home)

Enroll now to obtain your password. FREE features include...

• Account balance information.
• Account activity history.
• "Deposit Only" feature allows you to transfer funds to any SBSU account that is also internet enabled. This is a great convenience for parents who have children away from home. 7:00 PM cutoff for same business-day processing.
• Look up statements
• Pay bills online (optional service) More information found here.
• Order checks.
• Q-Card reminders alert you by e-mail of account balances, birthdays or important dates.
• Transfer funds between your SBSU accounts.
• Create your own Direct Deposit:
  Transfer funds between SBSU and other financial institutions.
  • Log into Internet Banking, click the "Transfer" icon.
  • Click on the "External Accounts" button near the top portion of the screen.
  • Print the form and fill it out. Attach a voided check from your other institution.
  • Mail the completed form and voided check
              "SBSU"
              Attn: Computer Dept,
              PO Box 340,
              Cedar City, UT 84721-0340
  • Allow 5 days for the external account to appear on the same "Transfer" screen
  • Allow 2 days for the transfer to be completed after initiating.
  • There is a one-time $5 set up fee. Transfers are free of charge.
• Transfer funds between SBSU and other financial institutions.
  • Click on the "External Accounts" button from within the "Transfer" screen.
  • Fill out the form and mail to "SBSU Computer Dept, PO Box 340, Cedar City, UT 84721-0340
  • There is a one-time $5 set up fee. Transfers are free of charge.
• Pay all of your State Bank Loans online (use the "Transfer" page).
• Tap into your Home Equity or Commercial Lines of Credit. Note: These are the only types of loans that allow online withdrawals.
• View Checks Online! View the fronts and backs of your checks that have cleared the bank. Print copies from your PC by copying the images into a program such as MS Word and then printing from there.
• Download to your favorite financial software such as MS Money, Quicken, or Quickbooks. We maintain about 60 days of history for download.
  • Quicken® or Quickbooks® Download via Webconnect: Intuit generally supports webconnect functionality according to the following guidelines:
    • Quicken: Latest release + two prior releases. Quicken 2005 will be supported until the 2008 version becomes generally available.
    • Quickbooks: Latest release + one prior release. For example, Intuit will support Quickbooks 2005 until the 2007 version becomes generally available.
    • Click on History and then Export History.
    • Select Export via Webconnect to Quicken, or
    • Export via Webconnect to Quickbooks.
    • The export process will automatically start. A file will be created that you should save to your computer. After the file is saved, Quicken or Quickbooks should start automatically and take it from there. You may then be presented an option for a one-step update through Quicken or Quickbooks.
  • MS Money® - select OFC or OFX file format

INTERNET BANKING ~ Business (Cash Management System)

Access powerful payment and collections technology with the Cash Management tools of our Internet Banking System. Click Enroll Now and complete the form using your business name and EIN in place of your name and social security number. So Download to your favorite financial software such as MS Money, Quicken, or Quickbooks. We maintain about 60 days of history for download.

Quicken® or Quickbooks® Download via Webconnect: Intuit generally supports webconnect functionality according to the following guidelines:

• Quicken: Latest release + two prior releases. Quicken 2009 will be supported until the 2012 version becomes generally available.
• Quickbooks: Latest release + one prior release. For example, Intuit will support Quickbooks 2010 until the 2012 version becomes generally available.
• Click on History and then Export History.
• Select Export via Webconnect to Quicken, or
• Export via Webconnect to Quickbooks.
• The export process will automatically start. A file will be created that you should save to your computer. After the file is saved, Quicken or Quickbooks should start automatically and take it from there. You may then be presented an option for a one-step update through Quicken or Quickbooks.
• MS Money® - select OFC or OFX file format

Send a File: Use this feature to transmit your NACHA formatted ACH entries or text files to State Bank via a secure connection. Generate payroll, ACH payment, or ACH collection files with your own accounting software or favorite spreadsheet, then transmit the file to us through your web browser. It's fast, safe and secure.

Wire Transfers: Some transactions require payment by wire for guaranteed funds. Use this convenient feature to originate all of your wires. 3:00 p.m. cutoff for same business-day processing. Funds cannot be retrieved once sent.

Business/Cash Management Cost
A business typically gets all the features it needs for a low cost. For only $8.00 per user per month a business gets access to Internet Payroll, ACH credit origination (send money electronically), EFTPS (pay Federal taxes) and more. The feature to originate ACH debits is available at an additional cost and is subject to bank approval. Call us at 435-865-2394 to discuss Business/Cash Management Internet Banking.

CUTOFF TIMES FOR INTERNET BANKING TRANSACTIONS

• 11:00 AM for ACH Transactions: Allow two business days prior to the effective date for a safe operating margin. Submitting an ACH transaction to us with less than two business days lead-time means that SBSU will not guarantee timely* delivery to the destination account although we will process the file. Delivery may well occur timely, but SBSU does not assure it. ACH transactions include Payroll, ACH Receipts & Payments, Collections, and EFTPS.
• 7:00 PM Final Cutoff on Business Days: This cutoff time is important if you are using the Internet to transfer money to cover an overdraft or make a loan payment. Online transactions conducted after the cutoff or on a weekend will be processed the next business day.

* Timely is an ACH term that refers to posting to an account (settlement) on the Effective Date

SYSTEM REQUIREMENTS

Your browser must have 128-bit encryption to connect to our interactive Internet Banking System.

Microsoft Internet Explorer: We recommend version 6.0 or above with 128-bit encryption to connect to our Internet Banking System. Download the latest version of Internet Explorer from Microsoft. If you have trouble connecting to our site click "Tools" and "About Internet Explorer" within your web browser to see if the version and cipher strength are up to date. The cipher strength must be 128 bit.

Other Internet Browsers: We recommend Microsoft Internet Explorer, but you may use a browser of your choice as long as it is equipped with 128-bit encryption to connect to our interactive web site.