(Version WB May 2015)
Enrolling Online Banking is a simple process that takes only a few minutes. If you have an ATM or Visa Debit Card, select Enroll and complete the enrollment pages that follow.
First, you'll be prompted for your ATM or Visa Debit Card number, one of your checking or savings account numbers and your Social Security Number. This tells us who you are and which accounts are yours.
Next, you'll be asked for information related to the account that you just entered (for example: "What was your last deposit amount?"). This helps us confirm that you are the person who owns this account.
Finally, you'll be asked to select a User ID and password.
If you don't have an ATM or Visa Debit Card, don't worry, you can still register for Online Banking. Find out how.
To take advantage of Online Banking, you must use a 128-bit encrypted browser and enroll in the service.
Note: A customer cannot enroll using a Whitney Bank Credit Card.
You can enroll in Online Banking even if you don't have an ATM or Visa Debit Card; just call our customer service and a friendly Whitney Bank representative will assist you.
Within Online Banking, you have access to the following services:
Learn more about all of the features that Online Banking has to offer by viewing our Online Banking Online Banking Guide.
Online Banking displays both your deposit and loan accounts. You'll be able to see any account for which you are the sole owner, joint owner or authorized signer. (Note: You cannot access business accounts within personal Online Banking. If you would like access to your personal and business accounts online, you will need to enroll in Business Online Banking. Find out how.)
You may choose to hide an account from display in Online Banking. To hide an account from view, select Online Banking Preferences, Nicknames, then check the box for the account(s) you would like to hide.
First check to see if the missing account has been "hidden" from view by selecting Online Banking Preferences, Nicknames. If you see the account you are looking for, uncheck the box under Hide Account and click save. Now click Account Information. Your account should now be visible in your Account Summary.
If that does not solve the problem, then you may have a block on the missing account. Please call Customer Service for assistance.
Your account will be updated with information on two types of transactions: pending and posted.
Pending Transactions are transactions such as deposits, transfers or cash withdrawals and hold for debits or credits that have been authorized but not yet posted to your account. With Online Banking, you'll be able to see transactions through real-time updates.
Posted Transactions are transactions which have been processed and cleared against your account. This transaction information is updated daily, as pending transactions are completed and converted to posted transactions.
Note that some transactions values may change as they convert from pending to posted (such as authorizations with gas stations and restaurants). For example, gas stations will often pre-authorize $1 for a gas purchase. The transaction will be listed as "pending" until the full amount of the purchase has "posted".
The "Available Balance" is the amount of your current balance less any pending transactions. The available balance may include pending items such as deposits, transfers or cash withdrawals and holds for debit or credit transactions that have been authorized but not yet posted to your account. It does not, however, include balances from any overdraft protection services.
Yes. Transfers from LOC accounts are subject to the following restrictions:
Online Banking offers immediate, scheduled and recurring transfers. Transfers process differently based on what type of transfer is initiated and what types of accounts are involved in each transfer request. Some account types will not display the balance changes or the pending transactions until the next business day.
Your ability to stop or modify a transfer request varies based on the type of transfer in question.
Immediate transfers are not confirmed (and will not be processed) until you reach the "Transfer Funds Confirmation" screen. At this point, the transfer cannot be stopped. However, you can make a new transfer to move the funds back to the appropriate account.
Future dated transfers can be edited or deleted at any point in time prior to the transfer date.
To ensure security for your accounts, we may disable your Online Banking enrollment if you don't login within 180 day time period. Further, if you don't login within a 210-day time period, your enrollment in Bill Pay as well as any scheduled transfers will be cancelled. Please contact Customer Service if you experience any difficulty in accessing Online Banking due to inactivity.
Yes. In the event of a disaster, you can count on Online Banking to remain accurate and available.
This message will display during certain processing windows. Available balance and account activity will be updated after processing. If this happens, try again later or contact Customer Service.
Yes. The security of online activity with the Online Banking system is a top priority for us at Whitney Bank, and we've taken strong measures to ensure that your information remains safe and confidential. 128-bit encryption, multi-factor authentication, separate transfer passwords, Trusteer's Rapport software and the VeriSign Seal are just a few ways we demonstrate our commitment to protecting your information. Read on to find out more.
The first step is the use of a secure browser. Certain browsers and computers have the ability to communicate securely by scrambling information as it passes through the internet. This method of communication is called SSL, or Secure Socket Layer. We require the use of a secure browser (128-bit high encryption) before a connection with our transaction system can be made.
You'll also notice the VeriSign Secured logo on the Online Banking pages. The VeriSign is the most trusted mark on the internet and indicates that we use VeriSign to protect your information. VeriSign ensures that your information is protected by strong encryption technology and rigorous business authentication practices.
The Online Banking system also offers increased security for your finances by allowing you to more closely monitor your accounts; you can check your balances and transactions as frequently as you wish; you can set alerts to let you know when your account reaches a certain balance; and you can set a separate password for transfers.
In addition to your personal password security, Online Banking offers even more security measures with OnGuard Security. OnGuard Security strengthens the safegaurds in place at login, by adding steps to verify your identity. Part of this identification process includes recognizing the computer you normally use to access Online Banking. This information, along with your normal login details, is incorporated in to your online identity profile. When you log in, you'll enter your logon ID and password. If you are using a computer that has been enrolled in OnGuard Security, then that's it! No other steps are needed. If you choose to log in from a computer you don't normally use, you will be prompted to answer an additional security question before you can access information online.
Once you are signed on to the secure portion of Online Banking, mouse over "Preferences" and select the "Change User ID" option or the "Change Password" option depending upon which you want to change. Please note that passwords are case sensitive.
If you have forgotten your password, you may either contact the customer service department or use the "Forgot Your Password?" online assistance tool on the sign-on page. If you use the "Forgot Your Password?" tool, you will be asked for your current User ID as well as the answer to one of your previously selected security questions. Upon answering these questions properly, your password will be reset and the first half of your new password will be displayed on screen. The second half of your new password will be emailed to you at the address on file for you (as shown in your "Online Banking Preferences - Security Info").
You are receiving this message because the answer you have entered does not match the answer we have on file for you. If you continue to get this message, please contact Customer Service for assistance. Please note that passwords are case sensitive.
If your Online Banking session remains idle for 10 minutes, the system will automatically log you off. At this point, you will need to sign on again to Online Banking to reopen your online session.
Click here for a list of Mobile Banking FAQs.Return to Top
Bill Pay is available to Whitney Bank customers who have a personal checking account AND are enrolled for Personal Online Banking. Bill Pay is free for eligible checking accounts.
If you are not an Online Banking customer, you'll need to start by enrolling in Online Banking.
Signing up for Bill Pay is fast and easy; all you need is a personal checking account with Whitney Bank and an active Online Banking profile. Simply sign on to Online Banking and select the "Bill Pay" tab. If you're not already enrolled as a Bill Pay customer, you will be presented with an Bill Pay Enrollment prompt where you will be asked for certain personal information (your name, address and telephone numbers) to confirm your identity. You'll then be asked to select the primary checking account that will be used to process Bill Pay transactions. The monthly Bill Pay fee, if applicable will also be deducted from this account. Bill Pay is free for eligible checking accounts.
Bill Pay creates a profile of the funding accounts you choose at enrollment. When you log on to pay bills it allows you to select from any of those checking accounts when making a payment.
Depending on the merchant/payee, your scheduled payment will be made by check or electronically via ACH (automated clearing house). When scheduling payments, be sure to choose a "due by" date several days in advance of the actual due date reflected on your bill statement. The earliest "due by" date will be automatically displayed.
Late or undelivered payments are not common with Bill Pay. However, if this does happen, please contact our Online Banking & Bill Pay Customer Service and a representative will immediately begin researching the situation. Issues are often resolved quickly with late fees reversed in many cases. Whitney Bank will then work with our Bill Pay partner and the merchant to determine what happened and to address the situation.
Please refer to the Terms of Conditions for the Bill Pay Service for more detail pertaining to payment disputes.
For electronic payments, funds will be deducted from your account and credited to the merchant on the "due by" date you have selected. For check payments, funds will be debited from your account when the check is presented to us for payment.
Bill Payments by check are drawn on your account just like a normal check. If there is an insufficient amount of available funds in your account to cover an Bill Payment check, we may either pay the check and charge your account for the check and an overdraft charge or decline to pay the check and charge your account a NSF fee.
Your Bill Payment EFT will be processed and sent to the merchant. However, your funding account will be charged a NSF fee if funds are not available. Also, any amount funded by our third party Bill Payment Services Provider will become an obligation that you owe to such provider. This provider may re-present the declined EFT via an ACH debit up to two more times. Each time you do not have sufficient available funds on deposit to pay the ACH debit, we may charge you a NSF fee. If this declined Bill Payment EFT is not repaid to our Bill Payment Services Provider, this provider may take other actions to collect the obligation, including referring the obligation to a third party debt collector.
Until the obligation equal to the amount of the declined Bill Payment EFT is paid, we may block our Bill Payment Services and no payments, including recurring or otherwise previously scheduled, will be made until the obligation is paid. You are responsible for rescheduling any payments not processed while your Bill Payment Services are blocked. Once the obligation is paid, our Bill Payment Services Provider has up to 48 hours to reactivate such services.
You can use Expedited Payments to make same-day electronic payments or next-day payments via overnight check. Cut-off times vary by payee. When you select to make an Expedited Payment, you will be presented with a list of payees that qualify for expedited payment at the time. Fees for this service vary based on whether the item can be processed electronically or by check. Exact fees will be disclosed prior to completing an expedite request.
If you are not an Online Banking customer, you'll need to start by registering for Online Banking.
Online Statements are available for most Checking and Savings accounts, excluding CDs, IRAs, and Christmas Club Savings accounts. Online Statements are not available for loans at this time.
Yes, you will have access to inserts and disclosures through special links inside Online Banking once you are enrolled in Online Statements. To view inserts and disclosures, simply log on to Online Banking and select the Online Statements tab. Then click on the "view inserts" link at the bottom of the page after selecting to View Statements. A "View Statement Disclosures" link will open a PDF copy of the statement backer page, containing the general disclosures normally provided on the back of the first page of your mailed statement. This page will also display within the PDF of your Checking statements as the last page to view, save or print.
Your first Online Statement will be available beginning with your next statement cycle following enrollment.
Each time a new statement is available, you will receive an email notification at the e-mail address on file. This notice will not include any personal information or full account numbers. You will receive a separate notice for each account that is enrolled in Online Statements. Joint owners who also have a separate Online Banking profile, and are enrolled in Online Statements, will also receive notification via e-mail when the statement is ready.
You may update your e-mail address by logging on to Online Banking. Mouse over the "Preferences" tab. Select Security Info, enter your new e-mail address and click Save.
You may also update your e-mail address by contacting Customer Service.
No, the e-mail notification is sent for your security and protection and is not optional.
To view your Online Statement, log on to Online Banking and select the Online Statement tab. Select view statement to the right of the account for which you would like to view. A list of the available statements for this account will appear. Select the statement you would like to view. The statement will open in PDF format through Adobe® Acrobat® Reader. If you do not have Adobe®, you may download it at no charge. You can visit our Tools and Plug-Ins page to get started with this download.
You will begin building up to 7 years of history when you enroll an account in Online Statements.
If you currently receive check images with your statement, they will be included in the PDF document with your Online Statement.