American National Bank of Texas

 
FAQs

ANBTX Online

What is ANBTX Online?

ANBTX online banking allows our customers convenient access to their accounts via the Internet in a secured environment. Any PC with Internet access can directly link you to your American National Bank of Texas accounts!

  • Basic online banking is free
  • Online bill pay is free (additional fees for Premium Business Bull Pay)
  • Check balances
  • Transfer funds
  • Make loan payments
  • View and print daily account activity
  • Download to personal financial software (Restrictions apply)


Do I have to apply to use ANB Online Banking?

Yes, an application is required to sign up for ANBTX Online Banking for each person who wants access to their account. Upon receipt of the application, a User ID number will be assigned and a letter with login instructions will be forwarded once the application is processed. Upon initial login you will be required to select a password of your choice.



Can Businesses apply for Online Banking?

To apply for our Business Online Banking service, please complete the business application and submit online. Upon receipt of your information, an ANBTX Officer will contact you within three (3) business days to determine the options best suited to meet the needs of your business and assist you in completing required documents.



How do I use ANB Online Banking?

Click on the Online Banking link, at the login page and enter your User ID and password. You will be shown a list of your accounts and the balance in each. From the pull down menu select the function for the account you are interested in and press the "GO" button. Any additional pages will have action buttons that will lead you through your transaction.



What if one of my accounts does not appear on my account list?

You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon for assistance.



What happens if I open a new account after I am already signed up for ANB Online Banking?

New accounts do not automatically appear on the ANBTX Online Banking system. Simply call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon, and ask to have the account added to your profile. You must be sole or joint owner of the account to have it added to your profile.



Can I change my User ID and or password?
Yes, under the Home Banking section simply click on the management drop down to access the Account Management page. On this page you can control and create such items as:
     · Change Password - You may change your password.
     · Change User ID - You may create your own User ID.
     · Reset Login Count - To keep a closer watch on the
       security of your accounts, you may wish to set your login
       count back to zero periodically.
     · Change Pseudo Account Name - You may create your
       own names for your bank accounts.
     · Display Options - You can choose how many of your
       accounts that you would like displayed at a time.
     · Change Your Cash Management Password - You may
       change your cash management password at any time.

What if I forget my password?

For security purposes, three consecutive invalid login attempts will lock you out of the system. Please call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon, to have your account unlocked.



What if I get an error message?

If you get an error message, please make a note of the message, the error number, and the time. Then call the bank at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon to report the error message. We will make every effort to resolve the issue as soon as possible.



What does it mean when I get a BLANK screen and cannot login?

ANBTX Online requires 128-bit encryption (a high level of coding for security purposes). If your computer browser does not have this level of encryption, a blank screen will be displayed. At the very top of the screen you may see a message displaying the need of 128-bit encryption and JavaScript.



How can you secure my banking information?
We have extremely high criteria for security of your online banking information. A few of these are listed below:
     · Your banking information never travels the Internet without encryption protection.
     · Login sessions have a time-out limit and after the limit is reached you are required to login again.
     · Password guessing is deterred and reported.

How do I know if my Internet browser has the right level of security and encryption for ANB Online?

You can test your browser here to check the level of your encryption. If an update is required you will be given further instructions.



Why can’t I transfer funds online between my corporate and personal accounts?

Banks are required to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account. This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorships will continue to have the ability to transfer funds between their business and personal accounts.



How does ANBTX Online Bill Payment feature work?

Bill Pay allows you to pay all of your bills at your convenience from any PC connected to the Internet.



Are there fees associated with Online Bill Pay?

Consumer Bill Pay service is free with unlimited check writing. * Fee subject to change



How do I sign up for Online Bill Pay?

If you are a current ANBTX Online user, simply contact our customer service center during regular banking hours at 800-837-6584 for assistance. Current ANBTX customers not enrolled in either service are welcome to complete and submit our Online Application or stop by one of our convenient locations.



How do customers’ accounts get charged for online bill payments?

Check payments are encoded with the customer’s account number and a sequential check number beginning at 1000000001 is encoded on the check. These checks clear against the customer’s account as if they had written a check from their own checkbook. The signature line on the check will be printed with "Signature on File". Electronic payments are verified for availability of funds during the noon processing. The customers’ account is debited for the payment if the funds are available.



How do customers establish electronic payments?

Select the Add New Payee from the Bill Payment drop down menu. To set up an electronic payee, click on the binoculars. Select the first letter of the payee name from the alphabet list or type in the payee name. Click on the Help link for further information.



When are transactions (payments) processed?

Payments are processed each day Monday through Friday (excluding holidays) at 12 noon Central Time. Any payments issued via check will be printed and mailed (postal) the same day if entered up to noon Monday through Friday (excluding holidays and weekends). Electronic payments will be processed the same day if entered up to noon Monday through Friday (excluding holidays).



What is the lead-time for a payment to be made?

Since check payments entered before noon CST Monday through Friday (excluding holidays) are mailed that day, sufficient time must be allowed for the post office to deliver the check. Please allow 5-7 days (excluding grace period, holidays or weekends) for paper check payments. Allow 3-4 days (excluding grace period, holidays or weekends) for electronic payments. If a scheduled payment falls on a weekend it will be processed on Monday (except holidays). New payments scheduled during the weekend will be processed on Monday (except holidays). All payments scheduled for a holiday will be processed the day after the holiday. Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address, and account number.



Why are there two lines for one of my payments?

If you setup your payee’s with the information on your bill, it may not be the correct address for electronic payments. Our Bill Pay provider may substitute addresses when it transmits the payments. If this occurs an additional line will be on your Schedule.



Why do I have two sets of passwords?

The Cash Management product allows for you to set up separate ID’s and passwords for all your employees. Each company will have an ANBTX Online ID and password and then each employee will have their own ID and password. When setting up your employees, you can also specify which of your accounts the employee has access to.



Who do I call with questions?

Call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon.



eStatements

What is an e-Statement?

An e-Statement is an electronic PDF version of your statement and image pages (if applicable) available online via our secure site. You will receive an email notification when it is available. You can view, print and save your statement right from your computer. In addition to statements, some notices have also been made available for electronic delivery.



How do I sign up for e-Statements?

You can enroll through your ANBTX Online Banking Account. Log in to your ANBTX Online Banking Account, click on the e-Statement tab and input the information required for enrollment.



What is Adobe Reader and why do I need it?

Adobe® Acrobat® ReaderTM is free software used for opening and viewing statements or notices. Adobe® Acrobat® ReaderTM version 6.0 or higher is required. To download the latest version of Adobe® Acrobat® ReaderTM, you can go to:  http://get.adobe.com/reader/



Is there a fee for eStatements?

There is no charge. e-Statements are FREE!



How is the e-Statement different from the statement that I can currently view in Online Banking?

The statements that are available through Online Banking can be viewed in multiple formats-Adobe, html, and text. However, these statements do not contain ANBTX Branding, nor do they contain the images of your checks included with the statement. The Online Banking statements will still be available.



Are check images available with my e-Statement?

Yes. If you currently receive images of your checks in your paper statement, then you will continue to receive images of your checks with e-Statements. Some of our deposit products do not offer the return of images in the statement. If you do not currently receive images, you will not receive them electronically.



Will my e-Statement look the same as my paper statement?

Your e-Statement looks similar to your paper statement and contains all of the same information.



Can I receive e-Statements without enrolling in Online Banking?

No. You will need to enroll in ANBTX Online Banking. Once you are enrolled in Online Banking, you can proceed to the e-Statement tab. Your ANBTX Online Banking login ID and Password are used to access your e-Statements and notices.



My husband and I have a joint account and we both have Online Banking. Are both of us able to enroll for e-Statements?

No. Only one account owner may be enrolled to receive e-Statement documents on joint accounts. Whoever signs up for e-Statements first, is the person that will receive the e-Statement documents.



Can I save my e-Statement for future reference?

Yes, you can save the PDF file to your computer or a device of your choosing. Statements and images are accessible for 60 days after they are made available so saving them is important for record retention. Notices are available for 30 days.



Can I receive an e-Statement for all of my accounts?

Any checking or savings account that is available to you within Online Banking is available to be delivered electronically.



When can I view my e-Statement?

We will send an email notifying you when your e-Statement or notice is ready to view. After notification, the e-Statement will be available within ANBTX Online Banking for 60 days. Notices will be available for 30 days. Go to the e-Statement tab, and they are located under the Statements and Notices section.



Is my statement information secure?

As is the case with everything traveling through the Internet, security can be a concern. All data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. For these reasons the following security measures are in place:
 
We will include your security phrase in the subject line of all emails that are sent via the e-Statement Service. You should always verify the security phrase is the valid phrase that you created. Also, the notification email does not contain any actual documents. The attachment contained within the notification email, when opened, will display a Login page. This Login page will also include your security phrase for you to validate. You will login using your Online Banking ID and password to obtain access to the actual document.



Will I need a password to view my e-Statement?

Yes. You will use your ANBTX Online Banking ID and password to gain access to your e-Statements and notices.



Will I be able to print my statement and check images?

Yes. Once you open the e-Statement or notice, you will be able to print it just like you print any document on your computer.



After I enroll for e-Statements how long will it take for it to go into effect?

Once you have received your enrollment confirmation email, it can take up to 48 hours for the system to complete all the changes necessary to move your paper statements to electronic.



I signed up for e-Statements but then I received a paper statement?

The entire process from enrollment, confirmation and necessary system changes could take up to 48 hours. Depending on the time of your enrollment, you could receive one additional paper statement.



What happened to the back page of my statement?

This page is accessible by clicking the link located at the top of your statement page, under the e-Statement logo. The link is named- Disclosures.



Who should I contact if I forget my User ID or Password?

If you forget your User ID or Password, please contact customer service at 800-837-6584 during normal business hours.



What if my email address changes?
Sign in to ANBTX Online Banking. Go to the Options tab, click on the email section, input your new email address and click save settings. or
Sign in to ANBTX Online Banking. Go to the e-Statement tab, click on the email option, input your new email address and click save settings.
This change will be reflected throughout ANBTX Online Banking, as well as any other email address that ANBTX has on file for you.

If I have more than one account do I have to individually enroll each account?

No. When you enroll, all of the accounts that are available to you through Online Banking will be listed. By default, all accounts, including statements and available notices, are selected. If there are statements or notices that you do not wish to receive electronically, you will need to “deselect” those documents either during enrollment or through the Documents and Settings section within the e-Statement tab.



How do I cancel my e-Statement?

Sign into your Online Banking account and in the upper right hand corner click on “Contact”. This will generate an email through our secure email system. Please provide us with your name, account number, and a contact phone number with the request to cancel receipt of electronic e-Statements and/or notices. You may also contact our Customer Service Department at 800-837-6584 during regular business hours.



If you save your statement or notice, is it available longer than the 30 or 60 days that it will be available within Online Banking?

Yes if you save it to your computer. The 30/60 day time frame is only within Online Banking. If you save the document to you computer, you have full control as to how long the document remains on your computer.



Will the entire account number appear on Statements and Notices?

Yes, however account number information will not show within the emails themselves.



Mobile Banking

How do I begin using ANBTX Mobile Banking?

To use ANBTX Mobile banking you must:

  1. Have an active ANBTX-Online Banking account.
  2. Have a web-enabled mobile phone/device whose network allows secure SSL traffic.
  3. Enroll in Mobile Banking.


How do I enroll for Mobile Banking?
Active Online Banking users can enroll using either a mobile device or a computer.

From a mobile device:
Go to www.anbtx.mobi
Log in using your ANBTX-Online Banking account ID and Password
Accept the Mobile Banking Agreement by clicking the checkbox next to I Agree
Click Next 
Complete the required information
An SMS text message with the enrollment confirmation will be sent to your mobile device following successful completion of your enrollment.

From a computer: 
Go to www.anbtx.com
Log in to your ANBTX-Online Banking account
Go to Options> Mobile Settings
Complete the required information
An SMS text message with the enrollment confirmation and a link to the ANBTX mobile website-www.anbtx.mobi - will be sent to your mobile device following successful completion of your enrollment.

I received the enrollment confirmation text message, what is the next step?

iPhone™ or Android™ users:
Download the free MY ANBTX app from the Apple Store or Google Play.
Log in using your ANBTX Online Banking ID and Password.

All other mobile devices:
Select the link within the enrollment confirmation text message or type www.anbtx.mobi in your phone’s web browser.
You may wish to “bookmark” this website for future use.
Use your ANBTX Online Banking ID and Online Password to log in to your ANBTX Mobile Banking account.



Is there a fee for the Mobile Banking service?

No. The ANBTX Mobile Banking service is provided free of charge. However, web access is needed to use ANBTX Mobile Banking and you may be charged access rates depending on your service provider. Check with your service provider for details on specific fees, charges and/or data packages. You are responsible for the charges from any wireless service provider while using ANBTX Mobile Banking.



What functions can I perform from my mobile device?
You can:
  • View Transaction History
  • View Account Balances
  • Transfer Funds between accounts
  • Pay Bills to existing payees
  • View Alerts


What type of mobile devices can be used to access accounts?

ANBTX Mobile Banking will work with any web-enabled mobile devices whose networks allow secure SSL traffic. This does include tablet devices.



Do you have a Mobile Banking app for an iPhone™?

Yes. The MY ANBTX app is available in the iTunes Store. You may also use this app on your iPad™.



Do you have a Mobile Banking app for an Android™?

Yes. The MY ANBTX app is available in Google Play. You may also use this app on your tablet.



What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings within Online Banking (go to Options > Mobile Settings) and make any changes to the Wireless Provider and/or Phone Number.



What do I need to do if I get a new mobile device?

If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your ANBTX- Online Banking account and update your device information under Options > Mobile Settings.

If you were using the MY ANBTX iPhone™ or Android™ App you will have to download the app to your new phone.



What do I need to do if I get a new mobile phone number?

If you get a new phone number, log in to your ANBTX Online Banking account and update your phone number under Options > Mobile Settings. If ANBTX does not have your correct phone number, you will not receive SMS Text Messages regarding Mobile Banking transactions.



What do I need to do if I get a new mobile provider?

If you get a new provider, log in to your ANBTX Online Banking account and update the provider information under Options > Mobile Settings.



Can I search for a transaction within Mobile Banking?

No. There is not a search feature within ANBTX Mobile Banking.



What happens if I lose communication/signal during a transaction?

If you have selected to receive text alerts, when you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, you need to check your accounts. Log in to your ANBTX Online Banking account to verify the transaction and re-submit any transactions that did not process.



How do I know if my transfer or bill payment was entered successfully?

If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS Text Message is sent to your mobile device. If you do not receive a confirmation text message, verify the transaction by viewing your recent transactions via Online or Mobile Banking or call our Customer Care Unit at (800) 837-6584 during normal business hours.



Can I set-up recurring Bill Payments within Mobile Banking?

No. You can only set up one-time immediate bill payments via Mobile Banking. Payments will process during the next Bill Pay processing time. (Bill Payments are processed each Business day at 2:00 CST.)



Can I add a new Bill Payment Payee via mobile banking?

No. Functionality is limited to sending payments to already established payees. To add a new payee, log in to your ANBTX Online Banking account, select Bill Pay, and add a new payee. You may then submit payments to that payee via your mobile device.



Can I delete a Bill Payment through my mobile device?

No. You must log in to your ANBTX Online Banking account and delete the payment within the Bill Pay module.



When I try to enter an amount for a bill payment or transfer, I cannot enter any numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.



What happens if I get locked out of my ANBTX Mobile Banking account?
Contact our Customer Care Unit during normal business hours at (800) 837-6584.
Note: If you are locked out of ANBTX Mobile Banking, you will also be locked out of ANBTX Online Banking.

What if I can’t get my mobile device to work with Mobile Banking?

If you experience issues when accessing ANBTX Mobile Banking, please make sure of the following:

  1. You must first enroll for ANBTX Mobile Banking before you can gain access.
  2. Your mobile device must be web enabled.
  3. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider for verification.)


Why am I being asked to answer Challenge questions when I first log into ANB Mobile Banking?
Our behavioral monitoring software has detected a variation in your user pattern. For your protection, we ask that you verify your identity by answering your personal questions. Once verified, you will be directed to the page you requested.

How do I un-enroll from Mobile Banking?

Log in to your ANBTX Online Banking account. Select Options > Mobile Settings > Deselect Mobile Banking Access> Click Agree.



Can I control which accounts I see within Mobile Banking?

Yes. You can add or delete the accounts you want to see within Mobile Banking. Log in to your ANBTX Online Banking account. Select Options > Mobile Settings. Your available accounts are listed at the bottom of the Mobile Settings screen. Select or deselect the accounts you want or don’t want to see within Mobile Banking.



Direct Connect

What is Direct Connect?
Direct Connect is an interface between Online Banking and Intuit's financial products, Quicken and QuickBooks. It directly connects online banking accounts to these products, allowing you to download account information into the products without having to login through Online Banking.

What are the benefits of Direct Connect?
  • Easier to use: No manual entry to obtain bank transactions. Allows you to take advantage of Quicken/QuickBooks’s One Step Update feature, which instantly connects Quicken/QuickBooks to the bank’s server to download transactions and balances, and schedule payments.
  • Automatically reconcile data: Complete transaction and balance information makes categorization and account reconciliation easy.
  • No duplicate transactions: A special transaction-matching algorithm prevents the download of duplicate transactions.


What is the cost?
At this time there is no cost for Direct Connect for ANBTX Online Banking customers. You must own or purchase Quicken or QuickBooks to use Direct Connect.

What version of Quicken/QuickBooks can I use?
In order to download your account information or access it directly through Direct Connect, you must use Quicken/QuickBooks 2007 or newer versions with Online Banking.

How do I get started?
Once you load Quicken or QuickBooks on your PC, you will select the financial institution where your Online Banking account is held (American National Bank TX), log in using your Online Banking ID and password, select the accounts you would like to add to Quicken/QuickBooks, and select through Quicken/QuickBooks where you want to put the data.

What functions can be performed?
Direct Connect allows you access to your Online Banking accounts through Quicken/QuickBooks. You can download your transactions and balances, pay your bills online, transfer funds between eligible accounts, see all your finances on one page, and utilize the personal financial management tools that Quicken/QuickBooks has to offer.

How many transactions are available to import?
1 year of transaction history is available.

How are transactions updated?
Transactions are updated using Quicken/QuickBooks One Step Update feature. You will need your Online Banking password to perform the update.

Where will I find my downloaded transactions?
When you download transactions through Direct Connect, the transactions wait in the Downloaded Transactions Section at the bottom of the page. You need to review the transactions for accuracy, categorize and tag the transactions, and then accept them.

How are transfers and bill payments handled through Direct Connect?
  • Transfers
    Transfers and scheduled transfers can be made using Direct Connect. Transfers initiated before 2 p.m. CST (excluding holidays and weekends), are posted to the account the same day. Transfers completed after 2 p.m. CST (excluding holidays and weekends), will be posted on the next business day.
  • Bill Payments
    One-time payments can be made using Direct Connect. Recurring Payments cannot. Electronic payments are processed the same business day if the request is made before noon CST (excluding holidays and weekends) and require a lead-time of three to five (3-5) business days. Payments made by check are processed the same business day if the request is made before noon CST (excluding holidays and weekends) and require a lead-time of seven to ten (7-10) business days.
     
For your protection, certain types of transfers and bill payments must be made through ANBTX Online Banking and cannot be setup, edited, or changed using Direct Connect. These include:
  • Recurring or Electronic Payments
  • Editing Bill Payments
  • Password Changes


Can bill payments be deleted or cancelled through Direct Connect?
Yes. You must be careful; payments can be deleted or cancelled through Direct Connect. Once a payment is processed through the system, it cannot be reversed.

How are bill payment payees handled?
Payees entered through Quicken/QuickBooks will be paid via check. Payees will not display on the Online Banking Payee list until a payment is made. Payees from your previous bank or provider will not convert to bill pay.
NOTE: Payments made by check are processed the same business day if the request is made before 12 Noon CST (excluding holidays and weekends) and require a lead-time of seven to ten (7-10) business days.
 

Where can I get more information on my version of Quicken/QuickBooks?
Refer to Intuit’s User Guide for the product version you purchased for instructions on creating accounts and enabling them for use with Direct Connect. You may also find instructions on Intuit’s website at http://quicken.intuit.com or http://quickbooks.intuit.com

Who do I call for help with Quicken/QuickBooks?
Quicken Support: 800-811-8766 http://support.quicken.intuit.com
QuickBooks Support: 888-320-7276 http://www.quickbooks.com/support

MoneyHD

What is MoneyHD?
MoneyHD is a PFM, Personal Financial Management tool, that helps you budget and manage your finances.  It allows you to import all of your accounts, across multiple institutions, so you can see your balances and transactions all in one place.  It is available for free through online banking.

How do I get started with MoneyHD?
1) Set up your account, 2) Add all accounts, 3) Categorize transactions, 4) Create budgets.
 
1) Log in to your online banking and find the link for “MoneyHD”.  Accounts from your primary institution will automatically begin syncing to MoneyHD.  Follow the instructions in the setup wizard to add your accounts with other financial institutions.  Enter your profile information to complete the setup.
 
2) When the initial setup is complete, open the Accounts View and verify that you have added all of your financial accounts.  Add any missing accounts and manual accounts for property, like homes or vehicles.  You can also create manual accounts for accounts that are not supported or are broken.  See “How do I fix an account that is ‘broken’?”
 
3) After all of your accounts have been added, open the Transactions View and review your transactions for accuracy.   Transactions are automatically categorized for you, but they are not always accurate and may need to be re-categorized.  Your changes will be applied to future transactions.  You may want to enter additional details about your transactions; see “How do I manage my transactions?”
 
4) With your transactions correctly categorized, you can easily create budgets based on your actual spending history.  Open Budgets and follow the instructions to generate a budget.  You can also create a budget manually.  See “How do I create a budget?”

How do I get MoneyHD on my iPhone or iPad?
1) Set up your account in online banking
2) Generate an access code:
  • Click on the gear icon in the navigation bar to open Settings
  • Click on the Mobile Devices tab
  • Generate an access code
3) Download MoneyMobile from the App Store
4) Enter the access code to sync your accounts

How do I add an account?
Open the Accounts View and click on [+Add an Account] in the sub navigation bar.  Type the name of your institution to search our database, then select the correct option from the list and enter your login credentials. 
 
If your institution is not supported, you can add and manage your accounts manually.  This will require that you periodically edit your account to update the balance.  See “How do I edit an account?”  Entering manual transactions will also update your balance accordingly.  See “How do I add a transaction?”

I added my Checking and Savings accounts from another financial institution. Why didn’t my loans and other accounts import as well?
It depends on the institution, but you will usually need to add each account separately.  This means that if you have 3 accounts with an institution, such as checking, a loan, and a credit card, you will need to enter your login credentials for that institution for each account.

How do I edit an account?
Open the Accounts View and click on the account you wish to edit.  This opens the account detail view where you can change an account name, type, and interest rate.  You can also edit the account balance of manual accounts.

I can see my loan details, like original balance and interest rate, for my primary institution accounts. Why don’t I see them on my other accounts?
Not all institutions are able to send us that information.  You should always check your loan details to make sure they are correct in MoneyHD.

How do I delete an account?
Open the Accounts View and click on the account you wish to delete.  Click on the trashcan icon and confirm your decision to delete the account.  You cannot delete an account from your primary institution, so the trashcan icon will not be present.  You can, however, exclude a primary account by clicking on [Exclude from App] in the transaction detail view. This will exclude the account and its transactions from being calculated into your budgets, spending etc.
 
Note that deleting an account also deletes all historical balance and transaction data associated with that account.  Do not delete an account unless you are sure you are okay with losing all associated data.

Can I recover transactions or other data from an account I have deleted?
No, so only delete an account if you’re okay with losing all history for that account.  Otherwise, try adjusting the Show/Hide account settings for the account instead.  Also, know that if you delete an institution, all accounts under that institution will also be deleted.

How do I fix an account that is “broken”?
From the Accounts View, broken accounts will be displayed with an exclamation point in red over the top right corner of the account card.  Click on the “broken” account to open the account detail view, then click on the red warning message in the Link Status section.  You may be required to re-enter your login credentials. A notification will also appear on the “Manage Institutions” icon in the navigation bar.
 
If the account continues to fail:
  1. Login to your financial institution’s online banking to verify your login credentials are correct and that there are no holds on the account preventing you from signing in.
  2. Add the account again, and pay special attention to the URL to make sure you are attempting to add the correct financial institution.  Many institutions have similar names and websites.
  3. Contact MoneyHD for support.  See “How do I get help?”


One or more of my external accounts would not import to MoneyHD. Why?
There are many types of online banking accounts, and not all are compatible with common aggregation methods.  MoneyHD utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage, but when an unsupported institution is encountered, a manual account can be created in the Accounts View.

Can I add an account in MoneyHD that isn’t supported for automatic download?
Yes!  Open the Accounts View and click on [+Add an Account] in the sub navigation bar.   Choose the account type and enter your account details, then click [Save It].
 
You will need to update this account manually by updating the balance and entering transactions periodically.

How do I add an asset, like my home or vehicles, to balance my loans in net worth?
Open the Accounts View and click on [+Add an Account] in the sub navigation bar. Choose “Property” as the Account Type and select the appropriate Property Type. Enter in the account details and click [Save It].

How do I add a transaction?
Manual transactions can only be added to manual accounts.  Transactions associated with linked accounts will be imported automatically when you sign on.  To add a manual transaction, open the Transactions View and click on [+ Add Transactions] in the sub navigation bar.
Select a manual account from the dropdown menu, enter the transaction details, and click on [SAVE IT].

How do I edit a transaction?
Click on a transaction to open the transaction detail view.  To categorize a transaction, click on the category field of the transaction line and select from the dropdown menu.  You can also edit other transaction details like payee description, tags, flags, and memos, as well as split a transaction from this view.

How does MoneyHD categorize transactions?
When transactions are imported, they are auto-categorized based on how you and other users have categorized similar transactions. When you change a transaction category, MoneyHD will remember your preference for next time.

How do I manage my transactions?
The Transactions View provides an easy way to review or find transactions from any account, over any time period.  You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date. 
 
You should always take a moment to review newly imported transactions.  Not only does this help you keep track of your spending, but will also help you to quickly identify fraudulent charges.  When reviewing your transactions, make sure you recognize the transaction, and verify that it is categorized correctly. 
 
To view more or edit detail on a transaction, just click on it.  You can customize your transactions using the following features:
 
  • Category – Categorize transactions so your spending will be accurately reflected in Spending and Budgets.  Click on the category field and select the correct category from the dropdown list.
  • Flags - Flag a transaction “B” for business-related, “P” for personal (default), or mark it with a flag to make it stand out in the transaction list. 
  • Tags – Create custom tags to label transactions for searching.  For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
  • Memo – Add a memo when you need to remember special details about a transaction.
Split – Split a transaction between multiple categories to account for specific amounts in Spending and Budgets.

How far back will MoneyHD import my data from my primary institution and other institutions?
MoneyHD will import 90 days of transaction history from your primary institution.  The amount of data that will be imported from other institutions depends on the institution. 
 
After the initial account setup, MoneyHD will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.

How far back does MoneyHD save my transaction and budget history?
MoneyHD will save your history for as long as you keep your account with your primary institution.

How do I create my own category?
Click on the transaction you wish to change to open the transaction detail view, then click on the category field to see a list of existing categories.  You are able to create a custom subcategory beneath any of the main categories, but you cannot create a new main category.  Hover over the main category your custom subcategory will belong to, then click on [Enter A New Sub-Category] in the side menu.  Name your subcategory and click [+] to confirm.

How do I categorize loan payments and transfers?
There is a special category called “Transfer” for loan payments and transfers that will exclude those transactions from Spending and Budgets. 
 
A word on loan payments – All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money paid towards the debt, decreasing what you owe.  (Note: This is not the case with credit cards.  Keep reading to see more on credit cards.)  The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category.  The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment. 
 
For example:  The negative transaction of a mortgage payment would be categorized as Home: Mortgage & Rent, and the positive transaction would be categorized as Transfer: Mortgage Payment.  You can create custom subcategories for all of your loan payments if you wish.
 
A loan payment essentially is a transfer.  The money leaves your bank account, but you then own that much more of the asset associated with the debt, like a home or car.  Credit cards are different, because there is no asset associated with the debt.  A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget.  If you actively use your credit card, payments on that card should be categorized as Transfer: Credit Card Payment.  If you are paying off your credit card, and would like to track your progress in Spending and Budgets, see “How do I budget for paying off debt?”

How do I budget for paying off debt?
If you are working on paying off a credit card, congratulations!   We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff.   This will allow you to see in Spending and Budgets Views how much you have spent towards paying down that debt. 
 
It is recommended that you do not use your card for purchases while you are paying it off.  Not only will it be easier to stick to your goal if you just don’t use the card, but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card. 
 
If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance.
 
If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”

How do I account for interest paid on a loan?
Some institutions send a separate transaction for principle paid and interest paid on a loan, but some institutions only send a single transaction for the total amount paid.  If your institution sends a single transaction for principle + interest paid, you can split the transaction.
 
Click on the transaction to open the detail view, and click on [Split Transaction].  Use the Fees and Charges category to track your interest paid.  You can add a custom subcategory for all your loan payments if you wish.  You will need to obtain the amount spent on interest vs. principle from your financial institution. 
 
Note: The debt account balance will always be accurate, as the institution sends us the remaining balance regardless of the transaction is displayed.

How do I use the spending wheel?
The Spending View displays your spending across all categories for the time period selected.  Use the date range selector to specify what date range you would like to see. 
 
You can click on a category from the list, or in the wheel, to see your subcategory spending.  Then click the center of the wheel or from the list to see the specific transactions in the selected subcategory.
 
Note: Your transactions must be categorized for the Spending Wheel to show actual spending.  If your spending in a given category looks wrong, review your transactions for inaccuracies.

How do I create budgets?
Open the Budgets View, click on the [+ Add a budget] in the sub navigation bar, and select a category from the dropdown menu.

How do I use budgets?
The Budgets View can help you track and control your spending in select budget categories.  You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely.  Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.

I’m missing a category from my Spending or Budgets Views. I know I have transactions in this category, but it’s not appearing. How do I fix this?
Review your transactions to make sure they are categorized correctly.  A “missing category” is caused by a large income transaction that has been categorized inappropriately.

How do I set alerts?
Click on the gear icon in the navigation bar to open Settings, and then click on the Alerts tab.  Click the envelope icon next to each alert you want to receive.

How do I update my profile information?
Click on the gear icon in the navigation bar to open Settings, and then click on the Profile tab.

How do I change my password?
Click on the gear icon in the navigation bar to open Settings, and then click on the Mobile Devices tab.  Enter your old password, choose and confirm your new password, and click “Change Password” to save.

Is my financial data safe in MoneyHD?
Absolutely.  Industry leading encryption technology is used to protect your data.  MoneyHD places your privacy and security as its highest priority.  The MoneyHD applications are as secure as your regular home banking.

How do I get help?
Click on the “?” icon in the navigation bar to open the help options.  You can watch a tutorial on the widget you’re using, search our knowledge base for answers, or submit a support request. 
 
To get help from an iPhone or iPad, open Settings and tap on “Feedback”.

How do I email or print reports?
Email and print functionality is currently available exclusively on the iPad MoneyMobile app.

What browser is recommended to use MoneyHD?
Browser support will vary based on the browser version. More than 74% of all Internet users now use a modern browser like Google’s Chrome where less than 14% still use limited browsers like Internet Explorer 7 and 8 because of their inability to take advantage of the newest features. If your browser is incompatible, the software will alert you and ask you to upgrade.

Browser recommended to use MoneyHD

Safe Deposit Box Insurance

Where is Safe Deposit Box Insurance coverage currently available?
Coverage is currently available in all states except KY.

Why have I never heard of Safe Deposit Box Insurance coverage in the past?
Safe Deposit Box Insurance Coverage is a new, patented insurance product designed to provide safe deposit box holders the maximum amount of insurance protection for the lowest possible cost, while maintaining absolute confidentiality and privacy. It is affordable and convenient to purchase. While banks, credit unions, and private vault services strive to provide a safe and secure environment in which to store your valuable property, they simply cannot protect against all risks. Many banks and credit unions are making Safe Deposit Box Insurance Coverage available to their customers. These banks and credit unions recognize there is a gap in the insurance market that leaves their box renter's valuable property exposed to loss.

Do banks or credit unions or any goverment agency insure the contents of my Safe Deposit Box?
No they do not. Rather the risk of loss is on you. In your safe deposit box rental agreement, you will find this type of exclusionary language:

"The contents of your safe deposit box are not protected against loss under any insurance maintained by the bank. We recommend that you arrange to have the contents of your box insured."
Also, this is what the FDIC provides on its consumer website:
"No safe deposit box, or safe, is completely protected from theft, fire, flood or other loss or damage. Consider taking precautions... Remember that, by law, FDIC insurance covers only deposit accounts. Also, do not expect the bank to reimburse you for theft or damage to the contents of your safe deposit box. If you want protection for the valuables in your safe deposit box, talk to your insurance agent."

Until SDBIC, the limited coverage available in the market excluded many items, required disclosure of contents, and was costly to maintain.

Are the contents of my Safe Deposit Box covered by my homeowner’s policy?
Partially or not at all. There are significant limits on the amounts of coverage limits that are available for property typically stored in a safe deposit box (usually about $1,500), and numerous types of properties like gold, precious metals, cash and coins are not covered at all under a homeowner's policy. You are also not insured against floods or perhaps even hurricanes under your homeowner's policy. If you use a rider to insure your property, while you may be able to obtain higher limits, all of the other homeowner policy coverage limitations apply, and you must itemize the property being stored in the box and provide third party appraisals for coverage to be effective. The rate for the coverage together with the cost of the appraisal of stored items is almost always higher than the cost of purchasing Safe Deposit Box Insurance Coverage.

I thought the property in my Safe Deposit Box was safe and secure. Why do I need coverage?
Safe deposit boxes are the best storage option to protect your valuables. Unfortunately, they do not protect you against burglaries, robberies, flood, fire, hurricanes, or other man made or natural disasters. When these events occur, they damage or destroy the contents of safe deposit boxes more often than people realize. On average, there are approximately 5,000 bank robberies and burglaries annually. During the first three months of 2012, fires at four banks left the vault and boxes cooking in the smoldering rubble for days. In the fall of 2012 Superstorm Sandy flooded numerous banks and vaults across the northeast. Whether it is hurricanes along the cost, floods in the Midwest and southeast, tornados in the plains, mudslides in the west, or fires there are risks wherever you live. There has been an incredible rise in the price of gold, silver, platinum, and diamonds over the last decade. Jewelry which was worth a few thousand dollars five years ago is now worth well over ten thousand dollars. Why risk suffering a devastating loss of valuables without any insurance protection, when for only a few dollars a year, you can be fully protected and have peace of mind?

What property is covered by Safe Deposit Box insurance coverage?
Anything you can place in a safe deposit box that is legal for you to own or possess is covered. Whether it is gold, silver, other precious metals, diamonds, cash, currency, gold certificates, bank notes, coins, bonds, securities, jewelry, rare books, stamps, historical documents, lithographs, drawings, sports memorabilia, fine art, antiques, firearms, or any type of collectable; it is covered subject to the limits purchased.

What if I mainly keep important personal documents in my bank or credit union Safe Deposit Box?
Each policy provides $3,000 of coverage for your important papers such as: titles, wills, deeds, immigration papers, passports, discharge orders, or other important documents or personal mementos. This coverage provides discretionary funds to assist you in obtaining or finding replacements for these items.

Can I purchase coverage directly from SDBIC if my bank or credit union does not make it available?
Yes, you can purchase the coverage directly from SDBIC on the website at the Get Coverage Now page or by calling us at
224-227-6181. To complete the purchase; you need to know the name and location of your bank or credit union, the last two digits of your box number, your date of birth, and the amount of coverage you would like to purchase. The insurance will automatically renew each year, until you notify us that you are no longer renting your box.

Can I add or remove property from my Safe Deposit Box without notifying SDBIC?
Yes. One of the unique features of Safe Deposit Box Insurance Coverage is that the insurance covers all content present in the safe deposit box that is legal to own. So anything that is in the safe deposit box at the time of a loss (even if it was placed there during the term of the policy), is automatically covered up to the coverage limit you selected. Of course, if the total value of the box contents is higher than the coverage limit you selected; you should consider increasing the amount of coverage you are carrying on the safe deposit box. You can change the limits you are carrying by logging into your account and going to the Account Preferences screen, then select I would like to change “My Coverage Limits on the Current Box”, or by calling a customer service representative at 224-277-6181.

What information is required for me to obtain Safe Deposit Box insurance coverage?
You need to know the name and location of your bank or credit union where the safe deposit box is located and the last two digits of your box. You also need to provide your contact information including your date of birth. You do not need a list of the property, appraisals, or any other documentation relative to the contents in your safe deposit box. You simply select the coverage amount and pay the corresponding premium. You have protection and peace of mind.

How secure and private is the information I provide to SDBIC?
Very secure and completely private. SDBIC employs industry leading technology to protect your information. More importantly, we limit the amount of personal information we require to obtain coverage. The amount of insurance protection you select is not reported to any agency or entity other than to our A rated insurance company, which is underwriting the coverage limits. In the event of a loss, we do not report any loss payments to federal or state agencies.

How do I determine the amount of coverage to carry on my Safe Deposit Box?
You should estimate the value of the contents you intend to keep in the safe deposit box at any one time. Keep in mind that the rise in value of precious metals such as: gold, silver, and platinum, typically used in jewelry, and watches has increased dramatically over the last five years causing significant appreciation in the value of those items. If you believe precious metal prices will continue to rise, then you may want to increase your estimate of value. You would not be happy if there was a loss and you have underinsured the contents of your safe deposit box given how affordable coverage is under the pricing schedule. Remember, there is no deductible, so there is no out of pocket cost when a loss occurs.

If I have more than one Safe Deposit Box: Do I need to insure each Safe Deposit Box separately?
Yes, you need to obtain a policy for each box. If the total value of the property in your safe deposit box exceeds the available limit, you can split your property into two safe deposit boxes and insure each for the needed limit. For example, if you have $200,000 of property in one safe deposit box; you can split the property and insure each safe deposit box for the $100,000 limit.

How much does Safe Deposit Box insurance coverage cost?
The cost depends on the coverage limit you select. Just choose the amount of coverage limit and find the corresponding premium cost in the pricing schedule. It is relatively inexpensive, with insurance starting at $25 annually for $5,000 of coverage. There is no deductible so there is no out of pocket cost when a loss does occur.

What events does Safe Deposit Box insurance coverage insure against?
Burglary or robbery, fire, explosion, mudslide, flood, tsunami, tidal wave, terrorist attack or act of war, hurricane, tornado, landslide, water or sewerage from the plumbing or sprinkler system, and any many other man made or natural disasters

Does Safe Deposit Box insurance coverage insure against earthquakes?
Coverage is not provided for breakage or damage to property caused by earthquake tremors. Damage caused by other covered perils such as fire, gas and electrical explosions, robberies, or water damage incidental to the earthquake are covered.

What if I go to my Safe Deposit Box and some of my property is missing?
Immediately report the missing item to your bank or credit union. If there is evidence of a forcible robbery or burglary of the vault and your individual safe deposit box the loss will be covered (even if the robbery or burglary was assisted by a bank employee). If the property in the safe deposit box was removed by your bank or credit union, was legally seized by a government agency, or taken pursuant to a court order; coverage does not apply. If there is no evidence of forcible entry into your safe deposit box, and it appears there was some unauthorized access to the safe deposit box; coverage does not apply. If there is no explanation for the missing property; coverage does not apply.

Is property I remove from the Safe Deposit Box insured by Safe Deposit Box insurance coverage for any period of time?
No, the coverage limit only applies to the property that is physically in the safe deposit box and vault at the time a covered loss occurs. If the property has been removed from the safe deposit box or vault prior to the occurrence of a covered loss; there is no coverage for that item.

Do I need to own the property in the Safe Deposit Box to insure it with SDBIC?
Any property owned or lawfully in your control is covered subject to the coverage limit purchased; when it is in your safe deposit box.

Do I need to be the named renter or lease holder on the Safe Deposit Box to insure it with the SDBIC?
Yes. The insured named on the policy must be a named renter or lease holder on the bank documentation for the insurance coverage to be effective. Up to one additional contact can be provided at the time of purchasing coverage.

When does the Safe Deposit Box insurance coverage become effective for an online purchase?
Insurance coverage becomes effective once you have completed the online application and payment has been received. Once coverage is in effect, you cannot file a claim for a flood or hurricane related loss occurring during the first 14 days from date of coverage.

When does the Safe Deposit Box insurance coverage become effective for a purchase by Mail or Fax?
If you prefer to mail or fax a completed application form to SDBIC, processing time is generally 2 business days from the time your written application is received by our office for successful issuance of your insurance policy. Insurance coverage becomes effective once we have successfully processed your application and payment has been received. It is important to provide current contact information on applications submitted through regular mail or fax, in order for SDBIC to complete the process. Once coverage is in effect, you cannot file a claim for a flood or hurricane related loss occurring during the first 14 days from the effective date of coverage.

Do I need to reapply for Safe Deposit Box insurance coverage each year if I paid by Credit Card?
No, you will receive an email notice from SDBIC thirty days before your coverage expires; advising you that your safe deposit box coverage will automatically renew for another year. You will be alerted if there was a change to your annual premium. The premium cost will be placed on your credit card. Your insurance coverage will remain in place and continue to renew annually until you tell us to discontinue your coverage. You must notify SDBIC if your credit card information has changed to avoid having your coverage lapse.

Do I need to reapply for Safe Deposit Box insurance coverage each year if I paid by Check?
No, you will receive an email notice (if we have your email on file) or an invoice in the mail from SDBIC thirty days before your coverage expires. This notice will advise you that your safe deposit box insurance coverage will automatically expire; if payment is not received. If you prefer to pay by check, you will be required to subject a check, with a copy of the invoice to SDBIC prior to the policy expiration date, in order for insurance coverage to remain in place. For your convenience, we strongly encourage that you set up an online account with us. Then you have immediate access to your policy and easy payment options once you login to our site.

How does SDBIC determine the amount of my covered loss following an insured event?
In the event of a covered loss, you will be asked to submit a proof of loss statement setting forth the amount of the loss (Claim Form). You will be paid the lesser of the full coverage limit that was in place at the time of the covered loss, or the cost of repairing or replacing the damaged contents in the safe deposit box.

What should I do if a covered loss has occurred at my bank or credit union that involves my Safe Deposit Box?
Do not remove any property from the safe deposit box until directed by your financial institution or an authorized representative of SDBIC. Immediately notify SDBIC of your covered loss at 224-227-6181.

Are coverage limits above $50,000 available?
Yes, limits up to $1,000,000 are available. Please contact SDBIC if you desire limits above $50,000 at 224.227.6181 or email us at contactus@sdbic.com.

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