Comments on: Online Banking http://blog.rv.net/2008/04/online-banking/ RV Campground & Camping Information - RV, Motorhome, Camper, Travel Trailer & 5th Wheel Owners Fri, 10 Feb 2012 10:40:31 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: HSBCusa http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-79257 HSBCusa Thu, 28 May 2009 18:03:52 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-79257 Very good post. It's also a really good idea to use the FireFox web browser rather than Internet Explorer. It's free, fast, and much more secure. While using the internet on public networks you might want to use a VPN (virtual private network). You can get software for free on the internet to help you accomplish this added level of security. Very good post. It’s also a really good idea to use the FireFox web browser rather than Internet Explorer. It’s free, fast, and much more secure. While using the internet on public networks you might want to use a VPN (virtual private network). You can get software for free on the internet to help you accomplish this added level of security.

]]> By: Gail Hunter http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-24372 Gail Hunter Sun, 29 Jun 2008 15:16:20 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-24372 You're right about checking online often. I picked up an unidentifiable check in my online statement the day it appeared. On checking with the bank, I discovered someone had gotten 500 checks from one of the Shredder companies the bank used. I had returned them because they had the wrong address printed on them. Upshot: the police on the other Florida coast caught three people passing them. Talk about stupid crook! She was tripped up when she paid her FPLight bill with one...account number, name and address et al! Tell us more about that "Home Deposit." My biggest problem is depositing checks when there is no bank in the area. (I use Fidelity's MySmartCash - great for everythng except deposits.) Any ideas are welcome! And for all-around connectivity, I use Verizon Air Card...hasn't failed me yet...anywhere. It may be slow in areas with low access, but I've always made it online. (and I don't own stock in the company) Gail Hunter http://www.gypsyfeet.net You’re right about checking online often. I picked up an unidentifiable check in my online statement the day it appeared. On checking with the bank, I discovered someone had gotten 500 checks from one of the Shredder companies the bank used. I had returned them because they had the wrong address printed on them. Upshot: the police on the other Florida coast caught three people passing them. Talk about stupid crook! She was tripped up when she paid her FPLight bill with one…account number, name and address et al!

Tell us more about that “Home Deposit.” My biggest problem is depositing checks when there is no bank in the area. (I use Fidelity’s MySmartCash – great for everythng except deposits.) Any ideas are welcome!

And for all-around connectivity, I use Verizon Air Card…hasn’t failed me yet…anywhere. It may be slow in areas with low access, but I’ve always made it online. (and I don’t own stock in the company)

Gail Hunter
http://www.gypsyfeet.net

]]> By: John M Kavanagh http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-24026 John M Kavanagh Fri, 27 Jun 2008 21:36:44 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-24026 I also have been doing on-line banking for years through my credit union, but found something even better. When we decided to hit the road for six months I determined that I needed a second credit card and bank in case of any problems with my primary. I applied through USAA Bank and found that they have a program called "Home Deposit" where I just have to scan my checks via my laptop directly to my account. where they are instantly credited. I don't know of any other bank doing this, but it sure is a time-saver. I also have been doing on-line banking for years through my credit union, but found something even better. When we decided to hit the road for six months I determined that I needed a second credit card and bank in case of any problems with my primary. I applied through USAA Bank and found that they have a program called “Home Deposit” where I just have to scan my checks via my laptop directly to my account. where they are instantly credited. I don’t know of any other bank doing this, but it sure is a time-saver.

]]> By: Laura Wolf http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-23255 Laura Wolf Wed, 25 Jun 2008 12:44:44 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-23255 Hi, Everyone, I agree with the convenience and security of using online banking and bill pay. I work for a bank and am the online banking specialist. I found this great thread by searching for "online banking" and wanted to put in my 2 cents. The security of online banking and bill pay is VERY good and, as someone noted earlier, safer than sending a check (containing ALL the necessary account information) through the mail to be handled by dozens of people and then left to sit in an unattended mailbox somewhere. Now that's a theft waiting to happen! One point I'd like to make regarding paying your bills online: when faced with the choice of whether to go to your biller's website to pay or go to your bank's website to pay, chose your bank. If you go to your biller's website and authorize them to "pull" the money from your account, regardless of timing preferences they offer you, you really have no control over when they pull, how often they pull and how much they pull. Instead, use your bank's online banking where you have control and are able to "push" the funds out to your billers. You will be able to set your payments and cancel your payment yourself. Believe me, having to place stop payments on erroneous ACHs coming in from your biller is just as expensive as stopping payment on a check and even more so, as you will have to place that stop payment EVERY MONTH if your biller does not correct the problem promptly. I love online banking and bill pay not just because I work with it, but because it makes my personal life MUCH easier. I can check my balances and discover errors any time of day or night. I pay bills without having to look for an envelope, pay for expensive stamps or write or reorder checks. And in most cases, it gets there faster than a check through the mail. What's not to love?!?! Laura Wolf lwolf@mainlinebank.net Hi, Everyone,
I agree with the convenience and security of using online banking and bill pay. I work for a bank and am the online banking specialist. I found this great thread by searching for “online banking” and wanted to put in my 2 cents. The security of online banking and bill pay is VERY good and, as someone noted earlier, safer than sending a check (containing ALL the necessary account information) through the mail to be handled by dozens of people and then left to sit in an unattended mailbox somewhere. Now that’s a theft waiting to happen! One point I’d like to make regarding paying your bills online: when faced with the choice of whether to go to your biller’s website to pay or go to your bank’s website to pay, chose your bank. If you go to your biller’s website and authorize them to “pull” the money from your account, regardless of timing preferences they offer you, you really have no control over when they pull, how often they pull and how much they pull. Instead, use your bank’s online banking where you have control and are able to “push” the funds out to your billers. You will be able to set your payments and cancel your payment yourself. Believe me, having to place stop payments on erroneous ACHs coming in from your biller is just as expensive as stopping payment on a check and even more so, as you will have to place that stop payment EVERY MONTH if your biller does not correct the problem promptly.

I love online banking and bill pay not just because I work with it, but because it makes my personal life MUCH easier. I can check my balances and discover errors any time of day or night. I pay bills without having to look for an envelope, pay for expensive stamps or write or reorder checks. And in most cases, it gets there faster than a check through the mail. What’s not to love?!?!

Laura Wolf
lwolf@mainlinebank.net

]]> By: Joe (Pepe) Moore http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-23137 Joe (Pepe) Moore Tue, 24 Jun 2008 18:27:46 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-23137 Some can already, and most soon, will be able to scan checks you receive on your pirnter/scanner and deposit them online, without the need for snail mail or a trip to an atm. Some banks/credit unions will instantly credit your account, and you never send in the original paper check! See if you can gain control of the information that the bill payer program sends out to the payee. Many simply send your banking information, including address and phone, without advising you or giving you any control over this information. I, for one, only include information that is really necessary, like account number, and never include a phone number, which can lead to telemarketing. Some can already, and most soon, will be able to scan checks you receive on your pirnter/scanner and deposit them online, without the need for snail mail or a trip to an atm. Some banks/credit unions will instantly credit your account, and you never send in the original paper check!

See if you can gain control of the information that the bill payer program sends out to the payee. Many simply send your banking information, including address and phone, without advising you or giving you any control over this information. I, for one, only include information that is really necessary, like account number, and never include a phone number, which can lead to telemarketing.

]]> By: Dan Calvert http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-23134 Dan Calvert Tue, 24 Jun 2008 17:39:16 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-23134 For those of you that are active duty or retired military, USAA Federal Savings Bank in San Antonio has several programs that are full-timer friendly. For example, pay bills, pay your insurance bills, monitor & pay credit cards, loans and if you have a scanner in your rig, you can deposit your checks over the net, all at no charge. I have been with USAA since 1962 and have never been into their bank. They also provide credit report monitoring for a nominal fee and all of your accounts are safe, insured and virtually hack-proof, requiring login ID, password and pin. For further information on eligibility, visit https://www.usaa.com/ or search USAA. For those of you that are active duty or retired military, USAA Federal Savings Bank in San Antonio has several programs that are full-timer friendly. For example, pay bills, pay your insurance bills, monitor & pay credit cards, loans and if you have a scanner in your rig, you can deposit your checks over the net, all at no charge. I have been with USAA since 1962 and have never been into their bank. They also provide credit report monitoring for a nominal fee and all of your accounts are safe, insured and virtually hack-proof, requiring login ID, password and pin.

For further information on eligibility, visit https://www.usaa.com/ or search USAA.

]]> By: Barb Kruger http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-23124 Barb Kruger Tue, 24 Jun 2008 16:53:10 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-23124 Just wanted to warn. Do not pay for bill pay from any bank. I am a full timer and have my money split in different banks and none charge for bill pay. Suntrust, Nat City, Us bank, Cap one, and my credit union. So go to a free safe on line bank. Its marvelous. Just wanted to warn. Do not pay for bill pay from any bank. I am a full timer and have my money split in different banks and none charge for bill pay. Suntrust, Nat City, Us bank, Cap one, and my credit union. So go to a free safe on line bank. Its marvelous.

]]> By: Houston http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-17838 Houston Wed, 21 May 2008 01:17:25 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-17838 Listen. Do not have an opinion while you listen because frankly, your opinion doesn?t hold much water outside of Your Universe. Just listen. Listen until their brain has been twisted like a dripping towel and what they have to say is all over the floor. Listen. Do not have an opinion while you listen because frankly, your opinion doesn?t hold much water outside of Your Universe. Just listen. Listen until their brain has been twisted like a dripping towel and what they have to say is all over the floor.

]]> By: LosAngeles http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-17736 LosAngeles Tue, 20 May 2008 05:28:58 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-17736 Assuming either the Left Wing or the Right Wing gained control of the country, it would probably fly around in circles. Assuming either the Left Wing or the Right Wing gained control of the country, it would probably fly around in circles.

]]> By: Chris Guld http://blog.rv.net/2008/04/online-banking/comment-page-1/#comment-7246 Chris Guld Sun, 13 Apr 2008 20:20:09 +0000 http://blog.rv.net/2008/04/10/online-banking/#comment-7246 Richard, Sorry for my delay in answering, and thanks Jim (my husband) for answering for me! I was at a hotel with $15/day Wi-Fi!! Thus, I was 'unplugged' for a few days. Yes! I *am* saying that it is safe to use online banking on any kind of connection - even Wi-Fi - because the security is handled by the website itself. See your bank's website for more details. Regardless of how you are connected, when you click on 'Login' (or whatever the button is called on your bank's website) the website takes over and encrypts whatever you type. It keeps it encrypted from your computer, thru the local (wireless) network, across the wide area Internet, into the bank's computer ... AND back. Encryption means turning your typing into a code ... 'scrambling' it, if you will. How do you know you're on a secure website? By the HTTPS in the address. An unsecure site won't have the S. You should also see a symbol of a padlock that is closed. There is no such thing as being 100% safe except by unplugging your computer! But, I believe that online transactions (on secure websites) are safer than face to face or mail. Maybe this will be my topic next week? Richard,

Sorry for my delay in answering, and thanks Jim (my husband) for answering for me! I was at a hotel with $15/day Wi-Fi!! Thus, I was ‘unplugged’ for a few days.

Yes! I *am* saying that it is safe to use online banking on any kind of connection – even Wi-Fi – because the security is handled by the website itself. See your bank’s website for more details.

Regardless of how you are connected, when you click on ‘Login’ (or whatever the button is called on your bank’s website) the website takes over and encrypts whatever you type. It keeps it encrypted from your computer, thru the local (wireless) network, across the wide area Internet, into the bank’s computer … AND back. Encryption means turning your typing into a code … ’scrambling’ it, if you will.

How do you know you’re on a secure website? By the HTTPS in the address. An unsecure site won’t have the S. You should also see a symbol of a padlock that is closed.

There is no such thing as being 100% safe except by unplugging your computer! But, I believe that online transactions (on secure websites) are safer than face to face or mail. Maybe this will be my topic next week?

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