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About Online Banking
How do I use Online Banking?
After you enter your PIN (Personal Identification Number) on the first screen of Online Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in. Any additional pages will have drop down menus on them that lead you through your transaction.
How secure is Online Banking?
We use the latest encoding technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite something in code, which can be decoded later with the right "key". When you request information about your accounts, the request is sent encrypted to Huron Valley State Bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it. As always, if you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at info@hvsb.com.
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General Information
Whom can I pay through Online Bill Payment?
You can pay ANYONE in the United States from the next door neighbor, the utility company, the bank, and even a child in college across the country.
How late in the day can I enter, edit, or delete a payment?
Payments entered, recurring or one time, before 11:00 a.m. EST Monday-Friday will be processed the same day. Payments received after 11:00 a.m. EST on Monday-Thursday will be processed the next business day. Payments received after 11:00 a.m. EST on Friday will be processed the next business day.
What happens if I have a scheduled payment that falls over a weekend or holiday?
All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day. Please note, it generally takes 5 business days for the check to be mailed and processed by the payee. Please consider adjusting the payment date to account for this. The payment is deducted from your checking account when the check is presented for payment.
Are there any merchants that I cannot pay through the Online Bill Payment?
Yes. You cannot pay any government agency.
Can I use Online Bill Payment if I live outside the United States?
Yes, as long as you have a bank account in the United States.
Can I get a copy of a cancelled check?
You can request a copy through Customer Service. There may be a fee associated with this service.
How long is history retained in the VIEW PAYMENT HISTORY section?
Payment History records are kept for one year.
What happens if I lose or forget my ID or PIN?
If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget your PIN, you must follow the same procedure and a new PIN will be generated and mailed to you.
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Payee Information
Payee, a definition
A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage company, department stores, and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store, and your favorite charitable organization.
How many payees may I have set up?
You may have up to 99 payees that you can set up through the internet. If you need more than 99 payees, please contact Customer Service.
When will the money be taken out of my account?
For electronic payments the money will be withdrawn out of your account on the same business day that the payment is processed. For check payments the money will be withdrawn when the check is presented for payment.
What if I do not have enough money in my account?
Your bank will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.
Can I edit vendor addresses?
No. You will have to set up a new vendor with the correct address and delete the old one.
How do I know if a merchant is electronic or check?
Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.
Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies:
- One-time
- Weekly
- Bi-Weekly
- Monthly
- Semi-Monthly
- Quarterly
- Annual
- Semi-Annual
Will the memo field that I fill out when setting up a payment be passed on to the merchant?
No. The memo field is for your personal records, however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.
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Payment Information
Due Date
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee.
How far in advance should I set up a payment to ensure it is paid on time?
Check payments should be scheduled 10 business days in advance of payment due date. Electronic payments should be made 4 business days prior to the payment’s due date.
*NOTE - You may want to set up a payment to yourself so you can see how the system works.
Are there any minimum and maximum payment amounts?
Yes. The minimum amount you may make a payment for is $0.01 and the maximum amount can be up to $99,999.00.
Payment Date
The payment date is the day you would like Huron Valley State Bank Online Bill Payment to start the process of sending your money to the payee.
How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.
Can I have multiple payments to the same payee on the same day?
Yes. You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
Can I stop payment?
Yes. You will need to call Customer Service.
On the Payment History page, what does the "Status" field indicate?
Following is a table of the available status values and their associated definitions:
| Status Value | Definition | | PENDING | The payment has been processed, but not yet sent. |  | | PROCESSED | The payment has been processed and sent. | | | HOLD | The payment has a research request on it. This usually means the payment is incomplete, but can be processed when the issue is resolved. | | | STOPPED | The consumer has or the Bill Payment service has stopped the payment and the payment cannot be processed again. | |
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