Internet Banking - Frequently Asked Questions (FAQs)

Internet Banking
What are the benefits of Internet Banking?
What types of accounts are included in Internet Banking?
Can I pay bills with Internet Banking?
What is the difference between Internet Banking and PC Banking?
Internet Banking - Between which accounts can I transfer funds?
When do transfers made on the Internet post to my account?
How do I enroll a business account on the Internet?
Do I need to complete a Business Internet enrollment form for a sole proprietorship?
If I have both personal and business accounts, can I view them together?
Does my business have to have an ATM card to enroll for Internet Banking?
Can I give my employees limited access to my business accounts on the Internet?
What do I need to get started?
How long does it take to get started?
What are the Terms and Conditions?
How current is my account information?
How far back do the transactions go?
What if I forget my password?
Why do I need to verify my computer's date, time, and time zone settings?
How do I verify that my computer's date, time and time zone settings are correct in Windows 95 or Windows 98?

Internet Banking with Bill Payment
What are the benefits of Internet Bill Payment?
What types of accounts are available with Internet Bill Payment?
How do I get started with Internet Bill Payment?
How long does it take to get started?
How much does Internet Bill Payment cost?
What are the Terms and Conditions?
How current is my account information?
How far back do the transactions go?
What if I forget my password?

PC Banking
What are the benefits of PC Banking?
What types of accounts are available with PC Banking?
PC Banking - Between which accounts can I transfer funds?
When do transfers made through PC Banking post to my account?
What do I need to get started?
How long does it take to get started?
How much does PC Banking cost?
What are the Terms and Conditions?
How current is my account information?
How far back do the transactions go?
What if I forget my PIN?

Technical Questions
Whom can I call if I have trouble connecting to www.vectrabank.com or accessing an account?
What kind of browser do I need for Internet Banking and Internet Bill Payment?
What should I do if I have problems with my browser?

Security Questions
What security measures does Vectra Bank Colorado use for Internet Banking products?
Will an unauthorized person be able to access my accounts?

Internet Banking

What are the benefits of Internet Banking?

• Access current account information immediately
• Transfer money conveniently to and from accounts
• Balance your finances anytime during the month, instead of waiting for your monthly statement
• It's a free service

What types of accounts are included in Internet Banking?
You can view the following accounts with Vectra Bank Colorado's Internet Banking:

• Checking
• Overdraft Protection
• Savings
• Money Market - remember some money market accounts have transaction limitations. Check your Personal Account Terms brochure to learn specifically about your account.
• Credit Card

Can I pay bills with Internet Banking?
Yes, when you sign up for Vectra Bank Colorado's Internet Bill Payment.

What is the difference between Internet Banking and PC Banking?
Internet Banking allows you to access your account information from anywhere as long as you have an Internet Connection - work, airports, hotels, etc. PC Banking utilizes software on your PC such as Money, Quickbooks or Quicken to manage your bank accounts.

Both services allow you to make transfers between your accounts and pay bills electronically without having to use stamps. With the PC Banking software you can use the built-in check register, graphs, reports and budget planner, allowing easy management of your accounts.

Internet Banking - Between which accounts can I transfer funds?
As long as the accounts have the same Social Security or Tax ID number, you can transfer funds from any of your Vectra Bank Colorado checking, savings and money market accounts to your checking, savings, money market and credit card accounts. You may not transfer money between your personal and business accounts using Internet Banking.

When do transfers made on the Internet post to my account?
A transfer initiated through Vectra Bank Colorado's Internet Banking before 3 p.m. (Mountain Time) on a business day will be posted to your account the same day and be available the next business day. Anything initiated after 3 p.m. will be available in 2 business days.

How do I enroll a business account on the Internet?
You will need to obtain a Business Internet Account Access Agreement from your local branch or by calling Online Banking Customer Support. Complete the form and have your signature witnessed by one of the branch officers. We will send the completed form to our Online Banking Customer Support Department. When your account has been set up you will receive your user name and password via USPS, which you can use to begin Internet Banking.

Do I need to complete a Business Internet enrollment form for a sole proprietorship?
No, since an individual owns the business, there is no need to take extra steps to ensure that Internet Banking access is limited to that individual.

If I have both personal and business accounts, can I view them together?
Because business accounts have an Employer Identification Number, they cannot be viewed in the same session as personal accounts.

Does my business need to have an ATM card to enroll for Internet Banking?
No, by calling Online Banking Customer Support, an access number can be created that enables the accounts for use with Internet Banking.

Can I give my employees limited access to my business accounts on the Internet?
No, the only access available is your given user name and password. It should be safe-guarded against misuse by others.

What do I need to get started?
It's easy. Now, you can call Online Banking Customer Support at 1-800-884-6725 between 8am - 8pm to receive a User Name and password.

How long does it take to get started?
After you have called Online Banking Customer Support at 1-800-884-6725 and received a User Name and password, you can begin using Internet Banking immediately.

What are the Terms and Conditions?
Please see our Online Banking Terms and Conditions for information about Vectra Bank Colorado's Online Banking products.

How current is my account information?
Your account information is updated each morning, Tuesday through Saturday.

How far back do the transactions go?
You can view transactions that have cleared your account through your previous and current statement cycles.

What if I forget my password?
If you are an Internet Banking customer, contact Online Banking Customer Support at 1-800-884-6725 to obtain a one-time password, which will get you back into your Internet Banking account. From there, you'll be prompted to select a new password.

Why do I need to verify my computer's date, time, and time zone settings?
To assist us in maintaining a high level of security, it is necessary for your computer's date, time and time zone settings to be correct.

How do I verify that my computer's date, time and time zone settings are correct in Windows 95 or Windows 98?
If you are using Windows 95 or Windows 98, you can verify that your date, time, and time zone settings are correct by double-clicking on the clock in the lower right corner of your screen. Verify and update the date and time as needed. Verify the time zone setting by clicking on the "Time Zone" tab. Click "OK" when you are finished.

Internet Banking with Bill Payment

What are the benefits of Internet Bill Payment?

• You can pay your bills without having to update a checkbook, match payment coupons with the check and pay for stamps!
• Pay anyone in the U.S. (tax and court ordered payments excluded).
• Vectra Bank Colorado or its service provider, will debit your account and send the payment to your payee. The payment will be sent electronically or by check if the payee does not accept electronic payments.
• Scheduling payments just five business days in advance will ensure all arrive by the due date.
• The cut-off time for payments is 6:00 p.m. (Mountain Time).

What types of accounts are available with Internet Bill Payment?

• Checking
• Money Market -remember some money market accounts have transaction limitations. Check your Personal Account Terms brochure to learn specifically about your account.

How do I get started with Internet Bill Payment?
It's easy. Now, you can call Online Banking Customer Support at 1-800-884-6725 to receive a User Name and password. Then:

1. Logon to www.vectrabank.com
2. Access the "Sign On" page by clicking on the "Sign On" button
3. Enter your User Name and password and click "Sign On"
4. To enroll for Internet Bill Payment, click on the "Internet Bill Payment" button found on the "Choose Account" screen.
5. After you enroll, you'll get an email from us within 48 hours confirming that you can now pay your bills online.

How long does it take to get started?
Once you've finished all the steps on how to get started, you will receive an email confirmation within 48 hours from us. You can then start paying bills immediately. If you do not get a confirmation, please call Online Banking Customer Support at 1-800-884-6725.

How much does Internet Bill Payment cost?
Internet Bill Payment service for consumers is $4.95 per month for 20 bills. Additional bills are $.50 per bill. Business accounts pay $9.95 per month for 20 bills. Additional bills are also $.50 per bill.

What are the Terms and Conditions?
Please see our Online Banking Terms and Conditions for information about Vectra Bank Colorado's Online Banking products.

How current is my account information?
Your account information is updated each morning, Tuesday through Saturday.

How far back do the transactions go?
You can view transactions that have cleared your account through your previous and current statement cycles.

What if I forget my password?
If you are an Internet Banking customer, contact Online Banking Customer Support at 1-800-884-6725 to obtain a one-time password, which will get you back into your Internet Banking account. You'll be prompted to select a new password.

PC Banking

What are the benefits of PC Banking?

• Reports, graphs, and budgeting capabilities
• Access account information
• Transfer funds
• Pay bills
• Statement information automatically added to your software's check register
• Choice of software products: Money, Quickbooks and Quicken

What types of accounts are available with PC Banking?

• Checking
• Savings
• Money Market -remember some money market accounts have transaction limitations. Check your Personal Account Terms brochure to learn specifically about your account.
• Credit Card balances

PC Banking - Between which accounts can I transfer funds?
As long as the accounts have the same Social Security or Tax ID number, you can transfer funds from any of your Vectra Bank Colorado checking, savings and money market accounts to your checking, savings, or money market accounts. You may not transfer money between your personal and business accounts using PC Banking.

When do transfers initiated through PC Banking post to my account?
A transfer initiated through Vectra Bank Colorado's PC Banking Service, before 6 p.m., (Mountain Time) on a business day, will be posted to your account the same day and be available the next business day. Anything initiated after 6 p.m. will be available in 2 business days.

What do I need to get started?
You can enroll online. Just click here to fill out an application.

How long does it take to get started?
For security reasons your PIN number will be mailed to you after you've completed the application. Once you receive the information you can start banking immediately.

How much does PC Banking cost?
PC Banking is free and consumers pay $4.95 a month for 20 bill payments. Additional bills are $.50 per bill. Business accounts pay $9.95 per month for 20 bills. Additional bills are also $.50 per bill.

What are the Terms and Conditions?
Please see our PC Banking Terms and Conditions for information about Vectra Bank Colorado's Online Banking products.

How current is my account information?
Your account information is updated each morning, Tuesday through Saturday.

How far back do the transactions go?
You maintain your history on your own computer, continually downloading your transactions into your electronic software check register.

What if I forget my PIN?
If you are a PC Banking customer, contact Online Banking Customer Support at 1-800-884-6725. If you still have your most recent PIN issue, Online Banking Customer Support will reset your PIN to the number on that letter. If you do not have the last PIN issue, they will issue you a temporary PIN, by mail, that will allow you to access the PC Banking system. Your software will ask you to change your PIN on your next connection.

Technical Support

Whom can I call if I have trouble connecting to www.vectrabank.com or accessing an account?
For all our Online Banking products, please call Online Banking Customer Support at 1-800-884-6725. Hours are 8 a.m. to 8 p.m. (Mountain Time), Monday through Saturday. Or, you can email us at support@vectrabankcolorado.com anytime day or night and we will get back to you within two business days.

What kind of browser do I need for Internet Banking and Internet Bill Payment?
We require that you use a browser that supports a 128-bit encryption, and suggest either the latest version of Netscape Navigator or Microsoft Internet Explorer. We recommend that at a minimum you use Netscape Navigator version 4.04 or Microsoft Internet Explorer version 4.01. Click for a free download of the most current Netscape or Microsoft browser on your computer. Remember to download the 128-bit strong encryption.

What should I do if I have problems with my browser?
Your browser may not be compatible with Vectra Bank Colorado's Internet Banking products. We suggest the latest version of Netscape Navigator or Microsoft Internet Explorer. Click for a free download of the most current Netscape or Microsoft browser on your computer. Remember to download the 128-bit strong encryption.

Security Questions

What security measures does Vectra Bank Colorado use for Internet Banking products?
Vectra Bank Colorado provides the latest encryption technology to protect our customers. Encryption technology codes the information sent between you and Vectra Bank Colorado, so that the "key" to unlock the information, is safe from outsider access. Please see our Online Banking Terms and Conditions for more details.

Will an unauthorized person be able to access my accounts?
No. Only the signers on the accounts will have access to your accounts, using their individual User Name and password. The password is the most important means of protection for you when accessing Vectra Bank Colorado's Online Banking products. Never share your password with someone else.

Vectra's Internet Banking Demonstrations:

Personal Internet Banking

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