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Online Banking

Online Banking FAQs


Personal Online Banking

Q. What is Personal Online Banking?
A. Personal Online Banking is a tool that allows you to use a PC, Laptop, Tablet or Smartphone with an Internet connection to conduct your banking online.

Q. What is required to use the Personal Online Banking service?
A. All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Internet Explorer, Chrome, Safari, or Firefox. You can use any computer that has Internet access. Please see our System Requirements links below if you experience issues with accessing Online Banking.
Q. What can I do with Personal Online Banking?
A. You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. 

Q. When can I use Personal Online Banking services?
A. With Online Banking, you can access your account information 24 hours a day, 7 days a week!

Q. What accounts will I be able to access through Personal Online Banking?
A. You can access your checking, savings, investment, and loan accounts from the Online Banking service. In addition, you can pull in account information from 18,000 institutions with Money Management, an exciting free feature of Online Banking that allows you to manage your finances in one easy-to-use dashboard.

Q. Is any of my personal information stored in the Online Banking product?
A. Online Banking stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored. However, your Social Security Number, Address, and Phone Number are not stored.

Q. How current is my banking information in Online Banking?
A. Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q. How do I access Online Banking?
A. In order to access BankSouth's Personal Online Banking system, you will need to first register. You can do this by selecting the "Sign Up" option located below the Personal Online Banking sign in area. Please be sure to include your BankSouth checking, savings or loan account numbers in your registration

Q. Can I create my own password that is easy for me to remember?
A. Yes, after you use your assigned password to log-in for the first time, you can go to "User Profile" and change your password.

Q. Can I change my user ID?
A. Yes. Once you login to Online Banking, click “User Profile” in the upper-right corner of the screen. Select the option to “Change User ID.”

Q. Can I change my e-mail?
A. Yes. Once you login to Online Banking, click “User Profile” in the upper-right corner of the screen. Select the option to change “e-mail Address.”

Q. How to reset my password? 
A. Reset your password by choosing the option below the Personal Online Banking login, RESET PASSWORD. You will be prompted to enter the answers to your security questions. If answered correctly you will be prompted to enter a new password.

Q. What if I want to change my password once I’ve logged in? 
A. Once you login to your Personal Online Banking account you will find in the upper-right corner of the Online Banking screen an option that says “User Profile”. Choose this link and select the option to “Change Password.”

Q. How can I find the answers to my security questions?
A. If you don’t remember the answers to your security questions, you will need to contact Customer Care at (706) 453-2265, during normal business hours. Click here for hours. The Support staff will be glad to assist you in resetting your security questions and answers.

Q. How to change the answers to my security questions?
A. Once you login to your Online Banking account you will find in the upper-right corner of the Online Banking screen an option that says “User Profile.” Choose this link and select the option to change “Login Security – Change Challenge Questions.”

Q. How much account information can I view at once?
A. The system will automatically show the current month's transactions and information. By selecting User Preferences, you can view the current month and the previous month. Or you can view your account from the current date to the same date of the previous month.

Q. Can I view my account details in more than one way? 
A. Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q. What formats can I download my transaction history in?
A. Online Banking supports downloads to Quicken™ (.qfx), Quickbooks (.qbo), or Excel (.csv).

Q. Can I schedule future transfers?
A. Yes, you can schedule open, future and recurring transfers.
 
Q. How long can I be inactive before being logged out of Personal Online Banking?
A. The inactivity time out default is set for 20 minutes. However, you can define the timeout period under "User Profile." Time choices are 5, 10, 20, 45 or 60 minutes.

Q. Why do I have a Personal Banking login when I have a business account?
A. Many business accounts do not require services associated with Business Online Banking, such as wire transfers, ACH origination or having additional users. If this is the case with your business, the Personal Online Banking platform should serve your needs. If you want to explore the options of Business Online Banking, please see our Business Online Banking Demo. Or you can inquire about other services by contacting your Personal Banker who can put you in touch with a Business Banking specialist for assistance.

Q. How many stocks can I track in my online portfolio?
A. Your online portfolio will track up to 20 stocks.

Q. I have several checking and savings accounts. Can I change the names so they make sense to me?
A. Yes. Once you login to Online Banking, click “User Profile” in the upper-right corner of the screen. Select the option to “Change Account Nicknames.”

Q. How do I print a copy of my check?
A. Click the check number then choose the print option located in the upper-right corner of the check.

Q. What is the difference between the account balance and the available balance? 
A. Your account balance consists of all transactions that have posted to your account. Available balance reflects funds in your account available for immediate use. Pending transactions which have not yet posted to your account may affect your available balance. If you have additional questions, you can call Customer Care at (706) 453-2265 or contact your Personal Banker.

Q. Why is there a $1 transaction on my account?
A. Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days.

Q. When I enter Online Banking, the secure lock indicator disappears or I receive an alert that the site is not secure. Am I in a secure session? 
A. Microsoft® Internet Explorer has identified this as an issue with certain browser versions. You are still in a secure session; to verify, right-click inside the page, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box.

Q. When I click the padlock icon to view the certificate when connected to a secure site, I receive an error message. Am I in a secure session? 
A. You may receive the following error message: "This Certificate Has Failed to Verify for All of Its Intended Purposes." This issue affects only the user interface; Internet Explorer still communicates by using the secure connection. Microsoft has identified this problem with certain browser versions; please visit the support website at Microsoft for resolution in Article ID: Q233479.

Q. How can I get help with using Personal Online Bill Payment?
A. To get help with using Online Bill Payment, there is an extensive Bill Pay Help Section when you login to Online Banking. Or you can contact our Customer Care Center for Online Bill Payment Assistance at (706) 453-2265.

Q. What happens if I forget or lose my password?
A. Just call us at (706) 453-2265 and we will take you through the steps needed to get back into the system right away!


Business Online Banking

Q. How do I register for Business Online Banking?
A. BankSouth’s Business Online Banking requirements differ from Personal Online Banking. You will need to contact our Business Development Manager or a Personal Banker for setup with Business Online Banking. 

Q. What is the difference between Personal Online Banking and Business Online Banking, how do I know which one I have? 
A. If you have one User ID and one Password, then you are in our Personal Online Banking product. If you have Company User ID and Password as well as an individual User ID and Password, then you are in the Business Online Banking product.

Q. Why do I have a Personal Banking login when I have a business account?  
A. Most Business customers don’t have a need for wire transfers, ACH origination or additional users. If this is the case with your business, we find that the Personal Internet Banking platform should serve your needs. If you find you are in need of these other services, please contact your Personal Banker at one of our convenient locations and they’ll be glad to assist you in making this transition. 

Q. How to reset my password?
A. If you are a user on Business Online Banking, the Business administrator will need to reset your password. If you are the Administrator for your Business Online Banking account, contact our Customer Care Center at 706-453-2265, during normal business hours.

Q. How to reset the company password?
A. If you are the Administrator for your Business Online Banking account, once you’ve logged into your Business Banking account, select Administration and located under Manage Profile, you will see the option “Change company password”. You will need to enter your current company password then enter your new company password. If you experience difficulties please contact our Customer Care Center at 706-453-2265, during normal business hours. **REMINDER** Remember to share the new company password with any additional company users.

Q. What are the password requirements for Business Banking?
A. The Business Online Banking Password requirements are a minimum of 6 and a maximum of 16 characters, 1 or more alphabetic character and one or more numeric characters.
Your password must not contain < or > characters. 

Q. What if I want to change my password once I’ve logged in? 
A. Once you’ve logged into your Business Banking account, select Administration and located under My profile, you will see the option “Change my password”. You will need to enter your current password then enter your new password. If you experience difficulties please contact our Customer Care Center at (706) 453-2265, during normal business hours.

Q. How to change my security code e-mail address delivery?  
A. Once you’ve logged into your Business Banking account, select Administration and located under Manage Profile, you will see the option “Manage security code delivery”. Select the “Email” link on the bottom right hand corner and enter your new e-mail address in the appropriate field, once complete, select the Submit button on the bottom left hand corner. If you experience difficulties please contact our Customer Care Center at (706) 453-2265, during normal business hours.

Q. I have several Business accounts, can I change the names so they make sense to me?
A. Once you’ve logged into your Business Banking account, select Administration and located under Manage Profile, you will see the option “Set Account Name”. Select the “Set Account Name”, choose the account to be changed from the dropdown beside account, enter the new account nickname in the box below and select the submit button. If you experience difficulties please contact our Customer Care Center at (706) 453-2265, during normal business hours.

Q. If I want to change my user ID?  
A.  If you are a user on Business Online Banking, the Business administrator will need to change your User-ID. If you are the Administrator for your Business Online Banking account, contact our Customer Care Center at 706-453-2265, during normal business hours.

Q. Can I have Bill Pay on a Business account?
A.  Yes, this requires an approval process that usually takes 24 to 48 hours. Please contact our Business Development Manager or your Personal Banker and let them know you are interested in Bill Pay for Small Business. If you have additional questions, please contact our Customer Care Center at (706) 453-2265, during normal business hours.

Q. How do I print a copy of my check?  
A. Simply click on the check number, then choose the print option located in the upper right hand corner of the check.

Q. What is the difference between the previous business day balance and the available balance? 
A. Your previous business day balance consists of all transactions that have posted to your account. Available balance reflects funds in your account available for immediate use. Pending transactions which have not yet posted to your account may affect your available balance. For more information, please contact our Customer Care Center at 706-453-2265, during normal business hours.

Q. Why is there a one dollar transaction on my account?
A.  Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days.

Q. When I enter Internet Banking, the secure lock indicator disappears or I receive an alert that the site is not secure. Am I in a secure session? 
A. Microsoft® Internet Explorer has identified this as an issue with certain browser versions. You are still in a secure session; to verify, right click inside the page, click Properties on the menu that appears, and then click Certificates. A web page that is on a secure server will display the security information for the specific site in the Certificate information box.

Q. When I click the padlock icon to view the certificate when connected to a secure site, I receive an error message. Am I in a secure session? 
A.  You may receive the following error message: "This Certificate Has Failed to Verify for All of Its Intended Purposes." This issue affects only the user interface; Internet Explorer still communicates by using the secure connection. Microsoft has identified this problem with certain browser versions; please visit the support website at Microsoft for resolution in Article ID: Q233479.