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Frequently Asked Questions | Business Online Banking FAQs

What is FirstLink Online Business Banking? [back to the top]
FirstLink Online Business Banking is our Internet Banking Product, which allows you to perform various transactions on your personal computer (PC) from any location, as long as you have access to the Internet and a secure browser. You may check account balances, receive information about transactions within your accounts, make transfers between your accounts, and stop payment on a check.

What is FirstLine Telephone Banking? [back to the top]
This is our automated telephone banking system that allows you to access your account information from any touch-tone telephone.

How much does FirstLink Online Business Banking cost? [back to the top]
The fee to access your business deposit account information, review history, check loan and deposit balances or transfer funds on FirstLink Online Business Banking is just $5.95 per month.

How much does FirstLine Telephone Banking cost? [back to the top]
ITS FREE !!! Thats right FirstLine Telephone Banking is FREE. There is no service charge for access to your business account information, review history, check balances or transfer funds, within your designated User Identification Number (Tax I.D. Number).

How do I enroll in FirstLine Telephone Banking and/or FirstLink Online Business Banking? [back to the top]
Click here to obtain an online application.

Will I have access to all of my accounts? [back to the top]
Currently you can access your deposit accounts, commercial loan accounts, commercial mortgage loans and lines of credit through FirstLink Online Business Banking. Access to The First National Bank of Long Island VISA accounts are not available at this time.

What are the Terms and Conditions for FirstLink Online Business Banking? [back to the top]
Click here to view the Terms and Conditions.

What software and equipment do I need to access FirstLink Online Business Banking? [back to the top]

You will need an Internet Service Provider, a modem (14.4 baud or higher is recommended), and in order to protect your information, you must use a browser that supports 128-bit encryption, such as Netscape Navigator 6.2 or higher, Microsoft Internet Explorer, version 5.0. If you are not using a recent version of Navigator or Explorer you may wish to obtain a free download of either one now. Click the browser below that you want to download and follow the instructions. 

    


Will I be able to access FirstLink Online Business Banking if I am a Mac User? [back to the top]
Yes! To access FirstLink Online Business Banking you can be a Mac user. You simply need your computer, modem, Internet Service Provider access and a secure browser such as Netscape  Navigator 6.2 or greater or Microsoft Internet Explorer 5.0 or greater.

How secure is FirstLink Online Business Banking? [back to the top]
We are as interested in security as you are! When you log on to FirstLink Online Business Banking you enter a "secure server" environment. You will know you are in a secure area when the solid key appears in the lower left corner of your Netscape  screen, or when the closed lock appears in Microsoft Internet Explorer. When you are not in a secure session, Netscapes key appears broken and Microsofts lock is not shown.

We use the latest Secure Sockets Layer (SSL) cryptography. This means that each and every time your account information is transmitted between our computers and yours, it is automatically encrypted (scrambled) to keep the transmission private and confidential. Interception of data is prevented by user authentication and eavesdropping is prevented by data encryption. Once inside the secure server, a second proprietary system is used for password protection to prevent unauthorized access.

FirstLink Online Business Banking will require you to enter a User ID as well as a Password. You should never distribute either of these codes unless you want someone else to have access to your account. Treat this User ID and Password as you would your PIN for ATM access. We strongly urge you to never write it down; memorize it! In addition, your Internet service provider must support Secured Sockets Layers (SSL) technology and you must use a secure Web browser. You should take appropriate precautions to keep your computer clean and free from viruses that could be used to capture Password keystrokes.


What is your security policy?[back to the top]
Security Policy

We have taken significant measures to help ensure that your personal information remains confidential and secure within our Bank. We use state-of-the-art network, data, and physical security practices to protect your data to the best of our ability.

Security Overview

We make every effort to ensure that your information is protected. We use current industry standard encryption and employ SSL encryption to insure that information passed between our site and your browser is secure.

Physical Security

All servers involved in gathering, storing, and providing the data to you are operated in a secure data center that has restricted access to authorized personnel only. Our data center is monitored 24 hours per day and only certified employees are permitted on premises through the use of a picture ID and electronic access. A record is kept of all personnel who have entered the secure data center.

Access to servers requires multiple levels of authentication and sensitive data including your access credentials and account numbers are always stored in encrypted format at all times.

Our employees are made aware of our security policy's procedures and practices through their acceptance on a yearly basis that they have carefully reviewed and abide by it.

Firewalls

All external access to our internal network must go through firewalls. Additional firewalls are used to secure access to the application and database from internal sites within our institution. Our firewalls are regularly tested to insure that they are able to protect your personal information from unauthorized external and internal access.

Intrusion Detection

We use an Intrusion detection system to continuously monitor unauthorized attempts to access our site.

Secure communications between systems

We use SSL to securely encrypt and protect all communications between your browser and our web servers.

Internal Business Practices

We store all access credentials in an encrypted format on a secure data warehouse. Only a few authorized individuals have access to the data warehouse and no one except you can ever see the access credentials that you have provided.

We require all users to provide ID's and passwords using both alpha and numeric characters to prevent easy guessing of passwords by unauthorized individuals. If you ever lose or forget your password, we allow you to reset it by first accessing a token sent only to your email address on record and then providing the answer to your secret question or by calling your branch and having them reset your password.

Questions

If you have any questions about our security procedures you can contact us via email at customerservice@fnbli.com or by phone at 516-671-4900 or 212-566-1500. Be sure to provide your name, contact information, and clearly state the question. We will make every effort to answer your questions.


How can I make FirstLink Online Banking more secure?[back to the top]
For added security, we recommend that you exit your browser completely when you are finished using FirstLink Online Banking.  You may also want to consider clearing your browser's cache and deleting any temporary files.

Your browser's cache stores the contents of all the Web pages that you have visited during a session.  To safeguard your information and prevent another user from viewing what you have entered, you should clear the cache memory after you have completed your electronic banking session.  To clear your browser's cache, follow the instructions below:

Netscape 6.x and 7.x users:

     1. Select Edit, then Preferences.
     2. Select Advanced from the category listing.
     3. Select Cache.
     4. Select the Clear Disk Cache button, then the Clear Memory Cache buttons.
     5. Select Ok.

Internet Explorer 5.x and 6.x users:

     1. Select Tools, then Internet Options.
     2. Select Clear History
     3. Select Yes to Delete Files.
     4. Select Ok to close the Internet Options Screen.

If I have FirstLink Online Business Banking, do I automatically have access to FirstLine (Telephone Banking), or vice versa? [back to the top]
Heres how it works! If you have FirstLine (Telephone Banking), you DO NOT have access to FirstLink Online Business Banking over the Internet until you submit an application. However, if you currently have FirstLink Online Business Banking or when you sign up for FirstLink Online Business Banking, then FirstLine (Telephone Banking) will automatically become available to you without the need to submit an additional application.

Do I need two Personal ID Numbers (PINs)? [back to the top]

For your initial signon, you will use your FirstLine Telephone Banking User ID and PIN.  After a successful signon, you will be prompted to change both your User ID and PIN.  Your new User ID must be 6-20 characters.  You will now use a Password instead of a PIN, which must be 6-12 characters, use at least one alpha character and one numeric character.  Both your new User ID and Password may not contain spaces or special characters.


What do I do if I get an error message saying that my account is invalid at the logon screen? [back to the top]
The account number for FirstLink Online Business Banking is initially the same as your FirstLine (Telephone Banking) account number. After the first signon, you will be prompted to change your User ID and Password.  Double check that you are using the correct User ID and Password.   If the error message reappears, call your branch or contact us for assistance.

If I forget my Password or have been locked out of FirstLink Online Business Banking, how do I change it? [back to the top]
If you forget your password you can click on reset password or unlock your account button and follow the instructions or you can simply call your local branch and a representative will arrange to have your Password reset.

Can I access FirstLink Online Business Banking via MSN TV? [back to the top]

We are sorry that you will be unable to access FirstLink Online Business Banking via MSN TV due to Web TVs security encryption limitations.


What can I use FirstLink Online Business Banking for? [back to the top]

FirstLink Online Business Banking provides you with Internet access to your accounts and the means to perform a variety of functions in a secure, convenient way: monitor account balances, review transaction history, monitor interest earned and paid, transfer funds and place stop payments. Access your checking accounts, savings accounts, CDs, commercial installment loans, commercial mortgage loans and line of credit accounts. If approved you can have the capability to create ACH transactions and wire funds.


Deposit Account Definitions[back to the top]
  • Balance Last Statement: Displays the ending balance in your account on your last statement date.
  • Last Statement Date: Date of last activity statement rendered on your account. This is the date that activity ended on your last statement in this account.
  • Available Balance: This balance is calculated using the ledger balance less any POS purchase, ATM withdrawal, or holds placed on the account after the 2:00 p.m. processing time, plus any electronic deposits or transfers from another account that have not yet posted.
  • Next Statement Date: The date on which your next statement will be rendered to you.
  • Ledger Balance: The balance in your account after that day's posting of transactions from the 2:00 p.m. cutoff. When looking at the ledger balance, you must take into consideration any checks, drafts, ATM withdrawals, POS purchases, electronic deposits, or transfers made, that have not yet cleared your account.
  • Ledger Balance as of: This date reflects the last bank posting date that ends at 2:00 p.m. each day.
  • Last Deposit: The amount of the last deposit to your account.
  • Last Deposit on: The date the last deposit was made.
  • Interest Accrued This Statement: Reflects the amount of interest that has accrued on this account since your last statement date.
  • Todays Credits: Reflects any electronic deposits (such as a direct deposit) or transfers not posted to the account.
  • Interest Accrued YTD: Reflects the total amount of interest accrued on this account for the current year.
  • Todays Debits: Reflects any ATM withdrawals, Point-Of-Sale purchases, holds, or transfers made from this account, not posted.

What is the difference between my ledger balance and my available balance?[back to the top]

Your ledger balance is your beginning-of-the-day balance. Your available balance is your beginning-of-the-day balance plus or minus any of "todays credits" or "todays debits". For example: your ledger balance is $100. Todays credits total $50 (you deposited $50 cash at your branch), and todays debits total $20 (you took $20 from an ATM). Your available balance would be $130. Note: other transactions may be debited or credited to your account throughout the day.


How do I deposit funds? Make withdrawals? [back to the top]

Here are some of the ways to make deposits and withdrawals with The First National Bank of Long Island.

Deposits:

  • Visit your local Branch.
  • Direct Deposit into your account is a fast and efficient method.
  • ATM Many of our ATMs will accept your deposit.
  • Wire Transfers This is a convenient option for moving funds from another institution into your First National Bank of Long Island deposit account.
  • Withdrawals:

        • Visit your local Branch.
        • First Class Teller Card provides you value and convenience, use it for cash withdrawals at ATMs wherever you see the NYCE, Cirrus, MAC, Plus or HONOR signs. Use it at most merchant locations, simply swipe your First Class Teller Card, use your PIN, sign and go! The total of your purchase will be automatically deducted from your Checking Account.

    How much of my past deposit account history is available to me? [back to the top]

    You will have four prior statement cycles of history available to you, as well as days on your current cycle.


    What is the cutoff time for Funds Transfers? [back to the top]

    The cutoff time for Funds Transfers is 8:00 p.m. EST. Any transfer conducted after 8:00 p.m. will not be reflected in the account balance until the following night.


    When is FirstLink Online Business Banking available? [back to the top]

    FirstLink Online Business Banking is available 24 hours a day, 7 days a week, 365 days a year. It is only down between the hours of 1:00 a.m. and 2:00 a.m. EST when we update your accounts.


    When I conduct a transaction via FirstLink Online Business Banking, when are my updates to the account posted? [back to the top]

    Although you can access your account information at any time and do transactions between your accounts, your transactions are not posted on "real time". FirstLink Online Business Banking transactions will not be reflected in the account balances until the applications posting the next business day.


    When viewing my account balances on the account information screen, my balance is showing $0. [back to the top]

    The FirstLink Online Business Banking product first reads a customer account transaction to retrieve all accounts associated with the customer for balances. If the host system is down or off-line, the balance that FirstLink Online Business Banking will display is $0.


    Can I use Quicken/Quickbooks or Microsoft Money with FirstLink Online Business Banking? [back to the top]

    Quicken  and Microsoft Money cannot be used as a direct interface with FirstLink Online Business Banking. However, you can download your First National Bank of Long Island account information into either Quicken/Quickbooks  6.0 or Microsoft Money 6.0.


    How does the downloading process work?[back to the top]

    The download allows you to transfer account transaction information from the Internet to Quicken/Quickbooks or Microsoft Money.


    How do I download my account information into Quicken/Quickbooks or Microsoft Money using Netscape as my browser? [back to the top]
    1. From the online banking account history screen, click on the "Download History" button. This will bring up a screen where you can select a range of dates from which to download.
    2. Select a range of dates from which to download.
    3. After selecting the dates, click on "Download". This will bring up a box that says you have started to download a file of type text/qif.
    4. Click on "Save File". Once youve done this, you can now go into Quicken/Quickbooks or Microsoft Money and import the file.

    How do I download the information using Microsoft Internet Explorer as my browser? [back to the top]
    1. Steps (1) and (2) are the same as above.
    2. Click on "Download". This will bring up a box, which will ask you what you would like to do with the file.
    3. Click on "Save file to disk". As an example, make sure the default file name is "SOMETHING.qif".
    4. Click on "OK" to begin the download.
    5.  Once youve done this, you can now go into Quicken/Quickbooks or Microsoft Money and import the file.

    When I download my statement into Quicken or Microsoft Money, will the transactions reconcile with transactions that I have manually entered into my Quicken or Money register? [back to the top]

    No, the two will not reconcile. It is recommended that you begin with a blank Quicken  or Microsoft Money checking account statement, with the appropriate corresponding beginning balance, and download your First National Bank of Long Island information daily or weekly. This will give you the capability of then using the Quicken or Money management tools.


    When will I be able to access my information through Quicken or Microsoft Money? [back to the top]

    You cannot use Quicken or Microsoft Money as host access. You can only download your checking account history information into Quicken or Money software.


     
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