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NetTeller and BillPay Frequently Asked Questions
 
NetTeller Basic FAQs
What is NetTeller?
NetTeller is The First National Bank of Groton's online banking system.
 
How do I sign up for NetTeller access?
To sign up for NetTeller access, you will need to stop in at either office and fill out a form and select which accounts you would like to have online access to.
 
I am a current NetTeller customer. How do I add new accounts to my NetTeller profile?
When you open a new account, just inform the Customer Service Representative that you would like the account to be added to your NetTeller profile.
 
What type of accounts can I access on NetTeller?
You may access any type of account on the NetTeller system.
 
Can another customer access my accounts?
No. The only customers who can access your accounts are those listed on the account.
 
What type of transactions can I perform on NetTeller?
You may perform the following transactions on the NetTeller system: Account inquiry; transfer funds between your own accounts; pay bills (for a small monthly fee); view statements; post questions to the Bank; and view rates
 
What is the cost for this service?
For the basic online banking service, there is no fee.
 
How long does it take for my profile to be set up for use?
We will try our best to have your profile set up by 5:00 pm the same day, if we receive your application by 2:00 pm. If we receive the application after 2:00 pm it will be set up within 1 business day.
 
How many months of statements can I view via NetTeller?
The system will collect and retain six months of statements; however, it will not start collecting until you have enrolled in NetTeller.
 
Why are there three different sets of questions to verify my identity?
The set of three questions asked during the first sign on is used by the system to verify your identity if the system has detected you are doing something out of the ordinary based on your specific habits.

The personal question and answer on the "option" screen is used by the system when you have forgotten your password and choose to use the "self reset" process.

The question and answer that the Bank asks for is used by Bank employees to verify your identity. This may be used for other Bank business other than NetTeller (such as requesting information over the phone).
 
How often will I have to change my password?
As a security measure, you will be required to change your password every six months.
 
I've forgotten my password. How do I reset it?
To reset your password, you may do one of two things. First, you may call the Bank during our normal banking hours for assistance. If you choose not to do this or it is outside our normal hours, you may choose to use the NetTeller system's self reset option on the logon screen.
 
How does the password self reset process work?
You will need to know your NetTeller ID and email address that you signed up with. The system will send you an email containing a link that will assist you in selecting a new password.
 
I've become blocked or locked out of the system. What do I do?
If you become blocked or locked out of the system, please contact the Bank's help desk during our normal banking hours.
 
Can I place a stop payment over the NetTeller system?
No, you will need to contact the Bank to place a stop payment.
 
Will you send unsolicited emails that contain links?
No, the Bank will never send you an unsolicited email that contains links.
 
Will you send me an email that asks for private information?
No, the bank will NEVER send you an email that will ask for private information like account numbers, passwords, Social Security numbers, etc.
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BillPay FAQs
How do I sign up for BillPay?
To sign up for BillPay, you will need to stop in at either office and fill out a form.
 
Do I have to sign up for BillPay at the same time I sign up for NetTeller access?
No, you do not need to sign up at the same time. You may come in at any time after signing up for NetTeller's basic service to sign up for BillPay.
 
How much does BillPay cost?
When you sign up for BillPay, the first six months are free. After the first six months a $2.95 per account per month fee will be charged to your BillPay account.
 
How will my bills be paid?
If a company is included in the electronic database, an electronic payment will be posted to your checking account the same day it is authorized if done before 1:00 PM and will be applied to your bill within 3-4 business days. If a company is not included in the electronic database, a check payment will be made.  A physical check will be generated and mailed to the company to pay your bill.  The check will clear your account just like a regular check written from your checkbook. This can take from 5-7 business days.
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    Each depositor insured to at least $100,000
    The First National Bank of Groton
P.O. Box 38, 161 Main Street, Groton, NY 13073 • 41 S. Main Street, Moravia, NY 13118
(607) 898-5871 • (315) 497-2707
Buzz: (607) 898-9700 • (315) 497-2200