General Questions |
NetXpress Online Banking |
| Are there any accounts that are not accessible? |
| How do I access CNB NetXpress? |
| How do I sign up for CNB NetXpress? |
| Is there a fee or service charge to access NetXpress? |
| My ID is difficult to remember. Can it be changed? |
| What if I don't want to change my home page but I want to access CNB's website quickly? |
| What information can I download to my PC? |
| What type of security is available? Is Internet banking secure? |
| What types of accounts are accessible? |
| Whom can I call if I have questions about NetXpress? |
NetXpress Bill Pay |
| Can I edit payee addresses? |
| Can I get a copy of a canceled check? |
| Can I have multiple payments to the same payee on the same day? |
| Can I postdate a single payment? |
| Can I stop payment? |
| Can I use Bill Pay if I live outside the U.S? |
| How do I access Bill Pay? |
| How do I know if a payee is electronic or check? |
| How far in advance should I set up a payment to ensure it is paid on time? |
| How late in the day can I enter, edit or delete a payment? |
| How long is history retained? |
| How many payees may I have set up? |
| Is there a fee to access Bill Pay? |
| Is there a minimum and maximum payment amount? |
| What does the ‘status' field indicate on the Payment History Page? |
| What if I do not have enough money in my account? |
| What is CNB NetExpress Bill Pay? |
| What payment frequencies are available? |
| When and how are payments processed? |
| When are weekend payments processed? |
| When will the money be taken out of my account? |
| Whom can I pay through Bill Pay? |
| Will the memo field be passed on to the merchant? |
| Will the transaction appear on my bank statement? |
Community Circle |
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General Questions |
 | How do I contact Community National Bank? | | There are several ways to contact Community National Bank.
By telephone:
· 1-802-334-7915
o Monday – Thursday, 7:30 a.m. – 5:00 p.m.
o Friday, 7:30 a.m. – 6:00 p.m.
o Saturday, 8:00 a.m. – 12:00 p.m.
By mail:
Main Branch;
· Community National Bank
PO Box 259
Derby, VT. 05829
By Internet:
· cnbhelp@communitynationalbank.com
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NetXpress Online Banking |
| How do I add new accounts that I might open? | | Complete another application form and list only the new account(s) you want added to your ID. Indicate on the bottom of the form that you have an existing ID.
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NetXpress Online Banking |
| Are there any accounts that are not accessible? | | Yes, Visa credit card accounts, shareholder information and trust accounts are not accessible from CNB NetXpress. However, you can view your previous deposit account statements which contain shareholder balance information.
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NetXpress Online Banking |
| How do I access CNB NetXpress? | | You access CNB NetXpress from our website using an Internet browser. Our website URL address is www.communitynationalbank.com | |
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NetXpress Online Banking |
| How do I sign up for CNB NetXpress? | | You may enroll online. Click the Internet Banking navigation button on the top of the web page. Then click 'sign up now'. You may also pick up an application form at any of our eight branch offices.
The enrollment form asks for your account number and a pseudo/alias name to be assigned to the account. For example, loan number 456789050 might be assigned an alias of car loan; and deposit account 123456001 might be assigned an alias of household checking.
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NetXpress Online Banking |
| Is there a fee or service charge to access NetXpress? | | No, there is no fee, however, you must enroll for this service. You have the benefit of banking at home or work - any day and at any time.
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NetXpress Online Banking |
| My ID is difficult to remember. Can it be changed? | | Yes, once you have signed on to CNB NetXpress, you can change your ID by selecting Management option Change Netteller ID/(Alias). Rather than using your 12 numeric character ID, you can assign an alias to your ID. Alias IDs must be 1-12 characters in length. The alias ID cannot begin with a number but it can contain a number in it. All IDs are unique and no two persons may have the same one. If you enter an alias ID that has already been selected, you will be prompted to enter another ID.
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NetXpress Online Banking |
| What if I don't want to change my home page but I want to access CNB's website quickly? | | You can add our home page to your list of Favorites or Bookmarks, depending on the browser you are using.
- Internet Explorer: When you are at the page you want to reference again in the future, click Favorites; Add to Favorites; enter the name you want associated with the page in the Name box; and click OK.
- Netscape Navigator: When you are at the page you want to reference again in the future, click Bookmark then Add Bookmark.
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NetXpress Online Banking |
| What information can I download to my PC? | | You can download transactions into financial products such as Quicken, Microsoft Money or QuickBooks. You can also download into a text file or spreadsheet.
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NetXpress Online Banking |
| What type of security is available? Is Internet banking secure? | | Be assured your banking activity with CNB NetXpress is secure. Several controls are in place to secure your information and prevent hackers from accessing your information:
- Each user of NetXpress is given a unique ID and PIN. IDs are 12 numeric characters in length. PINs are four digit number characters.
- Users are allowed only three invalid sign on attempts before the system will lock the user out for a 24-hour period. If you forget your PIN, you can call the bank to have it reset to the last four digits of your social security number.
- Account numbers are not transmitted across the Internet. At enrollment, you provide an alias name for each account. The alias name is transmitted over the Internet, the account number is not. The association between the alias name and the account number is done on the bank's computer.
- All data is encrypted, including the ID and PIN. The web browser you use must support 128-bit encryption.
- All sessions have a time limit. If your session is inactive for 10 minutes, you will have to sign on again.
- Firewalls and multiple layers of security prevent hackers from accessing customer and bank information.
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NetXpress Online Banking |
| What types of accounts are accessible? | | You can access information on demand, savings, club, IRA, time deposit, loan, line of credit and safe deposit accounts.
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NetXpress Online Banking |
| Whom can I call if I have questions about NetXpress? | | All branches have personnel knowledgeable about NetXpress. You may also contact NetXpress Support in the Derby office.
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NetXpress Bill Pay |
| Are there any merchants that I cannot pay? | | No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the elecrtronic database that requires an address match, choose the correct remittance address listed on your bill.
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NetXpress Bill Pay |
| Can I edit payee addresses? | | You may edit the address of a check payee only.
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NetXpress Bill Pay |
| Can I get a copy of a canceled check? | | Yes. You can view the checks online.
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NetXpress Bill Pay |
| Can I have multiple payments to the same payee on the same day? | | At this time, there is nothing that checks for multiple payments for the same amount going to the same vendor on the same day.
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NetXpress Bill Pay |
| Can I postdate a single payment? | | Yes. Just set the payment date for a valid future date.
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NetXpress Bill Pay |
| Can I stop payment? | | Only check payments can be stopped after the check is printed and mailed. Payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.
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NetXpress Bill Pay |
| Can I use Bill Pay if I live outside the U.S? | | Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.
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NetXpress Bill Pay |
| How do I access Bill Pay? | | You must first access CNB NetXpress from our website using an Internet browser. Our website URL address is: www.communitynationalbanl.com
Bill Pay is an option once you logon to CNB NetXpress.
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NetXpress Bill Pay |
| How do I know if a payee is electronic or check? | | Once you have set up the payee, then you can look at the payee list screen and you will see a field that will tell you if the payee is electronic or check.
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NetXpress Bill Pay |
| How far in advance should I set up a payment to ensure it is paid on time? | | For an Electronic Payment, allow 3 business days from when the payment is submitted. For a Check Payment, the check will be in the mail on the same day the payment is submitted if it is submitted before 3 a.m. processing. If the check payment is entered after 1 p.m., the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.
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NetXpress Bill Pay |
| How late in the day can I enter, edit or delete a payment? | | You may add, edit, or delete a payment up to 3:00 AM on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM and 1:00 PM it may be edited up until 1:00 PM.
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NetXpress Bill Pay |
| How long is history retained? | | Payment history for active and deleted payees is retained and viewable for 19 months.
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NetXpress Bill Pay |
| How many payees may I have set up? | | There are no limits to the number of payees you can set up.
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NetXpress Bill Pay |
| Is there a fee to access Bill Pay? | | No. There are no monthly or transaction fees.
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NetXpress Bill Pay |
| Is there a minimum and maximum payment amount? | | Electronic payments are validated against the available account balance prior to processing with a maximum limit of $500,000.00. Check payments maximum limit is $9,999,999.99.
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NetXpress Bill Pay |
| What does the ‘status' field indicate on the Payment History Page? | | Processed-The payment has been processed and sent.
Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.
NSF payments will keep trying until one of the following happens: the funds become available, if it's a recurring payment and it expires, or you delete the payment.
Communication Failure-There was an error due to communication problems. The payment will try again during the next processing run.
Vendor Refund-Payment rejected at the electronic vendor
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NetXpress Bill Pay |
| What if I do not have enough money in my account? | | Check payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
Electronic payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
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NetXpress Bill Pay |
| What is CNB NetExpress Bill Pay? | | Bill Pay is an optional Feature of CNB NetXpress that allows you to pay your bills online. The types of activities you can perform include: define payee, define payments history and view scheduled payments.
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NetXpress Bill Pay |
| What payment frequencies are available? | | Payment frequencies are weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annually and annually. Recurring payments can have and end date of any year in the future.
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NetXpress Bill Pay |
| When and how are payments processed? | | Payments submitted, recurring or one time, before 3:00 AM Monday-Friday will be processed at 3:00 AM. Payments submitted between 3:00 AM and 1 PM will be processed at 1 PM. Payments received after 1 PM on Monday-Thursday will be processed the next business day. Payments received after 1 PM on Friday will be processed the next busniess day. 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. | |
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NetXpress Bill Pay |
| When are weekend payments processed? | | If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend, or the last working day before the holiday.
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NetXpress Bill Pay |
| When will the money be taken out of my account? | | For an Electronic payment, funds are debited the same day that the payment is sent, providing it is sent by 1 p.m. Electronic payments submitted after 1 p.m. are debited the next day during bill pay processing.
Check payment funds are debited from the account when the check clears your account at the bank.
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NetXpress Bill Pay |
| Whom can I pay through Bill Pay? | | You can pay anyone in the U.S. from the guy next door, the utility company, the bank and even a child in college across country.
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NetXpress Bill Pay |
| Will the memo field be passed on to the merchant? | | Yes, your memo will appear on the paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments. | |
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NetXpress Bill Pay |
| Will the transaction appear on my bank statement? | | Your transaction will appear on your monthly checking account statement as ‘Bill PAYMT Payee Name PPD.’
Don’t forget to enter your transactions in your check register.
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Community Circle |
| How old do I have to be to join Community Circle? | | 55 or older | |
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