General Questions |
NetXpress Online Banking |
| Are there any accounts that are not accessible? |
| Do I need a special ID or PIN to access CNB NetXpress? |
| 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 stop payment? |
| Can I use Bill Pay if I live outside the U.S? |
| Can my Bill Pay ID be changed? |
| Do I need a special ID or PIN to access Bill Pay? |
| How do I access Bill Pay? |
| How do I know if a payee is electronic or check? |
| How do I sign up for Bill Pay? |
| 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 happens if I lose or forget my ID or PIN? |
| What if I do not have enough money in my account? |
| What is CNB NetExpress Bill Pay? |
| What payment frequencies are available? |
| 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? |
Ordering Checks |
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 – Wednesday, 7:30 a.m. – 5:00 p.m.
o Thursday – Friday, 7:30 a.m. – 6:00 p.m.
o Saturday, 8:00 a.m. – 12:30 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 |
| Do I need a special ID or PIN to access CNB NetXpress? | | Yes, at enrollment time, you will be given an ID and PIN. If you enroll in person, the bank representative will give you your ID. If you enroll by mail, fax or on-line, you will receive either an e-mail or letter informing you of your ID. Your ID will be 12 numeric characters in length. Your initial PIN will be the last four digits of your social security number. The first time you access CNB NetXpress, you will have to change your PIN.
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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 other charges? | | Stop payments incur a charge of $20. A request for a copy of a canceled check is $5.00 if your account has insufficient funds when a payment is made, you will incur a charge as reflected in your checking account fee schedule.
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NetXpress Bill Pay |
| Can I edit payee addresses? | | No, you will have to set up a new payee with the correct address and delete the incorrect one.
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NetXpress Bill Pay |
| Can I get a copy of a canceled check? | | You may request a copy through Metavante customer service at 866-211-1502. You will incur a charge of $5.00
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NetXpress Bill Pay |
| Can I have multiple payments to the same payee on the same day? | | Yes, as long as the payment amounts are different. For your protection, the system will not pay duplicated items in the same day.
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NetXpress Bill Pay |
| Can I stop payment? | | Payments processed by check can be stopped. Payments processed electronically cannot be stopped. You will need to contact Metavante customer service to place a stop payment. You will incur a charge of $20.00.
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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 CNB checking account and are paying someone in the U.S.
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NetXpress Bill Pay |
| Can my Bill Pay ID be changed? | | No, the Bill Pay ID assigned to you may not be changed. However, you may change your Bill Pay PIN.
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NetXpress Bill Pay |
| Do I need a special ID or PIN to access Bill Pay? | | Yes. Once we process your application, you will receive your Bill Pay ID within 10 business days. For security reasons, you will receive your PIN in a separate mailing. To access Bill Pay, you will need to logon to CNB NetXpress and then logon to Bill Pay.
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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, click Payees and look at the Type column to see a payment method of the electronic check.
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NetXpress Bill Pay |
| How do I sign up for Bill Pay? | | To sign up for Bill Pay you must enroll for CNB NetXpress Online Banking service before signing up for Bill Pay. CNB NetXpress is a free service.
You enroll by completing an application form that is available at any of our offices. Or submit your Bill Pay application online.
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NetXpress Bill Pay |
| How far in advance should I set up a payment to ensure it is paid on time? | | Check payments should be scheduled 5 business days in advance of when you want the payment to be posted should be scheduled 3 business days in advance.
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NetXpress Bill Pay |
| How late in the day can I enter, edit or delete a payment? | | You may enter, edit or delete payments scheduled Monday through Saturday until 10:00p.m. CST the day before the scheduled payment date you set.
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NetXpress Bill Pay |
| How long is history retained? | | Payment history records are kept for 1 year.
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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? | | The minimum payment amount is $0.01 and the maximum amount is $9,999.99
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NetXpress Bill Pay |
| What does the ‘status’ field indicate on the Payment History Page? | | Pending - Processed but not sent
Processed – Processed and sent
Hold- Research request is pending
Stopped- Request for stop payment
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NetXpress Bill Pay |
| What happens if I lose or forget my ID or PIN? | | If you lose/forget your ID, call Metavante customer service and with proper verification your ID will be given to you. If you lose/forget your PIN, call customer service and a new one will be generated and mailed to you.
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NetXpress Bill Pay |
| What if I do not have enough money in my account? | | CNB will treat the Bill Payment items just any check you write. You need to ensure your account had sufficient funds on the payment date.
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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.
Community National Bank has teamed up with Metavante, a trusted name in the financila services industry, to offer CNB cutomers a reliable and flexible Internet Bill Payment service.
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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 are weekend payments processed? | | On Friday, any payments for the current day, previous day and the next 2 days will be processed. Payments processed on Sunday will catch any new payments scheduled payment over the weekend.
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NetXpress Bill Pay |
| When will the money be taken out of my account? | | The money will be taken out of your account within 2 business days after the payment date you set.
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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, the memo information will print on the check. The memo area is 40 characters long. | |
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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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Ordering Checks |
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Community Circle |
| How old do I have to be join Community Circle? | | 55 or older | |
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