Online Banking

Help & Frequently Asked Questions

What is Online Banking?

Online Banking is an internet-based service that provides you a safe and convenient way to do your banking. With Online Banking, you can view your account balances, transfer funds, view cleared checks, send service requests to the bank, and more.

What can I do with Online Banking?

With Online Banking you can:

• Check current balances on personal checking, savings, money market, loan, mortgage, line of credit, Certificates of Deposit (CD), non-brokerage Individual Retirement Accounts (IRA) and most business checking accounts.
• Transfer funds between your checking, savings accounts with us.
• View up to 12 months of account activity for your Bank of Newington checking accounts.
• View cleared check images.
• View up to 12 months of activity for your savings accounts.
• Send online customer service requests to:
• Reorder checks.
• Inquire about a specific transaction.
• Inquire about opening a new deposit account.
• Inquire about applying for a new loan.
• Ask a technical question.
• Send and receive secure messages or questions from customer service.

How much does Online Banking cost?

Online Banking is free of a monthly service charge.

What do I need to enroll in Online Banking?

• An existing account
• Internet access
• A compatible internet browser
• An e-mail address

When can I use my Online Banking Account?

Upon completion of the Online Banking sign-up form, the bank customer service department will review your information submitted within 48 hours. Upon approval, you will recieve an email notice from the bank welcoming you to the Online Banking system.

You may also sign-up for Online Banking at any one of our branch locations during normal business hours.

How do I sign in?

Just enter your User ID in the "Online Banking Login" portion of our homepage.

What if I forget my Online Banking User ID or password?

If you forget your User ID or password, you should call us for assistance at 912-857-4466.

What kind of computer equipment and software do I need for Online Banking?

To use Online Banking, the following is required:

• A personal or business checking, savings or money market account.
• An Online Banking User ID and Password.
• A computer, internet access, and a 128-bit encrypted web browser

What should I do if my browser is rejected?

If you're using an older browser version that is no longer compatible with Online Banking you can download a new browser version (Safari download or Internet Explorer download). We do not recommend that you download beta versions. Once you have completed the download and installation of the recommended browser, you can return to the sign in screen and sign in to Online Banking.

What security measures does Online Banking use?

Online Banking uses several different methods to protect your information:

All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Bank of Newington.

At a high level, SSL uses public key cryptography to secure transmissions over the internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate, then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

• Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating.
• Encryption scrambles transferred data.
• Data integrity verifies that the information sent by you to Bank of Newington wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Is Online Banking secure?

Yes. We are committed to making Online Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 128-bit SSL encryption.

To help protect your privacy while you are using the service, we will sign you out of the Online Banking service after 10 minutes of inactivity.

What does SSL mean?

SSL stands for Secure Socket Layer. This technology allows users to establish sessions with internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through our use of SSL technology.

What is encryption?

Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and Bank of Newington, encryption protects your account information so it can't be intercepted and read by a third party.

What is 128-bit encryption?

There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works each time you bank online. We use the highest level of encryption (128-bit) to ensure your online transmissions are secure.