ACCESS 24
Access 24 Online offers more complete access to your account. Wherever you
are, whenever you need it.
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Online Banking FAQ
- Q: Will I ever receive an email or phone call from Southern Commercial Bank requesting pertinent private account information like SSN, Passwords, Pin numbers, Debit/ATM card numbers or account numbers?
A. NO. Southern Commercial Bank will NEVER call or send you an email requesting this sensitive private information. You should not share this information with anyone for any reason without first calling our Bank and confirming the validity of the request.
- Q: How much does your Online Banking service cost?
A. Online Banking is FREE to our customers.
- Q: How much does your Online Bill Pay service cost?
A. Online Bill Pay is very convenient and is provided FREE of charge to our customers.
- Q: Is Access 24 Online banking secure?
A. Yes. In addition to using 128-bit encryption, Southern Commercial Bank’s Online Banking system was designed with several additional safeguards to ensure your account information remains secure. Should someone attempt to access your account information using an incorrect password more than three times, we will lock out the entire session from use. The lockout can only be cleared by a Southern Commercial Bank employee. Should you forget to log off of Online Banking, your session will automatically be terminated after 15 minutes of no activity.
- Q: Is additional software required?
A. No. Just an Online browser that supports 128 bit encryption. The following browsers are acceptable: Microsoft Explorer version 5.5 or higher (with Secure Sockets Layer support) or Netscape Communicator version 6.2 or higher.
- Q: What should I do if I want to enroll into Online Banking?
A. First you must click on “First Time User” under the Access 24 section on our Homepage. Enter the appropriate information on the Enrollment screen. When you get to the “Password” field, make sure that you use your 4 digit Access 24 pin number. If you have never used our Access 24 Voice system, use the last four digits of your SSN number. You should then be prompted to read our Online Banking Agreement. Please read the Security alert followed by our Agreement and click “I ACCEPT”, then “Continue” button. You will then be prompted to create your Access ID and Password. Each code must be a minimum of 8 characters, a combination of letters and numbers and are case sensitive. By successfully entering this information, your account information will now be displayed for your viewing. If you do not see an account, please contact us at 314-481-6800.
- Q: When can I use Online Banking?
A. You may log on to Online Banking any time, 24-hours a day, seven days a week. You may access Online Banking from any computer with Internet access. Please use caution to protect your passwords when using public computers and wireless networks.
- Q: What if my ACCESS ID or PASSWORD doesn’t work?
A. If you are having a problem signing in as an existing user, please check your CAPS lock key. Since your Access ID and Password are case sensitive, you must key them in exactly as you entered them during your enrollment process. The second most common issue is a complete lock-out of your account. If you weren’t sure of your ACCESS ID or PASSWORD, and began guessing or didn’t realize that you were entering one in the wrong case, you had only three chances to get it right. As a security feature, we lock-out all accounts if an incorrect PASSWORD is entered on the fourth try. At this point, you can either send us an e-mail using the “contact us” button on our website or by calling (314)-481-6800 during regular business hours for customer assistance.
- Q: What are the requirements for the Access ID and Password?
A. Your Access ID must be a minimum of 8 characters. Your Password must be a minimum of 8 characters and a maximum of 16 characters. Both Access ID and Password are case sensitive. An example would be a password of “roberts2” must always be entered as “roberts2”, and not “Roberts2” or “ROBERTS2”. For extra security, we encourage the use of a combination of letters and numbers, both upper and lower case in your password. You will want to avoid using words or numbers that are easy to guess such as names or birthdates, etc.
- Q: How do I change my Password?
A. To change your existing password at any time, log into Online Banking, click on the “Options” tab and then “Change Password" button.
- Q: What if I forget my Access ID or Password?
A. For security reasons, we can retrieve your Access ID but not your password. If you forget your password, please call our customer service to receive a temporary generic password. Once you sign in, you will be prompted immediately to create a new permanent Password.
- Q: What can I do to help protect my privacy and security?
A. You should keep your personal Access ID and Password confidential. Do not share them with anyone. Avoid using Access ID’s and Passwords that are names or numbers that are easy to guess. When leaving your Online Access, always click on the “HOME” button before walking away from your computer, even if you are only walking away for a short time. If you believe that an unauthorized user has gained your Access ID and Password please notify our bank immediately.
- Q: When logged in to Online banking, how do I exit properly?
A. To exit Online Banking click on the “Log Off” button, which will return you to our bank’s public web site.
- Q: Will I still get a bank statement if I sign up for Online Banking?
A. Yes, you will receive your bank statements as usual by U.S. Mail.
- Q: Who do I contact if I need help or have questions?
A. You may call our bank at 314-481-6800 or for our Jefferson County customers, click on Branch locations and call or visit the branch nearest you during normal banking hours. A customer service representative will be happy to answer your questions or assist you. You may also email our bank at any time by clicking on the Contact Us button.
- Q: Can I download my account history into my personal financial management software from my PC?
A. Yes. Online Banking allows you to download information from your Southern Commercial Bank’s Checking and Savings Accounts. From the download screen (which can be accessed from the account summary or individual account detail screens), simply select the format that works with Quicken®, Microsoft® Money or QuickBooks®, or other commonly used spreadsheet applications (such as Microsoft® Excel, Microsoft® Access or, Lotus 1-2-3). Then, select the range of information you need and download it to your computer for use in the program. Instructions and additional information about downloading are available from the Help documentation in Online Banking.
- Q: Can I transfer between my Southern Commercial Bank account and another financial institution?
A. No. Transfers can only be performed between Southern Commercial Bank accounts. However, by utilizing Southern Commercial Banks Online Bill Pay, you can make payments to anyone, anywhere in the United States from your Southern Commercial Bank’s Checking Account.
- Q: What is the difference between a Scheduled Transfer and an Express Transfer?
A. The "Scheduled Transfer" feature allows you to schedule a transfer of funds from one account to another in the future. An Express transfer allows you to move available funds immediately from one account to another and memo posted same business day if it is before 2:00pm central time. If the transfer is after the 2:00 cutoff, then the balances will be reflected on the next business day.
- Q: Can I retrieve images of my checks through Access 24 Online Banking?
A. Yes. Log on to Online Banking, click on an account number and then under the "Transactions" tab, click the "Current Statement or Previous Statement" button. If you have checks that have cleared, the check numbers will be listed and underscored. Click on the check number to be retrieved. Once the image is displayed you can view the front or back , and rotate it. Please keep in mind, access time to retrieve a check image is greatly influenced by the type of Internet connection you have. For example dial up, broadband or cable.
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