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January 1Closed
New Year's Day
January 21Open
Martin Luther King, Jr. Day
February 18Open
President's Day
May 26Closed
Memorial Day
July 4 Closed
Independence Day
September 1Closed
Labor Day
October 13Open
Columbus Day
November 11Open
Veterans Day
November 27Closed
Thanksgiving Day
December 25Closed
Christmas Day |
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How much does Online Banking cost? |
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| The cost is absolutely nothing for our customers. |
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Who can use NetTeller? |
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| Anyone who is an Excel Bank customer and has at least one depository account may access his or her account(s). |
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What do I do if I forget my PIN? |
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| When you choose your password, it is immediately encrypted for your protection - no one knows it but you. If you forget it, simply call us at (660) 826-1213 to reset it. You will then be required to change your PIN the next time you access your online account. |
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What happens if I receive the message "Your account is currently locked"? |
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| If you are locked out of your accounts simply call Excel Bank at (660) 826-1213 and we will reset your PIN to the original numbers. |
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When is NetTeller available for use? |
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| NetTeller is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside of our control. |
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How late in the evening can I make a transfer? |
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| The transfer cut off time for the current day’s business is 6:00 p.m. CST. Our business days are Monday through Friday, excluding legal holidays. |
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Are there limits on the number of transfers I can make? |
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| Yes, depending on the type of account you have. Checking accounts have no limits on the number of transfers you can make; however, savings and money market accounts, by federal regulation, are allowed no more than six transfers a month. Refer to your Truth in Savings brochure for more details. |
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Can I download my bank account information into my financial software package? |
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| Yes. You may download your transactions into financial software packages such as Microsoft® Money. You may also download your information into a text file or spreadsheet. |
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What happens if I do not EXIT NetTeller? |
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As a security feature if you are logged in for ten consecutive minutes without using NetTeller you will have to log-in again to resume banking.
NOTE: To exit NetTeller properly, click on "Log Out" located on the top menu bar. |
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Why do I have to enter my NetTeller ID and PIN twice before I get my account information to show? |
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| This will happen if you do not LOG OUT NetTeller properly as listed above. |
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Why am I getting asking the security questions? |
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| Our multi-factor system has detected that you are using a different computer or there is a usage change in your online banking. You are prompted these extra security questions to verify your identity. |
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How much does Online Bill Payment cost? |
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| There is no charge for usage of Excel Bank's Online Bill Payment service. |
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Who can I pay through Online Bill Pay? |
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| You can pay virtually anyone online! |
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How late in the day can I enter, edit, or delete a payment? |
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| You may add, edit or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and NOON CST it may be edited up until NOON CST. |
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What happens if I have a scheduled payment that falls over a weekend or holiday? |
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| Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over that particular weekend will be processed on Sunday night. Holiday processing occurs the day following the holiday. |
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Can I get a copy of a cancelled check? |
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| Along with getting a confirmation number when you make the payment, you may contact us to receive an image of the draft if it has paid on your account. |
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When will the money be taken out of my account? |
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For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST 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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What if I do not have enough money in my account? |
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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 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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How far in advance should I set up a payment to insure it is paid on time? |
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| Check payments should be scheduled 7-10 business days in advance of payment due date. Electronic payments should be made 2-3 business days prior to the payment's due date. |
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How do I know if a merchant will be paid electronically or by paper check? |
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| Once the merchant has been set up, you can look at the Payee list. A field labeled Type indicates the payment to be either Check or Electronic. |
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Will the memo field I fill out when setting up a payment be passed on to the merchant? |
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| Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 will be cut off. Memo field information will NOT appear on electronic payments. |
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