Why use online banking?
How do I know that online banking is secure?
What will I need to get started?
How do I access Internet Banking?
What accounts will be available or enabled?
Can I use the online Banking with MS Money® or Quicken®?
How frequently is account information updated?
Do I have 24x7 access to my accounts?
After I sign up for Bill Pay what happens?
After I make a bill payment, how long does it take to be debited from my account?
Typically when does the payee receive payment when I utilize Bill Pay?
Can I see a demonstration before signing up?

Q: Why use online banking?
A: Millions of people worldwide are choosing the convenience, freedom and control of online banking. It's the kind of service you don't know you need until you've tried it. Among the foremost benefits include 24x7x365 access, which allows you to bank at your convenience, not ours. Also, you can bank from anywhere in the world you have Internet access. Finally, you can transfer funds, pay bills and reconcile accounts with the click of a mouse button. It's simply a better, smarter, faster way to manage your money and your time.

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Q: How do I know that online banking is secure?
A: Our online services lead the industry with advanced security measures: 1) Secure log-in and user authentication; 2) Industry-standard SSL encryption to protect confidential information in transit, 3) Secure firewalls to prevent compromise from the Internet; 4) Advanced security configuration of Internet servers to provide local as well as remote protection from break-in attempts.

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Q. What will I need to get started?
A: Most Internet-enabled devices such as a computer can interface with the Easy Access Banking service. A home computer which runs on Windows®95 operating system or a newer version (such as Windows 98®), with a minimum modem baud speed of 14.4 is sufficient. You will also need a Web browser, such as Netscape 3.0 or higher, Microsoft Internet Explorer 3.02 or higher, or AOL 3.0 or higher.

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Q: How do I access Internet Banking?
A: After we have reviewed and approved your application for Internet Banking, you simply click on the "Easy Access Banking" under "Internet Banking" in the left-hand navigation, located at www.mellonunited.com and enter login I.D. and password.

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Q: What accounts will be available or enabled?
A: You will have access to all your deposit and loan accounts. You will need to verify that all appropriate accounts are viewable when you log in to bank online. Account availability can vary between financial institutions.

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Q: Can I use the online Banking with MS Money® or Quicken®?
A: Yes, your history can be exported to personal software such as MS Money® and Quicken®.

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Q: How frequently is account information updated?
A: Daily. If your bank provides real-time online banking services, you may be able to access up-to-the-minute information about your accounts.

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Q: Do I have 24x7 access to my accounts?
A: Yes, our website is available 24x7 for your convenience.

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Q: After I sign up for Bill Pay what happens?
A: You can pay any bill to anyone in the U.S. from your computer. After you log on to the Internet Banking Solution, click "Pay Bills" to send payments. Use the menus to choose payee, amount, etc., enter the requested information and click "Submit" to pay bills.

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Q: After I make a bill payment, how long does it take to be debited from my account?
A: The money is debited from your account two business days after you schedule the payment to be sent.

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Q: Typically when does the payee receive payment when I utilize Bill Pay?
A: If the biller is on the list of electronic payment recipients, then it will typically take three to five business days to process your payment. Other payments typically take five to seven business days to process.

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Q: Can I see a demonstration before signing up?
A: Open your Web browser, go to our website, then select "Internet Banking" on the Home Page. Click on the "Easy Access Test drive" button to enter the demonstration.

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