American Patriot Bank
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About Online Banking

Q: What is On-Line Banking?
A: On-Line Banking lets you do your banking right from your PC at home or in the office. You now have access to all your banking information through the Internet. It's as easy as point and click. The safe and secure way to bank from your PC is now available at American Patriot Bank. You can access our Online Banking services by clicking here. You can even take a test drive to see how easy it is.

Q: What can I do with The Bank Online's On-Line Banking?
A: You can check balances, review account histories, transfer funds between accounts, reorder checks, issue stop payments, apply for loans and deposit accounts. You'll also be able to pay bills and you can communicate with the Bank through e-mail.

Q: What equipment will I need?
A: You can access American Patriot Bank's On-Line Banking from any computer that has Internet access and a Web browser with 128-bit security, such as Netscape Navigator 4.0 or higher or Microsoft Internet Explorer 4.0 or higher.

Q: Can I access my accounts from more than one computer?
A: Yes. You can use any computer that has Internet access and a browser with 128-bit security. That means you can pay bills and access your account at home, at work, or from a laptop when you are out of town.

Q: How do I enroll for On-Line Banking?
A: You may enroll on-line or stop by any office and pick up a brochure and an enrollment form. You may also call our American Patriot Bank Online department at (423) 636-1555 (8:30 - 5 M-F) and one of our representatives will send you an enrollment form.

Q: Which accounts can I access?
A: Checking, savings, money market, and loan accounts can be accessed through our new On-Line Banking system. Transfers may be made between checking, savings, and money market accounts. You can even make payments on any loan through a transfer from your checking, savings, or money market account.

Q: How current is the on-line statement information?
A: When you connect to On-Line Banking, you will receive information on all of your account activity for the last 90 days. The on-line information is current as of the last posting and displays all activity conducted through the bank such as electronic deposits and cleared checks, plus transactions at ATMs and merchant point-of-sale terminals.

Q: Will I still receive a monthly statement?
A: Yes. As always, a statement will be mailed to you for your records.

Q: How secure is On-Line Banking?
A: An outstanding feature of this system is its multiple security levels. American Patriot Bank uses a combination of the latest security technologies to protect data. It features password-controlled entry, Veri-Sign issued Digital ID for the on-line server, Secure Socket Layer (SSL) protocol for data encryption and state-of-the-art firewall protection. Regulation E applies to On-Line Banking just like our VISA Check Card, and liability on unauthorized electronic transactions is limited to $50.00 for transactions that are reported in a timely manner.

Please note: You will not be accessing the bank's host computer. When you request access for this service your account information for On-Line Banking will be hosted on a separate server with all the appropriate firewalls and multiple layers of protection described above.

Q: How much does it cost?
A: Accessing account information through On-Line Banking is free to all personal account customers.

Q: Are there charges for other on-line banking services?
A: No. Our Online Bill Pay service keeps you from writing checks, buying stamps, and the hassles of mailing. There will be no monthly service charge.

Q: Which bills will I be able to pay through Bill Payment?
A: You can pay almost anyone with a valid address in the United States -- from utilities to credit cards, to your paperboy. However, government regulations do not allow you to make payments for alimony, maintenance, child support, taxes, or other governmental fees or court-directed payments through this service.

Q: How long does it take for bills to be paid?
A: It is necessary that all Scheduled Payment Dates selected by you be no less than five Business Days before the actual due date, not a late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Eastern Time [ET], for a payment to arrive on Friday.) Payment Instructions entered after the 8:00 p.m. ET Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges (up to $50 per late payment). In any other event, including but not limited to choosing a Scheduled Payment Date which is not five Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

Q: Which accounts may I access?
A: You may access any account on which you are an authorized signer. Simply complete the enrollment form indicating which accounts you would like to access via on-line banking. This form may be completed on-line or stop any of our locations and pick up a brochure with the enrollment form enclosed.

Q: What if I forget my password?
A: If you forget your Internet password, you can call our Online Banking Department Monday through Friday 8:30 a.m. to 5:00 p.m. at (423) 636-1555 to have your password reset. You'll be asked to provide additional personal information that will verify your identification. Your password will then be reset and you will be given instructions to proceed. You will also have the ability to change your password on-line whenever you wish.

Q: I have more questions. Who do I call?
A: You may email us or call our American Patriot Bank Online Department at (423) 636-1555 (8:30-5, M-F) for more information.

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