Digital Banking FAQs

For personal accounts:

Step 1. From the home page select “Register for Digital Banking” on the login bar

Step 2. Select “Register – Personal."

Step 3. Read and agree to the Terms and Conditions for the online banking agreement.

Step 3. Enter the Registration form information on the Registration page, then Submit.

Step 4. Create your user ID and password, then click register.

Step 5. Verify or update email address, then click Confirm.

For business accounts:

Navigate to Self-Registration for business digital banking for detailed instructions and requirements.


Once logged in to Digital Banking:

You can access your account information, transfer money, open a new account via Online Banking, pay bills online, manage your savings goals and budget, and more. 

We support the two most recent versions of Microsoft Internet Explorer, Firefox, Safari, and Google Chrome. Some areas of online banking may require the use of Macromedia Flash or Adobe Acrobat Reader. Other browsers and operating systems may work effectively; however, we do not test against them and therefore your experience may vary. We regularly monitor and test browsers to ensure the highest security standards.

Click Banking Service Center, select ‘My Profile’, select the info you’d like to update and follow the prompts.

The "Forgot Password" feature for both online and mobile banking will allow you to sign in with your user name and change your password. To change your password, follow these steps:

• Enter your user name
• Click ‘Forgot Password?’
• Enter the requested personal authentication information. Click "Submit".
• Enter and confirm your new password. Click "Submit Password".

 

Once your password has been changed, you will receive immediate access to your accounts.

You can open new checking and savings accounts via online banking or the mobile app. Click ‘Open an Account’ from the menu and follow the prompts. If you try to open a new account via our website instead, you will be asked if you are a current customer and routed to open your account via online banking. This ensures that your application is processed as quickly as possible, partially authenticating you through your current account.

Step 1. In online banking, select ‘Banking Service Center’ from the ‘Banking Service Center’ navigation at the top right of the page.

Step 2. Once there, in ‘Account Services’ select ‘Reorder Checks’.

Step 3. From this screen, select the account for which you’d like to reorder checks and click ‘Order Checks’.

Step 4. Click ‘Continue’ on the Third Party Disclaimer popup.

Step 5. Verify if your account number is correct and click ‘Yes, start a new order’.

Step 6. Select your check design.

Step 7. Confirm your personalization and add to cart.

Step 8. Click ‘Proceed to checkout’.

PLEASE NOTE: IF YOU ARE A PRIME TIME CHECKING CUSTOMER, CONTACT CUSTOMER SERVICE AT 508-828-5420 TO REORDER CHECKS TO AVOID YOUR ACCOUNT BEING CHARGED.

Any consumer or business customer with a deposit or loan account.

Yes, mobile banking is available to customers with a Bristol County Savings Bank deposit or loan account.

Customers who would like to use mobile banking should:

1. Search for “Bristol County Savings Bank” in the app store for your device
2. Download the application
3. Review & accept terms and conditions
4. Complete the personal information form which includes: First & Last Name, SSN, Email address, Last 4 digits of Debit Card number & Card PIN
5. Create a user ID & password and then confirm your password
6. You will be presented with a confirmation message upon successful registration
7. You may now log into mobile banking with your selected user ID & password.

Yes. When logged into the mobile app, click on Banking Services, then “Manage Fingerprint/Facial” and follow the prompts.

Yes. You may also conveniently add new payees and schedule bill payments.

Yes. Our loan customers have easy access to make loan payments and view account balances.

Here are some of the other convenient features of BCSB mobile banking:

• Deposit checks as soon as you receive them by taking pictures with your phone or tablet, using our convenient and secure Remote Deposit Capture feature – no more waiting to get to the bank
• Check your account balances, search recent transactions by date, amount, or check number, view cleared checks. Save even more time with a new swipe feature for “fast balance” plus the last five transactions
• Pay bills, add new payees and schedule bill payments
• Make loan payments and view account balances for your consumer and business loans
• Transfer funds between Bristol County Savings Bank accounts
• Quickly place a stop payment on a check
• Organize your finances and reach your financial goals with the new financial management tool
• Easily reset your password through the app
• Utilize Cutting Edge Face ID Technology on applicable mobile devices
• Find nearby Bristol County Savings Bank branches and ATMs using your device’s built-in GPS. Additionally, you can search by zip code or address

Within the mobile banking app, select the option to make a deposit. You’ll be prompted to choose which account you want to deposit into, and to enter the amount of the check. Next you’ll be asked to take a photo of the front and back of your check, using your phone’s built-in camera. (Don’t forget to endorse the back of the check!) Then submit the deposit – you’ll receive a verification message that the deposit has been submitted.

Upon your receipt of a confirmation that the Bank has received and accepted an image that you have transmitted, you must retain the check for at least 30 days from the date of the image transmission. After this time, you must securely destroy the check, mark it “VOID” or otherwise render it incapable of further transmission, deposit, or presentment.

In general, mobile deposits received before 5 PM are available the next business day. That means that generally mobile deposit availability is actually better than an ATM deposit which has an automatic 2 day hold. (Note: We do reserve the right to place a hold on the mobile deposit).

One of our goals is to make using mobile banking for deposits as easy and convenient as making a deposit at our branches. A deposit made using mobile deposit is available to you the next business day in most cases just as if it was made at a branch. While mobile deposits CAN be made 24 x 7 x 365, there is still a “business” day cutoff for a mobile deposit, which is 5 PM daily (M-F).

Yes. You can enroll in push notifications by selecting ‘Banking Services’ in the mobile app and navigating to ‘Manage Alerts’ and selecting ‘Push Notification Enrollment’.

Once enrolled, you will automatically receive push notifications for our security alerts (like when your password has been changed). If you would like to receive push notifications for other types of alerts (like for a low balance), navigate to the ‘Manage My Alerts’ page. You will see an area within each alert where you can add your device.

Please note: if you uninstall and reinstall the app, you will need to reenroll for push notifications.

See ‘Account Alerts and eNotices’ for a list of available alerts.

No. You should report the loss to your mobile carrier who will stop service to your device. As long as your password remains secure, you are protected from fraudulent use. If your original phone number is retained after you receive a new phone, you will need to download the application again, but your exiting password will continue to work. If you are issued a new phone number, you will need to repeat the registration/activation process.

You can reset your password here or contact us for support.

Yes. Two people can have access to the same joint account number via their individual mobile devices as long as each account owner has their own digital banking profile. Each account holder will receive a unique password for access.

eStatements are a safe, secure way to protect your information and are easily accessed through digital banking. You can receive email reminders sent to your email address whenever your new eStatement is available and eliminate paper statements to help reduce paper waste and conserve resources. Keep track of your finances by printing or saving your eStatements to your computer, CD, or hard drive and view monthly loan statements, including remaining balance and prior payment information all in one place.

To enroll in eStatements, login to the online banking site via your desktop or laptop and follow the steps below.

• Select "View eStatements" next to the account you wish to enroll.
• Click the "Next" button on the following screen.
• Review the Terms & Conditions and scroll to the bottom of the page to locate the PDF Acknowledgement Code.
• Enter the PDF code in the box in the lower-left corner of the screen and click "Submit."
• Click the "Accept" button in the lower-right corner of your screen.

 

While you cannot currently enroll in eStatements in our mobile app, you can view your eStatements there once enrolled.

Log in to online banking or the mobile app and select ‘Card Management’ from the ‘Accounts’ dropdown to freeze or unfreeze your card. If your debit or ATM card is lost, misplaced or stolen you can freeze your card by clicking the “Deactivate” button next to the card you want to freeze. If you find your card, you can unfreeze the card by selecting the “Reactivate” button so you can continue using your card as you did before you froze it.

NOTE: If you think your card is lost or stolen, or you believe that there are unauthorized transactions posted to your account, please contact us immediately so we can send you a new card. To report lost or stolen cards during business hours, call Customer Service at 508-828-5420, or if after hours, call 800-472-3272.

You can set a travel notification to let us know that activity outside of your normal transacting area will be occurring. Simply log into online or mobile banking and select ‘Travel Notifications’ from either the Quick Links or by selecting ‘Banking Service Center’, and selecting ‘Travel Notifications’ from the Card Services area.

Yes. In online banking, go to the Banking Service Center and select “Apply for an ATM/Debit Card”. From a mobile device, go to the Banking Services icon, select Secure Forms, select “Apply for an ATM/Debit Card”, complete the required fields and click Submit.

Yes. In online banking, go to the Banking Service Center and select “Replace My ATM/Debit Card”. From a mobile device, select Banking Services from the main menu, select Secure Forms, select “Debit/ATM Card Replacement Request Form”, complete the required fields and click Submit.

Yes. In online banking, go to the Banking Service Center, click Secure Forms, select “Debit/ATM Card Daily Limit Increase Request”. From a mobile device, select Banking Services from the main menu, select Secure Forms, select “Debit/ATM Card Daily Limit Increase Request”, complete the required fields and click Submit.

Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account.

Unfortunately, at this time Popmoney is limited to personal banking customers.

Popmoney sends money electronically from Bristol County Savings Bank directly to your recipient’s bank. There is no middle account that holds your money as there is with other services. You also do not need to register for a separate account or download another mobile app as you can access Popmoney from within your Bristol County Savings Bank account online or via the mobile app.

Popmoney is located in ‘Pay Bills and Send Money’ in online and mobile banking. After following the steps to register, you will be able to access Popmoney.

Send money to anyone using their email address or account information. You will be notified when the transaction is completed. When someone sends money to you, you will receive an email or text message.

Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online. The following are just a few of the convenient ways that you can use Popmoney:

• Split an expense with friends
• Send money to your child at college
• Send a gift to family and friends
• Reimburse friends for that fun outing
• Pay your babysitter or your lawn care service
• Pay rent to your landlord or roommates

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business days after accepting the payment.

If you make a payment before 3:00 p.m. on a business day, the funds will be debited from your account on the same day. You should see the transaction on your statement the following day. If you make a payment after 3:00 p.m. or on a non-business day, the funds will be debited from your account on the next business day

In ‘Pay Bills and Send Money’ you can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can also request and receive money from a person or group, all within our digital banking platforms.

Added Convenience

eBills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in bill pay. You can view your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.

AutoPay for eBills. You can set up some eBills to be paid automatically according to options you set. You can change or cancel AutoPay for eBills at any time.

You can use Payment Center to pay any company or person with a U.S. address. Payment Center offers the flexibility and convenience of sending money from one place.

• You can pay anybody in the United States or territories that you can pay using cash, check, or debit.
• We send the money electronically whenever possible. If the company or person can't accept electronic payments, we print and mail a check on your behalf.
• In Payment Center, tell us who to pay, the payment amount, and the delivery date. The money stays in your account until it’s time for us to deliver the payment.
• When you add a company or person to pay, we save the contact info to make future payments even quicker and easier.
• We maintain relationships with thousands of companies, and manage their contact info for you.
• Payments made through Payment Center are guaranteed.
• You can use Popmoney to send money electronically to people. They receive notification by email or text message.

We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. People can receive electronic payments directly to their bank account through Popmoney.

If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info:

• Your name and address
• The company or person's name and your account number with them, if available
• The payment amount
• The delivery date

 

If you added a memo to your payment, the info is printed on the memo line of the check.

If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.

If the company or person you're paying can receive electronic payments, the money is typically delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.

Yes. bill pay uses several methods to ensure that your info is secure.

• SSL. Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection.
• Encryption. Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet.
• Automatic Sign Out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.

You can see the status of your payments in Activity. Payments start in a Pending status until processing begins.

Reminders are useful when you want help remembering to make payments on time, but you aren’t ready to set up AutoPay. Set up and manage reminders from the Payment Center.

The feature is a great way to share bills with roommates, collect money for team uniforms, or get reimbursed for a dinner bill you split with friends. Simply send a request to a person or group, and they’ll get notified to pay the request.

• Request money from a person or group for a shared expense.
• Choose the amount for each person or split it equally among recipients.
• Track the payment status of your open and closed requests.
• Have the payments deposited into the account you’ve selected.

The Alerts Service located on the Alerts Menu allows you to request and receive messages about your account(s) via email or push notifications in the mobile app. Requested Alerts will be effective after you establish a Subscription to the Alert(s). The types and frequency of your Alerts will be managed by you and the alerts may be stopped or suspended by you at any time. 

Get notified when a check clears, a debit purchase or bill payment is made, an electronic deposit is made, when funds are withdrawn from your account and more. 

Any Account Activity

This alert sends a message when any type of account activity occurs on the account selected by you.

Available Balance – Below Amount

This alert sends a message when the available balance on a specific account decreases below the dollar amount selected by you. You can select the number of consecutive days during which you would like to receive the alert if the available balance remains below that amount and then the number of days after which the alert will resume if the available balance remains below.

Available Balance – Daily Snapshot

This alert sends a daily message with the available balance in your account.

Bill Payment

This alert sends a message when the amount of any bill payment initiated from the bill pay service (see the “Pay Bills and Send Money” tab in the main menu) is withdrawn from the account and above the dollar amount selected by you.

Check Cleared At or Above Amount

This alert sends a message when the amount of any check that you have written is withdrawn from the account and at or above the dollar amount selected by you. This does not include any bill payments initiated from the bill pay service under the “Pay Bills and Send Money” tab in the main menu.

Check Cleared By Check Number

This alert sends a message when the check number of the check that you have issued and inserted below is posted to the account selected by you. This does not include any bill payments initiated from the bill pay service under the “Pay Bills and Send Money” tab in the main menu.

Check Cleared Electronically

This alert sends a message any check that you have issued and that was converted to an electronic transaction is withdrawn from the account and at or above the dollar amount selected by you. This does not include any bill payments initiated from the bill pay service under the “Pay Bills and Send Money” tab in the main menu.

Current Balance – Above Amount

This alert sends a message when the current balance on a specific account increases above the dollar amount selected by you.

Current Balance – Below Amount

This alert sends a message when the current balance on a specific account decreases to or below the dollar amount selected by you.

Debit Card Purchase

This alert sends a message when the amount of any purchase transaction performed with your Bristol County Savings Bank ATM/debit card is withdrawn from the account and at or above the dollar amount selected by you. This does not include any withdrawal transactions performed at ATMs with your card.

Electronic Deposit

This alert sends a message when any type of electronic deposit including but not limited to the direct deposit of payroll, pension and/or social security occurs on the account and above the dollar amount selected by you.

Insufficient Funds Fee

This alert sends a message when a transaction occurs that results in an insufficient funds fee being applied to the account selected by you

Reminder Alert

This alert enables you to send a reminder message. This message can be any type of reminder and is not specific to any account or transaction. The message could be a reminder to make a deposit, pay a bill, discuss refinancing your mortgage with a Bristol County Savings Bank representative or even to remind a family member about a dentist appointment!

Withdrawal

This alert sends a message when the amount of any transaction that results in a withdrawal of funds from the account and above the dollar amount selected by you.

Don’t like receiving paper notices via US mail? eNotices allow you to enroll in electronic notices instead of receiving paper documents and receive notifications when these notices are available within online banking. Notices available include: insufficient funds notices, returned deposited items notices and overdraft transfer notices.

An unlinked account is another Bristol County Savings Bank account that is not linked to your account. Using the ‘Unlinked Account’ function, you can transfer money to another Bristol County Savings Bank customer, instantly for free. Just enter their full name, type of account and account number.

An External Transfer utilizes our Bank to Bank Transfer service which allows you to transfer funds to or from your accounts at another financial institution. Bank to Bank Transfers may take between 3 to 5 business days to complete.

Step 1. Select the Transfers tab, and then select the External Accounts link.

Step 2. From the External Accounts page, select Add External Account.

Step 3. Enter the bank routing number and select Verify. Then, enter the account number, account nickname (can be non-specific/unique), and type of account. After verify the information on the screen, select submit.

Step 4. Once submitted, the trial deposits for verification will be generated. The account number provided will be sent two small deposits, less than $1.00 each. This process can take up to 3-5 business days to complete.

Step 5. At the time the trial deposits are received they can then be verified on the External Accounts page. After logging back into BCSB Online Banking, select the Transfers tab and follow the External Accounts link. Under Manage External Accounts, select Verify.

Step 6. Enter the amounts as you received them. You only need to enter the digits after the decimal point. (ex. If you received $0.19 and $0.25, just type “19” in Deposit Amount 1 and “25” in Deposit Amount 2). Then select next.

Step 7. Once the trial deposits are entered successfully, the External Account will be active.

Manage My Money helps you with organizing and categorizing your spending. You can manage your budget, control spending and even establish savings goals.

Set and stick to a budget: With Manage My Money, you can set a budget and create a plan to reach your personal financial goals.

Meeting a Savings Goal: Manage My Money helps you reach your goals. Just enter how much money you need, set a date and link your goal to specific accounts so it's easy to stick to your plan.

Manage My Money helps you organize your spending into categories. Forty-eight standard income and expense categories are already created, but you have the flexibility to create your own custom categories.

We are happy to provide you with two options to assist you in downloading your account data to your Quicken® program. Bristol County Savings Bank has the following connection options for your Quicken software:

Quicken® Web Connect
The Web Connect service is an on demand update for your Quicken software that is completed by you at your convenience. Simply sign in to export transactions directly from your account history and import them into your Quicken software. NOTE: This is the most secure process for maintaining your Quicken software as you do not have to share your online banking User ID and Password with the Quicken software.

Quicken® Direct Connect
The Direct Connect service communicates directly with a connection to your digital bank account. To establish this service, in online banking, navigate to Banking Service Center/Card and Online Services/Quicken® and QuickBooks® and click the “Enroll” button. Visit Quicken.com for instructions on how to enable this service from your Quicken software.

QuickBooks® Web Connect
The Web Connect service is an on demand update for your QuickBooks software that is completed by you at your convenience. Simply sign in to export transactions directly from your account history and import them into your Quicken software. NOTE: This is the most secure process for maintaining your QuickBooks software as you do not have to share your online banking User ID and Password with the Quicken software.

QuickBooks® Direct Connect
The Direct Connect service communicates directly with a connection to your digital bank account. To establish this service, in online banking, navigate to Banking Service Center/Card and Online Services/Quicken® and QuickBooks® and click the “Enroll” button. Visit QuickBooks.com for instructions on how to enable this service from your Quicken software.

Security Information
Please be aware that when utilizing the Quicken or QuickBooks Direct Connect services you are sharing your digital banking user credentials. For security purposes, Bristol County Savings Bank does not recommend sharing your credentials with any 3rd party relationships. We feel the most secure option for the input of account history into your Quicken software is by utilizing the Quicken Web connect service.

For assistance please contact a Customer Service Representative at 508-828-5420.