FAQs

General Banking

  • Are Bank of Winnfield deposit accounts FDIC insured?
    Yes. Each depositor at Bank of Winnfield is insured by the FDIC up to $250,000.
  • How do I set up direct deposit of my payroll check?
    If your employer participates in a direct deposit program, simply provide the Bank of Winnfield routing number and account number to the human resources or payroll department at your company. Your direct deposit will usually begin within thirty days.
  • Can I get information about my account by phone?
    Yes. Account information is available from our customer service representatives during business hours by calling (318) 628-2167. You can get account information 24 hours a day by calling our Voice Response System at (318) 628-2222.
  • What if there is an error and I’m charged the wrong amount, or a payment appears that I did not authorize on my account?
    Always contact your financial institution as soon as you discover an error on your account statement. Federal regulations exist that protect you from unauthorized payments. Remember, always review your statements upon receipt.
  • Does the biller have to provide notice before changing my check to an electronic payment?
    Yes. Companies are required to notify you, before you mail or drop off your check, that they will process your check electronically. Such notice and receipt of your check grants them the right to initiate a one-time withdrawal from your checking account for the dollar amount of the check.
  • How will the payment appear on the statement from my financial institution?
    Electronic payments appear in the same area as ATM withdrawals and debit card purchases. The check serial number will also be listed to assist in identifying the transaction.
  • What will happen to my check?
    For your protection, the billing company makes a copy of your check and destroys the original.
  • Can I do all of my banking with Bank of Winnfield?
    Yes. Thanks to the convenience of direct deposit, ATMs, and online banking, everyday banking activities can be performed from the comfort of your home. Contact us with any questions about your banking needs.

Online Banking

  • What do I need to use online banking?

    To use the online banking website, you will need:

    • Microsoft Internet Explorer 9 or above; Google Chrome; or Mozilla Firefox
    • 128-bit strong encryption
    • Internet Service Provider
  • How much does online banking cost?
    Accessing account information through online banking is free to all account customers.
  • How do I enroll for online banking?

    You may enroll online or stop by Bank of Winnfield and pick up an enrollment form.

  • Will I still receive a monthly statement?

    Yes. A statement will be mailed to you for your records. The Bank of Winnfield also offers e-statements, or electronic statements, that will be sent each month instead of a paper statement. If you wish to enroll in e-statements, please come by either branch and complete an enrollment form or send a signed request letting us know you would like to receive your statement electronically. You may also log in to your online account, click on the statement tab, and manage estatement preferences to set up this service.

    Requirements for receiving statements electronically are:

    • Enrollment in online banking prior to enrolling in e-statements
    • Possession of a working printer or the option to download the statements for your records
    • A current email address

    You can discontinue e-statements at any time by notifying the Bank of Winnfield in writing.

  • Are there other services available with online banking?

    Yes. We also offer bill pay services. BillPay Plus is the ultimate in bill payment convenience. Pay bills anywhere, anytime you have access to the Internet. Internet bill pay eliminates the time consuming chore of writing and mailing a check.

  • Is there a charge for Bill Pay Plus?

    This service is offered at no charge to our customers

  • Who can I pay with BillPay Plus?

    You can make payments to anyone within the United States. No matter who you want to pay - the local florist, a major credit card, or your mortgage company – BillPay Plus can make your payments for you.

  • How often is my account information updated?

    Your deposit account information is updated constantly during banking hours. You will see daily activity posted to your account during nightly processing as “pending transaction” items on the Account Detail screen. This gives you access to real-time balances and history for most deposit transactions such as: teller transactions, ATM transactions, ACH items, telephone transfers, online transfers, and more. Loan balances and transactions, including online transfers to loan accounts, will continue to be updated nightly. Any transaction posted during nightly processing shows as “posted transactions” on the Account Detail screen.

Mobile Banking

  • What is Mobile Banking?

    Mobile Banking is available for use with your smart phone in order to access your account activity.

  • Is there a charge for Mobile Banking?

    No. We offer this service free of charge.

  • Do I have to have Internet Banking to get the app and use Mobile Banking?

    Yes. Mobile Banking is an extension of your Internet banking that works specifically with your smart devices.

  • What if I need assistance using online banking?

    If you can’t find the answer to your question using the FAQ page, simply call us at (318) 628-2167 or (318) 628-4677. A Bank of Winnfield employee is available to answer your questions:

    • Mondays–Wednesdays 8:00 a.m.–4:00 p.m
    • Thursdays 8:00 a.m.–Noon
    • Fridays 8:00 a.m.–5:30 p.m.

    You may also submit your questions by sending an email using the Contact Us page on our web site or to customerservice@bankofwinnfield.com.

    Online enrollment form

    Mobile Banking page

Security

  • I’m still hesitant about banking online. Can other people see my account information?

    Your account information is at least, if not more, secure online as it is at your physical brick and mortar bank. We’ve taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

  • I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?

    Encryption is a way to rewrite something in a code, which can then be decoded later with the right key. The encryption we use employs a mathematical process of the key that is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While on our online banking system, all communication from you to the system, and from the system to you, is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your online banking session is started) and processes it.

  • What about information that is stored? Is it encrypted as well?

    Information stored on our system is also encrypted, using at least 128 bits.

Troubleshooting

  • I am having trouble getting connected. It keep asking me for my login and password. What do I do?

    First, make sure that the caps lock key on your keyboard is turned off. Then, verify that the login and password are not misspelled.

  • I get the message, “Can’t locate server.” What does this mean?

    Usually it means the particular site you are trying to access is down or unavailable. If this is happening with every site, check your Internet settings and verify that you are connected.

  • I get the message, “Your modem is being used by another dial-up networking connection.” What does this mean?

    It means that some other program or process has control of the modem and will not allow the Internet to access it. If you have any FAX software that answers the phone or if you have a voice messaging program running, it may cause the error. If you have nothing other programs open, press Conrol-ALT-Delete and wait for the Close Program or Task Manager window to appear. Look for Rnaap in the window, highlight it, and click End Task. Then click OK when it asks for confirmation. Try connecting. If it still persists, you may need to reboot the computer.

Debit Cards

  • What do I do if my Bank of Winnfield Debit/ATM card is lost or stolen after business hours or on weekends?

    Please contact our 24-hour support line at 1-800-500-1044 to report the card as lost or stolen. You will also need to contact our Bookkeeping Department at 318-628-2167 or stop by one of our branches during normal business hours to request a replacement card.

  • Why is someone calling me about my Bank of Winnfield Debit/ATM card and asking to verify transactions?

    You can’t be too careful in today’s world of identity theft and stolen information, and Bank of Winnfield uses the services of a third party fraud monitoring system. This company monitors our customer’s cards for possible fraudulent activity. The monitoring service will never ask for any personally identifiable information beyond the last four digits of your Social Security number for verification purposes. However, if you are not comfortable talking to our monitoring service, please contact us in the Bookkeeping Department.

  • What do I do if my card has been compromised or I see suspicious charges on my account?

    Please contact our Bookkeeping Department as soon as possible at 318-628-2167 and report the information.

  • What are some safety tips for my debit card/ATM card?

    • Treat your card like cash. Keep it in a safe place at all times.

    • Keep your PIN a secret. Memorize the number. Never write it on your card or anywhere else readily accessible by anyone.

    • Do not disclose information about your Bank of Winnfield debit card over the telephone and never disclose your PIN.

    • Review your account statements promptly and report any errors you may find.

    • Always review your receipts as soon as your transaction is complete to make sure they show the correct amounts and charges.

    • If you receive cash back, always count it and put the cash away before you leave the register or cashier.

    • Be aware of your surroundings, especially when using a standalone terminal.


    If you use your card on the Internet, please remember to:

    • Always be sure you keep your computer’s virus protection up to date.

    • Avoid doing financial transactions via an unprotected WiFi connection (e.g. coffee shop, restaurant, mall).

    • Look for secure transaction symbols when shopping online to ensure your information is protected.

    • Always log off when your transactions are complete. If you cannot log off, close your browser.

  • What are good ATM safety tips?

    • Always observe the ATM surroundings before conducting your transactions.

    • If an ATM is obstructed from view or poorly lit, go to another ATM. Report the problem to the bank that operates the terminal.

    • Minimize the time you spend at the terminal when conducting your transaction. Have your card out and ready to use.

    • Do not allow a stranger to assist you in making a transaction, even if you have trouble or your card gets stuck.

    • If you are doing multiple transactions at a walk-up ATM, do your cash withdrawal last. Always put your money away quickly and count it when you are sitting in your car.

    • Make sure you have finished the transaction and removed your card before leaving the ATM. Some ATMs ask if you want another transaction. You must reply No to close out your card’s transactions. If you do not close your card’s transactions and remove your card, the next ATM user can use your card.

    • Block the view of others when using the ATM. Shield the keypad as necessary when entering your PIN and the amount so it is not seen by anyone waiting to use the terminal.

    • If you see anyone or anything suspicious, cancel your transaction and leave the area at once. If anyone follows you, go immediately to a crowded area and call the police.

    • Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device; scratches, damaged or crooked pieces; loose or extra attachments on the card slot; or noticeable resistance when pressing the keypad. Report the potential problem to the bank that operates the ATM.

    • When in line at a drive-up ATM, keep your doors locked, windows up, and your engine running.