Here are
some helpful answers to the most frequently
asked questions about KleiNet Online Banking. Please
select from the categories below.
If you can't find an answer to your question, please
click on "Contact Us" and complete the form. We
will respond as quickly as possible.
Categories
KleiNet
» back to top
KleiNet Bill Pay
» back to top
KleiNet Technical Questions
» back to top
Other KleiNet Questions
» back to top
PassMark: Multifactor Authentication
» back to top
KleiNet
What is KleiNet?
KleiNet is a free Internet banking product that allows our customers
24-hour access to their personal accounts. By simply logging on to www.kleinbank.com,
customers can check balances, transfer funds, issue stop payments, view cancelled
checks, and more. Electronic bill payment through Bill Pay is also available
through KleiNet. Bill Pay is free or free for six months depending on the type
of account you choose. If applicable, a $3.00 monthly fee
may be automatically deducted from your account.
» back to top
How much does KleiNet cost?
KleiNet is free to customers with a personal account. KleiNet Bill Pay is free or
free for six months depending on the type of account you choose. If
applicable, a $3.00 monthly fee may be automatically deducted from your account.
» back to top
Who can access KleiNet?
KleiNet is available free to any customer with a personal account such as a checking, savings, loan, or CD.
» back to top
How do I sign up for KleiNet?
To begin using KleiNet, hover your cursor over KLEINET ONLINE and click on Sign Up. Read
the Online Access Agreement and click I Agree To These Terms. Complete the First Time User Information box. If you do not have your four digit KleinLine Password, call or visit your local bank. Once
you click Submit, a screen will appear and you will be asked to select a new Access ID and Password. For your protection, your Password must be six to 17 characters in length and contain at least 1 alpha and 1 numerical character.. Also note that the Access ID and Password fields are case sensitive. You will use these each time when you access the log on page of KleiNet in the future. Please note that by changing your access codes in KleiNet, you do not change your KleinLine codes.
» back to top
How do I access KleiNet?
To access KleiNet, follow these simple directions:
- Access the Internet and go to www.kleinbank.com
- From the KleinBank homepage, click on Member Banks and select your bank location.
- First time users will need to click Sign-Up for KleiNet Online Banking. All
other users click KleiNet Online Banking.
- You are now at the KleiNet log on screen. Follow the directions on the screen to enter KleiNet.
Please read KleiNet's Online Agreement for Internet banking services. This Agreement is updated when new Internet banking services are introduced and it is your responsibility to review the Agreement periodically for any changes or updates to it.
» back to top
How do I use KleiNet?
After you have logged on to KleiNet, you will be shown a list of your accounts and corresponding balances. Just click on an account number to see more details such as your current statement or previous day transactions or perform a transaction such as transfer funds or pay a bill.When you have completed your KleiNet session, it is recommended you click Log Off at the top of the screen to terminate your session. However, if you forget to log off, the system will terminate your session after 10 minutes of inactivity. If you wish to continue your session, just return to the log on page and enter your access codes again. As an additional security precaution, you should also close your browser after your online session and clear your browser's history.
» back to top
How current is the information on KleiNet?
Generally, the account activity is shown as the close of the previous
business day. All electronic activity such as wire transfers, KleinLine
and KleiNet transfers, automatic deposits and withdrawals, and ATM activity are
posted upon occurrence on the current business day.
» back to top
Can I download my account history into my financial management software on my computer?
Yes, information can be downloaded from your checking, savings, and loan accounts on KleiNet into a format that can be used with Quicken, Microsoft Money or other commonly used spreadsheet applications (such as Excel, Access, or Lotus).
- From the accounts screen, click on the account from
which you want to export information. This will take you to the "balance" page.
- Click on the Transactions button once or select Transactions Menu from the drop down list.
- Complete the Transaction Search box.
- Click Export. Your information will be downloaded and you will then be asked to save the file. Once saved, you can import it into the appropriate application: Quicken 2003 or later (.QIF), MS Money (.OFX), MS Excel/Lotus 1-2-3 (.CSV), Quickbooks 2003 or later (QBO), Quickbooks 2005 (QFX), Quicken 2005 (QFX).
» back to top
How much account activity is maintained on KleiNet and for how long?
If you have signed up for Image statements, you can access the past
13 months of activity. If you would like to sign-up to receive Image statements, please contact your local bank during regular business hours. Accounts
without Image statements can access account activity through your current and
previous bank statement. You have up to 20 days after the last day of your previous
statement (or 20 days after your previous statement is cut) to view. For example,
if the last day of your statement was January 1, you have until January 20 to
view the activity from that statement.
» back to top
Can I download my account activity for the past year?
No. Account activity is maintained for download/export purposes through your current and previous bank statement. You have up to 20 days after the last day of your previous statement (or 20 days after your previous statement is processed) to export the information. For example, if the last day of your statement was January 1, you have until January 20 to export the activity from that statement.If you have signed up for Image statements, you can view and print the past 13 months of account activity. If you would like to sign-up to receive Image statements, please contact your local bank during regular business hours.
» back to top
Can I transfer funds from/to other financial institutions from KleiNet?
You may only transfer funds between your KleinBank accounts within the same bank. However, using Bill Pay, you can make payments to almost anywhere in the United States. If you use KleiNet Bill Pay, there is a small $3.00 per month maintenance fee which is automatically deducted from your account.
» back to top
Why can't I see my loan transfer on the current business day?
Unfortunately, we cannot memo post electronic loan transfers to appear
on the current business day screen. When KleiNet is updated in the evening,
you can see your loan payment on the previous business day or current statement
options.
» back to top
When will advances, payments, or transfers made through KleiNet be credited or debited from my account?
Most financial transactions (account transfers, advances, and payments) requested before 6:00 p.m. CST are processed immediately on the business day they are requested. Transactions requested after 6:00 p.m. CST, on weekends and holidays will be processed on the next business day. When a transaction has been completed, you will receive a confirmation number. The transaction will appear on your bank statement as usual.
» back to top
How do I get an Access ID and Password for KleiNet?
When you log on for the first time, you will need to click Sign-Up for KleiNet Online Banking. Read
the Online Access Agreement and click I Agree To These Terms. Complete the First Time User Information box. If you do not have your four digit KleinLine Password, call or visit your local bank. Once
you click Submit, a screen will appear and you will be asked to select a new Access ID and Password. For your protection, your Password must be six to 17 characters in length and contain at least 1 alpha and 1 numerical character. Also note that the Access ID and Password fields are case sensitive. You will use these each time when you access the log on page of KleiNet in the future. Please note that by changing your access codes in KleiNet, you do not change your KleinLine codes.
» back to top
Does my password expire?
All passwords automatically expire annually.
» back to top
KleiNet Bill Pay
What is Bill Pay?
KleiNet’s electronic bill payment system, Bill Pay, allows you to conveniently pay bills from your personal checking account. You can make a one-time payment, schedule a payment to be made in the future, or set up a recurring payment. Bill Pay is free.
» back to top
What are the advantages of using Bill Pay?
Bill Payment is a convenient service for paying your bills. You enter the payment information and we will send the payment for you. By using Bill Pay, you reduce the time it takes to pay your bills and eliminate the cost of stamps.
» back to top
How can I sign up for Bill Pay?
Once you have logged into KleiNet, click on the “Click Here to Access and Pay Your Bills Online” button. Complete the registration form and bill pay agreement and click Submit. It will take approximately 2 business days for the Bill Pay link to be activated. An email will be sent to you indicating that you are signed up to use Bill Pay.
» back to top
How do I access the Bill Pay feature?
Once you have successfully logged on to KleiNet, click on the “Click Here to Access and Pay Your Bills Online” button. You will now have the option of setting up a new payment or modifying an existing payment.
» back to top
Will I need a separate password for Bill Pay?
No. Once you have logged on to KleiNet, you will be able to access Bill Pay by clicking on the link “Click Here to Access and Pay Your Bills Online”.
» back to top
How often can I use Bill Pay?
You can use Bill Pay as often as you like.
» back to top
When does my session time out?
If your online session is inactive for six minutes, you will receive a pop-up message, warning that you will be logged off in two minutes if there is no further activity. Clicking “Continue” upon receiving the message will allow you to proceed with your Bill Pay activity and will refresh the system for another eight-minute cycle. After receiving the third consecutive inactivity warning, the system will automatically save any transactions you made and terminate the session. The online bill pay service is designed this way to provide you with maximum security in case you forget to log out.
» back to top
Can I make a payment from my savings account using Bill Pay?
No. Bill Payments can only be made from your checking account.
» back to top
Whom can I pay?
You can pay virtually anyone in the United States – from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible are any organizations or individuals outside of the US.
» back to top
What does it mean if a Payee is listed in the status column as “pending” on the Payees screen?
After you have added a new payee, the payee may appear as “pending” for several days until the information you provided, such as address and account number, can be verified. Often the new Payee is identified and verified within seconds or minutes. In other cases, this process may take up to 3 business days. You will only see the “pending” status in the Payee list when the verification of a newly added Payee is in progress. Verifying the Payee information is critical to the Payment Guarantee.
» back to top
When can I schedule the first payment to a new Payee that I just set-up?
You may set-up a Payee and schedule the first payment in the same session. If the new Payee is verified immediately, you may schedule a payment according to standard payment guidelines and as a “today” payment that will be processed the next business day. [Note: You will see “Available” status displayed in the Payee list.] If the new Payee is not verified immediately, you may still schedule a payment to the new Payee within the same session, however, the payment must be scheduled a minimum of 8 days in advance of the intended payment date or due date. The system will not allow you to schedule payments sooner than 3 business days from the session date until the Payee is verified and available. [This extra time for the first payment allows 3 days to verify the Payee and 5 days to process a check payment if applicable.] Once the Payee is verified and “Available”, standard Payment guidelines will apply to the new Payee. [See the FAQ below “When are payments and transfers actually made?”] We encourage you to go back online into the bill payment service to check on the status of any payments you schedule to a “Pending” Payee. If for any reason the Payee information cannot be verified or is in some way incorrect, you will be notified via this online messaging service so that you may correct the Payee information and reschedule a new payment.
» back to top
How far into the future can a scheduled recurring payment or transfer be made for?
Recurring transfers and payments can be scheduled for up to 40 years from Today’s date. After the recurring transfer or payment is scheduled, only the next transfer or payment in the recurring cycle will be displayed in Online Activity.
» back to top
How do I delete a payment that I scheduled for today?
If you are still in the same session during which you scheduled the payment, you can delete it from the scheduled payments list or the Payment Center list. Click on the trash can icon next to the payment to initiate the delete. If you have exited the session, you cannot delete the today payment because the transaction has already been completed.
» back to top
When are payments and transfers actually processed?
Today payments scheduled prior to 12:00 midnight are debited from your account the same day. They are processed and sent to the Payee (electronically or by check) the next business day Monday through Friday.
Scheduled payments are debited on the same day as their send date, and processed either on the scheduled payment send date or on the next business day. If the send date falls on a Saturday, Sunday, or holiday, the payment will be processed (sent to the Payee electronically or by check) on the next business day.
Payments to electronic merchants must be scheduled 2 business days before the payment due date. Payments to merchants who cannot accept electronic payments must be scheduled 5 business days prior to the due date.
Please note: Payments scheduled as “Today” payments are sent out the following business day.
» back to top
What happens if I make payments before midnight but log off after midnight?
You must complete your transactions and log off prior to midnight for the transactions to be processed as Today payments that will be sent out the following business day.
Example: You schedule a “Today” payment at 11:45 p.m. on a Thursday and log-off of Bill Pay and KleiNet at 11:52 p.m. Your payment will be sent out on Friday, the next business day.
» back to top
When are transfers between accounts at KleinBank completed?
“Intra-bank” transfers, between accounts at KleinBank, are executed the same day (unless scheduled for a day in the future). The available balances are adjusted on both accounts the same day of the transfer. For example, the available balance in the “from” account is decremented and the available balance in the receiving account is incremented immediately.
» back to top
What happens if I have insufficient funds to cover a payment?
Bill Pay will confirm a today transaction only if you have sufficient funds in your funding account to cover it. Future-dated transactions are stored by the system, but the funds are not debited from your account until the scheduled transaction date. If a payment fails due to insufficient funds, an Online Bill Pay message will be sent and this service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, no further notification is sent. If the payment fails on the retry, a second Online Bill Pay message will be sent.
» back to top
What if my payment is late, and I am charged finance charges?
If we tell you to schedule the payment 2 business days before the due date, and you scheduled the payment 3 business days before its due date and the payment was still late, then we will take the responsibility. On the other hand, if you did not schedule the payment the required number of business days before the due date, you will be responsible for any late fees. Be particularly aware of mortgage due dates and bank holidays.
» back to top
What happens if I schedule a payment that falls on a Saturday?
Payments scheduled on Saturday, Sunday or holidays will be debited on the same day as their send date, and will be processed the next business day. The payment will be made on the next business day. The following table shows the timing for each type of Bill Pay payment.
» back to top
Frequency |
Timing |
Example |
| Weekly |
7 calendar days from the start date |
Start date: Friday, April 11
Next payment: Friday, April 18 |
| Bi-weekly |
Same day of week every 2 weeks (14 days from the start date) |
Start date: Friday, April 11
Next payment: Friday April 25 |
| Monthly |
Same date every month
If the start date is on the 29th, 30th, or 31st day of the month and the number of days in the payment month is less than the start date, then the next payment will be mae on the first business day of the following month. |
Start date: Friday, April 11
Next payment: Monday, May 12
Start date: Monday, March 31
Next Payments: Wed., May 12
Tuesday, Monday June 12
Start date: Wednesday, Jan. 29
Next payment: Monday, March 3
Tuesday, April 29 |
| Semi-monthly |
Twice a month.
If the start date is less than 15, add 14 to it.
If the start date is greater than 14, subtract 14 from it. If the subequent payment date is still greater than 14, the payment day is set to 14. |
If the start date is less than 15:
Start date: Wed., April 2
Next payment: Wed., April 16
Next payment: Friday, May 2
If the start date is greater than 14:
Start date: Wednesday, April 30
Next payment: Wed. May 14
Next payment: Wed., May 28 |
| Quarterly |
Same date every 3 months |
Start date: Friday, April 11
Next payment: Friday, July 11 |
| Semi-annually |
Same day of month every 6 months |
Start date: Friday, April 11
Next payment: Friday, October |
| Annually |
Same day of month once a year |
Start date: Friday, April 11
Next payment: Monday, April 13 |
What is the Payment Guarantee?
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant. Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see the Agreement and Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.)
The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:
- The payment was scheduled to be paid at least two or five business days prior to the due date, excluding any grace periods. (The one exception to this guideline is that mortgage payments should be scheduled to be paid on or before the due date. For example, a mortgage payment due on July 1st, with a 15-day grace period, must be scheduled for processing by no later than July 1st). Two-day payments are remitted to electronic merchants, and five-day payments are remitted to check merchants. Please note, The payment was scheduled to be paid at least two or five business days prior to the due date, excluding any grace periods. (The one exception to this guideline is that mortgage payments should be scheduled to be paid on or before the due date. For example, a mortgage payment due on July 1st, with a 15-day grace period, must be scheduled for processing by no later than July 1st). Two-day payments are remitted to electronic merchants, and five-day payments are remitted to check merchants. Please note, “Today” payments are not actually processed/remitted until the following business day. The “today”
- The payment was not made to an excluded merchant
a. Tax entities*
b. Collection entities*
c. Court-ordered payments such as alimony, child support, speeding tickets, etc.*
d. Payments to payees outside of the United States*
e. Payments to payees located in the Armed Forces Postal Codes such as AE and AP
f. Payments to settle securities transactions
g. Payments to payoff “special financing” transactions
h. Unprocessed payments due to debit failures
*Payments to these merchants are not permitted through the Bill Pay service.
- The information supplied by you is correct (payee name and address, your name and account number as it appears on the payeeThe information supplied by you is correct (payee name and address, your name and account number as it appears on the payee’
» back to top
How can I transfer funds to an account at another financial institution?
Simply click on the Transfers tab and then click on the “add interbank account” option. Complete the form to add an account from another financial institution to enable an interbank transfer. You must complete a separate form for each account that you would like to set up for transferring purposes. It is important to note that you will not receive balances or account statements for these accounts. They can only be set up for the purpose of transferring funds.
» back to top
How will I know if the payee received my Bill Pay payment?
You will know the payment was made to the payee when the funds are taken from your checking account. As with a regular payment you send in the mail, you will know the payee received the payment when the payee credits your account with them.
» back to top
How many accounts can I access?
You can access the accounts that were designed when you signed up for this service. You also may be able to add additional accounts if they are available by contacting the KleinBank Customer Service Center at 1-888-553-4648.
» back to top
Why do I lose statement information?
Statement information is only stored and displayed for a limited time period.
» back to top
Why won’t my balance change when I click Reload on my browser?
You must click the Update Balance button to get this information. If you still experience a problem, try emptying your browser’s cache file.
To clear your cache in INTERNET EXPLORER:
- Under the TOOLS menu, select INTERNET OPTIONS.
- Select the GENERAL tab.
- In the Temporary Internet Files area, click DELETE FILES. Click OK in the pop-up box.
- In the History area, click CLEAR HISTORY. Click OK in the pop-up box.
- Click OK on the main INTERNET OPTIONS screen.
- CLOSE your browser and then RESTART.
To clear your cache in NETSCAPE:
- Under the TOOLS menu, select PREFERENCES.
- Under Categories, expand ADVANCED.
- Select CACHE.
- Select CLEAR MEMORY CACHE, then click OK in the pop-up box.
- Select CLEAR DISK CACHE, then click OK in the pop-up box.
- CLOSE your browser and then RESTART.
» back to top
Do I get a receipt from each transaction?
A reference number is displayed after you complete a transaction. This is your electronic receipt. The reference number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.
» back to top
How do I export my financial information to Money or Quicken?
When you have completed transactions or reviewed your statement and you are ready to export the data, refer to the instructions on the Export Data page.
» back to top
How can I update my information?
By clicking on the Profile tab, you can access screens to change your Internet Email Address, Password, User ID and Personal Authentication Information. To change your address or telephone number with this service, please send a message with the pertinent information to Customer Service by clicking on the Messages buttons in the navigation bar.
» back to top
Do I need an e-mail account to use the Message Center?
No, you don’t need an e-mail account to use Messages.
» back to top
How do I get additional help during a session?
You can always get assistance simply by calling Customer Service at 800-440-0922 during business hours.
» back to top
What if I have additional questions?
Please contact Customer Service at 800-440-0922.
KleiNet Technical Questions
What
system requirements will I need?
To access KleiNet, you will need a computer with Internet access and an Internet browser with 128-bit encryption such as Internet Explorer 5.5, Version SP1 or greater. Please note you may experience problems using KleiNet with Netscape Navigator or on a Macintosh system. For optimal viewing, a monitor with a resolution of 800 x 600 and a 486 processor or higher.
» back to top
Whom do I call if I'm having problems logging on to KleiNet?
If you are having problems logging on to KleiNet such as your password doesn't work or the KleiNet links are not working properly, contact KleiNet by e-mail or call 877-KleiNet (553-4638) for assistance.If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. KleiNet is unable to provide technical support for computer or browser-related problems.
» back to top
How do I change my password for Kleinet?
If you want to change your password, follow these instructions:
- Log on to KleiNet
- Click the Password button
- Enter your existing password
- Enter your new password
- Enter your new password a second time for confirmation
- Click Submit. Your password is changed.
- You will receive a confirmation e-mail.
For your protection, your password must be 6 to 17 characters in length and contain at least 1 alpha and 1 numerical character. Also note that the fields are case sensitive.
» back to top
When I change my Access ID or Password, I get a message that says it has already been selected/chosen. What does this mean?
For added security, all Access IDs and Passwords must be unique. This means no two KleiNet users can have the same access codes. If you receive this message, simply try another combination of numbers and/or letters. (For your protection, your Access ID and Password must be 6 to 17 characters in length and contain at least 1 alpha and 1 numerical character. Also note that the fields are case sensitive).
» back to top
What browser do I need to access KleiNet?
You will need a 128-bit encryption Web browser that supports secure connections. KleiNet is best viewed with Internet Explorer 5.5, Version SP1 or greater.
» back to top
What software is required to view my Image Statement online?
To view your statement online, you must have Adobe Acrobat Reader, version
6.0 or higher, installed on you pc. To download a free copy of Adobe Acrobat
Reader, click here and follow the instructions.
» back to top
Do I need any special software or hardware to use KleiNet or Bill Pay?
To access KleiNet and Bill Pay, you will need a computer with Internet
access and an Internet browser with 128-bit encryption such as Internet Explorer
5.5, version SP1 or greater. Please note you may experience problems using
this site with Netscape Navigator or on a Macintosh system. For optimal viewing,
a monitor with a resolution of 800 x 640, modem speed of 28.8, and a 486 CPU
or higher is best.
» back to top
What if I get an error message while interacting with KleiNet or Bill Pay?
If there is anything KleiNet or Bill Pay cannot process, an error message with a description of the problem will be displayed. In most cases the problem can be fixed by following the instructions in the error message. Most errors will allow you to return to the previous page or give you the option to try again. Some of the most common problems include:
- Incorrectly entering your Access ID or Password
- An account without access to KleiNet. This can be resolved by contacting KleiNet by email or by calling 877-KleiNet.
» back to top
Why am I unable to print some pages while in KleiNet?
You will be able to print your account summary balances and account details, all transaction confirmations, and credit line statements. However, you may experience difficulties printing some other content pages depending on your browser type and settings.
» back to top
Why do I sometimes receive errors when I use my back and forward buttons in my browser?
Due to security requirements, there are some instances where we prevent
pages from being saved to your computer's hard drive or kept in your computer's
memory. In these cases, you will receive a browser error message that asks you
to "re-post" or "reload" the page. If you are using Netscape, simply click the
browser's Reload button and you will receive the last page you visited. If you are using Internet Explorer, simply click the browser's Refresh button.
» back to top
Whom can I contact for help with KleiNet or Bill Pay?
If you need additional assistance with KleiNet or Bill Pay, you can contact KleiNet by e-mail or by calling 877-KleiNet, Monday through Friday 7 a.m. to 7 p.m., Saturday 7 a.m. to 2 p.m., or call your local bank during regular business hours.
If you are having problems with your browser, Internet connection, or other technical problems with your computer, you will need to contact the appropriate provider or supplier. KleiNet in unable to provide technical support for computer or browser related problems.
» back to top
Can I access KleiNet outside the United States?
You can access KleiNet from anywhere there is Internet access, including
outside of the United States. However, you must be a citizen or resident of the
United States to use KleiNet. Payments requested through Bill Pay can only
be made to payees with an address in the United States.
» back to top
Can I log on to KleiNet from more than one computer at the same time?
Yes, you can log on to KleiNet from more than one computer at the same
time. This allows accounts with more than one owner to use KleiNet at the same
time. For example, if a household has a joint checking account, one member of
the household can access it from home while the other can access it from work. Each
account holder has their own unique access codes.
» back to top
Can other members of my household view my account information from KleiNet?
There are only two ways someone else can access your account information from KleiNet:
- If you give someone your Access ID and Password (not recommended)
- If they are an owner or signer on the account (each owner/signer on an account will have their own Access ID and Password)
If you believe someone is accessing your account illegally, immediately contact KleiNet at 877-KleiNet Monday through Friday from 8 a.m. to 5 p.m. or call your local bank during regular business hours.
» back to top
Can I use the same Access ID and Password if I have accounts at more than one location?
If you have accounts at more than one location, you may not be able to access all your accounts with the same Access ID and Password unless all your accounts are within the same Member bank. If you cannot view all of your accounts on KleiNet, please call 877-KleiNet.
» back to top
When I click
on the lock icon at the bottom of my browser, I get a message that says, "This certificate fails to verify for all of its intended purposes." What
does this mean? Is the site still secure?
Yes, KleiNet is a secure site and VeriSign, an industry leader in site
authentication, verifies our security. If you click on the VeriSign logo, you
will get a message that says the site is secure. However, due to some browser's
limitations, if you click on the lock icon at the bottom of your browser, the
Certificate window box pops up and you may get a message that says "This certificate
fails to verify for all of its intended purposes." This means that your browser
does not recognize the VeriSign name. Simply click the "Certification Path" tab
and you will see a message that says, "This certificate is okay" which means
though it doesn't recognize the certificate name, it is a secure site.
» back to top
Other KleiNet Questions
What
online services are available through KleiNet and the banks' website?
There are several online services available through KleiNet. You can:
- Verify an account transaction
- View a canceled check
- Transfer funds
- Pay a bill
- Place a stop payment on a check
- Change your online password
- E-mail us a question or comment (E-mail is not secure. Do not send personal or confidential information by e-mail.)
Through the banks website, you can:
- Review Investment, Insurance & Retirement Solutions
- Locate the nearest ATM, worldwide
- Use our financial calculators
- Explore Personal and Business checking, savings & loan
products
- Apply for a checking, savings, CD, loan or line of credit product.
- Discover bank News
- E-mail us a question or comment (E-mail is not secure. Do not send personal or confidential information by e-mail.)
» back to top
Are KleiNet and Bill Pay secure and confidential?
We have taken extensive measures to ensure customers can access their account information securely and safely anytime, including through KleiNet, KleinLine, and ATMs. We have the systems and strategies in place to effectively manage any risks of doing business over the Web. These include:
- Firewalls - Firewalls are hardware
and software we use to prevent unauthorized Internet users from getting into
our internal networks.
- Usernames/Passwords - These allow us a constantly updated way to selectively allow customers and employees into our systems.
- Testing - We hire an outside company to actively try to break into our systems, using the most advanced hacking tools available. This ensures we have the most current systems and strategies in place to protect our customers and account information.
- Computer Use Policy – Klein
Financial has a clearly defined and enforceable internal computer use policy.
This important policy outlines the overriding rules under which all employees
must operate. It not only allows us to administer security; it gives us grounds
to reprimand employees who violate it.
- Encryption – All transactions
conducted on KleiNet and Bill Pay are encrypted using SSL technology. We
employ 128 bit SSL encryption that is the strongest encryption commercially
available today. VeriSign issues our SSL certificate, which is one of the
leaders in Internet security.
- Audit Trails and Access Logs - We keep track of both customers and employees' activity on our systems. This information can be monitored, especially in situations of potential violation.
- Intrusion Detection - We have hardware and software systems in place which detect if someone is trying to get in illegally.
- Contingency Plans - KleiNet has a solid contingency plan in place in the event we have a problem.
There are also things customers can do to help protect themselves as well. Never give out your Access ID and Password to anyone or write it down and identify it as your password. Never use an obvious password or a password that could be easily guessed, such as the name of your spouse or your street address. Also, it is important to remember to log off of KleiNet once you have completed your session. If there has been no activity for 10 minutes, your session will automatically terminate as an additional security measure. You will not receive any warning of this session termination. If you wish to continue your online banking session, simply log on to KleiNet again.
» back to top
How do my Access ID and Password protect the security of my transactions?
One key part of our security system involves you directly: you must maintain the secrecy of your Access ID and Password. Never write your Password down in a way that someone could associate it with your Access ID. If you forget your Access ID or Password or think someone else may have access to it, contact KleiNet by email or at 877-KleiNet, or you may call your local bank during business hours.
» back to top
What if I think someone has illegally obtained my Access ID or Password?
If you think someone may have illegally obtained your Access ID or Password, immediately call KleiNet at 877- KleiNet Monday through Friday from 7 a.m. to 7 p.m., Saturday 7 a.m. to 2 p.m., or call your local bank during regular business hours.
» back to top
PassMark: Multifactor Authentication
Has my password changed?
No. You can still use your current password for logging in to Internet banking.
» back to top
How do I enroll for PassMark?
Customers will automatically be prompted to the enrollment screen when they log in to Internet banking.
PassMark is very easy to use. Just follow the instructions provided to learn how to activate and how to log in to Internet banking.
View sample of the Online Education Center at the end of this presentation.
» back to top
How does PassMark work?
PassMark verifies your identity in two ways. Every time you log in to Internet banking the bank identifies you, and it lets you identify the bank using a secret image and pass phrase.
» back to top
Why do we need PassMark?
With PassMark, we're adding another layer of security to protect our customers' information and thier online banking accounts.
PassMark also guards against ever-increasing e-mail scams called phishing and pharming.
» back to top
If someone steals my Password, will PassMark prevent them from accessing my account?
Yes. If an unauthorized person tries to log in to your account from another computer, they will be asked one of your challenge questions (or we instantly e-mail a temporary password to your personal e-mail account). Without this additional personal information they will not be able to log in to your account.
» back to top
What keeps someone from stealing my PassMark image and pass phrase?
Your PassMark image and pass phrase automatically appear only if you log in from a computer we already recognize as yours. If you log in from a different computer, we will ask one of your challenge questions before showing the image (or e-mail a temporary password to your e-mail account).
» back to top
How do I know I'm at the valid Internet banking site?
Your secret PassMark image and text phrase will appear confirming that you're at the bank's legitimate Web site.
» back to top
How do you know that I'm logging in from my own computer?
When you enroll, PassMark uses a cookie to identify your computer.
Each time you log in, our software identifies your computer, your IP address, and other unique identities. The cookie is secure and does not cintain any personal information.
» back to top
If I delete cookies, will I have to register the computer again?
Not necessarily. If you have Adobe® Flash® Player installed on your computer, we will use Flash shared objects to identify your computer in the event that we can't identify your cookies. By using Flash shared objects as a backup method for recognizing you as a valid user, we ensure that your log in experience is as quick and convenient as possible.
» back to top
Can I access Internet banking from multiple computers?
Yes, you can access Internet banking from any number of computers. If you log in from a computer that you haven't used for Internet banking before, you just need to answer one of your challenge questions to verify that it's you (or we will instantly e-mail you a temporary password). You can register as many PCs as you like.
» back to top
I share my computer with someone who also uses Internet banking. Can both of us still log in from this computer?
Yes. There's no limit to how many people can log in to Internet banking from the same computer.
Remember not to share your User ID, Password, or answers to your challenge questions.
» back to top
Can I change my PassMark image, text phrase, and challenge questions (or e-mail address)?
Yes, after logging in, select OPTIONS, then CHANGE CHALLENGE INFORMATION.
SAFETY TIP: Our financial institution will never ask you to change your PassMark information, and we will never change it for you.
» back to top
Is there a fee for using the PassMark service?
PassMark is free. It's just one more way we're working with you to safeguard your privacy and security.
» back to top |
