Bank of Charles Town

E-Statements FAQs

E-Statements are just like your original paper statement(s) or notice(s) only emailed to you rather than delivered by U.S. Mail. The delivery method used is a ‘Push’ method meaning your statement(s)/notice(s) are emailed to you as a secure .pdf (Portable Document Format) attachment. Click here to view a sample E-Statement.

What is the fee to enroll for E-Statements?

There is no fee to enroll for E-Statements.

How do I enroll for E-Statements?

Sign in to NetTeller and click on “E-Statements” in the menu bar.
The next page will contain 4 steps to complete the enrollment.
The first step is automatically set to “All available documents for all active accounts”. Currently, BCT is only offering account statement(s) and Bounce Notices through E-Statements; more notices may be offered in the future.
The next step is to ensure your correct email address is entered in the space provided.
Next, you will enter your own personal security phrase. This phrase will display on all authentic email sent by the E-Statements server. If you receive an email that does not have your security phrase, or it is shown incorrectly, contact BCT immediately.
The fourth step is to read the disclosure. By agreeing to the disclosure, you agree that you are able to open the sample E-Statement from the link provided.
Finish the enrollment process by clicking Enroll Now.
You will receive a confirmation email containing your security phrase to let you know that you have been enrolled.

Will I receive my E-Statement faster than a mailed statement?

Yes. When your statement cycle ends, you will automatically be sent your E-Statement within 12 hours.

How long are my E-Statements viewable online?

Statements are stored for 60 days. However, you may download the file at any point during those 60 days and keep them as long as you wish.

Am I able to save or print my E-Statement once I receive it?

Yes. You are able to save or print your E-Statement at any time when you are viewing your statement.

Are E-Statements delivered in a secure manner?

Statement(s)/notice(s) are sent as a “shell” .pdf without customer data. Once the user logs into E-Statements, the ID and Password are authenticated and the data fills the PDF document. The data included in the statement(s)/notice(s) is streamed via a secure 128-bit SSL encryption. Your NetTeller ID and Password are your keys to E-Statements. E-Statements also utilizes a personal security phrase which identifies that the email being sent to you has originated from BCT. This will help safeguard you against unwanted Phishing attempts.

Do I have to have NetTeller to receive E-Statements?

Yes. If you do not currently have NetTeller, you can begin the enrollment process by clicking here or by contacting your most convenient BCT location. Like E-Statements, NetTeller is a free service offered by BCT.

What are the system requirements for E-Statements?

Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s). To download the latest version of Adobe Acrobat Reader®, click here. We also recommend that you use the latest browser version available that supports 128 bit SSL Encryption. You will need email access with at least 1MB of free space to receive your statement(s)/notice(s). If you are using a 'Spam Blocker' with your email program, be sure to add "BCT" to your list of acceptable contacts or "friends" list. Your statement(s)/notice(s) will be sent to the email address that’s on file with BCT. It is your responsibility to keep your email address updated with BCT.

Can I have my E-Statement emailed to someone else in addition to myself?

You have the option to have your statement(s)/notice(s) emailed to one additional recipient. It is your responsibility to maintain the ID, password, and email addresses for this additional recipient. You can also save your statement to a file on your computer and email it to whomever you choose. Please note that this method is not secure unless you have the ability to encrypt the file after it is saved to your hard drive.

Will I be able to see check images in my E-Statement?

Yes, you have the option to receive check images with your electronic statement.

Will I still receive my regular statement in the mail in addition to my E-Statement?

No. However, after enrollment, you will receive your next statement via both email and U.S. Mail. From that point forward you will only receive your statement electronically until you opt out of this service.

If I need to obtain a printed statement from BCT, what is the process?

Contact the BCT Call Center to request a paper copy of a statement for a fee of $5.00. The Call Center is available at 304.725.8431, Monday through Friday from 8:00 a.m. until 5:00 p.m and Saturdays 8:00 a.m. until Noon.

NetTeller FAQs

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What is Online NetTeller?

NetTeller allows our customers secure and convenient access to their accounts using the Internet anytime 24/7. Some of the functions available with NetTeller are:

View and print information on all accounts including loans. Review and print transactions and history.
Confirm Deposits, withdrawals and paid checks
Transfer funds between BCT accounts and make BCT loan payments
View and print images of paid checks
View and print monthly statements

How can I get NetTeller?

BCT customers can start the Internet Banking process by completing an online application or visit any branch location to complete the application.

How do I use NetTeller?

After you enter your NetTeller ID and Password on the first screen, your accounts and the balances in each account are listed. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu to the right of the account. Additional information is available in the NetTeller User Guide.

Does my Internet Browser require anything special?

Your Internet Browser must have 128 bit encryption and have the cookies enabled. If you are missing either of these items, you will not be able to access NetTeller.

Is NetTeller a secure online product?

Yes! NetTeller uses SSL (Secure Socket Layer) technology with 128 bit encryption. There is a 24/7 monitoring of the servers that run NetTeller. There is a yearly audit done on NetTeller as well as an FDIC (Federal Deposit Insurance Corp) and State Banking Commission audits. You can view more details on the Security webpage.

Can I view my check images online?

NetTeller gives you the ability to view and print your check images online. You just click on the check number and you will see the image of your check. You can even “flip” the check to look at the reverse side for endorsement information.

What happens if I forget my NetTeller ID or Password?

Call our Call Center at (304) 725-8431 or if out of local calling area (800) 296-8431 Monday through Friday from 8:00 a.m. until 5:00 p.m and Saturdays 8:00 a.m. until Noon and they will reset your login information.

What happens if I don’t log off the system?

NetTeller has a 10 minute time-out feature. If you are logged into the system and you do not make any key stokes for 10 consecutive minutes the system will log you out and you will need to log in again to resume your session.

What happens if I get locked out of my NetTeller account?

You only get 3 attempts to log into your account. If you are unsuccessful on all three attempts you will get a message indicating that you have been locked out. You can get unlocked by calling our Call Center Center at (304) 725-8431 or if out of local calling area (800) 296-8431 Monday through Friday from 8:00 a.m. until 5:00 p.m and Saturdays 8:00 a.m. until Noon. Your Password will be reset back to the default last four digits of your Social Security Number. You will be prompted to change the Password when you login the next time.

What happens if I get an error message?

If you get an error message please note the error message and error number along with the time. Then simply contact the bank at (304) 725-8431 or if out of local calling area (800) 296-8431 and report the error to a Customer Service Representative. BCT will make every effort to resolve the error as soon as possible.

When will transfers show in my account?

A transfer will show up immediately in your account if you set up the transfer to occur immediately. If you future date a transfer it will show in the account on the day you indicated for the transfer to take place.

What is the cut off time for transactions made through NetTeller?

The transfer cut-off time for current day’s business is 6:00PM, Monday through Friday. Any transfers made after this time will be considered “Next Day’s Business”.

How do I add or delete accounts to my existing NetTeller relationship?

Contact us at (304) 725-8431 or if out of local calling area (800) 296-8431 to add or remove accounts from your NetTeller account. You must be an authorized signor on an account to have it added for access through NetTeller.

Does my spouse need his or her own ID and Password?

No. Only one ID and Password is created per NetTeller account. Your spouse can request their own ID and Password for access to NetTeller.

How much history can I see online?

You have the ability to view 3 months of current history. Statements are saved for 6 months starting from the month you opened your NetTeller account. If you need information further back than viewable through NetTeller, please contact us at (304) 725-8431 or if out of local calling area (800) 296-8431.

What formats/programs can I download transactions in?

You can download transactions from NetTeller into the following formats: Microsoft® Money (.ofx); Intuit® QuickBooks (.iif); Standard Personal Finance (.qif); Spreadsheet (.csv); Word Processing (.txt).

How much does NetTeller cost?

Nada, Zilch, BigZipO. That’s right NetTeller is free!

BillPay FAQs

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Can I sign up for BillPay and not have NetTeller?

No. BillPay works in conjunction with NetTeller. You need NetTeller in order to use BillPay.

How are bill payments processed?

Payments are either made by drafts from your account or electronically.

How do I know if a payee is electronic or draft?

When you select the option to set up a payee you first search our electronic database to see if the payee will accept an electronic payment. If they will not accept an electronic payment you can then elect to set them up to receive a draft for the payment. If at a later date you find out that your payee is accepting electronic payments you can change your payees payment method.

Who can I pay with BillPay?

You can pay anyone in the United States, from your next door neighbor to the utility company. The only restriction is that you can not make payment to any government agencies.

How late in the day can I enter, edit or delete payments?

Payments are processed at 2:00AM and 12:00PM (noon) daily Sunday through Friday. You may edit or delete any scheduled payment prior to the processing times. You may enter a new payment at anytime.

What is the minimum payment amount that can be scheduled?

Your checking account must have available funds to cover any and all scheduled check or electronic payments.

How far in advance can I schedule a payment?

We recommend setting payments no longer than 90 days prior to payment date but payments can be set up even further in advance.

Can I stop payment on a BillPayment?

Yes, you may place a stop payment on any check or electronic payment that you have issued that has not been paid against your account. There is a fee for a stop payment request. Please contact our Customer Service Center at (304) 725-8431 or if out of local calling area (800) 296-8431 for further assistance.

On the Payment history page, what does the “Status” field indicate?

One of the following statuses will be shown: Processed – The payment has been processed and sent. Rejected – The payment that you have tried sending has been rejected by Princeton e-Com. Communication Failure – There was an error due to communications problems, the payment was not processed or sent. Vendor Refund – The payee you sent the payment to has rejected the payment.

Can I edit payee addresses?

No. You will have to set them up as a new payee and delete the old payee record.

Can I have multiple payments to the same payee on the same day?

At this time there is nothing that checks for multiple payments for the same payee. So you may make multiple payments to the same payee on the same day.

Confirmation Numbers – Are they important?

Yes. A confirmation number will be assigned to each bill payment at the time you submit your request. We suggest that you write these numbers down for future reference. They help us resolve any questions and expedite any request you may have about your BillPay transactions.

How much does BillPay cost?

Nada, Zilch, BigZipO. That’s right BillPay is free.

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