| Experience
the freedom of Internet Banking! |
 |
MidAmerica National Bank's Internet Banking service lets you transfer funds, pay bills, check balances, view check images and review transaction histories from virtually anywhere, 24 hours a day. To apply, fill out our Internet Banking Application, drop off or mail back the signed application and we'll send back registration instructions.
Have
questions on Internet Banking & Bill Pay? Try our Internet
Banking FAQ's
Having
Technical Difficulties? Try our Support FAQ's
Want to learn more about Check Imaging? Check out our
Check Imaging FAQ's
Internet
Banking & Bill Pay FAQ's
Q.
What is Internet Banking?
A. Internet Banking is a product that allows you access to all
of your MidAmerica National Bank accounts through this secure website
on the Internet. You can view your checking and savings account statements,
available balances, loan balances and much more. You can make transfers
between accounts, including making loan payments. With Check
Imaging you can view and print the front and back of your checks
for research and legal proof of payment. And with our Bill Payment option,
you can even pay anyone from the comfort of your computer.
Q. How much does Internet Banking cost?
A. Nothing! Internet Banking and Web Bill Pay are absolutely free.
And the best part of all is that Web Bill Pay will free you from the cost
of stamps. To see our special options for Business Customers, Click
Here.
Q. How can I connect to Internet Banking?
A. In order to connect to Internet Banking you will need to complete
the Internet
Banking Application. There is an additional application
for the Bill Payment option, which is available online after you have
obtained account access.
Q. When can I connect to Internet Banking?
A. You may apply for Internet Banking anytime. Once we receive
your signed enrollment form, you will have access to your account no later
than three business days. You will then have access to your accounts 24
hours a day, 7 days a week.
Q. What do I need to connect to Internet Banking?
A. You ONLY need 4 things to access Internet Banking: 1.) Internet
access, 2.) Our web address: www.midnatbank.com,
3.) Your Social Security Number, and 4.) Your password.
Q. Where do I have to be to connect to Internet Banking?
A. You may be anywhere in the world with Internet access.
Q. Why would Internet Banking be a good choice for
me?
A. Internet Banking and Bill Pay allows for easy access to all
of your important account information. It allows you to manage your account
balances, view checks, and to pay anyone very quickly. Paying bills is
almost fun!
Q. What about security?
A. Security is VERY important to MidAmerica National Bank. Customer
information is held behind secure gateways and firewalls. When viewing
your information you will be able to see it behind the latest SSL technology.
Information is also sent encrypted to us. Security, however, is a customer's
responsibility as well. It is important that you trust your Internet access
device (this means that you only open trusted e-mails and that you keep
your anti-virus updated). Do not share your password with anyone.
Q. What about my privacy?
A. Privacy is VERY important to MidAmerica National Bank. We collect,
retain and use individual customer information ONLY when we reasonably
believe it would be useful, and allowable by law, to administer to your
business needs in providing products, services and other opportunities
to our customers. For more information please see our Privacy
Policy.
Q. How does the Bill Payment feature work?
A. Through our secure website, you authorize our third party bill
pay processor to electronically debit your checking account the day you
selected the payment to be processed and forward the payment amount to
the payee. M & I sends the payment to the payee either electronically
or by check. If sent electronically, the payment may take up to 3 business
days to be paid and if sent by check, the payment may take up to 5 business
days to reach the payee.
Q. How does the Check Imaging feature work?
A. With Check Imaging on Internet Banking you can view and print
the front and back of your checks online. To see a check simply click
on the check number while viewing your transaction history.
Q. How long are my online statements available?
A. You will have access to your current and your previous statement
cycle. Bill payment history is available for 13 months.
Q. Can I view my check and ATM/Debit card transactions
online?
A. Yes, you can view where you used it and the amount.
Q. Can I export to Microsoft Money or Quicken?
A. Yes, you may export account register information into Microsoft
Money or Quicken.
I am
having problems signing on for the first time. How many passwords should
I have?
If I open a new account with MidAmerica National Bank do
I have immediate access to the Internet?
Are there any limits on how much I can transfer at one time
over the Internet?
Is there any way someone could access my account information
by having Internet access?
Q. I am having problems signing on for the first time.
How many passwords should I have?
A. You will have two sets of passwords for your initial sign on.
The passwords are case sensitive, so be sure to enter them exactly as
they are on your sheet.
Q. If I open a new account with MidAmerica National
Bank do I have immediate access to the Internet?
A. No, you will have to fill out an application so your account
can be set up for Internet access and your initial passwords set up.
Q. Are there any limits on how much I can transfer
at one time over the Internet?
A. Yes there is a maximum limit on your application, you are asked
to pick the dollar amount. We will then set your limit to what you have
asked it to be set at. It will not let you transfer more than that limit
at one time, however, you may go back in and transfer as many times as
you would like.
Q. Is there any way someone could access my account
information by having Internet access?
A. No, the information is secured and you will have your own password.
You do have to enter the password each time you sign on. If entered incorrectly
4x's, you will be locked out and have to contact an Account
Service Representative.
It's the latest in banking convenience and it is available at no additional cost! Instead of getting the old bulky envelope full of cancelled checks, you'll receive your regular statement plus crisp laser images printed to fit on 8 ½" x 11" sheets. Now you will have easy access to your checks and monthly statements, organized in a FREE MidAmerica National Bank three ring binder.
Check Imaging Frequently Asked Questions
Q.
What are the advantages of Check imaging?
A.
With check imaging your record keeping and balancing will be simplified.
Although your monthly statement will remain the same, your new check images
will be easier to read and they will be provided to you in numerical order,
eliminating the need to sort checks before balancing your checkbook.
Storage is much more convenient. Your statements will be pre-punched for insertion into a three ring binder we will provide to you at no charge.
Quick reference becomes easy. In addition to being in numerical order, below each check image will be the date the bank processed the check, check number, and dollar amount. No more digging through loose checks in a shoebox!
Q.
What
if I would like to get my checks back?
A.
You will be receiving all your checks back, just in a different format.
We are still returning your checks to you; they are just printed on different
paper. If you have used a check for proof of payment in the past, you
probably sent a copy of the check and not the actual check itself. Plus
the IRS and the Federal Court System both accept this new technology as
proof of payment.
Q.
What
if I need to see the back of a check?
A.
The backs of the checks have not been included in order to streamline
the statement. However, if you should ever need an image of the back of
your check for proof of payment, it can be available almost immediately
by fax, mail, or pick up at the bank.
Also, you may see the front and back of checks from your current and previous statement cycle free of charge with Internet Banking.
Q.
What
if I have trouble reading the checks because they are too small, can you
help?
A.
We can offer some flexibility to help customize your check images statement
to meet your needs. We understand you may have individual requirements
and we encourage you to work with our personal bankers who are ready to
help you decide what is right for you.
Q.
Will this service raise my fees?
A.
No! Check Imaging is an efficient process that will drastically improve
retrieval time and research is immediate. Check Imaging enhances our customer
service to make your banking experience with us easier and more convenient.
Q.
Is
this really legal proof of payment?
A.
We can give you a copy of the IRS ruling that proves the IRS accepts check
images as legal proof of purchase. The Best Evidence Rule has been in
effect for years, which says an item can serve as evidence in every way,
exactly as if it were the original item, when it is provided by a bank
and obtained from the original document.