Q: What is Online Banking?
A: Online Banking provides Rabobank, N.A., (the Bank), customers with Internet access to checking, savings, time deposit and loan accounts, in real time, 24 hours a day, 7 days a week.
Personal Online Banking features include account balances, transaction details, check reorders, funds transfers, bill payments, stop payments and the ability to download your account data to Quicken and Microsoft Money.
Q: What can Online Banking do?
A: Depending on the type of account, customers may have access to the following functions:
Q: What is required to access Online Banking from my PC?
A: Minimum personal computer requirements include:
| PC - Windows 98/ME/2000/XP | |
| Internet Explorer | 5.5 or higher |
| Netscape | 4.79, 6.2.1, 7.0.x |
| Firefox | 1.0.6, 1.5.0.4 |
| Mac - OS9/X* | |
| Internet Explorer | 5.2.3 |
| Netscape | 4.79#, 6.2.1, 7.0.x |
| Firefox | 1.0.6, 1.5.0.4 |
*Mac users will not be able to use Quicken and Money downloads
# Mac OS 9 only
Q: Is Online Banking secure?
A: The latest in Internet security and user authentication is employed so that data being transmitted through the Online Banking system is protected from unauthorized access. The following outlines the methods in place to secure your privacy.
Digital IDs from Verisign
The Online Banking system uses digital ID's certified by Verisign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system. The Online Banking system, combined with digital ID authentication through Verisign, allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications.
Firewalls
Server access is protected using a firewall system and the leading firewall software. Firewalls provide secure access to the web server and its software by only allowing authorized traffic through to the server.
What You Can Do
Obtaining personal firewall protection is recommended for bank customers that use high-speed internet connections, such as DSL or cable. Such computers are more vulnerable to potential hackers. Ensure that you have anti-virus software installed and updated regularly.
Electronic Mail
Public email transmissions are not secure. We request that you do not send us or ask for personal, confidential or sensitive information via any general or public email system. You will find secure email capabilities within the Online Banking Message Center.
Q: What types of accounts can I access?
A: To use Online Banking, customers must have at least one deposit account with the Bank which may include the following types of accounts; Checking, Savings, Loan or a Certificate of Deposit. Accounts with certain restrictions, such as requiring two signatures, cannot be accessed through Online Banking.
Q: Can I access my accounts anytime and from more than one location?
A: You may use the Online Banking services virtually anytime and from anywhere that you have Internet access. However, given the unique nature of the Internet, the bank web site may be inaccessible from time to time for business or technical reasons. If the Online Banking system is ever temporarily unavailable, you can call InfoLine, the Bank's touch-tone banking service. Detailed account information, funds transfers, stop payment requests and check reorders are available by calling (800) 942-6222.
Q: What are the guidelines for selecting my Password?
A: Except for the temporary password issued when you enroll, your password will never be known to bank personnel. The first time you log into the system, you will enter your Login ID and Temporary Password. You will then be prompted to choose a permanent password. You are encouraged to change your password periodically. The following guidelines apply to selecting your password:
Q: How do I change my password?
A: Follow the steps below to change your Online Banking password:
Sign on.
Click on the Prefs link at the top of the screen.
Choose Change Password in the Preference Options section.
Q: How do I change my Login ID?
A: Follow the steps below to change your Online Banking Login ID:
Sign on.
Click on the Prefs link at the top of the screen.
Choose Change Login ID in the Preference Options section.
Q: How frequently is my account information updated?
A: The Online Banking system gives you current account information in real time. Please Note: While real time balances are always available, certain same day transactions may not be available until the next day.
Q: What is a "Pending" or "Memo" transaction on my Account History?
A: The "Pending" or "Memo" sections reflect transactions that will be posted to your account on the current or next business day, depending on if the transaction was initiated before or after the current business day's cut-off time.
Q: What are the deadlines to have my transactions processed the same business day?
A: The following cutoff times pertain to specific Online Banking transactions according to Pacific Standard Time. Transactions received after the cutoff time or on a day that is not a Business Day will be processed the following Business Day.
Funds Transfers
REAL TIME PROCESSING. Transfers completed after 9:00 p.m. Pacific Time will be posted on the following business day.
Bill Payments
10:00 a.m. To ensure that payment is properly credited to your account prior to the payment due date, please allow at least five (5) business days from the current date for processing and delivering the payment. Remember to allow for weekends and holidays as you schedule payments.
Stop Payments
REAL TIME PROCESSING. Charges and stop payment will take effect immediately. Please refer to the Understanding Your Deposit Account Agreement and Disclosure brochure for additional information on Stop Payment requests.
Q: Can I initiate unlimited transfers between any of my accounts?
A: Transfers are permitted to and from your deposit accounts with us. Customers are responsible for confirming the accuracy of all transfers and should refer to the Bank's Understanding Your Deposit Account Agreement and Online Banking Disclosure for additional information. Transfers from Money Market and Savings accounts will count toward the total of six transfers or withdrawals allowed per month as outlined in the Understanding Your Deposit Account Agreement and Disclosures brochure.
Q: How does Online Banking Bill Payment work?
A: If you plan on using bill payment, we recommend that you view our Bill Payment Guide
Q: Who do I contact if I cannot access my accounts or have questions?
A: The Online Banking system includes extensive online Help contents that are located at the top of each screen. It will provide you with step-by-step instructions on the Online Banking features. Please keep in mind that the contents are very broad and that Online Banking features can and do change and may not be applicable to all users. Be sure to carefully read the Preferences Overview by clicking on the Help link at the top of the screen, then selecting Contents from the menu bar, then clicking on the Preferences Overview link. You may also view the Personal Online Banking Guide. Online Banking Customer Service is available during regular business hours by calling (800) 959-2399.
Public email transmissions may not be secure. We request that you do not send us or ask for personal, confidential or sensitive information via any general or public email system. You will find secure email capabilities within the Online Banking Message Center.
If you are unable to access the system you may send non-secure general Online Banking comments or inquiries to the Rabobank, N.A. eBanking Department, at ebanking@rabobank.com. We will respond to inquiries within one business day.
If the Online Banking system is ever temporarily unavailable, you can also call InfoLine, the Bank's touch-tone banking service. Detailed account information, funds transfers, stop payment requests and check reorders are available by calling (800) 942-6222.
Q: How much does Online Banking cost?
A: The terms, conditions and fees that have been separately disclosed to you in the Bank's Understanding Your Deposit Account Agreement & Disclosures and the Bank's Online Banking Agreement & Electronic Funds Act Disclosure will continue to apply to your account(s) and to your Online Banking service except as noted below:
PERSONAL BANKING
Access to Online Banking FREE
Bill Payment FREE*
SCHEDULE OF OTHER FEES AND CHARGES:
Bank Statement Copy Request $3.00 each
Check Copy Request (2 free copies per month) $2.50 each
Discounted Stop Payment Fee $15.00 each
Discounted Wire Transfer Fee $20.00 each
BILL PAYMENT OVERDRAFTS AND SPECIAL RE QUESTS PRICING:
Bill Payment returned for non-sufficient funds $22.00 each
Stop Payment placed on bill payment paper draft (with reissue) $20.00 each
Bill payment paper draft reissue $15.00 each
Overnight delivery of bill payment paper draft reissue $20.00 each
Copy of a bill payment paper draft $25.00 each
* This service is free from regular monthly service charges. Other charges may apply.
2008 Rabobank, N.A. - Member FDIC - 
Equal Housing Lender
Member FDIC and Equal Housing Lender are not applicable to Rabo AgriFinance or Rabobank International
