FAQs

You may experience issues with Internet Banking. If this occurs, please download one of the browsers listed and attempt the action again.

We do not recommend using a Beta version of any browser. When new versions of browsers are fully tested and deemed compatible with the NetConnect, they will be updated on the supported browsers list.

Embedded Browsers contained within Personal or Commercial Financial Management Software (Quicken, Quickbooks, Money, etc.)
Browser Add-Ins and Toolbars (IE 7 Pro, Google, Yahoo, etc.)

Cash Management is a business online banking solution that can literally change the way you work. Gain even more control over your business accounts. Manage your funds more effectively. Operate more efficiently. Add users at your company while controlling the functions and accounts they access. And with Cash Management, you have the flexibility to pick and choose the services you need most.

Positive Pay allows us to work together to identify potential check fraud. Whenever you issue checks, you send us a file containing the check numbers and amounts. As these checks clear, we match your file against the incoming checks. Any discrepancy in amount or serial number is identified as suspect, and we notify you via the Cash Management system. Then you can make the decision either to pay the check or return it.

ACH Origination allows you to initiate credits and debits using the Automated Clearing House network. Collect payments sooner, better manage payments to take advantage of discounts or payment terms, eliminate trips to the bank, and instantly access important financial information. Use ACH to:

What is Remote Deposit Capture?
Remote Deposit Capture (RDC) is a time saving and efficient way to scan checks and electronically deposit those items to your business account without ever leaving your office. Key features and benefits of Remote Deposit Capture (RDC) are:

With Funds or Wire Transfers, you can electronically initiate domestic wire transfer of funds for same-day payments or to quickly move funds from one bank to another. Create a template and store wire transfer instructions for recurring transfers.

What do Cash Management Services cost?

For Cash Management, there is a one-time $50.00 installation fee and a monthly fee of $30. Additionally, Bill Payments are $.50 each. Positive Pay is $10.00 per month and $1 per upload. ACH Origination is $10.00 per month and $.16 per item. Remote Deposit Capture is $10 per month and users have the option of purchasing or leasing a scanner. Domestic Wire Transfers are $10.00 each. On-site visits are $25.00 per hour.

Where can I enroll in Cash Management?

To enroll/apply for Cash Management, please contact a Personal Banker at any of our locations or your Commercial Lender.

We have extremely high criteria to protect the security of your banking information online, including:

Internet security is an ongoing process. We constantly work to provide security enhancements to ensure the integrity of our NetConnect Online Banking system.

Online Banking uses several different methods to protect your information:

If you forget your NetConnect login ID, call our Customer Service Call Center at (314) 428-1059 or (636) 939-3495 ext. 3025. The Call Center is available Monday through Friday from 8:30 a.m. to 5:00 p.m. (CST) and Saturday from 9:00 a.m. to Noon.

If you have created a Personal Question & Answer and registered your current email address, you have the ability to reset your password yourself. If you have not done this, stop by any branch or call our Customer Service Call Center at (314) 428-1059 or (636) 939-3495 ext. 3025. The Call Center is available Monday through Friday from 8:30 a.m. to 5:00 p.m. (CST) and Saturday from 9:00 a.m. to Noon. We'll ask some questions for verification purposes and assign you a new temporary password.

We strongly encourage you to set up Event Alerts. These alerts, which you set up, will inform you when important transactions have occurred on your accounts.

When your business is set up for NetConnect, you will only receive one Login ID and Password for all authorized signers. If you choose to share this with authorized signers on your account, they will be able to perform all Online Banking functions.

You can view your St. Johns Bank Checking, Savings, and Money Market accounts, as well as your CDs, loans, lines of credit, and safe deposit boxes. If you are a business owner operating as a sole proprietorship, you will be able to see your personal and business accounts together.

Yes. If you're a business owner, simply enroll in NetConnect Online Banking for Business Accounts.

Protecting the privacy and security of your confidential financial information is a top priority. Online Banking uses state-of-the-art security levels with end-to-end encryption. Like an ATM "PIN", your accounts are protected with a password which you should not write down or disclose to anyone. To gain a greater level of protection, we recommend changing your Password on a regular basis. Only you should know your private Password, so you can be confident that your data is secure. Your Password is NOT known to your Internet service provider or to St. Johns Bank.

Since NetConnect is a real-time application, your account information (Current Balance and Available Funds) can change throughout the day based on the activity on your accounts.

Both checks and statements are available in NetConnect. To view a copy of a check or deposit ticket, from the Account Listing menu, simply click on the "View Image" link next to the item you wish to see. Once the image has loaded, you will have the option to Flip and Rotate the image as well. To view a bank statement, select the "Statements" menu and then select "View Details" for the statement you wish to see. You will have the option of viewing the statement as a PDF, HTML, or text format.

You can transfer funds between any of your St. Johns Bank checking and savings accounts. You can also transfer money to a loan or line of credit, resulting in a payment.

NetConnect does not limit the number of transfers you can make, nor are there charges for those transfers. However, Federal Regulations limit the number of withdrawals and transfers on certain types of savings accounts and money market accounts. If you are unsure about the transaction restrictions on your accounts, please check with us by calling our Customer Service Call Center at (314) 428-1059 or (636) 939-3495 ext. 3025. The Call Center is available Monday through Friday from 8:30 a.m. to 5:00 p.m. (CST) and Saturday from 9:00 a.m. to Noon.

Transfers entered before the cut-off time of 5:00 p.m. Central Standard Time (CST) on a bank business day are processed on the same bank business day. Transfers entered after the cut-off time or on a non-bank business day are processed on the next bank business day.

You may create one-time transfers that occur now or in the future. You can also create recurring transfers that occur on a weekly, bi-weekly, semi-monthly, or monthly basis.