Online Banking Faqs - Answered

Welcome to Bank of South Texas Online Banking FAQs. Get straightforward answers to common questions about online banking. Learn about account security, mobile app usage, and more for a hassle-free digital banking experience. Let's get started!

1. How do I enroll in online banking?

There are two ways of enrolling in the Bank of South Texas online banking service. One is by submitting your application online through the website. Upon verification, you'd have to provide the necessary details and get an online account.

The second way is by visiting your nearest Bank of South Texas branch. You'd be asked to submit an application form. You'll receive the credentials to start using our online banking service in a few days. In case you need assistance, contact one of our representatives.

2. Are there any working hours for online banking?

No, our online banking service is available 24/7 over the Internet. You can access your account any time of the day and enjoy the services. However, there are times when our system undergoes scheduled maintenance. This is done periodically to remove bugs and make the online system more resilient.

During those hours, the service will remain unavailable. We will inform you of these hours at least 1-2 days prior so you can stay prepared. Besides that, expect online banking to remain available 24/7.

3. Can I access online banking from my mobile phone?

Yes. You can access online banking from your mobile phone. You can either log in from your mobile browser or use the app. For using the app, you will be required to generate further credentials, which will be provided upon request.

However, there are restrictions on which mobiles are supported. It's recommended that you use mobiles not older than 2010 to access the online service. Such mobile phones lack security measures and may not support all functionalities.

4. Is my personal information secure?

Yes, your personal information is fully secure with the Bank of South Texas. We employ robust security measures, including end-to-end encryption and multi-factor authentication, to safeguard your information. Our systems are upgraded at set intervals to keep up with the latest cybersecurity measures and regulatory compliance.

It's also important that you follow the advised security protocols to keep your account protected. Rest assured, your online banking experience is not only convenient but also secure.

5. What if I forgot my password?

If you forget your account password, you can simply generate a new one. This can be done through the website or by visiting the nearest branch. On the login page, click the 'Forgot Password' or 'Reset Password' option and follow the instructions.

Our system will require you to verify yourself either through a one-time password or an automated call to your cell phone. Upon verification, you'll receive a new password for your account. Generating passwords shouldn't take more than a few minutes in most cases.

6. What are the fees for using online banking?

There's a small quarterly or yearly fee charged for enjoying online banking services. You'll get the exact fees upon creating the online account. This amount will be deducted automatically once every year or at set intervals.

Besides that, you'll have to pay the applicable fees for availing certain benefits, but not all. It's recommended that you speak to one of the bank representatives to get information on fees and charges.

7. How quickly are transactions processed?

Transactions are processed in real-time, providing immediate updates on your account activity and balances. The funds will be deducted immediately from your account and will be reflected in the beneficiary's account within a few hours.

However, it may take more time in rare circumstances. Rest assured, the online service is speedier and more convenient than walking into the bank and filling out the forms.

8. Can I access or download my transaction history?

You can access your transaction history under the 'My Transactions' section. Select the time frame for which you want to get the details. Our systems can generate years-old transaction history. Or, you can get a quick statement detailing your latest transactions. There's an option to download the statement in PDF format for later review.

However, in rare events, this service may not be available temporarily. Check back in a few hours if that's the case.

9. Can I enable multiple users for my online banking account?

It's recommended that you have one user for one account. Multiple users or account sharing puts your account at risk. You can create multiple online banking accounts for multiple users. In case you have joint accounts, separate login credentials will be mailed to each user. This helps to keep the online account safe.

10. How can I contact customer support for online banking assistance?

You can contact customer support through the website. You do not necessarily have to log into your account. Head over to the website and click the 'Contact' button at the top. You'll see the list of phone and fax numbers for the respective branches. Or you can send an email through the form. You should receive a response within 24 hours. This could take longer if it's a federal or state holiday.

11. How do I update my email address associated with online banking?

To update your email address, you'd have to log into your account and provide a new email address in the 'Account Details' section. Provide your new email, verify it, and you can start using the new email for online banking needs.

If that's impossible, you can contact the nearest branch and request to update the email address. It should take a few hours to get the email address updated.

12. Can I use online banking for business purposes?

Yes, you can use online banking for business purposes if you hold accounts linked to a business. You can request online banking services under those same accounts and enjoy benefits through the website or app. Once enabled, you can request our corporate services like SBA loans, apartment lending, credit cards, etc.

Contact the nearest branch or the account manager for more details on how to set up online banking for your business.

13. Can I get loans through the online banking app?

Yes, you can secure both personal and business loans through the online banking app. You can log into the account and request loans under the appropriate section. You might be asked to submit an online form.

Upon verification, which may require visiting the nearest branch, you will receive the loan amount directly in your account. The details regarding interest and repayments will also be mailed to your email for your convenience.

14. Can I use public Wi-Fi for online banking transactions?

It's usually not recommended to use public Wi-Fi for online banking transactions. Such Wi-Fi ports remain vulnerable to hacking and cyber-attacks. It's preferred that you use your personal Wi-Fi or cellular network to access online banking services.

However, it's not a given that using public Wi-Fi will lead to your account being compromised. Our systems detect unusual behavior to protect the account. If detected, the account will be frozen for a certain time.

15. Can the Bank of South Texas suspend my online banking account?

Bank of South Texas will never suspend your online banking account. You can access your account from anywhere, at any time of the day. However, if we violate our terms and conditions, we may temporarily withhold or freeze your account. To unlock your account, you must visit the nearest branch and complete the formalities. But rest assured, your account will not be suspended unless there's a breach.

Have any queries? Contact us today to learn more.