What do I need to be able to use Callaway Bank OnLine? 
May I preview Callaway Bank OnLine before I enroll?
How secure is Callaway Bank OnLine? 
How do I sign up for Callaway Bank OnLine? 
What are the fees involved? 
What accounts may I access through Callaway Bank OnLine? 
When may I use Callaway Bank OnLine?
Can I transfer funds from my accounts at The Callaway Bank to another financial institution? 
What is bill payment, and how do I sign up?
Once I set up a bill payment, how can I be sure it has been submitted to the bank for payment? 
How long does it take before my payee (vendor) receives payment? 
Can I cancel a bill payment? 
I've been notified a vendor's address has changed, can I change it on my vendor list?
Can I export my account information? 
Can I change my Access ID and Password? 
What is PassMark?
How do I enroll for PassMark?
If someone steals my password, will PassMark prevent them from accessing my account?
What keeps someone from stealing my private image and pass phrase?
How do I know I'm at the valid Callaway Bank OnLine site?
Can I access OnLine banking from multiple computers?
Can I change my PassMark image, pass phrase, and challenge questions?
What happens if I forget my password or get locked out of the system? 
If I have additional questions, whom do I contact?

Q: What do I need to be able to use Callaway Bank OnLine? 
A: You need an eligible account at The Callaway Bank. This could be a checking, savings, CD, or loan. You need internet access provided by an ISP (Internet Service Provider) from home, school, work, the library, or anywhere else. You will need a secure version of browser software - we recommend Microsoft Internet Explorer 4.0 or higher, or Netscape Navigator 4.0 or higher, with 128-bit encryption enabled. The 128-bit encryption provides added security when conducting financial transactions on the Internet, and we've made that our standard. If you aren't sure you have the right browser software, contact your ISP for help. For the best view, set your screen resolution to 800 x 600 pixels.

Q: May I preview Callaway Bank OnLine before I enroll? 
A: Sure, click the Demo button.

Q: How secure is Callaway Bank OnLine?
A: Callaway Bank OnLine is very secure. We use the latest industry-approved security technologies to protect your information, including password-controlled system entry, a digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, a firewall to control the traffic coming in and going out of our system, and multifactor authentication. Additional information is available on our web site under "Security Statement".

Q: How do I sign up for Callaway Bank OnLine? 
A: If you have an eligible account, click on Enroll OnLine. You will be asked to read and agree to our license agreement, and if you do, you will continue to the next page where we ask you to submit personal information about yourself and one of your accounts. You can also choose to enroll in bill pay services. Once you submit this information, we will randomly assign you an Access ID and Password, and these will be sent to you under separate cover along with a help guide. Once you receive both your Access ID and Password, you may return to the website and Log In. The first time you Log In you will be prompted to change both your Access ID and Password to one of your own choosing. You will also be required to choose a secret image, pass phrase and answer some challenge questions for an extra layer of security.

Q: What are the fees involved?
A: The fees for Callaway Bank OnLine are:

• Access to account balances, history, transfers    FREE!
• Bill Payment Service — FREE!

Q: What accounts may I access through Callaway Bank OnLine?
A: When you enroll, we automatically give you online access to your checking, savings, CD's, loans, and safe deposit box. You may only access the accounts you own, so it's important to keep your login information private. If there are other accounts you own that don't show up on Callaway Bank OnLine, contact us to see if they may be made available to you online. We allow transfers between your own accounts, but reserve the right to limit transfers on some types of accounts.

Q: When may I use Callaway Bank OnLine?
A: Anytime you want! 24 hours a day, 7 days a week. There may be infrequent times when CBOL is unavailable due to system upgrades, but we'll let you know with a notice on our website.

Q: Can I transfer funds from my accounts at The Callaway Bank to another financial institution?
A: No.

Q: What is bill payment, and how do I sign up?
A: You can pay your bills via the Internet without writing out checks or going to the post office. We write the checks for you! You can even set up payments to occur in the future or to be made as recurring payments (i.e. every month, every week, or every two weeks). So no more worrying about paying bills while you're on vacation, or forgetting to mail a payment! You can sign up for bill payment service during the enrollment process by saying YES on the "bill payment flag". If you would like to add bill payment after you've already enrolled, just contact us and we'll add the service to your account. And because we think you'll like it, we encourage you to try it.

Q: Once I set up a bill payment, how can I be sure it has been submitted to the bank for payment?
A: You create the vendors you want to pay, and they will show up in your payments list for up to 13 months. When you want to pay a vendor click on the name, then enter the amount, date, and frequency of the payment you wish to make. Click "Update" to save your changes. The next payment date and amount will appear next to the vendor's name in your list, so you can verify accuracy. Another way to make sure you've submitted a payment correctly is to view your account statement after 10:00 pm CST on the payment date, where you'll see it deducted from your account.

Q: How long does it take before my payee (vendor) receives payment?
A: The money for the bill payment will be debited from your account the business day you specify when you create the payment. We ask that you allow 8-10 business days for the payment to arrive, but we cannot guarantee when the payment will arrive. In most cases payment will be made by paper draft and mailed, which involves the postal service and the payee's processing procedures.

Q: Can I cancel a bill payment? 
A: Yes, you may cancel a bill payment online up to 6:00 pm CST on the payment date, with no stop payment fee assessed. Click on the vendor, change the amount to zero, change the frequency to "on demand", and change all three date fields to be blank, then update. The next payment date and amount should show as zero or blank on the vendor list, if so, you know you have successfully cancelled the payment. If you want to cancel a payment after the online cutoff time of 6:00 pm CST, you should contact us as soon as possible. We will determine if the payment can be stopped, and if it can, we'll ask you to put your request in writing, and we'll assess a stop payment fee.

Q: I've been notified a vendor's address has changed, can I change it on my vendor list?
A: Unfortunately, after you create the vendor you are unable to change information about the vendor. So, if you need to change a vendor's name or address or your account number with them, you should create a new vendor with the correct information.

Q: Can I export my account information?
A: Yes. You can export transaction information in a choice of formats, to be used by such programs as Microsoft Money or Quicken. Check your software's documentation to determine which format is appropriate. 

Q: Can I change my Access ID and Password?
A: Yes. The first time you Log In you are asked to change both your Access ID and Password to one of your own choosing. The Access ID must be at least six characters long. The Password must be between 8 and 12 characters, and must contain at least four numbers. Both are case sensitive. If you wish to change your Access ID subsequently, you may contact our Internet Banking Department for assistance. You may change your Password at any time by clicking "Change Password" at the top of the CBOL screen. You should change your password anytime you believe it has been compromised, and you should always keep it private. You will be required to change your password every six (6) months after your initial log in.

Q: What is PassMark?
A: The Callaway Bank is proud to deliver the highest level of security for our OnLine banking customers. We have an additional layer of security to our log in process called PassMark. This helps ensure that your information is secure, protecting you from fraud and identity theft.

Q: How do I enroll for PassMark?
A: Customers will automatically be prompted to the enrollment screen when they log in to OnLine banking for the first time.

Q: If someone steals my password, will PassMark prevent them from accessing my account?
A: Yes. If an unauthorized person tries to log in to your account from another computer, they will be asked one of your challenge questions. Without this additional personal information they will not be able to log in to your account.

Q: What keeps someone from stealing my private image and pass phrase?
A: Your private image and pass phrase automatically appear only if you log in from a computer we already recognize as yours. If you log in from a different computer, we will ask one of your challenge questions before showing the image.

Q: How do I know I'm at the valid Callaway Bank OnLine site?
A: Your secret image and text phrase will appear confirming that you're at The Callaway Bank legitimate website.

Q: Can I access OnLine banking from multiple computers?
A: Yes, you can access OnLine banking from any number of computers. If you log in from a computer that you haven't used for OnLine banking before, you just need to answer one of your challenge questions to verify that it's you. You can register as many PCs as you like, but we encourage you to register only the PCs you routinely use, and not register public PCs.

Q: Can I change my PassMark image, pass phrase, and challenge questions?
A: Yes, after logging in, select OPTIONS, then CHANGE CHALLENGE INFORMATION.
SAFETY TIP: The Callaway Bank will never ask you to divulge or change your private information, and we will never change it for you.

Q: What happens if I forget my password or get locked out of the system?
A: We employ the "three strikes and you're out" method, so if you type your password incorrectly you may become locked out. Contact our Internet Banking Department at (573) 592-6352 during regular business hours Monday-Friday, and after proper identification we'll reset your access.

Q: If I have additional questions, whom do I contact?
A: Telephone the Internet Banking Department at (573) 592-6352 or e-mail us at ebanking@callawaybank.com.