arvest online banking

standard chartered online banking services vary depending on which country you reside in. They currently offer services to personal customers in Bahrain, Bangladesh, Botswana, Brunei, Gambia, Ghana, Hong Kong, India, Indonesia, Jersey, Malaysia, Nigeria, Pakistan, Philippines, Qatar, Singapore, Sri Lanka, Taiwan, Tanzania, and Thailand. standard chartered online banking is recognized all over the world which can help when relocating to a new country, or when dealing with overseas business.

 Getting to you bank on time is a hassle for many people. Banks typically keep short opening hours, and the pressures of life often squeeze out the time you had set aside to visit your local branch. On the other side the reasons to visit a branch are being reduced all the time by the wide range of services that are now available through online banking. One example of a great online banking service is offered by Standard Chartered online banking.




Their Online Banking is a world class service and operates in a similar way to all respected financial institutions. They offer many services to everyday customers for personal financial requirements. From current accounts to various choices of standard chartered online banking credit card. It is also possible to apply for mortgages, personal and business loans. In addition the bank now provides institutional banking and treasury services.

Standard Chartered online banking credit cards are accepted all over the world enabling you to access your money no matter where you go. This is a great asset to frequent travellers. They also have a wide range of benefits associated with their different accounts, including travel insurance and discounts for trips, restaurants and shops. You may also apply for the free worldwide ATM card that is perfect for jet setters. This allows you to take out money without charging a single fee.

You apply and can be instantly approved for one of their plans which are carefully tailored to your needs and in accordance to the country you reside in. This can vary widely and they have a number of dedicated websites for each country that they have branches in. Direct online banking is extremely useful to help you manage your accounts. Having secured access via the internet means that you can be on the other side of the world and still make sure your bills are paid, and check your transactions on statements.

Add caption  huntington online banking

1. Features, Sign on, and Account Access 2. User ID and Password 3. Online Bill Payment 4. Transfers 5. Technical and Security Questions 6. System Availability 7. Fees

1. Features, Sign on, and Account Access

1.1 What features does this service offer? With Online Banking you can pay bills; transfer funds between Union Bank accounts; transfer funds from and to external bank accounts; and view your account balances, transactions, statements, paid checks, deposited checks, and deposit slips.  1.2 How do I get started? You may sign up for Online Banking today if you have a Union Bank checking, savings or a money market account or a Portfolio Connection® account. You can access Online Banking immediately with your debit or ATM card and PIN or your telephone banking PIN. Sign up now to get started huntington online banking.  1.3 If I don't have a Union Bank debit or ATM card, can I still sign up for Online Banking? Yes. You can also enroll with a telephone banking PIN which you can obtain at a branch. If you do not have a Union Bank debit or ATM card or a telephone banking PIN, you can still sign up for huntington online banking. After you have enrolled, we will mail a User ID and temporary password to you. 1.4 What is my password? Your Online Banking password is a combination of letters and numbers that you select. It is separate from your PIN. 1.5 Which accounts can I access with huntington online banking? Checking accounts Money market accounts Savings accounts Portfolio Connection accounts from UnionBanc Investment Services1, a subsidiary of Union Bank Time Deposits Individual Retirement Accounts Mortgages Consumer loans Lines of credit Cash Reserve Accounts 1.6 How do I change my address? Sign on to huntington online banking, go to Profile and select Change Address. Or call us at 1-800-238-4486 and speak to a Customer Service Representative.

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2. User ID and Password

2.1 What is my User ID? Your User ID is a unique identifier that can be a a combination of letters and numbers that you select to identify yourself to us when you sign on to huntington online banking.  2.2 What do I do if I forget my password? Click on the Forgot Password link on the password page. Follow the steps to select a new password. 2.3 How do I change my password? Sign on to Online Banking, go to Profile, then select Change Password.

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3. Online Bill Payment

3.1 Who can I pay with Online Bill Pay? You can make a payment to any individual, business, or merchant with a United States address. We strongly advise against using Bill Pay to pay your taxes, as local, state, and federal agencies frequently require that coupons accompany these payments. Union Bank will not be liable for any penalties resulting from late or missing tax payments. 3.2 When are online bill payments debited from my account? Payments you schedule are paid in one of three ways: "Electronic" — sent on your behalf by our payment processor. Your account is debited on the "Arrive By" date you selected. "Check" — mailed on your behalf by our payment processor. Your account is debited on the "Arrive By" date you selected. "Draft" — mailed on your behalf by our payment processor. Drafts are very much like checks you have written yourself. They are delivered by the "Arrive By" date and are debited from your account when the payee deposits or cashes the draft for payment. 3.3 What happens if the payment doesn't make it on time or the merchant doesn't receive it? First, call the merchant to verify whether the payment was received. If not, sign on to Online Banking and then view the status of the payment. If you have questions or need to file a claim, call us at 1-800-238-4486 with the information. We will contact your merchant, investigate the problem, and provide you with a resolution within five business days. 3.4 From which accounts can I pay bills? Bill Pay is available for any Union Bank checking account or money market account, as well as for the Portfolio Connection account from UnionBanc Investment Services. Please note there are transaction limitations for money market accounts.  Excess Activity Charges may apply. Transactions utilizing the Portfolio Connection account may involve the liquidation of portfolio holdings if there is not enough uninvested cash in the Portfolio Connection account to cover the requested transaction. These liquidations will incur standard brokerage fees. Fees may apply for special services such as same day or next day payments.

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4. Transfers

4.1 What transfers can I make? You can transfer funds to or from eligible Union Bank accounts you own. You can also set up external transfers to and from checking, savings or money market accounts that you own. Personal customers can also transfer funds to accounts they do not own, either at Union Bank or other financial institutions. You can make one-time or recurring transfers and even schedule multiple transfers at once to save time. Fees may apply for special services such as same day or next day transfers. 4.2 Is there a cutoff time for transfers? Most transfers can be made until midnight each business day. Transfers to or from external accounts you own must be submitted by 10 p.m. Pacific Time. Transfers submitted after the cut off times are initiated the following business day.

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5. Technical and Security Questions

5.1 How does Union Bank protect my information? To safeguard all financial and personal information, Union Bank: Requires a User ID Asks challenge questions to confirm the customer's identity Uses secure SSL encryption for all Online Banking sessions Retains all account data in secure bank systems Ensures that email received by the bank is seen by authorized employees of Union Bank Uses systems that protect all financial and personal information and are anchored by industry standard security features 5.2 Which web browser should I use? We support most current and popular web browsers that are 128-bit encrypted. See our computer requirements for detailed information. 5.3 How secure is this service? How do I know my information is protected? Our Union Bank team of technical security specialists continually work to ensure that all financial transactions, data transmissions, and communications remain fully secure by accepting only browsers with 128-bit encryption. 5.4 What is encryption? Encryption systems scramble electronic communications and information and allow users to communicate on the Internet with confidence, knowing their security and privacy are protected. We use 128-bit encryption, which provides powerful protection for Internet transactions.   5.5 Can I use Online Banking with my smartphone or iPad? Yes, you can access Mobile Banking two ways: For faster access, download our free Mobile Banking app for iPhone®, iPad®, BlackBerry®, or Android™ You can also go directly to our mobile website from your mobile phone or iPad by typing unionbank.com Learn more about mobile banking.2

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6. System Availability

6.1 When can I access Online Banking? All Online Banking features are available at all times except during system updates. These typically occur as follows (PT): Sunday from 12:00 a.m. to 6:00 a.m. First Monday of each month from 2:00 a.m. to 3:30 a.m. 6.2 Are there other times when the system may be unavailable? Access to the service may also be unavailable without notice for the following reasons: Unscheduled maintenance due to unforeseen problems A system outage due to events such as earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages 6.3 How early in the day can I access updated account balance and transaction information? Union Bank updates your account information by 6:00 a.m. (PT) Tuesday through Friday and by 8:00 a.m. (PT) on Saturdays, except on bank holidays. There is no update on Sunday or Monday. All transactions completed on Saturday, Sunday, and Monday are included in the Tuesday morning update.

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7. Fees

7.1 What is the fee for Online Banking? There is no charge for enrolling in Online Banking, or Online BillPay. Fees may apply for special services, such as same day or next day transfers or payments.

We all know about Online banking history and most of us use it quite often as well, but few of us actually understand about the history of internet banking and how it all came out. Knowing the history of internet banking can be incredibly useful, especially since it will allow you to have more respect for the little things that you take for granted.
How it All Began

Computers themselves have really come an enormous way since their initial establishment, as the earliest electronic computers were so large that they would take up the entire area of a room, while today some are so small that they can hardly be seen at all.
In today's world, computers play an incredibly large role in the way the world exists in general, and the majority of tasks could actually not be completed if not for the use of computers. Although there are certainly some areas and jobs that cannot yet be completed solely by computers and which thus still require actual manpower, for the most part, computers have helped to make life significantly easier, productive, and more convenient for us all.

The history of Online banking history obviously begins with the history of the Internet, which is notoriously known throughout the world now as a household name, but which actually did not even exist too long ago.
Although the term Internet was first adopted around the year 1974, it wasn't until the 1990s that the Internet became a really universal adoption. The Internet grew incredibly throughout the 90s, and as it continued to grow, various different search engines and Web directories were created in order to assist Web browsers, as well to track pages on the Web and allow people to find things more easily.
Internet banking has been around for quite a few years now, but has really only become prominent over the past year or so in particular. Internet banking offers an array of different advantages to the user, including: account balances and history including year-to-date information, the ability to transfer money from one account to another and to payees for bill payments, check history, reorders, and stop payments, check credit card balances and statements, complete online loan applications, secure interactive messaging with staff, and much more.

Online banking history basically allows you to be able to do everything that you can in your regular banking institution, only with the benefit that you can do it all right from the convenience of your own home. Not only is this great because you can be comfortable and have peace of mind knowing that you can keep track yourself of all your banking issues, but as well it allows for more ease because you never have to worry about rushing out and making it to the bank in time, as you can complete Internet banking tasks around the clock.

Traditional banks have monitored the popularity and growth of the internet, and realising customers wanted greater control of their affairs, have created their own internet banking web sites. Customers now have the freedom to securely perform their banking 24 hours a day 7 days a week, where they can pay bills and set up recurring savings or payments, monitor check clearances and perform other tasks like transfers and balance enquiries through an internet connection. The banks also benefit from a lesser need for staff due to the migration to internet banking where customers serve themselves.
The purest form on online banking is the virtual bank, where the only place they exist is in cyberspace.

These banks, and all other internet banking continue to grow in popularity because they are convenient, saving customers time and money. To help the growth and assist customers to make the change, many traditional banks offer minimal fee or completely free transfers to help customers migrate to their online banking service. Others will also enable you to set up online banking by simply transferring your funds by check.

Internet banking has revolutionalized banking with immediate global access to your bank accounts using a secure internet connection. Paying bills, transferring funds and just plain monitoring your account are all possible with minimal stress whether you are ravelling, holidaying or working anywhere in the world.

While PC-based online banking is not much older than a high school student, mobile banking is still in elementary school. With the proliferation of smartphones, however, online banking’s younger sibling is quickly catching up to the slightly more established option.

Banking through your PC’s web browser offers a full menu of services. You can easily and conveniently schedule payments, transfer funds, add new payees, open new accounts, apply for loans, view current and past statements, and access information about specific checks that have been deposited. A PC or Mac allows you to view an extensive array of details and options, giving you full control of your accounts.

Internet banking is very popular internationally. In some parts of the world, traditional banking infrastructure is not consistently available, and so mobile banking is the primary banking option. With a few exceptions, mobile banking, typically conducted via mobile application, offers the same basic features as browser-based online banking. In particular, mobile banking emphasizes “transactional” features, such as bill payments, check deposits (where available, this feature allows a customer to take a picture of a check to be deposited), mobile person-to-person payments, and balancing checks.

Internet banking can also offer additional security by enabling text-backs, which employ a customer’s phone as a second form of authentication when using either browser-based or mobile banking.
If you use your smartphone to access your bank’s website directly, the website may recognize that you are using a mobile browser and automatically offer you a dedicated application. If not, search your preferred mobile market or app store to see what your bank offers. Either way, it’s a good idea to give mobile banking a try. It’s a time-saver that can often be more secure than traditional online banking.

Banking has always been a brick and mortar building where you go to deposit or withdraw money. However, the banking Internet sector has exploded in the past five years. You may not be aware of what banking Internet actually is, and it can be a bit confusing because it has so many names from online banking to PC banking as well as electronic banking and banking online.

With the popularity of the Internet and the power it gives people to take control of their lives, many traditional banks have created online banking Internet web pages where customers could transfer money, set up bill payments recurring or otherwise, quickly check items that have cleared, and many other functions that can be accessed 24 hours per day 7 days a week. This banking Internet option has been very popular not only for customers who want to have some control over their account without having to go to the bank but for banks as well whose man hours have been freed up from performing simple tasks like balance inquiries, account transfers, and the like because the customer does it himself with banking Internet.

Internet Banking  options also include virtual banks. This is the truest form of banking Internet simply because these banks only exist online. Banking Internet options have become popular because they save customers time and money, which is a very trendy combination. Banking Internet which only exist online means you will have to transfer your money to the new account or else mail a payment via check. Since the whole idea of banking Internet is to make banking as easy as possible, most banking Internet sites will allow you to make a transfer from a brick and mortar bank to the banking Internet site as often as you like with no charge or a small fee. When you utilize banking Internet options you are able to access your account, move money, pay billsComputer Technology Articles, and any number of things from any computer with Internet access worldwide. This is amazing and makes traveling a lot less stressful as well because with banking Internet you always know where your account stands.

The world is changing at a staggering rate and technology is considered to be the key driver for these changes around us (Papers4you.com, 2006). An analysis of technology and its uses show that it has permeated in almost every aspect of our life. According to Tero et al (2004) many activities are handled electronically due the acceptance of information technology at home as well as at workplace. Internet can be seen as a truly global phenomenon that has made time and distance irrelevant to many transactions. According to Heikki et al. (2002), the transformation from the traditional banking towards e-banking has been a ‘leap’ change. The evolution of electronic banking started from the use of automatic teller machines (ATM) and has passed through telephone banking, direct bill payment, electronic fund transfer and the revolutionary online banking (Alter, 2002). The future of electronic banking according to some is the acceptance of WAP enabled banking and interactive-TV banking (Petrus & Nelson, 2006). But it has been forecasted that among all the categories, online banking is the future of electronic financial transactions. The rise in the e-commerce and the use of internet in its facilitation along with the enhanced online security of transactions and sensitive information has been the core reasons for the penetration of online banking in everyday life (Papers4you.com, 2006). According to the latest official figures from the Office of National Statistics (ONS, 2006) indicate that subscriptions to the internet has grown more than 50% from 15 million in 2000 to 35 million in 2005 in the UK. It has also been estimated that 60% of the population in the UK use internet in their daily lives.

The fundamental shift towards the involvement of the customer in the financial service provision with the help of technology especially internet has helped in reduce costs of financial institutions as well as helped client to use the service at anytime and from virtually anywhere with access to an internet connection. According to theorists (Walfried et al., 2005) customer evaluation of the electronic services is influenced by attributions of success and failure in inter personal service situations. The use of electronic banking has removed the online banking personnel that facilitate the transactions and has placed additional responsibilities on the customers to transact with the service. Although the use of E-banking is provided for the benefit of the customers but these changes require increased work or involvement on the part of customers.

 These and other factors might be seen as lesser service provided in terms of customer service. But these assumptions would be wrong if the customer knows the value of using the electronic service. Thus it can be concluded that a fit between task i.e. the banking; technology i.e. the user interface and its reliability; and individuals i.e. the customers and their knowledge about using the service, is the key to successful E-banking services (Zigurs & Buckland, 1998). References: Alter, S. (2002), “Information Systems” 4th Edition, Prentice Hall Heikki Karjaluoto, Minna Mattila, Tapio Pento (2002), “Factors underlying attitude formation towards online banking in Finland”, International Journal of Bank Marketing; Volume: 20 Issue: 6; 2002 Research paper