What do I need to
start Internet banking?
You will need to know one of your account numbers.
This number will be your "Access ID" when you log in to
Internet banking as a "First Time User."
will also need a temporary password. If you are a
Telebanc user, you may use your current Telebanc
password as your temporary password. If you do not
have a Telebanc password, request your password from
your Customer Service Representative in person or call
(920) 564-2336 or e-mail
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What is my Access ID?
As a "First Time User", your Access ID will be any
one of your account numbers. After you successfully Log
In the first time, we strongly encourage you to change
your Access ID. Use at least six 6 to 12 alpha or
numeric characters. The Access ID is case sensitive,
therefore you must remember which letters are
capitalized and which letters are not capitalized.
How do I change my
Log in to Internet banking. Select "Change Password"
from the "Options" menu. Enter your current password
into the "Current Password" textbox. Enter a new
password into the "New Password" textbox and again into
the "Confirm New Password" textbox. Use at least six 6
to 12 alpha or numeric characters. The password is case
sensitive, therefore you must remember which letters are
capitalized and which letters are not capitalized. Next
click "Submit". You should receive a message indicating
that your password was changed successfully. None of
the bank’s personnel will know, or have access to your
password. We encourage you to click the Options button
on the Online Banking main page and choose to register
your email. This will enable the Online Banking system
to email you your password should you forget it. We
will not share your email address with anyone and you
will not be solicited by the bank as a result of
registering your email address with Online Banking.
How do I change my
You can change your Access ID number during the initial
Log In process and we strongly encourage you to do so.
If you decide to change it at a later time, please
contact our IT Department at (920) 564-2336 or
What is a Security
Question and Answer?
A Security Question and Answer is a form of personal
identification that involves a "shared secret".
The authenticating party (the Bank) seeks to verify the
identity of a transaction initiator (the Customer) via a
question that only an authentic customer should be able
to answer. To enter a question and answer, Log In
to Internet banking. Choose "Change Security
Question" from the "Options" menu. Enter a
question in the "Question" textbox and the corresponding
answer in the "Answer" textbox. Click "Submit".
How can I obtain
Internet Explorer is a
popular web browser. Microsoft Internet Explorer must be version
higher. To check your current version, click
"Help" on the Internet Explorer menu bar and then click
"About Internet Explorer". If you need to upgrade, you can download
the newest version at :
Several other browsers are compatible:
Microsoft Windows (98, ME, 2000, and XP)
- Microsoft IE: 6.0 or higher
- Netscape Navigator: 6.1 or higher
- Mozilla Firefox 1.0 or higher
- Opera: 7.54 or higher
Mac OS X
- Netscape Navigator: 7.0 or higher
- Mozilla Camino: 0.8.1 or higher
- Apple Safari: 1.0 or higher
- Mozilla Firefox: 1.0 or higher
- Opera: 7.54 or higher
Adobe Acrobat Reader is a popular way to view documents.
Download the newest version of Adobe Acrobat
Where do I log on to
After your initial log on to Online Banking as a
“First Time User” you can take a more direct route to
the log on page. You will notice in the upper left
corner of each web page an Online Banking button.
Simply click on this button to reach the log on page.
Some customers choose to save the log on page in their
What do I need to
start Bill Payment?
1. You must be a current Online Banking customer.
If you're not a current Online Banking customer,
2. Click here
to learn more about getting started with Bill Payment.
How do I see my
The following allows you to retrieve images of
checks that have cleared up to the past 60 days:
1. Log in to Online Banking
2. Click on "Accounts" and select your checking
3. Under the "Transactions" button, click on
either "Current Statement" or "Previous Statement"
4. Under the "Check Number" column, click on the
check number of the check you'd like to see.
When do my checks
appear on Online Banking?
Your transaction appears on your Online Banking
statement in "real time" as soon as your check is
processed. Your check will be available for
viewing by 10:00 am the following business day.
How long will my
checks remain on Online Banking?
You can view your checks through your "Current
Statement" or "Previous Statement" which, depending on
your statement cycle, will show up to 60 days of cleared
How do I print a copy of my check?
Right-click the check image and choose "Print
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Some businesses that you write checks to may now be
using Draft Capture. The business may treat your
check like an electronic transaction, using the
information on the check to debit your account directly
instead of processing the check. In this
situation, the business may keep your check, or they may
hand it back to you. Your check would not be
available on Online Banking because the paper check was
not sent back to the bank.
What is an
eStatement is an electronic
statement. It is an exact replica of a paper statement,
except that it is available through Online Banking.
As soon as your statement is prepared, it appears on
Online Banking. It replaces the paper statement
sent through the mail.
How do I begin
1. You must be a current Online Banking customer. If
you're not a current Online Banking customer,
customers should contact us for
What if I
have a joint account? Can I still sign up?
Yes. Only one account from the combined statement
need be listed. If you
receive a separate statement, then that account number
would also have to be enrolled.
You must be an account owner to receive these
eStatements available for businesses?
contact us for more details.
How do I view
Customers who prefer to see all of their accounts on one
statement choose combined statements. With
eStatements, Online Banking will send an email
to you when your statement has
arrived instead of a statement
via mail. Next, you can log
into Online Banking, select your checking
account, and a "Documents" button will be
available. Clicking the "Documents"
button will provide a list of sixteen (16)
months of statements
available for viewing. All
of your combined accounts will be on this eStatement.
(Some accounts may not be eligible for combined
Any account that is on a combined
statement will only be viewable through the primary
Separate Statements. If
you prefer to view a completely separate statement for
each account, you will need to enroll each account
separately. Instead of receiving a statement via
mail, Online Banking will send an email to
you when your statement has
Log in to Online Banking to view
the eStatement, then select the particular account
you'd like to view. Click the "Documents" button, and a
list of the eStatements will appear. Select the month
you would like to view.
eStatements compare with Previous Statements?
eStatements are an exact replica
of the statement you had been receiving in the mail.
It is an account listing for the same period as the paper
statement. If you choose combined statements, then the
eStatement will also include information on all your accounts.
The "Previous Statement" provide
links to view checks. The "Previous Statement"
link displays all the transactions
that occurred since the last statement cycle.
The Previous Statement for a
Checking Account, for example, will provide the Date,
Check Number, Description, Debit, Credit, and Balance
for 30 days after the beginning of that statement.
The eStatements will provide a Summary of Accounts, and your checks
sequenced. The time period will always begin from the
balance last statement. Up to sixteen (16) months of eStatements will be available.
Can I print a
Yes. Use the print
button available on your browser. This printer friendly
version will look exactly like
the statement you had been receiving in the mail.
will I be able to see this month's statement?
Your eStatement will remain on
Online Banking for up to sixteen (16) months.
Can I go
back to see last month's statement after I get this
of your eStatements will be
listed separately and will remain
available for up to sixteen (16) months.
When I click
on Documents, and then Account Statement, I receive the
message "No Documents Are Currently Available For
First, try again. As with any
page request over the internet, there is a chance that
the server is busy.
If you are enrolled and continue
receiving this message after the time when you normally
would have received a statement, call 920-564-2336. We
will verify that the account you are trying to review
has been enrolled.
If you choose a combined statement
so you can view all of your accounts in one click and a
single print, then your eStatements will appear under
the main checking account only. All other accounts that
had been requested to be on the Combined eStatement
will receive the message "No Documents Are
Currently Available For Viewing".
The Multifactor Authentication Solution provides you
added safety by helping ensure that only you can access
your bank account. Your secret picture and
caption is a shared secret between you and the
bank. When you see your secret image and caption you can be confident
that you are at the legitimate bank web site, not an
Make sure you see your secret image
before you enter your password!
In addition, the Multifactor
remembers which computer(s) you normally use, preventing
potential fraudsters from logging into your account even
if they somehow get or guess your username and password.
Why do I need
Multifactor Authentication is an enhanced
security feature that helps protect you while you access
your on-line account. On the Internet today, fraudsters
attempt to steal your identity by impersonating the web
sites you trust. We are committed to proactively
protecting you, our customer, against such attacks.
Multifactor Authentication helps us do this.
does it work?
How does it work? When you visit
your branch office, you know our faces and we know
yours. Multifactor Authentication does the same thing over the internet.
It is a new method to identify us to you and you to us.
When you enroll in Multifactor Authentication, you will select a secret
picture and caption known only to you. Whenever you
log-in we will show you this picture so you can be
assured that you are accessing the real bank site and
not an impostor site.
We also check the computer(s) or
device(s) that you are using to access the web site.
Typically you will access the web site from one or two
computers, such as your work and home machine.
remembers your computer. Should you need to log-in from
a different computer, such as an Internet cafe, we will
take additional steps to verify your identity, such as
ask you to provide the answer to secret questions we
both know the answers to.
Multifactor Authentication remembers your computer by assigning a unique
identifier to each computer you use to access our web
site using standard secure cookies. The cookie is used
to store the identification information only. No
personal or private data is stored in any way.
is Multifactor Authentication more secure?
Multifactor Authentication protect you from
accidentally revealing your username and password to a
fake site. In addition, if someone does somehow get your
username and password, he will still not be able to
access your account because he is not at your registered
somebody from stealing my secret image?
We only show you your secret image and caption if
you log-in from your own computer, or after you have
answered a secret question. So, it is not possible for
an unauthorized person to get access to your picture.
Why am I
being asked a question when I try to log-in?
We ask you a secret question when we detect that you are
trying to log-in from a new computer. This is to prevent
someone with stolen passwords from logging into your
account. Since only you know the answer to the
questions, we will know it's really you. Generally you
will be asked to answer a secret question only when you
log-in for the first time from a new computer. After you
answer the question, you will be asked whether we should
remember this computer for future log-ins. If you are
using a personal computer, you should answer yes. If you
are using a public terminal, you will want to answer no.
access my account from multiple computers?
Yes, you can still access your bank
account from any number of computers. If you log-in from
a new computer or a public terminal, you will just need
to go through one extra step of answering a secret
question. This helps protect you by keeping unauthorized
people from accessing your valuable information. There
is no limit on how many different computers you can use
to log-in to your bank account.
I am not an
Internet expert. How easy is Multifactor Authentication to use?
Multifactor Authentication is extremely simple for anyone to use. You
don't need to memorize anything new, just use the site
as usual and look for your secret image and caption at log-in.
I share my
computer with someone who has their own bank account. Can
both of us still log-in from this machine?
Yes, you can both use the same computer to log-in to
your individual bank accounts. There is no limit on how
many people can log-in into the bank web site from the
happens if someone steals my password? How will
keep them from accessing my account?
When someone tries to log-in using
your stolen user name and password, we will recognize
that they are logging in from a different computer, and
ask them a secret question. Since only you know the
answers to your secret questions, they will not be able
to give a correct answer. They will not be able to log
change my secret image and caption?
Yes, you can change your secret image and caption at
any time. To make the change, go to the account
maintenance link after you log in to your account.
How do you
know I am logging in from my own computer?
When you log-in for the first time from a new computer,
we put a secure (encrypted) cookie on your computer.
This cookie contains a randomly generated unique number
that identifies your computer. The cookie is visible
only to the bank web site and does not contain any of
your personal information. When you log-in after that,
your web browser sends us this cookie. This lets us know
that this is your computer.
Recently there have been attempts by fraudsters to trick
people into revealing their personal information, such
as passwords, by creating fake web sites that look very
much like the sites of legitimate financial
institutions. They send out emails randomly with links
to these fake web sites. This phenomenon has been called
Phishing, (pronounced "fishing").
trying to log-in from my own computer, but the bank's web
site is not showing me my secret image and caption. Instead, it is asking
me a question. What is happening?
This might happen in rare cases if you have deleted all
cookies on your computer. Before answering a secret
question or entering your password, make sure that you
are going to the legitimate bank web site. The easiest
way to ensure this is by typing the URL of the bank (www.oostburgbank.com)
directly into your web browser. Then, after you answer
the security question, you should see your secret
image and caption next to the password field. If your
secret image and caption is
there, you can be confident that you are at the
legitimate web site and can enter your password.
What is a
Trojan or Key Logger?
Some fraudsters have been putting
programs on random computers in order to harvest your
user id and password information used to log-in to web
sites. They collect this information and secretly
transmit it to their own computers and attempt to log-in
to your site. These are called Trojans (short for Trojan
Horse) or Key Loggers (for logging your keystrokes).
How does Multifactor
me from a Trojan or Key Logger?
Once you have a secret image and caption and have registered your
computer, even if a Fraudster steals your AccessID and
Password, his computer will not be registered and he
will not be able to log-in as you; thus, Multifactor
protect your identity and your account.