SBT Online Banking FAQs

Q.

What is SBT Online?

A.

SBT Online Banking allows our customers convenient access to their accounts via the Internet in a secured environment. Any PC with Internet access can directly link you to your State Bank & Trust accounts! · Free Basic Online Banking and Free Online Bill Payment (certain restrictions and fees apply), check balances, transfer funds, make loan payments, view and/or print daily account activity and download to personal financial software (restrictions apply).

Q.	How do I apply for SBT Online Banking?
A.	Simply print the application located on the Online Banking page, complete, sign and fax to 214-987-7429 or mail to State Bank & Trust, P.O. Box 50645, Dallas, TX. 75250-0645 or drop the application at any of our branch locations.

Q.	Are each authorized account signer/owner required to complete an Online Banking Application?
A.	An application must be completed for each person who wants access to his or her accounts (personal accounts only). Upon receipt of the application, a User ID number will be assigned and a letter or e-mail with login instructions will be forwarded once the application is processed. Upon initial login you will be required to select a PIN of your choice.

Q.

Can Businesses apply for Online Banking?

A.

Yes, to apply for our Business online banking service, simply print the business application located on the Online Banking page, complete, sign and fax to 214-987-7429 or mail to State Bank & Trust, P.O. Box 50645, Dallas, TX. 75250-0645 or drop the application at any of our branch locations. Upon receipt of your information, a SBT Officer will contact you within three (3) business days to determine the options best suited to meet the needs of your business and assist you in completing required documents.

Q.	How do I use SBT Online Banking?
A.	A Demo has been provided on our Online Banking section that will guide you through the entire online banking product.

Q.	Why don't all of my accounts appear on my account list?
A.	You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call our customer service department at 214-987-7400, Mon. - Friday 8:00 a.m. - 5:00 p.m. for further assistance.

Q.	What happens if I open a new account after I am already signed up for SBT Online Banking?
A.	New accounts do not automatically appear on the SBT Online Banking system. Simply, call our customer service department at 214-987-7400, Mon. - Friday 8:00 a.m. – 5:00 p.m. and ask to have the account added to your profile. You must be sole or joint owner of the account to have it added to your profile.

Q.	What if I forget my PIN?
A.	For security purposes, three consecutive invalid login attempts will "lock" you out of the system. Please call our customer service department at 214-987-7400, Mon. - Friday 8:00 a.m. – 5:00 p.m. to have your account "unlocked".

Q.	What if I get an error message?
A.	If you get an error message, please make a note of the message, the error number, and the Time and call the bank at 214-987-7400, Mon. – Friday 8:00 a.m. – 5:00 p.m. to report the message. We will make every effort to resolve the issue as soon as possible

Q.	What does it mean when I get a BLANK screen and cannot login?
A.	SBT Online requires 128-bit encryption (a high level of coding for security purposes). If your computer browser does not have this level of encryption; a blank screen will be displayed. At the very top of the screen you may see a message displaying the need of 128-bit encryption and JavaScript

Q.	How can you secure my banking information?
A.	We have extremely high criteria for security of your online banking information. A few of these are listed below: · Your banking information never travels the Internet without encryption protection. Login session have a time-out limit and after the limit is reached you are required to login again. · PIN guessing is deterred and reported.

Q.

Why can't I transfer funds online between my corporate and personal accounts?

A.

Banks are required to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account. This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorships will continue to have the ability to transfer funds between their business and personal accounts.

Q.	How does SBT Online Bill Payment feature work?
A.	Bill pay allows you to pay all of your bills at your convenience from any PC connected to the Internet.

Q.	How do I sign up for Online Bill Pay?
A.	If you are a current SBT Online user, simply contact our customer service center during regular banking hours at 214-987-7400 for assistance. Current SBT customers not enrolled in either service are welcome to complete and submit our Online Application or stop by one of our convenient locations.

Q.	How do customers establish electronic payments?
A.	Select the Add New Payee from the Bill Payment drop down menu. To set up an electronic payee, click on the binoculars. Select the first letter of the payee name from the alphabet list or type in the payee name. Click on the Help link for further information.

Q.	When are transactions (payments) processed?
A.	Payments are processed each day Monday through Friday (excluding holidays) at 12:00 noon Central Time. Any payments issued via check will be printed and mailed (postal) the same day if entered up to 12:00 noon Monday through Friday (excluding holidays and weekends). Electronic payments will be processed the same day if entered up to 12:00 noon Monday through Friday (excluding holidays).

Q.

What is the lead-time for a payment to be made?

A.

Since check payments entered before 12:00 noon CST Monday through Friday (excluding holidays) are mailed that day, sufficient time must be allowed for the post office to deliver the check. Please allow 5-7 days (excluding grace period, holidays or weekends) for paper check payments. Allow 3-4 days (excluding grace period, holidays or weekends) for electronic payments. If a scheduled payment falls on a weekend it will be processed on Monday (except holidays). New payments scheduled during the weekend will be processed on Monday (except holidays). All payments scheduled for a holiday will be processed the day after the holiday. Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address, and account number.

Q.	Why do I have two sets of passwords?
A.	The Cash Management product allows for you to set up separate ID’s and PIN’s for all your employees. Each company will have an SBT Online ID and PIN and then each employee will have their own ID and PIN. When setting up your employees, you can also specify which of your accounts the employee has access to.

Q.	Who do I call with questions?
A.	Call our customer service department at 214-987-7400, Mon. - Friday 8:00 a.m.- 5:00 p.m.