Online Banking
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• Save postage and pay your bills securely online, 24 hours a day, with ease and convenience
   
• View bill due date reminders, pending payments, and recent payments
   
• Schedule recurring payments or pay each bill when it is most convenient for you
   
• Sign up for e-bills and your bills will be delivered electronically to your email inbox

Tired of worrying if your payment will get there on time? Want to manage your money more efficiently? With Online Bill Pay, you don’t have to worry. You can be assured that your payment will get there on time…every time.  We provide you this Online Bill Pay through CheckFree®, an industry leader in third-party bill payment services. Through Online Bill Pay, you can:

• Start paying your bills the easy way today! To take benefit of Online Bill Pay, first Sign-In to Online Banking. Once you have accessed Online Banking, click the Pay Bills button.
  

• You can pay anyone, from anywhere in the U.S., twenty-four (24) hours a day, seven (7) days a week. You can also schedule payments up to one (1) year in advance.

The Online Bill Pay permits you to initiate and authorize payments from your Accounts to Payees who you have selected in advance to receive payments by means of the Online Bill Pay. You will have the option of setting up Payees as one of two bill payment types: (1) recurring; or, (2) variable.

• Recurring payments are payments of a fixed amount paid on a regular time interval, such as, but not limited to, monthly rent or mortgage payments; once a recurring payment is set up by you, CheckFree will automatically execute bill payments according to your instructions until you cancel or change those instructions.
  

• Variable payments are payments that vary in amount and/or date, such as, but not limited to, utility or credit card payments; once a variable payment is set up by the you, CheckFree will execute the bill payment instructions according to your instructions for each individual payment.

You can select from a pre-defined list of billers with whom CheckFree has an agreement to deliver electronic bills. Once you have activated the CheckFree bill delivery service for a biller, you will begin to receive future bills electronically within Online Bill Pay.

Two-way messaging allows you to send and receive messages from CheckFree customer service.

Online Bill Pay provides a list of your payments sent by CheckFree.

Online Bill Pay allows you to add multiple Accounts as activated bill payment accounts. When scheduling payments, you may pay your bill from any activated bill payment Account.

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What is Online Banking?

Online banking is a service that provides secure, real-time access to your American Sterling Bank accounts via the Internet.  You can access your accounts from your PC, any time day or night to check your balance, verify cleared deposits or checks, move funds from one account to another.

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What kind of bank account do I need to use online Banking?

All you need is an American Sterling Bank account.

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How do I get started?

If you already have a deposit account with us, you can instantly enroll for online banking.  Simply complete the online information.  To open a deposit account, visit any branch location.

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I am an inexperienced Internet user.  Can someone help me get started?

Each of our Customer Service Representatives has access to our website.  They will be happy to show you a demonstration and answer your questions.

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How soon can I start using Online Banking?

Once you have completed the instant enrollment selected your own User ID Name and Password, you can immediately begin using online banking.

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How much does it cost to use Online Banking?

Online Banking is free of charge to customers who want to check account balances, make transfers, and review account history.

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Can I access my account from both home and work?

Yes, with your User ID Name and Password.

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How is my Account Information secured?

There are three levels of security on the Internet

• Client Endpoint Security, which is stored on a secure browser.
• Over the Wire Security, which includes encryption.
• Trusted operations System, which is server endpoint security-firewall.

A secure browser ensures that all data is encrypted while in transit.  Secure Browsers include Netscape Navigator 4.7 and Microsoft Explorer, version 5.0.1 and above.  You will receive and error message if working with an unsecured browser.

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What if I open a new account after I am set up for Online Banking?

Your new account will automatically be linked to online Banking.

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Is there a maximum number of daily transactions my account will process?

No, you can use your account as much as you like.  You can review transactions from your current and previous statements as well.

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Can I use Online Banking with my business account?

Yes, you can access your business deposit accounts

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What kinds of Inquiry are available?

   Checking Inquiry:

• Current Balance: Account balance.
• Interest Information: Interest paid current year, Interest paid last year
• Activity Information: Balance of last statement, Amount of last deposit, and Amount of last check.

   Savings Inquiry:

• Current Balance: Account balance
• Interest Information: Interest paid current year, Interest paid last year.
• Activity Information: Balance of last statement, Amount of last deposit, and Amount of last withdrawal.

   Certificate of Deposit Inquiry:

• Current Balance: Account balance.
• Interest Information: Interest paid current year, Interest paid last year, Rate.
• Maturity Information: Date of maturity, Term.

   Mortgage and Construction Loan Inquiry:

• Current Payment Information: Amount Due, Amount of last payment.
• Other Date Information: Note Date, Maturity date.
• Other Balance Information: Principal balance, Interest Balance, Late-charge balance, Estimated net. payoff.

   Consumer and Commercial Loan Inquiry:

• Current Payment Information: Amount due, Amount of last payment.
• Other Dates Information: Note date, Maturity date.
• Other Balance Information: Principal balance, Interest balance, Late-charge balance, Estimated net. payoff.
• Credit Information: Maximum credit, Available credit, Amount of last advance.

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How do I use my checking account with Online Banking?

In addition to viewing your account activity, you can use your checking account the same way you are accustomed to.  After you write a check or use your ATM or VISA Check Card, you can export the transaction into your financial software, such as Quicken or Microsoft Money.

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What is the difference between the account statement and exporting my history?

The account statement is an electronic version of the paper statement you currently receive in the mail.  It shows transactions that have cleared the bank, sorted by checks, deposits, ATM transactions and so forth.  The statement balance is the result of all the transactions that have cleared your account.  This online history is updated immediately to give you a current picture of your account's status.

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How do I deposit money into my account?

You can mail deposits to us at any American Sterling Bank location.  You can also have a deposit wired or transferred electronically to your account, once your account has been opened.  For your convenience, we recommend that you have your paycheck, pension or social security check directly deposited into your account.  Of course, you can always make a deposit at any of our branch locations.

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How much transaction history can I view?

The Current Period will display transactions that have occurred during the current statement cycle for checking and statement savings accounts.  Passbook and statement savings accounts will show the last 30 days of history.  This button does not apply to Certificates.  Previous Period will display transactions that occurred during the last 90 days.

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Can I transfer money between different banks?

Funds cannot be transferred between banks using online banking.  However, a Customer Service Representative can help you with wiring the money.

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Can I transfer money between my American Sterling accounts?

You can only transfer money among your American Sterling Bank checking, statement savings, loans or money market accounts.  Due to Federal Regulations, transfers cannot be made with your Wolverine Bank passbook savings accounts.

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Do I have access to my account via telephone if I'm not at my computer?

Yes, you can call our free automated Telephone Banking service (CLARA), 24 hours a day, seven days a week to inquire about your accounts.  Simply call (816) 521-2575 in Missouri, (480) 575-3355 in Arizona or (949) 587-3455 in California.

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My account has been ‘locked’.  What do I do?

You may call our Customer Support line at 800-588-3467.  We have personnel available from 8:00 a.m. to 7:00 p.m. (Central Time) to assist you in resetting your password.  You may also leave a message on this line if someone is not available.  We will call you back promptly and assist you in reestablishing your online banking account.

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How do I discontinue Online Banking?

Online Banking can be cancelled at anytime.  Simply contact us by email, telephone, or letter.

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