Personal and DirectConnect Business Banking Online
Frequently Asked Questions

How do I apply for Personal Banking Online and DirectConnect-Business Banking Online?
It’s easy. From our Home Page, in the panel on the left under "Online Banking", click on "First Time User". Follow the simple step-by-step directions and you are ready to go. For experienced users click on "Login" in the panel on the left of our Home Page under "Online Banking".

Are there any special systems requirements to use Personal Banking Online?
The only system requirements needed are access to the Internet and an updated browser such as Internet Explorer 5.5 or greater or Netscape Navigator 6.0 or greater.

Is Personal Banking Online secure?
Yes, Personal Online is very secure. In fact, you are required to use a browser with the highest form of encryption (128bit SSL) available for today’s popular browsers.  This means that information passing from your computer to the Bank’s site is encrypted, making it virtually impossible for anyone to access your account information. However, we do ask that you take the following steps to maintain the security of your accounts and personal information:

• Memorize your Access ID and Password. Never write it down or reveal it to anyone. Your Password authenticates you when you log in to Personal Banking Online.
• Change Your Password often. It is a good idea to change your Password on a regular basis. You can do this by clicking on the "Change Password" button.
• Log out after each session. Always click on the "Sign Off" button when finished with your computer. If you share a computer with other individuals, you may want to completely close the Internet connection after using Personal Banking Online.

How late in the evening can I make an online transfer?
You can transfer funds 24/7. However, the transfer cutoff time for current day's business is 6:00 pm Eastern time, Monday through Friday. Any online transfers after 6:00 pm are on the next business day, so activity after 6:00 pm, Friday would be reflected in Monday's activity.

If a scheduled transfer falls on a weekend or holiday, when will the transfer occur?
Transfers scheduled for a Sunday or holiday will occur on the first business day after the weekend or holiday.

How long will transactions and statements be available online?
By clicking on the "Current Statement" button, Personal Banking Online allows you to view all transactions posted since your last statement. Clicking on the "Previous Statement" button allows you to view all transactions that were on your previous statement.

When will ATM and Check card transactions appear in my balances?
ATM and Point of Sale transactions that are conducted prior to 3:00 pm, Monday through Friday, will be updated and reflected in your balances on the following business day. Transactions conducted after 3:00 pm, Friday through Sunday, will appear in your balance activity on Tuesday. Debit card transactions can take from 2 to 7 days, depending on how quickly the merchant submits their payments.

Bill Pay with iPay Technologies
Frequently Asked Questions

How does Bill Pay work?
A customer sets-up his/her payees then schedule their payments from an account.  The money is taken out of the customer's account on the day the payment is scheduled to process.  iPay Technologies processes the payment and sends the money to the payee via ACH or by check.

Can I schedule my payments ahead of time?
Yes, you can schedule a payment ahead of time or fill out a payment as a recurring payment.

How do I sign up for Bill Pay?
Simply by filling out the online enrollment form and agreeing to the terms and conditions.

How soon are the funds taken out of my account?
Funds are taken out of the account on the day the payment has been scheduled to process.
The Bank of Princeton has chosen 4:00 pm as the cut off time funds will be taken out of the customers account on the day the payment has been scheduled to process.

Can funds be placed back into my account?
Yes, if you request a stop payment.

How do I verify that my payee received my funds?
The customer can contact the payee directly; our customer service department can also help with payment verification.

What happens if my payee does not receive my payment?
You can contact our customer service department and we will investigate the issue.  If the payment was lost we will send another payment.

What happens if my computer crashes? What happens if the computer of my processor crashes? Will my payments go out on time? 
Payments will go out on time as long as you have hit submit payments on the payment screen.  If your computer crashes and payments have already been scheduled the payments will go out as planned.

Is there any chance that I can lose my payee information?
iPay Technologies keeps the payee information on the server.  The payee information is stored for each customer on our site.

Website Graphics
Frequently Asked Questions

Where do you get the pictures on The Bank of Princeton's website?
Certain graphics are obtained by permission courtesy of freefoto.com. Others are obtained through employee photo shoots and other various graphic sources.