FAQ - E-Neighbor Internet Banking

1. What can I do with E-Neighbor Banking?
2. What are the system requirements for E-Neighbor Banking?
3. How secure is E-Neighbor Banking?
4. How much does E-Neighbor Banking cost?
5. How do I transfer funds between accounts using E-Neighbor Banking?
6. Can I see images of my checks online through E-Neighbor Banking?
7. What do I do if I need help?

1. What can I do with E-Neighbor Banking?
Services available through E-Neighbor Banking include

• Pulling balances on deposit and loan accounts.
• Viewing and printing account activity statements and reports.
• Transferring funds between accounts.
• Interfacing with Quicken and Microsoft Money.
• Paying bills.

2. What are the system requirements for E-Neighbor Banking?
Hardware

• PC with a 486/50 MHz or higher processor, Pentium 90 or higher recommended.
• VGA graphics card or compatible video graphics adapter and 256-color monitor.
• 9600 baud modem or higher, 28,800 baud recommended.

Software

• Windows 95 or higher.
• Web browser, such as Netscape or Microsoft Internet Explorer. The browser must offer 128-bit encryption for security purposes.

Access

• Internet access through an internet service provider.

3. How secure is E-Neighbor Banking?

E-Neighbor Banking requires a browser using 128-bit encryption. This is the highest level of encryption available. Imagine sending a friend a letter. For us it's as simple as dropping it in a mailbox for the carrier to pick up and deliver. Now imagine that instead of just dropping it into the mailbox, you put the letter through a shredder that only you have the key to and then into the mailbox. And instead of one carrier coming to pick it up, the post office sends 128 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to your friend's house. Once there, your friend takes this pile of incomprehensible paper, puts it through a reverse shredder that they only have a key to and out comes your letter, safe and sound.

From the login screen to the sign off screen, E-Neighbor Banking is a secure connection.

Tips for keeping E-Neighbor Banking secure

• Use the latest version of either Netscape Navigator or Microsoft Internet Explorer. Both of these browsers are certified for use at our Internet Banking provider's site.
• Keep your password confidential. Change it frequently to ensure that no one else can guess it and do not let anyone else use it.
• Never walk away from your computer without exiting the system first. When you are finished with your banking, click the Sign Off button located at the left navigational toolbar. Once you have ended your session, no further transactions can be processed until you sign on to the system again.

4. How much does E-Neighbor Banking cost?
Banking Only is at no charge.

The Bill Payment option of E-Neighbor Banking is available at no charge. You may sign up for this service online by selecting 'Bill Payment' from the left menu bar. Next, select 'Payee Management' from the left menu bar and you will be guided through the set up. Bill Pay is subject to approval.

Images of your checks are available online through E-Neighbor Banking. For a one-time set up fee of $15, you have access to front and back of cleared checks. You can view and print copies of any of the images. Please email internetbanking@fandmbank.com to sign-up for this service.

Stop Payment fee is $29.75 per item.

5. How do I transfer funds between accounts using E-Neighbor Banking?
To authorize the bank to allow transfers by you, the account owner, via E-Neighbor Banking or Phone Bank, stop by any F&M office to complete the Internal Transfer Service Request form.

Transfers submitted between F&M accounts before the daily cut-off time of 10:00 PM Central Standard Time on any business day with an effective date of the current business date will be posted on the same day. Transfers submitted after 10:00 PM Central Standard Time may not be posted until the next business day.

6. Can I see images of my checks online through E-Neighbor Banking?
Images of your checks are available online through E-Neighbor Banking. For a one-time set up fee of $15, you have access to front and back of cleared checks. You can view and print copies of any of the images. Please email internetbanking@fandmbank.com to sign-up for this service.

7. What do I do if I need help?
Support is available to customers 24 hours a day, 7 days a week through the Home Banking Support Center at 888-722-1318.

If you would like more information, please e-mail internetbanking@fandmbank.com.