Online Banking FAQs

You can change your access ID at anytime by logging in to Online Banking and clicking the "Customer Service" tab. You will see an option for "Change User ID." Simply enter your desired user ID, and then confirm it by entering it again.

For security purposes, you will be prompted to change your password every 12 months if you have made no previous changes. In addition, you can elect to change your password at any time by following these steps:

 

1. Login to Online Banking
2. Click the "Customer Service" tab
3. Click the "Change Password" link
4. Enter your current password, your new password, and confirm your new password
5. Click "Submit"
6. Your password will be updated immediately

You may follow the instructions found here to change your password electronically.

 

1. Enter your Access ID on the ACB homepage and click "Sign In"
2. Click the "Forget your password?" link on the password page
3. Answer 2 challenge questions
4. Click "Continue"
5. Enter your new password, and confirm the new password by typing it again
6. Click "Submit" and your password will be immediately updated

Is your Internet connection Dial-up, Cable, or DSL? Dial-up customers tend to take much longer to download pages than Cable or DSL customers due to the Internet connection speeds. This is a personal client preference and unfortunately, American Chartered cannot make any adjustments to the site to increase download speed if you use a Dial-up connection.

An Express transfer is a one time transfer and it will instantaneously post to your account. An Express Transfer cannot be deleted once a confirmation number is provided. A Scheduled Transfer is a recurring or one time transfer and will post at the end of the business day. A Scheduled Transfer can be deleted.

You can view statements back to 2006. However, due to memory constraints you may only export transactions from the previous 90 days.

Online Banking is compatible with Quicken only, Money and Quickbooks are no longer supported.

Quicken has features to perform a transaction like "transfer from checking to savings" or "pay a bill;" American Chartered does not have the functionality to allow this software to send a command back to the Bank for processing.

No. You can only export from Online Banking to Quicken. The ability to have Quicken pull down transaction information while in the program is not supported. While you may find it works on occasion, but that capability is not guaranteed.

To download tnsaction history follow these steps:

1. Log in to Online Banking.
2. On the Accounts Overview page, click "Download Banking Transactions" in the left hand column.
3. Choose the account, dates and file type that you would like to download.
4. Click "Download Transactions."
5. Save the file.

To unlock your account, please call us at 847-407-2300 during normal business hours.

Multifactor Authentication is an enhanced security feature that helps protect you while you access your account through Online Banking. Online fraud perpetrators sometimes attempt to steal your identity or gain illegal access to your accounts by tricking you into logging into a website that looks similar to the American Chartered site, but is in fact fraudulent. As a reminder, American Chartered Bank will never ask you for sensitive personal information such as your social security number through our website or an email. Learn More

No. Federal Regulators require all banks to implement MFA and require all clients using Online Banking to comply.

The MFA picture and Pass Phrase are designed to help you identify that you are on the American Chartered Bank website and not a fraudulent look-alike site. After you enter your log-in information, if you are on the true American Chartered website, the picture and phrase you chose will be presented on the screen. Once you confirm that the picture and Pass Phrase are correct, it is safe to enter your password. If you do not recognize the picture and Pass Phrase, do NOT enter your Password. This may be an indication of a fraudulent website.

We confirm your identity using two authentication "factors." These factors include: 1) Something You Know (your Access ID and Password) and 2) Something You Have (your computer and associated IP address). We use your computer IP address as the second factor in this way: If they system does not recognize the computer IP as one you have previously registered (e.g. you are using your work computer but you have only registered your home computer in the past), you will be asked a Challenge Question. Remember, these Challenge Questions were selected and answered by you the first time you logged in to Online Banking or when you signed up for Online Banking. If you answer the Challenge Questions correctly, your identity will be confirmed and you can proceed with the login.

You will have 4 opportunities to answer a Challenge Question correctly before you are locked out of your account. If you are ever locked out of your Online Banking account, please call us at 847-407-2300 during normal business hours and a bank representative will assist you.