- Internet Banking Questions
- Account Balance Questions
- Check Imaging Questions
- Mobile Banking Questions
- “My e-BAnC Mobile” Instructions
- Instrucciones “My e-BAnC Mobile”
VIEW THE USER GUIDE
Our User Guide was designed to aid in whatever initial questions you may have. Our new system has many new, diverse and improved functionalities, all highlighted by the information we’ve prepared specially for you. If you feel that you may need additional assistance our customer service department can be reached at
(305) 789-8077 from 9 A.M. to 6 P.M.
Internet Banking Questions
Why use Internet Banking?
Internet Banking allows our customers secure access to their accounts anytime of the day, any day of the year. With functions to transfer funds between accounts, view and print statements, download transactions to leading financial management programs and an optional Bill Payment feature the question is why not to use Internet Banking.
What are the system requirements to use Internet Banking?
You will need a connection to the Internet, and a Web Browser such as Microsoft Explorer version 8 (or higher) and can be downloaded from the vendors site. Internet Banking works on any operating system that supports the same limitations as the browser listed above.
Do I have to apply to use Internet Banking?
Yes, an application is required to sign up for Internet Banking. Once we receive and process the application form we will issue an Internet Banking user ID and PIN (personal identification number). For your protection you will be requested to contact our Internet Banking Customer Service and at this point you will be supplied with your access information and your Internet Banking account will be unlocked.
How do I use Online Banking?
You first need to apply for Internet Banking. Once you have you user ID and PIN (personal identification number) you will be able to access all features you selected in your application.
I can’t find all my accounts in the Internet Banking Account List?
Only valid accounts listed in your Internet Banking application will be list in the Internet Banking Account List. You must be a sole or joint owner on an account to have it added to your profile, and in case of joint accounts both account holders have to sign the application. If you forgot to add an account on the Internet Banking application you must complete a new application listing all of the accounts that you want access to.
Can I see my current account information?
We provide you with real-time account transactions and balances. Some delays may occur due to processing or system issues, which we cannot control.
Is it possible to change my User ID and PIN?
Yes, you can change your User ID and PIN as often as you would like by going to “Modify Login Information” under the “Options” button to change your PIN or Personal ID.
Why am I locked out of my account?
To keep the system as secure as possible, any time three consecutive failed sign-on attempts the account will be locked and you will need to contact our Customer Service at (305) 789-8077 to have it unlocked.
What happens if I forget my PIN?
For security reasons we do not have access to your PIN once it has been changed. If you forget your PIN, you must contact our Customer Service at (305) 789-8077. We will reset your PIN to the initial PIN we provided you with when you first signed up for Internet Banking.
I got an error message. What should I do?
If you get an error message please take note of the error and the time, then simply call our Customer Service at (305) 789-8077 and we will be glad to answer your questions.
Account Balance Questions
What is Available Balance?
The Available Balance is the account balance you actually have use of. It does not include deposits of checks which have not yet been credited to the account. It does include the day’s deposits and withdrawls that have been provisionally posted to your account but are subject to final posting at the end of the day processing.
What is Current Balance?
The Current Balance or book balance is the account balance that includes all deposits and withdrawls that the Bank has processed within your account on the prior banking day.
Why is my Available Balance higher than my Current Balance?
This occurs because the Current Balance is the balance in your account at the close of the prior business day, it does not reflect items that are currently in process.
Why is my Current Balance higher than my Available Balance?
The same way Available Balance takes into consideration deposits not yet posted to the account, it also takes into consideration withdraws made from your account. When the current day’s withdrawls exceed the current days collected deposits your Current Balance will exceed your Available Balance. It is important to remember that the Available Balance is the account balance you have use of.
Check Imaging Questions
How about viewing your checks online?
With our new service of Check Imaging you are now able to view both front and back images of your cancelled checks and processed deposit slips online. Internet Banking provides you with the convenience of printing check and deposit slip images straight from your computer.
How do I view my check images?
Just log on to your Internet Banking account and click on the cancelled check number or processed deposit slip you would like to view and the image of the item will be displayed on the screen.
What if I am not an Internet Banking user?
To become an Internet Banking user, please click on the “Apply for Internet Banking” option or talk to your account officer for more information.
What is Check Imaging?
Check Imaging is the creation of a digital image of both front and back of each check and deposit slip processed into your account. Digital images can be stored and retrieved more efficiently than the original documents.
When your account statement is prepared, our system retrieves your check images and laser prints them on letter size paper. These images are the ones you will receive with your statements.
Will there be a difference in my checking account statement?
No. You will continue to receive your monthly statement containing all of your account activity. Along with your statement, you will receive images of all checks which have cleared through your account during that month.
What are the advantages of Check Imaging?
Are images of checks accepted as legal documents?
Yes, Check images are acceptable as legal documents by the Internal Revenue Service (IRS) and in a court of law.
Can I customize my Check Imaging report?
Yes. Initially this report will contain front images of your processed checks. You can change the number of checks printed per page as well as choose to receive front and back images of each check. Please contact bank officer to customize your Check Imaging report.
How does Check Imaging relate to Internet Banking?
If you are an Internet Banking user, you will be able to view the images (both front and back) of all checks and deposit slips that are posted to your account as soon as they are processed. If you have not yet signed up for Internet Banking, please visit our website at www.bacflorida.com to enroll or contact your bank officer.
Do I need to apply for Check Imaging?
No. Check Imaging has replaced receiving individual cancelled checks for all customers. There is no need to apply for check imaging– this is an automatic service. And best of all, there is no charge for this added convenience.
How can I make sure my imaged copies are legible?
Your imaged copies will be clearer if you use black or blue ink. You should not write with red ink since this color does not image well. Our check designs are “image friendly”; however, if you experience any problems, please contact us.
What if I need an original check, is it available?
Yes. The bank will keep your original cancelled checks for 90 days after the statement cycle and destroy them thereafter. You may request an original check by contacting your bank officer. A fee may apply for check retrieval.
Can I choose to continue to receive my cancelled checks?
Yes. You may arrange to continue receiving your cancelled checks by contacting your bank officer. There is a monthly fee for this service.
What other services are available with Check Imaging?
You can receive a CD-ROM with digital images of your statements and cancelled checks (front and back). Each CD-ROM holds up to 30,000 images and is ideal for accounts with high transaction volume. The self-contained software allows for easy retrieval by check number, dollar amount and date. There is a charge for this service.
Mobile Banking Questions
What is Mobile Banking with Check Deposit?
BAC Florida Bank Check Deposit allows you to deposit checks to any of your BAC Florida Bank checking, savings and money market accounts using the camera on your mobile phone. You must send an Internal Electronic Message via My e-BAnC requesting access to the Check Deposit service. If access is granted, using the My e-BAnC Mobile application for the iPhone®* or Android*, login and select the “Deposits” icon and then the account where you would like to deposit the check, enter the amount of the check and take a picture of the front and back of the check, tap on “Deposit Check” and the deposit is complete!
What do I need in order to use BAC Florida Bank Check Deposit?
To use the BAC Florida Bank Check Deposit service you must have the following:
Where do I find the Check Deposit option in “My e-BAnC Mobile” application?
As soon as you log in identify the icon that reads deposits and click on it.
Who is eligible to use BAC Florida Bank Check Deposit?
The Mobile Banking Service is available to Consumers who are enrolled in or are eligible to enroll in our Online Banking Services and have:
How do I request Check Deposit?
Send an Internal Electronic Message via Online Banking to activate your Check Deposit service. Please specify the accounts you would like to enroll.
May I enroll more than one account for Check Deposit?
Yes. You may enroll as many checking, savings and money market accounts as you like for Check Deposit as long as you qualify for the service.
Do I need to use a deposit slip to make a deposit through Check Deposit?
No. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.
Should I endorse my check before taking a picture?
Yes. Checks without proper endorsement may be returned unpaid. Additionally, your account number must be written in the back. Please keep in mind that BAC Florida Bank does not accept any checks with double endorsement.
What type of checks can I deposit with Check Deposit?
Checks made payable to you and drawn on a bank within the United States can be deposited through Check Deposit. Some business size checks (the long ones) may not work with Check Deposit.
The following examples are types of payments/checks which cannot be deposited through Check Deposit:
Are there limits for deposits made through Check Deposit?
Check Deposit limits are four (4) checks on any given day for a total not to exceed $1,200 per day and more than ten (10) checks on any given month for a total not to exceed $5,000 unless otherwise agreed to by the Bank in its sole discretion.
When will funds be made available to me from deposits made by Check Deposit?
Check Deposits will generally be made available to you on the business day following the deposit date. Deposits are subject to verification. Provisional credit is not granted for Check Deposits (for cut off times, please see the next question).
What is the cut off time?
The cut off time is 5PM for checks to be available on the next business day. Any checks deposited after 5 PM, will be credited to your account on the second business day following the deposit date.
What do I do with the check after I deposit it through Check Deposit?
Once you verify that the funds have been applied to your account correctly, you should shred the check.
What are your Text Banking commands?
HELP – BAC Florida Bank website address and phone number
STOP – disable text banking for the enrolled mobile device (To reactivate, login to Online Banking.)
LIST – list of available commands
*iPhone is a registered trademark of Apple Inc. and Android is property of Google Inc.