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Cash Management
Most Frequently Asked Questions
System Requirements
What type of system do I need in order to support Johnson On-Line Cash Management?
- Macintosh or IBM compatible PC
- Browsers newer than Netscape Navigator 6.0 or Microsoft Internet Explorer 5.5 or 6.0
- A browser that enables JavaScript’s and cookies
- Resolution of 800x600 pixels or higher
- Modem and phone line, or a direct connection to the Internet
Security
How does Internet/On-Line Banking security work?
Imagine sending a letter to an associate. 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 100 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to your associate's office. Once there, the associate 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.
If we sent information through the traditional manner of one letter, one carrier and one route, it would be easy for a criminal to find the truck carrying your letter and pick it out. So we use the 100-carrier method, otherwise known as RSA public-key cryptography. It's become a standard on the Internet wherever private or sensitive information is concerned. The government uses it, the financial industry uses it, and now, so can you.
Security has always been a top priority with Johnson Bank. It will continue to be so by adopting new technologies only after they've passed our unchanging business principles of confidentiality, flexibility, commitment and stability. To have it any other way would not only endanger your finances, and in turn, our reputation, and that is never good for business.
Are there any other security issues I should be aware of?
One issue you should be aware of involves your browser. For added security it is important to log off and close your browser when you have completed your transactions in Johnson On-Line Cash Management. In addition, some browsers contain the ability to retain information in memory. In this instance, check the preferences of your browser to heighten the security or turn its memory capabilities off. Check with your browser's customer support for more information.
How
do I get Internet Access?
Check your local Yellow Pages under Internet On-Line Service
providers.
What is a cookie?
A cookie is a piece of data passed to your browser. On-Line
Banking uses cookies inside the secure banking environment to keep track of
your session data. Basically it tells our system that you've already logged on
as a valid user. Without this cookie data, you would have to log on every time
you wanted to move to another banking screen. When you hit the Exit button to
leave the bank, the cookie data is flushed from your system.
Newer browser versions have a feature that allows you to be
notified when a cookie is being handed to your system. You can disable this
option in the Network Preference/Protocols area.
What is a JavaScript?
JavaScript is used in Web site development to do such things as:
- Automatically change a formatted date on a Web page
- Cause a linked-to page to appear in a popup window
- Cause text or a graphic image to change during a mouse rollover
To keep my banking information private, what recommendations do you have?
- Use the recommended version of either Netscape Navigator or Microsoft Internet Explorer. Both of these browsers are certified for use at our 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 Exit button located at the top and bottom navigational toolbars and then close your browser. Once you have ended your session, no further transactions can be processed until you sign on to the system again.
Browser Questions
While
trying to go back to a previous page I was taken back to the log on screen. Why
did this happen?
Sometimes using your browser's back button will cause you to
be logged out of Johnson On-Line Cash Management. For security reasons some
pages are automatically expired so that you cannot return to them. By using the
menu bar on the left side of most pages, you should not encounter this problem.
How
can I tell if I have a secured connection to Johnson On-Line Cash Management?
The visual indicators of a secured connection vary from
browser to browser. The following is a listing of all the major browsers and
their methods of indicating a secured connection.
- Netscape Navigator 6.1 and above - look for an icon of a lock in the bottom left corner of the browser. If it is in a locked position, you have a secured connection. If unlocked, you have an unsecured connection.
- Microsoft Internet Explorer 5.5 and above - A small lock will appear in the bottom bar of the browser to indicate a secured connection. If you don't see a lock, you don't have a secured connection.
What do I do if I receive the following message: "Server is busy or is not
responding"?
Check the location/address box and make sure that the
address was typed properly. A complete web address is in the format
http://www.johnsonbank.com/CM. Sometimes you will receive this message when the
server is busy. Try again to connect and the connection should go through. If
after three attempts you still do not connect, please call the Johnson Customer Support
Center at
1-888-769-3796.
When I sign
into the Johnson On-Line Cash Management site I get a message stating I need to
download and install Microsoft Virtual Machine. What is this?
Virtual machine interprets and runs
Java applets and applications on our web site and guarantees a level of
uniformity in the way Java is executed on almost any configuration of hardware
and software. This program is necessary
for you to use Johnson On-Line Cash Management.
To install on a standalone PC simply follow the
directions after you hit "Download". If
you are on a network you should contact your Information Systems Department to
properly load this on your machine.
Can I use America Online?
Our system has only been tested with the browsers listed in
System Requirements. While you can establish an Internet connection through
AOL, we recommend that you use one of the certified browsers when accessing JOCM.
Help
Sources
If you still have questions regarding your browser, we
encourage you to contact the appropriate company that created it through the
normal customer support channels. However, if you have any questions regarding
On-Line Cash Management or your accounts, contact the Johnson Customer
Support Center
at 1-888-769-3796.
The
Login screen for Johnson On-Line Cash Management asks for four codes to be
entered. What is the purpose of these
codes?
| Company ID |
This is the unique identification code assigned to your company by Johnson Bank. |
| Password |
The password selected by the Company Administrator as the password for your company. Johnson Bank assigns the initial password when your company is set up on Johnson On-Line Cash Management. The Company Administrator is prompted to change this password during the first log-in. |
| User ID |
The unique identification code assigned to each user within your company. Johnson Bank assigns the Company Administrator User ID. The Company Administrator establishes all other company User IDs. |
| User Password |
The password selected by the user to gain access to Johnson On-Line Cash Management. Johnson Bank assigns the initial password for the Company Administrator. The Company Administrator assigns all the initial passwords for the Users. This password should be changed after the initial login.
ALL PASSWORD MUST BE KEPT CONFIDENTIAL TO PREVENT UNAUTHORIZED ACCESS TO YOUR COMPANY’S ACCOUNTS |
How do I change my password?
Go to the Administration tab and click on change user
password. Enter your old password, new
password and the new password again. Click on the Update button and wait for confirmation.
When I try to sign on to On-Line Cash Management I receive a message saying "Login failed, retry." What happened?
It is possible that you have entered your User ID and/or password incorrectly. The
password is case sensitive, so we recommend that you verify that your Caps Lock
button is not turned on and that you have copied the password down correctly.
If you are a user and unable to access your account information contact your
company administrator. If you are the company administrator, please call the Johnson Customer Support
Center at 1-888-769-3796.
What
types of accounts can I see through Johnson On-Line Cash Management?
At this time you are able to see all deposit accounts
(checking, savings, money market and CDs), loan accounts and lines of credit.
What
are the differences in all the Balances shown on the Account Summary Screen?
| Balance |
This is your current intra-day balance. It is the ledger balance plus or minus any current day activity (i.e. wire transfers, ACH debits/credits, and deposits.) |
| Available Balance |
Amount of funds available for withdrawal. Calculated as the ledger balance plus or minus the current day’s activity less any on-line float (the temporary float assigned to the current day’s deposit) plus any related investment sweep balances. |
| 1 day, 2 day and 2 + day Float Balances |
The portion of your ledger balance that is comprised of checks that have been deposited into your account but have not yet been collected from the bank on which they were drawn. |
| Ledger Balance |
The closing balance from the prior business day. |
| Collected Balance |
The Ledger Balance minus total float. |
How
can I view the transactions on the accounts displayed?
From the account summary screen,
find the account you wish to view and click on the "Type" description of the
account (it appears in a different color and your mouse pointer will change to
a hand when on this area).The prior day
and current day activity will automatically display. To change the date range,
enter a new starting and ending date in the history range. If you want to view a different account, simply
use the drop down box to select the new account.
What
do the descriptions mean for Loans on the Account History Screen?
| Regular Payment |
A payment made by the company to the loan. |
| Syst Gen Pymt |
An automatic payment drafted from the company account. |
| Note Increase |
A manual draw against your Line of Credit. |
| Online $ |
A transaction processed by our Loan Operations Department. This can be either a debit or credit transaction. |
| Sweep/Increase |
An automatic draw from the Line of Credit to the company checking account to bring the account to its target balance. |
| Sweep/Decrease |
An automatic principle reduction to the Line of Credit from the company checking account of excess funds in the checking account. |
How
long will my activity be available on Johnson On-Line Cash Management?
You can retrieve up to 60 days worth of activity.
Can
I place a stop payment on a check through Johnson On-Line Cash Management?
Stop payments can be placed on a range of checks or on an
individual check. The request is immediately sent to Johnson Bank.
Can
I make a payment to our company's loan through On-Line Banking?
The Line of Credit pay down and draw feature is available through the
Book Transfer service. Access to these
accounts is subject to the terms of your loan.
Can
I export data to Quicken or QuickBooks?
Johnson On-Line Cash Management includes an export feature
within the Account Detail Screen. A file
containing transaction details can be downloaded into QuickBooks, Quicken, or a
comma delimited format. Data is exported on an account by account basis.
Can
a message be sent to me when an account reaches a certain balance, e.g. more
than $5,000.00?
The Company Administrator sets up Balance Alerts. Johnson
On-Line Cash Management will automatically send an email message to the address
entered if a selected account balance rises above or falls below a specified
amount.
Why
is the account I want to debit or credit is not displayed when I try to do a
book transfer?
One
reason the account is not showing is because transfer access to the account has
not been authorized by your company or company administrator. If you would like
to the ability to do this transfer, have your company administrator add access
to this account. If the company has not
given access to this account, have an authorized signer from your company
contact the Johnson
Customer Support
Center at 1-888-769-3796.
If
access to the account is authorized, the account will not show in the sending
field if the available balance is zero or a negative amount.
When
do pending transfers post to the account?
There are two times when a pending transfer will post to the
account, approximately 7:00 a.m. and 2:00 p.m. CST. If the transfer did not occur in the first
posting, it will post at the second, provided the funds are available in the
sending account. If the funds are not
available by the second posting, the transfer will not be done and you will
receive an e-mail message that the transfer was not completed. The failed transfer will still appear in the pending
transfer screen until you delete it.
If you selected a non-business day for your transfer, the
transfer will occur on the next business day.
Can
I tell which individual at the company performed transactions?
Transaction logging information is maintained within Johnson
On-Line Cash Management and is accessible through the Activity Reporting
feature available to the Company Administrator.
Bill
Payment
Is
there a dollar limit per payment sent through Johnson On-Line Cash Management?
Yes, the maximum dollar amount per payment is $9,999.99. The
maximum amount per day is $99,999.99. This number does not include transfers
between accounts.
What
Bill Payment information is stored by Johnson On-Line Cash Management?
The system only stores the Bill Payment system
identification and preference settings.
How
far into the past is Bill Payment history available?
Currently, three months of Bill Payment history is
available.
Is
the Bill Payment system real-time or batch?
The Bill Payment system is a batch-type system as payment
requests are only processed once per business day.
Are
recurring payments possible?
Monthly, semi-monthly and weekly recurring payments can be
scheduled.
To set up the recurring payment, go to the Add/Edit Merchant
screen and select recurring payments.
Are
the payments made electronically or by check?
Payments are made by both methods depending on whether Bill
Payment Services has established an electronic payment relationship with the
payee.
Can
any vendor be paid using the Bill Payment system?
Yes, the Bill Payment system can be used to pay anyone that
accepts a check, with the exception of government agencies such as the IRS.
Can
my business pay bills over the weekend?
Payments can be setup during the weekend, but payments are
never processed on weekends. Recurring payments scheduled for a weekend day
will be processed on the following business day.
Is
the bill actually paid on the processing date or the date that my account is
debited?
Neither, your account is debited approximately one to two
days after the processing date. That means that the ACH process is initiated or
the check to the payee is printed and mailed. It is important to remember that
the processing date displayed by the system only reflects the date that processing
is initiated. You must select a processing date of four business days prior to
the due date for electronic payments and ten business days for check payments.
How
long does it take payments to be received by the payee?
It depends on the type of payment process (Electronic or
Check). A payment may take between four and ten business days from the
processing date to reach the payee.
What
is the cut-off time for payments to be processed on the following business day?
The cut-off time is 11 p.m. CST.
Why
aren't all payments sent to the payees electronically?
Not all payees can or are willing to accept electronic
payments. In fact, most small businesses cannot accept payments electronically.
When should the "recurring payment" function be used in setting up a payee?
The recurring payment function is only used for bills that
are paid at regular intervals (weekly, semi-monthly, or monthly) and have a
fixed payment amount.
What
should I do if I see an electronic payment point for a payee that I am setting
up, but the address does not match the one on my bill?
Add the payee and information from the bill as an "unlisted"
payee.
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