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Check our Frequently Asked Questions for help...
We developed these Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered, e-mail us at douglascountybank@banking.com. To begin solving your problem, view our categories below.
Banking FAQ
Q Are Douglas County Bank deposit accounts FDIC insured?
A Yes! The deposits of each individual customer at Douglas County Bank is insured by the FDIC up to $100,000. Joint accounts can also be insured up to an additional $100,000.
Q How do I set up direct deposit of my payroll or Social Security check?
A Just pick up a Smart Choice transfer form and fill out the information for “Direct Deposit”. Return your completed form to us, and we'll do the rest!
Q What products can I apply for online?
A You can apply for any personal checking, savings or money market account, as well as personal loans. Simply select the account or loan you'd like to apply for from the “consumer accounts” menu.
Q Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?
A As stated on our application, at this time we only accept applications from persons residing in the United States with valid US tax identification numbers (Social Security numbers). If you have questions, contact us. We'd like to hear from you.
Q Can I look at all of my transactions at any time?
A Yes! With online banking, you have access to your account information 24 hours a day, seven days a week! You can also access this information by phone at any time, by calling (785) 865-7676.
Q How frequently is my Douglas County Bank information updated?
A Douglas County Bank updates all customer information nightly. Whether you access our online banking site or our telephone banking service, your account information is updated every 24 hours to reflect all account activity.
Q Are wire transfers possible to and from my Douglas County Bank checking account?
A Yes! Call our customer service department at (785) 865-1038 for details.
Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit, ATMs or ACH transactions. Douglas County Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details regarding a method that's best for you.
Online Banking FAQ
Q How do I access Online Banking?
A After your Douglas County Bank checking application has been approved, simply click on the words Online Banking on any of our Web pages. When using Online Banking for the first time, new users click on the “Click Here” button to register.
Q After I have signed up online for electronic bill payment, how long does it take for my User Kit to arrive in the mail?
A Once you have completed the sign-up form at the Web site, your User Kit will arrive in the mail within 5-10 business days.
Q How long does it take to set up a new payee in the bill payment system?
A Once you have entered a new payee into the Electronic Bill Payment System, it takes one business day to set up the payee to receive payments.
Q Even though it takes one business day to set up a new payee, can I still enter a bill payment to the new payee?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately one business day.
Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.
Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee’s account within 1-3 business days; whereas, a paper check will take up to 10 days.
Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.
Security FAQ
Q I'm still hesitant about banking online. Can other people see my account information?
A Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.
Q What about filling applications out online? How secure is that?
A Filling out applications online is as secure as the Online Banking System. Your entire session, from beginning to end, is encrypted. Our system supports 128-bit encryption, so you can also use the latest browser from Netscape or Microsoft that supports this security level. In fact, the highest encryption Netscape and Microsoft browsers support is 128-bit, so you will be using the highest bit encryption currently available if you use a 128-bit encryption capable browser.
Q I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?
A Encryption is basically a way to rewrite something in a code, which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then send it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.
E-mail to us from you is not encrypted. Therefore, if sending sensitive information (including account numbers) in an e-mail, it is best to use our “Guest Book”.
Q What about information that is stored? Is it encrypted as well?
A Information stored on our system is also encrypted using at least 128 bits.
Our site works best with the following browsers:
PC users Internet Explorer 5.5 and above
Mac users Internet Explorer 5.5 and above, Safari 1.3, Opera 7.5
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