AJ Smith Online Banking and Bill Pay

With AJ Smith's Online Banking and Bill Pay, postage is a thing of the past!

No more checks to write.

No more trips to the post office or your mailbox.


  • All transactions are 256-bit Encrypted.  What this means to you is that all  your transactions are totally secure.

  • Check account balances

  • View and print account statements

  • View and download transaction history including today's transactions

  • Transfer funds between accounts

  • Make loan payments

  • Export transactions to a Personal Financial Management tool such as Microsoft Money or *Intuit's Quicken (*not compatible with all versions of Intuit's Quicken.  Click here for details)

  • Make stop payments

  • Pay bills  (free optional enrollment required)

We Make It Easy For You



Before enrolling...

 please read our FAQs below and view the suggested settings for your browser by clicking here.


 Enroll Now


Would you like to see how it works before you enroll?

   Take a "Test Drive" by clicking the button below

Bill Pay Demo



Updated February 11, 2014


Q.  I am interested in using Internet Banking and Bill Pay, but I really don't know how to get started.

A.  First thing you should do is read through the following Frequently Asked Questions (FAQ). This may help with your concerns. Once you have read through the FAQ and feel you are ready to sign up, click on the "Enroll Now" button on this page, you will be redirected to the "Access" page.  Click on "First Time Log In" towards the top middle of that page, answer a few question and click the "Submit" button. It's that simple.  If you still have questions, please come in or contact one of our offices for further help.  We will be happy to walk you through signing up for Internet Banking


Q. What do I need to get started with Internet Banking?

A.  A personal computer with Internet access, an email address, and an AJ Smith Federal Savings bank account.


Q.  What Internet browser should I be using?

A. The following browsers are the tested and supported for AJ Smith Federal Savings Bank's Internet Banking.  The preferred browser for Online Banking is Microsoft's Internet Explorer (IE).  This list refers to production versions of publicly released browsers as of November 15, 2013:

  • Microsoft Internet Explorer (IE) for Windows from Version 7.0 to 11.0
  • Apple Safari 4.0 to 6.0
  • Google Chrome
  • Mozzile Firefox
  • Opera

Q.  What about Internet browsers not list on the supported list?

A.  Any browser that is not in the Internet Banking Supported Browser Software list above is unsupported.  That does not mean that it will not work with Internet Banking, just that it is not specifically tested to ensure that it does fully function with Internet Banking.


Q.  I'm an AOL user and having some problems, what do I need to do to to use Internet Banking?

A.  If a customer uses AOL and experiences any problems with Internet Banking, it is recommended that the customer connect to the Internet using their AOL Browser, but then minimize the AOL Browser and launch an external browser such as Microsoft Internet Explorer (IE) or another support browser to access Internet Banking.  Even though AOL uses Microsoft’s Internet Explorer (IE) as part of their software, there have been modifications performed to AOL’s browser and because of these modifications, it may not be compatible or work properly with our Internet Banking site.


Q.  Do I need to turn on or turn off Pop-up Blockers?

A.  Although Pop-Up Blockers built-in to any browser that appears on the Internet Banking Supported Browser Software list above are allowed, Pop-up Blockers installed as a plug-in,  such as “Google” or “Yahoo” toolbar pop-up blockers, may cause problems.  It is recommended that these plug-in pop-up blockers be turned off or pop-ups should be allowed when using these toolbars for our Internet Banking site.


Q.  Is there any known problems using Anti-Virus, Anti-Spam or Anti-Spyware software with your Internet Banking System?

A. Anti-Virus, Anti-Spam or Anti-Spyware software should not cause any problems with our Internet Banking System. Please be aware though that because of the vast amount of virus, spam and spyware software solutions and configurations available for any one PC, all software and all configurations just could not be tested.  Our recommendation is that if you encounter a problem with Internet Banking and you feel it is one of these software solutions causing the problem, contact the software developer and explain your situation.  They should be able to determine if their software is the issue.  If you fail to get results from the developer, you may want to try and uninstall the software and try our Internet Banking System again.

Q.  What are the times, hours and/or days that I may schedule online transfers between AJ Smith Federal Accounts. And... If I'm a Online Bill Pay customer, what are the times, hours and/or days that I must schedule payments by?

A. Although Online Banking and Online Bill Pay are avaliable 24/7, transactions submitted after the ending time/dates below will not take place or be posted to your account until the following day and/or time. Please note that times are different for Online Banking and Online Bill Pay.

Online Banking

Monday thru Friday - 7:00am - 10:00pm
Saturday - 7:00am - 7:00pm
Sunday - Transactons submitted on Sundays will not be processed until Monday at 7:00am
No Holidays

Online Bill Pay

Monday thru Friday until 3:00pm

Any transactions submitted after 3:00pm on Friday will not process or be sent until Monday at 3:00pm

No Holidays


Q.  Do you have any suggestions or recommended settings for my supported browser to allow better compatibility with Internet Banking?


**NOTE** - Although we strive to offer the best support possible, we can not help locate and/or configure setting nor can we be responsible for adverse results you may encounter with other web sites, should you make these changes. This is simply beyond the scope of our support.


For the most Up-To-Date Suggested Browser Settings, please click here.



 Security Objects

When Layered Authentication binds a user to a device, it will place a JavaScript cookie and a Flash object (if Flash is installed) on their computer.  If both objects are not available when a user next logs into retail internet banking, even if a user is bound to the device they are currently using, they will be challenged.  As a result, if a user does not have Flash installed and has a cookie manager delete their cookies or manually deletes their cookies upon exiting, they will be challenged when they next login.  Clearing cookies and cache is a standard troubleshooting practice and can still be used with the understanding that the user may be challenged next login.  Note, that clearing cookies and cache within IE does not delete the Flash object.

Q.  I have an older computer running an older version of an operating system like Windows 98, will it still work with your Internet Banking System?

A.  Your computer must meet the Operating System and Hardware requirements stated by the developer of each supported browser.  This means that if you have a browser installed on your PC, but your Operating System (older operating systems such as Windows 98 or older PCs without enough memory, hard drive space, etc.) is not supported by the installed browser, then your computer system is more then likely, incompatible with our Internet Banking System.


Q. Is Online Banking secure?
A. Yes. To ensure that your personal information is secure, we take several precautions. You must enter your User ID and Password to enter our secure area. Your password is stored in an encrypted database and even we can't decode your password. We use Secure Sockets Layer protocol to ensure that your information is secure from outside inspection. 128-bit encryption to make your information unreadable over the Internet. If you are inactive in our secure area for more than 20 minutes, your session will automatically be terminated.
Should someone attempt to access your account portfolio using an incorrect password more than four times, A.J. Smith Federal Savings Bank will lock out the entire session from use. The lockout can only be cleared by an A.J. Smith Federal Savings Bank employee.

Q.  Do you have any safety suggestions or tips for using Internet Banking?

  • Avoid sending personal and/or financial information in an e-mail.

  • If you receive an e-mail that warns you that your account will be shut down unless you confirm your account information, do not reply or click on the link in the e-mail. Instead, contact the A.J. Smith Federal Savings Bank by telephone.

  • If you receive an e-mail but didn't sign up for Online Banking, please contact us for further assistance.

  • Passwords will only keep outsiders out if they are difficult to guess! Don't share your password, and don't use the same password in more than one place. If someone should happen to guess one of your passwords, you don't want them to be able to use it in other places. The golden rules of passwords are: (1) A password should have a minimum of 8 characters, be as meaningless as possible, and use uppercase letters, lowercase letters and numbers, e.g., xk28LP97. (2) Change passwords regularly, at least every 90 days. (3) Do not give out your password to anyone!

  • Do NOT write your password down anywhere!  This is one of the most common mistakes a computer user makes when choosing a password.  Don't write it, Memorize it.



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