Smith Online Banking and Bill Pay
With AJ Smith's Online Banking and
Bill Pay, postage is a thing of the past!
more checks to write.
No more trips to the post office or your
All transactions are
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.
Make stop payments
Pay bills (free optional
We Make It Easy For You
please read our FAQs below
and view the suggested settings for your browser by clicking
Would you like to see how it
works before you enroll?
Take a "Test
Drive" by clicking the button below
QUESTIONS (FAQs) about Internet Banking
Updated February 11, 2014
Q. I am interested in using
Internet Banking and Bill Pay, but I really don't know how to
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?
personal computer with Internet access, an email address, and an
AJ Smith Federal Savings bank account.
Q. What Internet browser
should I be using?
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
about Internet browsers not list on the supported list?
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
an AOL user and having some problems, what do I need to do to to
use Internet Banking?
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?
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?
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.
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
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
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
When Layered Authentication binds a user to
(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?
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
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
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.