Online Banking can be accessed directly from the Hillcrest Bank Florida web site located at www.hillcrestbankfl.com. Login information can be entered in the box in the upper left hand corner. You can also access online banking by clicking on the "Online Banking" tab on the bar at the top of the home page.
Online Bill Pay allows you to pay your bills 24 hours per day, 7 days per week from anywhere that you can access the Internet.
Bill Pay allows you to set up your payee information and use it over and over to make payments to anyone you would pay by check. You can pay the person who mows your lawn or the cable TV company or your mortgage payment. Anyone that can be paid by check, can be paid through Bill Pay.
If the payee is on the list of companies who accept payment electronically, you can set the payment up to pay electronically. If the payee can not be paid electronically a check will be created and mailed. When the payee actually deposits or cashes the check, the item will appear in your account just like any other check and you will be able to view an image.
After I make a bill payment, how long does it take for the money to be debited from my account?
A
If the payment is made electronically, the funds will be debited electronically from your account within 2 business days starting on the business day following the payment date. If the payment is by check, the funds will be withdrawn from your account when the check is presented at Hillcrest Bank Florida for payment.
How long does it take for a payment to reach the payee?
A
An electronic payment will access the payee's account within 2 business days. If the payment is made by check, you should allow the same amount of time for it to get to the payee as you would if you mailed it yourself. We recommend allowing 7 - 10 business days to ensure the payee receives the payment on time.
In order to make your online banking experience as secure as possible we are introducing a new
security feature. Most of the time your online banking experience will be the same as it was
before, only now you will have an extra layer of security working behind-the-scenes to protect
your account. The new security may – very infrequently – prompt you to verify your identify
before continuing. This means you can now bank online with a renewed sense of confidence.
As our customer, we know how you typically behave: what types of transactions you conduct,
when and from where. If we detect any activity that does not seem like your typical behavior, we
will prompt you to further verify your identity—so that we can ensure it is you and not a
fraudster attempting to comprise your account. This will only happen on rare occasions.
Normally you will not be asked for any additional information. For example, if someone tries to
sign in with your user name and password from a computer in a foreign country shortly after you
have logged off from your normal computer at home, we may decide to verify that it is really you
trying to access your account.
You will only be prompted to enter additional information when a particular activity or transaction
appears to be unusual or uncharacteristic of your typical behavior. You will also be prompted to
enter your information when you are first prompted to set up your security information.
Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to
how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
How are you able to detect unusual or uncharacteristic behavior?
A
The security system takes into account factors such as the type of transactions you ordinarily
perform, the computers you typically use to access your account, or the typical security settings
for your computer. Hundreds of factors, such as these, create a profile that is unique to you that
allows us to make decisions about whether the person conducting a given activity and transaction
within your account appears to be really you.
Will I be asked for more information all the time now?
A
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.
If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly or answer a call at one of the numbers you provided before being able to access your account or complete a fraudulent transaction. If the user is able to provide this information. This added layer of security helps us protect your online account at all times.
I already have anti-virus and a personal firewall. Why do I need this?
A
We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against another kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.
eStatements is the electronic delivery of your statement to the e-mail address of your choice. Once your statement is created, you will receive an e-mail with a PDF document. You will open the .PDF document and then login using your hInternet Online Banking credentials.
Signing up for eStatements is quick and easy. Simply log into the secure hInternet Online Banking, click ES on the menu bar at the top of the screen and follow the enrollment process.
Will I still receive a paper statement in the mail?
A
No. After enrolling in eStatements you will only receive the paper statement once in the mail with your first email notification. After that all statements for enrolled accounts will be sent only to your e-mail address.
How long are statements retained through eStatements?
A
You may access your statement for up to 60 days through the e-mails that you receive or through the eStatements menu of hInternet Online Banking. However, you can access your statement for up to 15 months through the hInternet Online Banking menu of hInternet Online Banking.
Consumer online banking with bill payment is now available and it’s FREE. Click Enroll Now to apply.
Check out our new SMART h Checking account with the advantages of unlimited check writing and the tiered interest rates of a money market account!
Customer Information
Center: (239) 254-2999 or (866) 516-2999 24-hour Telephone Banking Number (239) 254-0331 or (866) 461-0331
Unauthorized access or use of this web site is not permitted and constitutes a crime
punishable by law (18 USC 1030).
