Frequently Asked Questions (FAQ)

	General Issues
1.	What if I have a question that's not listed here?
2.	What requirements must I meet?
3.	I'm going on vacation, can I still use Klick^sm Banking?
4.	How do I enroll?
5.	Can I make changes after I've signed up?
6.	Can I access my account from another person's computer?
7.	How much does it cost?

	Klick^sm Banking
1.	How do I access my account?
2.	What are my Klick^sm Banking ID and Klick^sm Banking PIN or Password?
3.	What if I forgot my Klick^sm Banking PIN or enter it incorrectly?
4.	Help! I'm locked out of my account!
5.	What is a MEMO Check/Debit/Preauth, etc.?
6.	Can I view images of my checks online?
7.	Where can I find images of my checks?
8.	What if I have a problem when using Klick^sm Banking?
9.	Can I change my Klick^sm Banking PIN online?
10.	Can I change my Klick^sm Banking ID online?
11.	My accounts are listed as Checking 1, Checking 2, Checking 3, etc. How can I change them?
12.	How frequently is my Klick^sm Banking information updated?
13.	Can I look at my transactions anytime?
14.	What is the difference between current balance and available balance?
15.	How current is the information about my accounts?
16.	When will payments or transfers take place?
17.	I have accounts on two different Klick^sm Banking ID numbers, can I transfer between them?
18.	What happens if I transfer more than my loan payment?

	Klick^sm Bill Pay
1.	How far in advance should I set up a payment to insure it is paid on time?
2.	Until what time can I change or delete a scheduled Bill Pay?

	Security Issues
1.	What about my privacy?
2.	What is a cookie?
3.	When I try to log in, I get an error message saying to update my browser to 128-bit SSL. What does this mean?
4.	How do I avoid the most common form of bank fraud?
5.	What security measures are in place to protect my information over the internet?