Online Banking – Help & Frequently Asked Questions
- What is Online Banking?
- What can I do with Online Banking?
- How much does Online Banking cost?
- What do I need to enroll for Online Banking?
- Can I begin using Online Banking immediately?
- How do I sign in?
- What if I forget my Online Banking Login ID or password?
- What kind of computer equipment and software do I need for Online Banking?
- What should I do if my browser is rejected?
- What security measures does Online Banking use?
- Is Online Banking secure?
- What does SSL mean?
- What is encryption?
- What is 128-bit encryption?
Online Banking is an Internet-based service that provides you a safe and convenient way to do your banking. With Online Banking, you can view your account balances, transfer funds, view cleared checks, send service requests to the bank and more.
With Online Banking you can:
- Check current balances on personal checking, savings, money market, Certificates of Deposit (CD), Individual Retirement Accounts (IRA) and business checking accounts.
- Transfer funds between your accounts.
- View up to 12 months of account activity for your accounts.
- View cleared check images.
Send online customer service requests to:
- Reorder checks.
- Inquire about a specific transaction.
- Inquire about opening a new deposit account.
- Ask a technical question.
- Send and receive secure messages or questions from customer service.
Online Banking is free of charge.
- A deposit account with First Summit Bank
- Internet access
- One of the following recommended Internet browsers
- Microsoft Internet Explorer 5.5 and higher
- Netscape 6.2 and higher
- An e-mail address
Upon completion of the Internet Banking sign-up form, the Bank will review your information submitted within one (1) business day. Upon approval, you will receive an email notice from the Bank welcoming you to the Internet Banking system.
You may also sign-up for Internet Banking on-site during normal business hours.
After approval, access to your accounts is available 24 hours a day, 7 days a week.
Just go to www.fsbryan.com and enter your Login ID and password in the sign in box on the left side of the page.
If you forget your Login ID or password, you should call Customer Service at 580-757-2221.
A computer, a modem (28.8 or higher recommended), Internet access and a 128-bit encrypted browser - Netscape Navigator 6.2 or higher or Microsoft Internet Explorer 5.5 or higher.
If you're using an older browser version that is no longer compatible with Online Banking you can go to the Netscape or Microsoft web sites and download a new browser version (www.netscape.com or www.microsoft.com). We do not recommend that you download beta versions. Once you have completed the download and installation of the recommended browser, you can return to the sign in screen and sign in to Online Banking.
Online Banking uses several different methods to protect your information:
All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and First Summit Bank.
At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact First Summit Bank's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.
Secure Socket Layer (SSL) protects data in three key ways:
Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating First Summit Bank.
Encryption scrambles transferred data.
Data integrity verifies that the information sent by you to First Summit Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
Yes. First Summit Bank is committed to making Online Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 128-bit SSL encryption.
To help protect your privacy while you are using the service, we will sign you out of the Online Banking service after 20 minutes of inactivity.
SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through our use of SSL technology.
Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to First Summit Bank. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and First Summit Bank, encryption protects your account information so it can't be intercepted and read by a third party.
There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. First Summit Bank uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.Back to Top