1. What options are available with e-Banking?
2. If I bank online using e-Banking, can I view all of my Hancock Bank accounts?
3. One of my accounts does not appear on e-Banking. How can I determine if a "block" has been placed on one of my accounts?
4. How frequently is my Hancock Bank account information updated within e-Banking?
5. For a Hancock Bank deposit account, what is the "Available Balance?"
6. I transferred money using e-Banking, but I don't see the transferred amount reflected on my accounts. Why?
7. Can I stop or modify my request to transfer funds?
8. What if I don't sign on to e-Banking on a regular basis?
9. Will e-Banking be available even if we're hit by a disaster?

1. Is my online communication with Hancock Bank secure?
2. How do I change my User ID and/or password?
3. I forgot my User ID and/or password that was sent to me. What should I do?
4. At sign-on, I get an error message stating "The validation information entered is invalid. Please verify and re-enter." Why?”
5. Why do I receive an error stating "Your interactive session is no longer active?"

1. When I try to access e-Banking, I receive a "Browser Incompatible" error. What should I do now?
2. How do I upgrade my browser to 128-bit high encryption?

1. Is e-Pay available to everyone?
2. I'm an e-Banking customer, how do I sign up for e-Pay?
3. I'm not registered for e-Banking, can I sign up for e-Pay?
4. How does e-Pay work?
5. Do I have to log in to e-Banking in order to access e-Pay?
6. I scheduled a payment and it wasn't paid or the payment arrived late and I was assessed a late fee. What do I do?
7. When are funds taken from my account to complete my e-Pay transactions?
8. What happens to my Internet Bill Payment if I don't have enough money in my account to cover the payment?
9. How do I make a same-day or next-day payment?

1. I'm an e-Banking customer, how do I enroll in e-Statements?
2. I'm not registered for e-Banking, can I sign up for e-Statements?
3. What are the computer requirements necessary for e-Statements?
4. Are e-Statements available for all of my accounts?
5. Will I still receive inserts and disclosures with my e-Statement?
6. How and when will my first e-Statement be available?
7. If my e-mail address changes, how do I notify Hancock Bank?
8. Can I cancel the e-mail notification that my statement is ready?
9. How do I view my e-Statement?
10. How many statements can I access through e-Statements?
11. I currently receive check images with my statements; will these be included in my e-Statement?
12. How do I save my e-Statement?

More questions? Contact us.

Registering for e-Banking is a simple process that takes only a few minutes. If you have an ATM or debit card, go to Register for e-Banking and complete the registration pages that follow.

First, you'll be prompted for your ATM or debit card number, one of your account numbers and your Social Security Number. This tells us who you are and which accounts are yours.

Next, you'll be asked for information related to the account that you just entered (for example: "What was your last deposit amount?"). This helps us confirm that you are the person who owns this account.

Finally, you'll be asked to select a User ID and password.

If you don't have an ATM or debit card, don't worry, you can still register for e-Banking. Find out how.

To take advantage of e-Banking, you must use a 128-bit encrypted browser and register for the service.

There are two ways to register, one for customers who have ATM or debit cards and one for customers who do not. Either way, the process is quick and simple.

Note: A customer cannot register using a Hancock Bank Credit Card.

You can register for e-Banking even if you don't have an ATM or debit card, just call our customer service and a friendly Hancock Bank representative will assist you.

Within e-Banking, you have access to the following services:

• Alerts/Notifications - Receive e-mail alerts on balances and transactions posting to your account.
• Quicken/Money access - We'll bring you the ability to download your account information into Intuit Quicken® and Microsoft® Money.
• Pending Transactions - See pending transactions for ATM and point-of-sale (POS) purchases as they occur and before they're posted to your account.
• Scheduled and/or Recurring funds transfers - Use scheduled transfers to transfer money on dates and times convenient to you on either a one-time or recurring basis.
• Loan payments from external accounts - Now you can pay your Hancock Bank loans using your accounts at other financial institutions.
• Summary Reports - get reports of your online activity.
• E-Statements- view, print or save your monthly statements.
• Person to Person transfers - send money to friends and family at Hancock Bank or other institutions.

Learn more about all of the features that e-Banking has to offer by viewing our e-Banking e-Guide.

e-Banking displays both your deposit and loan accounts.
The two main factors that determine your ability to view a particular account using e-Banking are:

1. Your "relationship" to the account. You'll be able to see any account for which you are the sole owner, joint owner, or authorized signer.
2. Whether or not an account has been "blocked" from e-Banking. An individual or company can choose to place a "block" on an account that will prevent the account from being displayed during an e-Banking session. For example, a company may choose to "block" authorized signers from viewing account information.

If you are unable to view a specific account that you think you should be able to view, you can contact us to determine if a "block" is in place on that account.

Your account is updated with information on two types of transactions: pending and posted.
Pending transactions are transactions which have been started but not finalized by the merchant. With the new e-Banking, you'll be able to see these transactions through real-time updates.
Posted transactions are transactions which are fully completed and finalized. This transaction information is updated daily, as pending transactions are completed and converted to posted transactions.
As you monitor your account online, you may notice that certain merchant transactions will use one value for the transaction when it is "pending" but that the final, "posted" value will be different. This is most commonly seen with gas stations that pre-authorize using a $1 amount - the value you'll see when the transaction is "pending" - but then finalize with the actual amount spent - the $50 in gas you'll see when the transaction is "posted."

The "Available Balance" is the amount of your current balance that is accessible to you right now. The available balance includes your Current Balance less any branch or ATM withdrawals and other deductions, funds transferred, or any funds placed on hold during the business day.

There are a number of different transfer options available to you within e-Banking, each of these has its own timeframe for completion and will be reflected on your accounts accordingly.

Immediate transfers, as the name implies, occur as soon as requested (unless you are notified otherwise at the confirmation screen). The transfer will appear as a pending transaction as soon as you've completed the request and your account's available balance will be updated at once. Transfers entered before the cutoff time of 7 p.m. CST on a bank business day are processed on that bank business day. Transfers entered after the cutoff time or on a non-bank business day are processed on the next bank business day. Transfers submitted and processed from a deposit account are immediately reflected in your balance for that account.

Scheduled transfers, these are transfers you set up in advance of the date on which you want the transfer to occur. These transactions will appear as pending transactions within 1 to 3 business days of the scheduled transfer date and your account's available balance will be updated at that time.

Your ability to stop or modify a transfer request varies based on the type of transfer in question.

Immediate transfers can be stopped or modified at any time before you reach the "Transfer Funds Confirmation" screen you can modify or cancel your funds transfer request. However, after you complete a funds transfer transaction and receive your confirmation number, you cannot stop a funds transfer from occurring. At that point, if you change your mind about the transfer, simply make a new transfer to move the funds back between the appropriate accounts.

Scheduled transfers can be edited or deleted at any point in time prior to the selected transfer date.

For security reasons, if you do not sign on to e-Banking regularly, your account will be disabled. If you have not logged on in a 270 day time period, your Sign on ID will become inactive and you will need to contact Customer Service to reactivate the id. If you have not logged on in a 300 day time period, your account will become disabled and any scheduled transfers or recurring e-Pay payments will be cancelled. Your enrollment in e-Pay will also be cancelled. To reactivate the account, you will need to contact Customer Service and reenroll in e-Pay.

Yes.

Yes. The security of online activity with the e-Banking system is a top priority for us at Hancock Bank and we've taken strong measures to ensure that your information remains safe and confidential. 128-bit encryption, multi-factor authentication, separate transfer passwords, Trusteer's Rapport software and the VeriSign Seal are just a few ways we demonstrate our commitment to protecting your information. Read on to find out more.

The first step is the use of a secure browser. Certain browsers and computers have the ability to communicate securely by scrambling information as it passes through the Internet. This method of communication is called SSL, or Secure Socket Layer. We require the use of a secure browser (128-bit high encryption) before a connection with our transaction system can be made.

After you reach us using the secure browser, we take steps to make sure your information remains secure and confidential. Your information passes through a "firewall," which is a computer especially designed to keep out unauthorized users. The information is scrambled again to ensure that it can only be read by authorized representatives of Hancock Bank. For more information, please read our Privacy Policy.

You'll also notice the VeriSign Secured logo on the e-Banking pages. The VeriSign is the most trusted mark on the Internet and indicates that we use VeriSign to protect your information. VeriSign ensures that your information is protected by strong encryption technology and rigorous business authentication practices.

In addition to transactional security, the e-Banking system offers increased security for your finances by allowing you to more closely monitor your accounts, you can check your balances and transactions as frequently as you wish, you can set alerts to let you know when your account reaches a certain balance, you can set a separate password for transfers.

Once you are signed-on to the secure portion of e-Banking, go to the "e-Banking Preferences" tab within e-Banking and select the "Change Password" option or the "Change User ID" option depending upon which you want to change.

If you have forgotten your User ID, you must contact our customer service department.
If you have forgotten your password, you may either contact the customer service department or use the "Forgot Your Password?" online assistance tool on the sign-on page. If you use the "Forgot Your Password?" tool, you will be asked for your current User ID as well as the answer to one of your previously selected security questions. Upon answering these questions properly, your password will be reset and the first half of your new password will be displayed on screen. The second half of your new password will be emailed to you at the address on file for you (as shown in your "e-Banking Preferences - Security Info").

You are receiving this message because the answer you have entered does not match the answer we have on file for you. The answer may be as simple as an incorrectly formatted date. For example, instead of entering 12/03/74 as the birth date for the 3rd piece of validation when signing on, the four-digit year must be entered as 12/03/1974.

If your e-Banking session remains idle for 10 minutes, the system will automatically log you off. At this point, you will need to sign-on again to e-Banking to reopen your online session.

Hancock Bank requires our customers to have a 128-bit encrypted browser for extra security. A browser check is performed each time a customer signs-on to or tries to register for e-Banking. The system will automatically check to make sure that you have a 128-bit encrypted browser.
To upgrade your browser, visit our Tools and Plug-Ins page.

Visit our Tools and Plug-Ins page and select the browser that you would like to upgrade. Their site should provide you with any instructions you'll need regarding their particular update process.