On-Line Banking

Frequently Asked Questions

What is Passkeybanker?

Passkeybanker on-line banking provides access to your Passumpsic Savings Bank accounts from the convenience of your personal computer 24 hours per day, seven days a week. Our bill payment service lets you pay bills on-line with no need for checks, stamps, envelopes or trips to the Post Office.

How much does it cost?

There is no charge for the Passkeybanker on-line banking services. Also, there is no charge for the bill payment service.

What are the software and
hardware requirements?

In order to access Passkeybanker you will need a secure browser and a computer that accesses the internet. This site requires a browser that supports 128-bit encryption. You can use either Microsoft Internet Explorer 6.0 or higher or Netscape Navigator 6.2 or higher. Mac users please note, service will only work with Netscape.

Supported browsers for PC's

Microsoft Internet Explorer 6.0 or higher; Netscape Navigator 6.1 or higher; Moxilla Firefox 1.0 or higher;
Opera 7.54 or higher

Supported browsers for Mac's
Netscape Navigator 7.0 or higher;
Mozilla Camino 0.8.1 or higher;
Apple Safari 1.0 or higher;
Mozilla Firefox 1.0 or higher;
Opera 7.54 or higher

Is on-line banking safe and secure?

Yes. Passkeybanker is a Verisign Secure Site. Verisign has issued the Passkeybanker server a unique Secure Server ID, assuring you, our customers, of the Passkeybanker internet site’s authenticity and allowing communications to be encrypted for privacy. For more information check out our Security Statement.

What type of accounts are
accessible on Passkeybanker?

You can access your Passumpsic Savings Bank checking, statement savings, certificates of deposit, IRAs and loans. (Bill payment services are accessible only from checking accounts.)

How do I access Passkeybanker?

Simply click here for First Time Users and follow the instructions.

What happens if I enter an incorrect password?

If you enter an incorrect password three consecutive times you will need to wait five minutes.Then you have three more opportunities to enter your password. If you do not enter the correct password after these attempts access will be denied and you will be required to call the bank to reactivate your account. Please call 1(802) 751-4238 during regular business hours.

What will I be able to do with online banking?

• View account balances
• View account history
• Search history by check number, amount or date range
• Transfer funds between accounts
• Pay bills
• View current and last bank statement
• View check images
• Export history to personal finance software such as Microsoft Money and Quicken

How current is the information?

Since our Internet banking program is online/ real time, all account information is current as of the day processed.

Are there limits on the number of transfers I can make?

Online banking poses no limits on the number of transfers you can make. However, federal regulations limit the number of withdrawals and transfers on certain types of money market and savings accounts. If you are unsure about restrictions on your accounts, call a Personal Banker at the nearest Passumpsic Savings Bank location or email us at passrail@charterbn.com.

I have an account at another bank. Can I transfer funds to it from my Passumpsic Savings Bank account?

No, transfers can only be made between Passumpsic Savings Bank accounts.

When will my transfer take place?

If you make a transfer before 4:00p.m. EST, your transfer will post on the same business day. If you make a transfer after 4:00p.m. EST, the transfer will post on the next business day.

After I have signed up for Bill Pay, what happens?

You can pay bills to anyone in the United States from your personal computer. After you log in to the system, click on List of Accounts then click on the checking account you wish to utilize. Next, click on the payments button and set up the payments you wish to make.

What date should I enter as the payment date? When does it post to my checking account?

The payment date is the date you want payment sent to the payee. This is not the date your payment is due. You'll need to allow 8 business days when a paper draft is sent on your behalf and 48 hours for electronic payments. You should take this into consideration when paying bills to avoid late charges. The payment posts to your checking account on the payment date you enter.

I have payments for the same amount due at the same time of each month. Is there an easy way to handle these payments?

Yes, the Passkeybanker system provides for recurring payments. You set the amount, date, and payment frequency, and the system will initiate the payments for you.

Can I take the system for a "test drive" before signing up?

Most definitely. You can test drive
our system by clicking on the Passkeybanker demo button on
the home page of our Website.

Who do I contact if I have problems or questions?

You can contact a Customer Service Specialist by calling 1(802) 751-4238 during regular business hours or
by sending an email to passops@charterbn.com