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CB&T Mobile Banking
Online Bill Pay
Netteller Internet Banking


CB&T Mobile Banking

What are the restrictions on the type of mobile devices that can be used to access accounts?
Q What are the restrictions on the type of mobile devices that can be used to access accounts?
A Our CB&T Mobile Banking program is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.
What functions can I perform from my mobile device?
Q What functions can I perform from my mobile device?
A Provided you have been given access, you will be able to:
  • View transaction history
  • View account balances
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View Alerts
  • How do I know if my transfer or bill payment was entered successfully?
    Q How do I know if my transfer or bill payment was entered successfully?
    A Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.
    What if I no longer want to be a mobile user?
    Q What if I no longer want to be a mobile user?
    A Using a PC, log in to your Netteller Internet Banking account from our website and select Options>Mobile Settings. Deselect "Enable Web Access for your Mobile Device". Then click submit.
    What happens if I lose my mobile device?
    Q What happens if I lose my mobile device?
    A

    Since your account data IS NOT stored on your mobile device, your information cannot be stolen.

    On a PC, log in to your Netteller Internet Banking account from our website and select Options>Mobile Settings and deselect "Enable Web Access for your Mobile Device" and click submit.

    When you replace your device, take the above steps and select "enable Web Access for your Mobile Device" and make any necessary changes to the wireless provider and/or phone number.

    Why can't I add a new payee?
    Q Why can't I add a new payee?
    A Functionality is limited to sending payments to already established payees. To add a new payee, go to a PC and log in to your Netteller Internet Banking account from our website, select Online Billpay, and add a new payee. You can then submit payments to that payee via your mobile device.
    What happens if I lose communications/signal during a transaction?
    Q What happens if I lose communications/signal during a transaction?
    A When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not recceive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
    What do I need to do if I get a new phone?
    Q What do I need to do if I get a new phone?
    A If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, go to a PC and log in to your Netteller internet banking account from our website and update your information. You will not receive SMS Text Messages regarding Mobile Banking Transactions if your phone number is not correct.
    How can I search for a transaction?
    Q How can I search for a transaction?
    A You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.
    Can I use any mobile device to access my account?
    Q Can I use any mobile device to access my account?
    A YES - You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS Text Messages will be sent to the device entered when enrolling for mobile banking, not any device from which you perform a transaction.
    How do I delete a new bill payment that I set up through my mobile device?
    Q How do I delete a new bill payment that I set up through my mobile device?
    A You must go to a PC and log in to your Netteller Internet Banking account from our website and delete the payment from the main menu of the Online Billpay module.
    When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?
    Q When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?
    A Check your phone's settings to make sure you don't have alpha-only enabled on the keypad.
    What if I can't get my mobile device to work with CB&T Mobile Banking?
    Q What if I can't get my mobile device to work with CB&T Mobile Banking?
    A

    There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone must meet the following minimum requirements:

  • You must enroll in and have access to our Netteller Internet Banking program before you can gain access.
  • Your mobile device must be web enabled.
  • Your mobile network must allow secure SSL traffic. You may need to contact your mobile provider to determine this.
  • If your phone meets these requirements and you continue to experience problems, the mobile version may not be compatible with your phone's browser. An interim solution would be to try downloading another browser, such as "Opera Mini" (www.operamini.com), which provides good support to a number of mobile applications.

    Will CB&T Mobile Banking work on an Apple iPhone?
    Q Will CB&T Mobile Banking work on an Apple iPhone?
    A YES - if you have an Apple iPhone, you should take the following steps in order to make our Mobile Banking program work better:
  • Select App Store on your iPhone desktop.
  • Select Search at the bottom of the screen.
  • Search for CB&T.
  • Select CB&T Mobile Banking. This is a free application. NOTE: Be sure you choose the CB&T Mobile Banking App that has our bank's logo on it!
  • Once downloaded and installed, select Settings on your iPhone desktop. An icon labeled Online Bank should have been installed here.
  • Select Online Bank from within Settings.
  • Enter the same user name here that you use with our Netteller Internet Banking program.
  • Enter the URL that you received in an SMS Text Message when you enrolled in Mobile Banking earlier through Netteller.
  • Once you have completed these steps, select the CB&T icon on your iPhone desktop. You will use the same user id and password that you use in Netteller.
  • Will CB&T Mobile Banking work on an Android phone?
    Q Will CB&T Mobile Banking work on an Android phone?
    A YES - if you have an Android phone, you should take the following steps in order to make our Mobile Banking program work better:
  • Select Android Market on your phone's desktop.
  • Search for CB&T.
  • Select CB&T Mobile Banking. This is a free application. NOTE: Be sure you choose the CB&T Mobile Banking app that has our bank's logo on it!
  • Once downloaded and installed, select Settings on your iPhone desktop. An icon labeled Online Bank should have been installed here.
  • Select Online Bank from within Settings.
  • Enter the same user name here that you use with our Netteller Internet Banking program.
  • Enter the URL that you received in a Text Message when you enrolled in Mobile Banking earlier through Netteller.
  • Once you have completed these steps, select the CB&T icon on your phone's desktop. You will use the same user id and password that you use in Netteller.
  • Does CB&T Mobile Banking cost anything?
    Q Does CB&T Mobile Banking cost anything?
    A There is no fee from Chickasha Bank & Trust Company. Connectivity and usage rates may apply. Contact your wireless service provider for more details.
    How do I enroll in CB&T Mobile Banking?
    Q How do I enroll in CB&T Mobile Banking?
    A

    Take the following steps:

  • From a PC, log in to your Netteller internet banking account from our website.
  • Click Options>Mobile Settings.
  • Select Enable Web Access for your Mobile Device.
  • Enter the phone number for your mobile device. NOTE: This is the number to which transaction verifications will be texted when you complete a funds transfer or bill payment from your mobile device.
  • Select your wireless service provider.
  • Review the Mobile Banking agreement. Once you have reviewed it and IF you agree, click I Agree.

    An SMS Text Message will be sent to the number you entered for your mobile device during the enrollment process. This message will confirm enrollment and give you our mobile website (URL).

    Once you receive this confirmation, you may begin using your mobile device to access your accounts. You will need to open your mobile device's web browser and enter the URL listed in the confirmation text message.

  • How do I get additional information about CB&T Mobile Banking?
    Q How do I get additional information about CB&T Mobile Banking?
    A

    If you would like to e-mail your request, please click Contact Us on our website and then choose Information Request Form. Fill in the information and click Submit. The information you submit will be delivered to our Customer Service Department in a secure mailbox.

    If you would like to talk to someone, please call 405-222-0550 and ask for Customer Service. We will be glad to help you.


    Online Bill Pay

    Are there any merchants that I cannot pay through the bill payment service?
    Q Are there any merchants that I cannot pay through the bill payment service?
    A Yes. You may not use Online Bill Pay to pay any government agency.
    Can I have multiple payments to the same payee on the same day?
    Q Can I have multiple payments to the same payee on the same day?
    A You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
    Can I edit merchant addresses?
    Q Can I edit merchant addresses?
    A No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address.
    Do checks post directly to my account?
    Q Do checks post directly to my account?
    A

    YES! Most online bill pay programs will take the money from your account by the next day and issue a check drawn on the bill pay company's clearing account. The check then pays against that clearing account, not your deposit account. You have to call the bill pay company and pay them to produce a copy of the paid check in order to prove payment.

    With OUR Online Bill Pay program, the check is drawn on your deposit account at our bank. The funds are not withdrawn until the check posts to your account - as if you had written the check yourself. You have access to your funds longer. In addition, you can print a copy of the paid check yourself online at no charge - as long as the statement the check posts on still appears in Internet Banking. Generally, the last three statements will appear in Internet Banking.

    Can I get a copy of a cancelled Online Bill Pay check?
    Q Can I get a copy of a cancelled Online Bill Pay check?
    A Netteller Internet Banking will display the last 3 statements on your deposit accounts. If you have self-enrolled in eStatements, your statements will be retained for 18 months. Since the checks post directly to your account, you can print a copy of the check online at no charge - as long as you do so while the statement appears on Netteller Internet Banking. If a specific statement does not appear on Internet Banking, you can request a copy through Chickasha Bank & Trust Company Customer Service at 405-222-0550 Monday - Friday between the hours of 7:30 am and 4:30 pm. There may be a fee associated with this service.
    Can I set up recurring payments?
    Q Can I set up recurring payments?
    A

    Yes. You can set up recurring payments in the following frequencies:

    • Weekly
    • Bi-Weekly
    • Semi-monthly
    • Monthly
    • Quarterly
    • Semi-Annually
    • Annually
    Can I stop an Online Bill Pay after it has been processed?
    Q Can I stop an Online Bill Pay after it has been processed?
    A Yes. By calling Chickasha Bank & Trust Company Customer Service at 405-222-0550. If the receiving merchant has not cleared the Online Bill Pay transaction, the Online Bill Pay can be stopped. There may be a charge to do this.
    Can I use Online Bill Pay if I live outside the U.S.?
    Q Can I use Online Bill Pay if I live outside the U.S.?
    A Yes, as long as you have a checking account at Chickasha Bank & Trust Company; however, payments can only be made to locations in the United States.
    How do I know if a merchant is electronic or check?
    Q How do I know if a merchant is electronic or check?
    A Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check.
    How far in advance can I schedule payments?
    Q How far in advance can I schedule payments?
    A You may schedule payments as far in the future as you want. Recurring payments can have an ending date of any year in the future.
    How far in advance should I set up a payment to insure it is paid on time?
    Q How far in advance should I set up a payment to insure it is paid on time?
    A Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.
    How late in the day can I edit or delete a payment?
    Q How late in the day can I edit or delete a payment?
    A You may edit or delete scheduled payments until 07:00 P.M. Chickasha, Oklahoma time (Central) the day before the scheduled payment date. For example, if a payment is scheduled for today, you may edit or delete the payment up until 07:00 P.M. today.
    How long is history retained in the VIEW PAYMENT HISTORY section?
    Q How long is history retained in the VIEW PAYMENT HISTORY section?
    A Payment History records are kept for one year.
    How many payees may I set up?
    Q How many payees may I set up?
    A You may have up to 99 payees.
    Is there any minimum and maximum payment amount?
    Q Is there any minimum and maximum payment amount?
    A Yes. The minimum payment amount is $0.01. The maximum amount is $9,999.00. Any payment larger than this will have to be arranged in advance with Chickasha Bank & Trust Company and Metavante Services.
    What does the "status" field indicate on the PAYMENT HISTORY PAGE?
    Q What does the "status" field indicate on the PAYMENT HISTORY PAGE?
    A

    Status Value: Payment Pending
    Definition: The payment has been processed, but not yet sent.

    Status Value: Payment Processed
    Definition: The payment has been processed and sent.

    Status Value: Hold
    Definition: The payment has a research request on it and has not been processed.

    Status Value: Stopped
    Definition: You have requested the payment to be stopped. It cannot be processed again.

    What happens if I have a scheduled payment that falls over a weekend or holiday?
    Q What happens if I have a scheduled payment that falls over a weekend or holiday?
    A Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Any new payments that are scheduled during the weekend, for the current weekend, will be processed on Sunday night. Holiday processing is done the following day after the holiday.
    What if I do not have enough money in my account?
    Q What if I do not have enough money in my account?
    A Bill payment items are treated just like any other check you write. Should the item be returned, a hold may be placed on your bill payment service.
    When will the money be taken out of my account for Online Bill Pays?
    Q When will the money be taken out of my account for Online Bill Pays?
    A

    For electronic payments, the money will be withdrawn from your account approximately one to two business days after the payment date you have specified.

    For check payments, the money will be withdrawn from your account on the day the check posts to your account - the same as if you had written the check yourself.

    To insure adequate funds are available in your account, it is a good practice to have the funds in your account on the scheduled payment date.

    Will the memo field that I fill out when setting up a payment be passed on to the merchant?
    Q Will the memo field that I fill out when setting up a payment be passed on to the merchant?
    A No. The memo field is for your personal records; however, the account number that you entered when you added the payee to your Personal Payee List is printed on the check.
    Who do I call if I have problems with Online Bill Pay?
    Q Who do I call if I have problems with Online Bill Pay?
    A Call Chickasha Bank & Trust Company Customer Service at 405-222-0550. They are open Monday - Friday from 07:30 A.M. – 04:30 P.M. Chickasha, Oklahoma time.
    Whom can I pay through Online Bill Pay?
    Q Whom can I pay through Online Bill Pay?
    A You can pay ANYONE in the United States (excluding government agencies) - from your next door neighbor, to the utility company, the bank, and even a child in college across the country! You cannot make payments to any government agency.


    Netteller Internet Banking

    After how many invalid logon attempts will I be locked out of Netteller Internet Banking?
    Q After how many invalid logon attempts will I be locked out of Netteller Internet Banking?
    A Three invalid logon attempts will lock you out of Netteller Internet Banking. Customers should call the New Accounts department at (405) 222-0550 Monday - Friday from 07:30 A.M. - 04:30 P.M.
    Can I use Netteller Internet Banking if I only have a CD, Loan, or Savings Account?
    Q Can I use Netteller Internet Banking if I only have a CD, Loan, or Savings Account?
    A Yes. If you have any Chickasha Bank & Trust Company CD, Loan, Savings, or Checking product, you can get Netteller Internet Banking for FREE. You must have a checking account to have Online Bill Pay.
    How can I add or delete an account from Netteller Internet Banking?
    Q How can I add or delete an account from Netteller Internet Banking?
    A The change can be made through any new accounts representative at any Chickasha Bank & Trust Company location.
    How can I reset my Netteller Netteller Internet Banking Account?
    Q How can I reset my Netteller Netteller Internet Banking Account?
    A You can call the New Accounts department at (405) 222-0550 Monday - Friday from 07:30 A.M. - 04:30 P.M.
    How can you guarantee the security of my banking information?
    Q How can you guarantee the security of my banking information?
    A First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Netteller Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.

    For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and Chickasha Bank & Trust Company is both secure and authentic.
    How do I know if my browser has 128-bit encryption?
    Q How do I know if my browser has 128-bit encryption?
    A By clicking on the Test Browser button on our Home Page/Internet Banking sign-on page.
    What do I need to gain access to Netteller Internet Banking?
    Q What do I need to gain access to Netteller Internet Banking?
    A User ID, PIN, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.
    What does Netteller Internet Banking cost?
    Q What does Netteller Internet Banking cost?
    A Internet Banking is free to all customers. Online Bill Pay is also free to all customers.
    What happens if I lose or forget my ID or PIN?
    Q What happens if I lose or forget my ID or PIN?
    A If you lose/forget your ID or PIN, call Chickasha Bank & Trust Company New Accounts department at (405) 222-0550 Monday - Friday from 7:30 A.M. - 4:30 P.M.
    What services are offered through Netteller Internet Banking?
    Q What services are offered through Netteller Internet Banking?
    A
    1. Unlimited in the number and types of accounts you can access.
    2. Transfer funds electronically between all checking and savings accounts owned by you at Chickasha Bank & Trust Company once they are enrolled (regulatory limitations may apply). You may also make payments on loans at our bank from deposit accounts at our bank (once they are enrolled).
    3. View balance and history information on all accounts owned by you at Chickasha Bank & Trust Company (once they are enrolled).
    4. Statement information on all deposit accounts.
    5. Check Image statement retrieval with front and back images on all listed checks. The last three statements will appear.
    6. Download transactions from any deposit accounts to industry standard money management software.
    7. Online Bill Pay Option - access the designated checking account to pay most bills.
    Are there excessive withdrawal limits when transferring from my Money Market or Savings Accounts?
    Q Are there excessive withdrawal limits when transferring from my Money Market or Savings Accounts?
    A Due to Federal Regulations the customer may not make more that six transfers or withdrawals per month or statement period, no more than three of which can be payable to third parties, when these transfers are made by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction, including Internet Banking. Any of the three third party transfers count toward the six monthly transfers.
    Between what accounts can I transfer?
    Q Between what accounts can I transfer?
    A You may transfer between all your designated deposit accounts at Chickasha Bank & Trust Company. Some accounts may be excluded from transfer capability due to regulatory requirements, bank policy, or loan agreement between the customer and Chickasha Bank & Trust Company.
    How late can I make a transfer and still have it post to my account that night?
    Q How late can I make a transfer and still have it post to my account that night?
    A A transfer can be made up to 7:00 P.M. Chickasha, Oklahoma time during any business day for that transaction to post that night. This includes all transfers between deposit accounts and loans. A transfer made today after 7:00 P.M. will "memo post", but will not actually appear until the next business day.
    Will Netteler Internet Banking be available to me all the time?
    Q Will Netteler Internet Banking be available to me all the time?
    A It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.
    Who can have Netteller Internet Banking?
    Q Who can have Netteller Internet Banking?
    A Any customer can use Netteller Internet Banking and Online Bill Pay. Call (405) 222-0550 for more information.
    How can I get Netteller Internet Banking?
    Q How can I get Netteller Internet Banking?
    A Chickasha Bank & Trust Company customers can start Internet Banking by visiting any New Accounts Representative at any branch location, or by printing an application online. The application must be completed and returned to one of our branch locations or mailed to the address provided on the application.
     
     
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