Policies & Agreement
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- What is Flushing Bank's Online Banking Agreement?
Flushing Bank's Online Banking Agreement describes the terms and conditions required to use our Online Banking channel. First-time users must read and agree to the terms and conditions of the Agreement before using Online Banking. After your initial acceptance, you are consenting to the Agreement every time you log in to Flushing Bank's Online Banking. Acceptance of the terms and conditions is required to utilize Online Banking.
You can visit this site and find out about our products and services, read our corporate reports, check on career opportunities, find branch locations, or get a news update and other value-added services without giving us any personal information.
If you provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographic and customer identification, we will not disclose it to external organizations unless we have informed you, been authorized by you, or are required to do so by law. We will maintain this information, as well as your business activities and transactions, according to our strict and confidentiality standards.
- Who is responsible when individuals other than myself make transactions from my Accounts using Flushing Bank's Online Banking?
You are responsible for all transfers, payments, and other transactions you authorize using Flushing Bank's Online Banking. If you permit other people to use your User Name and Password to access Online Banking you are responsible for any resulting transactions from your linked Accounts. We will not be liable for and will not reimburse you for any losses that may occur as a result of this authorized use of your User Name and Password. You are responsible for keeping your User Name and Password confidential.
Using Online Banking
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- What are the system requirements for Flushing Bank's Online Banking?
To download a supported browser click on the appropriate link below.
Macromedia Flash or Adobe Acrobat Reader may also be required for certain areas of our site.
- Can I access Online Banking from any computer?
You can access your Online Banking accounts anywhere you have Internet access and a 128-bit browser. Simply type in your User Name and click Sign In.
- What if I forget my password?
If you forget your password, you can reset your password by selecting the "Forgot Password?" link on our homepage and then following the instructions. If you need further assistance, you may call Flushing Bank's Customer Support during regular business hours (9:00 a.m. to 5:00 p.m. Monday through Friday) at 800.581.2889 to restore access to the system or contact us via the web using the online form.
- Can I view my account history in Online Banking?
Yes, you can access Account History through the Account Summary section of Online Banking.
- Can I look at all of my transactions at any time?
Yes, with Flushing Bank's Online Banking, you have access to your account information 24 hours a day, 7 days a week! The balance and history information is current.
- If I don't use bill payment, do I still get charged a fee for using Online Banking?
Online Banking and Bill Payment are FREE.
- How can I add other accounts to Online Banking?
Online Banking allows you to see information on all accounts that are linked to your Customer Record, such as your Checking, Savings, CD, Retirement and Money Market accounts. Checking Line of Credit and Home Equity Line of Credit information is also available. If you have any questions about your accounts please call 800.581.2889.
- What is the process for canceling access to Online Banking?
If you no longer wish to have access to your accounts through Flushing Bank's Online Banking, please call Customer Support at 800.581.2889. Please be advised that once Flushing Bank has terminated your access to Online Banking, any future scheduled transactions you have set up will be canceled.
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- After I have applied online for Bill Payment, how long is it before I can pay a bill?
Once you have registered for Online Banking and Bill Pay you may set up your payees and start using immediately. If you experience any problem please contact our customer support department at 800.581.2889.
- How long does it take to set up a new payee in the Bill Payment system?
Once you have entered a new payee into the Bill Payment System, you may enter a payment to your new payee immediately.
- How are my payments actually processed?
Payments are processed on the day designated by you -the online banking user. Our Paying Agent generates the payment by either a paper check or an electronic ACH credit. All payments can be viewed in the Payment Activity section.
- After I pay a bill online, how long does it take for the money to be debited from my account?
Funds are debited from your account on the day your payment is sent.
- How long does it take for a payment to reach the payee?
A payment that generates an ACH or electronic payment will take approximately 3 - 5 business days to reach the payee. If the payee is unable to accept electronic payments, please allow 5 to 10 business days for check payments to be received. This is why we request that you schedule payments at least 7 to 10 business days prior to the due date. We do not take responsibility for processing delays that occur at the payee.
- How do I actually use the Electronic Bill Payment System?
Step-by-step instructions can be accessed by clicking the Bill Pay Help button within Online Banking.
- What happens if I pay a bill online and there are insufficient funds in my account?
If a 'non-sufficient funds' (NSF) condition exists the payment will not be sent to the payee. You are responsible for any late charges and penalties charged from your payee. You can resubmit the payment once funds are available to cover the bill payment.
- How can I verify that a payment has been made or cancel a payment?
You may go into the Payment Activity screen to view, edit or delete a payment. Payment Activity displays all bill payments that have been sent to the payee. If you need to cancel a payment that has already been transmitted, please contact Customer Service Bill Payment Support at 800.581.2889.
- Who do I contact if my bill was not paid?
Please contact our Customer Service Department at 800.581.2889 to verify where the payment was sent and when. You'll need the confirmation number of the payment (this can be found in the Payment Activity section of bill payment), payee name, and your bill payment identification number.
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- Is Flushing Bank's Online Banking System secure?
In Internet Banking as with traditional banking methods, security is a primary concern. At Flushing Bank, we have taken many precautions so that your information is transmitted safely and securely. Many of the latest methods in Internet Banking security are used to increase and monitor the integrity and security of the system.
Our Online Banking customers are required to use a browser with the highest form of encryption (128-bit SSL). That means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information.
- Why does the system "time out" occasionally?
For your protection, Flushing Bank's Online Banking automatically disconnects after 14 minutes of inactivity.
- Protect Yourself
In addition to our security measures, here are some security tips you can use to protect yourself
- Use a strong password. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use both letters and numbers and a combination of lower case and capital letters.
- Change your Internet Banking Passwords often. You can do this quickly and easily by signing on and going to the profile section.
- Leave suspicious sites. If you suspect that a website is not what it purports to be, leave the site immediately. Do not follow any of the instructions it presents. For Microsoft Internet Explorer (IE) users setting your browser security setting to "high," a level that makes it more difficult to interact with some Web sites is also recommended.
- Be alert for scam emails. These may appear to come from a trusted business or friend, but actually are designed to trick you into downloading a virus or linking to a fraudulent website and disclosing sensitive information.
- Don't reply to any email that requests your personal information. Be very suspicious of any email from a business or person that asks for your password, Social Security number, or other highly sensitive information and/or one that sends you personal information and asks you to update or confirm it.
- Open emails only when you know the sender. Be especially careful about opening an email with an attachment. We advise that you shouldn't open attachments unless you are confident that you can trust the source.
- Be careful before clicking on a link contained in an email or other message. The link may not be trustworthy.
- Do not send sensitive personal or financial information unless it is encrypted on a secure website. Regular emails are not encrypted and are more like sending a post card. Look for the padlock symbol to ensure that the site is running in secure mode before you enter confidential personal information.
- Don't take anything for granted and only do business with companies you know and trust. Always keep in mind that forging emails and creating phony "look alike" websites designed to trick consumers and collect their personal information is not difficult. Make sure that websites on which you transact business post privacy and security statements, and review them carefully.
- Make sure your home computer has the most current anti-virus software. Anti-virus software needs frequent updates to guard against new viruses. We recommend that you use a program that automatically upgrades your virus protection on a regular basis. If you currently do not have this automatic upgrade feature, make sure you update your virus detection program weekly and when you hear of a new virus. If your anti-virus product doesn't include spyware protection, we recommend that you install a reputable spyware detection product as well.
- Install a personal firewall to help prevent unauthorized access to your home computer. This is especially important if you connect to the Internet via a cable modem or a digital subscriber line (DSL) modem.
- When your computer is not in use, shut it down or disconnect it from the Internet.
- Act quickly if you suspect fraud. If you believe someone is trying to commit fraud and/or if you think you may have provided personal or account information in response to a fraudulent email or Web site, report the incident immediately, change your passwords and monitor your account activity frequently.
Click here to download Acrobat Reader