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Personal Security Tips |
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WHO IS BANK OF CUSHING?
BANK OF CUSHING (BOC) is a $74 million community bank located in Cushing, Oklahoma. The bank is locally owned with third generation family members a significant part of the management team. BOC is located in the central part of Oklahoma about half way between Tulsa and Oklahoma City. Our target market is within a 25-mile radius and includes Cushing, Drumright and Stillwater. The geographic area is fairly diversified with the major industries being energy and its related services and agriculture. |
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PHYSICAL LOCATIONS & FACILITIES
MAIN BANK – 224 East Broadway, Cushing, OK 74023 Drive In ATM - Full Service - Lobby Foyer 918-225-2010 BRANCH BANK – 2106 East Main, Cushing, 0K (on Highway 33) Drive In ATM Full Service - Drive Up 918-888-833-2012 DRUMRIGHT – 228 East Broadway, Drumright, OK 74030 (on Highway 33) ATM Full Service - Drive Up |
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CUSTOMER SERVICE GOALS
MAJOR GOAL FOR 2005 IS TO PROVIDE INTERNET BANKING SERVICES FOR INDIVIDUAL AND BUSINESS CUSTOMERS! One of our primary goal is to provide exceptionally high quality professional financial services in a very personal and individual manner. Another goal is for our staff to be known for their personal integrity and willingness to work on the BOC HOME TEAM. BOC is known for our community orientation with staff members involved in many organizations that promote the enhancement of our cities and geographic area, as well as many, many hours of charity service. BOC wants to obtain relationships with customers that will be good quality for the long run. BOC focuses attention on established small and medium size businesses and other professionals. BOC strives to provide services that will satisfy individual needs. |
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PROVIDER FOR INTERNET BANKING SERVICE
BOC has contracted with our data processing service provider to install and implement a full range of on-line banking services. This vendor has been used for many years to provide our core systems. BOC has researched the security provided by the vendor and feel comfortable that the system meets and/or exceeds recommendations of the regulatory agencies. |
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How to help stay safe on line?
NEVER GIVE PERSONAL OR FINANCIAL INFORMATION TO ANYONE OVER THE PHONE, IN E-MAIL OR ON A WEBSITE UNLESS YOU HAVE INITIATED THE CONVERSATION. If you receive a request for such information, do not respond even if the request sounds and/or looks ligitimate. NO ligitimate request will be handled in that manner. |
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How do I safe guard my password and/or Login Codes?
Make sure your password and Login Codes are made up of both letters and numbers. Never write you password or Login Codes in your billfold or readily accessable areas. Never give your password to anyone else. |
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What is a Phishing Scam?
"Phishing" is a type of Internet fraud. It is an attempt by identify thiefs to get "verification" of personal data. BOC and other ligitimate financial instititions will NEVER ask you to "verify" information nor ask you to click on a special website to do so. DO NOT RESPOND TO ANY SUCH REQUEST. If you receive an e-mail purporting to be from us, please call to confirm. We want to do everything we can to make your information safe. |
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What is "encrypted" data?
Encypted data is created by software which makes it possible to scramble messages between two parties. The "scrambling" protects your account information from being intercepted and read by third parties. |
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What is BOC Online Banking?
BOC Online Banking is the newest service offered our customers. You may access your accounts using the personal Login Codes to conduct the following transactions: Transfer Funds between: Checking Money Market Savings Loans Obtain the available and current balance(s) and transaction history of: Checking Money Market Savings Loans Initiate Stop Payments Account Management |
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When is BOC Online Banking available?
BOC Online Banking is available 24 hours a day, 7 days a week. Transactions will be processed and updated on business days. Transactions made on weekends, holidays, scheduled in advance or after 12:00 pm Central Standard Time (CST), will be processed on the next business day. |
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What are the Login Codes?
Access to BOC Online Banking may be made by personal computer. Access requires the use of unique Login and Personal Identification Numbers (the "Login Codes") assigned to you. Your use of Online Banking with the Login Codes will be valid and authentic. Communication to BOC with your Login Codes will be given the same legal effect as written and signed paper communications. |
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How do I handle lost or stolen Login Codes?
If you believe your Login Codes or other means of access have been lost or stolen or that someone has used them without your authorization, immediately change your Online Banking Login Codes. This is done by going through the "account management" option. Contact us immediately by writing, calling or e-mailing us at: Bank of Cushing P. O. Box 951 Cushing, OK 74023 918-225-2010 (Business Hours Only) customerservice@bankofcushing.net Include in the message your name, address, phone number and a brief description of the problem. All e-mail requests will be answered by close of the next business day, if at all possible. |
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What is BOC Bill Pay?
You have the ability to pay your bills through BOC Bill Pay. You must have at least one checking account with us. By using your Online Banking Login Codes you can pay any person or business in North America. There are many customizable features available to you in the BOC Bill Pay module. Payments entered before 12:00 pm CST Monday through Friday will be processed the same day. Payments made after 12:00 pm CST Monday through Friday or on a weekend will be processed the next business day. You must scheduled payments at least 2 to 5 days in advance of the due date. |
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What are the BOC Online Banking security features?
BOC Online Banking features multiple levels and types of security through out the product design and during your banking sessions. BOC Online Banking features protocol to ensure encrypted data, firewalls, security designed system architecture, unique identifiers and passwords with continual suspect monitoring and reporting. Consistent invalid ID attempts will result in user “lock out” and “suspect report” generation. Customers will be logged off after a period of inactivity. The vendor chosen by BOC is highly regarded by the banking community as well as regulators and has been utilized by BOC for many years. |
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Whom can I pay through BOC Online Bill Pay?
You can pay ANYONE in the United States from the next door neighbor, the utility company, the bank and even a child in college across the country. |
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How late in the day can I enter, edit, or delete a payment?
You may add, edit, or delete payments scheduled Monday through Friday until 12:00 PM CST the day before the scheduled payment date. |
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What happens if I have a scheduled payment that falls over a weekend or holiday?
Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over that particular weekend will be processed on the next business day. Holiday processing occurs the next business day following the holiday. |
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Are there any merchants that I cannot pay through the bill payment service?
Yes. You cannot pay any government agency. |
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Can I use BOC Online Bill Payment if I live outside the United States?
Yes, as long as you have a bank account in the United States. |
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Can I get a copy of a cancelled check?
You can request a copy through Customer Service. There may be a fee associated with this service. |
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How long is history retained in the VIEW PAYMENT HISTORY section?
Payment History records are kept for one year. |
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What happens if I lose or forget my ID and/or PIN?
If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget you PIN, you must follow the same procedure and a new PIN will be generated and mailed to you. |
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What is the definition of Payee?
A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage company, department stores and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store and your favorite charitable organization. |
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How many payees may I have set up?
You may have up to 99 payees that you can set up through the BOC Bill Pay module. If you need more than 99 payees, please contact Customer Service. |
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When will the money be taken out of my account?
The money will be withdrawn out of your account approximately two business days after the payment date you have set. |
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What if I do not have enough money in my account?
BOC will treat bill payment items just like any other check that you write. You should have enough funds on hand to cover the payment amounts on the day the item is to be processed. Should the item be returned, a hold may be placed on your bill payment service. |
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Can I edit vendor addresses?
No. You will have to set up a new vendor with the correct address and delete the old one. |
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How do I know if a merchant is electronic or check?
Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check. |
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Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies:
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Will the memo field that I fill out when setting up a payment be passed on to the merchant?
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. This allows the payee to know which account to apply the payment to. |
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What due date should I use?
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee. You must have available funds in your account on the payment date. |
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How far in advance should I set up a payment to insure it is paid on time?
The determining factor will be based on the ability to pay on an "electronic basis" vs "check payment." Many vendors will be able to be paid on an electronic basis, which is the fastest method. If a vendor does not accept electronic payments, a check will be issued and mailed to that vendor. You will have access to this information when you set up your vendors. Electronic payments should be made 4 business days prior to the due date of the payment. Check payments should be scheduled 10 business days in advance of payment due date to allow time for check processing and mailing. *NOTE - You may want to set up a payment to yourself so you can see how the system works. |
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What are the minimum and maximum payment amounts?
The minimum amount you may make a payment for is $0.01 and the maximum amount can be up to $99,999.00 |
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What is the Scheduled Date?
The scheduled date is the day you would like BOC Online Banking to start the process of sending your money to the payee. You must have available funds in your account for the request to be processed |
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How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future. |
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Can I have multiple payments to the same payee on the same day?
Yes. 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 on the same day. |
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Can I stop payment?
Call Customer Sevice for questions. Paper Check Stop Payments can be entered on the BOC Online Banking System. You will receive an online confirmation that the stop payment order has been accepted and posted to our system. For an online stop payment order to be effective, you must print, sign and mail or bring the confirmation to us within 14 calendar days of when you entered the stop payment order online. Stop payment orders should be mailed to: Bank of Cushing, ATTN: Customer Service, P. O. Box 951, Cushing, OK 74023. All online stop payment orders are subject to the terms and conditions governing stop payment orders as provided in the Deposit Account Terms and Conditions governing the Account upon which the check was drawn. You will incur stop-payment charges as disclosed in the current Fee Schedule. Once an electronic bill payment has been debited from your account, you CANNOT order a stop a payment. |
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On the Payment History page, what does the "Status" field indicate?
Following is a table of the available status values and their associated definitions:
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