Banking is made easier by using our convenient Online Banking and Bill Payment services. Bank online safely and securely 24-hours a day from the comfort of your own home or anywhere you have internet access.

• Online Banking Overview
• Bill Payment Overview
• System Requirements
• Payment Guarantee
• Demo Site
• Enroll Now

Online Banking Overview

• Requires a Paper City Savings checking or statements savings to register for Online Banking
• View balance and history information for checking, savings, and money market deposit accounts
• View balance information for Certificate of Deposits and Individual Retirement Accounts
• View balance information for mortgage, auto, and other loan products
• Transfer funds between related Paper City Savings checking, statement savings, and money market deposit accounts. Schedule current, future, and recurring transfers
• Interbank transfers
• Create export files to Quicken*
• 24/7 Customer Service by calling (877) 287-1069

*Fees may apply for Quicken users

Bill Payment Overview

• It's quick and convenient
• No envelopes, no stamps, and no hassles
• Easy to establish and maintain a complete payee list
• Schedule current, future, and recurring payments to payees
• Payment Guarantee
• Create export files to Quicken*

*Fees may apply for Quicken users

System Requirements

For this online service we recommend that you use one of the following browsers:

Windows (minimum requirements)

• Firefox 1.0
• Firefox 1.5
• Netscape 7.2
• Netscape 8
• Microsoft Internet Explorer 6
• AOL 9.0

Macintosh (minimum requirements)

• Safari 2.0
• Firefox 1.0
• Firefox 1.5
• Netscape 7.2

Payment Guarantee

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant. Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating.

(NOTE: Please see the Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.)

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment was scheduled to be paid at least two or five business days prior to the due date, excluding any grace periods. (The one exception to this guideline is that mortgage payments should be scheduled to be paid on or before the due date. For example, a mortgage payment due on July 1st, with a 15-day grace period, must be scheduled for processing by no later than July 1st). Two-day payments are remitted to electronic merchants, and five-day payments are remitted to check merchants. Please note, "Today" payments are not actually processed/remitted until the following business day. The "today" payment date is Day 0 (this is the debit date). The payment processing date (the next business date when the credit is remitted) is actually Day 1.
   
   
2. The payment was not made to an excluded merchant (see list below):
• Tax entities*
• Collection agencies*
• Court-ordered payments such as alimony, child support, speeding tickets, etc.*
• Payments to payees outside of the United States *
• Payments to payees located in the Armed Forces Postal Codes such as AE and AP
• Payments to settle securities transactions
• Payments to payoff "special financing" transactions
• Unprocessed payments due to debit failures

*Payments to these merchants are not permitted through this service.

3. The information supplied by the user is correct (payee name and address, user name and account number as it appears on the payee's records).