Frequently Asked
Questions
What is
eValley Online
Banking?
eValley Online
Banking is a
convenient way to
gain secure access
to your NVS&L
checking and savings
accounts via the
Internet. Check
balances, transfer
funds, verify
cleared checks or
deposits, even pay
bills, 24 hours a
day, 7 days a week
using your personal
computer.
What can I do
with eValley Online
Banking?
- Access your
NVS&L checking,
savings, or loan
accounts 24
hours a day, 7
days a week
- Transfer
money between
accounts at any
time
- Automatic
account
reconciliation
- View account
statements with
real-time
history and
balances
- Automatic
Bill Payment
- Ability to
maintain list of
payees and
payers
- Export
transactions to
Quicken or
Microsoft Money
- Use online
help with all
screens
Which of my
NVS&L accounts are
accessible?
You can access
information about
your checking,
savings, CDs,
mortgage, home
equity, installment
loan or line of
credit. Real-time
balance information
is available.
Account activity is
current as of the
last posting date.
What equipment
do I need?
To access eValley
Online Banking you
will need a PC or
MAC and have access
to the Internet.
Recommended browsers
are: Netscape 6.0 or
higher or Microsoft
Internet Explorer
5.5 or higher with
128-bit encryption.
Your browser must
support 128 Bit SSL
(Secure Socket
Layer) security. SSL
allows you to send
and receive
encrypted
transactions over
the Internet. No
other software is
required.
What do I need
to set up my
account?
Visit our website at
www.nvsl.com. On our
home page, click on
Apply for eValley
Online Banking and
choose Enroll Now.
When will I
know that my account
was approved? When
can I begin using
the account?
You will know that
you have been
approved when you
receive 2 notices
via U.S. mail in the
next 3 – 5 business
days. One will
contain your access
ID, the other will
contain your
password. Once you
have received both
notices, go to the
login page and use
the access ID and
password to sign on
to eValley Online
Banking for the
first time. You will
be prompted to
change your
password. You will
also have the option
of customizing your
access ID as well.
Who do I call
for help?
You can call the
eValley Customer
Service
Representative at
(203) 720-5000. You
can also e-mail
eValley Customer
Service at eValley@nvsl.com.
(Just remember that
e-mail is not
secure. Do not
include information
such as account
number or social
security number.)
Is eValley
Online Banking
secure?
With the use of
encryption
(scrambling data),
firewalls and
filtering routers
incorporated into
our overall banking
architecture, secure
and authentic
transactions take
place over the
Internet.
eValley Online
Banking service
utilizes several
layers of technology
to ensure the
confidentiality of
transactions.
Security begins with
your browser.
Netscape and
Microsoft's SSL
protocol (Secure
Sockets Layer) is
used to provide
encryption of data
flowing between the
browser and the
server. The
protection provided
by SSL is to ensure
confidentiality of
your financial and
personal data.
Further protection
from intruders
exists within our
system of firewalls
and filtering
routers. Each
presents an
additional barrier
between the Internet
and the internal
network. Firewalls
examine each packet
of information that
is sent across the
Internet to the
internal network.
The purpose of the
firewall is to
protect the internal
network from outside
observation. All
traffic to the
firewall is
filtered, verifying
the source and
destination of each
information packet,
and eliminating
anything suspicious.
Filtering routers
are used to verify
the source and
destination of each
information packet
sent to the bank,
and filter out all
packets not
addressed to
specific network
services. The
filtering router
eliminates any
outside packets with
an inside source
address, to prevent
outside users from
trying to masquerade
as internal sources.
The only traffic
that is allowed to
the Transaction
Processing Server is
HTTPS traffic.
Customers have their
own set of
responsibilities in
providing security
for their eValley
Online Banking
account. Passwords
must be kept secret.
Users should make
sure that no one is
physically watching
as passwords are
entered. Users
should also take
precautions to keep
computers free from
viruses that could
be used to capture
password keystrokes.
Also, Automatic Time
Out is set as
default. When there
is no activity for
20 minutes, your
eValley Online
Banking session is
terminated to help
protect against
unauthorized access.
How can I
determine if the
eValley Online
Banking site is a
secure site?
When you are
accessing the
eValley site, there
are 3 ways you can
determine eValley is
a secure site. Once
you are at the site:
1. The site begins
with https:// - This
stands for
“hypertext transfer
protocol secure”.
2. There is a solid
key in the lower
left corner in
Netscape. There is a
lock in the right
corner of Internet
Explorer.
What happens
if I forgot my
password? How do I
access my account?
When you choose your
password, it is
immediately
encrypted for your
protection and no
one knows it but
you, not even
Naugatuck Valley
Savings and Loan. If
logon fails due to
incorrect password,
check to see if the
CAPS Lock is
activated on your
keyboard, as your
password is case
sensitive. Your
password will be
deactivated after 5
incorrect tries. If
you have forgotten
your password or
your password
becomes deactivated,
notify your eValley
Customer Service
Representative. A
Customer Service
Representative will
be able to
reactivate you if
you remember your
password but got
locked out, or are
able to reissue a
new password. You
can’t access your
account on-line
without a password.
However, you may
chose to temporarily
use the Valley Voice
system for balance
inquiries. If you
forgot your
password, the
Customer Service
Representative will
submit a request to
have a new password
generated for you
and you will receive
the new password in
the mail. This may
take up to 5 days,
depending on the
circumstances. This
password is only a
temporary password
and the system will
prompt you to change
the password once
you have
successfully logged
in.
Can I e-mail
questions about my
account to you? How
secure is e-mail?
E-mail is not
secure. However,
most account
questions are fine
to handle via e-mail
as long as you do
not send secure
information such as
account numbers or
social security
numbers.
Can I access
my accounts only
from home?
No, you can access
your account from
anywhere that you
have Internet access
that supports
128-bit encryption,
since eValley Online
Banking does not
require additional
software.
I have three
accounts, but only
two accounts appear?
Why?
You may want to
contact your eValley
Customer Service
Representative,
which can help you
determine the cause
of this.
Will I be able
to see all of my
history of
transactions?
You will only be
able to see the
history since
becoming Internet
enabled. The online
statement displays
all the transactions
that have cleared
the bank during a
selected time
period. The default
period begins 30
days prior to the
current date, but
the customer may
change the time
frame to any date
range.
How current is
the information?
The available
balance for checking
and savings accounts
is real-time and
will change based on
your activity. All
other information
entered after 2:30
p.m. is considered
to be received the
next business day.
Balances are
real-time, however
the customer’s
history may not
reflect transactions
that were processed
the next business
day.
Can I use
Quicken or Microsoft
Money with eValley
Online Banking?
Since eValley Online
Banking does not
require any
software, you can
only use one of
these programs with
your eValley account
in the following
ways…
You can download
your statement in a
Quicken readable
format (*.QIF) which
can then be imported
into Money or
Quicken. This will
enable you to use
Money or Quicken’s
graphing, charting,
and tracking
features with
eValley Online
Banking.
Due to security
limitations, you
currently cannot
create transactions
in Money or Quicken
and then upload into
eValley Online
Banking for
processing.
Is eValley
Online Banking Free?
eValley Online
Banking is free of
charge. eValley
Online Bill Pay is
$4.95 a month and is
deducted from your
checking account.
Can I make my
loan payment over
the Internet?
If both the loan
account and deposit
account are
available on eValley
Online Banking, you
will be able to use
the transfer funds
function. However,
payment of the loan
must be for the
exact amount due.
You.
eValley Online
Bill Payment
For questions about
bill payment, refer
to the online FAQs
within the eValley
Bill Pay system. |
