Frequently Asked Questions

Security Issues

Q: Is Online Banking Safe?
A: Online Banking is very safe. We have firewalls in place and use encryption codes (Encryption is a method of scrambling information transmitted between you and the bank) to ensure safety and confidentiality.

Q: Can other people see my account Information?
A: No, your online account information is available to only those with an authorized Access ID and password. The information is not public. We have taken every step possible to ensure that our online banking system meets the latest security standards and uses the most up-to-date encryption methods and software.

Online Banking

Q: What is Online Banking and how much does it cost?
A: Online Banking enables you to access your accounts electronically through a computer via the Internet. There is not a charge for personal customers.

Q: Do I need special software or hardware to use the Range Online?
A: You will need to have internet access and a browser installed on your PC, e.g. the latest versions of either Microsoft Internet Explorer Netscape's Navigator.

Q: How do I open an Online Banking account?
A: Simply apply online by clicking on the "New UserSignup". Once you complete the application, you may either print out the application, sign it, and mail it to us, or you can click on the "submit" button and submit it to us electronically.

Q: How soon will I be able to access my account information after I sign up for Online Banking?
A: Once we receive your application, a letter will be sent to you with your User ID and PIN within 5 business days.

Q: What accounts can I access with Online Banking?
A: Checking, Savings, Certificates of Deposit, IRAs, and Loans.

Q: What will I be able to do with Online Banking?
A: View account balances, account history, images of cleared checks, past statements, transfer funds between accounts, request stop payments.

Q: How current is the information displayed in Online Banking?
A: The available balance for checking and savings accounts is "real-time" and will change throughout the day based on your activity. However, there may be items that will not be reflected in your balance until after the bank completes its nightly processing.

Q: How do I get help if I do not understand something on my account?
A: If you have questions about your account or do not understand something, a bank representative will be available to assist you at (906) 475-8076 between the hours of 8:30 a.m. and 4:30 p.m.

Q: What do I do if I forget my PIN?
A: We do not have access to you PIN. However, we can reset your PIN to your original PIN. Just give us a call at (906) 475- 8076.

Q: I share a checking account with someone else. Do we both need to sign up for Online Banking?
A: Yes. Each individual will be given a separate User ID and PIN.

Q: How do I get help if I'm having technical problems?
A: If for some reason your information online doesn't appear to be correct or complete please call (906) 475-8076 between 8:30 a.m. and 4:30 p.m. If you have a question about either your computer equipment or your Internet Service Provider, you'll need to contact their respective customer support lines.

Bill Payment

Q: How much does Online Bill Payment Cost?
A: There is no charge to pay your bills on-line.

Q: How does Online Banking Bill Payment Service work?
A: The Payment will either be processed with a check or through an Automated Clearing House (ACH or electronic). If the payment is processed using a check the money will be withdrawn from your account when the check clears. If the payment is processed electronically the money will be withdrawn from your account the day you instruct us to process the payment. If a request for a bill to be paid is received before 1:00 pm EST they will be sent that day, otherwise they will be sent the next business day.

Q: How will I know what payments have been made?
A: Through Online Banking, You will be able to view the transaction on your screen. The payments will also appear on your monthly bank statement. Keep in mind that we only make the payments you authorize, you are in control of your account at all times.

Q: What if I don't have enough money in my account when the bill payment clears my account?
A: Despite the advantages of Bill Pay, you still need sufficient funds in your account to cover the payments you authorize. If the payment is being processed electronically the system will make sure there is enough money in the account before the bill is processed. If a payment is made with a check the check may be returned if there is not enough money in the account.

Q: How long does it take after I pay a bill before it is received by the payee.
A: If the payment is made electronically it will take up to two business days. If the payment is made by check you should allow eight business days.