Frequently Asked Questions

MOBILE BANKING DEBIT CARDS ONLINE BANKING BILL PAY ESTATEMENTS

Mobile Banking FAQs

The convenience of banking at your fingertips. Please contact us with any additional questions at 800-658-3183 or email us.

Getting Started / Customer Service

What is Mobile Banking?

Mobile banking is our mobile service that brings banking to your phone. Mobile banking allows you to monitor your account from your phone any time.

What can I do with Mobile Banking?

Mobile Banking allows you to:

View account balances
View transaction history
Transfer Funds
Pay bills
Receive text alerts

Is Mobile Banking secure?

To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

Authentication- You are authenticated for every interaction with Mobile Banking.
All data is encrypted.
Fraud Detection- We incorporate mechanisms such as transactions validation and transaction reconciliation process to detect fraud.
No identifiable information- We don’t return any personally information in a text message, such as your full account number, email address, or personal address. We never ask for or include your user id or password in any message we send.

Is my personal or financial information stored on my device?

No. We don’t save any files with your personal or financial information on your device. That information stays strictly within online banking.

How do I enroll in Mobile Banking?

To enroll in Mobile Banking, search for Home Federal Bank GI Mobile in the App Store or Play Store and download the app, OR follow these easy steps:

Log in to Online Banking
Click Profile
Scroll down to Mobile Banking
Click Enroll
Follow the steps for your mobile banking version

Can I add more than one mobile device?

Yes. You can register several mobile devices for Mobile Banking.

What if my device is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your device in Mobile Banking. Go to Online Banking and access the Mobile Banking pages. On the My Devices page, find the phone number and select the option Stop using this device for Mobile Banking.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

How do I stop using Mobile Banking on my phone?

Mobile Browser

What do I need to use the mobile browser service?

To use Mobile Banking’s browser service, you must:

Have an online banking account
Have a mobile phone that supports web browsing
Have a data connection

Mobile Banking is optimized for a wide range of devices – providing a rich and interactive interface on touch screens, such as the iPhone, iPad, and Android, while maintaining a simple and clean interface for a wide range of phones from a diverse set of manufacturers such as iPhone, Android, BlackBerry, and Windows.

How do I access the Mobile Banking website?

Visit our site from your device at homefederalne.bank You can login to your Online Banking account right from the Home Page.

Downloadable App

What do I need to download the Mobile Banking application?

To download the Mobile Banking application, you must:

Have a mobile device that supports downloadable applications. Most Android phones, iPhones, iPads are supported
Have a data connection

How do I download Mobile Banking to my phone?

To enroll into Mobile Banking, search for Home Federal Bank GI Mobile in the App Store or Play Store, OR follow these steps:

Log in to Online Banking
Click Options
Scroll down to Mobile Banking Profile
Enter your Mobile Phone Number
Follow the steps for your mobile banking version
Click Submit

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit allows you to make secure deposits anytime, anywhere, quick as a snap, using supported Apple and Android devices. With Home Federal Bank’s Free Mobile Deposit you are able to electronically deposit checks using Home Federal Bank’s Mobile Banking App.

Who’s eligible to use Mobile Deposit?

Current Mobile Banking customers who are 18 years of age and older, maintain a good standing Home Federal Bank checking account, have the Home Federal Bank GI Mobile app installed on their mobile device, and who have accepted the Mobile Deposit Service Agreement.

Is Mobile Deposit secure?

We use advanced encryption and security technology to ensure that deposits made through the Home Federal Bank Mobile Banking App are secure. Online Banking credentials and check images are not stored on your mobile device. Account numbers are not listed instead you view accounts by nickname. 128-bit encryption masks your sensitive information.

How do I get Mobile Deposit?

To use Mobile Deposit, you will be asked to read and accept the Mobile Deposit Service Agreement.

You will also be required to enroll in Home Federal Bank’s group text messaging service, so that you may be contacted if there is a problem with a mobile deposit that you have submitted.

How does Mobile Deposit work?

Mobile Deposit is secure and easy to use. Sign in to your Home Federal Bank Mobile Banking App and then follow these steps.

Select the Deposits button/tab
Select New Deposit
Select the checking account you would like the check deposited to
Enter the check amount.
Take a picture of the front and back of your endorsed check with your mobile device. For images that work best, follow these suggestions.
1. Place your check on a dark-colored, plain surface that is well lit
2. Position your camera directly on the check, not at an angle
3. Fit all four corners of the check in the guides of your mobile device’s camera screen
After successfully submitting the check image, you will receive a confirmation screen letting you know the deposit is pending. You will receive credit for the deposit in up to two business days.

How should I endorse the check?

If the back of the check is not properly endorsed we reserve the right to reject the check for deposit. Endorsement should include the payee’s signature (your endorsement) and the words “For Mobile Deposit”.

When are the funds available?

Mobile Deposit funds are generally available on the next business day after the day of your deposit, unless a hold is applied. If that is the case, you will receive a message the next day, in regards to the deposit. Saturday, Sunday, and Federal holidays are not considered business days.

For deposits made before 4:30 pm CST business days, funds are generally available on the next day after the day of your deposit.

For deposits made after 4:30 pm CST business days, funds are generally available on the 2nd business day after the day of your deposit.

For deposits made on Non-business days, funds are generally available on the 2nd business day after the day of your deposit

What should I do with my paper check?

Please securely store your check for 5-14 business days. After that timeframe, destroy the paper check. This will allow sufficient time in case the original check is required for any reason.

What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business and government checks. The checks must be payable to and endorsed by the account holder.
International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash are not eligible for Mobile Deposit.

What dollar limits apply to Mobile Deposit?

Deposit limits are as follows:

Check limit/Daily limit is $5,000

How many checks can I include in one deposit? Can multiple deposits be submitted the same day?

One check equals one deposit. Mobile Deposit does not limit the number of checks that can be submitted in one day. However a daily deposit limit of $5,000 does apply.

Why am I unable to deposit my check?

Here are a few common errors that may cause your check to be rejected for mobile deposit.

Folded or torn corners
Front image is not legible
Back of check is not endorsed properly
Amounts not matching
Routing and account numbers are unclear
No camera on the device
Image is to dark
Amount is over daily limit ($5,000)

Try using Mobile Deposit in a well-lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.

Can I view past mobile deposits?

Within the Home Federal Bank Mobile Banking App, using Mobile Deposit, you are able to view mobile deposits made in during the previous 45 days, including the check images.

Where can I download the Mobile Deposit Service Agreement?

Download Mobile Deposit Service Agreement

Personalized Debit Cards

Who is eligible for a Custom Debit Card?

Customers who have a Home Federal Bank checking account.

How do I switch from a standard Home Federal Bank Debit Card to a Custom Debit Card?

To create a new custom card, Apply .

What if I want to keep my existing Home Federal Bank Debit Card and just add a custom image to it?

Unfortunately we do not have the way to add custom images to our standard debit cards without issuing a new card number and PIN.

How often can I change my design to a customized Home Federal Bank Debit Card?

You can change the existing card for either the primary or authorized user as often as you like, being aware that a fee is involved at each image change.

What images are not acceptable?

Please see our image specifications guide for our criteria for acceptable photo submissions. Home Federal Bank reserves the right to reject and image we believe violates our Image Specifications and Guidelines. If an image is rejected you will be notified by e-mail within two business days. You may submit a new image anytime following your rejection.

What if I pay recurring bills using my Home Federal Bank Debit Card?

Anytime you order a new debit card, verify if the card number has changed and then be sure to notify the vendors initiating the payment of the new card number. All new/replacement Custom Cards come with a new card number, three-digit security code and PIN.

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card.

How will I receive my personalized card?

Your card will be mailed to you via the US Postal Service.

How long will it take to receive my card?

After your request has been submitted and approved by Home Federal Bank you can expect your card to be mailed within 10-15 days.

What will happen to my existing Home Federal Bank Visa Debit Card?

Your existing card will be closed 30 days after your new Home Federal Bank Custom Debit Card is ordered

If my card becomes damaged or my names changes, what should I do?

In order to have your existing card reissued with the same card number and PIN, please visit one of our branches or contact us at 308-382-4000.

Have additional questions about creating your Home Federal Bank Custom Debit Card?

Online Banking FAQs

The convenience of banking at your fingertips! Please contact us with any additional questions at 800-658-3183 or email us.

Getting Started/Customer Service

What do I need to bank online?

To get started, access Home Federal Bank’s home page (www.homefederalne.bank) and click Enroll Now in Online Banking.

How is this different from Quicken? What if I already use this program?

You can use this program with your Online Banking account in the following ways:

You can download your history in QFX format which can then be exported into Quicken. This will enable you to use Quicken’s graphing, charting and tracking features with your account. Simply select the account that you want to download into Quicken, click on the Download button and select your format.
You also have the option of downloading your statement in CVS format which can be exported into Excel.
You can also download to Microsoft Money.

Security

How secure is my personal account information?

Home Federal Bank uses the latest internet security available including secure communications (SSL), firewalls, encryption, and operating systems that have been designed to provide maximum security.

Will customer service have access to my account?

Customer Service will not be able to view your online account in order to assist you, unless you grant them access through our Online Chat. Customer Service will be able to advise you how to make corrections but cannot make changes themselves.

My password doesn’t work. What do I do?

Passwords are case sensitive, make sure to check your Caps Lock key. Check that your Access ID is entered correctly. If you are still unable to get in, Customer Service may need to issue a new password.

What if I forgot my password?

If you have forgotten your password, click the “forgot password” on the login page, or contact customer service.

What if I want to change my password?

If you would like to change your password, go to profile at the top right corner, and then click edit in the password section.

What is my FDIC coverage?

Your accounts carry the normal levels of coverage. The Federal Deposit Insurance Corporation (FDIC) is a governmental agency, created in 1933, which provides a monetary guarantee of up to $250,000.00 per depositor, per bank, subject to certain conditions.

Account Access

Will I be able to print account history, transfers, etc.?

Yes. Click the account you wish to see, then use the print icon on the top of the Account page.

Is there a limit to how many months of transactions can be viewed?

Yes. History begins the day you open your Home Federal Bank account and is available for 18 months.

How often is my account information updated?

Account information is updated in real time, offering you the most current information.

I have three accounts, but only two accounts appear in Online Banking. Why?

Customer Service will need to check your accounts to verify which ones are Internet enabled. Contact Customer Service for assistance.

How can I make my loan payment online?

If both the loan account and deposit account are available in Online Banking, you can use the transfer funds function. You can also set up a recurring payment/transfer by using the transfer function. If one of the accounts is at a different bank, you can set up a recurring payment through the bill pay option.

Bill Pay FAQ

How to get started.

Click on the Bill Pay tab to begin the enrollment process. Once enrolled, add companies and people you want to pay. After adding your bills, go to the Payment Center. To pay a bill, enter a payment amount and the date for the company or person you want to pay. Pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

Pending Payments: Provides a quick summary of the payments that have not been processed or are in process
Recent Payments: Provides a list of bills that have recently been paid

You can also find a list of recent payments for a particular biller in the Activity Tab.

Is there a limit to the number of payments I can make per month?

There is no limit on the number of online bill payments you make.

Is there a dollar limit on Bill Pays?

There is no dollar limit.

If there aren’t sufficient funds to cover an automatic bill pay, does it try again the next day?

Merchants typically try to process the payment two times. Therefore, your account may incur overdraft charges twice before it is returned.

Can I stop a payment once it is scheduled or sent?

If a payment is in either In Process or Processed status, you cannot stop or make any changes to it. If the payment is in Scheduled status, you are able to stop and/or change the payment.

Who can I pay with Online Bill Pay?

Anyone, anywhere in the United States. Funds can only be sent and received in U.S. dollars to an institution or merchant with a U.S. Zip Code, including Puerto Rico and Guam. Funds cannot be sent to pay U.S. taxes or Court Orders.

When paying individuals you have a choice of Bill Pay or Person to Person Payment. To select Person to Person Payment – go to the Payment Center, click on the Send Money with Zelle.

eStatements

How many months’ worth of statements will I have access to?

Upon enrollment, 18 months will be available.

What if I can’t view my statements?

Try clicking the Download Adobe Reader link on the eStatements page to make sure you have the most updated version. If you are still unable to access the statements, contact customer service.