Anyone who is a Savings Bank of Maine customer may sign up for and have access to their accounts through Online Banking.

Yes. The same great features of Online Banking are available to our business customers. Because of their special needs, our business customers have access to some electronic payment methods not available to our personal accounts. The person opening the Online Banking account must be authorized by the business to do so.

Yes, but we consider Business and Personal accounts as separate relationships. If you’d like to combine your business and personal accounts we will be happy to arrange that for you.

In most cases, Online Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside our control. We process and update your Online Banking transactions only on business days. Our business days are Monday through Friday, excluding legal holidays.

The majority of the information displayed in Online Banking is real time information. You will see your online transactions post to your account throughout the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use your Visa Debit Card, use the ATM or transfer funds between accounts, your available balance will be updated to reflect that activity. Most activity at branches will not show on your account(s) until the next business day.

If you’re having problems accessing Online Banking, check to see if you can access other web sites. If you cannot, contact your Internet Service Provider.

If you can access other web sites but can’t access Online Banking, the system is either off-line or we’re experiencing a temporary disruption of service. Please try again later.

If the problem persists, please contact us at (207) 582-5550 or 1-888-424-4184, if Gardiner is a toll call. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

This may be due to your web browser. Online Banking requires a browser that supports 128 bit encryption with SSL protocol. Netscape Navigator 7.0 (or higher) or Microsoft Explorer versions 6.0 (or higher) are recommended. If using AOL or other browser you will need to verify that your version supports SSL encryption. To test your browser select the provided link “Test your browser’s security” located below the login box for Online Banking and follow the steps.

If the problem persists, please contact us at (207) 582-5550 or 1-888-424-4184, if Gardiner is a toll call. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

Yes, you can. To change your 12-digit Online Banking ID to a name or number that’s easier to remember, click on ‘Options’. In the box to the right of Personal ID type in your new ID (Alias). The Alias may consist of any combination of letters and numbers and must be between one and 12 characters in length. However, your new Alias must start with a letter. Once entered, you can use your Alias to login to Online Banking. (You can still login using the 12-digit login ID at any time.)

Maintaining the privacy of your bank information is important. You may change your Password at any time by going to ‘Options’. In the box to the right of Password type in your current Password. Then type in your new Password twice. Please don’t share your Online Banking Password with anyone. If you think someone knows your Password, change it.

You are allowed 3 Password attempts before being locked out of the system. If your account becomes locked, or if you’ve forgotten your Online Banking Password, please contact us at (207) 582-5550 or 1-888-424-4184, if Gardiner is a toll call. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

There could be several reasons. You may be entering the wrong Password. You could also be locked out of Online Banking. You are allowed three login attempts. On the third attempt, if invalid, you are locked out of Online Banking. If you get locked out, please contact us during normal business hours at (207) 582-5550 or 1-888-424-4184, if Gardiner is a toll call. Representatives are there to answer your calls Monday through Friday from 8:00am to 5:00pm EST.

You should always log out the system if you’re going to be away from your computer for any length of time. If you forget to log out, the system will automatically log you out after 10-minutes. Your current session will become inactive and you’ll be forced to log on again to use the system.

Merchants use telephone communication to approve transactions from your card. They receive a temporary and a permanent authorization, both of which appear on your account information. When the permanent authorization settles to your account, the temporary amount will drop off. In every case, the amount charged to your card will equal the amount of your purchase and you will only be charged once.

These are “real time” transactions. ATM transactions, Online Banking Transfers, Visa Debit Card transactions are all considered “real time” transactions. These transactions are immediately posted to your account and show up in your account history.

Only statements produced after you signed up for Online Banking are available for you to view. You will then be able to view up to 6 months worth of statements as well as your current statement at any one time. When the most recent statement is added, the oldest statement will be removed so that you continually have a rolling 6 months of statements.

All same day transfers made Monday through Friday before 5:00 p.m. will show in your account immediately. All transfers made on a weekend, bank holiday, scheduled or requested after 5:00 p.m. will be processed one (1) business day later.

1. Check your credit report. The Fair Credit Reporting Act requires each of the three national credit reporting companies to provide consumers with a free copy of their credit report once every 12 months (visit www.annualcreditreport.com).

Immediately change your current Password. Go to 'Options', in the box to the right of Password type in your current Password. Then type in your new Password twice. Contact the bank at (207) 582-5550 or 1-888-424-4184 during business hours.

1. You will want to find out what Platform/Version you are running on your computer first before you start the download for Adobe Acrobat Reader. For instance Microsoft Windows XP platform or MAC OS 10.2.8-10.3.

If you have a My Computer icon on your Desktop:

• Right click on the icon and select Properties.
• Under the General tab locate the platform of Microsoft Windows you are running. (ex. Microsoft Windows 2000, ME, 98, etc.)
• Write this information down so you have it to start the download for Adobe Acrobat Reader.
• Click on Cancel.

If you do not have a My Computer icon on your Desktop:

• Click on the Start button located in the lower left hand corner of your Screen.
• Click on My Computer.
• Click on View System Information.
• Under the General tab, locate the platform of Microsoft Windows you are running. (ex. Microsoft Windows XP, etc.)
• Write this information down so you have it to start the download for Adobe Acrobat Reader.
• Click on Cancel.

To check what Mac OS you have, click on the apple icon on your desktop:

• Click on About this.
• Any Mac OS version less than 8.0 will read, "About this Macintosh."
• Mac OS 8.0 up to 9.2 will read, "About this Computer."
• Mac OS X or newer will read, "About this Mac."
• Once you click the About option, it will bring up a window that displays information about your computer, including the exact Mac OS version you are running.
• Write this information down so you have it to start the download for Adobe Acrobat Reader.

3. Scroll down to Step 1 of 2. Choose your Language, Connection speed and Platform. The platform will be the information you wrote down above. The platform your PC has will determine the latest version of Acrobat Reader you can install. For instance if you are running the Windows XP platform you can install Adobe Acrobat Reader 7.0. If you are running the Windows 98 Second Addition platform you can install Adobe Acrobat Reader 6.0. Once you click on your PC platform, Adobe determines which version of Adobe Acrobat Reader you can install. Adobe also gives you the option to download additional features such as the Yahoo toolbar and Adobe Photoshop Album Starter, these free downloads are optional to you. You do not have to select these options to have the Adobe Acrobat Reader.

4. Once you have made your selections, click on Continue at the bottom left of the screen.

5. Click on the Download button to start the download. Follow the prompts to install the Adobe Acrobat Reader software.

6. Once the setup is complete, click on Finish.

7. You now have the latest version of Adobe Acrobat Reader for your PC Platform.

You can pay any business or person, even if they don’t accept electronic payments. All you need is the payee's name and mailing address. However, you cannot pay any government agency.

Electronic payments scheduled for same day processing will post to your checking account the same business day, if entered prior to 1:00 p.m. EST.

Check payments will be deducted from your checking account after the check has been received by your Payee and the check has cleared your account – the same as a check you write from your own checkbook.

Payments scheduled for weekend dates or holidays will be sent to your Payee on Friday and/or the business day preceding the holiday. Electronic payments scheduled for weekend or holiday dates will be deducted from your account on Friday or the business day preceding the holiday.

Payments are processed twice a day, Monday through Friday at 3:00 a.m. EST and again at 1:00 p.m. EST, except holidays.

Check payments are handled in the same manner as a check written out of your checkbook against an insufficient balance. You are subject to overdraft fees and the payment might be returned.

Electronic payments are verified for funds availability during processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

You may add, edit, or delete a payment up to 3:00 a.m. EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 a.m. EST and 1:00 p.m. EST it may be edited up until 1:00 p.m. EST.

Check payments scheduled for weekend dates or holidays will be sent to your Payee on Friday and/or the business day preceding the holiday.

Electronic payments scheduled for weekend or holiday dates will post to your account on Friday or the business day preceding the holiday.

Yes. You cannot pay any government agency.

Yes. As long as you have a bank account with Savings Bank of Maine. However, you cannot pay bills to payees located outside the United States.

Yes. When viewing your current transactions, click on the check number and an image of your cancelled check will be displayed. You can then print this image. If the check number is no longer displayed, you will need to contact the bank at (207) 582-5550 or 1-888-424-4184 for this information.

Payment history for active and deleted payees is retained and viewable indefinitely.

Most electronic payments are received by the vendor's financial institution the next day and most check payments are received within 5 days. However, we recommend that you allow 3 to 5 business days for electronic payments and 7 to 10 business days for check payments when you make your first payments online. After you determine when the vendors actually receive the payment and credit your account, you can adjust the payment schedule accordingly to reflect the actual number of days that each individual payment takes

Electronic payments are validated against the account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through Online Banking Bill Payer. You are limited only by the amount of funds in your account.

Currently, a recurring scheduled payment can be set up in advance to any date in the future. A one time payment can be set up to be sent 5 years in the future.

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 in the same day.

Yes. After the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Payments processed electronically cannot be stopped.

Payment Pending
The payment has been processed, but not yet sent.

Payment Processed
The payment has been processed and sent.

Hold
The payment has a research request on it and has not been processed.

Stopped
You have requested the payment to be stopped. It can not be processed again.

Rejected NSF
The payment that you have tried sending has rejected due to Non-sufficient funds.

Vendor Refund
Payment rejected at Princeton E-Com.

Communication Failure
There was an error due to communication problems.

There is no limit to the amount of payees you can set up through the Internet.

No. You will have to set up a new vendor with the correct address and delete the old one.

Once you have set up the vendor/merchant, look at the VIEW PAYEES screen to see how the payment will be sent.

Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. The account number that you entered when adding the payee to your Personal Payee List is also printed on the check. This lets the payee know to which account the payment should be applied.