GENERAL PRODUCT QUESTIONS (click link below)
What is Frontier NetTeller?
How much does Frontier NetTeller and/or Power Pay cost?
How do I sign up for Frontier NetTeller?
How long, after signing up, do I have to wait to use Frontier NetTeller?
How do I log onto Frontier NetTeller for the first time?
How do I change my PIN?
What if I have problems with or forget my Access ID or PIN?
What accounts can I access using Frontier NetTeller?
How do account transfers work?
Can I transfer to and from any account?
Can I use Quicken® or Microsoft Money® with Frontier NetTeller?
Can I retrieve images of checks?
How much history is maintained on my accounts?
Is online banking service available for Small Business accounts?

OPENING A NEW DEPOSIT OR LOAN ACCOUNT (click line below)
What kind of accounts can I apply for Online?
How do I open an account?

BILL PAYMENT SERVICE (click link below)
How do I sign up for Frontier NetTeller with Power Pay service?
How do I start using Power Pay?
Which of my Frontier Bank accounts can I use to pay bills?
Who can I pay?
Is there anyone I shouldn’t pay through Power Pay?
How are my bills paid?
When is my account debited for my scheduled bills?
Can I schedule recurring payments?
How do I cancel a bill payment or recurring payment?
Can I change or delete a payee?
Can I change a scheduled payment?
Can I place a stop payment on a bill payment that has already been processed?
What is the cut-off time to change or delete pending payments?
What should I do if a payee has not posted my payment or if I’ve received a late notice?
What happened if I don’t have enough money in my account to cover a Power Pay Payment? Will I be notified?

FRONTIER BANK FUNDS AVAILABILITY POLICY (click link below)
What is Frontier Bank Funds Availability Policy?

SECURITY ISSUES (click link below)
How safe is my account information?
Where can I find more detailed information about security?
Can the Bank answer questions about my internet service connection or my computer?
Can anyone else see my account information?
Who is liable, the Bank or me, if a “hacker” breaks into the system and takes all or some of my money?

MISCELLANEOUS INFORMATION (click link below)
Why does Frontier NetTeller load so slowly over the internet?
How do I contact the Bank if I have a question or comment about Frontier NetTeller?
What internet browsers can I use with Frontier NetTeller?
Can I access Frontier NetTeller outside the United States?

If you do not find the question or answer you're looking for, send us your question at ibsupport@frontiernational.com or telephone 1-888-369-0303 and we'll be happy to answer it.

**PLEASE DO NOT SEND CONFIDENTIAL INFORMATION VIA E-MAIL.**

GENERAL PRODUCT QUESTIONS

What is Frontier NetTeller?

Frontier NetTeller lets you use a personal computer and telephone line (modem) to perform many banking activities via the internet, including viewing your account balances, transferring money, and paying bills.

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How much does Frontier NetTeller and/or Frontier NetTeller with Power Pay cost?

The cost for Frontier NetTeller is FREE when you use it to access account information, balance your checkbook and conduct transactions such as account transfers, etc.

The monthly maintenance cost for Frontier NetTeller with Power Pay service is $5.95. The monthly service charge is waived for checking accounts with a monthly average collected balance of $5,000.

The first ten (10) transactions are FREE. Beginning with the eleventh (11) transaction, the cost is $.40 per transaction.

The applicable fees will automatically be deducted from your account during your monthly statement cycle. Refer to the "Power Pay" section for detailed answers to your questions.
Initially, your first three (3) months for both services will be FREE as a Special Introductory Offer.

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How do I sign up for Frontier Net Teller?

If you currently have an account with us, you have two ways to sign up. For security reasons, we will identify you prior to providing access.

1. From our Web Site:

a) click on “Online Banking".
b) From the Frontier Bank Online Banking Products page, click on “Enrollment Form.” Complete and sign the enrollment form.
c) deliver the form to any Frontier Bank, N.A. branch location or mail to:
Frontier Bank Attention Online Banking P.O. Box 630, Sylacauga, Alabama 35150
d) within approximately five business days of receipt of your enrollment form we will mail you:

· A welcome letter
· Your Access ID

e) The first time you login to Frontier NetTeller, you must “agree” to Frontier Bank's Online Banking Agreement and the Web Site Agreement before receiving access.

Note: Your “temporary” PIN will be the last four (4) digits of your social security number. You will be REQUIRED to change your PIN and will have the OPTION to change your Access ID during your initial logon to the Online Banking service.

2. Visit any one of our banking offices to request the service.
If you do NOT currently have an account with us, please visit one of our banking offices and open an account. You can sign up for Frontier NetTeller at the same time and will receive your copy of Frontier Bank's Online Banking Agreement, Web Site Agreement, and Security Statement during your initial logon to the Online Banking service.

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How long, after signing up, do I have to wait to use Frontier NetTeller?

Within approximately five business days of receipt of your enrollment information we will mail you an enrollment package including:

· A welcome letter
· Your Access ID

Upon receipt of your enrollment package you can log in and begin using the service.

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How do I log onto Frontier NetTeller for the first time?

Upon receipt of your enrollment package and Access ID:

· Visit Frontier Bank’s Website at www.frontierbank.net
· Select the Personal Online Banking feature.
· Select the Frontier NetTeller option.
· Select the login option.
· At the login screen:
· Enter your Access ID
· Enter your “temporary” Frontier NetTeller PIN (the last four (4) digits of your social security number.
· After logging in you will be prompted to change your “temporary” PIN and will have the option to change your Access ID.

a. Your PIN must be a minimum of 6 characters with a maximum of 12 characters in length. For added security we suggest that your PIN contain at least one (1) numeral and one (1) letter.
b. For a more secure PIN, we suggest you use a combination of upper and lower case letters, numbers and/or hyphens. Do not make it something that can be easily guessed or figured out (i.e. your nickname, middle name, etc.)

You are now ready to use the service anytime and anywhere you have internet access.

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How do I change my Frontier NetTeller ID and/or PIN?

You are able to change your Frontier NetTeller ID to an alias and/or change your Frontier NetTeller PIN any time you log on to Frontier NetTeller. Simply click the "Account Management" button, and then follow the directions.

· Your PIN must be a minimum of 6 characters with a maximum of 12 characters in length. For added security we suggest that your PIN contain at least one (1) numeral and one (1) letter.
· For a more secure PIN, we suggest you use a combination of upper and lower case letters and numbers. Do not make it something that can be easily guessed, like a nickname, middle name, etc.

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What if I have problems with or forget my Access ID or PIN?

E-mail us at ibsupport@frontiernational.com or call Online Banking at 1-888-369-0303 between 8:00 a.m. and 5:00 p.m. CST, Monday through Friday, and we will assist you with a new PIN.

**PLEASE DO NOT SEND CONFIDENTIAL INFORMATION VIA E-MAIL.**

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What accounts can I access using Frontier NetTeller?

You can access any personal checking account, money market, savings account, certificate of deposit, or loan you have with us provided that you specified the account on your enrollment form and/or the account does not require a multiple signer.
Note: loan and certificate of deposit access will provide information only. You cannot request transfers from these accounts.

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How do account transfers work?

Transfers between Bank accounts requested before 4:00 p.m. on a regular business day may be processed that same day. Transfers between Bank accounts requested after 4:00 p.m. (or on a weekend or Bank holiday) may be processed the next business day.
Note: Transfers from loans are not available at this time.

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Can I transfer to and from any account?

Account transfers are allowed to and from personal checking, NOW, savings, and money market accounts for which you are an authorized signer on the account and do not require more than one signer. You cannot transfer funds from an installment loan or line of credit, or from or into a certificate of deposit or IRA. Funds transfers into loans or lines of credit will be credited as payments.

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Can I use Quicken® or Microsoft Money® with Frontier NetTeller?

Yes, you can export posted transactions from Frontier NetTeller history to your Quicken®, or Microsoft Money®. Click the "Export" link at the end of the Transaction List. From the Select Export Format drop-down list box, select the appropriate file type. Then click the "Export" button to complete the process.

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Can I retrieve images of checks?

Currently, you cannot retrieve check images, but we are reviewing this feature as a future enhancement. We will post a message on Frontier NetTeller when it becomes available.

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How much history is maintained on my accounts?

You'll be able to view current month and previous month transaction history beginning with the date you sign up for the Frontier Net Teller Service.

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Is online banking service available for my Small Business accounts?

No. The Online Banking service is not available for business accounts at this time.

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OPENING A NEW DEPOSIT OR LOAN ACCOUNT

What kind of accounts can I apply for Online?

Currently we are not accepting applications for our depository or loan products through Online Banking.

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How Do I Open An Account?

Simply visit any of our banking offices and a Frontier Bank employee will be glad to assist you.

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USING THE POWER PAY SERVICE

How do I sign up for Frontier NetTeller with Power Pay service?

Power Pay is an option you can sign up for when enrolling in Frontier NetTeller. There is a monthly charge for this additional service and you will be charged a small transaction fee when you make a payment. Please refer to the Online Banking Agreement for specific charges.

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How do I start using Power Pay?

To add a payment, you must first define a payee. Simply click the "Add Payee" button and enter the following required information:

· The payee name.
· Payee Type (check or electronic).
Note: Electronic payments can only be made for payees listed in the “Search Electronic Payee List.” Click the “Binoculars” to locate.
· Account Number (This is your account number with the payee).
· The payee's address & city.
· The payee's state & zip code.
· The payee's phone number.

Now click the "Pay Bills" button to continue to add a new payment. Enter the information in the appropriate fields.

· Choose the “Pay from account.”
· Choose the “Pay to.”
· The amount.
· “Memo” information entered for check payees will print on the Memo line of the check.
· “Alert when bill is paid” will alert you when the payment has been issued, not when the payee receives the payment.
· “The frequency of the payment: (options are)
· On-demand
· Monthly
· Quarterly
· Semiannually
· Annually
· Weekly
· Biweekly
· Bimonthly
· “Payment date” represents the date the payment is to be sent.
Note: Payment submitted prior to 12:00 pm Central Standard Time (CST) on a bank business day will be processed that same day. Payments submitted after 12:00 pm CST on a bank business day will be processed on the next bank business day. Payments that are scheduled to occur on a bank non-business day will process on the previous bank business day.
· “Payment description” is for your records and will not print on the payment.

Complete the procedure by clicking the "Submit" button.

NOTE: To ensure your payee(s) receives the payment on time, schedule all your payments at least eight (8) business days before your bill's due date. You can always adjust the lead-time as you observe how quickly a payee posts your payment.

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Which of my Bank accounts can I use to pay my bills?

Power Pay service is offered through your checking account with the Bank, or if you have more than one checking account, you may select which checking account to make the payment from.

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Who can I pay?

You can make payments to virtually any business or individual located within the United States.

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Is there anyone I shouldn't pay through Bill Pay?

The Power Pay service may not be used to make payments to settle securities purchases, federal and state tax payments, or court-ordered payments.

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How are my bills paid?

Each day we process all bill payment transactions for that day. Your account is debited for payments you have scheduled and the money is sent to the payee one of two ways:

· Electronically through the ACH system.
· By draft (check) with your name listed as sender, mailed through the U.S. mail to your payee.

The drafts are prepared and mailed by Princeton eCom, our Power Pay service provider, in Princeton, New Jersey.

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When is my account debited for my scheduled bills?

For Automated Clearing House (ACH) transactions, your account is debited before 12:00 p.m. CST on the scheduled Payment Initiation Date. This is the "end-of-day" cut off time for Power Pay transactions. ACH bill payments entered after 12:00 p.m. CST may be processed the following business day. Payments scheduled on a bank holiday or weekend may be processed the next business day.
For bill payments utilizing a negotiable instrument (check), we will debit your account through the normal check processing cycle, which is usually the second business day following the Payment Initiation Date.

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Can I schedule recurring payments?

Yes! Refer to the add payment section above. It will continue to automatically schedule and send the payment at the specified interval until the number of payments remaining is zero or you cancel the recurring payment option.

Note: Payments scheduled on a bank holiday or weekend are processed the next business day.

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How do I cancel a bill payment or recurring payment?

You may cancel any scheduled payment by clicking on the delete option and then clicking confirm. If you are deleting a payment due today, you must delete no later than 12:00pm CST.

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Can I change or delete a payee?

If you wish to change information about a payee (name, address, telephone), or delete a payee, you must delete the payee record and create a new one by simply clicking “Delete” next to the payee. Then follow the instructions above to “Add a Payee.” You cannot change or delete a payee online through Frontier NetTeller with Power Pay. However, you may call us at 1-888-369-0303 to change or delete a payee.

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Can I change a scheduled payment?

Yes! To edit any information in a scheduled payment (one-time or recurring), click the “Paper-and-Pencil” icon next to the payment. The Edit Payment screen appears. Make your changes and click “Submit” to save them.

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Can I place a stop payment on a bill payment that has already been processed?

We cannot place a stop payment on a bill payment that has already been processed.

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What is the cut-off time to change or delete pending payments?

You may cancel or change any scheduled payment through Frontier NetTeller with Power Pay no later than 12:00 p.m. CST on the scheduled Payment Date.

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What should I do if a payee has not posted my payment or I've received a late notice?
First, you should always allow enough time for the payee to receive and post your payment. Remember to allow at least 48 hours for electronic payments and up to 8 days for check/draft payments. If you receive a late notice, and more than enough time was given for the payment, call the payee directly to ensure your payment and late notice did not cross in the mail. If you believe an error has occurred, you can e-mail us at ibsupport@frontiernational.com with the payee's name, payment date, amount, account number, and telephone number or call Online Banking at 1-888-369-0303 and we can research the payment.

**PLEASE DO NOT SEND CONFIDENTIAL INFORMATION VIA E-MAIL.**

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What happens if I don't have enough money in my account to cover a Bill Payment? Will I be notified?

If a payment is canceled due to insufficient funds, the Bank will send a "Non-sufficient Funds Notification" to your mailing address on file. Your account will also be debited for any applicable overdraft and/or non-sufficient fund fees.

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FUNDS AVAILABILITY POLICY

What is Frontier Bank Funds Availability Policy?

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of the deposit.

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SECURITY ISSUES

How safe is my account information?

Please refer to our "Security Statement" for the complete details of our security.

Our Part in keeping your account information safe
We use commercially reasonable security technology to keep your account information safe. With encryption, firewalls, and trusted operating systems incorporated into our overall banking architecture, authentic transactions may take place over the internet with relative safety. No system is completely safe from third parties, however, especially the internet. As such, we cannot guarantee the security of all communications. Please refer to our "Security Statement" for the details of our security.

Your Part in keeping your account information safe

Your Access ID and PIN are confidential and you should exercise care when using them. Don't make your PIN something that can be easily guessed or figured out.

· Never lend your Access ID or PIN to anyone and never write them on your PC or any computer materials.
· Never accept advice from strangers while you are using it. Beware of fraudulent requests for your PIN by someone posing as a Bank employee. A Bank employee would never ask for this information!
· Never use a "Save PIN" feature if offered by your browser. (This is a feature available in Microsoft Explorer 5.0) This would allow anyone who opens your browser access to your account information without needing a PIN.

Use a browser with 128-bit encryption. (Encryption is a method of scrambling information transmitted between you and the Bank.) Please refer to our "Security Statement" for the more recommendations you can follow to ensure maximum security of your account information.

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Where can I find more detailed information about security?

Please refer to our online “Security Statement” for more detailed information on what we do to keep your banking information safe with Online Banking.

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Can the Bank answer questions about my internet service connection or my computer?

Your best source of information regarding any issues you have with your internet connection is your Internet Service Provider. Their customer service personnel are trained to answer all your internet connection questions. The same holds true for any questions about your computer. Contact the hardware manufacturer or software company for best results.

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Can anyone else see my account information?

No, your online account information is available only to those with an authorized Access ID and PIN. The information is not public. For more information please refer to our Privacy Policy.

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Who is liable, the Bank or me, if a "hacker" breaks into the system and takes all or some of my money?

Your liability may be limited by a federal regulation (known as "Regulation E") against "unauthorized transactions" to your accounts. Please refer to the “New Account Electronic Funds Disclosure” information provided to you when you initiated your new depository account and/or the Section 14 “Incase of Errors or Questions about Your Electronic Transfers, located in the Online Banking Agreement for more details. You may obtain another copy of this disclosure from any of our banking offices, by accessing our website, or by calling Online Banking at 1-888-369-0303.

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MISCELLANEOUS INFORMATION

Why does Frontier NetTeller load so slow over the internet?

A secure site such as Frontier NetTeller will be slower due to the encryption process. Additionally, the capabilities of your computer, memory space available, modem, software, and Internet Service Provider all affect the speed at which the information travels. Please be patient, the slower speed is for both your and our security and protection. Some tips that can help if memory is the problem: click on your browser’s "Help" button to find how to make appropriate changes.

· Reduce the graphics - Graphics require extensive system resources, and can be eliminated to speed up the loading process.
· Clear your memory cache
· Shut down other programs you have running
· Change your wallpaper to a generic pattern or remove your screen saver feature.

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How do I contact the Bank if I have a question or comment about Frontier NetTeller?

If you have any questions, comments, or concerns you can e-mail us at ibsupport@frontiernational.com or telephone Online Banking at 1-888-369-0303 8:00 a.m. to 5:00 p.m., Monday through Friday. Please note that e-mail is not a secure environment like Frontier NetTeller. Please do not include any sensitive information in your email, such as account numbers, PINs, or social security numbers. Your name and a general description of your question will be sufficient to respond to your question.

**PLEASE DO NOT SEND CONFIDENTIAL INFORMATION VIA E-MAIL.**

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What internet browsers can I use with Frontier NetTeller?

You may use Microsoft Internet Explorer® (Versions 5.5 or higher) Netscape Navigator® (Versions 6.1 or higher). These browsers support secure transactions over the internet using Secure Socket Layer (SSL) protocol. If you get an error that has "CGI" in the title when you try to access Frontier NetTeller, your browser may have its "Java" turned off. You can turn the Java on in the Options or Preferences menu of your browser.

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Can I access Frontier NetTeller from outside the United States?

Yes! Just use a secure browser such as Netscape NavigatorTM or Microsoft Explorer®.

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Are My Deposits Insured by the FDIC?

Frontier Bank is a FDIC-insured bank. Each depositor is insured up to $100,000.00. Please visit the FDIC's homepage for more information.

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