Online Banking Frequently Asked Questions
 Printable Version
1. What is Personal Online Banking?
Online banking gives you full access to your Fremont Bank
personal accounts from any Internet ready computer from within the United States. With online banking you have
access to your accounts through a secure environment, 24 hours a day, 7 days a week. You can check account balances, view
transaction history, transfer funds from one Fremont Bank account to another, view and pay loan balances, pay monthly bills,
and more.
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2. How much does it cost?
Personal Online Banking with Fremont Bank is FREE of charge, it also includes a bill pay service, which is also FREE
of monthly charges.
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3. What about Security? Is this service secure
and confidential?
We are committed to providing you with a safe and secure system.
While using Personal Online Banking all communications are encrypted
using Secure Sockets Layer (SSL). In order to provide this protected
environment we require that you use a browser with 128-bit encryption.
Encryption is the scrambling of information transmitted between
two points. It cannot be decoded until it has reached its destination,
protecting your privacy. Your messages to us are not decrypted until
they are inside our firewall. Please read our Fraud
Prevention and Security section for further information.
To add a layer of security to your Personal Online Banking sessions,
we encourage you to install TrustDefender™ Client. More Information
Our security system works only if you protect your accounts. You must maintain the secrecy of your password. Do not reveal
your password to anyone. Fremont Bank will never ask for your password either by email or by phone. Do not leave your
computer unattended during a session if you are in an environment where someone can gain access. Sign off when you are
finished with the session.
To help safeguard your personal and financial data we will automatically "End" your session whenever a security risk may be
present. Here are some actions that can be deemed a security risk: clicking a link twice, pressing the browser’s Back, Forward
or Refresh button. Each of these actions may cause your session to terminate. To re-establish your session, simply return to
the Login Page.
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4. How do I sign up for Personal Online Banking?
Click here to enroll now or call our friendly Customer Service Associates at (800) 359-BANK (2265).
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5. What do I need to use Personal Online Banking?
- An active checking, savings, CD, mortgage or loan account with Fremont Bank.
- Internet access and a computer.
- Please click here to see a list of additional System Requirements.
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6. What about my Access ID & Password?
- Upon setting up your access for the first time, you will be prompted to select a new Access ID and password to whatever you choose. After that, you can change your password at any time.
- Your Access ID and Password must be 8-17 characters in length, and must include at least 1 number.
- Access ID's and Passwords are case sensitive.
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7. What if I forget my password?
No problem, enter your Access ID, click Log In and then use the Forgot Password link or contact us at (510) 723-5780 or toll free at (800) 359-BANK (2265), to issue a new temporary password.
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8. Can I pay bills with Personal Online Banking?
Yes. Bill Pay Service allows you to "pay anyone" within the United States. Our bill pay service is free of monthly service
charges or per usage fees. The system allows you to set up single or recurring payments. You may not use Bill Pay to pay taxes.
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9. How do I add payees?
Within Bill Pay, choose "Add A Bill" tab at the top of the page. To add a Biller you will need your bill to find your payee
in our list of merchants. If the payee on the list does not match your biller, you can enter the required information manually.
You will need the name of the person or business you are paying, the payees address, and (if you have one) your account number
with the payee. The first time you request a payment to be made to a payee, you must also specify the payee's address and the
number of the account from which the payment is to be made.
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10. When is the money to pay a bill withdrawn from my account?
The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods
may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment. (funds
remitted to the Biller are deducted from your Payment Account when the laser draft is presented to Fremont Bank for payment).
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11. How current is the information on my accounts?
All information is current and real-time within Personal Online Banking. For example, if you use one of our ATMs to withdraw money, your transaction
will show in Personal Online Banking immediately.
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12. Will all my accounts appear on my account list?
Only your personal accounts in which you are one of the owners will appear. If you have an account that you are an owner
that is not listed, you may request that it be added by calling us at (510) 723-5780 or toll
free at (800) 359-BANK (2265).
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13. Can I get my bank statements electronically?
Yes, you can have your monthly deposit account statement delivered electronically through e-Statements within our
online banking application. More Information. For Loan e-Statements please visit the Loan Servicing Center for eligibility.
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14. Can I access Personal Online Banking at locations other than my home or office?
You can access your account information from any PC with Internet access anywhere within the United States.
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15. What is the cutoff time for placing a Stop Payment?
If the stop request is placed after 8pm Pacific Time we will receive your request at the opening of the next business day.
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16. How long is a stop payment request valid?
A stop payment on a check is valid for only 180 days from the date of request; if the check is presented
after the date it may be paid unless the customer renews the stop payment order.
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17. What if the information provided on the stop payment is incorrect?
The stop payment request applies only to the check, which conforms exactly to the description in the stop
request. The bank will not be responsible for failing to stop payment if the information received by the
customer is incorrect.
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18. Is a stop payment guaranteed?
This request will not be effective if the Bank has already cashed the check or is already committed to honor
or pay the item under applicable laws, regulations or rules governing checks.
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19. How do I make a Loan Payment?
There are two ways to make a loan payment online from your Fremont Bank account or another financial institution. Once you are logged into Personal Online Banking you will see that your loan number is a hyperlink. Click the hyperlink to get to the Loan Servicing Center. From the menu you can select either Automatic Loan Payment to set up a recurring payment or One Time Loan Payment to make your current monthly payment or an principal only payment. This payment option may not be available on all loan types.
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20. When does the money have to be in my bank account for an automatic payment?
Your bank account must contain the full amount of your payment, in available funds, on the date of your payment. If there are insufficient funds in your account on the payment date, you may be charged an insufficient funds fee to your deposit account and you will also be charged a "Return Check Charge" to your loan.
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21. What is the difference between Automatic Loan Payment and One Time Loan Payment?
With an Automatic Loan Payment you authorize Fremont Bank to debit your checking or savings account each month on a set day for your monthly payment. These payments will continue until you or the bank specifically requests the automatic payments to stop. With a One Time Loan Payment you authorize Fremont Bank to make a one-time debit to your checking or savings for a specific amount and payment type. For example to make an additional payment towards the principal balance or an annual fee.
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22. What do I need to make a loan payment online?
To schedule an Automatic Loan Payment or make a One Time Loan Payment you will need your depository financial institution's routing/transit number and your bank account number. Simply follow the on screen instructions to complete your transaction.
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23. How do I advance funds from my Line of Credit?
You can call us at (510) 723-5780 or toll free at (800) 359-BANK (2265) or visit your local branch or ATM with a check from your line of credit to deposit into your account.
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24. What is TrustDefender™ Client?
TrustDefender™ Client is an award winning security software designed to provide you with an added layer of security during your Fremont Bank Personal Online Banking transactions. More Information
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