Frequently Asked Questions

What do I need to do to sign up for Net XPress On-line Banking?

You may complete our On-line Application. Simply print the completed application, sign it, and return it to the bank. You can also stop by our locations to pick up an application for On-line Banking, Net XPress. If you are unable to visit one of our facilities, you can call the bank at (785) 472-3141 or e-mail csbanc@csbanc.com to have an application sent to you.

Is there a monthly charge for Net XPress On-line Banking?

There is no charge for the basic Home Banking services provided by Net XPress On-line Banking. Customers who request Bill Pay Services will be charged a Bill Pay access fee of $4.95 per month. Additional charges could be encountered depending on the volume of transactions they generate.

I’m having difficulty getting into Net XPress On-line Banking, but no problem getting to your main web site. What’s going on?

Check to see if you have the latest version of your browser software. Also be sure that you have 128-bit encryption available with your browser. Cookies must be enabled on your browser. You may also need to delete your temporary Internet files, in case you have a corrupted URL.

Is it safe to do my banking over the Internet?

Citizens State Bank & Trust Co. takes this matter very seriously. Your connection to Net XPress uses the best level of data encryption available. Other "behind the scenes" mechanisms are in place to assure the security of your financial information. You may have also noticed that at no time does you account number, or Tax ID number appear on screen over the Internet. Security is not a one-time effort with our On-line Banking system. As security improvements are available in the future, our specialists will continue to make any needed enhancements to assure that your account information is safe and secure.

What if I get locked out of my account?

An e-mail will be sent to you automatically if your account becomes locked. Your account can become locked if you fail to login after three attempts. The e-mail contains the last successful login date and the current failure date. You will need to contact our Net XPress Department to unlock your account. (785) 472-3141

Is there Secure e-mail?

A customer will be able to send the bank a secure e-mail from within our Net XPress session. A separate window is launched leaving the Net XPress session open. The bank will respond to your secure e-mail and you will be able to retrieve our response from within the Net XPress session.  Sending traditional e-mail that may contain confidential information over public networks is not recommended for security reasons.

What if I leave and forget to log out of Net XPress On-line Banking?

When the Net XPress session sets idle, with 1 minute left before timeout, a message will display asking the user if they wish to stay logged in. If they answer yes, then the session remains alive.  If they answer no, you will be logged out.  If you do not give an answer, the session will automatically be logged out.

What if I want more than one account on Net XPress On-line Banking?

You will be able to put all the accounts that you are authorized to obtain information on under one listing on Net XPress.  You may have transfer capabilities from some accounts, but you may not transfer out of loan, Christmas Club, or Certificates of Deposits.

What is Net XPress On-line Banking Bill Pay?

With Bill Payment you can pay all of your bills at one time or whenever it is convenient for you from any of your checking accounts.  There is a monthly fee for this service of $4.95.  This includes 20 items and there is an additional fee for more than 20 items.

Bill Payment: When and how are Bill Payments processed?

Scheduled payments are processed Monday through Friday.  Payments scheduled in advance of a weekend or Bank Holiday will be processed on the day preceding the weekend or holiday. Payments scheduled on a weekend day or Bank Holiday will be processed on Monday, or the first business day following the Bank Holiday.   If the Payee receives payment by paper check, the check will be mailed on the afternoon of processing date. The check will be drawn on your account and you will be able to know if the check was cashed by the Payee by checking your Current Transaction Listing. For paper check payments, funds must be available in your account to pay the check on the day it is presented for payment to Citizens State Bank & Trust Co. Payment checks submitted to Citizens State Bank & Trust Co. against insufficient funds are subject to return to the Payee. In this case, you could be subject to additional overdraft or NSF fees. Because paper check payments are processed by the United State Postal Service, please allow for adequate mailing time. We suggest a minimum of five (5) days.   If the Payee received payments electronically, the payment will be sent to them on the afternoon of the processing date. We suggest making electronic payments no later than three (3) days prior to any due date for your payment. Your funds for electronic payments must be available in your account at the time of processing. If funds are not available we will not process your payment. We will attempt to process your payment on subsequent business days. The bank reserves the right to cancel any payment that fails for five (5) consecutive days due to insufficient funds.

Bill Payment: What happens if I have a scheduled Bill Payment that falls over a weekend or holiday?

Bill Payments scheduled in advance of a weekend or Bank Holiday will be processed on the day preceding the weekend or holiday. Payments scheduled on a weekend day or Bank Holiday will be processed on Monday, or the first business day following the Bank Holiday.

Bill Payment: Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you maintain your account with Citizens State Bank & Trust Co.  However, you cannot pay bills to payees located outside the United States.

Bill Payment: Can I get a copy of a cancelled check?

Yes. Bill Payments made by paper check are drawn against your account just as if you wrote the check yourself. The check image will be returned to you in your monthly statement. If you have an Econo Account and normally do not get your checks back, we’ll gladly provide a copy of your check anytime you request it.

Bill Payment: How long is history retained in the View Payment History section?

Payment History records will be kept indefinitely.

Bill Payment: How far in advance should I set up a payment to ensure it is paid on time?

Payees who receive paper check payments should be scheduled 5 business days in advance of when you want the payment to be received by the Payee.  Payees who receive electronic payments should be made 3 business days in advance of when you want the payment to be received by the Payee.  NOTE - You may want to set up a payment to yourself so you can see how the system works.

Bill Payment: Are there minimum and maximum payment amounts?

Yes, the minimum amount you may make a payment for is $0.01. The maximum amount is limited by the available balance in your checking account.

Bill Payment: Can I have multiple payments to the same payee on the same day?

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 on the same day.

Bill Payment: Can I stop a payment?

Yes, you can place a Stop Payment order on a paper check payment. You will need to call our Bookkeeping Department or place the Stop Payment using Net XPress.  Payments processed by check can be stopped.  Payments processed electronically cannot be stopped.

Bill Payment: Whom can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country.  We do not recommend making tax payments or court related payments.

Bill Payment: How many payees may I have set up?

There is no limit to the number of payees you can set up through Citizens State Bank & Trust Co.'s Online Bill Payment.

Bill Payment: Can I edit Payee addresses?

No. You will have to set up a new payee with the correct address and delete the old one. However, deleting the old payee will remove the history of that payee. You can leave the old payee listed to retain your history of that payee

Bill Payment: How do I know if a payee is electronic or check?

Once you have set up the payee, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is electronic or check.

Bill Payment: What payment frequencies are available?

You can set up payments in any of the following frequencies: Weekly Bi-weekly Monthly Semi-monthly Quarterly Annually Semi-annually

Bill Payment: When can you edit the dollar amount on a scheduled recurring payment?

You may edit the dollar amount the next business day after the scheduled payment date.

Bill Payment: Can I postdate recurring payments?

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Bill Payment: Can I postdate a single payment?

Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow the user to schedule payments in the future or for the current date.

Bill Payment: Will the memo field I fill out when setting up a payment be passed on to the payee?

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.

Bill Payment: Are there any merchants that I cannot pay through the Bill Payment service?

No. Citizens State Bank & Trust Co. does not recommend paying government agencies for payments such as child support, alimony or checks to the I.R.S., because of limited resources to research such payments.

Bill Payment: When will the money be taken out of my account?

Money for Payees who receive electronic payments will be withdrawn on the afternoon of the payment processing date.  Money for Payees who receive paper check payments will be deducted from your account when the check comes back into the bank.

Bill Payment: What if I do not have enough money in my account?

For electronic payments, the bank will continue to try to process the payment each consecutive day. The bank reserves the right to cancel your payment if the payment fails more than five (5) times due to insufficient funds. For paper check payments, if there is insufficient funds in your account when the check comes into the bank, we may return it; or overdraw your account; or if you have overdraft protection set up on your account it will be transferred from your savings account.  You may be subject to overdraft or NSF fees; or an overdraft protection fee in these situations.

Bill Payment: How late in the day can I enter, edit, or delete a payment?

You may enter, edit, or delete payments scheduled Monday through Friday up until 3:00 pm Central Time the day prior to the date of the scheduled payment date you set.

Bill Payment: What is the difference between a Payee and Payee Alias?

For example- A Payee could be Dillard National Bank. You could set up the Payee Alias as "Dillards".

Bill Payment: When adding an electronic payee, I get an error message concerning the account number. What am I doing wrong?

Payees provide our service with a template of how account numbers should be formatted. Having the correct format assures that the payment will be credited promptly. If you get an error message for the account number, try adding or removing dashes or spaces between the groups of numbers.

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