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Frequently Asked Questions

I. General Information:


What electronic banking services are offered at Ruby Valley National Bank?
At this time, Ruby Valley offers three electronic banking services.  They are:


  • Ruby Valley National Bank RubyNet Internet Banking Electronic Service "RubyNet Internet Banking" - This service allows you to view account balances, view check images, transfer funds, and more.
  • Ruby Valley National Bank BillPay Electronic Service "BillPay" - This service allows you to pay your bills electronically.
  • Ruby Valley National Bank WebStatements Electronic Service "WebStatements" - This service allows you to receive your statement and disclosures electronically.

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II. RubyNet Customer Service:


What do I need to have to register for a RubyNet Internet Banking account?
You will need the following information:

  • Current personal information including: name, address, phone (work and home), date of birth, social security number, and your checking account number.
  • A Ruby Valley National Bank checking account in good standing.
  • Internet access and secured browser that is set up to accept "cookies."
  • Internet Explorer 5 or higher, Netscape Navigator 4.7 or higher
  • Monitor resolution set to a minimum of 800 x 600

How much will it cost me to have a RubyNet Internet Banking account?

Access to RubyNet Internet Banking is free for all customers.


What happens if I forget my RubyNet Internet Banking password?
You are allowed three attempts to enter your user id and password. On the third attempt, if invalid, you will be locked out of the system.  Please call us at 406-842-5411 or toll free at 800-281-1031 Monday-Friday 8:00 a.m. thru 5:00 p.m and we will reset your password.


The first time you log onto RubyNet Internet Banking, you will be prompted to change your password to make your online experience safe and secure. Once you have changed your password, Ruby Valley National Bank has no access to that security item. If you should lose the user id or password, your account will need to be reregistered.


If I am a new customer, what should I do to apply for RubyNet Internet Banking account?
You, as a new customer, will have limited access to the RubyNet Internet Banking system. Transfer capabilities and BillPay will not be available until the account meets the following conditions:

  • You have had your account(s) open and current with Ruby Valley National Bank for at least 60 days
  • There must not be any instances of account abuse in the last 60 days (NSF, Overdraft, etc.)
  • All personal information (name, address, phone (home and work), date of birth, and social security number) need to be updated with any changes (if necessary) before transfer and BillPay capabilities will be activated.

What accounts can I view with RubyNet Internet Banking?
You can view any active Ruby Valley National Bank account on which you are the primary owner or secondary owner. If there are some accounts that you don't want to view online the can be hidden.  We may allow access to other users depending on the ownership and type of account.  Please call us if you have questions about eligibility for an account to have shared access.  .


Why would I benefit from having a RubyNet Internet Banking account?
It is safe, convenient, and easy to have a RubyNet Internet Banking account. You will have 24/7 access to your account balances, the ability to transfer funds, reorder checks, and view/print account histories. Also, there is a bill payment system within RubyNet Internet Banking called BillPay.  This feature allows you to pay all of your bills online-check free.


How safe is RubyNet Internet Banking?
The information on the site is only made available to you, the customer. There are several layers of security to ensure that your information is protected such as:

  • Encryption: prevents others from reading your information as it passes over the Internet.
  • Firewalls: prevent hackers from entering the site.
  • Each customer has a unique user id and password. Not even the bank has these on file. If you should lose either, you will have to reregister your online account for your safety.
  • If you have not done any activity on the website for several minutes the service will automatically log you out and you will have to reenter your user id and password.

What can I do to protect my account information while I am on the RubyNet Internet Banking web site?

  • NEVER give your online banking user id and password to anyone.
  • When you are done using RubyNet Internet Banking, exit the service by selecting "Log Out."
  • Don't pick a password that is easily guessed, and change your password regularly.
  • Don't write your password down. Memorize it if possible. If you need to write it down, don't write it in a public place, and keep it where no one but you can find it.

When is RubyNet Internet Banking account information updated?
Many transactions are available as soon as they are posted online, such as cash withdrawals, account transfers, etc. However, current balance and history items are updated every night.


If I have a RubyNet Internet Banking account, will I still receive a statement in the mail?
Yes. Statements will continue to be sent as scheduled with the RubyNet Internet Banking service.  However, if you elect to participate in the WebStatements service, you will not receive a statement in the mail.


When reading "Current Information" (by selecting Details from Balance Inquiry) on my checking or savings account, what is the difference between 'Current' and 'Available' balance?
Current balance - is your balance at the completion of the previous day's business. This balance does not include any transactions that might have occurred on the current day's business.


Available balance - is your withdrawable balance as of that day's business. This balance will include any transactions that might have posted on that day's business.


*For withdrawal purposes, the Available Balance is the balance you will need to reference.


What accounts can I transfer money to and from?
You can transfer money between any current Checking, Savings, and Money Market accounts.


*Please note that with Money Market accounts you are limited to six  withdrawals or transfers a month via RubyNet Banking or telephone.  Withdrawals and transfers made in person are unlimited.  


Any account that requires 2 or more signatures to make withdrawals cannot be considered for online account transfers.


* In addition, you can transfer funds between your deposit accounts and loan accounts that have transfer capability. You may need to call us to set up this transfer capability.


Are there limits on the number of transfers I can make?
The only limitation on transfers would be transferring to or from Money Market or savings accounts, which have a 6 withdrawals or transfers per month limitation.


When will my transfer take place?
Your transfer will be reflected in your available balance immediately. Check the available balance after the transfer to verify the transfer took place.


I have an account with Ruby Valley National Bank and an account with another local bank; can I transfer money from my other bank to Ruby Valley National Bank, and vice versa?
No. You cannot transfer funds to and from Ruby Valley National Bank from another financial institution through RubyNet Internet Banking.


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III. Bill Payment Customer Service:


What is BillPay?
BillPay is an online bill payment service offered through our RubyNet Internet Banking service.  Ruby Valley National Bank has partnered with CheckFreeTM, who is the leading provider of financial electronic commerce services and products. They work with financial institutions, Web portals, and organizations that issue regular bills or statements to give consumers the ability to receive and pay bills online.


How much does BillPay cost?
The BillPay service is included with all consumer and business checking accounts with no monthly fee with the exception of the Free Checking.  With a Free Checking account, BillPay is $5.95 per month.


How do I register and what do I need for BillPay?
To sign up for a BillPay account you will need:

  • Current and active checking account with Ruby Valley National Bank
  • Your checkbook
  • Your driver's license
  • Your Social Security Number
  • Once you receive access to the BillPay system, you will need to:
    Verify personal information (name, address, phone, etc.)
    Select payment options and provide payment account information
    Read and agree to the terms and conditions for BillPay.


How do I set up my payees?
Click on "Add a Bill" on the BillPay Welcome screen. Follow the steps on the screen to add the new payee. You will need a copy of your bill to complete the information.


How do I schedule payments?
Click on "Manage My Bills" on the BillPay Welcome screen. Select the Payee for the payment you want to make.  Then, follow the steps on the screen to schedule the payment. 


Can I make payments to people or businesses outside the United States?
Payments to payees outside the United States are prohibited by this service.


How are my payments sent to the payee?
Whenever possible, transactions are made electronically; however, BillPay is only able to process electronic payments to certain payees. If a payee does not receive electronic payments, the computer system analyzes the alternatives. Based on the payee's ability, the system might select an individual corporate check as the payment method.


The BillPay computer system automatically selects how each payment will be processed. We are unable to determine how a payment will be sent prior to issuance. The system evaluates numerous factors before determining how to create each payment.


There are many factors considered before a method is selected. Therefore, the computer automatically selects the best possible payment method.


Are my payments guaranteed?
With the BillPay Guarantee, you are insured up to $50.00 for any fraudulent activity or late payment charges, provided that the transactions were made in accordance to the Terms & Conditions of the BillPay Service.


What happens if my payment made online is returned?
If a payment is returned unable to process online for example for non-sufficient funds, you will be charged $25.00 for each return as well as any fee the returning company will charge.


How do I trace a bill through BillPay?
In BillPay, click on "View Bill History" and enter in the required information to search for the information you need.


How do I stop an online bill payment?
Look at the "Pending Payments" section on BillPay. If the bill can be deleted, you will see the"Cancel" option to the right of the payment information.


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IV. WebStatements Customer Service


What is WebStatements?
WebStatements is a service offered through RubyNet Internet Banking, which enables customers to receive their periodic statement and related disclosures electronically.


How much does WebStatements cost?
WebStatements is free of charge to all Ruby Valley National Bank customers.


Will I still receive my paper statement after I sign up for WebStatements?
No, you will only receive your WebStatement.  Copies of your paper statement will be available upon request for $2.00 for each statement.


How do I switch from WebStatements back to paper statements if I change my mind?
Please call the WebStatements Administrator at 406-842-5411 or 800-281-1031 Monday-Friday 8:00 am to 5:00 pm and we will send you a form to reauthorize paper statement delivery.


I have Free Checking and I don't get images in my paper statement.  Will I get images if I sign up for WebStatements?
No, your WebStatement will be in the same format as your paper statement.


What accounts are eligible to receive WebStatements?
Personal and business checking, money markets, and savings accounts may receive WebStatements.  CD statements and loan statements are excluded from this service. You may choose electronic delivery for all you eligible accounts during your initial enrollment or at any time. 


How do I print my WebStatement?
When Adobe Acrobat launches into the Internet Explorer screen, use the Adobe Acrobat print icon to print your statement. Printing from the Internet Explorer toolbar, or going to File, Print; will not print your statement.


I get an error when trying to print my WebStatement.
If you received this error message: "Could not start print job" while trying to print your email statement, you will need to do 1 of 2 things:

  • Update your version to Acrobat 6.0.1 or to the latest version, or
  • Save your email statement to your hard drive using the Adobe Save icon, close out of the Internet Explorer window, open your email statement from your hard drive and print from there.

How many WebStatements will be available at a time?
Your current month's statement, along with 11 months prior will be on the website.  Please note that if you are a new user, only the months since your registration for WebStatements will show.


Will I receive other notices, like NSF notices, or transfer notices online?
No, you will receive these types of notices by postal mail. 


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V. Technical Advice:


What 'browsers' does RubyNet Internet Banking, BillPay, and WebStatments support?
We support Microsoft Internet Explorer 5 and higher and Netscape Navigator 4.7 and higher. We recommend the most current version of the browser. The browser must be Javascript enabled and support 128-bit encryption and the ability to accept cookies and third party cookies. If you use Microsoft Internet Explorer or Netscape Navigator, these browsers can be updated by clicking on the link at the bottom of our home page at http://www.rubyvalleybank.com/.


What are "cookies?"
Cookies are messages given to a Web browser by a Web server. The browser stores the message in a text file called cookie.txt. The message is then sent back to the server each time the browser requests a page from the server.


Why does the system tell me my browser is set up to "Not Accept Cookies?"
Your browser is set to refuse cookies. In order to log on, you will need to reset the option in your browser to accept them. Please refer to your browser's HELP section.


Why do I need to "enable cookies?"
In order for Ruby Valley National Bank to assure we have a secure connection established with you, we need to know who you are at all times. "Cookies" allow us to provide a secure connection.


How do I "enable cookies?"
Please refer to your browser's HELP section.


Why can't I access your site from work?
You may be attempting to access the Internet from within a firewall. Your employer may restrict your access to the Internet. You will need to contact your network administrator if you are experiencing problems while you are at work.


How do I contact customer service?
Select "Contact Us" on Ruby Valley National Bank's web site. This option will give you the choice to email a customer service representative through a secure email system, or to contact us by phone or mail.

Twin Bridges Office - 107 South Main 406-684-5678
Sheridan Office - 103 North Main 406-842-5411
24 Hour Better Banking - 888-842-5121


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