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Online Banking & Bill Pay FAQs

Get answers about Online Banking Bill Pay.



Online Banking

Online Bill Pay

E-statements

View Pending Signature Transactions

Is Online Banking free?

Yes, Online Banking access is free, and it gives you the ability to view all of your accounts, transfer funds and download account activity to Quicken or Microsoft Money.

Beginning January 1, 2005, BankAtlantic now also offers Bill Pay for free, which gives you the ability to pay any company or person in the U.S. without the hassle of envelopes and stamps. 

What should I do if I forget my Online Banking Passcode?

Your Passcode is the second field of characters you’re required to input for logging on to Online Banking. If you do not remember your Passcode, simply click on the "Forgot Your Passcode?" link on the logon page and follow the simple verification process. You will be asked to supply your Access ID, your SSN or Tax ID and one of your account numbers. After completing the initial steps, you will be asked the "Security Question" you specified, and once the correct answer is supplied, you will be prompted to select a new Passcode. An email will be sent to your email address of record with a confirmation number, which you will be required to input upon your next log on.

If you cannot remember your Access ID (the first field of characters you’re required to input for logging on) or experience problems with the automated reset of your Passcode, please call the 7-Day Customer Service Center at 1-888-7-DAY-BANK. Select your language preference, and then opt to speak directly with a BankAtlantic associate in the Online Banking division. He or she will be glad to assist you with resetting your Passcode.

What should I do if I get locked out of Online Banking because of too many failed log-in attempts?

For the security of your account, the BankAtlantic Online Banking service locks out an account if there has been three or more incorrect log-in attempts. If this happens to you, call the 7-Day Customer Service Center at 1-800-741-1700. Select your language preference, then opt to speak with a BankAtlantic associate in the Online Banking division. He or she will assist you with resetting your Passcode.

Can I download my account activity into Quicken, QuickBooks or Microsoft Money?

Yes. The BankAtlantic Online Banking service allows you to seamlessly download all of your online account information into the latest versions of Quicken, QuickBooks or Microsoft Money.

  1. Log on to Online Banking.
  2. Click on the "Accounts" navigation tab.
  3. Click on the "history" text hyperlink next to the account you want to download.
  4. In the "Download Format" pull-down menu, select your preferred format such as "Quicken Web Connect".
  5. Click on "Download History" button.

Important dates for your records:

April 25, 2006: Quicken for Windows 2003 will be discontinued. If you haven't upgraded to a later version, please do so, as online account access will be terminated for version 2003.

April 30, 2006: QuickBooks for Windows 2003 will be discontinued. If you haven't upgraded to a later version, please do so, as online account access will be terminated for version 2003.

For your convenience, you may upgrade by clicking the link below. Yes, I want to upgrade.

Can I complete one-time, future and recurring transfers?

Yes. You can set up one-time, future and recurring transfers between accounts in the Online Banking service. Transfers may be made between Personal accounts, or between Business accounts. To transfer funds for the first time in Online Banking, click on the "Transfers" navigation tab, and complete the enrollment form.

What if I need help during an Online Banking session?

You can always click a yellow question mark on a particular screen to get more information on using that function. You're always welcome to call the 7-Day Customer Service Center at 1-800-741-1700. Select your language preference, then opt to speak with a BankAtlantic associate in the Online Banking division.

What are the browser requirements to use Online Banking and Bill Pay?

To log-in and process transactions with BankAtlantic's Online Banking service, you'll need to use a secure browser that meets a minimum of 128-bit encryption. If you are using an older browser, or feel your browser does not meet the security requirements of BankAtlantic, use one of the following links to download an upgraded browser:

 

Only the AOL browser with 128-bit encryption (the most recent version) is supported.

Click here to test your browser security level

How is my account and personal information protected?

The recommended browsers (see above) transmit account information safely, thanks to Secure Sockets Layer (SSL) technology - the leading security protocol on the Internet. When using the Online Banking and Bill Pay service, you will see "https" at the beginning of the URL in your browser's address bar. The "s" means you are using a secure connection, and any data you enter (your Access ID, Passcode, account information) is protected.

  • If using Internet Explorer as your browser, the "closed padlock" icon that you see at the bottom of your screen signifies a secure session.
  • If using Netscape as your browser, the "whole key" icon that you see at the bottom of your screen signifies a secure session.

Can I change the page in which my Online Banking session starts?

Yes. Log on to online banking, and click on the "User Services" navigation tab. From there, you can choose what colors you see, and page you start on (for example, you can adjust the settings so you see "Accounts" when you first log-in rather than "Payments").

What should I do if my request to transfer funds has not been processed?

If your Transfer has not been processed, check the available balance in your Transfer-From account to ensure there are enough funds to complete the transaction.

Please note that online transfers between incorporated business accounts and personal accounts are not available at this time.

If you need additional assistance, send a Secure Mail when you’re logged on to use Online Banking, or call 1-888-7-DAY-BANK.

What are Pending transactions?

Pending transactions refer to credits, debits and holds that occurs on the current business day but have not yet posted to your account.

Transactions made with your BankAtlantic ATM or Debit Card using your PIN typically are processed and posted to your account on the same day that the transaction is made or on the next business day.

Transactions made with your BankAtlantic Debit Card, without your PIN, may take several business days to post to your account.

In some cases, the amount of the pending transaction may not match the actual amount of the transaction. Some merchants, including car rental agencies, restaurants and hotels, will place an initial hold (also known as an "authorization" hold) on the account for a higher or lower dollar amount. This initial hold is placed to ensure that sufficient funds are available in your account. This type of hold is credited back to your account by the next business day, and once the transaction has been completely processed, which may take several days, the actual amount of the transaction will be posted to your account.

Certain transaction activity will post to your account during nightly processing the next business day, such as:

  • ATM deposits made after 5 p.m. on a business day.
  • Any transaction made on a non-business day.
  • Business days are Monday through Friday until 5 p.m. (excluding federal holidays).

 

Is Bill Pay free?

Yes.BankAtlantic offers online Bill Pay service totally free…there’s no intro period with fine print…it’s free for both personal and business checking account customers. Using your BankAtlantic checking account, Totally Free Bill Pay lets you schedule and make payments without the hassle and cost of envelopes and stamps.

 

  • You can receive and pay your bills online
  • You can also set up automatic payments, such as a car payment or rent
  • You can schedule payments up to one year in advance

 

 

Who can I pay using BankAtlantic Totally Free Bill Pay service?

  • You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your babysitter
  • The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments

How do I use Totally Free Bill Pay?

There are two basic steps involved in using Bill Pay to make online payments:

  1. Set up your billers
  2. Schedule payment

When you first begin using the service, set up your billers list by adding the billers to whom you want to make payments. Some billers can also send electronic bills (E-bills). You only need to add each biller once. All of your billers are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the billers to receive the payment. You can make payments on the same day you schedule it to a significant number of billers. The Bill Pay service determines whether a payment is sent electronically or by check, based on whether the biller accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled in Bill History. After the payment is processed, the status changes to Processed. The biller receives your payment on the payment date you specified and credits your account. Sometimes, however, the biller may take a few days to apply the payment to your account.

 

How far in advance do I need to set up payments?

Although many merchants are set up for same-day payment, to ensure that your bills are paid timely, please consult with the dynamic calendar tool. The calendar, when selected, appears in a pop-up box over the Payment Center. The calendar automatically highlights the current date, and shows the earliest available payment dates over the next two months.

 

When are Bill Pay funds withdrawn from my account?

Funds are not withdrawn from your account until the pay date.

 

What features are included in the Totally Free Bill Pay service?

By signing up to use Totally Free Bill Pay, you'll be able to pay anyone you pay now, and have bills delivered to you online with the E-bill service . Plus, you can set up Automatic Payments which pay any of your monthly bills of specified amounts on a recurring schedule.

 

How do I cancel, delete or make a change to a Pending Payment?

In the Payments Center Pending Payments list, you can cancel/delete or change/update a pending payment.

  1. Go to Payments Center.
  2. Locate the payment in the Pending Payments List.
  3. Click Change or Cancel next to the appropriate Pending payment.
  4. A new window will appear. Make the necessary changes.
  5. Click SAVE CHANGES to complete.

Please note: Bill History can also be used to cancel, delete or change an individual Automatic Payment and Pending Payment that has not begun to process.

 

How do I cancel, delete or make a change to an Automatic Payment?

In the Payments Center Manage My Bills page, you can cancel/delete or change an automatic payment and all associated future payments. To delete a payment that is based on an automatic payment and has a scheduled status, go to Manage My Bills and select the specific payment you want to delete.

  1. Go to Payments Center.
  2. Click Manage My Bills.
  3. The Biller Name drop down box opens.
  4. Choose the appropriate Biller Name. A group of tasks will be presented to you.
  5. TO DELETE: Click Delete automatic payment.. Click OK to delete payment. Any scheduled payments based on the Automatic Payment are canceled and no more payments will be made in association with the Automatic Payment schedule.
  6. TO CHANGE: Click the appropriate task. Make the required changes to the payment.
  7. Click SAVE CHANGES to complete.

Please note: The Pending Payments list and Bill History can be used to cancel, delete or change an individual Automatic Payment that has not begun to process.

What is an E-bill?

An E-bill is a statement or invoice in an electronic format. E- bills typically contain the same information as your mailed bills.

Some billers that you set up in our Bill Pay service may be able to send E-bills to their customers. If you add a biller that can send E-bills, you have the opportunity to request E-bills from that biller.

After your request has been authorized, you'll receive an E-bill from the biller within a month or so, depending on the biller's billing cycle. You can pay the E-bill directly, and continue to make single payments to the biller whenever you need to.

If Automatic Payment is available for a biller that can send E- bills, you have the option to select it. Automatic Payment pays E-bills by scheduling the payment date in time for the biller to receive the payment by the E-bill's due date. Automatic Payment pays the E-bill's minimum amount due. When you set up Automatic Payment, you can select to automatically pay the E-bill regardless of the payment amount, or you can select to set a limit on the amount automatically paid.

How can I confirm a payment has been sent?

Check the status of a payment in the Bill History section of Bill Pay. If a description states "processed," your payment has been made. The biller receives your payment on the payment date you specified, and then credits your account. Sometimes, the biller may take a few days to apply the payment to your account.

 

Are my bill payments guaranteed?

BankAtlantic guarantees on-time payments. If a payment is late, contact the 7-Day Customer Service Center at 1-800-741-1700 to notify us. BankAtlantic will bear the responsibility for any late-payment-related charges up to $50. For complete information about our Bill Pay on-time guarantee, please review our  Online Banking Bill Pay Terms and Conditions.  

 

What happens when I enroll in "E-Statements"?

When you enroll in E-Statements, you will stop receiving your statement in the mail. Instead, you will receive an email notification when your most recent account statement is available online for viewing and printing.

How do I enroll in "E-Statements"?\

New Online Banking Users: Select to opt-in on the Online Banking Enrollment Form. Existing Online Banking Users: Select the “E-Statements” link on the “User Services” page OR select to opt in by clicking on the “statement” link on the “Accounts” page.

What happens if I already enrolled for E-Statements and am still receiving paper statements?

It may take up to one month before you stop receiving your paper statement in the mail and begin receiving your statements electronic only.

To confirm that you are receiving online statements, select the “E-Statements” link on the “User Services” page OR select the “statement” link on the “Accounts” page. There should be an option available to opt out of the E-Statements service. If this option is being displayed, you are already enrolled to receive online statement only instead of paper statements. We will send you a notification email when your statement is available for viewing and printing. If your e-mail address is invalid, you will not be able to receive this email notification. To check what email address you have on file with us, select the “Update E-mail Address” link from the “User Services” page.

 

What is the cost to enroll for E-Statements?

There is no cost. E-Statements is a FREE service.

 

How do I view my combined statements online?

Online statements are provided individually for each account for easy and quick access to any of your eligible accounts. Simply select the “statements” link from the “Accounts” page to view your statements online.

 

How do I view any updated legal disclosures?

Any updated legal disclosures we are required to send will be mailed to your physical address of record.

 

How do I get my last checking or savings statement after closing my account(s)?

If you are enrolled for E-Statements when you close your account(s), you will need to call customer service at 1-800-741-1700 to request your last statement. Your last statement will be mailed to you.

How do I switch back to paper statements?

Select the “E-Statements” link on the “User Services” page OR select to opt-out by clicking on the “statement” link on the “Accounts” page.

 

What are pending transactions?

Pending transaction activity refers to credit and debit transactions that have not yet posted to your account. Holds may also be applied to certain transactions that occur on the current business day, but have not yet posted to your account.

PIN-Based Transactions made with your BankAtlantic ATM or Debit Card are processed and posted to your account either on the same day the transaction is made or on the next business day. Though the transaction may be pending, your available balance will reflect this transaction immediately.

Signature-Based Transactions made with your BankAtlantic Debit Card, without your PIN (Personal Identification Number), may take several business days to post to your account. Your available funds may be reduced by the amount of the pending transaction authorized by the merchant, but will be credited back within 2 business days. Your remaining available balance must be sufficient to cover checks and other debits that post to your account, or you may be assessed charges for overdrafts and/or returned checks.

What is an authorization?


When using your BankAtlantic Debit Card for purchases where a signature is used versus a PIN (Personal Identification Number), the merchant will submit a request for an approval or an “authorization” for the transaction. This authorization is used to verify that the account is open and that the purchase amount is acceptable at the time of the request. The authorization amount can vary by merchant. Most merchants will request an authorization for the exact amount of the purchase. However, some merchants may send a nominal amount such as $1.00 or an estimate that is more or less than the actual purchase amount. Each authorization will display as a pending transaction. This pending transaction will be credited back to your account within 2 business days. When the transaction is presented to the bank, the actual purchase amount is then deducted from your account.

Why would a pending transaction or authorization amount be different from my actual purchase amount?


The authorization amount that has been requested by a merchant may be different from the actual purchase in situations where an estimated authorization amount or a tip is involved. A restaurant may have requested an authorization before the tip had been added on. Some restaurants may estimate the tip when making an authorization request. Gas stations may have made an authorization request before time of fueling. Many pay-at-the-pump gas purchases are initially authorized for $1.00 no matter what the final purchase amount may be.

What is the difference between signature-based transactions and PIN-based transactions?


A signature-based transaction is any time you use your BankAtlantic Debit Card for a purchase where you do not enter your PIN (Personal Identification Number) into the merchant’s keypad at the point of sale. Most signature-based transactions will require you to sign a receipt, but not all “pin-less” transactions, such as Internet purchases, mail order purchases or pay-at-the-pump gas purchases will require a signature.

When will I see the actual purchase amount be posted to my account?

It may take several business days for the actual purchase amount to post to your account. The pending transaction amount is reflected in your current balance and will reduce your available balance. Within 2 business days, this pending transaction will be credited back to your account and the actual transaction amount should appear in its place.

What is the difference between “Pay-at-the-pump” transactions and other merchant transactions?

Pay-at-the-pump transactions occur when you swipe your BankAtlantic Debit Card at the gas pump. The station generally requests an authorization to verify the account is active. Most authorizations are for $1.00.

Other merchants, such as restaurants and hair salons may add an estimated tip to the authorization amount, which may cause the actual purchase amount to differ from the pending transaction amount.

Hotels, cruise-lines and car rental agencies are allowed to request authorization amounts based on the length of stay, taxes and any additional expected dollar amounts. It is recommended that you ask for the authorization pending amount when you are making your reservations.

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