Web Banking and Bill Payment

With Web Banking, your local branch is as close as your computer. To help you save even more time and money, use the Bill Payment feature and let us buy the stamps!

Easy Account Access

Get online and use the Web to:

• Check the balances and activity of your accounts
• Print a listing of your current transactions
• Transfer funds to/from your HNB/EPB accounts
• Transfer funds between your HNB/EPB accounts and accounts you hold at other financial institutions using Bank to Bank Transfers*
• View your paid check images online
• Pre-schedule your loan payments
• Download your transaction activity to a variety of software packages including Quicken® or Microsoft Money®
• Order checks**
• Place a stop payment order**
• Pay bills***
• Receive e-mailed alerts about your account information, such when your account reaches a certain balance, when checks clear, etc.

All this information is available to you at no charge! You'll be accessing the Web Banking program from the comfort of your home or office using your own computer.

For your assistance, there are help pages available for your use within the Web Banking site. These pages will help assist you in navigating through the Web Banking site and will also help you learn how to use this powerful system to its fullest.

* Bank to Bank Transfers option only available to customers that hold two or more HNB/EPB accounts.
**Standard fees may apply.
*** Standard fees may apply for business customers.

Registration is Easy

Call us or stop by any branch location and we'll have you registered in no time, or you can even apply online. Begin to access your accounts online the next business day after you register!

Data Security

We know the security of Web Banking is important to you. Your account numbers are never displayed on the Web; instead, when you register for Web Banking, we will ask which accounts you wish to access online and you will be able to assign these accounts "pseudo names." When you log into Web Banking, these pseudo names will display rather than your account number - complete security!

To provide even more protection, a PIN (personal identification number) is required for Web access as well as a unique customer identification number that will be issued to you at the time of enrollment. The first time you use Web Banking the system will display step-by-step instructions to change your PIN. You may also choose to change your customer identification number to a "friendly login ID."

Free Funds Transfer

Hop online and transfer funds to/from your linked Checking, Statement Savings, Money Market and Loan accounts anytime of the day or night! Transfers made to/from your deposit accounts may be viewed immediately. Transfers to/from loan accounts will appear online the next business day. Transactions completed after 8 p.m. will be posted to your accounts on the next business day. For your records, the Web Banking system will provide you with a confirmation number.

Using our Bank-to-Bank Transfers service, you can even transfer funds to/from accounts you hold at other financial institutions, right from Web Banking! Simply enroll your accounts for this service by clicking the Bank-to-Bank Transfers option in Web Banking, and once your enrollment is complete, you can transfer funds between your HNB/EPB accounts and those at other financial institutions. Best of all, there is no fee for this service!

Please note: the number of monthly transfers from savings and money market accounts is limited by law.

Convenient Bill Payment

Bill Payment is a fantastic product that allows registered Web Banking users to pay bills or send money to anyone (non-government entities only) in the United States through your Web Banking account. Pay anyone -- your utility company or cable provider, your pet sitter, or even a child in college across the country! Businesses will find it convenient to pay vendors, suppliers, and other billers through this easy-to-use system - while keeping accurate records of when payments were made! Simply log into your Web Banking account, provide information about who you are sending the money to, and that's it! Your payment is on its way to the recipient. For detailed information about Bill Payment, click here to learn more!

Enrollment is easy! If you are already a registered user of Web Banking, you can sign up for Bill Payment online while you are logged into Web Banking. If you're not registered for Web Banking, you may enroll in both services by stopping by your local branch, calling 1-888-462-2100, or applying online.

To use Web Banking or Bill Payment, you must be using Netscape Navigator 4.75 or higher, Microsoft Internet Explorer 5.5 or higher, or a browser that supports 128-bit SSL encryption. All standard overdraft and stop payment fees, procedures and policies are applicable to online bill payments.

Web Statement Delivery

Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service!

With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access!

By signing up for Web Statement Delivery, you will no longer receive your banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement.

Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)!

Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for that from our Application Center right away!

*Statements are stored online for up to one year. Beginning with the first month you have signed up for Web Statement Delivery, each new statement will be stored, until you have a full year of statements stored online. From that point on, statements for the full year prior to the current month will always be available online. If you wish to keep statements older than one year, you do have the ability to save your statement locally on your computer.