ProGrowth Online FAQs
How frequently is my
account information updated?
Can I pay my bills online?
On the next screen, enter
a Password. Your password must be 8 characters long and must
include at least 1-alpha and 1-numeric character.
Answer the Security Challenge Questions below. These questions and answers will be used to ensure your identity.
Before entering your password or answering the Security Challenge questions, check your browser’s address bar.
If your browser’s address bar is GREEN, your connection is safe. If it’s not GREEN, stop your log in process and contact us.
Businesses can enjoy all the benefits of
ProGrowth Online and more with ProGrowth Online Plus.
Additional benefits include:
Allow multiple login ID's (multi-users)
Perform ACH services (separate terms and
With ProGrowth Online Plus, you can establish
levels of access based on your business needs and allow online
access to authorized employees at your discretion. Enjoy these
additional benefits for only a $25 monthly service fee.
Please call our Internet Banking Department
at 888.244.3490 for additional information or to signup for
ProGrowth Online Plus.
How do I use the Spending Report?
You will need to add "Categories" to your transactions from your Online Banking!
- Open your Online Banking account
- Click on a checking product
- From the drop-down under the Transaction tab click on All Transactions
- This will take you to a new screen where you will see a list of your transactions
- Over to the right you will see an icon that looks like a "pencil on a piece of paper", click on that icon
- Click on NONE, a Category List will appear, click on the category that best describes this particular expense
- Click the SAVE button
After you have given some of your transactions a Category you will see that your Spending Report now has a ‘pie chart’ with these categories.
Will I be able to change my
Yes! Your password must be 8 characters
long and must include at least 1-alpha and 1-numeric
What if I forget my Access
- If you have personalized your ID, but
still have record of the initial ID you were given, you may
use that ID at anytime to access your accounts.
- You may also
call our HELP Center; they will be
able to provide you with a new Access ID.
- Lobby Hours:
Monday – Friday, 8:00am – 5:00pm
- call 888.244.3490
What if I forget my
If at any time you want to
password, click on the Options tab.
How frequently is my
account information updated?
Your account information is now “real
time”! Your deposits and withdrawals, including ATM
transactions, will appear on your screen at virtually the
same moment they are posted, providing you with the most
up-to-date information on your accounts.
What if I am unable to
connect with ProGrowth Online?
If you receive an error message when
trying to connect it may mean that ProGrowth Online has
unexpectedly gone down. Call our Help Center at 888.244.3490
for assistance Monday – Friday 8am to 5pm. Or simply try
your request later.
Can I pay my bills online?
ProGrowth Online Bill Pay!
It’s safe, easy and saves you money! No
envelopes to address, no costly postage stamps and you can
pay your bills when you want, 24 hours a day – 7 days a
Pay all your bills electronically using ProGrowth
Online Bill Pay. Simply click on EXPRESS TRANSFER to
access the Bill Pay center. Click on BILL PAY to get
started. Online Bill Pay has no fees for up to 20 payments
per month; each payment thereafter is $.45.
ProGrowth Check Card Holds and Pre-Authorizations
When you use your
ProGrowth Check Card, authorization is needed before they will
accept it for payment. Once the transaction is approved, the balance
in your checking account is reduced or “blocked” by the amount of
the purchase. This is known as a pre-authorization hold. The
merchant determines the hold amount. Typically the hold stays on
your account until funds are transferred to the merchant, often 3-4
days. If you look at your account online it shows as a pending
*12/07/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 1.00
*12/10/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 8.85
In the first example, the merchant is only
holding $1.00 of the total purchase. Some merchants will hold $50 or
$100 depending on what is being purchased.
In the second example, the merchant is holding
funds for the entire purchase.
How do pre-authorizations work?
In a few situations, the dollar amount of the
transaction is unknown when an approval is given. This may happen
when you check into a hotel room, rent a car*, pay for gas at the
pump or use your check card to pay for your meal at a restaurant. In
each of these transactions, the merchant may get approval for a
higher (estimated) amount – allowing for a tip, room service,
additional or higher purchase amounts.
Let’s say you have $60 in your account when you
use your check card to pay for gas at the pump. Since the purchase
amount is unknown when you insert your card, the merchant requests
an authorization for $50. The authorization causes a hold to be
placed on your account for $50 and your available balance is reduced
to $10. If you only purchased $20 in gas, you may believe you have
$40 available in your account. Unless you understand how a
pre-authorization hold affects your account, your check card could
be declined on any future transactions attempted while the
pre-authorization hold is in place. If checks or other transactions
are processed before the hold is released you may overdraw your
account and incur overdraft fees.
Want to know about pre-authorizations? Just
When you use your ProGrowth Check Card in a
situation where the merchant may estimate the charge (hotels, car
rental*, gas at the pump, restaurants, etc) use the following tips:
When a business asks for your card in advance
of service – ask if they will initiate a pre-authorization hold,
the amount of the hold and how the amount is determined. These
questions will help ensure the hold will not exceed your account
Pay the charges with the same card you used
when initiating the transaction. Ask the clerk when the hold
will be removed.
*Many rental car companies will not accept check
or debit cards.
Quicken and QuickBooks
BillPay Frequently Asked Questions
Use Manage My Bills to set up and manage automatic payments and reminders.
You can set up payments to be made based on a schedule that you set.
You can set up some e-bills to be paid automatically according to options you set.
You can change, prepay, or discontinue automatic payments at any time.
- You can click on the Get Bill icon that appears next to the company name in the Pay Bills section of the Payment Center This will take you to the
Add an E-bill page. Just enter the required information, and we send your request to the company. You can sign up for e-bills from other companies
who offer e-bills on the same page.
You can also go to Manage My Bills, select the company you want to add and click on Add an e-bill. If the company does not offer e-bills, the option
does not appear on the Add and Change Bill Options page
Pay Anyone. You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. If the person or
company can’t accept electronic payments, we print a check and mail it for you to the person or company.
Review your Bill History. ProGrowth ONLINE Bill Pay allows you to review your bills and payments in Bill History for the past 84 months.
Receive E-bills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in
ProGrowth ONLINE Bill Pay. You can view your e-bills in the Payment Center and pay them with a few simple clicks. You decide how much you
want to pay and when you want to send the payment.
Set-up Automatic Payments. You can set up automatic payments to be sent according to a schedule you set. You can change or cancel automatic payments at any time.
Establish Automatic Payments for E-bills. You can set up some e-bills to be paid automatically according to options you set. You can change or cancel automatic payments for e-bills at any time.
- Your name and address
- The company or person's name and your account number with them, if available
- The payment amount
- The pay date