ProGrowth ONLINE FAQs

Thank you for your interest in ProGrowth ONLINE! This page contains helpful information about our internet banking product, ProGrowth ONLINE. If you have any additional questions or problems, please email our Help Center at help@progrowth.com  or call 888.244.3490.

What does it cost to use ProGrowth ONLINE?

How do I get started using ProGrowth ONLINE?

How do I get started using ProGrowth ONLINE Plus?

How do I use the Spending Report?

Will I be able to change my password?

What if I forget my Access ID?

What if I forget my password?

How frequently is my account information updated?

What if I am unable to connect with ProGrowth ONLINE?

Can I pay my bills online?

ProGrowth Check Card Holds and Pre-Authorizations

Quicken and QuickBooks Information

What does it cost to use ProGrowth ONLINE?

ProGrowth ONLINE Banking is a FREE service that we provide to you!

How do I get started using ProGrowth ONLINE?

Click here to Enroll in ProGrowth Online. To begin, complete the First Time Login information.

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.

We use multiple layers of security to protect your information. You will next be asked several security questions and to select a security image.

Lastly, read and accept the ONLINE Banking Agreement. That’s it!

How do I get started using ProGrowth ONLINE Plus?

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 agreements apply)

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 $5 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 password?

Yes!  Your password must be 8 characters long and must include at least 1-alpha and 1-numeric character.

 

What if I forget my Access ID?

  • 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
       
    • After Hours:  Call 888.458.6672
      • Monday – Friday, 5:00 pm – 8:00 pm
      • Saturday, 9:00 am – 5:00 pm
      • Sunday, Noon – 5:00 pm

What if I forget my password?

If at any time you want to change your 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?

YES…with our 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 week!

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 transaction.

*12/07/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 1.00

*12/10/2009 # # # # # DDA PREAUTH MERCHANT, MERCHANT ADDRESS 8.85 

Pre-authorization holds.

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 ask!

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 balance.

  • 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 Information

Exporting Transaction Information from Online Banking

Export transaction information for use with a personal finance application, such as Quicken or Microsoft Money.

To Export transitions into a personal application, complete the Transaction Search options on the Transaction Menu screen, or select, "Transactions Export" from the Transactions menu. Click the "Export" button to complete the export process.

Additionally, clicking the "Display" button on the Transaction menu displays a complete list of transactions. Select the Export check box for each item to be exported. If the check box in the title bar is selected, all displayed items are automatically selected for export.  Click the check box a second time to de-select all items.

Note: Special printing is available on export item lists.

There are several transfer formats that may be supported for transaction export. Select a format from the Export Forma drop-down list box.  The list below details possible format types;

  • .CSV - Comma Separated - Microsoft Excel

  • .QIF - Quicken

  • .IIF - Quickbook

  • .QFX - Quicken Version 2003 or later

  • .QBO - Quickbooks version 2003 or later

  • .OFX - Money

See also, manuals:

BillPay Frequently Asked Questions