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