Welcome to our Education center!
This section of our website is meant to help answer any questions you may have about a variety of our service offerings. From personal banking to EMV Chip Technology, you’ll find the answers you need right here.
Click any of the tabs below to learn more about our various products and service offerings.
Checking accounts have no limits as to the number of transfers you can make. Savings and money market accounts, by federal regulation, are allowed no more than six withdrawals or transfers per month. You will receive disclosures about these limits at account opening. If you are unsure of the limits, please call us at 802-388-4982.
The activity viewed for deposit accounts is real-time and will change throughout the day. Loan account information will be updated the following business day.
- View account balances and transactions since the last statement
- View previous statement
- Pay loan accounts if you have both a deposit and a loan account
- Transfer funds among your accounts with us
- Download history into Excel, Microsoft Money, Quicken, etc.
Your login credentials allow you to access all accounts for which you have signing authority with statements sent to the same physical address. If you are a signer on accounts that receive statements at different addresses, you will need to log in using different login credentials. There may be other situations that require you to access your accounts separately.
Online Banking is secured using Extended Validation SSL certificates to provide the strongest SSL encryption so that your account information remains confidential while traveling over the internet. Please see our Security Statement for more information. We also employ state of the art firewall protection and monitoring to protect your account information from unauthorized access.
Please call us at 802-388-4982. We will re-set your password to a generic password that you can use to log back in. Once you log in, you will then be asked by the online banking system to change it immediately.
Please call us at 802-388-4982. We can re-set your password and you can try again.
To log in the first time, please select the "New User? Enroll" button. Your login credentials consist of an access code and password. Your access code is one of your account numbers. The access code must be 6 or more characters. You do not need to input leading zeroes unless your account number is less than 6 characters. Your password for the first login is your current Telebank 4-digit password. If you have not used Telebank, call us at 802-388-4982 to obtain your password. Once you input this first password, you will be asked to immediately change it to a longer password containing both numbers and letters.
As browser versions change, it may occur that access to a website is adversely affected. If you are unable to access Online Banking, please update the browser version or try a different browser. If an old browser version is used due to compatibility with your system, please change the browser security settings to enable TLS. In Internet Explorer, select the Advanced tab in Internet Options, then select the checkboxes for TLS 1.0, TLS 1.1, and TLS 1.2 in the security section under settings.
Other login issues may arise if you have not logged in for 180 days; you may need to log in again as a first time user.
Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.
At a high level, Mobile Banking offers the following security safeguards:
- Mobile browser and application solution customers are authenticated for every interaction with any Mobile Banking component. Customers are authenticated by user name and password or by utilizing existing login credentials for single sign-on.
- Encryption – 128-bit encryption is used for all transactions within Mobile Banking.
- Fraud – Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
- Availability/Resilience – Mobile Banking is protected against malicious attacks through software and server hardening measures.
- Audit Ability – Mobile Banking provides full audit capabilities through event logs and event-based reporting.
No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.
You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.
When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions do not display.
Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, complete the Mobile Banking Enrollment section.
If your mobile phone number changes, simply update your mobile phone number in Mobile Banking. To update the mobile phone number, complete the How To Change a Phone Number section.
If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. To deactivate your mobile device, complete the How To Deactivate or Stop Using a Mobile Device section.
To stop using Mobile Banking on your mobile device, complete the How To Deactivate or Stop Using a Mobile Device section.
Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.
Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Mobile Money also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.
Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.
Any NBM customer at age 50 or over is automatically enrolled in the New Horizons Club. Membership is free! If you need an NHC keytag or more information, call Customer Support at 388-4982.
NHC members are entitled to local merchant discounts, receive the quarterly newsletter, and are eligible to participate in all NHC events, lectures, and trips. It is a great opportunity to meet new people, stay active, and visit new places.
As a New Horizons Club member, you receive free notary public service and free medallion signature guarantee.
If your card is lost or stolen, please call us immediately to close the account for the lost/stolen debit card and order you a new card. Lost or stolen debit cards can be reported to National Bank of Middlebury 24/7 by calling 1-877-508-8455 or 1-800-528-2273. Lost or stolen cards can and should be reported immediately to prevent unauthorized use of your card.
Below is an Interactive FAQ and help service provided by CheckFree, the makers of Bill Pay. Clicking an answer or topic will not lead you away from the page – feel free to explore.
Bill Pay Customer Service can be reached at 855.832.6468 between the hours of 7:00 AM – 1:00 AM ET, 7 days a week.
NOTE: We do not offer a Person-to-Person Payment option at this time.
eCorp has all the same functionality as online banking with the following enhancements:
- The ability to view more information about your balances, including availability, holds, floats, and pending transfers.
- We can customize your computer screen viewing by adding business as well as personal accounts and organizing and labeling those account lists per your instructions.
- The ability to assign various levels of security access for your employees.
- Online wire transfer orders.
- Initiation of ACH transactions, whether you plan to originate few ACH transactions or originate large volumes of ACH transactions.
eCorp sign up forms can be found on our website. Complete the forms and return them to the bank. A bank representative will be available to answer your questions. Once we set up your eCorp service, based on your specifications, we will assign you a User ID and Password and you can log on.
(If you would like to take advantage of the ACH transaction origination feature, a separate ACH contract will need to be completed.)
Signing up for eCorp is easy! Just visit the eCorp page and click on the Application tab.
We look forward to serving you!
An online banking service specifically designed for businesses.
Automated Clearing House (ACH) transactions. The ACH system is used for making recurring payments or collections such as direct deposit payroll, tax payments, vendor payments, and dues and donations collection. Electronic ACH transactions can save your business time and money by reducing check writing and speeding up the payment process.
eCorp is a free service unless you use the wire transfer, ACH transactions, or stop payment order features. Details about the fees for those services can be found in the eCorp application forms.
You need an Internet connection and an up to date version of Microsoft Internet Explorer, Firefox, Chrome, or Safari.
eCorp uses the same security features as our current online banking service. Please see the Security Statement on our website.
We have many resources available to answer your questions about loans, please follow the link below to learn more.
EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard® and Visa®), this smart chip technology features payment instruments (cards, mobile phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: “chip and PIN” or “chip and signature.”
Chip technology is an evolution in our payment system that will help increase security, reduce fraud and enable the use of future value-added applications. Chip cards are standard bank cards that are embedded with a micro computer chip. Some may require a PIN instead of a signature to complete the transaction process.
Simply put, EMV (also referred to as chip-and-PIN, chip-and-signature, chip-and-choice, or generally as chip technology) is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data in the card-present environment. A cardholder’s confidential data is more secure on a chip-enabled payment card than on a magnetic stripe (magstripe) card, as the former supports dynamic authentication, while the latter does not (the data is static). Consequently, data from a traditional magstripe card can be easily copied (skimmed) with a simple and inexpensive card reading device – enabling criminals to reproduce counterfeit cards for use in both the retail and the CNP environment. Chip (EMV) technology is effective in combating counterfeit fraud with its dynamic authentication capabilities (dynamic values existing within the chip itself that, when verified by the point-of-sale device, ensure the authenticity of the card).
No. The chip technology standard for payment was first used in France in 1992. Today, there are more than 1 billion chip cards used around the world. The U.S. is one of the few industrialized nations that have not fully transitioned to this technology standard.
Preventing the growth of fraudulent activity is one of the main reasons the industry is moving toward EMV technology. Chip cards make it difficult for fraud organizations to target cardholders and businesses alike. As a result, more and more chip cards are being introduced by U.S. financial institutions in order to support and switch over to this technology.
With the liability shift, if a chip card is presented to a merchant that has not adopted a terminal that is certified for chip card acceptance, liability for counterfeit fraud may shift to the merchant’s acquirer – who may then pass this fee back to the merchant. The liability shift encourages chip adoption since any chip-on-chip transaction (chip card read by a chip certified terminal) provides the dynamic authentication data that helps to better protect all parties. In addition, if a counterfeit magnetic stripe card is presented at a chip certified terminal, the liability for the counterfeit fraud will be the responsibility of the card issuer.
A chip payment card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. What you see on the card is not the actual microchip but a protective overlay. The microchip provides an additional level of authenticity for the transaction.
Chip cards will still have a magnetic stripe during the U.S. migration to EMV to ensure that customers can continue to pay until all merchants have been given the time to upgrade their equipment.
Your EMV-enabled device will communicate with the chip inside the customer’s smart card to determine whether or not the card is authentic. Generally, the terminal will prompt the customer to sign or enter a PIN to validate their identity. This process enhances the authentication of both the card and cardholder, effectively reducing the possibility that your business will accept a counterfeit card or be held liable for a fraud-related chargeback.
The Future Proof terminal has a magnetic stripe swipe reader and you can continue to accept payment cards that are not chip-enabled.
Chip cards will still have a magnetic stripe during the U.S. migration to EMV, to ensure that customers can continue to pay until all merchants have been given the time to upgrade their equipment.
To process a chip card transaction, follow these four simple steps:
- Identify whether the card is a chip card.
- If it’s a chip card, the customer should then insert it into the chip card reader (slot on the bottom-front of the terminal) and leave it there until the transaction is complete.
- Follow the prompts displayed on the terminal.
- Let the customer complete the transaction by keying in a PIN or signing the receipt.
Make sure the card is inserted into the terminal’s chip reader slot face up with the chip first. The card must stay in the terminal’s chip reader slot for the duration of the transaction, which ends when the receipt is being printed. If the card is removed before the end of a transaction, the payment will not be processed.
No, you are not required to support EMV in the U.S. region at this time. However, one item that you need to consider is that even if your organization hasn’t been targeted by high levels of card present fraud in the past, you may be putting yourself at risk in the future, as fraud will migrate to the weakest technology (magnetic stripe) Therefore, you may want to ensure that all your terminals are chip capable and that your payment processing application can support chip card acceptance. The good news is that most terminals deployed in the last five years are already chip capable so you may be ready to accept these cards today.
Another Visa and MasterCard ruling is the liability shift. Once this goes into effect, merchants who have not made the investment in chip-enabled technology may be held financially liable for card-present fraud that could have been prevented with the use of a chip-enabled POS system.
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