FAQ

It’s easy to make a transfer between two of your NBM accounts in online banking. You can even make the transfer recurring if you choose! Just follow these steps:

1. Log into online banking (just click the Login Now button on the left, then Online Banking).
2. Click “Transfer” in the blue bar across the top.
3. Choose from the first drop-down menu which account to transfer from.
4. Choose from the second drop-down menu which account to transfer to.
5. Choose the date you would like the transfer to go through. It should automatically fill in today’s date, but you can change that if you like just by clicking the date shown.
6. If you wish to make this an automatic recurring transfer, just click the checkbox to the right of the date next to “Repeat…” You will then see options to choose the frequency, transfer day, and how long you want the automatic transfers to go on. If you do not want an automatic transfer, leave the checkbox next to “Repeat…” empty.
7. Enter the amount of the transfer in the Amount line.
8. You can type a description if you like, but this line is optional.
9. Click “Preview Transfer.” This will show you the options you have selected. If all looks good, click Complete Transfer. If you need to change something, click Edit. If you changed your mind on the whole thing, just click Cancel!

Yes! You can transfer between your NBM account and your account at another financial institution within online banking. Note: You must be the owner of the account at the other institution. If you are looking to pay someone you know, use our Zelle® service. Click here to learn more about Zelle®

To transfer money between your NBM account and your account at another financial institution:

1. Log into online banking (just click the Login Now button on the left, then Online Banking).
2. Click “Bill Pay” in the blue bar across the top. Note: If this is your first time using Bill Pay, it will ask you to accept the terms and conditions before continuing.
3. In Bill Pay, click “Transfer Money.”
4. Below where it says “Transfer Money With Other Financial Institutions,” click “Add an Account” (this is a one-time process).
5. Fill in all the information for your account at your other institution, then click the “Add Account” button. You will have to wait for two micro deposits into your other account. These should appear in your other account within two business days. Once you have the amounts, write them down and go back into National Bank of Middlebury’s online banking bill pay service and enter the two amounts.
6. Once your account at your other institution is verified, you can transfer money between the accounts whenever like. Just login to Online Banking, open Bill Pay, select Transfer Money, and you will be able to choose which accounts you want to transfer to and from and for how much. You can even make it a repeating transfer if you select that option.

Questions? Call Customer Support at 802-388-4982.

If you receive a “Cookies are blocked” error while using Online Banking or Bill Pay with the Chrome browser on Windows 10 or Mac, please try the following instructions:

1. In Google Chrome, select the three vertical dots in the upper right corner and select Settings.
2. Under “Privacy and security”, click Cookies and other site data
3. Scroll down to Sites that can always use cookies and click the Add button
4. Enter the two domains listed below, as shown, and select the checkbox to include third-party cookies.
   1. [*.]natlmiddleburyonline.com
   2. [*.]checkfreeweb.com

5. Close the browser, then log back into Online Banking.

If you receive a “Cookies are blocked” error while using an iPad to access Online Banking or Bill Pay, please try the following instructions:

1. Open the Settings app (gear symbol)
2. Under Settings on the left pane, select your browser (Safari or Chrome)
3. For Safari, make sure the following settings are turned OFF:
   1. Block Pop-ups
   2. Prevent Cross-Site Tracking
   3. Block All Cookies
4. For Chrome, make sure the following setting is turned ON:
   1. Allow Cross-Website Tracking

If you continue to have trouble, please call us at 877-508-8455.

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. We recommend using either Microsoft Edge, Apple Safari, Google Chrome, or Mozilla Firefox.

Other login issues may arise if you have not logged in for 365 days; you may need to log in again as a first time user.

Please contact us if you continue to have trouble accessing Online Banking.

To start the enrollment process, click Enroll in Online Banking. Then:

1. Choose the type of account in drop-down
2. Enter the account number for the account type selected above (The account number must be at least 6 digits; enter lead zero’s if required).
3. Enter full social security number (SSN) of account holder (without hyphens)
4. Enter the first time enrollment PIN (may be last four digits of SSN – if not, please call us at 877-508-8455 for your first time enrollment PIN)
5. Create a security question
6. Enter the answer to your security question
7. Enter email address
8. Confirm email address
9. Select Enroll
10. Read and accept the terms and conditions to continue
11. Create your new username and password (Passwords must be between 8 and 17 characters and must contain at least 1 number and 1 letter)
12. Set up challenge questions

That’s it! Once you’re logged in, you can set up alerts if you wish by clicking the Enroll button under Alerts.

To log in next time and every time:

At Electronic Banking, select Online Banking from the drop-down menu and enter your credentials.

Please call us at 802-388-4982. We can re-set your password and you can try again.

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.

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 Privacy Policy for more information. We also employ state of the art firewall protection and monitoring to protect your account information from unauthorized access.

Your login credentials allow you to access all accounts for which you have the signing authority in most cases. There may be some situations that require you to access your accounts separately. If you have any questions, please call Customer Support at 802-388-4982.

• 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.

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.

There are no limits to the number of transfers you can make with Bill Pay. Bill pay is a free service that allows you to pay your bills through NBM Online Banking without having to write checks.

A bill pay service is offered in addition to our online banking services. The service provides a way for you to pay your bills without a need for you to write a check. This service is free. You may sign up for Bill Pay in Online Banking

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:

• Authentication – 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.

Below is a video provided by CheckFree, the makers of Bill Pay.

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.

If your card is lost or stolen, please call us immediately to close 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 1-866-657-0596. Lost or stolen cards can and should be reported immediately to prevent unauthorized use of your card.

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 Edge, Firefox, Chrome, or Safari.

eCorp uses the same security features as our current online banking service. Please see the Privacy Notice on our website.

It’s easy to make a transfer between two of your NBM accounts in online banking. You can even make the transfer recurring if you choose! Just follow these steps:

1. Log into online banking (just click the Login Now button on the left, then Online Banking).
2. Click “Transfer” in the blue bar across the top.
3. Choose from the first drop-down menu which account to transfer from.
4. Choose from the second drop-down menu which account to transfer to.
5. Choose the date you would like the transfer to go through. It should automatically fill in today’s date, but you can change that if you like just by clicking the date shown.
6. If you wish to make this an automatic recurring transfer, just click the checkbox to the right of the date next to “Repeat…” You will then see options to choose the frequency, transfer day, and how long you want the automatic transfers to go on. If you do not want an automatic transfer, leave the checkbox next to “Repeat…” empty.
7. Enter the amount of the transfer in the Amount line.
8. You can type a description if you like, but this line is optional.
9. Click “Preview Transfer.” This will show you the options you have selected. If all looks good, click Complete Transfer. If you need to change something, click Edit. If you changed your mind on the whole thing, just click Cancel!

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:

1. Identify whether the card is a chip card.
2. 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.
3. Follow the prompts displayed on the terminal.
4. 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.