Candlelight Ranch

Q: What is Online Banking?

A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

Q: What can I do with Online Banking?

A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Online Banking Demo to see all the features of Online Banking and how you can personalize your online banking experience.

Q: Is any of my personal information stored in the Online Banking product?

A: Yes, the Online Banking product stores your User ID, password and user preferences.

Q: How current is my banking information?

A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q: What accounts will I be able to access through Online Banking?

A: Once approved, you can access your eligible checking, savings, CD and loan accounts from the Online banking service. Our Online Banking Product is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?

A: The system will automatically show the current month’s transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way? 

A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?

A: Online Banking supports downloads to Quickbooks™, Quicken™, Microsoft Money™ or as a comma-delimited text file.

Q: Can I schedule future transfers?

A: Yes, you can schedule open, future and recurring transfers.

Q: When can I use Online Banking services?

A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: Is there a demo available for me to try?

A: Yes, we have an Online Banking Demo that is part of the Home Banking package.

Q: How long can I be inactive before being logged out of the Online Banking product?

A: The inactivity time out default is set for 10 minutes for Personal Online Banking platform. The inactivity time out default is set for 15 minutes for the Business Online Banking platform.

Q: What is required to use the Online Banking service?

A: All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Google Chrome Mozilla Firefox, Microsoft Edge, or Safari (Personal Online Banking, MAC or Safari for Windows. Business Online Banking, MAC users only). You can use any computer that has Internet access. For optimized results, please ensure your browser is updated to the latest version.

Q: How do I access Online Banking?

A: You must first complete the Online Banking registration form,  (Personal Online Banking) or the Business Online Banking registration form,  and submit it to us. Once your registration is received we will process your request. You will need a password to access the service for the first time. If you forget your password, or need additional assistance logging in, you may contact us,   by telephone. You must have an existing checking, savings or loan account before banking online.

Q: Can I create my own password that is easy for me to remember?

A: Yes, after your first-time login, you can go to My Settings in Online Banking and change your password. In Business Online Banking you can go to Security Preferences to change your password.

Q: What happens if I forget or lose my password?

A: Just call us and we will take you through the steps needed to get back into the system immediately!