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Online Banking FAQ's

Get answers about Online Banking and Pending Signature Transactions.



Online Banking

 

View Pending Signature Transactions

Is Online Banking free?

Yes, Online Banking access is free, and it gives you the ability to view all of your accounts, transfer funds and download account activity to Quicken or Microsoft Money.

Beginning January 1, 2005, BankAtlantic now also offers Bill Pay for free, which gives you the ability to pay any company or person in the U.S. without the hassle of envelopes and stamps. 

What should I do if I forget my Online Banking Passcode?

Your Passcode is the second field of characters you’re required to input for logging on to Online Banking. If you do not remember your Passcode, simply click on the "Forgot Your Passcode?" link on the logon page and follow the simple verification process. You will be asked to supply your Access ID, your SSN or Tax ID and one of your account numbers. After completing the initial steps, you will be asked the "Security Question" you specified, and once the correct answer is supplied, you will be prompted to select a new Passcode. An email will be sent to your email address of record with a confirmation number, which you will be required to input upon your next log on.

If you cannot remember your Access ID (the first field of characters you’re required to input for logging on) or experience problems with the automated reset of your Passcode, please call the 7-Day Customer Service Center at 1-888-7-DAY-BANK. Select your language preference, and then opt to speak directly with a BankAtlantic associate in the Online Banking division. He or she will be glad to assist you with resetting your Passcode.

What should I do if I get locked out of Online Banking because of too many failed log-in attempts?

For the security of your account, the BankAtlantic Online Banking service locks out an account if there has been three or more incorrect log-in attempts. If this happens to you, call the 7-Day Customer Service Center at 1-800-741-1700. Select your language preference, then opt to speak with a BankAtlantic associate in the Online Banking division. He or she will assist you with resetting your Passcode.

Can I download my account activity into Quicken, QuickBooks or Microsoft Money?

Yes. The BankAtlantic Online Banking service allows you to seamlessly download all of your online account information into the latest versions of Quicken, QuickBooks or Microsoft Money.

  1. Log on to Online Banking.
  2. Click on the "Accounts" navigation tab.
  3. Under the "Make a Selection" column, click on the "history" text link for the account you want to download.
  4. Select your date range.
  5. In the "Download Format" pull-down menu, select your preferred format such as "Quicken Web Connect".
  6. Click on the "Download" button.

 

What if I need help during an Online Banking session?

You can always click a yellow question mark on a particular screen to get more information on using that function. You're always welcome to call the 7-Day Customer Service Center at 1-800-741-1700. Select your language preference, then opt to speak with a BankAtlantic associate in the Online Banking division.

What are the browser requirements to use Online Banking and Bill Pay?

To log-in and process transactions with BankAtlantic's Online Banking service, you'll need to use a secure browser that meets a minimum of 128-bit encryption. If you are using an older browser, or feel your browser does not meet the security requirements of BankAtlantic, use one of the following links to download an upgraded browser:

 

 

Only the AOL browser with 128-bit encryption (the most recent version) is supported.

How is my account and personal information protected?

The recommended browsers (see above) transmit account information safely, thanks to Secure Sockets Layer (SSL) technology - the leading security protocol on the Internet. When using the Online Banking and Bill Pay service, you will see "https" at the beginning of the URL in your browser's address bar. The "s" means you are using a secure connection, and any data you enter (your Access ID, Passcode, account information) is protected.

  • If using Internet Explorer as your browser, the "closed padlock" icon that you see at the bottom of your screen signifies a secure session.
  • If using Netscape as your browser, the "whole key" icon that you see at the bottom of your screen signifies a secure session.

Can I change the page in which my Online Banking session starts?

Yes. Log on to online banking, and click on the "User Services" navigation tab. From there, you can choose what colors you see, and page you start on (for example, you can adjust the settings so you see "Accounts" when you first log-in rather than "Payments").

How do I place stop payments on checks?

  • Click on User Services in the top navigation bar
  • Click on the Stop Payment link under "Other Services Requests".

 

What are pending transactions?

Pending transaction activity refers to credit and debit transactions that have not yet posted to your account. Holds may also be applied to certain transactions that occur on the current business day, but have not yet posted to your account.

PIN-Based Transactions made with your BankAtlantic ATM or Debit Card are processed and posted to your account either on the same day the transaction is made or on the next business day. Though the transaction may be pending, your available balance will reflect this transaction immediately.

Signature-Based Transactions made with your BankAtlantic Debit Card, without your PIN (Personal Identification Number), may take several business days to post to your account. Your available funds may be reduced by the amount of the pending transaction authorized by the merchant, but will be credited back within 2 business days. Your remaining available balance must be sufficient to cover checks and other debits that post to your account, or you may be assessed charges for overdrafts and/or returned checks.

Certain transaction activity will post to your account during nightly processing the next business day, such as:

  • ATM deposits made after 5 p.m. on a business day.
  • Any transaction made on a non-business day.
  • Business days are Monday through Friday until 5 p.m. (excluding federal holidays).

What is an authorization?


When using your BankAtlantic Debit Card for purchases where a signature is used versus a PIN (Personal Identification Number), the merchant will submit a request for an approval or an “authorization” for the transaction. This authorization is used to verify that the account is open and that the purchase amount is acceptable at the time of the request. The authorization amount can vary by merchant. Most merchants will request an authorization for the exact amount of the purchase. However, some merchants may send a nominal amount such as $1.00 or an estimate that is more or less than the actual purchase amount. Each authorization will display as a pending transaction. This pending transaction will be credited back to your account within 2 business days. When the transaction is presented to the bank, the actual purchase amount is then deducted from your account.

Why would a pending transaction or authorization amount be different from my actual purchase amount?


The authorization amount that has been requested by a merchant may be different from the actual purchase in situations where an estimated authorization amount or a tip is involved. A restaurant may have requested an authorization before the tip had been added on. Some restaurants may estimate the tip when making an authorization request. Gas stations may have made an authorization request before time of fueling. Many pay-at-the-pump gas purchases are initially authorized for $1.00 no matter what the final purchase amount may be.

What is the difference between signature-based transactions and PIN-based transactions?


A signature-based transaction is any time you use your BankAtlantic Debit Card for a purchase where you do not enter your PIN (Personal Identification Number) into the merchant’s keypad at the point of sale. Most signature-based transactions will require you to sign a receipt, but not all “pin-less” transactions, such as Internet purchases, mail order purchases or pay-at-the-pump gas purchases will require a signature.

When will I see the actual purchase amount be posted to my account?

It may take several business days for the actual purchase amount to post to your account. The pending transaction amount is reflected in your current balance and will reduce your available balance. Within 2 business days, this pending transaction will be credited back to your account and the actual transaction amount should appear in its place.

What is the difference between “Pay-at-the-pump” transactions and other merchant transactions?

Pay-at-the-pump transactions occur when you swipe your BankAtlantic Debit Card at the gas pump. The station generally requests an authorization to verify the account is active. Most authorizations are for $1.00.

Other merchants, such as restaurants and hair salons may add an estimated tip to the authorization amount, which may cause the actual purchase amount to differ from the pending transaction amount.

Hotels, cruise-lines and car rental agencies are allowed to request authorization amounts based on the length of stay, taxes and any additional expected dollar amounts. It is recommended that you ask for the authorization pending amount when you are making your reservations.

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