Online Banking Frequently Asked Questions

What is GCB Online?

GCB Online is Internet Banking that provides online access to your bank account using a web browser. Features include:

  • Access to your account 24 hours a day / 7 days a week
  • View balances, check images and transactions
  • Pay bills electronically
  • Transfer funds between accounts
  • Export transactions to Quicken, Quickbooks, Money, or Excel.
  • Secure high-encrypted connection
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What is Bill Payment?

This is a service that allows you to send payments for bills electronically. The payment amount is debited from your account and sent to the vendor of your choice. All you have to do is provide the vendor’s information.

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How secure is Online Banking?

When you log onto GCB Online, you enter a "secure server.” We use Secure Sockets Layer (SSL) cryptography. This means every time account information is transmitted between our computers and yours, it is automatically encrypted (scrambled) to keep the transmission private and confidential.

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How do I sign up for GCB Online?

You need to be an existing customer of Gold Country Bank in order to use the Online Banking product. You may access this service through our website. Contact our Customer Service Department or your local branch office to enroll in Online Banking.

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I have more than one account. Do I need to sign up each account?

All accounts in your “portfolio” will be signed up when you first enroll. Your portfolio is a collection of accounts in your household or your business entity. Accounts that may reside on a separate portfolio may be added upon request and verification of authorized access. Online banking is not available to controlled or two-signature accounts.

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What do I need to start using the Online Banking system?

All you need is a secure browser and Internet access. You may need to update your browser to a version that supports 128-bit encryption. You may download these versions from either browser from their respective websites free of charge. Click here to download the most current version of Microsoft Internet Explorer. You can find the requirements for supported browsers here.

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Can I use Online Banking if I use a Mac computer?

Yes, as long as your internet browser meets the requirements for Online Banking. You can find the requirements for supported browsers here.

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What are the fees associated with Online Banking?

The basic package of Online Banking is free to use including the bill payment module. Other account fees and service charges may apply. See your existing account agreement or contact our Customer Service department for more details.

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How does bill payment work?

There is a separate enrollment form for the bill payment service. Once you have enrolled in Online Banking choose Bill Payment on the left navigation menu. The enrollment and login page will appear. If you need help with bill payments call 888-235-6361 for assistance. Live Chat with the Bill Payment Customer Service is available from 5:00 a.m. to 2:30 p.m. PST.

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After I enroll in Bill Pay, how do I get started using it?

Paying bills electronically is now easier than ever. You may use the Bill Payment service to pay anyone you choose. It does not have to be a large company. You may pay bills from your checking account. Two signature accounts are not eligible for Bill Payment. Choose Bill Payment from the left Navigation menu. Log in to the Bill Payment module and set up your payees. Once a payee is activated you can begin.

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When will my bills be paid?

Your payments will be paid by the due date, which you specify, provided you have scheduled the payment at least five to eight business days in advance of the due date. Depending on the bill payee, the payment may be either paper or electronic to the merchant. The Bank recommends that if your merchant requires a check payment you designate your payment date to be at least eight business days prior to your due date to ensure that the bills are received and processed on time. Bill Payments initiated by you before 1:00 p.m. will be debited from your account the same day. Those payments initiated by you after 1:00 p.m. will occur the next business day. The Bank will not be responsible for any late charges incurred by payments made through the bill payment module.

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When will Online Banking Transactions be processed?

For same day credit for transfers between accounts, the transfer must occur by 5 p.m. Pacific Standard Time on business days. Funds transfers completed after 5:00 p.m. (PST) on a business day or completed on a Saturday, Sunday, or banking holiday, will be posted on the next business day. Bill Payments initiated by you before 1:00 p.m. will be debited from your account the same day. Those payments initiated by you after 1:00 p.m. will occur the next business day.

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Are there limits to the number of transfers I can make?

You may make transfers between your Checking and Savings Accounts. (However, you may only make up to six transfers each month from your savings account or money market accounts.)

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When I try to log in I get a message that says I have been locked out. What do I do?

For security purposes, accounts are disabled if the account is inactive for 90 days or there are three consecutive failed login attempts. To reactivate your access, call our customer service department and once we have properly identified you we will unlock your account. For any problems you may have regarding your accounts or service, please contact us. Customer Service is available 9:00 a.m. to 5:00 p.m. Monday through Friday at 800-582-5503.

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Can I download my history into personal financial management software?

You can easily download your account history to Excel, Microsoft Money, Quickbooks and Quicken. On the History Screen click the arrows to the right of "Search and Download Options".

How to download:

  • View transaction history of the account you wish to download.
  • Select export to file.
  • Select Export Format
  • Click the Search button.
  • Save the file to your desktop.
  • See your software manual for instructions on how to import files.
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