Personal Banking

Frequently Asked Questions

Parkvale Online
Parkvale Online Bill Pay
Remote Deposit
FDIC Insurance
Mortgages

About Parkvale Online

1. How secure is my account information?

   Parkvale's number one priority is ensuring a safe and secure banking environment for its customers.

   Privacy is ensured through the protection and confidentiality of the communications between your computer and our network servers.

   Authorization by password protection means only authorized persons can access your account.

   Network Security, which isolates our online banking network from the Internet, gives Parkvale Online customers additional security.

2. What are the software requirements for Parkvale Online?

   • Microsoft Window Users (latest version)
   • Netscape Navigator
   • American Online
   • Microsoft Internet Explorer
   • Macintosh Users (latest version)
   • Safari
   • Netscape for Mac OS

3. How do I enroll in Parkvale Online?

   Pick up a Parkvale Online enrollment form at any branch, click here to sign up one from or e-mail us a request. You can also call (412) 373-4823 to get an enrollment form.

   To reduce fraud, a completed enrollment form must be returned to a branch for signature and identification verification. You can deliver the form to your local Parkvale branch in person or through the mail.

   You are ready to use Parkvale Online once you:

   1. Receive a confirmation letter from Parkvale, and
   2. Receive e-mail notification of your Login ID.
   
   

4. After enrolling in Parkvale Online, how do I add new accounts?

   Notify a Parkvale branch that you want to add a new account or contact us, stating that you have opened a new checking, CD, savings or other account, and that you would like to access it via Parkvale Online.

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About Parkvale Online Bill Pay

1. What is Parkvale Online Bill Pay?

   Parkvale Online Bill Pay lets you pay your bills online through our online services. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

2. How does Parkvale Online Bill Pay work?

   To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

   After you've added your billers, you can go to the Payment Center. There you can view all of the billers you've added. To pay a bill, first locate the biller, then enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

   Tip: When you enter an amount, Parkvale Online Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.

3. How do I enter the billers into Parkvale Online?

   Login to Parkvale Online and click "pay bills" in the top menu bar. When the next screen appears, click "add a bill" and follow the prompts from there. You can also view a demo that will walk you through the steps.

4. How many bills can you pay at the same time from the Payment Center?

   You can pay as many bills as you want at the same time from the Payment Center.

5. What happens after I pay a bill?

   After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

   • The Pending Payments section provides a quick summary of the payments that have not been processed yet.
   • The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

   You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.

6. Will I be able to see a history of my payments?

   You can see a summary of your pending payments and the payments you've made in the past 45 days in the Recent Payments section. In addition, you can review your bills and payments for the past six months.

7. What should I do if I can't find a payment in the Recent Payments section?

   If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.

8. Can I receive some bills online through Parkvale Online Bill Pay?

   You can receive some of your bills online in Parkvale Online Bill Pay. You can view and pay these bills at the Payment Center.

9. Can I set up automatic payments?

   You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.

10. How secure is my bill payment and personal information?

    Parkvale Online Bill Pay uses several methods to ensure that your information is secure.

    • SSL-Parkvale Online Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
    • Encryption-Parkvale Online Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
    • Automatic Sign Out-Parkvale Online Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in Parkvale Online Bill Pay.

11. Which browsers should I use to access Parkvale Online Bill Pay?

    For best performance, we recommend you use one of the following supported browsers:

    • Microsoft Internet Explorer 7 (Windows Vista and XP)
    • Microsoft Internet Explorer 6 (Windows XP)
    • Firefox 2 (Windows XP)
    • Apple Safari 3 (Mac OS X 10.5.x)

    While other browsers may work with Parkvale Online Bill Pay, these supported browsers provide the highest level of security, accuracy, and functionality.

    We also recommend that you enable JavaScript in your browser. JavaScript is required for certain Parkvale Online Bill Pay features to function properly.

12. How do I know if the company or person received my payment?

    Look for the payment to move from the Pending Payments section to the Recent Payments section.

    • You can see a list of pending and recent payments for a particular biller in the Payment Assistant.
    • You can see a list of pending and recent payments for all billers in the Payment Center.

    If the payment was processed normally, you see the amount of the payment. If you canceled the payment, you see the status of the payment.

    You can also check the status of the payment in Bill History. If the status is Paid, the payment has been sent to the biller. In some cases, you may see the date when the biller posted the payment to your account.

    When you set up your bill reminders, you can select an option to receive an e-mail message when the payment is sent. The message contains any posting information that the biller sends us. If you want to confirm that the payment has been posted to your account, contact the biller. It may take a few days for the biller's payment system to show the credit to your account.

    You can check your account statement to see if the funds were withdrawn from your payment account. Would you like to receive your statements online? Click here to sign up for e-statements.

    You can always contact your biller directly regarding payments to your account.

13. Who can I pay using Parkvale Online Bill Pay?

    You can pay anyone in the United States that you would normally pay by check or automatic debit. You can pay large companies and small companies, as well as individuals such as childcare providers or family members.

14. Which bills can't I pay with Parkvale Online Bill Pay?

    You cannot use Parkvale Online Bill Pay to pay any company or person with an address outside the United States or its territories.

    You can use Parkvale Online Bill Pay to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.

15. Do I need to contact the companies or people that I pay if I choose to pay my bills with Parkvale Online Bill Pay?

    No, you do not need to contact the companies or people that you pay if you use this service. We make the payment based on the information you provided when you added your biller. If we have already established a relationship with a company or person you want to pay, we may send the payment electronically or to a location specified by the biller. Otherwise, we print and mail a check to the address you provided. If you enter your account information, we send it with your payment so that the company can credit your account properly.

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About Telephone Banking

1. Which Parkvale accounts may I access?

   Any deposit or loan accounts that are registered with your Social Security Number.

2. What is my PIN number?

   The first time you use Parkvale's Telephone Banking System, you must first enter the four-digit Personal Identification Number (PIN) established by the bank when you opened your account.

   If you cannot recall your PIN Number, please call 412-380-8900 during regular business hours. A Parkvale representative will be glad to assist you. If outside of Pa., call 877-724-8900.

3. Can I use Telephone Banking to transfer money between my Parkvale accounts?

   Yes, once you have set up access to the Telephone Banking System by completing a Transfer Authorization Form.

   To protect you from identity theft, this form must be completed in person, at a Parkvale branch office, with proper photo ID. Please allow up to three working days for telephone access to the funds transfer feature.

4. What if I have a question while using Parkvale's Telephone Banking?

   Simply press the [*] on your telephone keypad to return to the previous menu, then follow the voice prompts.

   If you need further assistance, press [0] on your telephone keypad and a customer service representative will answer your questions during regular business hours. After business hours, you can leave a message and a representative will return your call the next business day.

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About Remote Deposit

1. Is there a deposit deadline?

   Yes, there is a deposit deadline, set well past the normal banking day. Deposits transmitted Monday - Friday by 8:00 pm Eastern Standard Time (EST) are available the next business day. Deposits transmitted Saturday by 3:00 pm EST are available the next business day. Of course, you may deposit from your business location 24 hours a day, 7 days a week.

2. Am I able to make deposits from my various locations?

   Yes. Deposits can be made from multiple locations or offices, eliminating the need to have a local banking relationship for each business location. Additionally, e-deposit will allow you to consolidate all of your business transactions into one or several accounts with us.

3. How does e-deposit work?

   Parkvale's e-deposit is simple and easy to use. As you go through your workday and accumulate checks from your customers, you choose when to transmit the checks to Parkvale via a secure internet connection. You can transmit as many times as you want, keeping in mind the deposit deadlines established above. The processing steps are as follows:

   Scan:
   The scanner captures each side of the check, including the MICR information and dollar amounts.
   Balance:
   Checks are totaled and balanced to the deposit ticket.
   Transmit:
   The check images and deposit ticket are electronically sent to Parkvale and funds are deposited directly into your checking account(s).

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About FDIC Insurance

1. What Is the FDIC?

   The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost even one penny of FDIC-insured funds.

2. What types of accounts are eligible for FDIC insurance?

   FDIC insurance covers all deposit accounts at insured banks and savings associations, including checking, NOW, and savings accounts, money market deposit accounts and certificates of deposit (CDs) up to the insurance limit.

   The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if you purchased these products from an insured bank or savings association

3. How can I keep my deposits within FDIC insurance limits?

   If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank or savings association, you do not need to worry about your insurance coverage - your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured provided the accounts meet certain requirements. In addition, federal law provides for insurance coverage of up to $250,000 for certain retirement accounts.

4. What are the basic FDIC coverage limits?*

   Single Accounts (owned by one person): $250,000 per owner

   Joint Accounts (two or more persons): $250,000 per co-owner

   IRAs and other certain retirement accounts: $250,000 per owner

   Revocable trust accounts: Each owner is insured up to $250,000 for the interests of each beneficiary, subject to specific limitations and requirements

   *These deposit insurance coverage limits refer to the total of all deposits that account holders have at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.

5. Is it possible to have more than $250,000 at one insured bank and still be fully covered?

   You may qualify for more than $250,000 in coverage at one insured bank or savings association if you own deposit accounts in different ownership categories. The most common account ownership categories for individual and family deposits are single accounts, joint accounts, revocable trust accounts and certain retirement accounts.

6. What is a single account?

   This is a deposit account owned by one person and titled in that person's name only, with no beneficiaries. All of your single accounts at the same insured bank are added together and the total is insured up to $250,000. For example, if you have a checking account and a CD at the same insured bank, and both accounts are in your name only, the two accounts are added together and the total is insured up to $250,000. Note that retirement accounts and eligible trust accounts are not included in this ownership category.

7. What is a joint account?

   This is a deposit account owned by two or more people and titled jointly in the co-owners' names only, with no beneficiaries. If all co-owners have equal rights to withdraw money from a joint account, a co-owner's shares of all joint accounts at the same insured bank are added together and the total is insured up to $250,000. Note that jointly owned revocable trust accounts are not included in this ownership category.

   If a couple has a joint checking account and a joint savings account at the same insured bank, each co-owner's shares of the two accounts are added together and insured up to $250,000 per owner, providing up to $500,000 in coverage for the couple's joint accounts.

   For more information concerning FDIC insurance please visit www.fdic.gov.