First, set up a temporary password with your Customer
Service Representative, or call 1-800-267-3610 during regular business hours
to request one. If you are a Telebanc user, you may use your current
Telebanc password as your eBanc temporary password.
You will also need to know one
of your account numbers. It can be a checking,
savings, certificate of deposit, or loan account number. This number
will be your eBanc "Access ID" when you sign in as a
First Time User.
Browser Apple Safari 4.0 or 5.0
Apple Safari 5.0 for Mac
Firefox 3.5, 4.0, 7.0 or 8.0
Chrome 15.0 or 16.0
Google Chrome 9.0
Microsoft Internet Explorer 7.0, 8.0, or 9.0
Opera 10.0 or 11.0.
Some online banking features may not be available with
earlier browser versions.
For best results, your screen resolution should be set to 800 x 600 Resolution.
The server that stores your Baylake Bank account information
uses Secure Sockets Layer protocol (SSL). This security encrypts the data sent
making it difficult to see your information. In other words, your information is
sent in a scrambled format. To ensure that the information is being sent from a
secure server, the address will start with https:// rather than http:// and you will
notice that you are receiving the information from an SSL server securely if you see a
closed padlock at the top of your screen like this:
Using 128-bit encryption technology scrambling your information, it would take a computer
dedicated to doing nothing else many years to unscramble. We require
that Internet Explorer browsers use the 128-bit high encryption pack option for the strongest
security available. Internet
Explorer High Encryption Pack is available for download now.
eBanc requires that your computer's browser
utilize 128-bit encryption for your security, and the connection will be
automatic within the United States. However, the connection will not be
automatic outside of the U.S.; Internet Explorer will need the 128-bit high encryption pack option for the strongest
security available. Internet
Explorer High Encryption Pack is available for download now.
The security feature for eBanc ensures that you are only one
who knows your password. eBanc will consider you a "First Time User" until
you go through the process of changing your password at least once. If
you have an oldbookmark or "favorites" link to
access eBanc, you will need to update your eBanc link. Enter through the "Log
eBanc" button to the left or
Your Access ID is case sensitive. If
you used any capital letters in setting up your Access ID, you must capitalize those same
letters every time you enter your Access ID. If you are entering the right
Access ID and Password and you're still not able to access eBanc, check if your Caps Lock
button is activated.
As a "First Time User", your Access ID will be any one
of your account numbers. After you successfully Log In the first time,
you will be prompted to change your password. At that time you may
choose a personalized Access ID, using at least six
(6) letters and/or numbers. The Access ID is case sensitive. If you use
letters in your Access ID, you must remember which letters are capitalized and which
letters are not capitalized.
You will be required to change your password, but
changing your Access ID is optional. If you do not choose to enter a new
Access ID when you are prompted to change your password, your Access ID will
continue to be the account number that you used to Log In for the first time.
Before you begin, read the Disclosures and Agreement. There
is also a Disclosures and Agreement button at the bottom of each eBanc webpage for your
reference. To access internet banking, click on the Log In eBanc button found on the
Baylake Bank homepage or throughout this website.
You will then see a "First Time Users" button for
you to use. Complete the information as requested on the screen:
This is one of your account
numbers. You can choose to use your checking, savings,
certificate of deposit, or loan account number.
Indicate the type of account
that you're using as your Access ID. If you entered your checking account number in
the Access ID, then select "Checking".
temporary password you
requested from your Customer Service Representative. If you are a
current Telebanc user, you may use that number as your temporary
password to Log In as a First Time User.
After choosing "Submit", you will then be asked to change your password.
The bank will not know the password you choose, so you must carefully protect
and remember it.
You may choose to change your Access ID at this time.
Joint account owners will be required to have
different Access IDs. Letters or numbers are allowed and a combination
of both is encouraged. However, because characters are case
sensitive, you must use the same capitalization each time. (Check if
your "Caps Lock" button is activated or not!)
After this first time
Log In to eBanc, you will simply Log In
using your Access ID and your new password.
Each customer needs to sign on to eBanc with their own
Password and Access ID. If one signer on the account has already accessed
eBanc using the "First Time User" button, their Access ID (account number) is
assigned to that password. If an Access ID is already in use or has been chosen by
another Baylake Bank customer, you will be prompted to choose a new Access ID.
Welcome! Once you're logged in to your accounts, there isn't
any right or wrong thing to do first. The "Preferences" button makes
it very easy to change your password, and we encourage you to make a habit of changing it
often for your own security.
Once you are logged in, the screen will display "My Accounts"
with a listing of your accounts. You can view each of them in more detail by clicking on the
corresponding account number. Clicking on
an account number will bring the "Balances" screen. Just click on the other available buttons to see the
different types of information now available to you.
The first time you log in to
eBanc, you are required to change your temporary password into a unique
password. Changing your password ensures that you are the only person
who knows your password. If you forget this password, contact your
Customer Service Representative or call 1-800-267-3610 to receive a new
You will be required to Log In
again as a First Time User to with the temporary password you requested from
the bank to ensure that the password is again changed to a unique password.
You are able to view your financial information
"live". Any electronic items, including ATM or
check card transactions, or
in person transactions will appear immediately by clicking
"Transactions" then select "Current
"Current Business Day" transactions are pending
transactions. Deposits made at oneof
our Baylake Bank Financial Centers, ACH,
and ATM card transactions
make up the majority of these entries.
It is important to note that these transactions reflect certain types of
account activity and, may or may not, be posted to your account at the endof the business day. For example, if you purchase an item from a
merchantusing your check card, a verification
transaction is sent to your accountto see if you
have enough money for the purchase. This verification appearsas a pending transaction until the end of the business day. Another
transaction is sent to your account when the merchant processes the actualpurchase. In some cases, the verification and the actual transaction
willappear as pending transactions on the same day.
Only one of these will postto your account.
Furthermore, merchants are not consistent in the way they send verificationtransactions to your accounts. Some will verify for the exact dollar
amountof the purchase while others will round up to
the nearest dollar or five-dollarincrement. Some
restaurants, for example, will add 15% to the verification amount to cover an
expected tip. This amount is forverification only
and should not be written down in your ledger as the actualtransaction amount.
When you write out checks that are cashed by others
who do not bank with Baylake Bank, the total amount of those checks will appear in a group
as "Memo Posted Debits". As Baylake Bank pays them, they will appear under
your "Current Statement" as individual checks and their corresponding amounts.
Transactions that we receive, but have not been run
through the bank yet, are listed in a group as "Memo Posted
Debits". This is found in the "Current Business Day" section of the
transaction menu. This is the most up-to-the-second balance of your account.
One time transfer. You can rest assured when
you receive a Confirmation Number that your "One Time Transfer"
occurred. We recommend that you print the page with your Confirmation Number on
it. (Write down the Confirmation Number and transfer information if printing is not
possible.) If you have any questions about this transaction, we will need this
Confirmation Number in order to help you.
You will be able to view the transfers by choosing the
"Transactions" button for each of the saving or deposit accounts and looking at
the "Current Business Day". A transfer made from a deposit account will
appear immediately, however the payment made to a loan account or Personal Reserve Account
(PRA) will appear only after the nightly bank processing update.
New Scheduled Transfers. The details
of your transfers that were set up using the "New Scheduled Transfer" button
will appear by choosing the "Transfer" button under the account the transfer
will be coming from.
One time transfers are "real
time" meaning once you submit your transfer request, it affects the balance. To
"undo" the transfer, you have to reverse the transfer. That is, to
"reverse" a transfer you just made of $100.00 from your checking account to your
savings account, you would now need to transfer the same amount of $100.00 from your
savings account back to your checking account. (Note the special rules for savings
account allow for a total of six withdrawals each month without charge by the bank.)
Scheduled transfers are not
"real time", that is, they go into effect during the nightly banking update. So,
if a transfer is scheduled for the current business day, you can still change it before
the update. Turning the scheduled number to zero will cancel any transfer.
View your scheduled transfers to be held in the future on
each account using the "Transfer" button. To modify a transfer, click on
the link to the account you wish to change. It will open the transfer details you
had set up. To cancel the scheduled transfer, change the remaining transfers to
zero, or make other changes you wish. Choose "Update Transfer
Home Equityline account activity is available
through eBanc with the rest of your accounts. If you
cannot view your Home Equityline, contact Loan Accounting at 743-5551 or 1 (800) 267-3610, Monday
- Friday 9:00 a.m. - 4:30 p.m.
to have it added to your eBanc service.
Your password allows you access to the accounts which you are
an owner or signer. If you are not able to view an account which you believe you
should be able to see, contact Baylake Bank's processing department at 743-5551 or 1 (800)
267-3610 for assistance Monday - Friday 9:00 a.m. -
If you are not an owner or signer on an account, you will not
be given access to that account. For example, if your spouse holds an account in his
or her own name, you will not be able to view it in your household accounts.
Can I use eBanc with Quicken®, Quickbooks®
or Microsoft Money®?
You can export your checking and savings account transaction information from eBanc.
First select the account from which you wish to export the information.
From the "Transactions" drop down menu, select
"Export Transactions ".
You will be
able to select the format that your Personal Financial
Management software accepts: Comma Separated File
(.CSV) Intuit Quicken (.QIF)
Microsoft Money (.OFX) Intuit Quickbooks (.IIF)
Intuit Quicken (.QFX) -
for Quicken versions 2005 or later Intuit Quickbooks (.QBO) - for Quickbooks versions 2005 or
you are using your financial software, Quicken® or Microsoft Money®, for example, you can
use their import function to bring in the eBanc information file that was exported.