Q: What do I do if my Debit Card is denied?
A: 1. If running your card as a credit with a signature does not work, have the merchant try running your card as a debit transaction with a pin.
2. If running your card as a debit with a pin does not work, have the merchant try running your card as a credit with a signature.
3. If steps 1 & 2 do not work, have the merchant try hand-keying the card number in with the expiration date [some clerks will not know how to do this].
4. If an ATM is nearby, try using your card to get cash instead of using it as a POS [point of sale] transaction.
5. When you experience these issues notify the bank that provided your debit card [please notify us even if one of the above suggestions solved your problem].
FYI - When Bank of Gravett experiences technical problems your debit card may still work, however, stand-in limits will be in place. Stand in limits are: $300 POS & $100 cash [as opposed to live-balance limits of $1000 POS & $300 cash]
Storms, phone line outages, electrical outages, software updates, and hardware updates can potentially interfere with your debit card working properly. As a matter of good habit, always carry a check or checks for emergencies.
[scheduled software and hardware updates are posted on our website, at our locations, and on your BoGie account page]
Q: Why use online banking?
A: Millions of people worldwide have chosen the convenience, freedom and control of online banking. It’s the kind of service you don’t know you need until you’ve tried it. Among the foremost benefits include 24/7/365 access, which allows you to bank at your convenience, not ours. Also, you can bank from anywhere in the world you have Internet access. Finally, you can transfer funds, pay bills and reconcile accounts with the click of a mouse button. It’s simply a better, smarter, faster way to manage your money and your time.
Q: How do I know that BoGie is secure?
A: BoGie leads the industry with advanced security measures:
1) Secure log-in and user authentication
2) Industry-standard SSL encryption to protect confidential information in transit
3) Secure firewalls to prevent compromise from the Internet
4) Advanced security configuration of Internet servers to provide local as well as remote protection from break-in attempts
5) After 10 minutes of inactivity, BoGie will automatically time out and log you off the system. To continue, you will need to log back in to continue using the system.
Q: Do I have to register to use BoGie?
A: Yes, a one-time application is required; Once this form is received by the bank with account information, we will issue a User ID number and a Passcode. Upon your first visit you will be asked to select a new Passcode of your choice (must be six - eight alphanumeric characters) and that PIN will be used whenever you access BoGie Once set up you may select a unique User ID for your internet account. Do not auto-save your passcode for you own security
Q: How do I access Internet Banking?
A: After we have reviewed and approved your application for BoGie, you simply click on the "Account login", located at www.bankofgravett.net and enter your login ID and passcode.
Q: How frequently is BoGie information updated?
A: Bank of Gravett updates all customer information nightly. Whether you access BoGie, our automated voice response system, or contact us directly, your account information is updated nightly to reflect all account activity. You may make no more than six funds transfers and telephone transfers, including Online Banking Transactions, per month from your savings or money market deposit account.
Q: What accounts will be available or enabled?
A: You will have access to all of your accounts listed on your application. Not all accounts will allow transactions, but you may view all accounts. Bank of Gravett may exclude certain accounts at our discretion. Primary account holders may be the only ID able to access accounts. Unlike online banking with many other financial institutions, there’s no special monthly charge for you to gain access to BoGie There’s no cost to look up account balances and histories. And no cost to make transfers, get direct deposit information, or get tax information.
Q: How much does Online Banking and/or Bill Pay cost?
A: BoGie is FREE when you use it to access account information, balance your checkbook and conduct transactions such as account transfers, etc.
Bill Pay service is available for $4.95 per month for 10 transactions per Statement Cycle, and only $.35 per transaction thereafter. If you elect to participate in the Bill Pay service, your primary checking account will be charged, even if you do not use the service that month.
Note: Accounts with special signing restrictions/requirements will restrict Online Banking capabilities.
Q: After I sign up for Bill Pay what happens?
A: You can pay any bill to anyone in the U.S. from your computer. After you log on to the BoGie, click "Pay Bills" to send payments. Use the menus to choose payee, amount, etc., enter the requested information and click "Submit" to pay bills.
Q: How will the company be paid?
A: Most of the payees on the list receive payments electronically. Otherwise, a paper draft is created and mailed to the recipient. The draft indicates that the payment is on your behalf and to be credited to the account or invoice you indicated when you entered the payee.
Q: How long does it take for the company I am paying to receive the payment?
A: Electronic payments normally take a maximum of three days. Paper drafts can take 5-8 days. Take this into consideration when paying bills to avoid late charges.
Q: My house payment and car payment are the same every month. Is there an easy way to handle these?
A: Yes, the system provides for recurring payments. You tell it the amount, date and frequency and the system will initiate the payments for you based on your instructions.
Q: Can I stop payment on a bill pay transaction?
A: No. After setting up bill pays, immediately go back and review them, if your amount or due date is wrong, you will be able to edit or delete payments at that time.
Q: Can I use bill pay on my business accounts?
A: No. In order to provide the utmost security to our business customers, bill pay features will not be accessible; however, all other functions of BoGie are accessible.
Q: Can I initiate Stop Payments of any kind on my account?
A: No. Because of required signatures and affidavits, you must still contact the bank via phone or in person.
Q: Can I transfer funds from my account?
A: Yes. You may choose to transfer funds to a number of your accounts. You may make loan payments by transferring funds to the loan. You may create one-time transfers that occur now or in the future. You can also create transfers that occur on a weekly, semi-monthly, or monthly basis.
Q: What happens if I lose or forget my ID or Passcode?
A: If you lose/forget your ID or Passcode, you may call Customer Service and with proper verification, your ID or a temporary Passcode will be mailed to you, or you can come in person and, with proper ID, your ID or temporary Passcode can be given to you.
To get started:
Contact a customer service representative to sign up to use this service.
If you have already signed up:
To gain access to the system, please enter the ID and Passcode that you were given when you signed up for this service.
You may also verify the security level the browser is using by clicking Test Browser at the top of the page.
User ID: ID Enter the 12 digit number you were assigned when you signed up for this service. Once you have entered the system successfully, you may create an alias to replace the 12 digit ID. The alias may consist of any combination of letters and numbers and must be between 1 and 12 characters in length. We refer to your altered user ID as a "pseudo name".
Passcode: Enter the Passcode that you were assigned when you signed up for this service. Once you have entered the system successfully, you are required to change your Passcode. Under FDIC regulations, your passcode must be a minimum of 6 alpha-numeric characters.
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