Online Banking


olb

OLB Access Agreement June 2017

Online Banking with Bill Pay is a user friendly way to conduct your banking business on your schedule, 24 hours a day. It is secure and best of all it is free to Bank of Coushatta customers.

Some conveniences offered with Online Banking:

  • Mobile deposit of checks using our App
  • View Account Balances
  • Transfer funds between bank accounts
  • Pay Bills easily with Billpay
  • View Account Activity including copies of checks cleared
  • View your Statements online, print them when needed

If you do not have a user name yet, stop by the Bank and one of our Customer Service Representatives will get you signed up.

OLB FAQs and Tips

How do I set up my OLB account once I have signed up?

The first time you log in you will have to do it through the website, not the mobile app, go to www.bankofcoushatta.com  You can use your phone, but you must go through the internet and not the mobile app.  Use the “user-id” the bank gave you and the temporary password to login.  Once you’ve done that another window will pop up and you will need to put in your temporary password again and your new password twice.  Continue through the process and the system will authenticate you as a user, it will either call you or text you a 5 digit security code.  Follow the directions to proceed with login.  Once you get through this process and are logged in your account information should show up.

How do I set up my mobile device to use the Bank of Coushatta app?

You can use the mobile app (on your phone or tablet) once you’ve set your permanent password thru the website. It can be downloaded from iTunes or Google Play.  Search either “store” for Bank of Coushatta, once you have installed and opened the app, you will put in your user-id and the password you set through the website.  The system will authenticate and enroll your mobile device by asking you a series of questions.  You must get the answers to these questions correct to get in to the app.  This authentication will only happen the first time, unless your operating system is updated or you change devices or get a new phone.

Two things you cannot do on the mobile app are “change your password” and “manage payees” in bill pay.

What do I do if I get locked out or I get a message stating I’ve failed my logins?

If you lock yourself out of your OLB account you will need to call the bank at 318-932-3491 during regular business hours and have it reset. You will have to know your account number, last four of your SS#, your DOB, your last deposit amount or a recent transaction and the answer to your “secret” question.

The phone numbers the system is offering me for a “One-Time Security Code” aren’t my phone numbers. Why?

After you have already established your permanent password for Bank of Coushatta Mobile Banking and you get a message to go through the process again and the phone numbers that the system gives you are not your phone numbers, you are using the wrong user-id. Keep in mind the system is case sensitive.

How does Bill Pay work?

If you signed up for Bill Pay through Bank of Coushatta there is a 30 day probation period. For the first 30 days the service will send out a paper check to your payee.  This could take up to 7 business days.  Once the 30 day period is up, any payments that can go electronically will go electronically.  When you click on a Payee Hyperlink in bill pay, it will give you options to manage that payee and you will also see a message “Payments usually arrive in XX business days”.

MOBILE DEPOSIT CAPTURE

The Bank of Coushatta has recently added a new service, Mobile Deposit Capture. It gives the customer the ability to deposit most checks without coming to the bank by using their mobile phone. It can only be used with the mobile app.  You cannot deposit a check through on line banking using the internet.

When you log into the mobile app you will be required to accept updated “Terms and Conditions”. You will have to accept the new “T&Cs” to move forward.  This disclosure will only show when the bank make changes to the mobile app and or the agreement.

Once this is done, you can click on the “hamburger” or “pancake” menu in the top left corner of the screen to get a menu of services. “Check Deposit” is a new option.  Click on the option and another, much shorter, disclosure will be displayed.  You will have to read and accept this disclosure to be able to move forward.  This disclosure will be displayed and will have to be accepted every time you make a mobile deposit.  Following is the disclosure:

All checks must be properly endorsed with your signature and the phrase “FOR MOBILE DEPOSIT ONLY” written on the back of each check. All checks for deposit must be payable to you as the account owner(s) only. Any deposit received after 3:00 p.m.  CST, Monday – Friday (except holidays) will be processed the next business day.  Some deposits may not be available for immediate withdrawal. 

All Mobile Check Deposits are subject to our verification and final review and may be rejected by us for any reason.  Your deposit is not approved until you have received an approved email notification from us.  Please make sure your email address on file stays current with the Bank of Coushatta. 

Items that have been confirmed as received and approved for deposit to your account should be destroyed in a timely manner that should not exceed 30 days from the time of deposit. You agree to properly dispose of the item to ensure it is not represented for payment.   All deposits are subject to the guidelines set forth in the current Mobile banking end user agreement and Electronic Banking Access Agreement and Electronic Fund Transfer Act Disclosure.  

For customer assistance please contact us at (318)932-3491 during normal business hours. 

Once you have accepted this disclosure you can move forward with your deposit. Endorse the check according to the disclosure.  Follow the steps and prompts of the app, this will include taking a clear picture of the front and the back of the check.  Once you have completed the process, you will receive an email from the bank stating it has been received and you will receive another email once it is approved.  Please note anything received after 3:00 p.m. Monday through Friday or Holiday will not be reviewed and/or processed until the next business day.

There is a daily item limit of 10 and daily dollar limit of $5,000.00.

 

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