Frequently Asked Questions

Do I have to have an account with Morgantown Bank & Trust to use Internet Banking?
Yes, you can open an account at any of our branch locations.

What use is there for online banking?
The use is unlimited when it comes to online banking. You can pay bills, order checks, transfer money among your accounts, view your balance, change your address and so much more. Check out the rest of our site to see the possibilities first hand.

Who can use online banking?
Anyone who has a checking or savings account can bank online. All you need is a computer and an internet service provider (ISP); also a Web browser 3.0 or higher is required.

When can I use online banking?
You can make transactions 24 hours a day, 7 days a week.*
*Note: Any day the bank is closed, transactions will not be processed until the next day we are open.

How safe is my money when making online transactions?
Here at Morgantown Bank & Trust we have taken all precautions to protect our customers and the bank. We have placed together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Socket Layers (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
We use three strikes you're out method. Anyone entering a wrong password three times will be locked out of any account information. This protects your information if anyone is trying to gain access to your account by guessing at your ID or password. If you have been locked out, you must contact the bank to be reset.

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Socket Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted (scrambled) and can only be decrypted (unscrambled) with the public and private key pair. In short, the bank's server issued a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Requests must filter through a router and firewall before they are permitted to reach the server. A router (a piece of hardware) works in conjunction with the firewall (a piece of software) to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.

How do I enroll?
Click on the enroll button. Please fill out the form and click on submit. You must have a checking or savings account with Morgantown Bank & Trust to enroll. In several days you will receive a password and Login ID. Once you get this information, you can Login and access your account information. You will be forced to change your password the first time you log in. We suggest using numerical and alphabetical combinations for your password. Also change it often to ensure added protection. Protect your password and do not write it down and put it near your computer.

Why can't I pull up your website?
You must have a browser 3.0 or higher. If you're having trouble connecting or it is slow, it could be that your service provider is experiencing high traffic volume at that time.

How do I update my browser?
To update your browser you first need to get online and go to Netscape.com or Microsoft.com for Internet Explorer, whichever you use. You have to upgrade by downloading the next version. It should be 4.0, once finished, download the 5.0 version. This should allow your computer to run faster and handle the encryption levels that are used on our web page. This is the only free way to upgrade your browser.

Can I open an account online?
No, you must come in person to any of our convenient locations to open an account.

How do I check my balance?
Once you are on our site, Login to gain access to your account. Click on the balance button under your web browser bar. There it will give you a list of all the accounts you have with us. Choose which account you want to view. By hitting the snapshot button you can see in detail all transactions that have been processed.

Can I transfer my account information to MSMoney or Quicken software?
Yes, our service provides you a quick transfer of account information without having to enter it in manually. Access your account, click on the history button then the export history button. Choose your form of software, click on the account and the dates of the information you wish to transfer. Click submit and follow the instructions given. All the information chosen will go directly into your software for use.

How can I balance my checkbook online?
By using the snapshot on any account you can see in detail the transactions processed. You can also go under history then the reconcile button. Choose the dates you wish to reconcile and correct any wrong information in your book.

What if I have made a transaction and want to know the amount, date, or check number?
Under history there is a search button. You can find any transaction by amount, date written, or check number. First choose the account where the transaction took place. Place the information you do know and click submit. The next page will provide you the information you need.

Can I transfer money from one account to another?
Yes, next to the History icon there is a transfer button. Click on it, then choose the account you wish the funds to be transferred from and to. Next hit submit, your request will be sent and processed at the bank.

How can I pay a bill online?
Click on the Bill Pay icon. Make sure your payee has been added to the list. (To add and modify payees click on that button and follow the instructions.) Enter the transaction info and click submit.

Where can I: Change my address, reorder checks, make Stop Payment Requests, and order Savings Bonds?
You can do any of these under Other Services button. When you reorder checks it will only order your current style of checks. To change styles you must visit any of our branch locations. To stop a payment on a check, fill out the online form and click Submit. This is considered an oral contract and is binding for only 14 days. You must print the form, sign it and mail it in or stop by any of our branch locations to stop the payment that is binding for six months. There is an additional charge for a stop payment request.

Why is my bill paid late and I have a fee?
It takes 5-7 days to send out the bill payment by paper (check). It takes 3-5 days electronically. The list shows if the payment is electronic. Make sure you send out all payments 7 days before due to ensure timely arrival and prevent late fees.