• About Internet Banking
• About Secure Sign-In
• About Using Internet Banking
• About Bill Payment
• About Using the Internet
• About Microsoft Money®
• For More Help

About Internet Banking

What is Internet Banking?

Internet Banking is a free service designed to help you easily manage your accounts. It uses the technology of the Internet and allows you to view your account information, transfer money between your accounts, pay your credit accounts, and perform other self-service tasks. Combined with the optional Bill Payment service, Internet Banking makes it easy to manage all aspects of your financial well being. Click here to learn more about Bill Pay.

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How easy is it to use?

You do not have to know a lot about computers to be able to use Internet Banking, nor do you have to be at home to take care of your banking needs. For basic banking services, it is as easy as a click of your mouse. Using the Bill Pay service makes paying bills as simple as setting a date and an amount.

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What do I need to use it?

All you need to use Internet Banking is a Waccamaw Bank ATM card or Waccamaw Visa® Check Card, an Internet connection, and a current version of a web browser. We recommend you use at least version 5.x of Internet Explorer or version 4.5 of Netscape Communicator.

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How do I sign up?

You will need to visit your local Waccamaw Bank branch to sign up for Internet Banking.

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Is the password case sensitive?

Yes. If you type your new password in all lower case letters, you will need to always type your password in lower case. Be careful of the CAPS LOCK key under the TAB key. It is a very easy and common mistake to press the CAPS LOCK key and then quickly lock yourself out of Internet Banking.

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Can joint account holders sign up?

Each account holder must have a Waccamaw Bank ATM card or Waccamaw Visa Check Card. If they do, then each person may sign up for access. Since the Bill Pay service is associated with an individual, a joint account may not be shared as the Bill Pay account.

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Is there any cost?

Internet banking is free when you use it to perform basic functions such as: accessing your account information, transferring funds, or other self service tasks. Optional Bill Payment is $5.00 per month and includes fifteen bill payments at no additional cost. *Regal customers have unlimited bill payment service at no charge as long as they make at least one bill payment per statement cycle. If no bill payments are processed during a statement cycle, the *Regal customer is charged $5.00.

*Regal = Customers who have a Regal, Golden Regal, Regal Advantage or Regal Business account.

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After I sign up, when can I start using it?

You will have access to Internet Banking within two to five business days after you sign up and may begin using it then. Your welcome letter will contain very brief instructions and should arrive within five to seven days after sign up. Please contact us at 1-888-474-8030, if you do not promptly receive the welcome letter.

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How do I login to Internet Banking the first time?

To access Internet Banking, you will need to know your Customer ID and Password. This information is provided to you when you sign up, and in the welcome letter you receive. The welcome letter gives instructions on how to connect to Internet Banking for the first time.

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May I change my Customer ID to something other than my ATM / Debit Card or NET number with which my Internet Service was opened?

Yes, you may change your Customer ID to another code rather than your ATM/Debit Card or NET number. Simply log in to our Internet Banking screen, choose "preferences", "change ID". It will bring you to a prompt screen and you can change your Customer ID. It must be between 6 and 14 characters, it can't be repeating characters, such as all Xs, and it is not case sensitive.

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What accounts can I manage with Internet Banking?

Personal Internet Banking customers will be able to view all of their personal accounts with Internet Banking. Small Business Internet Banking customers will be able to view all of their accounts under the tax identification number assigned to the business.

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Can I transfer money to my Your Bank credit card? To my consumer loan?

Yes. You can make transfers from any of your checking, savings, or money market accounts to your Waccamaw Bank consumer loans and lines of credit. A transfer to a credit account will post to your accounts as a payment by the next business day.

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Can I transfer money to my savings accounts? To my Checking accounts?

Yes. You can make transfers from your checking, savings, or money market accounts to your savings and checking accounts. Transfers can be set up as immediate, future dated, or recurring. A transfer to savings and checking accounts is immediate, but will post to your accounts by the next business day.

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Can I view check images with Internet Banking?

Yes. You will be able to view the front image of your check with Internet Banking. Simply click on your account name (from the Account tab or the homepage), then click on the check number to view the image.

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