Northwest Georgia Bank

Online Banking FAQ

A: After your Northwest Georgia Bank checking application has been approved, simply click on the Personal Online Banking button on any of our Web pages. When using Online Banking for the first time, click "For First Time Users, Click Here to Register".

Q: How frequently is my Northwest Georgia Bank information updated?

A: Northwest Georgia Bank updates all customer information nightly. Whether you access Online Banking, our Direct Link phone system, or contact us directly, your account information is updated nightly to reflect all account activity.

Q: Can I look at all of my transactions at any time?

A: Yes, with Online Banking and our Direct Link phone system, you have access to your account information 24 hours a day, 7 days a week!

Q: How do I update a payee's account number?

A: To update a payee's account number, click Payee List from your navigation links to display your list of payees. Find the payee for which you want to change the account number, and click its name. Within the Payee information section, click the Change Information link to display the Edit Payee page. Enter the new account number and click Save changes. Please note that some account numbers are provided to us directly from your payee to ensure accurate and timely electronic transactions. You cannot edit these account numbers. If you need to change one of these account numbers, please contact us by clicking on the Contact Us link.

Q: How do I update a payee's remittance address?

A: To update a payee's address, from your navigation links click Payee List to display your list of payees. Find the payee for which you want to change the address and click its name to display the Payee Details page. Within the Payee information section, click the Change information link to display the Edit Payee page. Enter the new address and click Save changes. Please note that some addresses are provided to us directly from your payee to ensure the proper processing of payments. You cannot edit these addresses. If you need to change one of these addresses, please contact us by clicking on the Contact Us link.

Q: How do I add a payee?

A: To add a new payee to your account, click the Add Payee link under the Payees main navigation button. The Add Payee page will appear with instructions for adding the payee.

Q: When will the payment I authorized be debited from my account?

A: While the exact time of the debit may vary due to when the payment is scheduled, please make sure that you have adequate funds in your account to cover those payments. This will ensure that your payment is processed properly and not subject to insufficient fund fees.

Since check payments may clear your account up to 4 business days before the deliver-by date, your account must adequately funded at that time; for electronic fund transfers your account must be funded at least 2 business days before the deliver-by date.

Q: What is the billing address of your processing center?

A: When you enrolled, you were assigned a unique address at our state-of-the-art processing center in Sioux Falls, SD.

For Total Bill Management scanned bills, this is your billing address. Some merchants ask for a billing address to confirm credit card purchases made by telephone or over the Internet. In addition, your payees may reference this address when verifying your account or identity with them.

For bills we retrieve from your biller's website and bills you receive at home, your billing address will not change.

Q: How can I have a bill sent to you?

A: If you have already set up the payee, to begin online delivery of a bill from your navigation links click Payee List. From your list of payees, click the name of the corresponding payee. The Payee Details page appears. Within the Online bill information, click the Receive a bill online link. The Edit Payee page appears. Make your change and click Save changes. You should begin receiving your bill online within one to two billing cycles. To expedite the process, you may want to contact your payee directly and request that they update your billing address.

If you have not yet set up this payee, from your navigation links click Add payee. During the setup process, you will be asked if you want to receive the bill online.

Q: How can I end online delivery of a bill and resume receiving my paper bill at home?

A: To stop online delivery of a bill, from your navigation links, click Payee list. From your list of payees, click the name of the corresponding payee. Within the Payee section, click the Stop Receiving Bills Online link within "Online Bill Information" display to change information. You will receive a confirmation message from the system and must click Submit to complete the deactivation of the e-bill.

For payees where we retrieve bills from your biller's website, this process will simply end online delivery of your bill. If you have requested that your payee stop sending the paper bill to your home, you should contact your payee directly to resume receiving a paper bill.