Internet Banking - Frequently Asked Questions

  1. Where do I go to get help?
  2. What is my Internet Banking ID?
  3. What is my Password?
  4. How do I change my Password?
  5. What happens if I type my Password incorrectly?
  6. What do I do if I forget my Password?
  7. How long is my account history maintained?
  8. How do I view my account balances?
  9. Can I view a specific check?
  10. How do I download my banking information?
  11. For what accounts is funds transfer available?
  12. How do I transfer funds between accounts?
  13. How can I make a loan payment?
  14. What types of Internet Browsers can I use to access my accounts online?

1. Where do I go to get help?

For help with Institution for Savings Internet Banking, please call 978-462-3106 or e-mail us at info@institutionforsavings.com.
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2. What is my Internet Banking ID?

Your Internet Banking ID is the number that uniquely identifies you on the Internet Banking system. It is assigned to you when you first enroll. You can also select an Alternate ID or alias, although it is not required. When you log in, you can use either your Internet Banking ID or your Alternate ID.
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3. What is my Password?

Your Password is for use on our Internet Banking and Mobile Banking systems. It is independent from your ATM/Debit PIN. When you first enroll, your Password is typically the last four digits of your Social Security Number: you will then be prompted immediately to change it. Your Password must be 8 - 12 characters long with numbers, letters, and special characters required.
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4. How do I change my Password?

Provided you remember your current Password, you can change it in your Internet Banking session by selecting Options and Change Password.
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5. What happens if I type my Password incorrectly?

If you type your Password or your Internet Banking ID incorrectly three times, you will be locked out of the Internet Banking system. If you have previously set up a Password Self-Reset question and answer on the Options tab in Internet Banking, you can reset your own Password. Otherwise, you will need to call us at 978-462-3106 during regular business hours to unlock your credential. 
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6. What do I do if I forget my Password?

If you forget your Password and you have previously set up a Password Self-Reset question and answer on the Options tab in Internet Banking, click on the "Forgot Password?" link located below the Internet Banking Login button. Otherwise, please contact us at 978-462-3106. For your protection, we are unable to provide your Password to you over the phone, but once we verify your identity, we will send an email to you with log in instructions. When you log into Internet Banking after a Password reset, you will be prompted to change your Password.
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7. How long is my account history maintained?

You can access at least three months of historical information for each of your accounts online at any time.
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8. How do I view my account balances?

After logging in, select Account Listing if not defaulted to this location. There are a number of options to choose from. 
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9. Can I view a specific check?

To view a check, log into Internet Banking, select Current Transactions and the account for which you wish to obtain the check, then click on the check number or View Image.
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10. How do I download my banking information?

We offer two methods for customers to export their account histories. The first method is to choose Current Transactions and select the Download Transactions tab. This information is then uploaded into the particular financial management software. The second method we offer is Direct Connect which allows for your Personal Finance Manager, Quicken™ and Quickbooks™ to contact the bank directly and import the information automatically. You must enable your accounts for Online Services within your Quicken™ or Quickbooks™ program.
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11. For what accounts is funds transfer available?

You can transfer funds between your Institution for Savings checking, savings, and money market accounts. 
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12. How do I transfer funds between accounts?

Select Transfers from the drop-down next to your account on the Account Listing page. Specify the To and From accounts, as well as the amount, and click submit. Transfers entered after 7:00 pm Eastern Standard Time will be processed on the next business day. Transfers that are scheduled to be processed on a weekend or holiday will be completed on the prior business day. You can also enroll in Bank to Bank Transfers and move money between your deposit accounts at the Institution for Savings and your deposit accounts at other financial institutions. Select Bank to Bank Transfers from the top navigation on the Account Listing page. Bank to Bank Transfers entered after 3:00 pm Eastern Standard Time will be processed on the next business day. Bank to Bank Transfers that are scheduled to be processed on a weekend or holiday will be completed on the following business day. There is no charge for incoming Bank to Bank Transfers and a $3.00 charge for outgoing Bank to Bank Transfers.
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13. How can I make a loan payment?

Loan payments can be made through the Bill Pay system, but are most efficiently handled by transferring money from a checking or savings account into the loan account as you would with any other transfer.
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14. What types of Internet Browsers can I use to access my accounts online?

You may experience issues with Internet Banking or be denied access to the system if one of the following supported browsers are not used. Internet Browsers can include the current and previous versions of Microsoft Internet Explorer and Firefox, the current version of Safari, and Google Chrome.
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