Frequently Asked Questions
Q: What is Mobile Banking?A:
Mobile Banking is a secure and convenient way to access your Bank of Canton accounts using your smartphone or tablet. Mobile Banking allows you to make deposits, check balances, transfer funds, pay bills and more – all from the palm of your hand.
Q: Does it cost anything to use Mobile Banking?A:
Mobile Banking is available for free. Only your mobile carrier’s messaging and data rates would apply.
Q: How do I enroll in Mobile Banking?A:
If you’re new to Mobile Banking and Online Banking, you can enroll in both services at once:
- On your smartphone or tablet, download our Mobile Banking app from the App Store (for Apple iOS devices) or Google Play (for Android devices). Open the app. Tap “Enroll Now.” Complete the verification and security questions, agree to the terms, and pick your username, password & challenge questions. That’s it – you’re ready to bank!
If you’ve already enrolled in Online Banking and just want to add Mobile Banking, it’s even easier:
- On your smartphone or tablet, download our Mobile Banking app from the App Store (for Apple iOS devices) or Google Play (for Android devices). Open the app. Log into the app with your Online Banking username and password. Correctly answer your Online Banking challenge question(s) to verify your identity, and you’ll be enrolled in Mobile Banking too!
Q: Can I access all of my Bank of Canton accounts in Mobile Banking?A:
Yes, you can access your checking and savings accounts, and view your CD and passbook balances.
Q: Can I deposit checks?A:
Yes, you can deposit checks, up to $3,000 per day (if you require an adjustment to that amount, please contact us at 888-828-1690). It’s simple: in the app, you tap the Deposits tab, choose “New Deposit,” and follow the four easy steps to complete your deposit. You’ll snap a picture of the front and back of your check (endorsed with your name, followed by “for deposit only” and your account number) and confirm the amount. That’s it!
Q: Are checks deposited through Mobile Deposit available right away?A:
No, the same hold time applies as if they were deposited in a branch.
Q: What do I do with the paper checks I deposit using Mobile Deposit?A:
Write a note on the check that it was deposited via Mobile Deposit and the date (as a reminder). Keep the check for 14 days, then dispose of it securely.
Q: What is Online Banking?A:
Online Banking is a convenient way to manage your money from any personal computer with an Internet connection. You can check balances, transfer money between accounts, set or adjust real-time alerts, pay bills, and more.
Q: Is there a fee to use Online Banking?A:
No. Online Banking is free.
Q: Can I access all of my Bank of Canton accounts online?A:
You can access all of your deposit accounts including checking, statement savings and money markets, as well as view a summary of your personal loans, lines of credit, CDs and passbooks.
Q: How secure is Online Banking?A:
Safeguarding your information is our highest priority. We use the highest level of security available, including 128-bit data encryption that protects all information sent between your web browser and our Online Banking server. You can easily verify this site’s identity and security by looking for the green website address bar when logging into your Online Banking account. Your accounts will continue to be protected through advanced device forensics that seamlessly authenticate your computer and devices.
You can help ensure the security of your banking information by protecting your Online Banking username and password, just as you would an ATM/Debit card PIN. Never write down your login information, and always be sure to log off after completing each Online Banking session.
Q: What are the software and hardware requirements?A:
No software is needed to use Online Banking. All you need is a computer that can access the Internet through a secure browser.
Q: How do I enroll in Online Banking?A:
There are two fast & easy ways to enroll. You can use an Internet browser like Safari, Chrome, Edge or Firefox from a computer or tablet (or even a mobile phone). Or, you can download and use Bank of Canton’s Mobile Banking app, which enrolls you in both Online Banking and Mobile Banking at the same time. See below for details on both methods.
- Using an Internet browser – From the Bank of Canton website homepage, click or tap the Login button/link in the top right corner, and click or tap “Enroll.” Or, from the Online Banking Login screen, click or tap “Enroll Now.”
- Using our Mobile Banking app – On your smartphone or tablet, download our Mobile Banking app from the App Store (for Apple iOS devices) or Google Play (for Android devices). Open the app. Tap “Enroll Now.” Complete the verification and security questions, agree to the terms, and pick your username, password & challenge questions.
That’s it – you’re ready to bank online! If you get stuck, call 888-828-1690 and we’ll be happy to help you.
Q: What is the difference between Available Balance and Current Balance in Online Banking?A:
Available Balance is the balance available for immediate use. Your available balance may differ from your current balance because it includes transactions that have not yet settled. Current Balance is the balance of the account before pending transactions settle.
Q: What is Apple Pay?A:
Apple Pay is a contactless payment technology that lets you make secure purchases with your Bank of Canton debit and credit cards in stores, in apps, and online, using just your iPhone® or compatible Apple® device.
Q: How does Apple Pay work?A:
First, you enter your Bank of Canton debit and/or credit card details into your digital Wallet app. Once we’ve authorized the card, you can then use Apple Pay to make electronic payments from your Bank of Canton account wherever Apple Pay is accepted.
Q: What makes Apple Pay so secure?A:
When you pay with Apple Pay, your card details aren’t shared with the merchant. Instead, they’re replaced with a unique Device Account Number & your Touch ID or passcode. Apple doesn’t retain your card info on its servers or on your device, so your payments and payment history remain secure and private.
Q: Where can I pay with Apple Pay?A:
Apple Pay can be used wherever contactless payment are accepted. If you’re not sure if a merchant accepts Apple Pay, just ask.
Q: How do I use Apple Pay in stores?A:
iPhone: Hold your iPhone within range of the contactless payment reader at checkout. Your default payment card appears on the screen.
- If your Bank of Canton card is your default card, put your finger on the Touch ID® to pay.
- If your Bank of Canton card is not your default card, tap your cards and switch to your Bank of Canton card. Then put your finger on the Touch ID to pay.
The display will show a checkmark and the word “Done” once the transaction is complete.
Apple Watch®: Double-click the side button to make your default card appear. Swipe left or right to change cards. Once your Bank of Canton card is showing, hold it 1″ from the reader, and you’ll feel a small vibration once the transaction is complete.
- If you’re asked whether you’re using credit or debit, choose Credit.
- If you’re asked to provide the last four digits of your card, use the last four digits of your Device Account Number instead.
Q: Which devices are compatible with Apple Pay?A:
Visit Apple’s website for the current list of Apple Pay -compatible devices.
Q: How do I get started?A:
Start by adding your Bank of Canton cards to your Wallet app. Once they’re authenticated, you’re ready to go. Learn more on Apple’s About Apple Pay webpage.
Q: What is Samsung Pay?A:
Samsung Pay is a convenient and secure way to pay with your Bank of Canton debit and credit cards using a compatible Samsung mobile device. Samsung Pay works almost anywhere, at both contactless (NFC) payment terminals and traditional magnetic stripe “swipe” terminals.
Q: How does Samsung Pay work?A:
Samsung Pay enables you to make purchases with a compatible Samsung device at both contactless (NFC) and magnetic stripe checkout terminals. Once you’ve entered your Bank of Canton card(s) into Samsung Pay (the app provides step-by-step instructions), you can then launch and use the app at checkout to make electronic payments with your Bank of Canton debit or credit card.
Q: Is Samsung Pay secure?A:
Yes. Your Bank of Canton card number is never transmitted by your Samsung device during the transaction; rather, it is replaced by a randomized set of numbers unique to each transaction (a process referred to as “tokenization”) for enhanced security and protection. Plus, every transaction is authenticated by your fingerprint, iris scan, or Samsung Pay PIN. Samsung does not store or share any payment information.
Q: Where can I use Samsung Pay?A:
Samsung Pay can be used in apps and in stores, at both contactless NFC payment terminals as well as traditional magnetic stripe “swipe” terminals.
Q: How do I use Samsung Pay in stores?A:
Swipe up from the bottom of your screen to launch Samsung Pay, and select your Bank of Canton card. Authenticate the transaction by using your fingerprint or Samsung Pay PIN, and once the device is ready, hold it near the payment terminal. A gentle vibration will confirm the payment has been made.
- If you’re asked whether you’re using credit or debit, choose Credit.
- If you’re asked to provide the last four digits of your card, use the last four digits of your virtual card instead (look for “Last 4 digits for cashier” next to your card image).
You may be asked to enter your PIN for debit transactions or sign a receipt for credit transactions.
Q: Which devices are compatible with Samsung Pay?A:
Visit Samsung’s website for the current list of Samsung Pay -compatible devices.
Q: How do I get started?A:
Start by adding your Bank of Canton debit and/or credit card to the Samsung Pay app (you can quickly scan your card using your device’s camera). Once we authorize your card, you’re ready to go. Learn more about Samsung Pay on Samsung’s website.
Q: What is CardValet?A:
CardValet is a free service that lets you control the security settings on your Bank of Canton debit card. You can customize usage restrictions, manage and monitor transaction activity, and receive instant notifications whenever your card is used.
Q: What do I need to use CardValet?A:
All you need is a Bank of Canton debit card and the Bank of Canton mobile app on your smartphone. Just tap “Manage my cards” in Bank of Canton’s mobile app to access CardValet’s basic security features.
You can also download the separate CardValet app to access additional security and alert features with Touch ID convenience. The CardValet app will generally support the current and two prior operating systems for Apple iOS and Android devices. Once you register your Bank of Canton card in the CardValet app, you can begin customizing your card’s security settings and alerts. The CardValet app works with both personal and business debit cards.
Q: Is there a fee to use the separate CardValet app?A:
No. Downloading and using the CardValet app is free. Only your mobile carrier’s data rates may apply.
Q: Where do I download the CardValet app?A:
Q: How do I register my debit card with CardValet?A:
Q: How do I use CardValet?A:
You can begin using it immediately. Practice by turning your card off and on (a/k/a “Block Card”). When your card is off, or blocked, all transactions (except for recurring) will be declined. In the CardValet app, the little green button in the top right corner of the card image will turn to red. In Bank of Canton’s mobile app, the card image darkens beneath the words “Temporarily Blocked.” Turn the card back on, and the former image returns. It’s that easy to turn your card off and on. Now you have the ultimate control to combat fraud.
After you become comfortable with the on/off function, you can start selectively setting limits by transaction amount, geographic location, and merchant category.
In the CardValet app, you can also set controls by transaction type (in-store, online, mail/phone or ATM), as well as view recent transactions, establish real-time alerts, and more. Tap the “i” information icons throughout the CardValet app for more information about the app’s features and settings.
Q: Does CardValet control all the security settings on my card?A:
The features of CardValet add another layer of security on top of the bank’s ongoing fraud monitoring service. In cases where the settings of the bank’s fraud monitoring service and CardValet differ, the more restrictive setting will take precedence. This means that certain transactions outside your geography may still be declined even if your CardValet settings do not prohibit them. Please continue to contact us before traveling, so that we may adjust the master geographic usage restrictions on your debit card.
Q: I received a new card number. Will it be automatically updated in the CardValet app?A:
You will have to add the new account to the Card Valet app. This can be done by going to Manage Portfolio and adding the card. Be sure to “unmanage” the old card.
Q: Who do I contact with questions about CardValet?A:
Call 888-828-1690 or send us a secure message, and we’ll be happy to assist you.
Q: What is Bill Pay?A:
Bill Pay is a free feature of Mobile Banking and Online Banking that lets you pay your bills or send money to other people electronically. With Bill Pay, you also have access to our peer-to-peer (P2P) payment service, Popmoney.
Q: How does Bill Pay work?A:
It’s simple. First, enter basic information about the payee (name, address, etc.). Then, when you want to pay them, just select them from your list of payees, enter the amount you want to pay & when you want to pay them, and submit it. That’s it – you’re done! We’ll send your payment electronically, if possible, or we’ll print and mail a physical check if your payee isn’t set up to receive electronic payments.
Q: Who can I pay using Bill Pay?A:
Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.
Q: Is it secure?A:
Yes. Bill Pay uses SSL encryption which ensures that your connection and information are secure.
Q: What else can I do with Bill Pay?A:
With Bill Pay, you can also schedule future payments, establish recurring automatic payments, receive bills electronically, and more.
Q: How do I enroll in Bill Pay?A:
It’s easy to get started with Bill Pay. Once you’ve enrolled in Mobile Banking or Online Banking, log into your account, click the “Payments” link, and follow the enrollment steps for Bill Pay.
Q: What is Popmoney?A:
The Popmoney peer-to-peer (P2P) payment service lets you send money to friends, family or almost anyone. All you need is their name and their email address or mobile phone number to move money from your bank account to theirs. You and your contacts will never need to exchange account information.
Q: How does Popmoney work?A:
Popmoney allows you to send and receive money using Mobile Banking and Online Banking. You can send money to anyone – they don’t need to have a Popmoney account.
When you send money to someone using Popmoney, they’ll receive an email or text that says you’d like to deposit money into their account. If they’ve used Popmoney before, they probably won’t need to do anything to receive your payment. If they’re new to Popmoney, they’ll be prompted to visit Popmoney.com and enter their bank account information there.
The money will then be in their account in as little as one to three business days. No need for cash, paper checks or I.O.U.s.
Q: What can I use Popmoney for?A:
You can use Popmoney to:
- Send money to your child at college
- Send a gift to family and friends
- Pay back friends for a fun outing
- Pay your babysitter or lawn care service
- Pay rent to your landlord or roommates
Q: Is Popmoney free?A:
There is no fee to use Popmoney’s standard P2P delivery service through Bank of Canton’s Mobile Banking or Online Banking services, and recipients can pick up money at Popmoney.com for free. Fees may apply for rush delivery service, or payments made at Popmoney.com.
Q: Are Popmoney payments secure?A:
Yes. Users must provide verification codes to Popmoney to authenticate ownership of their mobile number or email address before payments can be deposited.
Q: How do I sign up for Popmoney?A:
Customers enrolled in Mobile Banking and/or Online Banking who’ve also enrolled in Bill Pay have access to Popmoney.
Q: Where can I learn more about Popmoney?A:
Tools & Support
- To report a lost or stolen debit card, call 800-472-3272
- To report a lost or stolen credit card, call 800-325-3678
- For Bill Pay support, call 855-841-5404
Reset Online Banking Password
Click the “Forgot Password?” link on the Online Banking login screen to reset your password. If you are locked out of your account, call us at 888-828-1690 during business hours and we will unlock it for you.
You can access your eStatements in Online Banking by clicking/tapping on any account on your home screen, and using the Documents link on the next screen.
Make a Payment
Make a payment on your Bank of Canton credit card, mortgage, home equity loan or line of credit, or other loan using the links below.
Our suite of financial calculators can help you compare borrowing options, determine payment amounts and schedules, and much more.
Our personal bankers will be happy to place a check order for you – just contact us.
Debit Card Replacement
For your security, please complete & sign our Debit Card Reissue form, and return to us by mail or drop it off at your nearest branch.
Bank of Canton’s routing number is 211373102.
Moving & Travel Notifications
Please complete and sign our Change of Address Notification form, and return to us by mail or drop it off at your nearest branch.
To avoid service interruptions with your debit card, please complete, sign and return our Travel Notification form.
Personal Financial Statements
Commercial credit applicants can download our Personal Financial Statement form, if requested by a commercial lender, to submit with their loan package.
Card Updater Services
Bank of Canton participates in MasterCard® and Visa card updater services. Learn more about these services and your option to opt out on our Card Updater Services page.
Disclosures and Terms & Conditions
Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are a trademarks of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. See http://www.samsung.com/pay/ for details.