08/18/2003
The term "e-banking" is what I need help with. What is the definition of "e-banking"? Our bank offers on-line banking, however, accounts cannot be opened on line, only transactions. The paperwork is done either in-person or by mail. Is this true "e-banking"?
05/05/2003
The FDIC examiners are here! I am being told that we should disclose to our ATM customers on the ATM screen when their ATM transaction is accessing their overdraft line of credit. I could not find this requirement in any regulation anywhere and they could not give me anymore of an answer than "it would be a good idea." Is this usual or is someone overstepping their authority? We do mail the customer a notice each time they access funds from their overdraft line of credit whether the transaction took place at the ATM, teller line, POS or thru the inclearing.
10/21/2002
We provide e-statements via our web site. We e-mail the member when the statement is available. We have a member that does not want the e-mail notification. Are we required to send notification that the statement is available?
02/11/2002
We are trying to make a checklist of types of disclaimers we should think about using in connection with the Internet. Do you have a list?
02/11/2002
There has been some discussion on BankersOnline.com about doing email marketing and what kind of legal restrictions there might be. Can you comment on this?
02/04/2002
Is there data available as to what percentage of checking account holders opt for internet banking/bill payment ? I'm looking for a benhmark against which to measure my experience.
11/05/2001
Our bank wants to promote online bill pay as a good alternative to using the mail, in the face of delays and uncertainty with the mail these days. How do we do so without appearing exploitative?
07/02/2001
We outsource our Network Technology but I’m not sure if they are doing the right thing to protect our bank from viruses. What can I do to make sure this is done properly?
06/18/2001
05/07/2001
I would appreciate any advice on where to start when developing our information security program.