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You will need a connection to the Internet and a Web Browser that supports 128-bit SSL encryption. Netscape Navigator 5.5 (or higher) or Microsoft Explorer 5.0 (or higher) both support this type of encryption.

You can download the latest browser software at the following sites:

Microsoft Internet Explorer
Netscape Navigator

There may be several reasons why you are experiencing difficulty logging into your Online Banking session.  If you correctly complete the ID and PIN fields and click 'submit' and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete one of the following two options:

• At the bottom right hand corner of your screen there should be a little red circle with a minus sign inside. Double-click on this icon and a 'Privacy Report' window should appear. On the Privacy Report, highlight the site address in the text area by clicking on it, and then click 'Summary'. When the Privacy Policy window pops up, check the box at the bottom that states 'Always allow this site to use cookies'. Click 'OK' and close out of the Privacy Report.
• If this does not seem to clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose 'Tools', then 'Internet Options'. On the Internet Options window, click on the tab labeled 'Privacy'. On the Privacy window, there will be a section titled 'Settings', and there will be a slider on the left-hand side. Move the slider all the way down, until it says 'Accept All Cookies'. Click 'OK' and close out.

There are several things you can do to protect your ID and PIN.

• Do not use an obvious number or other accessible information for your Online Banking ID or PIN.
• Ensure that no one is watching when you enter your Online Banking ID and PIN
• Try to memorize your Online Banking ID and PIN, rather than writing them down.
• If you record your Online Banking ID and PIN, store the document in a secure place.
• Do not share your Online Banking ID and PIN with others.
• Report any unusual account activity immediately.
• Do not give your information to anyone requesting it over the phone unless you have initiated the call.
• Always log out of the system when you have finished your session.

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All Online Bill Payments are processed twice a day, Monday through Friday at 2:00 a.m. (CST) and 12:00 noon (CST). Payments entered after 2:00 a.m. (CST) and before the 12:00 noon processing will be processed the same day. Check payments entered after 12:00 noon will be processed on the next business day.

All scheduled payments that fall on a weekend or holiday will be paid on the Friday BEFORE the weekend, or on the last working day BEFORE the holiday.  Always allow 3-5 business days for electronic payments, 5-10 days for payments made by check.
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Yes. The memo field text will be printed on payments remitted by check. The account number that you entered when you added the payee to your Personal Payee List is also printed on the check. This allows the payee to know which account to apply the payment to.
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You can pay almost ANYONE in the United States. The next door neighbor, the utility company, the bank, and even a child in college. If the person or company you wish to pay is not on our Bill Pay electronic payee list, payment will be sent as a check.
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Yes. You cannot use Bill Payment to pay any government agency.
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You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
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No. In order to change a payee address, you will have to set up a new payee with the correct address and delete the entry with the incorrect address.
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Yes. You can set up recurring payments in the following frequencies:

• Weekly
• Bi-Weekly
• Semi-Monthly
• Monthly
• Quarterly
• Semi-Annually
• Annually

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Yes. After a check is printed and mailed, payment history will show the check number for that payment. A stop payment would be added in the same manner as for a regular check written out of your checkbook. A charge may apply if a payment is stopped.

However, once an electronic payment has been submitted, it will be processed and cannot be stopped. It then becomes your responsibility to contact your payee for a refund, or to ask the bank to submit a claim on your behalf.
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Yes, as long as you have a checking account with our bank.
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Yes. Just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow you to schedule payments in the future or for the current date. If a monthly recurring payment is set up to be paid on the 15 th and the current date is November 5 th , a payment will be scheduled for the month of November and the 15 th of every future month until the end date is reached. However, if the payment is set up to be paid on the 15 th and the current date is November 16, the first payment will occur on December 15th.
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You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.
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Payments made by check should be scheduled five (5) business days in advance of when you want the payment to actually be paid. Payments made by electronic payment should be scheduled no later than three (3) business days in advance of when you want the payment to actually be paid.
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You may add, edit, or delete a payment up to 2:00 a.m. (CST) for the first processing, and up to 12:00 noon (CST) for the second processing, on the day the payment is sent.
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Payment history for active and deleted payees is retained and viewable indefinitely. 
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There is no limit to the number of payees that you may set up.
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Electronic payments are validated against your account balance prior to processing, and check payments settle against your account like any other check; therefore, there is no dollar limitation on payments made through the Online Bill Payment system. You are limited only by the amount of available funds in your account.
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Status Value: Payment Pending

Definition: The payment has been processed, but not yet sent.

Status Value: Payment Processed

Definition: The payment has been processed and sent.

Status Value: Hold

Definition: The payment has a research request on it and has not been processed.

Status Value: Stopped

Definition: You have requested the payment to be stopped. It cannot be processed again.
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Bills do not get paid on holidays or weekends. Scheduled payments that fall over a weekend will be processed on Friday evening prior to the weekend. Holiday processing is done on the last working day BEFORE the holiday.
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For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, if the payment is sent before 12:00 noon (CST). Electronic payments submitted after 12:00 noon (CST) are debited the next business day during bill pay processing. CHECK payment funds are debited from your account when the check clears the account, (just as if you had written your own personal check).
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CHECK payments made by check are treated just like any other check you write. Should the item be returned, a hold may be placed on your bill payment service.

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, your account will be debited for the payment at the time of processing. If funds are unavailable at the 2:00 a.m. (CST) processing, the system will try to withdraw funds again at the 12:00 noon (CST) processing. If an insufficient funds condition still exists at that time, you will receive a message letting you know that the payment could not be processed due to insufficient funds. The payment will continue to be attempted until either you have deposited funds to allow the payment to go through, or until you delete the payment.
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Call VisionBank, we are open Downtown 8 a.m. - 5:30 p.m. (785)-357-4669 and Brookwood 8 a.m. - 6 p.m. (785)-271-4444.
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At this time there is not a separate ID and PIN for Bill Pay. If you lose or forget your ID or Pin for Online Banking, you may call us, and with proper identification, your ID or a temporary PIN will be given to you.
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