SYSTEM REQUIREMENTS

MINIMUM REQUIREMENTS:

To access online banking you will need a PC and secure Internet browser.

To access online bill payment, you will need a KNBT Checking Account from which KNBT will automatically charge any monthly service fees, if applicable.

Note: KNBT is not responsible or liable for the performance or operation of the equipment, hardware, software, Internet provider, Internet browser, or any part of them. We are not responsible for any error or failures from any malfunction of your computer or any software, and we are not responsible for any computer virus or related problems that may be associated with the use of an online system. We may, at our discretion and without prior notification to you, enter into an agreement to have another third party provide online services.

128-BIT ENCRYPTION:

All browsers accessing secure pages within our website must support 128-bit encryption. To determine if your browser supports 128-bit encryption, click on "Help" in the toolbar of your Internet browser and click on "About [browser name]". A pop-up box or window will display.

• For Internet Explorer - Next to "Cipher strength" you should see "128-bit".
• For Netscape – the following text should appear: “This version supports high-grade (128-bit) security with RSA Public Key Cryptography”.
• For Netscape versions earlier than 6, the following text should appear: “This version supports International security”

If your browser does not support 128-bit encryption, you will need to upgrade to a browser that does in order to continue to access secure pages of the website.

Review our Terms & Conditions for full disclosures concerning OnLine Banking & Bill Pay.

ABOUT YOUR USER ID

A User ID is used in conjunction with a Password to log on to KNBT OnLine Banking. For first-time KNBT OnLine Banking users, the User ID will be your Social Security Number or Business Tax Identification Number. Your User ID can be changed to a combination of letters, numbers or symbols, 6-20 characters in length.

How to change your User ID:

1. You must first log on to KNBT OnLine Banking using your Social Security or Tax ID Number.
2. Click onto the "User Options" icon and select the "Change User ID" option.
3. You will be asked to enter your new User ID twice, and then click the "Accept" button.
4. You will receive a confirmation statement indicating that you need to use your new User ID the next time you log on to KNBT OnLine Banking.

If you happen to forget your User ID, please contact our Customer Service for further assistance at 1-800-996-2062 (toll free), Monday - Friday from 7:00 am - 7:00 pm and Saturday from 8:00 am – 2:00 pm.

ABOUT YOUR PASSWORD

The Password you use to access KNBT OnLine Banking can be any 6 to 8-digit alphanumeric Password of your choice. Your Password must include at least one letter character and one number.

When creating a Password, we recommend that you avoid using the numbers in your birth date, address, social security number or any other number that can be easily associated with you.

Changing Your PASSWORD
You may change your Password at any time. Each time you change your Password, we will mail you a Password change notification. If you receive a Password change notice but did not initiate this change, please contact Customer Service immediately at 1-800-996-2062 (toll free), Monday - Friday from 7:00 am - 7:00 pm and Saturday from 8:00 am – 2:00 pm.

For your security, we recommend that you memorize your Password. Do not write your Password down or make it available to any other person. You are responsible for keeping your Password and account information confidential.

Forgot Your PASSWORD?
If you happen to forget your Password and selected three identity validation questions (Challenge Questions), you can click on the “Forgot Your Password” link at the bottom of the KNBT OnLine Banking sign-on screen. You will be asked to enter your User ID and answer the three Challenge Questions you selected to confirm your identity. Your answers will be character sensitive. Once your identity is confirmed, you will be asked to enter a new Password in order to access KNBT OnLine Banking.

Locked Out?
If you have been locked out due to excessive login attempts with your Challenge Questions, please contact us.

REGULATION E DISCLOSURE STATEMENT

As a consumer who uses electronic fund transfers (EFT) services, you have certain rights and responsibilities, which are defined by the Electronic Fund Transfer Act (15 U.S.C. 1693, Et seq.) and Regulation E of the Federal Reserve Board.

Click here to view KNBT’s Reg E Disclosure.

Click here to view KNBT’s Privacy Notice.