Q: How do I apply for Internet Banking?
A: You can locate the application on our website by clicking the "Internet Banking" tab located on any of our web pages. At the top of the next page, you will find a link for the application. Once your application has been processed, you will receive a package in the mail containing the following: a welcome letter, an Internet Banking agreement and an acceptance of terms letter, which must be signed and dated and returned to the bank before access to Internet Banking can be granted. This is also a security measure to verify your identity as the signature on the letter is validated to the signature card on file.

Q: How do I access Internet Banking?
A: Once your identity has been verified (see question above), you will receive an email from the bank welcoming you to Internet Banking. This email will contain your customer number and a hint as to what your temporary password is to enter Internet Banking as well as instructions to login.To accesss Internet Banking, simply click on the "Internet Banking" tab on any of our Web pages. When using Internet Banking for the first time, you will be prompted to change your password, perform the "forgotten password" feature and install the "enhanced login security" feature. Once these three (3) simple steps have been completed, you will have access to Internet Banking.

Q: How frequently is my Wilton Bank information updated?
A: The Wilton bank updates all customer information nightly. Whether you access our Internet Banking or contact us directly, your account information is updated every day to reflect all account activity.

Q: Can I look at all of my transactions at any time?
A: Yes, with Internet Banking, you have access to your account information 24 ours a day, 7 days a week!

Q: Once I have Internet Banking access, can i pay bills online immediately?
A: No. A separate application is required for Bill Payment. You will be prompted to apply for Bill Payment the first time you login to Internet Banking. If you decline, you can apply for Bill Payment anytime by clicking on the "Bill Payment" tab from within Internet Banking once you login. The entire process from application to being able to pay bills online takes approximately 3-5 business days.

Q: How does bill payment work?
A: To help understand the process, we have provided a diagram.

Q: How long does it take to set up a new payee in the bill payment system?
A: Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.

Q: Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
A: Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

Q: After I make a bill payment, how long does it take for the money to be debited from my account?
A: The money will be debited electronically from your account within 1-3-business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q: How long does it take for a payment to reach the payee?
A: A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to ten days.

Q: How do I actually use the Electronic Bill Payment System?
A: Step-by-step instructions can be accessed by pressing the help button within Internet Banking.