Frequently Asked Questions (FAQs)

Contact Us and ask for the Online Banking Team during regular business hours or visit one of our branch offices.

Online Banking has a self-service link you can use to retrieve a new password. First enter your Sign-on ID and when you are prompted to enter your password, click on the Forgot Password link and follow the easy to use instructions. You can also Contact Us and ask for the Online Banking Team during regular business hours or visit one of our branch offices./

The verification process for an account to be added request, may take up to 3 business days. If after that time period, the account does not show up on your Account Summary Page, contact us and ask that the Online Banking Team research the matter.

This is commonly caused by your browser not being configured to accept cookies.  You should be aware that our Online Banking system depends on cookies to verify our identity after signing in. If you have disabled cookies from your browser or are running third-party software that intercepts or deletes cookies you will not be able to use Online Banking to manage your accounts.

To enable cookies, search online for (browser name) allow session based on cookies. You may need to include your browser’s version number after the browser’s name when searching if the results do not match your web browser.

Online Banking will automatically sign you out if you have remained idle for a period of time. This is done as a security protection in case you forgot to sign off. When you request your next page, you will be presented with the ALERT screen and you will need to sign back in again.

Posted transactions to your account are tracked by the system from the point of enrolling or adding the account.  Your register will only show transactions from this point on.  If you have had transaction in the past that are no longer showing, Contact Us and ask that the Online Banking Team research the matter.

If there is a transaction, you do not recall making or creating, Contact Us and ask that the Online Banking Team research the matter.  Be sure to include the transaction information.

Online Banking is a ‘real time’ system, and all posted transactions are immediately viewable. However, certain ATM and Point of Sale transactions can take longer to clear.  They will not affect your account balance until they clear.

If your payee has not posted the payment to your account within a few days of receiving it, Contact Us and ask that the Online Banking Team inquire about the status of the payment. Include the type of transaction, the dollar amount, and the item’s reference number (displayed on the Register screen under the “Num” column).  The payment/transfer will then be traced and a status response sent to you.

The message indicates that the Online Banking system does not have a connection to Salem Co-operative Bank’s database.  It will run in offline mode if the bank is performing scheduled system maintenance or if there is a problem. You are still able to sign-on to the Online Banking system but keep in mind the following:

• Balance and transaction activity may not be up-to-date. Check the “Last Updated” date on the Accounts page to determine the last time your Online Banking balances and transactions were updated.
• You will not be able to do an immediate transfer when the system is in an offline mode. If you attempt to do a transfer, you will receive an error message indicating that the transfer could not be completed. However, you can still create future-dated transfers as well as future-dated bill payments.

On your iPhone®, iPad® or AndroidTM mobile device with internet access, go to the App Store (via Google Play for Android device users or the Apple App Store for iPhone and iPad users) and search for “Salem Co-operative Bank” to download the free app. There is no charge from Salem Co-op, however data rates may apply.

You must have a deposit account and be enrolled in Online Banking to use our mobile banking feature. Once you download Salem Co-op’s mobile app, you can login using your online banking credentials.

If your mobile phone or tablet is lost or stolen, you should contact Salem Co-operative Bank at 603-893-3333 to speak with one of our customer service representatives.

Yes—you must be enrolled in mobile banking to use the mobile deposit feature. Checks should be endorsed with “mobile deposit” indicated on the back of the check under your signature.

If you are locked out of our mobile app and require a password reset, you must contact Salem Co-operative Bank at 603-893-3333. Once your account has been unlocked, you may then login via the mobile app.

Yes. Salem Co-operative Bank’s Online Banking system is protected by a Transport Layer Security (TLS) certificate that will work with browsers capable of handling either 128-bit or 256-bit TLS encryption levels.  Customers are responsible for the integrity of their system and protection against malware, such as viruses, Trojans, spyware and other malicious software. We strongly recommend that customers have anti-malware protection on their computers to help prevent their information from being compromised.

All current computer-based web browsers should be able to support both 128 and 256-bit levels of encryption. Supported Browser Versions: IE 8 and higher non-compatibility mode, Firefox 14 and higher, Safari 5, Chrome 20 and higher.

If you are not sure if your browser supports these levels of encryption, use a search engine such as Google to search for the following: (browser name) support 256-bit encryption. It should be noted that you may need to include your browser’s version number after the browser’s name when searching if the results do not match your web browser.

No, your Online Banking account information is only available using the Online Banking ID and Password that you set up.

No.  For security reasons, Online Banking will not remember a Sign-On ID or Password.  You will need to enter both each time you begin a Salem Co-operative Bank Online Banking session.

To change your Online Banking password, click on the Account Services tab then the My Profile tab, enter your Current Password, enter a New Password, enter Confirm New Password and Click Save. Use this new password the next time you sign on to Online Banking.

If you forget your Sign-On ID, contact us and ask for the Online Banking Team during regular business hours or visit one of our branch offices.

Online Banking has a self-service link you can use to retrieve a new password. First enter your Sign-on ID and when you are prompted to enter your password, click on the Forgot Password link and follow the easy to use instructions. You can also contact us and ask for the Online Banking Team during regular business hours or visit one of our branch offices.

Both your Sign-On ID and Password must be at least 8 characters long and can be made up of any combination of letters and/or numbers and/or the following special characters in the password field: ^!+&@-.,:#$_?'()[]. Sign-On IDs are NOT case-sensitive, Passwords are case-sensitive.

Yes. You can link all of your checking accounts and any other accounts that you are authorized on to your Online Banking.  When you enroll online, you will be asked to provide which active accounts you would like to have linked to Online Banking.  If you open new accounts, you will have the option to link those accounts to Online Banking.

Note:  Only checking accounts can be linked to the Bill Payment function in Online Banking.

• • All transactions posted to your account are immediately viewable through Online Banking, as our system is online/real-time.
  • Online Banking initiated transactions such as transfers between two accounts will update immediately.
  • Certain transactions, such as ATM/Debit Card and Point of Sale, can take longer to view.   These transactions will not show or be deducted from your account balance until they have cleared through the Bank.

If Online Banking is down,  all transactions you previously processed prior to the system going down will go through. If you were in the middle of a transaction and there is a question as to whether the system received the request, you may Contact Us to ensure that your transaction request has been accepted.

• • One-time transfers are processed immediately, as Online Banking is an online/real-time system.
  • Future dated or recurring transfers between accounts are made during overnight processing.
  • If a transfer is scheduled to be processed on a weekend or Bank holiday, it will transfer on the business day prior to the scheduled date.  For example, if a recurring or future dated transfer is scheduled to be made on a Saturday or Sunday, it will be processed on the previous Friday.

No.  If you have previously arranged for a recurring transfer between accounts including automatic loan payments, but did not do so using the Online Banking system, you will not be able to change any details of those transactions online.  Please Contact Us to make any changes.

Go to Online Banking and click on the Payments Tab on the top right of the screen. Click on the Pay Your Bills hyperlink.   You may only make bill payments from a checking account.

You may call our Bill Payment Customer Support telephone number at 844-843-9383.

Support is available from 7:00 a.m. to 1:00 a.m. Eastern Time, 7 days a week.

No, you should always schedule your bill payments prior to the actual due date.  We suggest that you allow a minimum of five to seven business days for check payments, and a minimum of three business days for electronic payments. The daily cut-off time for Online Bill Payment processing is 10:00 p.m. Eastern Time.

You can change or stop a payment as long as the item is still in a pending status.  If a recurring payment is cancelled, future payments on the recurring schedule will not be affected; however, you will need to reschedule the cancelled payment if you want it to be paid.