Troubleshooting

Lyons National Bank LNB Online is your one-to-one connection with Lyons National Bank. With LNB Online Banking, you can pick and choose the services that best fit your needs. You can sign up and get convenient access to your account balances, easily transfer money between your checking and savings accounts, and make your loan payments. And best of all, it's free!

Problem #2

What do I need to get started?

Recommendation:

You can sign into LNB Online Banking if you have a computer, a modem, Internet access and a recommended version browser. In order to meet Lyons National Bank's high security standards, the following versions of browsers are strongly recommended: Netscape Navigator 4.73, Microsoft Internet Explorer 4.0 or later versions with 128-bit encryption.

Problem #3

What if my browser does not meet Lyons National Bank's high security standards?

Recommendation:

You can go to either the Netscape or Microsoft home page and download the most recent non-beta browser versions with 128-bit encryption.

Problem #4

I am moving to another state where there is no Your Financial Institution branch. Can I continue to use Your Financial Institution LNB Online?

Recommendation:

Yes. As long as you have an account with us, you will be able to use Lyons National Bank LNB Online. If you do not have an account with us at this time, please contact any branch location to open one today!

Problem #5

What if I forget my User Name and Access code?

Recommendation:

You can contact a Lyons National Bank LNB Online Support Specialist at (315) 946-8271 during normal business hours or go to our contact us page on our website http://www.lyonsbank.com/contact.html.

Problem #6

How do I change my access code?

Recommendation:

Simply login using your User Name and Access code. Once you are logged in, click on "Change Access Code" under "Customer Services" in the Navigation bar. This will allow you to designate a new Access code.

Problem #7

How do I contact the bank if I have a question or comment about LNB Online Banking?

Recommendation:

If you have questions, comments or concerns you can go to our contact us webpage http://www.lyonsbank.com/contact.html or call a Lyons National Bank LNB Online Support Specialist at (315) 946-8271 during normal business hours. We will respond to email messages with an answer or confirmation notice within one business day of receiving the message. Please include your name, mailing address, phone number, email address and a general description of your question so we can promptly research your question and respond either by email, telephone or U.S. Mail. Please note that email is not a secure environment like LNB Online Banking. Please do not include any sensitive information in your email, such as account numbers, access codes or Social Security numbers. Should you wish to send secure information, please use our Secured Messaging to transmit to us and we will respond using the same Secured Messaging.

Problem #8

Can I use LNB Online Banking with Web TV?

Recommendation:

Presently, LNB Online Banking is not accessible through Web TV.

Problem #9

What are User Names?

Recommendation:

User names are an easy way to personalize your accounts and, once assigned, are used to identify your accounts through LNB Online Banking. During the registration process, you select a user name. It can be up to 15 alphanumeric characters (but at least 4 characters/numbers long). A user name can be a nickname, your email address, or simply just your name.

Problem #10

What types of accounts are accessible in LNB Online Banking?

Recommendation:

You can access practically any personal or business Lyons National Bank account* you have, including:

• Checking
• Savings
• IRA's
• Certificates of Deposit
• Lines of Credit
• Installment Loans
• Mortgages
• Cash Reserves (ready reserve)

Problem #11

Can I have more than one checking account linked to LNB Online Banking?

Recommendation:

Yes. You can link all of your Lyons National Bank checking accounts to LNB Online Banking*.

Problem #12

What if one of my accounts isn't reported?

Recommendation:

If you don't see an account reported on your Lyons National Bank LNB Online Accounts screen, click on "Add Accounts" under "Customer Service" in the Navigation Bar*.

Problem #13

Can I download the statement file to my PC?

Recommendation:

You can download your account activity file to your PC and import the file into any financial management software that can accept .QIF (Quicken® data file format) format files, including Quicken® and Microsoft Money®.

*Business account users please note: personal and business accounts cannot be viewed together in LNB Online Banking.

Problem #14

What types of accounts can I transfer funds to and from?

Recommendation:

You can transfer funds between any of your Lyons National Bank checking and savings accounts within limits specific to your account. Please refer to the Deposit Account Booklet for your account for more information or contact your nearest branch location.

Problem #15

Are there limits on the number of transfers I can make?

Recommendation:

Some accounts, such as checking accounts, have no limits on the number of transfers you can make. However, many savings accounts, by Federal Regulation, are allowed no more than six preauthorized withdrawals or transfers per month. If you're unsure whether your account has this restriction, please refer to the Deposit Account Booklet for your account or contact your nearest branch location

Problem #16

When will my transfer take place?

Recommendation:

If you initiate a transfer before 4:30 p.m. ET, the transfer will take place on the same business day. If you initiate a transfer after 4:30 p.m. ET, the transfer will take place on the next business day.

Problem #17

What software do I need to access Lyons National Bank LNB Online?

Recommendation:

We require that you use a browser that supports 128-bit encryption, and suggest either Netscape Navigator version 4.73 or later or Microsoft Internet Explorer version 4.0 or later.

Problem #18

What is a browser and what does it do?

Recommendation:

A browser is what enables you to visit Web sites and view Web pages on your computer screen. Just as a word processor is the software you use to write letters and papers with your computer, a browser is the software you use to surf the Web.

Problem #19

Why do I need a 128-bit encryption browser and what does SSL mean?

Recommendation:

To use Lyons National Bank LNB Online Banking, we require that you use a secure browser with 128-bit SSL encryption to communicate with the bank. 128-bit SSL browsers have the highest level of encryption and are over a trillion times more secure than the next best form of encryption. The U.S. government reports that 128-bit security will provide effective protection for the next two decades. Encryption is the process of translating meaningful communication into undecipherable code and then back into meaningful communication. It ensures that communication between you and the Bank cannot be translated by anyone without the correct encryption keys. Most browsers have this level of encryption. SSL stands for "Secure Socket Layer." This technology allows users to establish sessions with Internet sites which are secure, meaning they have minimal risk of external violation. Once inside the LNB Online Banking site, you are secure through our use of SSL technology.

Problem #20

Is Lyons National Bank LNB Online compatible with software that I already use to manage my money?

Recommendation:

Yes. Lyons National Bank LNB Online can export transaction information to the leading financial management software packages available today, including Quicken® and Microsoft Money®.

Problem #21

What about security? Is my financial information safe here?

Recommendation:

This is a common concern with banking and commerce on the Internet. Technology has been developed to safeguard data through encryption or coding of information, creating barriers between systems that can only be crossed with authorized passwords, and by creating safe pathways to and from each system.

Any kind of breach in the security of our systems would be a serious business issue for Lyons National Bank. Our success as a financial institution depends on our ability to manage these systems safely and to continue to earn your trust as our customer. Please be assured that we will go to every measure possible to protect the financial information and resources you have entrusted to us.

You can help safeguard your information and the banking systems by protecting your password. The password is the only way to get access into your account. Please keep your password secure.

Problem #22

What else does the Bank do to protect my accounts and personal information?

Recommendation:

Our Web Banking System has a built-in timer that will terminate your session if you are not actively using the system after 20 minutes. Your private information, such as your Access code, will never be displayed on your computer screen or, after the initial registration, in any form of correspondence with Lyons National Bank.

Problem #23

What can I do to protect my accounts and personal information while I am banking online?

Recommendation:

While Lyons National Bank does everything it can to protect the confidentiality of your online information, we can't do it alone. You also share in the responsibility for the security of your account information and should always follow the recommendations listed below. NEVER reveal your login Access code to anyone - ever! You are the only one who should know your Access code. Lyons National Bank will generate an access code that will be sent to you by U.S. mail. We require that you change your Access code after your first logon, and recommend that you change your Access code at regular intervals. While we will make every reasonable effort to maintain the privacy and security of your account information, we cannot be responsible for the confidentiality of your Access code once it has been received by you. No employee of Lyons National Bank will contact you and ask for your User Name and access code.

Don't leave your PC while you are logged in to the online banking system. When you finish your online banking session, you should use the Logoff button to leave the service, before visiting other Web sites.

If other people have access to your PC, clear your browser's cache in order to remove copies of web pages that may have been stored temporarily on your system. Refer to your browser's Help file for instructions on clearing your cache.

We strongly recommend that if you suspect that someone knows your Access code, that you change it immediately online. Simply login using your User Name and Access code. Once you are logged in, click on "Change Access Code" under "Customer Services" in the Navigation bar. This will allow you to designate a new Access code. Always keep in mind that you should NEVER share your access code with anyone.

Problem #24

What if I have a question or need to talk to the bank?

Recommendation:

Send us a message! Just click on "Messages" in the Navigation Bar, then select "Send a Message." We'll respond as quickly as we can during normal business hours. And remember, this is your one-to-one connection with Lyons National Bank so everything you send is secure.

Problem #25

Is Lyons National Bank LNB Online available 24 hours a day?

Recommendation:

Yes. LNB Online Banking is available 24 hours a day, 7 days a week.

Problem #26

When I send a message to Lyons National Bank, is this message going over a public email system?

Recommendation:

No. This electronic messaging system is your one-to-one connection with Lyons National Bank. It has nothing to do with any outside email service you may subscribe to. This assures you of full confidentiality and security of your messages. Please feel free to include as much detail as possible, including full account numbers, names, etc. in your messages.

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Couldn't find an answer to your question? Go to our contact us webpage http://www.lyonsbank.com/contact.html and we'll respond within one business day to your request.