Whidbey Island Bank Online Services

Want to make a transfer of funds at midnight? You can. Check your balance at 6:00 am? No problem. Find out at 9:00 pm if that important check cleared? Absolutely. With our online banking service, you decide the schedule, and you decide what you want to do. Finally, the promise of the computer age is coming to life.

In order to best meet the particular needs you have, Whidbey Island Bank offers two choices of service for online banking:

Online Banking
- See your account balances and transactions
- See your bank statements
- See the images of checks that have cleared
- See the deposits made
- Transfer funds between your Whidbey Island
Bank accounts
- Download account information to Microsoft
Money 98 and Quicken 99 Release 4
- Pay your bills online

(Insured Money Market Accounts and Savings
Accounts have transfer limitations. Transfers made
online are counted as part of the aggregate total
transfers allowed during a calendar month. See
your account disclosures for additional information
about transfer limitations.)

Security and Privacy Disclosure

Whidbey Island Bank’s Online Security Statement

Welcome to our Online Banking site!

Whidbey Island Bank is committed to making your Online Banking experience safe and secure. This Online Banking service provides security technology to protect data for our customers and for the bank. We have taken many measures to ensure your privacy.

Information Encryption
We use encryption technology to ensure the privacy of your information. Your banking information never travels the Internet without encryption protection.

Personally Selected Account Names
Whidbey Island Bank does not display your account numbers over the Internet. Instead, we ask you to choose a "pseudo" name for each of your accounts.

Individual ID & PIN Information
In order to access Whidbey Island Bank’s Online Banking, you must enter a unique User ID and PIN. Bill payment services require an additional User ID and PIN for initial access.

PIN Security System
To keep unauthorized individuals from accessing your account by guessing your PIN, we instituted a PIN security system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system for 24 hours. Your account is not accessible via Online Banking throughout this 24-hour lockout period.

You will have the ability to monitor the access of your account by the information provided when you log in each time. This record will report your last login date and the number of times you have logged in. Reset Login Count allows users to reset the counters for their login history.

Automatic Log-Off
If you are logged on the Online Banking but do not perform any activity for 10 minutes, you will not be able to proceed until you "re-log” on to the system.

Additional Security Measures
We have sophisticated firewalls and an authentication process to ensure that only authorized individuals are allowed to enter our system.

Protect your Online Banking account information
Whidbey Island Bank works to protect your banking privacy. However, you also play an important role in protecting your accounts. Here are some of the steps you can take to ensure that your Online Banking account information is protected:

• Don’t reveal your User ID or PIN to anyone else. Your User ID and PIN are designated to protect your banking information, but they will only work if you keep them to yourself.

• Change your Online Banking User ID number assigned to you by the bank and change your PIN number frequently.

• Don’t walk away from your computer if you are in the middle of an Online Banking session.

• Once you have finished your Online Banking session, sign off before visiting other Internet sites.

• If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at (360) 679-3121, Online Banking Department.

Whidbey Island Bank’s Online-Privacy Statement

Welcome to our online banking site!

Whidbey Island Bank recognizes that customer information is confidential and personal. Our goal is to take specific steps to ensure that the privacy of information about you and your account is protected. We are committed to providing the highest level of security and privacy regarding the collection and use of our online banking customer’s personal information. The following statements describe how we safeguard the privacy of our customers throughout our business including all forms of communication.

Recognition of Our Customer’s Expectation of Privacy

Whidbey Island Bank recognizes that our customers expect privacy and security for their personal and financial affairs. We maintain standards and procedures designed to protect against misuse of customer information.

Use, Collection and Retention of Customer Information

When you enroll in our online banking service, you will be asked to provide personal information. Whidbey Island Bank acknowledges that we collect, retain and utilize this information about our customers. This information is retained on our systems in order to deliver the products and services requested. Customer information is used by the Bank to protect access to your personal accounts. The Bank educates its employees to understand the importance of confidentiality and customer privacy. All personal information collected and stored by the bank is used for specific business purposes: to protect and administer personal accounts and transactions, to comply with state and federal banking regulations, and to help improve or design our products and services.

Maintenance of Accurate Information
Whidbey Island Bank has procedures in place to assure that customer financial information is accurate. Customers should notify us immediately if they receive information regarding their relationship with us that they believe to be inaccurate. Any requests to correct inaccurate information or potential misuse of personal information in the online environment will be responded to in a timely manner. Please call us at 1-800-290-6508 or 360-679-3121 and ask for our Online Banking Department.

Employees Access to Customer Information
Each Whidbey Island Bank employee has responsibility for maintaining the confidentiality of customer information. Only employees with a business reason for knowing your personal information are permitted access to your information.

Maintaining Security to Protect Customer Information
The Bank maintains appropriate security standards and procedures regarding unauthorized access to customer information. Security procedures include: use of computer passwords, firewalls, network security, and more.

Restrictions on the Disclosure of Account Information
Whidbey Island Bank does not reveal specific information about our customer’s accounts or other personally identifiable data to a third party for the purpose of solicitation or provide your personal customer information to a third party unless (1) you authorize us to do so; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; (4) the disclosure is required or allowed by law.

Your E-mail Privacy
Whidbey Island Bank’s Web site does not require you to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. When you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will neither be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

We reserve the right to make changes to this statement and any related procedures at anytime, by posting a new privacy statement.

Click here for the
Whidbey Island Bank OnLine Enrollment Form

Business Cash Management
In today’s do more, do it faster, do it better, do it whenever world, electronic banking services are a real relief for today’s businesses. No more working by the bank’s schedule – now you can do your banking on your own.

To this end, Whidbey Island Bank offers you the following services:

Online Banking
- See your account balances and transactions
- See your bank statements
- See the images of checks that have cleared
- See the deposits made
- Transfer funds between your Whidbey
    Island Bank accounts
- Place stop payments
- Download account information to Microsoft
    Money 98 and Quicken 99 Release 4
- Pay your bills online

(Insured Money Market Accounts and Savings
Accounts have transfer limitations. Transfers made
online are counted as part of the aggregate total
transfers allowed during a calendar month. See
your account disclosures for additional information
about transfer limitations.)

Commercial Sweep Account*
- Money is swept to and from one of four
    investment

accounts everyday to maximize any
    interest earnings.
- Available to sole proprietorships, partnerships,
    corporations, and non-profit organizations
- An average balance of $50,000 is required
- Fees: $40 per month (Includes daily transfer
    acknowledgements and monthly statements)
    $20 per month (Provides a monthly statement)
- Investment company: Federated
- Investment options:
    Prime Obligations Fund
    Government Obligations Fund
    Treasury Obligations Fund
    Tax Free Obligations Fund

*These commercial sweep accounts are money
  market mutual funds and:

are not insured by the FDIC;
are not a deposit or other obligation of, or
guaranteed by the Bank;
are subject to investment risks including
possible loss of the -principal amount invested.
Call one of our Financial Service Representatives
for the full details.

Business Account Analysis
This service is designed for businesses that carry large balances and/or have substantial account activity. It allows you to avoid service charges on offsetting account balances. It allows you to combine multiple accounts for the purpose of calculating your monthly service fee.

EFTPS (Electronic Federal Tax Payment Systems)
Lets you pay your Federal Taxes Electronically. Something that will become increasingly handy since the IRS regulations now require all businesses with $50,000 or more in payroll taxes to pay all their Federal Taxes electronically, through EFTPS.

ACH Payments and Collections
ACH (Automated Clearing House) allows commercial and business customers to originate Direct Deposit for Payroll, Direct Payments and Corporate Payments. ACH is an electronic transfer system which processes electronic payments and collections.

Wire Transfers
If you elect to send your wire transfers electronically, you pay a reduced fee compared to the fee for ordering a wire through one of our branches.

How To Get These Services
Enrollment forms are available through Cash Management Specialist who can provide interested customers with more detailed information about hardware/software requirements. Call or visit any of our branches to schedule an appointmenmt to discuss your Cash Management needs.