• PC or Macintosh computer
• Windows 3.1, DOS 5.0 or higher (PC Only)
• Web browser (preferred browsers are Netscape 4.0 or higher or Internet Explorer 4.0 or higher)
• Modem
• Internet access through an ISP (i.e. AOL, MediaOne)

How much does EBSB Online cost?
You can test drive EBSB Online for free! The first three months of EBSB Online with bill payment services is absolutely free! After that, it costs just $5.00 per month. The savings in postage and time will more than make up that small amount!

How do I enroll in EBSB Online?
Via the Web: First, read the "Terms and Conditions" disclosures. Then complete the Internet Banking application right here on www.ebsb.com. After you've printed the application, simply sign it and follow the instructions on the application to mail, fax or drop it off to us.

How will I access EBSB Online once I enroll?
Go to www.ebsb.com and click on the EBSB Online logo. You will be brought to the special banking section of our Web site where you will enter your Username and Password. The first time you log on, you will be instructed to choose a new password. An explanation of how to choose your new password will be on the screen. You may change your password as often as you wish, but will be required to change it at a minimum of every ninety (90) days for security purposes.

Set Up and Maintenance of EBSB Online

Where do I get help with EBSB Online if I need it?
When you sign up as an EBSB Online customer, you will have access to the EBSB Online 24-hour Customer Support line - (800) 524-7912. This support is available 7 days per week, 365 days per year to make your online banking experience as smooth and convenient as possible. If your phone line is busy with your computer, online help is available through the tutorials and help screens throughout EBSB Online.

What happens if I forget my password?
In the event that your password is forgotten, you should call the EBSB Online Customer Support line at (800) 524-7912, or during regular business hours at (800) 657-3272. For security reasons, EBSB is unable to provide your current or new password over the phone, but will mail a new password to your primary address.

Is EBSB Online a secure way to do my banking?
Yes. EBSB Online utilizes several types of technology to ensure the security of your banking information. Your transaction history remains securely behind a series of firewalls designed to protect that information from outside access. For detailed information regarding our security process, refer to the Security details below.

How can I e:mail EBSB regarding my EBSB Online account?
While you are using EBSB Online, you can contact us via e:mail by clicking on the "E:mail Support at East Boston Savings Bank" link on the bottom of each page. There is also a "Contact Us" link in the help screen that you may use to contact us as well. You may also e:mail us directly at ebsbonline@ebsb.com.

If I change my e-mail address, how should I notify the bank?
E-mail is a vital communication link between you and the bank. You should notify us immediately if your e-mail address changes. This can be done by stopping into one of our branches. You may also request that we mail the required form to you by contacting us via telephone, fax or e-mail.

What if my accounts at EBSB change?
Any change in your account information is important and should be communicated to us. When you open an account and want to access it online, you should request that it be added to your EBSB Online accounts. If you close an account, you should also notify us to ensure that it is removed from your EBSB Online information.

What if I cannot access EBSB Online on my computer?
Our 24-hour Customer Support line is ready to help. Call 1-800-524-7912 and a representative will assist you with any technical issues that may be causing difficulties.

Using EBSB Online

How do I learn to use EBSB Online?
Under the "Help" icon at the top of the "Account Summary" page, there is a comprehensive tutorial to provide you with the information and knowledge you need to make the most of internet banking. We highly recomment that you use the tutorial.

Can I customize the account descriptions to make them easier to remember?
Yes. You have the option of customizing your accounts by adding a description to each one. At the "Account Summary" page, click on the magnifying glass by the account that you wish to customize. You will be able to add a description such as "Vacation Account" or "College Fund" to replace the account description.

How do I use my Account Register?
The online register works the same way as a paper register except that the adding and subtracting is done for you. You should record all transactions in your register; however, if you should forget to record a transaction, EBSB Online will enter it for you. Also, all bill payments are recorded automatically in the register.

You will notice two dates for each transaction. The top date is the date you added it to the register and the bottom date is the date the transaction was processed by the bank.

When viewing the account statement, all transactions will fall into one of 6 categories. They are: * Deposit *ATM * Checks * E-Pay (Electronic Bill Payment) * Debits * Miscellaneous Debit or Credit (MDC)

Can I use EBSB Online to transfer funds?
Yes. You may transfer funds between qualifying accounts. Funds may be transferred to and from checking, money market and statement savings accounts. You may also use EBSB Online to transfer money to pay your loan. You will see the transfer reflected in your register immediately.

Using Bill Payment

How do I create a payee for bill payment?
This process is simple. Initially setting up all your payees may take a bit of time, but it will save you time in the long run. Be sure to have all your payment information in front of you before starting. You will need the payee name, address, telephone number and your payee account number for all your bills.

Then, click on the "Payees" icon. You will have the choice of selecting a payee from a master list of common payees or creating a new payee manually.

NOTE: When you set your payee up manually, we recommend that you click the box that reads, "Allow Electronic Payments".

How do I select a payee from the Master List?
The "Master List" contains many common payees and is easy to use. Just enter your payee's name and a list for that payee will appear. There are often multiple listings for a payee. Be careful to choose the listing that has the same address on your bill. Click on that listing and complete the boxes, which include your account number.

How long does it take to process an electronic payment?
Payments made electronically can take up to seven (7) business days to process. Therefore, you need to be sure to allow sufficient time for the payment to be processed and received by your vendor.

What is the minimum amount I can pay via Electronic Bill Pay?
With EBSB Online, you can pays as small as $10.00.

Are there any other restrictions when using bill pay?
You can pay virtually anybody using Electronic Bill Pay; however, there are a few restrictions. Tax payments, government payments, court ordered payments and international payments are NOT allowned via Electronic Bill Payment.

After I set up my payees, how do I pay my bills?
Just click on the "Pay Bills" icon. A list of all your payees will appear. Click on the payee of your choice. Enter the dollar amount and date you want the payment to occur. Then, click the "Submit" key and you are done. It's that easy!

How do I know that my payment was entered correctly?
After you submit your payments, you will receive a confirmation e-mail from the bank verifying the payment was accepted. You will also be able to see the payment on your "Pending" payment list.

Is there a daily processing deadline for bill payments and transfers?
Yes. When viewing a number of screens in EBSB Online, you will see references to time deadlines. The time stated is Central Time (CT). Eastern Standard Time (EST) is one hour ahead. If you want a bill payment request or transfer to be processed today, you must complete your transaction by 8:00 p.m. CT or 9:00 p.m. EST.

EBSB is concerned about the security and integrity of the data provided through EBSB Online. Because of this concern, we have established a partnership with Metavante Corporation to provide a secure system for conducting your banking transactions. We use several different technologies to ensure that your information remains secure.

Firewalls
A firewall is a computer that is used to determine who has access to areas of a computer network. It also logs and tracks each transaction made or attempted. The firewall takes a customer's request and puts it in a holding pattern while it performs several functions to verify the authenticity of the user.

Vault Servers
The Vault Server is designed to be a barrier between the outside world and the system where account information is stored. It uses a public key cryptography system (a complex coding system) to allow a customer to create an "encrypted tunnel" between the customer's computer and the Vault Server. The algorithm implemented has been used by government and corporate systems for years without failure.

Usernames & Passwords
Once the customer connects to the Vault Server, he/she is asked to authenticate the session by entering a Username and Password. When a customer first enrolls in EBSB Online, we will provide him/her with a password, but he/she is encouraged to change that upon first usage. The customer has five chances to successfully attempt to log in before the system locks his/her account.

Passwords are case sensitive.

Database Server
A customer can request information about his/her account and perform various functions after he/she has logged in to EBSB Online. The Vault Server protects these processes against any form of outside intervention. For additional security, the Vault Server communicates with a Database Server that resides behind the Vault Server and is connected via a private network. This is done to prevent eavesdropping on the network. The Database Server is restricted to identified sources only, preventing access by unauthorized users inside or outside of the network.