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* Personal Mobile Banking AppGeneral FAQs & Security FAQs
Personal Banking E-Statements
Personal and DirectConnect
Bill Pay with iPay Technologies
* Lost or Stolen ATM/Debit
Personal Mobile Banking App.
Mobile Banking App GENERAL information:

What is The Bank of Princeton / MoreBank Mobile Banking App?
The Mobile Banking App allows you to securely access your bank accounts from your mobile device. Check your account balances, transfer funds, and find your nearest branch or ATM and much more. It is technology and convenience, providing options and flexibility. 

Is there any cost for The Mobile Banking App?
Our mobile banking App is absolutely free*. Enroll, experience and enjoy!

Why should I use The Mobile Banking App?

It a useful tool for your day to day banking needs.
· Check your balance.
· Review your transaction history.
· Find your bank’s nearest ATM from wherever you are.

How can I get The Mobile Banking App? 

 It’s easy! You can simply download the app from your device app store or learn how to register from our Mobile Banking page. 
Here is what you will need:

  • An qualified Online Personal Banking account at The Bank of Princeton or MoreBank plus one of the following:
  1. A smartphone* (iOS, Android, BlackBerry) or
  2. A web-enabled device* (mobile browser) or
  3. A standard mobile device with text capabilities*

*Message and data rates may apply. Check your mobile service provider plan for details.


Mobile Banking App SECURITY information:

How secure is The Bank of Princeton / MoreBank Mobile Banking App?

  •  Smartphones such as iPhones, Android and Blackberry have a very controlled and secure operating system(s)
  •  Mobile Banking uses 128 bit SSL encryption just like Online Banking – which basically encrypts and protects any transmission of data including customer account information.
  • Mobile Banking uses strong Firewalls just like Online Banking – which protects from unauthorized or malicious intrusion.
  •  An additional Security is provided by the Q&A authentication for initial access to your account.
  • Just like Online Banking, Mobile Banking uses your Username & Password for access. 

 * your account will lock down after three incorrect attempts from your mobile device
The Mobile Banking App is secure and safe to use!  

What if my phone gets lost or stolen?
Nobody wants their phone lost or stolen. Rest assured that personal information from your Mobile Banking account is never stored on the phone, nor is your password. Your log in session automatically times out after a specific period of inactivity.You should know that your mobile banking access is secured.

In the event that your phone is lost or stolen, please notify The Bank of Princeton as soon as you can. As an extra precaution, sign into your online banking account from a computer and change your password. You may also select "stop using this device for mobile banking" under the 'manage device button, under the 'options' tab. 

Why can’t I simply use my computer to access by account? 
You certainly can continue to use your computer. The mobile app provides added convenience and flexibility to your banking options. It's secure! You can easily set up text and email alerts.* How you chose to manage your banking relationship is clearly up to you. Mobile Banking...it's Easy...and Wise!

*Message and data rates may apply. Check your mobile service provider plan for details.


Personal Banking E-Statements, the easiest way to Bank Wisely.

What is an E-Statement?
An E-Statement is your personal account statement that is delivered to you electronically, and it's free!

Will my E-Statement look the same as my regular paper statement?
Yes. We even include the reconciliation page. Images of your cancelled checks are also included, if you currently receive those items.

How will I know when my statement is ready to view online?
On the first business day of the new month, we will send you an email notifying you that your statement is ready to view. Simply follow the link, log into your account, and choose which of your accounts you would like to view, and select your statement. It's that easy! You can then save it as a PDF on your own computer.

What is a PDF?
Adobe Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved, and printed using Adobe Acrobat Reader software, which is available for free at www.adobe.com

How do I save my E-Statements?
Once you have opened the document, you can save it by using the small disk icon on the toolbar of your Adobe Acrobat Reader Software.

How do I print my E-Statements?
Make sure your printer is connected to your computer. Then, using the Adobe Acrobat Reader toolbar, select the Printer icon. You can choose to print the entire statement or just certain pages.

What if I enroll but decide I would like to switch back to paper statements?
Simply notify us in writing or stop by one of our branches in person, and we will make the change.

What if I change my email address?

Just notify us in writing or come to one of our branches in person, and we will gladly make the necessary changes.

What other benefits are there to having E-Statements?
a. Saving paper is the nicest environmental benefit!
b. You can share your statements with your accountant much easier by just forwarding the PDF to them, if you saved it to your computer.
c. You will have your statement available to view quicker than if you received it by postal mail. 


Personal and DirectConnect (Business Banking Online)

How do I apply for Personal Banking Online and Business Banking Online aka: DirectConnect?
It's easy. The Personal Banking Online can be applied for from our website. From our Home Page, in the panel on the bottom left, click on "Register". Follow the simple step-by-step directions and you are ready to go. Business Online (DirectConnect) can be applied for at any of our branch locations. Simply contact
your customer service representative for details.

Are there any special systems requirements to use Personal Banking Online?
The only system requirements needed are access to the Internet and an updated browser such as Internet Explorer 5.5 or greater or Netscape Navigator 6.0 or greater.

Is Personal Banking Online secure?
Yes, Personal Online is very secure. In fact, you are required to use a browser with the highest form of encryption (128bit SSL) available for today's popular browsers. This means that information passing from your computer to the Bank's site is encrypted, making it virtually impossible for anyone to access your account information. However, we do ask that you take the following steps to maintain the security of your accounts and personal information:

• Memorize your Access ID and Password. Never write it down or reveal it to anyone. 

• Change Your Password often. It is a good idea to change your Password on a regular basis. You can do this by clicking on the "Change Password" button after logging in. 

• Log out after each session. Always click on the "Sign Off" button when finished with your computer. If you share a computer with other individuals, you may want to completely close the Internet connection after using Personal Banking Online. 

How late in the evening can I make an online transfer?
You can transfer funds 24/7. However, the transfer cutoff time for current day's business is 6:00 pm Eastern time, Monday through Friday. Any online transfers after 6:00 pm are on the next business day, so activity after 6:00 pm, Friday would be reflected in Monday's activity.

If a scheduled transfer falls on a weekend or holiday, when will the transfer occur?
Transfers scheduled for a weekend or holiday will occur on the first business day after the weekend or holiday.

How long will transactions and statements be available online?
By clicking on the "Current Statement" button, Personal Banking Online allows you to view all transactions posted since your last statement. Clicking on the "Previous Statement" button allows you to view all transactions that were on your previous statement.

When will ATM and debit card transactions appear in my balances?
ATM and Point of Sale transactions that are conducted prior to 3:00 pm, Monday through Friday, will be updated and reflected in your balances on the following business day. Transactions conducted after 3:00 pm will be updated and reflected in your balances on the second business day. Transactions conducted after 3:00 pm from Friday through Sunday will appear in your balance activity on the following Tuesday. Debit card transactions can take from 2 to 7 days, depending on how quickly the merchant submits the payments.


Bill Pay with iPay Technologies

How does Bill Pay work?
Customers sets-up his/her payees’ then schedule their payments from an account. The money is taken out of the customer's account on the day the payment is scheduled to process. iPay Technologies processes the payment and sends the money to the payee via ACH or by check.

Can I schedule my payments ahead of time?
Yes, you can schedule a payment ahead of time or fill out a payment as a recurring payment.

How do I sign up for Bill Pay?
Simply by filling out the online enrollment form and agreeing to the terms and conditions.

How soon are the funds taken out of my account?
Funds are taken out of the account on the day the payment has been scheduled to process.
The Bank of Princeton has chosen 4:00 pm as the cut off time funds will be taken out of the customer’s account on the day the payment has been scheduled to process.

Can funds be placed back into my account?
Yes, if you request a stop payment.

How do I verify that my payee received my funds?
The best method of verification is for the customer to contact the payee directly; our customer service department can also help with payment verification.

What happens if my payee does not receive my payment?
You can contact
our customer service department and we will investigate the issue. If the payment was lost we will send another payment.

What happens if my computer crashes? Will my payments go out on time?
Payments will go out on time as long as you have hit "submit payments" on the payment screen. If your computer crashes and payments have already been scheduled the payments will go out as planned. If you are not sure, log in to iPay from a different computer to verify.

Is there any chance that I can lose my payee information?
iPay Technologies keeps the payee information on the server. The payee information is stored for each customer on our site.


Lost or Stolen ATM/Debit Cards
What if my ATM/Debit card is lost or stolen?

To report a lost or stolen ATM/Debit card, please call 1.800.554.8969 immediately after  discovering that the card is missing. You may then contact the bank during normal business hours to request a new card.