Electronic Banking - First Online - Internet Banking

First Online allows you 24-hour access to your account information from the convenience of your home, office, or anywhere in the world. Please click the demo link to see all that First Online has to offer.

Benefits:

  • Check real time personal and business account balances - checking, savings, money market, loans, mortgages, CDs and IRAs
  • View account history for the past 90 days
  • Display check images
  • View and print statements for past 3+ years
  • Transfer funds
  • Pay your bills with FREE Bill Pay
  • History may be exported to your personal financial software
  • Request stop payments
  • Change address
  • Reorder checks
  • Account and date alerts (E-mail, SMS Text and Phone alerts)

To sign up for First Online, please call Account Services.

Mountain Home Customers call: (870) 425-1831
Pocahontas Customers call: (870) 892-5286
Jonesboro Customers call: (870) 935-8400

Click here to download the E-Banking Solutions brochure
 


Bill Payment

If convenience is important to you, we offer online bill payment. Simply add your payees, enter the amount, date, and account from which you are paying, and pay your bills from your computer. You save the time of writing checks and buying stamps.

Bills may be scheduled in advance if you will be away. You may schedule recurring payments like your mortgage, car payment, insurance - weekly, bi-weekly, monthly, or annually.


Test Drive - First Online

Personal Banking Demo: CLICK HERE to test drive the features of our First Online System for Personal Accounts.

For more information, please call or visit one of our offices or e-mail us.


Frequently Asked Questions:

First Online Navigation Guide
First Online Agreement & Disclosure

To view and print the documents you will need to use Adobe Acrobat Reader. If you do not already have this program - click here to download Adobe Acrobat Reader.

What are the website addresses to access your home pages, First Online or First Mobile?

Integrity First Bank Home Page = www.goifb.com
Integrity First Bank First Online = https://secure.goifb.com/fo/authentication/login.aspx
Integrity First Bank First Mobile = https://secure.goifb.com/mob/default.aspx

What do you have in place for safety and security measures on your website(s)?

Integrity First Bank's First Online system uses a combination of security technologies to protect data for the bank and for you, our customer. Many lines of defense are in place including password controlled system entry, a GlobalSign-issued digital ID for the bank's server, secure sockets layer (SSL) protocol for data encryption and firewalls.

Integrity First Bank will NOT, at anytime, ask for your current password. If anyone calls and requests this information, contact the bank immediately.

 

Multi-Factor Authentication

What is Multi-Factor Authentication?

Multi-Factor Authentication is a required solution to combine at least two of the three authentication factor types: what you know, what you have and what you are.

Why do I have to go through Multi-Factor Authentication?

This new multi-level authentication process is designed to increase the level of security on your accounts. The reason for this change is to comply with federal regulation requirements protecting transactional and account information by authenticating you as an authorized user.

Initial Procedures for Registering your computer with Multi-Factor Authentication:

  • From the bank home page, click on First Online to log in.
  • Enter Login ID – Use ID assigned to you by your bank representative.
  • Enter Password – Use temporary password assigned to you by your bank representative. *This temporary password will expire within 5 days from initial setup.
  • Choose secure access code delivery method (e-mail, SMS text, or phone call).
  • Click Continue *The access code will arrive in a few seconds. (Note: You may need to check your junk e-mail folder.) If none of these delivery methods are current contacts for you, please call a customer service representative at the bank to have this information updated.
  • Upon receipt, enter secured access code into the secure access code box.
  • Click Continue. (*Note: the access code will expire in about 20 minutes after receipt)
  • Activate your browser: Activate this computer for later use should be used on your personal computer. Give me one-time access only should be used when you are on a public computer.
  • Read and accept the First Online Agreement & Disclosure
  • Create/Verify your Online Profile.
  • Change your Password – Type the password provided to you by the bank representative in the Old Password box. Enter a new password of your choice in the New Password box and Confirm Password Box both.
  • The next time you logon, use your Login ID and the Password you selected. It is safer to decline having the computer save your password.
  • Access your accounts.

If you choose activate for later use: a cookie and a flash shared object are both installed on your computer and these items are only files used by First Online to verify you are who you say you are via your User ID and Password.

If you choose “one time use” the cookie and flash shared objects are not installed on your computer and you will be prompted each time you log into First Online for a Secure Access Code until you activate your computer for later use.

You will also be prompted to receive a secure access code if you use a different computer to access your First Online. You can register multiple computers but know each computer will have to be registered individually.

If the cookie is deleted either manually or by your computer during a regular system cleaning, your computer will still hold the Flash Shared Object and allow you to enter into First Online. If both are deleted you will be prompted to get another secure access code (cookie & flash shared object) before being allowed to enter into the system again. If your computer does not have Flash Player installed on it, the Flash Shared Object will not be saved to your computer but the cookie will be.

If you are repeatedly prompted for secure access codes, you have another option called a Challenge Code. A challenge code is an option for those customers who either use computers they do not own or have problems registering their computers. Some customers create challenge codes when they are unable to receive the secure access codes to their email or phone at an unregistered PC.

What is a cookie?

A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user. In this case, the cookie that is stored on your PC during login allows you to bypass the secure access code retrieval whenever you access First Online in the future. The secure cookie will periodically expire on your computer and will be required to remember your computer again.

How do I create a Challenge Code?

First you must log into First Online under a registered computer; which means you must go through or have already gone through and activated your computer for later use. Follow the steps below once you are signed into First Online:

  • Click on the Preferences Tab
  • Choose Security from the drop down menu
  • Open the Challenge Code Tab – *If you do not see a Challenge Code Tab your computer is not registered or you are not required to log in through Multi-Factor Authentication processes
  • Type in a Challenge Code that you will remember when using an unregistered computer. If you forget your challenge code, you must log into First Online under a registered computer to reset it.
  • Click on the button to Submit Challenge Code

*Note: Requirements relating to Multi-Factor Authentication state you must use two of the three options: something you know, something you have or something you are. The challenge code option only meets the something you know along with Login ID and Password also both being something you know therefore mutli-factor is not in place during access through a Challenge Code.

This option is not available for commercial customers.

How do I change my Secure Delivery Contact Information?

First you must log into First Online under a registered computer; which means you must go through or have already gone through and activated your computer for later use. Follow the steps below once you are signed into First Online:

  • Click on the Preferences Tab
  • Choose Security from the drop down menu
  • Open the Secure Delivery – *If you do not see a Secure Delivery Tab your computer is not registered or you are not required to log in through Multi-Factor Authentication processes
  • Enter your preferred delivery contact information. This contact information will be used for Secure Access Code delivery. You are allowed to enter up to three of each delivery method; email, phone number, SMS Text.

First Time User/Forgot Password Checkbox:

When you use this checkbox, you will be allowed one-time access to First Online without having to register your browser as the Password field is not required; although you will be prompted to receive the Secure Access Code through a delivery method you have setup with a bank representative to verify you are who you say you are. Once you are in the system and you have chosen a password or reset your password you will be allowed to access First Online. The next time you log in with your User ID and Password, you will be required to retrieve another Secure Access Code in order to register your computer.
 

First Online Retail Customers 
 

What is First Online?
First Online is our Internet Banking System that allows our customers access to their accounts 24/7 at any computer.  This service is protected with a user id and password along with a browser cookie and flash shared object for security and privacy.

What can I do through First Online?
24/7 Access to the following information:

  • Account Information
  • Real Time system allows you to check pending transactions and up-to-date balance information on all of your accounts
  • View & Print Statements for all accounts
  • View Account History and check images
  • Several options to search for transactions in history
  • Export transaction history into Quicken, Quickbooks, Microsoft Money or Excel spreadsheets
  • Funds Transfer – one time and recurring: Draft and Approve Options – Future Dated Options allowed
  • Bill Payments – one time and recurring: Draft and Approve Options – Future Dated Options allowed
  • Change of Address, STOP payment requests and Check Re-orders available
  • Copy transaction function to make a copy of a previously created transaction allowing you to edit the data inside the transaction prior to submitting it for processing
  • Customizable name, display order and history display options for all accounts
  • Account and Date Alert setup used for meeting reminders, balance alerts, birthdays, wake-up calls, interest changes and many more which will alert you by phone, SMS text or email.
  • Ability to Manage the Rights of users setup under the customer.  Assign permissions, account rights and transaction ability with specific limits.
  • Ability to share recipients for Bill Payments between all users or only a specific group of users setup under the same customer.
  • Dual-Approval option available to allow one user to create the transactions and get them drafted and another user to approve them for processing. The creator of the transaction can choose to notify the approver(s) of the transaction(s) via email or phone.  If the approver receives the notification via email, they are required to log into First Online (or First Mobile when available) and approve transaction from there.  If the approver receives the notification via phone, they are provided an option to approve the transaction right then after listening to the transaction details. Notifications can be sent to multiple approvers through multiple delivery methods for each.  Each approver may be setup with 3 phone, 3 SMS text numbers and 3 email delivery options.  The creator may also setup and email/phone confirmation to let them know when the transaction has been approved. 

Additional features:

  • Demos available for new customers on home pages
  • Multi-Factor Authentication – multiple layers of authentication requirements to protect your financial data from unauthorized access
  • E-statement sign up ability
  • Secure Mailbox to allow customers to communicate with the bank in a secure environment
  • Help Screens are available on all screens

What is required to access First Online?

  • A Computer
  • An Internet Connection
  • 128-bit encryption or better

Does it matter what type of Internet connection I have?

No, all Internet connections will work with First Online.

How do I know if I have 128-bit encryption?

If you have Internet Explorer:

  • Open Internet Explorer
  • Click on the Help Menu at the top
  • Click on About Internet Explorer
  • When that box comes up, it will show you the Cypher Strength = 128-bit or higher

Why can’t I get into my First Online account?

There could be several reasons you are not able to get into your First Online account. Here are the most common problems:

  • Your account has been locked out due to too many failed attempts to log into the system: You will need to call customer service at the bank to unlock your account.
  • The screen is asking me where I want it to send me a Secure Access Code but there aren’t any options for me to choose from or the options listed are not my current phone/email information: You will need to call customer service at the bank to update your Security Preferences (a.k.a. Secure Access Code Delivery Information). The system is designed to upgrade our customers to Multi-Factor Authentication Processes and your security preferences is either incorrect or not available for us to send you the code you will need to initially access the system. Please make sure to keep your security preferences updated. To do this:
    1. Sign onto First Online
    2. Go to the Preferences Tab
    3. Select Security
    4. Click on the Secure Delivery Tab
    5. Add/Edit/Delete your Secure Delivery Information

**If you do not see this tab, you are not logged in from a registered computer. See notes for “Initial Procedures for Registering your computer with Multi-Factor Authentication”.

Why do I keep getting asked to receive a secure access code?

There are three different scenarios that would require you to request a new secure access code. These are:

  • If once you are putting in your secure access code you are choosing the option of “Give me one time access to this computer” the system is not registering your computer and is only giving you access this one time which requires you to continue to prove you are who you say you are.
  • If your computer is set up to delete cookies stored on your computer the First Online system can’t recognize your computer any longer. You will either need to register your computer and set up a challenge code inside First Online or you will need to correct your computer settings to allow cookies to be stored by our First Online system.
  • If you have previously registered a computer but not specifically the computer you are using this time, it will require you to request a new secure access code. If you feel comfortable registering the computer you are currently working on as well as the previous computer, you are welcome to do that. If you do not want to register this computer as it’s not your computer or you do not plan to use it again to access First Online you can get a Secure Access Code and choose the option for “Give me one time access to this computer” and the system will let you in this time but the next time you try to use this computer to access First Online, it will prompt you for a new Secure Access Code. Each computer you use to access First Online will prompt you for a Secure Access Code until you register the computer for later use. We do not advise registering a computer that you do not own.

How do I update my First Online profile?

  • Log into First Online
  • Click on Preferences Tab
  • Select User in the drop down list
  • Make any changes that need to be made to this profile. *Especially your email and phone numbers
  • Click on Submit at the bottom of the page

How do I change my Password?

How to change your password:

  • Log into First Online
  • Click on the Preferences Tab
  • Choose Security from the drop down menu
  • Under the Password Tab you can change your password by entering your Old Password first then choose you new password and type your new password again in the confirm password box.
  • Click the button to Submit Password Change

What is a Secure Mailbox or Secure Messages?

The Secure Mailbox is setup for each user setup on First Online and carries over to First Mobile and Cash Management users as well. This is just like an email box but is only for communicating directly with bank employees through a secure connection. Inside this messaging system you can submit questions about your accounts or personal information. The bank will also update you on upcoming changes or feature enhancements through this messaging service.

What is Phishing?

Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and credit card details, by masquerading as a trustworthy entity in an electronic communication, like a web page, an e-mail or an instant message.

What is a Phishing Phrase?

You can add a phishing phrase that protects you from potential phishing attempts. Your unique phishing phrase will be displayed over the First Online login box to ensure that you are on our website, and not a fake site. You will need to click on the phrase to get it off your screen so you can log in.

Will I see my phishing phrase on all computers?

You will only see your phrase on all browsers through which you submit a phrase. When you submit your phishing phrase, it is effective on the individual browser used on the computer from which you established the phrase. However, as you submit a new phrase on another (second) computer or browser, the newly submitted phrase will be shared on all previously used browsers. In other words, you can set phishing phrases on many browsers but you can only have one phrase associated with your login ID, which is the most recent phrase you established and submitted.

What are Alerts and how do I use them?

First Online alerts are available for all customers automatically when they sign up for First Online. These alerts can be used to track changes on your accounts (Account Alert) or to remind you of specific events on specific dates (Date Alert).

To setup an alert:
   Log in to First Online
   Under the Preferences Menu, click on Alerts
   Click on Add Alert
   Choose whether you want to setup a New Account Alert or a New Date Alert
   The alert box will come up and you fill in what you want the system to alert you to.

Account Alert:
You will choose the account number to attach to your alert.

Choose what field will be changing to trigger the alert (example: Current Balance, Available Balance, Accrued Interest, Last Deposit Amount) *Note: the fields available in this list are set per account type.

Choose what trigger will be used. This is what will change inside the field to trigger the alert.

Choose the Amount you wish to set the threshold created by the trigger.

Decide if you only want to be notified on the first time or if you want to be notified every time this criteria is met.

Determine how you wish to be notified. There are four options here:

  • Send a secure message – this is an email message to your email account inside First Online – this will happen no matter what else you choose. This option is automatically additional to whatever else you want.
  • Send me an e-mail – This will take your personal email information and send you an email at any email address you set.
  • Call me – This will ask for a phone number and will call you at that phone number.
  • Send me a text message – This will take your phone number and will text you.

Example of an Account Alert:
Please alert me every time my available balance is less than $100.00 by email.

I would set my alert up like so:

  • I would choose the account number the system needs to watch
  • Field = Available Balance
  • Trigger = Less than amount
  • Amount = $100
  • Notify me on every occurrence
  • Send me an email to my email address of johnsmith@yahoo.com.

*The only part about the call or text message for alerts like this is it asks you for a time to text/call you instead of doing it when the criteria is met.

Date Alert:
*First you will need to jump to the right hand side of the date alert box and decide whether you want the alert to come annually or just one time on a specific date. If you want a specific date, when you choose that option it changes your options listed for the alert.

Let’s say we chose Notify me on a specific date.

Choose the date you wish to be notified on.

Choose what category this alert should be under such as: Anniversary, Birthday, Appointment, Meeting, Wake-up Call...

Choose what Note you wish the system to tell you. Ex: for a birthday reminder you can type “John’s Birthday” (without the quotes) and with a text or email it will let you know the alert is for John’s Birthday.

Determine how you wish to be notified. There are four options here:

  • Send a secure message – this is an email message to your email account inside First Online – this will happen no matter what else you choose. This option is automatically additional to whatever else you want.
  • Send me an e-mail – This will take your personal email information and send you an email at any email address you set.
  • Call me – This will ask for a phone number and will call you at that phone number. This option will not tell you the “note” section you typed in for your alert. It tells you the alert is also online (your First Online email account) and you can see the details there.
  • Send me a text message – This will take your phone number and will text you.

*The only part about a date alert is it doesn’t give you the options like it does in Outlook to set for recurrence other than annually; meaning you can’t set one alert and have it always tell you on Monday at 3:30 that you have a meeting today but you can set it to let you know every year that today is John’s Birthday.

Example of a Date Alert:
Please alert me on August 2nd at 4:00 for department meeting by text message.

I would set my alert up like so:

  • I would choose the alert to notify me only on a specific date
  • Category = Meeting
  • Note = Department Meeting
  • Send me a text message to 870-421-5555 at 3:45pm

How can I change the names of my accounts?

Want to change the account names for your accounts to make them more recognizable for you? If so, follow these steps:

  • Click on the Preferences Tab
  • Choose Account from the drop down menu
  • Find the column titled “Display Name” and type the new name you want this account to display as
  • Once you have changed your preferences, scroll down to the bottom and click on Submit Changes.

Your account names will now reflect the changes you have made.

How do I export my Account History to my accounting software or Excel?

  • Log into First Online
  • Click on the Accounts Tab
  • Choose History from the drop down menu
  • Under the Account Details section choose the drop down to choose the Account number you wish to export your history for
  • To the right of the Account Number click on the Display button
  • Choose the option Export to File from the drop down menu
  • To the right of the Display/Export button click on the drop down menu that says spreadsheet and choose the option you need to export to. The options are as follows:
    • Spreadsheet (xls) = Excel spreadsheet
    • Spreadsheet (csv) = Comma Delimited Text
    • Microsoft (ofx) = Microsoft Money
    • Quicken (qfx) = Quicken
    • Quickbooks (qbo) = Quickbooks
  • Once you have chosen the correct export type, click the Submit Button and follow the prompts to save the file to your computer.

How do I show more items in the History Screen?

Want to reduce or increase the number of items you can view at a time on your account history screen? If so, follow these steps:

  • Click on the Preferences Tab
  • Choose Account from the drop down menu
  • Find the column titled “Type” and choose whether you want to set a specific number of items to display on your account or a specific number of days you would like to see
  • Find the column titled “#” and choose the number of items or # of days you wish to view
  • Once you have changed your preferences, scroll down to the bottom and click on Submit Changes
  • Your account history will now reflect the changes you have made

Quick Links:

Quick Links allow you to quickly transfer funds, view pending transactions, go to account details or history, approve or cancel a transaction from the online activity screen or view transaction details. These links are found on the Account Overview Page to the right of the Current Balance on each account and on the Online Activity Page below the transaction status. A quick link looks like a small lightening bolt.

Copy Transaction:

Copy transaction is used to copy the details of a transaction in order to create a new transaction. Copy transaction allows you to change/edit any part of the new transaction created. You can use this feature to make duplicates of current transactions or to replace an incorrect transaction. If you use this feature to replace an incorrect transaction, best practices are to cancel the original transaction first and then make a copy of it. This will prevent duplicate posting of transactions.

List of First Online Transaction Statuses:

  • Active: Any transaction generated online that has been initiated within the last week, or is in a status that still allows action to be taken.
  • Drafted: Any transaction that has been put in a pending (Drafted) state by the user and can still be either approved or cancelled. Drafted transactions cannot be processed until the user approves them.
  • Authorized: When a transaction, such as funds transfer, has been approved by a user with approval rights, the transaction displays in the Authorized category under Online Activity. Authorized indicated that a user is ready for the Financial Institution to process the transaction.
  • Cancelled: When a transaction, such as funds transfer, has been cancelled by a user, the transaction displays in the Cancelled category in Online Activity.
  • Processed: When a transaction, such as funds transfer, has been approved by a user with approval rights and then later processed by the bank, the transaction displays in the Processed category under Online Activity.
  • Other: Any transaction that might have been unsuccessful (failed during processing), or does not fall under the previous categories.

****Please note: Cancelled transactions cannot be restored, so cancel only if you are sure you do not intend to send the transaction for processing.

What is Bill Payment?

Bill Payment is the feature used to pay your bills online. The Bank will generate and send a paper draft for your payment. After you have added a payee, their information will be saved on your payee list. This service allows you to schedule the bill to be paid today, a future date, or for a recurring payment. Bill Payment can be set to disallow an end-user access or require that another company user, with authorization rights, authorize the transaction. Limits may be required.

How do I set up a Bill Payment?

  • Click on Transactions
  • Choose Bill Payment
  • Click on Add Payee
  • Fill out all the information about the payee (or person/entity you wish to send a payment to)
  • Click Submit
  • Once you get back to the Bill Payment Screen, notice the column named Pay with check boxes underneath it.
  • If you are ready to pay this bill payment, you will check the boxes next to the payees you wish to pay.
  • Fill out the Amount box for the payment amount
  • Choose the date the payment needs to be submitted
  • Scroll down to the bottom and click on Submit Payments
  • Choose the Approve button to submit these payments for processing, or choose the Cancel button to cancel and start over.

When do transactions submitted through First Online post?

Payment submission times:

  • Funds Transfers are immediately processed
  • Stop Payments are immediately processed
  • Check Reorders and Change of Address forms are processed within 2 business days
  • Bill Payments are processed at 1:00 p.m. and 5:00 p.m. each business day. The debit from your account will post the night the bill payment is processed. The check is also created at that time and will be submitted for mailing the next business day. We tell our customers to submit their bill payments 10 days prior to the date the bill is due to allow for postal routing.

What do I do if I don't think my Bill Payment posted?

  1. Log into First Online
  2. Click on the Accounts Tab
  3. Choose Online Activity
  4. Do one of the two following options:
    a. Click on the Search button and fill in search criteria such as amount or date information then click   the submit button on the right OR
    b. Change the Transaction Status drop down to All and click the submit button on the right.
  5. You should find your bill payment transaction. What you will look for now will be:
    a. If the status of the Bill Payment is Authorized, that means it has not been processed yet but will be processed soon. You can double click on the transaction to view when the process date is scheduled for.
    b. If the status of the Bill Payment is Drafted, that means you have created the transaction but it was never approved or authorized to be processed. If the process date listed on this transaction has already passed you will have to resubmit the bill payment to be processed again. If the process date listed on this transaction has not already passed or is for today's date and it's prior to 5:00pm today, you can double click on the transaction and click the approve button at the top to submit the bill payment for processing.
    c. If the status of the Bill Payment is Host Failed, that means the transaction was not processed due to either insufficient funds in the account you were trying to pay the item out of, the account it was trying to be paid from is a closed account or there was some other reason for the transaction not being able to be processed.
    d. If the status of the Bill Payment is Cancelled, somewhere along the way the transaction was cancelled by you or someone who has access to your account via First Online such as another family member or someone you have authorized to use your account.
  6. If these options did not help you at all, please call our account services department for assistance.
Toll Free 877-428-6649 • Integrity First Bank Main Branches • Branch Locator Map
Mountain Home Market Main Branch • (870) 425-2101 • 502 South Hickory • Mountain Home, AR 72653
Jonesboro Market Main Branch • (870) 935-8400 • 400 East Highland Drive • Jonesboro, AR 72401
Pocahontas Market Main Branch • (870) 892-5286 • 1 Bank Plaza • Pocahontas, AR 72455
Rogers Market Main Branch • (479) 631-2330 • 207 North 24th Street, Rogers, AR 72756