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Internet Banking Frequently Asked QuestionsGeneralQ: What exactly is Raymond James Bank Internet Banking?A: Raymond James Bank Internet Banking is your one-to-one connection with Raymond James Bank. With Raymond James Bank Internet Banking, you can pick and choose the services that best fit your needs. You can enroll for access only and get convenient access to your account balances, easily transfer money between your checking, money market, savings and loan accounts, or link up to our Customer Service Representatives. And best of all, it’s free! Enroll for Bill Pay and simplify the chore of paying bills - no more stamps or licking envelopes. Now, for only $5.95 a month for unlimited transactions, you tell us who, when, and how much to pay and we’ll do the rest. Q: I live in an area where there are no Raymond James Bank branches. Can I still use Raymond James Bank Internet Banking?A: Yes. As long as you have a valid account with us, you will be able to use Raymond James Bank Internet Banking anywhere in the world where you have Internet access, at anytime of the day or night. Q: Will I be able to view all of my Raymond James Bank relationships through Internet Banking, including my loans?A: Any loan held and/or serviced by Raymond James Bank is accessible through Raymond James Internet Banking. If your Fixed Rate Mortgage was sold to a secondary investor, they should handle any inquiries concerning those loans. Information concerning the servicing of your loan should be included with your closing documents. However, you may also call a Raymond James Bank Personal Banker toll free at 1-888-457-5626, Monday thru Friday from 8AM ET to 6:00PM ET, who would be happy to assist you in determining the status of your loan. Q: Will I be able to access my Raymond James brokerage accounts using Raymond James Bank Internet Banking?A: You may use Raymond James Bank Internet Banking to access any Raymond James Bank account. At this time, access to Raymond James investment accounts is not available through Internet Banking. However, deposits to your brokerage account from Raymond James Bank are still just a click away with Raymond James Bank Internet Banking Bill Pay! Just add Raymond James & Associates, Inc. to your payee list, noting the brokerage account to receive the deposit. Please contact your Financial Advisor concerning deposits from your brokerage account to Raymond James Bank. Your Financial Advisor can also provide you with information about Raymond James OnlinePlus for Internet access to your brokerage accounts. Q: Sometimes I can access the Internet but not Raymond James Bank Internet Banking. Do you have any scheduled system outages?A: System maintenance functions are normally performed the first Sunday morning of the month between 5:00 A.M. and 7:00 A.M. Eastern. Also if you initiate a transfer before 6:00 P.M. Eastern, the transfer will take place on the same business day. If you initiate a transfer after 6:00 P.M. Eastern, the transfer will take place on the next business day. SecurityQ: Is my financial information safe here?A: This Raymond James Bank Internet Banking service brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a RSA Security-issued Digital ID for Raymond James Bank's server, Secure Sockets Layer ("SSL") protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Secure Access and Verifying User AuthenticityTo begin a session with the Raymond James Bank's server the user must key in a login ID and a password. Our system, the Raymond James Bank Internet Banking service, uses a "3 strikes and you're out" lock-out mechanism to deter abusers from repeated login attempts. After three unsuccessful login attempts, the system locks the user ID out, requiring a phone call to Raymond James Bank to verify the password before re-entry into the system. Upon successful log-in, the Digital ID from RSA, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor. Secure Data TransferOnce the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by RSA Security, data traveling between the user and the server is encrypted with Secure Sockets Layer ("SSL") protocol. With SSL, data that travels between Raymond James Bank and the customer is encrypted and can only be decrypted with the public and private key pair. In short, Raymond James Bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session. You can check whether or not you have 128-bit security already installed in your browser. In Internet Explorer, click on Help-About Internet Explorer, and in the window you will see "Cipher Strength:" and it will give you your current security strength. In Netscape Navigator, if you click on Help-About Navigator/Communicator, it will tell you what version you have, if it is version 4.0 or greater, you utilize 128-bit encryption. Router and FirewallRequests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing all traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to Raymond James Bank. Using the above technologies, your Raymond James Bank Internet Banking transactions are secure. And, you can help safeguard your information and the banking system by protecting your password. The login ID and password combination is the only way to get access into your account. Please keep your login ID and password secure. Q: What is the difference between a 128-bit encryption browser and a 40-bit encryption browser?A: The difference between 40-bit (international) encryption and 128-bit (domestic, or strong) encryption is a matter of degrees. Software using 128-bit encryption is roughly 300,000,000,000,000,000,000,000,000 times stronger than 40-bit encryption. 40-bit encryption is OK for low-risk transactions, but no longer endorsed by respected cryptographers and computer scientists as adequate for financial transactions. They recommend at least 75-bit encryption. 128-bit encryption should be strong enough to prevent security breaches for more than 20 years. SoftwareQ: What software do I need to access Raymond James Bank Internet Banking?A: Raymond James Bank Internet Banking may be accessed on the World Wide Web by going to www.RaymondJamesBank.com. We require that you use a browser that supports 128-bit encryption, and suggest either Netscape Navigator version 4.0 or later or Microsoft Internet Explorer version 4.0 or later. Q: Is Raymond James Bank Internet Banking compatible with software that I already use to manage my money?A: Yes. Raymond James Bank Internet Banking can export transaction information to the leading financial management software packages available today, including Quicken®, Microsoft Money®, and any spreadsheet that can accept standard tab delimited files. Go to the History screen and follow the instructions to download transaction information for your accounts. Please note that since 128-bit encryption is one of the highest forms of data security available today, the U.S. Government restricts its use to citizens and permanent residents of the United States and Canada. Browsers that use 128-bit encryption may only be downloaded to locations in the United States or Canada. EnrollmentQ: What if I don’t enroll for Raymond James Bank Internet Banking Bill Pay initially and later decide that I want to enroll?A: You can enroll for Bill Pay anytime you want. To enroll, click on the Register with Internet Banking link within Raymond James Bank Internet Banking. Q: Can I use Raymond James Bank Internet Banking from more than one location?A: Raymond James Bank Internet Banking can be accessed on the World Wide Web. Go to any www.RaymondJamesBank.com page and click on the Raymond James Bank Internet Banking button to access your accounts from anywhere you have a secure Internet connection. Q: I share a checking account with someone else. Do we both need to enroll or can we share a Raymond James Bank Internet Banking account?A: Your bank-assigned login ID is your link to Raymond James Bank Internet Banking. Services such as Raymond James Bank Internet Banking Bill Pay are specific to the login ID that you are using to access the system. If your joint account has more than one number tied to it, you may not be able to access the same Raymond James Bank Internet Banking functions with each number. Likewise, registering multiple numbers for the same services will cause you to be billed multiple times. To ensure the best service, we advise that if you have multiple login ID's tied to your accounts please use one number for your access to Raymond James Bank Internet Banking. AccountsQ: What type of accounts are included in Raymond James Bank Internet Banking?A: You can access practically any personal or business Raymond James Bank account* you have, including:
*Business account users please note: personal and business accounts cannot be viewed together in Raymond James Bank Internet Banking. You must enroll and use your personal and your business accounts separately. Q: Can I have more than one checking account linked to Raymond James Bank Internet Banking?A: Yes. You can link all of your Raymond James Bank checking accounts to Raymond James Bank Internet Banking*. *Business account users please note: personal and business accounts cannot be viewed together in Raymond James Internet Banking. You must enroll and use your personal and your business accounts separately. Q: How current is this information?A: The available balance for checking and savings accounts is real-time and will change throughout the day based on your activity. For example, as you use Raymond James Bank Visa® CheckCard or ATM Card or transfer money between your accounts via Raymond James Bank Internet Banking, your available balance will be updated to reflect your activity. All other account information is current as of the end of day processing from the night before. Q: What if one of my accounts isn’t reported?A: If you don’t see an account reported on your Raymond James Bank Internet Banking Account Summary screen, please try again. Sometimes the system may be busy updating accounts and unable to access all of your accounts at the same time. This condition is very infrequent and short-lived. If two or three tries do not show all of your accounts, please send us an email and we will promptly investigate. Q: How can I get information about your current loan rates (mortgage, installment, equity) or current CD rates?A: You can find out more about what we have to offer by going to our Interest Rates page. Or, send a message to Raymond James Bank and a Customer Service Representative will be happy to discuss your needs with you. In many cases, new accounts can be opened for you over the phone - call one of our Customer Service Representatives at 1-877-874-BANK (2265) to discuss your needs. Q: Can I download transaction history to my PC?A: You can download your account activity to your PC and import the information into any financial management software that can accept "OFC" or "OFX" (Microsoft Money data file formats), "QIF" (Quicken data file format files), or spreadsheets that accept comma-delimited text format files. From anywhere in Raymond James Bank Internet Banking: 1. Click on the History button. 2. Click on the Export History button. 3. After selecting the options you want, click Submit. 4. On the account history export screen, follow the on-screen instructions to download your transactions. TransfersQ: What types of accounts can I transfer funds to and from?A: You can transfer funds between any of your Raymond James Bank checking and savings accounts within limits specific to your account*. Please refer to the Rules and Regulations for your account for more information. *Business account users please note: you cannot transfer funds between personal and business accounts in Raymond James Internet Banking. Q: Are there limits on the number of transfers I can make?A: Some accounts, such as checking accounts, have no limits on the number of transfers you can make. However, many savings accounts (including money market accounts), by Federal Regulation, are allowed no more than six pre-authorized withdrawals or transfers per month (including no more than three checks). If you’re unsure whether your account has this restriction, please refer to the Rules and Regulations for your account. Q: When will my transfer take place?A: If you initiate a transfer before 6:00 P.M. Eastern, the transfer will take place on the same business day. If you initiate a transfer after 6:00 P.M. Eastern, the transfer will take place on the next business day. Client ServiceQ: What if I have a question or need to talk to the bank?A: Just click on "About Us" at the top left of any www.RaymondJamesBank.com page to find the contact information for Raymond James Bank. Or call Raymond James Bank at 1-877-874-BANK (2265) to speak with a Customer Service Representative during normal business hours.
Privacy Statement
Products, terms, conditions and fees subject to change. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested. |
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