Online Banking & Bill Pay
Of course you can visit us at any time — but if that doesn't work with your schedule, you could simply go online for the same capabilities. Check balances, schedule transfers, pay bills, and more — available anytime, anywhere with internet access.
Bank of the Finger Lakes free online banking allows you to handle your banking without compromising or adding another task to your already-busy schedule. Get started with this free service today. There's nothing to lose — only freedom to be gained!
- Fast, free, and secure service with any deposit account
- Banking is more accessible; available 24/7 anywhere with internet access
- Manage a wide range of banking needs:
- Get up-to-the-minute updates on balances and transactions
- Schedule one-time or recurring transfers
- View transaction history
- View and download up to six months of account statements
- View and download check images
- Originate stop payments and view stop payment history
- Send secure messages to your banker
- Pay one-time or recurring bills whenever it's convenient for you:
- Schedule payments in advance
- Make overnight bill payments*
- Save money on postage materials
- Ensure your payments are received on time
- View reports
- Have all payment recipient information in one easy place
- Receive E-bills as well as email alerts for bill arrivals, due dates, and upcoming payments
- Download to money management software such as Quicken® and Quickbooks® products
- Save valuable time; avoid extra trips to a branch
*Additional fees may apply.
To learn more about online banking, view our helpful user guide.
View our online banking service agreement.
What You Need
All you need to use Personal Online Banking is any computer that can access the Internet, plus a secure browser, the latest releases of Internet Explorer, Firefox, Safari, and America Online are usually compatible, with a few exceptions. Please contact us for information about a specific version or browser type.
How Much Does it Cost?
There is no additional charge for our customers to use Personal Online Banking in order to access account information, download transaction files and transfer funds between accounts.
How to Enroll
New customers are invited to visit us at Bank of the Finger Lakes, a unit of USNY Bank to apply for an account and enroll in Personal Online Banking and Bill Pay.
Existing customers are invited to enroll in Online Banking by clicking the Enroll Now button above, then follow the easy instructions.
Enhanced Login Security
Your online security is important to us. That is why we have implemented a layered security system for enhanced login security on our Personal and Business Online Banking systems. Enhanced login security will help protect against online fraud by providing additional layers of protection beyond the routine online user ID and password that you currently use to login. Read more here.
Your Information is Secure and Private
You can feel as secure and confident as you do when you walk into a bank lobby. Personal Online Banking uses the highest level of security in the industry to guard the privacy of your account information and transactions. Get more security information here.
- Login Security
Your online security is important to us. That is why we have implemented a layered security system for enhanced login security on our Personal and Business Online Banking systems. Enhanced login security will help protect against online fraud by providing additional layers of protection beyond the routine online user ID and password that you currently use to login. It consists of three security questions and a personalized watermark feature that are used to verify your identity. They help prevent unauthorized access to your accounts and reassure you that you are at our official Web site.
When you are at your own computer, enter your Online Banking ID and then click submit. You should then see the watermark image that you established for your account to verify that you are using Online Banking at our Web site. You can then enter your Online Banking Password and know that your information is safe and secure.
If you do not recognize the watermark image, do not enter your Online Banking Password. You should double-check your Online Banking ID. If your Online Banking ID is correct and you still do not recognize the watermark image, you should contact a customer service representative at your bank.
In the event that the Online Banking system does not recognize you, you will be asked two of the original three security questions you established to verify your identity. For instance, if you are signing in from a computer our Online Banking system does not recognize, you may be asked to answer two security questions to verify your identity. When the system is confident that you are an authentic user, your watermark image will be displayed and you may proceed to enter your Online Banking Password.
The enhanced login security enrollment process is fast and easy. Once you have enrolled, you will logon to Online Banking the same way you always have, with your Online Banking User ID and Password. The enhanced login security happens behind the scenes and you are granted access as long as our system recognizes your computer.
For an additional security measure, Secure Tokens will be issued to certain Personal Online Banking and Business Online Banking customers who conduct monetary transactions that by their nature are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.
Your safety is our top priority. If you have any questions or concerns, please contact us at 315-789-1500 or email@example.com.