Frequently Asked Questions

Q: Is BOC online and bill pay secure?

Yes. BOC has taken strong measures to ensure that your information remains secure and confidential. The following are different methods used to protect your account information:

  • Social Security Numbers and Employer Identification Numbers are not displayed.
  • If no action is taken once you are logged on the the service, after 10 minutes you will be automatically logged off.
  • Information will be encrypted at 40 bits to 128 bits, depending on what your browser supports

Q: What is BOC online banking?

BOC online banking means real-time access to your BOC account information:

  • Check your balances
  • See detailed views of your account activity
  • Transfer funds between BOC accounts
  • Send secure bank mail to BOC at any time.
  • Pay loan payments
  • Request reports

The types of accounts which, can be accessed include checking, savings, certificates, IRAs and loan accounts. You can also change passwords.

Q: Why is it important to select "Exit" when I'm finished using online banking, or when I walk away from my computer?

For your security, online banking will automatically end your session if there is no activity on your computer for 10 minutes. However, to reduce your risk of exposure, it is always better for you to end your session by clicking on Exit.

Q: Who can access my account information over the Internet?

Your user ID and password should only be known to you. Unless you have compromised your user ID and password by revealing it to someone else, you are the only one who can access your account information.

Q: What do I need to enroll on BOC online banking and bill pay?

  • A BOC account
  • An e-mail address
  • Internet access

Q: When are BOC online banking and bill pay available?

You are not limited to business hours. Whether you are at home, at work or on the road, it is available 24 hours a day, 7 days a week and 365 days a year with an Internet accessible computer.

Q. Can I check to see if I have full deposit insurance on my bank accounts?

The FDIC's Electronic Deposit Insurance Estimator (EDIE) is an interactive application that can help you learn about deposit insurance and calculate the insurance coverage of your accounts.

Q. I have an IRA and a trust account for my children. How can I find out if they are insured?

The FDIC provides a guide to deposit insurance - Insuring Your Deposits. The FDIC also provides more specific information such as FDIC Guide to Calculating Deposit Insurance Coverage for Revocable and Irrevocable Trusts.

Q. I have several brokerage accounts with stocks and bonds. Are they FDIC-insured?

 Insured Or Not Insured? is the FDIC guide to what is and is not protected by FDIC insurance. You may also refer to the guide on deposit insurance - Insuring Your Deposits.

Q. How does the FDIC work with other deposit insurers around the world?

The FDIC participates with several international organizations. For a list and links to the organizations, please visit International Deposit Insurance.

CheckFree Bill Pay Effective March 6th:

Q: Will I need a new User ID or password?

No.  When you click on the 'Payments' tab in online banking, it will take you straight to your bill pay.

Q: Will I need to set up all of my payees again?

Yes. You will need to add your account numbers and reschedule any payments prior to the new CheckFree bill pay system.