It's easy. Click on the Apply Button below and follow the steps on the application.  Or you can return to the home page by clicking on the Home Button below and then click on Online Banking. This will take you to the option of applying and then follow the steps on the application.

YES.  You will see an "s" on the end of "http" at the start of the website address. This "s" is there so you know you are on a secure site. Also, note the icon at the bottom of the screen that looks like a lock. This also shows that you are on a secure site.

NO.  Online Banking is a free service to those who have a Clay County Savings Bank checking account.  However, for Premier accountholders, there is a monthly charge for Bill Payment Service.  You will receive the first five (5) months of service free of charge.  When that five month period is up, you will be charged a  monthly fee of $4.95 for the first 10 bills. Additional bills after that will be charged at $0.50 each. This fee will be charged to your account at the end of the statement cycle.  Bill Payment Service is Free to Premier Plus, Premier 55 and Premier Rewards Checking accountholders.

Please see our Privacy Disclosure for Your Right to Financial Privacy (Click Here).

Please note that we will never request any personal information through the e-mail system, so do not respond to any e-mails that request any personal information.  You may, however, periodically receive e-mails from us to inform you of any suspicious activity on your online accounts.

You must be a Clay County Savings Bank customer (with a checking account).

Your computer needs to meet the requirements stated on the initial Clay County Savings Bank Online Banking page.

Go to "Help" in the toolbar and click "About Internet Explorer". This will tell you what amount you have on your computer.

For Cookies: Go to "Tools" in the toolbar and click "Internet Options". Click the "Privacy" tab and set to medium or low.

For Java Script: Go to "Tools" in the toolbar and click "Internet Options". Click the "Advanced" tab and make sure that the Java Script boxes are marked.

When you login, click the "Forgot Password" option and follow the steps.

You will need to click "Forgot Security Answer" at the Recover Password screen. Fill in the required fields correctly and your security question will be e-mailed to you. You can then answer the question so you can get your correct password.

Make sure you have the caps lock on or off. Remember that everything that is typed in is case sensitive.

Use the second sequence of numbers, at the bottom of your check, and drop the last two digits on that number sequence.  This will give you a 10-digit number, which is your account number.  Your account number will be masked in online banking to show only the last four digits, for security purposes.

Because we have set ownership levels that are specific to the SSN login. You may not be one of the designated owners, which include:

Owner

Co-Owner

Trustee

Co-Trustee

Custodian

How do I sign up to receive my deposit account statements, online (E-Statements)?

Go to "Customer Service" and click on "Apply for E-Statements".  You then click the "I Agree" box.  Use the drop-down arrow on the "Account Number" box to choose the account number to apply for Online E-Statement Alert & Delivery, then click on the "OK - Continue" box.  Your enrollment is then complete.  You will receive an electronic notification at the end of the next statement cycle alerting you that the most recent statement is available for viewing.

You need to go to "Search History" and fill in the correct fields.

Checking Account – 3 months

Savings Account – 6 months

Money Market Accounts – 6 months

Certificate of Deposit Accounts – Lifetime

Yes – When you view your account’s history, there an option to download it. You are given two choices: Download CSV Statement (Spreadsheet) or Download QIF File (Money or Quicken).  The QIF format can be downloaded and imported into Quicken and Microsoft Money.  NOTE: The Quicken Interchange Format (QIF) is a non-proprietary data format.  Most versions of Intuit's Quicken program have the ability to import or export files in QIF format.  Intuit, however, does not provide support for this format.  Quicken 2005 and above does not support the Import format.

Go to "Transfer Funds" and "Checking/Savings" and transfer the amount between two accounts.

Go to "Transfer Funds" and "Loan Normal" and transfer the payment from your deposit account to the correct loan account.

NO. These two transactions must be run simultaneously and you cannot pay extra to principal online.

You may make a payment on a HELOC, but it may not satisfy your monthly payment obligation and you may still get a monthly bill that must be paid.  Please contact the loan department (816-781-4500) if you intend to make your required monthly payment online.

Yes.  You need to go to "Customer Service" and click the correct option you want.

Go to "Customer Service" and "Usage Statistics". This will show you various information about your login name and what has been done under this login name.

Yes. You go to "Customer Service" and click "Apply Bill Pay".  You will have to choose a checking account that you wish to pay your bills from. There is no charge for Bill Payment Service for Premier Plus, Premier 55 and Premier Rewards Checking accountholders.  For Premier and Money Market accountholders, there is a monthly service charge. You will receive the first five (5) months of service free of charge.  When that five month period is up, you will be charged a monthly fee of $4.95 for the first 10 bills. If you go over the limit, you will be charged $.50 for each bill over 10 that is paid.

You need to choose the account you have Bill Payer set to and add payees. This sets up all those you wish to pay bills to. You can also edit payees that you have already set up. You can then choose all the different options it allows. You must fill in all red starred fields or you won’t be able to move forward to the next step.

You can pay bills either by electronic bill payment or by check.

What is Electronic Bill Pay?

We encourage the use of electronic bill payment.  Electronic payments provide improved payment efficiency and eliminate the need for a paper check to be generated.  Electronic Bill Pay is handled through MasterCard RPPS^®.   You also have the added security and comfort knowing that your payment will be paid on time.  It is easy to use.  When you schedule a payment to be made or add a bill payee, you will see a small blue box that will ask “Can this bill be paid electronically?” Once you click on the box, it will search for the payee to determine if it is in the system (note – you may need to modify your search depending on the payee description).  Once it finds the payee, just follow the simple steps to add the merchant.  Once you have added the payee, those payees will be marked with the E-Pay symbol.

Bill Payer checks are 7 numbers long and start with a "9". The first number "9" means Bill Payer. The next 3 numbers represent the payee number. The last 3 numbers are the actual day of the year the check was sent.

You can go to the history of the Bill Payer Checking Account and see where it says that the check has been sent. This just shows that it has been sent and will not affect the balance of your account until the check clears your account..

You can go to the history of the Bill Payer Checking Account and see where it says that the check number has cleared your account. It will clear just as any other check you physically write. When it clears your account, is when it affects your balance.