Q. What is KFBank Online? A. Online banking allows our customers secure and convenient access to their accounts using the Internet anytime, anywhere. Some of the functions available with Online banking are: Access and print information on all accounts including loans. Review and print transactions and statements. Confirm deposits, withdrawals and checks cleared. Transfer funds between accounts and make loan payments. Download transactions to the most popular financial management programs.     Q. How much does KFBank Online cost? A. KFBank Online is FREE!     Q. Do I have to register to use Online Banking? A. Yes, a one-time application is required to sign up for Online Banking. Once this form is received by the bank with your account information, we will issue a Bank ID number and a PIN (personal identification number). Upon your first visit to the Online Banking site you will be asked to select a PIN of your choice and that PIN will be used whenever you access Online Banking.     Q. What kind of browser do I need to have? A. You will need a connection to the Internet, and a Web Browser that supports 128-bit SSL encryption. Click here to test your browser for 128-bit encryption. Netscape Navigator 3.0 (or higher) or Microsoft Explorer version 3.02 (or higher) both supports this encryption. You may contact either of these vendors for a current copy of their browser. Online Banking works on any operating system that supports the browser listed above including, but not limited to, Windows 3.1, Windows 95, Windows NT and Macintosh. You also need accounts with our banks and an assigned user ID and PIN.     Q. How far back can I view my balance information? A. You can view your previous three statements as well as your current statement.     Q. When will my transfers show in my account? A. All same day transfers made Monday through Friday before 6:00 p.m. will show in your account immediately. Transfers will not be available on the ATM network until the following business day. All transfers made on a weekend, bank holiday, scheduled or requested after 6:00 p.m. will be processed one (1) business day later.     Q. What happens if I forget my pin? A. You are allowed 3 pin attempts before being locked out of the system for 24 hours. Your pin number will automatically be reset to the original number assigned to you by the bank. Your NetTeller ID will remain the same.     Q. What should I do if I think someone has my access codes? A. Immediately change your current PIN number and Personal ID under the "Account Management" option. Contact the bank at (606) 929-5000 during business hours.     Q. How current is the information about my accounts? A. Account transactions and balances are real-time and may change during the day as you carry out transactions.     Q. What happens if I open a new account after I am already signed up for Online Banking? A. New accounts do not automatically appear on the Online Banking system. Phone customer service and ask to have this account added to your profile. You must be sole or joint owner of the account to have it added to your profile.     Q. What happens if I don't log off of the system? A. NetTeller has a 10-minute time out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and Pin number.     Q. Can I change my User ID and PIN? A. Yes, you can change your User ID and PIN as often as you want. Simply click on "Account Management" and follow the simple instructions. The User ID cannot begin with a number but may include a number.     Q. What if I enter the wrong User ID or PIN? A. For security purposes, three consecutive invalid sign-on attempts will "lock you out" of the system for 24 hours. If you are locked-out, you need to contact customer service and we will reset your User ID and PIN.     Q. What if I forget my PIN? A. We do not have access to your PIN once it has been changed. However, we can reset your PIN back to your initial PIN and you can then reset your own preferred PIN. Just give us a call.     Q. Will I continue to receive a paper account statement in the mail? A. Yes, we will mail a copy of your account statement at the regular intervals.     Q. What if I get an error message? A. If you get an error message please make a note of the message, the error number and the time. Then simply call the bank and we will make every effort to resolve the issue as soon as possible. If you have a problem that we did not address in this section, please call and we will be glad to personally answer your question.