Online Banking

Online & Mobile Banking FAQ

Answers to the big questions about HB InstaLink, your new digital banking experience.

HB InstaLink

Q: What is HB InstaLink?

A: HB InstaLink is Honor Bank’s family of digital banking services. It includes online banking, mobile banking, e-statements, e-notices, and mobile deposit.

Q: Which accounts can I access through online and mobile banking?

A: You can access all of your Honor Bank accounts. In the mobile app, you designate which accounts you want to be able to access.

Q: How current is the information I see on the screen?

A: The information is continually updated by Honor Bank. 

Q: What kind of transactions can I perform?

A: You can perform all the transactions that you normally would at an Honor Bank branch, with the exception of withdrawals.

Q: Is it secure to bank online or with my phone?

A: Absolutely.

Q: Is my private financial information stored on my phone?

A: No, unless you take a screen shot or a memo of your private financials.

Q: What do I do if my phone is lost or stolen, or if I get a new phone?

A: If your phone is lost or stolen no one should be able to access your accounts without login information. If you get a new phone, you’ll need to download the Honor Bank app and enroll again.

Q: What if I forget my login information?

A: Contact your local branch and use your security word hint to retrieve your login information.

Q: Who can I contact with questions about mobile and online banking?

A: Please call Renaye Straley at 231.346.1810 or email her at [email protected] during regular business hours.


Mobile Deposit

Q: When will my funds be available to use if I use mobile deposits? 

A: Deposits made before 6:00 p.m. E.T. Monday through Friday will post the next business day, subject to the Bank’s Funds Availability Policy. Deposits after 6:00 p.m. E.T. or on Saturday or Sunday will be available after 2 business days.

Q: What do I do with the actual check after I have deposited it using Mobile Remote Deposit Capture?

A: After you receive a confirmation e-mail that your deposit was successful, write VOID on the front of the check. Destroy this check after 10 days.

Q: Why won’t my mobile app deposit this check?

A: There are several reasons why your check may not be deposited via Mobile Deposit:

  • Make sure you endorsed the back of the check and wrote under it “FOR MOBILE DEPOSIT ONLY” 

  • The picture may not be readable. Confirm that the image is in focus, with all check information readable, then take and submit another photo.

  • You may have exceeded the daily or monthly limit for Mobile Deposits. 

 

Retail

Commercial

Daily Count:

5

10

Daily Amount:

$1,000.00

$5,000.00

Monthly Count:

30

150

Monthly Amount:

$2,500.00

$30,000.00

Q: How do I use mobile deposit?

A: Sign on to your My Honor Bank app then follow these simple steps:

  1. Select the deposit function.

  2. Choose the account where you want to deposit your check.

  3. Enter the check amount.

  4. Take a picture of the front and back of your endorsed check with your mobile device. For the best photos, follow these guidelines:

    • Place your check on a dark-colored, plain surface that is well lit.

    • Position your camera directly over the check (not at an angle).

    • Fit all 4 corners in the guides of your mobile device’s camera screen.

  5. Submit your deposit.

Q: Are there any fees for using Mobile Deposits?

A: It’s free for both personal and business customers. 

Q: How will I be notified if there is an issue with my deposit?

A: If there are any issues with your deposit, you will be notified via e-mail. 

Q: What if I need a higher limit? 

A: We offer Retail and Commercial VIP limits. If you want a VIP limit, please contact your local branch manager or lender.  

 

VIP Retail

VIP Commercial

Daily Count:

8

15

Daily Amount:

$2,000.00

$10,000.00

Monthly Count:

35

200

Monthly Amount:

$5,000.00

$60,000.00

Q: Can I enroll for Mobile Deposit at my local branch? 

A: No, you’ll need to enroll with the Mobile Deposit app, which is very quick and easy. 

Q: What do I do if my phone is lost or stolen?

A: Quickly notify your mobile service provider so your device can be disabled. You can also contact us to deactivate your mobile number.

Q: If I use Mobile Remote Deposit Capture, are the images stored on my phone?

A: No. The images you capture are not stored on your device.


Bill Payments

Q: What is "Bill Payments?"

A: Bill Payments is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Q: Who can I pay with Bill Payments?

A: You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

Q: How do I start using Bill Payments?

A: The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  • Log in to your account and click the "Bill Pay" link.

  • Click the "Add a Payee" button on your home page dashboard.

  • Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

Q: How are online payments delivered?

A: Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Q: Is Bill Payments secure?

A: Paying bills online is one of the safest ways to pay your bills. Bill Payments helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Q: How long does it take before my payment is received?

A: Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Q: How are the scheduled payments processed with Bill Payments?

A: Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Q: What is eBill?

A: eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your Bill Payments account.

Q: How do eBills work?

A: eBills are delivered directly to your Bill Payments account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Q: Will I still receive paper statements when I have eBill?

A: You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements.

Q: How will I know if eBill is available for a payee?

A: If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill Payments dashboard.

Q: What are the primary benefits of eBill?

A: With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your Bill Pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

Q: What information is included in an eBill?

A: Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

Q: How do I pay an eBill?

A: To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

Q: How do I know when I have received an eBill?

A: You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.


Supported browsers, operating systems, and mobile devices

Honor Bank personal digital banking supported browsers include Microsoft Internet Explorer 9.0 or higher, Firefox 29.0 or higher, Chrome 34.0 or higher, or Safari 3.0.4 or higher. Supported operating systems include Microsoft Windows Vista or higher and Mac OS X 10.4 or higher. Supported mobile devices include iPhone with iOS 6 or higher and Android smart phones with Android 2.3 or higher. We recommend that you update your preferred browser to the latest version, though use of beta versions of browsers or operating systems is not recommended.


Forgotten Login ID/Password

Q: I have forgotten my login ID. What do I do?

A: For initial login to the new online experience, you'll need to enter your existing login ID. If you haven't used online banking in a while or have forgotten it, we need you to call us at 877-325-8031 for assistance.

Q: I have forgotten my password. What do I do?

A: If you haven't used online banking in a while or have forgotten it, we need you to call us at 877-325-8031 and we can reset it. You may also select the Forgot your password link, to reset your password. 

Q: I have been locked out of the system due to entering the wrong login ID or password too many times. How do I unlock my account?

A: If you have locked your account due to several unsuccessful login attempts, for your security you are required to contact us at 877-325-8031 to unlock your account.

Q: How can I change my password?

A: Once you have successfully logged on, you may change your password under the Options tab. 



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