How secure is Kenn-e-banking?
Kennebunk Savings has installed dedicated servers for on-line banking and a firewall which act as a barrier between the Internet and Kennebunk Savings Bank's internal systems. All incoming information is routed through the firewall which verifies the source and destination of all information which is modified in a special way to permit access. This system also records all activity including sign on, sign-off and any unsuccessful access attempts. This system is further monitored 24 hours a day so that any suspicious activity may be immediately identified. There are a number of other steps that have been taken to ensure the security of this data and your transactions including 24 hour surveillance, real time reporting, automatic shutting down of your session if there is no activity for a set period of time and encryption. For more information about security please review our security policy.

What is Encryption? All information that is transmitted to us or from us is encrypted. This means that your information is scrambled while it is on the Internet so that it can be kept private and accessible only to you and to Kennebunk Savings. This is why we recommend you use the latest version of your Microsoft Internet Explorer or Netscape Navigator and make certain that your encryption is at 128 or higher. Click here to check your web browser security level.

What can I do to increase my security?
You can provide additional security for your internet banking activity. Here are some steps to consider:

	Never provide personal information requested via e-mail or an email link to a web site.  Kennebunk Savings Bank will never request confidential information through e-mail.  If you receive such a request, please notify us immediately by calling 1-800-339-6573.
	Always utilize the latest version of your browser, either Microsoft Internet Explorer or Netscape Navigator. If you are uncertain of the version you are using, go to "Help" on the menu bar and check, and then go to either Microsoft or Netscape to update your browser software if necessary.
	Do not disclose any of your on-line banking access ID's or passwords to anyone and do not write them down where they may be easily found.
	Change your passwords frequently. This is easy to do.
	Do not leave your computer unattended after you have signed on. If you are going to have to leave your computer, be certain to log off of any of your on-line banking services.
	Be sure to utilize up-to-date anti-virus software for all your Internet activity.
	For more information on how to prevent identity theft, visit the Federal Trade Commission's Identity Theft Web Site.

For more information about security please review our security policy.

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CheckFree General Information

How do I sign up for CheckFree Web Bill Pay?
Just go to the CheckFree Enrollment Page and follow the instructions to apply on-line. You will get two letters in the mail from CheckFree. One will list your CheckFree Access I.D. and one will list your CheckFree PIN. You will receive both codes and be able to start paying bills on-line within 10 days.

Do I need any special software or hardware to use the Web Bill Pay service?
To use the Web Bill Pay service, you only need a browser (capable of 128-bit U.S. Security Encryption) installed on your PC, e.g., the latest versions of either Microsoft's Internet Explorer or Netscape Navigator. If you do not have sufficient browser encryption, you will receive an "Insufficient Browser Encryption" error message when you try and log on to the Web Billing and Payment service. In addition to the error message, you will be provided with links to sites where you can obtain the required encryption upgrades for your browser.

How long does it take to sign up for CheckFree?
CheckFree requires a written application and will be available within 10 days.

Who can sign up for CheckFree Web Bill Pay?
Any Kennebunk Savings customer with a retail or business checking account in good standing may utilize CheckFree. There is a $6.00 monthly fee for CheckFree which will be deducted from your checking account statement.

Can more than one owner of a checking account use CheckFree?
Yes. More than one owner of a checking account may use CheckFree as long as all owners share the same Access I.D. and PIN.

If two or more owners wish to have different Access I.D.'s and PIN's for CheckFree on the same account, you will each be charged a separate $6.00 monthly fee.

Who can I pay using the Web Bill Pay service?
You can pay any individual or entity, except as listed below, as long as the individual or entity has an address in the United States or its possessions/territories (i.e., American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana Islands, Palau, Puerto Rico and the Virgin Islands) or be receiving mail at an FPO or APO address (APO - Abroad, APO - America or APO - Pacific).

Payee examples include: your monthly telephone utility bill, rent, credit card bills, day care, or sending a check to your son/daughter who's away at college.

The following payment types are prohibited through the Service:

1. Tax Payments

2. Court Ordered Payments

3. Payments to Payees outside of the United States or its possessions/territories as detailed above.

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CheckFree Technical Support

Looking for CheckFree Support?
For CheckFree support call toll-free 1-800-268-5652 or send an email to webpay.support@certegy.com.

How do I add a new payee?
To add a new payee, follow these steps:

1. Gather all the information about your payee before you start (address, phone number, and account number). This information should be located on your last bill or invoice from the payee.

2. Set up your Payee List under Payees by choosing Add Payee. Check to see if your payee is in the pre-defined list. If it is, all you need to enter is the your payee account number. If not, you will need to add a custom payee. Information needed is payee name, address, phone number, and your account number with the payee (if any).

3. Select a category, if you wish.

4. Select Continue. Enter the payee name, address, phone number, account number, and description (for your reference only).

5. Select Add Payee, and Yes to confirm your action.

What is the cut-off time for entering payments?
Scheduled payments made after 5 PM will be processed for the next business day. The earliest possible date to schedule a payment (four business days from today if before 5 PM Eastern Time) will be pre-filled on your payment screen.

How do I cancel a payment that I have already scheduled? What if the payment has already been sent?
Go to the Bills link, and select Payment List. Click on the Stop link next to the payment you wish to cancel, then select Yes to confirm your action. Note: if your payment is in process or has already been processed, you will not be able to cancel your instructions online. Contact CheckFree Customer Care toll free at 1-877-238-7275.

How do I change a variable or recurring payment?
Go to the Bills link, and select Payment List. Then select Edit next to the payment you wish to change. Make your changes, and then select Change Payment. Click Yes to confirm your action. Note: if your payment is in process or has already been processed, you will not be able to change your instructions.

How do I set up my payee for E-Bills?
The fastest way to add payees is to choose from the pre-defined list. All E-Bill capable merchants appear in this pre-defined list, and are marked by an asterisk (*) in front of their names.

To add a pre-defined payee:

1. Select Payees, then Add Payee.

2. Select the desired payee from the list.

3. Select a category, if you wish.

4. Select Continue.

5. Enter the payee account number (and zip code if prompted).

6. Select Add Payee, then Yes to confirm.

7. If the pre-defined payee is E-Bill capable, choose either Receive E-Bills or Auto-Pay E-Bills.

How do I know if a payment has been sent?
A list of all bill payment transactions are listed in the Payment List (under Bills). Payments are either designated as:

• "Pending", meaning the payment has not been processed,

• "Processing", meaning the payment is in process, or

• "Processed" if the payment has already been sent.

If the status is "Processed", the process date is given as well as the check number if the payment was sent by laser check.

How do I view my scheduled payments?
Your Payment List is found under Bills. The payment list shows all of the payments you have scheduled through the service for the past 30 days and 30 days into the future. The list can be filtered by payee or date range. Canceled payments do not appear in the Payment List; however, they are shown in Transmission History under Customer Care.

What do I do if my payee never received my payment/my payment is late?
If you have a question regarding a payment, use the Inquire feature within Payment List (under Bills) to send a Problem Report to CheckFree. The problem report will be sent by e-mail. Please provide a payee contact name (if possible), address, and phone number. CheckFree will respond to your inquiry within 48 hours. Check View Messages in Customer Care for responses.

What if I do not have an account number for one of my Payees?
Sometimes you will want to set up a Payee with whom you do not have an actual account number; however, the Web Billing and Payment system requires an account number value for every Payee that you establish. In these cases, simply type in an appropriate annotation (e.g., if paying your dentist for your child's orthodontic work, you could type in "Pat's orthodontic work" or "Pat's 10/15 appointment"; if sending money as a birthday gift, you could type in "Happy Birthday".) Note: The maximum length for this account number field is 25 alphanumeric characters.

How many days does it take for my payment to reach the Payee?
While it is anticipated that most transactions will be processed four (4) Business Days before your selected Scheduled Payment Date, it is understood that, due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your account with the Payee.

For this reason, it is necessary that all Scheduled Payment Dates selected by you be no less than five Business Days before the actual due date, not a late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Eastern Time [ET], for a payment to arrive on Friday.) Payment Instructions entered after the 8:00 p.m. ET Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges (up to $50 per late payment). In any other event, including but not limited to choosing a Scheduled Payment Date which is not five Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

What do I do with the part of the invoice or bill that I usually mail back to the Payee with my payment? Doesn't the vendor need that to process my payment?
No. You can simply throw that part away. All of the necessary information is provided by CheckFree to the Payee with each payment.

Do I need to contact each of my Payees and let them know that I am going to be using an automated bill pay system to pay them?
No, that isn't necessary.

How do I delete a Payee?
See the service's online help for assistance in deleting a payee.

What do I do if one of my Payees' address changes?
Click on the "Payees" button on the main Web Billing and Payment menu, then select the View Payees option; here you will be able to change the address for any Payee you select (simply click on the Payee name and a screen will be presented where you can change the address.) Use the Web Billing and Payment system online help for additional assistance, if needed.

Can I schedule a payment in advance? How far in advance?
Yes. You can schedule a payment up to one year in advance of the payment due date. Do not forget to allow five business days in between the scheduled payment date and the due date. A good example of when you might use a payment that far in advance could be to pay annual dues to an organization or association, or to send a "birthday or anniversary" check to someone special. To state "Happy Birthday" on the check simply type this in the account number field. The Account Number field cannot be left blank.

What about payments I make every month for the same amount? How can I do this easily without repeating the payment request every month?
You can establish a recurring payment; a recurring payment must be made at a specified frequency (e.g., weekly, biweekly, monthly, quarterly, tri-annually, semi-annually, or yearly) for the same amount each occurrence. Use the service's online help for assistance in establishing a recurring payment.

Can I place a stop payment on a Web Bill Pay payment?
Yes, at certain times during the payment scheduling period, but only under the following conditions:

A bill payment is "In Process," starting at the Cutoff Time on the fifth (5^th) Business Day prior to the Scheduled Payment Date and continuing up to the Scheduled Payment Date. A bill payment is a "Pending Payment," starting from the time you enter Payment Instructions until the payment is "In Process." A bill payment is considered "Processed" on the Business Day you selected as the Scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring bill pay payments) by following the directions provided on the Web Bill Pay system Online Help. There is no charge for canceling or editing a Pending Payment.

Please note: we may not have a reasonable opportunity to act on any stop payment or cancellation order given after a payment is "In Process" and it is not possible to stop or cancel a payment which is "Processed." If you desire to cancel or stop any payment which is "In Process" you must call CheckFree Customer Care at 1-877-238-7275. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Stop payment requests will be accepted only if we have a reasonable opportunity to act on such a stop payment order. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. The charge for each stop payment order will be the then current charge for such service as defined in the Fee Schedule.

How is the payment sent to my Payee?
You will not always know if your payment is sent electronically or by paper check. While many payments will be made electronically, some payees cannot receive electronic payments (such as individuals). Those payees will be sent payments by paper check. For other payments, the Service will choose one of three payment methods to process your payments. Which method is used will depend on many variables; however, all transactions will be itemized on your monthly statement.

The three payment methods are:

1. All electronic payment - On the payment date you specify, an electronic credit is sent to your payee, and an electronic debit is sent to your account.

2. Electronic-to-Check payment - A check is drawn on the Processing Center's account and mailed to your payee several days prior to the payment date you specify. Funds are transferred electronically from your account to the Processing Center's account on the payment date you specify.

3. Laser-printed check - A check, drawn on your account, is mailed to the Payee. Payees receiving laser checks deposit them just like ordinary checks.

How does the payment post to my checking account and appear on my statement?
The payment may be deducted from your Payment Account by two methods:

1. via an electronic debit through the Automated Clearing House Association (ACH), or

2. via a draft drawn on your account and processed through the Federal Reserve System (as if you had written a check drawn on your checking account.)

The payment deduction method is determined systematically based upon CheckFree's operating procedures. All bill payments debited from your account will appear on your monthly statement. ACH debits will reflect the name of the Payee (e.g., XYZ Utility Company) as well as the date and amount; however, laser drafts will be reflected on your statement with simply a date and check number. All payments can be viewed with the Payee's name, payment amount and payment date by reviewing your recent payment history under the electronic Payment List option provided to you as part of the Web Billing and Payment service.

How do I terminate or discontinue the Web Bill Pay service?
In the event you wish to discontinue the Service, you must contact CheckFree Corporation within ten (10) days prior to the actual service discontinuation date. You must request the service discontinuation via the Web Bill Pay secure messaging system or by written correspondence sent via the mail. Written notice must be signed and sent to CheckFree Corporation at Financial Services Account Maintenance, PO Box 182477, Columbus, OH 43218-2477.

When is the money for my payments taken out of my account?
Your account will be debited on your scheduled payment date. If a payment is sent via laser draft, funds will be debited similar to a personal check (when the check is presented for payment).

What do I do if I forget my CheckFree password?
If you forget your password, you will need to call CheckFree Customer Care at 1-877-238-7275. We will send you a letter by US mail identifying your password.

How do I change my user name or password?
User name. To change your user name:

1. Click on the Customer Care link in the navigation area on the left side of the screen.

2. Click on the User Info link at the top of the screen.

3. Scroll down to the User Access Information form. Enter your new User Name. Your user name can be 4 to 10 characters in any alphabetical and/or numeric combination. Then, enter you password in the Old Password field

4. Click on the Change Access Information button to initiate the change.

Password. To change your password:

1. Click on the Customer Care link in the navigation area on the left side of the screen.

2. Click on the User Info link at the top of the screen.

3. Scroll down to the User Access Information form. Enter your Old Password.

4. Enter your New Password. Your password can be 4 to 20 characters in any alphabetical and/or numeric combination. Then, enter your New Password again for verification.

5. Click on the Change Access Information button to initiate the change.

Remember: Your user name and password will be case-sensitive, so you must enter both the user name and password exactly as you created them to access the service

What if I want to change my address or billing account for the service?
You can change the address on your account by clicking on User Info under CheckFree Customer Care. Please contact customer service at 1-877-238-7275 if you wish to change the billing account for the Bill Pay service.

What is Quick Pay?
Quick Pay allows you to pay more than one variable one-time payment on a single page, choosing either from your entire Payee List or from your Categories. Once you choose your payees or categories, all you need to do is complete the amount and date for each payee, and select Pay Bills.

What happens if my payment is not made on time?
With the CheckFree Guarantee, if the Service does not properly complete a bill payment on time, CheckFree will pay any late fees or finance charges (up to $50 per transaction) as long as your account is in good standing with the merchant. CheckFree will also be liable to you if we fail to stop a payment based on your timely order to do so. However, you are responsible for scheduling your bill payment sufficiently in advance of its due date, not its late date, to avoid the imposition of late fees and excess finance charges, in accordance with the Service Terms and Conditions.

What happens if someone gets into my bill payment account and schedules unauthorized transactions?
Through the CheckFree Guarantee, as long as you notify CheckFree within two (2) business days of when you first suspect fraud, your liability for unauthorized transactions is limited to only $50. This is similar to the protection provided by most major credit cards.

What are E-Bills?
E-Bills are bills sent to you electronically by the payee. You can choose to either have the Bill Pay service pay the bills automatically (under a certain dollar amount) through E-Bill Auto-Pay, or you can pay the bills according to your schedule and amount. Note: Not all merchants are set up for the E-Bill service. E-Bill capable merchants are indicated by an asterisk (*) in the pre-defined payee list.

Should I continue to pay my bill from a particular E-Biller with a check or Bill Pay until I receive my first E-Bill from that biller?
Yes. You should continue paying your bill as usual until you receive your bill through your online service. Most billers will use their established billing cycle, so you should receive your E-Bill around the same time of the month that you receive your paper bill now. If you have already paid your bill using a check and your first E-Bill is a duplicate, you can just file it away and pay your next bill using the service.

How do I know when I have new E-Bills to pay?
When you log on with your online service provider, you'll see the number of new bills, statements, and notices you've received. Also, you receive a reminder e-mail to notify you of new bills in your account mailbox if they have not been viewed within four days of delivery.

Will I still receive a paper bill in the mail from the E-Biller?
No. You will no longer receive your paper bill. However, you can print out any bill if you would like to keep a paper copy for your records. Your bills, statements, and notices are available online for six months from their arrival date; then they are archived.

When will I expect to receive my E-Bill each month?
You can expect to receive your bill at approximately the same time of the month that your paper bill arrives now.

If I don't understand something on my e-bill what should I do?
You have two choices for contacting an E-Biller: you can look in your bill for a telephone number or you can fill out an online support form. To send a support request to the E-Biller, access the appropriate Help location on their website. To find a telephone number, look for a Contacting Us or Customer Service section in the bill.

Without a check stub or a canceled check, how can I prove that I made a payment? One of the advantages of paying your bills using this service is that your payment cannot get lost in the US mail, and there are generally far fewer opportunities for errors to occur. However, in the event that you do need to provide proof of payment, there are many different tracking systems in place. Your bank statement will reflect debits to your account, showing the payee as the E-Biller. In addition, the service archives previous versions of your e-bills, and confirmation numbers for your bill payments.

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e-Statements General Information

How do I sign up for e-Statements?
We require your signature in order to set up your accounts for electronic statement delivery.  Simply print this form, fill it out, sign it and mail it to us.