Online Banking FAQs

You may change your password by logging into Online Banking and clicking the "Change password" option under the "options" drop down menu at the top of your screen.

If you have forgotten your password and are locked out, please call us toll free at 1-877-751-5755. Our office hours are Monday through Friday from 8am until 6pm

On our enrollment form, you may list the Bank of the Carolinas accounts that you would like access to. You must be an owner or signer on the account to access it.

* Normal stop payment fee of $30.00 applies

** You must enroll in Online Bill Pay to use this service.

Simply print and complete our enrollment form and mail or fax it to the location on the form. Or you may drop it off at one of our local branches. We will mail you a temporary password within 2-3 business days of receiving your enrollment form.

You may enroll in Web Bill Pay on the same form or by clicking on the web bill payment enrollment button in online banking. If you cannot view the Web Bill Payment button in online banking, please contact us toll free at 1-877-751-5755. Our office hours are Monday through Friday from 8am until 6pm

Your browser is an important part of the overall security measures designed to protect your Internet banking transactions. Please consult the information below to make sure you are using suported browser/system requirements.

• 56K Modem (40kbs)
• Monitor set to 800 X 600 (16 bit)
• Pentium II, 233MHz
• AOL, WebTV, Earthlink & Compuserve dial-up users should minimize their connection window and launch a supported Internet browser from the Start button. Supported browsers are listed in the table below.
• Cookies enabled.
• JavaScript enabled.
  

Beta versions of Internet browsers are not supported on any operating system. The table below lists supported Operating Systems and browsers.  Prior to downloading any browser, please review each browser's system requirements.

Our checking account customers enjoy Free Online Banking and Free Unlimited Web Bill Pay. 

No, only one individual is allowed per access ID. Joint account holders should enroll separately.

Yes!  You can export transactions into Quicken® or Quickbooks® files for easy download into your respective software.  From the "Transactions" drop-down menu in your account view, select "Export Transactions" and choose which file type to download. This feature is available for both Windows and Mac users.

At this time, personal online banking does not allow transfers to accounts at other banks. If you are a small business owner that requires transfers to other banks, you may consider using our Business Online Banking service.

Scheduled transfers allow you to set up an automatic transfer at a specific time for a specific amount.  Express transfers are one-time transfers. They do not show up on your scheduled transfer list. Once accepted by you, they are considered complete and transfer the requested funds once.

Yes, you will be able to click on your cleared check number which is hyperlinked in blue and retrieve front and reverse images of your checks. You will also be able to view your deposit tickets online.

Yes, you may submit a stop payment online. A reminder will be mailed to you that you must go to a Bank of the Carolinas branch to sign for your stop payment within 14 days in order for it to be effective. Normal stop payment charges apply.

Your payment date is the due date listed on your bill. Bill payments cannot be made on the due date. You must allow at least at least 5 business days for processing to avoid late fees and charges.

You must contact your vendors if you would like to stop receiving e-bills.

Ebill requests can only be generated from one website. If you have requested ebills from both your vendor and Bank of the Carolinas, you must contact your vendor to stop sending ebills and then sign on again from you online banking site. If you continue not to receive your requested ebills, please contact your vendor.

Our system ensures that data-exchanged between your PC and our computers are encrypted with 128-bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. 

Your statement will list web bill payments by the name you assign payees in your Web Bill Pay setup.

Checkfree's Web Bill Pay service issues both paper checks and electronic checks according to the vendor's preferences.

We are available Monday - Friday from 8:00 until 6pm to help you with your online banking needs. If you cannot reach us during those hours, you may email us at onlinesupport@bankofthecarolinas.com or leave a message by phone at 1-877-751-5755. We will return your call or email as soon as possible on the next business day.  Remember not to email sensitive information such as account numbers or Social Security Numbers, as email is not secure.