About eNSB

  1. What system requirements are necessary to use eNSB?
  2. How easy is eNSB to use?
  3. When can I access my accounts?
  4. Where can I access my accounts?
  5. How much does eNSB cost?

Using eNSB

  1. How do I access my accounts?
  2. What happens if I type in the wrong User ID or PIN?
  3. How do I move around within the eNSB online banking system?
  4. How do I view images of my checks?
  5. Changing your User ID.
  6. How do I rename my accounts?
  7. How do I log off the site?
  8. How frequently is information updated?
  9. After sign up, where do I direct questions?
  10. What can I do in eNSB?
  11. How do I print out my statement?

About Bill Payments

  1. How do I access Bill Payment?
  2. What do I do first?
  3. Will my bills be paid electronically or by paper check?
  4. What if my vendor is not on the electronic Payee List? Can Bill Payment send a paper check for me?
  5. How long will it take for my payments to be made?
  6. Will Overdraft Protection cover my account balance?
  7. What if my account overdrafts while paying my bills?
  8. May I send a payment outside of the United States?
  9. May I set up my payments to occur regularly each month?
  10. What if my payment amount varies each month?
  11. How do I stop a payment?
  12. May I assign check numbers to my payments?
  13. What if I paid a bill as indicated on my statement, but my vendor never received the payment? What do I do?
  14. How do I change the vendor or payee information?
  15. Is there a fee for eNSB Bill Payment?

About eNSB

Q. What system requirements are necessary to use eNSB?

A. You need the following:

  • Windows-based, Macintosh based or WebTV hardware.
  • Internet connection of 56K or higher (recommended). Other connection speeds may be used but will have slower response times.
  • 128-bit encryption (the eNSB system will check this for you and if necessary, direct you to the location for a free upgrade).
  • Internet browser (e.g. Internet Explorer, Firefox, Safari, etc.).

Q. How easy is eNSB to use?

A. You only require basic computer keyboarding, mouse and Internet skills.

Q. When can I access my accounts?

A. You may access your accounts online 24 hours a day, any day of the week.

Q. Where can I access my accounts?

A. eNSB is Internet-based, so you can access it from any computer. We recommend you only use computers you are familiar with that have up-to-date anti-virus and anti-spyware programs installed. In general, computers in public places like libraries, hotels and Internet cafes are not safe and should not be used to access any personal account information.

Q. How much does eNSB cost?

A. There is no charge for basic eNSB online banking services, such as account inquiry and eStatements. Certain functions, such as consumer Bank-2-Bank transfers, are subject to fees.

Businesses may also inquire about eNSB for Business, which allows companies to use Automated Clearing House (ACH) and wire technology to make payments. There are fees for these services.

Using eNSB

Q. How do I access my accounts?

A. Access your account by:

  1. Click on the eNSB Login button in the upper right corner of this page.
  2. If you are new user and do not have an eNSB ID, click “Sign Up” in upper right corner, and follow the step by step directions provided.
  3. If you have already been issued an eNSB ID, enter your ID in the box and hit submit.
  4. Enter your Personal Identification Number (PIN).
  5. Click on Login.

The first time you log on, a message may appear, "Do you want Windows to remember this password, so that you don't have to type it again?" (This feature is in Internet Explorer browsers). For maximum security, you should click the "No" button. If you select "Yes," anyone with knowledge of your User ID will be able to access your account information.

DO NOT SHARE OR LEAVE YOUR PIN ACCESSIBLE TO OTHERS. Each user on the same account should have his / her own User ID and PIN.

The first time you log on, you will be prompted to change your Personal Identification Number (PIN).

  1. Enter the PIN that was mailed to you or provided at sign-up.
  2. Enter your new PIN (6 - 25 alphanumeric characters).
  3. Enter your new PIN again to confirm.
  4. Click on the "Submit New PIN" button.

Q. What happens if I type in the wrong User ID or PIN?

A. If you see the message, "Invalid eNSB ID or PIN," check your information and carefully enter your eNSB ID and PIN again. For your security, eNSB is locked after 3 unsuccessful attempts to access the site. You will need to contact us at 1-802-485-5871 or 1-800-672-2274 to request an eNSB PIN reset.

Q. How do I move around within the eNSB online banking system?

A. Use your mouse or tab to move from one field to the next.

Q. How do I view images of my checks?

A. Simply click on the check number.

Q. Changing your User ID.

A. The initial User ID supplied to you will be 12 characters. You may personalize this User ID by changing this User ID after the first log-in. Any word or combination of letters or numbers will work, provided it has not been assigned to another Bank customer. The limit is 25 characters.

  1. Click on "Personal Options."
  2. Select "Personal".
  3. Enter your new ID in the box next to personal ID.
  4. Click on "Submit".

Q. How do I rename my accounts?

A. Initially your account names will identify the type of accounts you have (e.g. savings, checking, loan). You may rename them if you wish (for example: Vacation or Taxes).

  1. Click on "Personal Options."
  2. Click on "Account".
  3. Enter your new account name next to the appropriate account.
  4. Click on "Submit".

Q. How do I log off the site?

A. Going to another website will not log you out of the eNSB online banking system. To log off, you must click the "Exit" button. As an added security feature, the system will time out after a certain length of inactivity. You will need to log in again after the system times out.

Q. How frequently is information updated?

A. Balances will be updated immediately.

Updates between eNSB and other banking channels will occur periodically.

Keep this information in mind if you are using other banking channels such as ATMs or debit cards; balances on these devices may be different.

Q. After sign up, where do I direct questions?

A. It depends on the question...

System requirement questions (i.e. you do not know if your system meets the minimum requirements) should be directed to your computer manufacturer or retailer.

Internet and browser questions (i.e. you are unable to access the Internet) should be directed to your Internet provider.

MS Money or Quicken questions - refer to your user manual or contact the software provider. The eNSB system provides a download file that can be imported into your personal financial software but does not update your software directly.

eNSB questions (i.e. I am on your website but can not access eNSB, I have forgotten my user name or password, or how do I...) should be directed to Northfield Savings Bank:

  • You may contact us directly.
  • During business hours, you may contact us by phone at 802-485-5871 or 1-800-672-2274.
  • If you prefer to contact us in person, our Branch Managers and Business Bankers will be happy to assist you.

Q. What can I do in eNSB?

A. You can:

  • View account information.
  • View current transactions.
  • View or download previous statement (this option will be available the first time you receive a statement after signing up for eNSB).
  • View range of transactions between dates.
  • Transfer funds from this account.
  • Enter stop payments. Note: there is a fee for this service.
  • Customize your menu options, so you can quickly access the functions you use most frequently.
  • Download account data to import into software, such as MS Money or Quicken.

Q. How do I print out my statement?

A. You can view your statement as a web page (select "View HTML Format"), or download it as a text file for printing. If you have Adobe Acrobat, you can also download your statement as a PDF file and print it in that format.

About Bill Payments

Q. How do I access Bill Payment?

A. Just sign on to eNSB. Bill Payment options are on the upper left side of the screen. Click on the menu to choose your options.

Q. What do I do first?

A. Before paying bills, you must create your list of payees (or vendors) and the required information. Have your bills in front of you to avoid timing out. Choose "Payees." You will have the choice of electronic payment or having Bill Payment generate paper checks for you. Choose "Add Payee" on the right side of the screen.

Q. Will my bills be paid electronically or by paper check?

A. Ideally, you want to send your payments electronically. Type in the payee. If your electronic payee is listed, click on it and verify the address. Always add your account number and telephone numbers.

Q. What if my vendor is not on the electronic Payee List? Can Bill Payment send a paper check for me?

A. Yes. Type in the required Payee information one time. Complete every field -- even if you have to be creative (e.g. invent an account number for your babysitter).

Q. How long will it take for my payments to be made?

A. If paid electronically, the payment can be made by the next business day or on any day that you indicate in the section labeled "variable payment." If paid by paper check (generated by Bill Payment), please allow 5-7 days. Plan ahead to allow paper checks to be sent through the U.S. Mail.

Q. Will Overdraft Protection cover my account balance?

A. Be sure your account has sufficient funds to cover each payment (neither Overdraft protection nor Commercial Sweep Accounts will function on Electronic Bill Payments.)

Q. What if my account overdrafts while paying my bills?

A. If your payment is made to an electronic vendor, your transaction will not be processed until there is enough money in the account to cover the transaction. If your payment is made to a vendor who only accepts checks, your bill payment will be treated the same as any other check. This may overdraft your account and you will be subject to overdraft fees.

Q. May I send a payment outside of the United States?

A. Payments may be sent to payees with United States addresses only.

Q. May I set up my payments to occur regularly each month?

A. Yes, recurring payments may be set weekly, biweekly, monthly and so forth. Payments may be set up in advance as well.

Q. What if my payment amount varies each month?

A. The amount of your payment can be the same each cycle or can vary. If you choose variable payment, the amount will reset to zero. The system will not pay this bill until you re-enter the new amount each cycle.

Q. How do I stop a payment?

A. Any payment requested between 2 a.m. and 12 p.m. may be stopped prior to 12 p.m. on the payment day. Any payment requested between 1 p.m. and 2 a.m. may be stopped before 2 a.m. All times are approximate. Just choose "delete transaction". For further assistance, please contact our Call Center.

Paper checks can be stopped (prior to receipt by payee) by calling us at 802-485-5871. You will need to provide the transaction information. Select "View Payment History" to gather the check number, date, payee and transaction amount. There is a fee for this service. See our Service Fee Schedule.

Q. May I assign check numbers to my payments?

A. Bill Payment automatically assigns sequential numbers for you, starting with 6000000 in each account. If you are paying bills from more than one account, you may see duplicate automatic check numbers.

Q. What if I paid a bill as indicated on my statement, but my vendor never received the payment? What do I do?

A. First review "View Payment History" to assure that you included the correct account information and address, then contact the payee. Determine whether your payee will accept a copy of your statement of Bill Payment transaction as proof of payment, which you can provide them. Otherwise, contact us for an Electronic Dispute Form.

Q. How do I change the vendor or payee information?

A. Because Bill Payment does not allow edits to the address field for security reasons, you will want to delete the current payee and set up a new payee with the new information, like a new address. If your payee has been subsequently added to the electronic payee list, add it to your list and delete the paper check payee.

Q. Is there a fee for eNSB Bill Payment?

A. There is no fee for bill pay from personal checking accounts. Bill Pay is also available to commercial customers for a small fee.