1. How do I enroll in VCB Online Banking?
   
2. How can I customize my personal information in VCB's Online Banking?
   
3. How can I export information from VCB Online Banking?
   
4. Where can I access my statements also referred to as “estatements”?
   
5. Where can I view more details about my loan and other accounts in Online Banking?
6. How do I change my VCB Online Banking password?
   
7. What is VCB Online Bill Pay?
   
8. How do I enroll in VCB Online Bill Pay?
9. How does VCB Online Bill Pay work?
10. What is the Online Bill Pay service guarantee?
11. How secure is my bill payment and personal information?

1. How do I enroll in VCB Online Banking?

You can self-enroll in Online Banking or visit your local branch to get started!

2. How can I customize my personal information in VCB’s Online Banking?

1. Login to your VCB Online Banking or Business Online Banking service.
2. Click on “Administration,” located in the top navigation.
3. Select one of the following options under the "Administer User" section:

   Sub-Menu Header	Related Page
   “Change Account Name”	Customize names for multiple accounts
   “Manage Contact Information”	Customize the email address connected to your VCB Online Banking account
   “Passmark”	Customize your authentication image, pass phrase and security challenge questions you are asked to verify your identification

4. Enter the requested information and click on "Submit."

3. How can I export information from VCB Online Banking?

With VCB Online Banking, you can export information for use with a personal finance application, such as Quicken^® and Quickbooks^®, allowing you to automatically import transactions and update balances.

1. Login to your VCB Online Banking or Business Online Banking service.
2. Perform an export of the transaction history for a specific account.
3. Choose "Open" this export file at prompt. Quicken or QuickBooks^® will automatically detect and process this history export file.
   Note that you can select one of several transfer formats from the Export Format drop-down list box, including:
   .CSV - Comma Separated - Microsoft Excel^®
   .QIF - Quicken
   .IIF - Quickbooks
   .QFX - Quicken version 2003 or later
   .QBO - Quickbooks version 2003 or later
   

Want to streamline your finances even more? Direct Connect instantly updates your VCB account information directly from within QuickBooks, eliminating the need to download and import transaction information.

Learn more about our Treasury Management Solutions or contact a representative at (571) 262-0878 for additional information.

4. Where can I access my statements also referred to as “estatements”?

In order to access your online statements, you will need to enroll in eStatements by clicking on the “eStatements” link under "Accounts" in the top navigation. Once you accept the Terms and Conditions, you will have immediate access to up to 12 months of your statements. Upon your acceptance, you will no longer receive paper statements.

5. Where can I view more details about my loan and other accounts in Online Banking?

Once you have selected your loan account, choose “Summary” under "Accounts” in the top navigation. This will provide you with several details, including the next payment date, the interest rate and the payment history for the past 6 months.

6. How do I change my VCB Online Banking password?

1. Login to your VCB Online Banking or Business Online Banking service.
2. Click on “Administration,” located in the top navigation.
3. Select “Change Password” from the sub-menu.
4. At each prompt enter the appropriate information:
* Current Password:
* New Password:
* Confirm New Password:
5. Click on “Submit.”
6. Continue to bank online with your new password.

If you forget your password, click on "Forgot your password?" below where you enter your password. This will walk you through an authentication process to automatically and securely change your password.

Be sure to sign up for Activity Alerts to notify you when your account information has been changed. The Alerts enrollment link is located under Administration in the top navigation and then under the "Manage Communications" section.

7. What is VCB Online Bill Pay?

VCB Online Bill Pay lets you pay your bills online through Virginia Commerce Bank. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay. With Online Bill Pay, you can:

• Pay all of your bills at the Payment Center. You can also see a summary of your pending payments and the payments you've made in the past 45 days.
• Receive some of your bills online in VCB Online Bill Pay. You can view and pay these bills at the Payment Center.
• Set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
• Review your bills and payments for the past six months. You can also export your payment information to a Quicken Interchange Format (QIF) or Quickbooks Intuit Interchange Format (IIF) file.

To learn more about Business Online Bill Pay, please send us an email or call 1-888-446-1483.

8. How do I enroll in VCB Online Bill Pay?

Once enrolled in VCB Online Banking, you are able to take advantage of Personal Online Bill Pay, which can be accessed through your VCB consumer checking account.

1. Login to your VCB Online Banking or Business Online Banking service.
2. Click on “Bill Payment,” located in the top navigation.
3. Select “Bill Payment” from the sub-menu.
4. Click on "Yes, Enroll Me" from the links in the center screen.
5. Read the "Terms and Conditions."
6. Click on the check box to verify that you have read the "Terms and Conditions."
7. Click on “Continue.”
8. Begin making payments by following the on-screen tutorial.

To enroll in Business Online Bill Pay, please contact your local branch.

9. How does VCB Online Bill Pay work?

To get started, you need to access your checking account via VCB Online Banking. Then select "Bill Payment" from the top navigation.

To start paying your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. Then enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. After you add your bills, you can go to the Payment Center. The Bill Payment section lists all of the bills you've added in VCB Online Bill Pay.

Tip #1: When you enter an amount, VCB Online Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one. You can pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

• The Pending Payments section provides a quick summary of the payments that have not been processed yet.
• The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.

Tip #2: You can set up bills in advance in Online Bill Pay. This feature is a big help when you’re going away on vacation and a welcome convenience if you’d like a bill payment to coincide with your direct deposit.

10. What is the Online Bill Pay service guarantee?

You no longer have to say, “The check’s in the mail.” Through Online Bill Pay, you get a confirmation number and peace of mind with each bill payment. Due to uncontrollable circumstances, particularly delays in handling and posting payments by billers or financial institutions, some transactions may take longer to be credited to your account. Our Online Bill Pay Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its due date as long as the payment was scheduled according to the guidelines described under "Payment Scheduling” in your Online Bill Pay Terms and Conditions.

11. How secure is my bill payment and personal information?

VCB Online Bill Pay uses several methods to ensure that your information is secure, including:

• SSL — VCB Online Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
• Encryption — VCB Online Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
• Automatic Sign Out — VCB Online Bill Pay automatically signs you out of a session if you are inactive for 15 minutes. It is best if you sign out immediately after you finish your tasks in VCB Online Bill Pay.

If you experience any difficulties accessing either VCB Online Banking or Online Bill Pay, please send us an email or call 1-888-446-1483 to reach customer service. Our customer service hours are 8:30 a.m. – 5:00 p.m. Monday – Friday, excluding holidays.