Eas-E Net Secure Online Banking

Secure Bill Pay Service

Secure Online Banking
Get convenient access to your account balances, easily transfer money between your checking and savings accounts, and make Evans National Bank loan payments. With Eas-E Net secure Online Banking, you pick and choose the services that best fit your needs. And best of all, it's free and your privacy is guarded!

In addition, you can:

• Order U.S. Savings Bonds, Series EE and Series I
  
• Easily download your transactions to Quicken® or QuickBooks ® accounting software
• Print copies of your checks - front and back
  
• Receive e-Statements
  
• Order copies of checks and statements
  
• Order checks and/or savings slips
  
• Change your address
  
• Make Evans National Bank credit card payments

Secure Bill Pay
The optional Bill Payment service is free also! The Bill Payment service allows you to pay virtually anyone, at any time. You can even schedule to pay recurring bills, such as car, mortgage and insurance payments.

• Save time and postage with fewer trips to the post office
• Avoid late fees with scheduled payments
• Easily download your transactions to Quicken® or QuickBooks ® accounting software

Secure Business Online Banking
For our business customers, we also offer an optional CASH MANAGER module. CASH MANAGER provides you with access to your business accounts through Eas-E Net Online Banking 24 hours a day, 7 days a week. This fast, flexible tool lets you mobilize and position funds for maximum results.
You can view or print transactions, transfer funds between your business accounts here at Evans National Bank and accounts at other financial institutions, make tax payments, manage your payroll, and more! It's your window to making split-second cash management decisions.
For more information, click on Online Banking and go to our Frequently Asked Questions. Register today!

Secure Cash Manager
Evans National Bank's Cash Manager provides your business with access to your business accounts through Eas-E Net Online Banking 24 hours a day, 7 days a week. This fast, flexible tool lets you mobilize and position funds for maximum results.

You can view or print transactions, transfer funds between your business accounts here at Evans National Bank and accounts at other financial institutions, make tax payments, manage your payroll, and more! It's your window to making split-second cash management decisions.

Cash Manager is a powerful business tool that is easy to learn and use, with benefits such as:

Improve cash flow processing and funds management

• Transfer funds between your Evans National Bank business accounts and accounts at other financial institutions (ACH).
• Determine whether a check has cleared or a deposit has been posted to your account.
  
• History detail report shows all debits and credits to the account.
• View or print your account information in an easy-to-read format.
  
• You can enter specific ranges for dates, dollar amounts, debits or credits, and check numbers.
  
• Transfer money from one business account to another.

Automate your payroll

• Transfer funds directly to your employee accounts.
  
• Transfer funds to other payroll vendors.
  
• Transfer funds to your own payroll account.

Make payments from your account

• Make federal tax payments (EFTPS).
• Make payments to your vendors' accounts.
  
• Make payments for insurance, utility bills, dues and more through our Bill Pay module.

Safe and Secure

• Cash Manager security and control features ensure a safe and secure system.
• Multi-level access code protection allows you to control who uses Cash Manager and which functions can be performed. The ability to have multiple logins as well as multiple access levels gives you absolute control over not only what levels an employee can have but what time they can access the system.
  
• Complete reporting of your activity verifies your records.
  
• Send documents to Evans National Bank through our document repository.

For more information on Evans National Bank's Cash Manager, contact our Electronic Banking Specialists at (716) 926-2000 or email us at easenet@evansnational.com.

Unlimited Internet access with full array of choices:

• Local news, weather, sports, etc.
• Stock market quotes
  
• Surf the Net" capabilities
  
• Email (4 accounts with Outlook Express software)
  
• Choice of browsers and Search Engines (Netscape or Internet Explorer)
  
• 128-bit encryption
  
• No set-up fee
  
• 24/7 technical support at 1-866-829-3812
  
• Free software & online upgrades
  
• $13.95 each month and the first month is free!

Telephone Banking
Almost all your banking can be done right over the telephone with our Eas-E Line telephone service. Eas-E Line gives you access to complete account information and lets you make convenient transfers and payments with the touch of a button-24 hours a day. With Eas-E Line, banking fits your schedule. Call 926-2600 or toll free at 1-888-549-5140 outside of the 716 area code.

• Make your Evans National Bank loan payments
  
• Check your balance information
  
• Transfer funds between your Evans National Bank accounts
  
• Transact business while away or on vacation using our convenient toll free number
  
• Find out how much interest you have earned
  
• Retrieve information on pending items and specific checks or deposits
  
• Check our most current rates on savings accounts, certificates of deposit and loans
• Locate your nearest Evans National Bank branch location, phone number and ATM location
  
• Change your PIN quickly and easily, ... and much more

VISA® Debit Card

ATM Locations

VISA® Debit Card
Your VISA® Debit card is accepted across town and around the world, almost anywhere VISA® is accepted. The funds are automatically deducted from your checking account.
With an activated VISA® Debit card you can handle your everyday banking needs-24 hours a day just like any other ATM card with access to both your checking and your savings account balances.

Benefits

• It is a VISA® debit card and ATM card all in one
  
• Can be used almost anywhere VISA® is accepted
• No finance fees because the funds come directly out of your checking account
  
• Convenience of a credit card
  
• Quicker than writing a check
  
• Plus the benefits of an ATM card

How to apply
Visit any Evans National Bank branch to complete an application. Upon approval your VISA® Debit Card will arrive in approximately two weeks.

ATM Card

ATM Locations

ATM Card
Your Evans National Bank ATM Card can be used at ATMs throughout the world.

• Get cash from your Evans National Bank checking and savings accounts at ATMs worldwide
  
• Access your Cash Reserve Account (Overdraft Protection)
  
• Make deposits at any Evans National Bank ATM
• Transfer funds between Evans National Bank accounts
• Inquire on your balance at ATMs
• Purchase goods and services through Point-of-Sale (POS) terminals with the Money Pass™, NYCE™, or CIRRUS™ logo

Benefits

• Your Personal Identification Number (PIN) protects your account from unauthorized use
  
• Access funds in your account 24 hours a day
• No need to carry your checkbook
  
• Can be used anywhere the Money Pass™, NYCE™ or CIRRUS™ logo is displayed
  
• Option to receive a receipt after each transaction
  
• Monthly checking account statement shows the date, location and amount of each transaction
  
• Can be used worldwide
  
• No charge for withdrawals made at Evans National Bank ATMs

How to apply
Visit any Evans National Bank branch and fill out an application. Upon approval your ATM card will arrive in approximately 2 weeks.

Direct Deposit

Direct Deposit
Authorize direct deposit of your payroll funds, social security checks or pension funds into your Evans National Bank checking or savings account.

• Your funds are in your account as scheduled
• No need to forward your mail or have it held while on vacation
  
• No weekly or monthly trips to the bank
  
• Payroll, pension, and Social Security checks are safe without fear of losing a check or having cash around your home

Benefits

• No transaction fee or ATM surcharge for withdrawals made with an Evans National Bank ATM or VISA® Debit card from one of Evans National Bank's ATM locations
• You can verify your deposit with Online Access - Access your account information through Eas-E Net Online Banking, which includes our commercial Cash Manager module and through Eas-E Line telephone, 24 hours a day, 7 days a week
  

Electronic Fund Transfers
Authorize withdrawals from your Evans National Bank checking or savings account(s) for automatic payments of insurance premiums, loan payments, utility bills or similar recurring payments.
For guidance in initiating electronic funds transfer contact an Evans National Bank Personal Banking Representative at your nearest branch.

Electronic withdrawal limitations

• Transaction limits apply to SAVINGS accounts only
• Under federal regulations, you are allowed up to 6 pre-authorized withdrawals, per monthly statement cycle, which includes automatic, computer and telephonic transfers to another deposit account with us or to a third party
• It also includes transfers to a third party made by using an electronic banking card (i.e.- transfers to pay the purchase price of goods or services). No more than 3 of the 6 can consist of transfers to a third party made by using an electronic banking card
• There is no limit on deposits or the number of withdrawals you can make at an ATM, by mail, or at an Evans National Bank Branch