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Account Nickname

A name you give an account to make it easier for you to identify.

Accrued Interest

The amount of interest earned to-date on your CD.


A list of instructions used to complete computer tasks.

Annual Fee

The amount we charge you to have a credit card account with us. The fee is assessed once per calendar year. The amount of your annual fee varies based on the type of credit card account you have with us. The annual fee is charged to your credit card account just like any other vendor charge, and appears on your statement in the same billing cycle during which the fee was charged.

Annual Percentage Rate (APR)

The cost of the credit expressed as a yearly rate. It is based on the "finance charge" (which is the dollar cost of the credit) and expresses the dollar cost in terms of percentage cost on an annual basis. The APR is often higher than the interest rate because it is based on the "finance charge" which includes various charges for the loan as well as the interest that will accrue at the contract rate.

Annual Percentage Yield (APY)

A rate that reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

Available Balance

The amount available in your account that you can use right now.


A browser is a software application that allows Internet users access to World Wide Web (WWW) pages on their own computers.

Business day

Our bank defines a business day as Monday through Friday. All bank holidays are not considered business days. Our Bank holidays are defined by the Federal Reserve, which include but not limited to: New Year's Day, Martin Luther King Day, President's Day, Memorial Day, Independence Day, Labor Day, Veteran's Day, Thanksgiving and Christmas.


A piece of data given to a browser by a web server and handed back to the browser on subsequent visits. We use cookies at login registration and elsewhere when you enter customized information such as your zip code. Recording a cookie at such points makes your online experience easier and more personalized. It also allows us to recognize you as a customer and automate your online experience.

Current Balance 

The total of all transactions posted to your account as of the previous business day. Your current balance and available balance may differ.

Current Rate

The percentage rate of interest on an account.

E-mail (Electronic Mail)

Messages, usually text, sent from one person to another via a computer. E-mail can also be sent automatically to a large number of addresses.

Early Withdrawal

The act of taking money from a Certificate of Deposit (CD) before the CD's maturity date.

Early Withdrawal Penalty

The penalty you pay for withdrawing money from a CD before its maturity date. For example, if you have a 5-year CD, but you withdraw the money after only two years, you may be charged a penalty. Refer to your Terms of Agreement for Early Withdrawal.


The encoding of a file in order to protect its contents. This entails a word or group of words essentially written in a secret code language - a language useless to anyone but you and your bank, to protect that message from unwanted viewing or tampering.

FDIC Insurance

Each Bank depositor is insured up to $250,000 through the Federal Deposit Insurance Corporation (FDIC). Bank deposit products are checking accounts, savings accounts and certificates of deposit.


As used in reference to the World Wide Web, "hit" means a single request from a Web browser for a single item from a Web server; thus in order for a Web browser to display a page that contains three graphics, four "hits" would occur at the server: one for the HTML page and one for each of the three graphics.


Hypertext Markup Language is a language used to create documents and hyperlinks on the Internet.


Hypertext Transfer Protocol lets computer users exchange information over the Internet.

Index Rate

A variable interest rate that is tied to an index.

Interest Rate

The amount paid by a borrower to a lender in exchange for the use of the lender money for a certain period of time.


YTD The total amount of interest you have paid on your loan so far during the current calendar year.

ISP (Internet Service Provider)

An institution that provides access to the Internet in some form, usually for money.

LAN (Local Area Network)

A computer network limited to the immediate area, usually the same building or floor of a building.

Last Statement Date 

The last statement date is the date your last statement was processed.

Line of Credit

A loan commitment for a sum of money to be drawn against in increments during a specific period of time, usually under a loan agreement containing all of the terms and conditions controlling the line of credit.


A termination date or period of a note. For example, a 30-year mortgage has a maturity of 30 years.

Modem (Modulator Demodulator)

A device that you connect to your computer and to a phone line that allows the computer to talk to other computers through the phone system. Basically, modems do for computers what a telephone does for humans.

Notary Public

One who is authorized by the state or federal government to administer oaths and to attest to the authenticity of signatures.

Online Transfer

The electronic movement of funds from one account to another.

Outstanding Balance 

The amount currently owed on a debt.

PDF: Portable Document Format

Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved, and printed by using Adobe Acrobat Reader software. The basic Adobe Acrobat Reader software is available for free directly from Adobe.

Pending Payment

A payment that has been scheduled but has not yet been paid. A payment will stay on your Pending Payment list until the scheduled payment date.


A number or character that is used to identify yourself. This should be very unique in order to ensure privacy. We also suggest that your password be changed frequently.

Personal Identification Number (PIN) 

Your Personal Identification Number (PIN) is a security code that allows the Internet Banking system to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

Power of Attorney

A legal document that authorizes another person to act, either a specific act or generally, in the stead of the person drawing the instrument, terminable automatically upon the death of either party.

Prime Rate

A benchmark that a bank establishes from time to time and uses in computing an appropriate rate of interest for a particular loan contract.

Recurring Payment

A payment that is for a fixed amount and occurs at regular intervals, e.g., monthly.

SSL (Secure Sockets Layer)

A protocol designed by Netscape Communications to enable encrypted, authenticated communications across the Internet. SSL is used mostly in communications between Web browsers and Web servers. URLs that begin with "https" indicate that an SSL connection will be used. A secure site is one which supports SSL.

Telephone Transfer

The movement of funds from one account to another by phone.

URL (Uniform Resource Locator)

The standard way to give the address of any resource on the Internet that is part of the World Wide Web (WWW). The most common way to use a URL is to enter it into a WWW browser program such as Netscape or Microsoft Explorer.

User ID

Your User ID identifies you when you login to the bank Internet Banking website.

Variable Rate

An interest rate on a loan that during the term of the loan varies in relationship to some other rate, index or formula.

WWW (World Wide Web)

The universe of hypertext servers (HTTP servers) which are the servers that allow text, graphics and sound files to be mixed together.


A combination of hardware and software that separates a Local Area Network (LAN) in two or more parts for security purposes.

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