The Citizens Bank's Internet Banking
Help & Frequently Asked Questions

What is Internet Banking?
What can I do with Internet Banking?
How much does Internet Banking cost?
What do I need to enroll for Internet Banking?
Can I begin using Internet Banking immediately?
How do I sign in?
What if I forget my Internet Banking Login ID or password?
What kind of computer equipment and software do I need for Internet Banking?
What should I do if my browser is rejected?
What security measures does Internet Banking use?
Is Internet Banking secure?
What does SSL mean?
What is encryption?
What is 128-bit encryption?

What is Internet Banking?
Internet Banking is an Internet-based service that provides you a safe and convenient way to do your banking. With Internet Banking, you can view your account balances, transfer funds, view cleared checks, send service requests to the bank and more.

What can I do with Internet Banking?
With Internet Banking you can:
  • Check current balances on personal checking, savings, money market, loan, mortgage, line of credit, Certificates of Deposit (CD), non-brokerage Individual Retirement Accounts (IRA) and most business checking accounts.
  • Transfer funds between your checking, savings accounts with us.
    View up to 12 months of account activity for your The Citizens Bank checking accounts.
  • View cleared check images.
  • View up to 12 Months of activity for your savings accounts.

Send online customer service requests to:

  • Reorder checks.
  • Inquire about a specific transaction.
  • Inquire about opening a new deposit account.
  • Inquire about applying for a new loan.
  • Ask a technical question.
  • Send and receive secure messages or questions from customer service.

How much does Internet Banking cost?
Internet Banking is free of a monthly service charge.

What do I need to enroll for Internet Banking?
  • An existing The Citizens Bank account
  • Internet access
  • One of the following recommended Internet browsers
    • Netscape 6.2 and higher
    • Microsoft Internet Explorer 5.5 and higher
  • An e-mail address

When can I use my Internet Banking Account?

Upon completion of the Internet Banking sign-up form, the Bank customer service department will review your information submitted within 48 hours.  Upon approval, you will recieve an email notice from the Bank welcoming you to the Internet Banking system.

You may also sign-up for Internet Banking at anyone of our branch locations during normal business hours.


How do I sign in?
Just go to http://www.nhcbanking.com and enter your Login ID and password in the sign in box on the center of the page.

What if I forget my Internet Banking Login ID or password?
If you forget your Login ID or password, you should call Customer Service at (229) 543-1001.

What kind of computer equipment and software do I need for Internet Banking?
To use The Citizens Bank's Internet Banking, the following relationship with The Citizens Bank is required:
  • A personal or business The Citizens Bank checking, savings or money market account.
  • An Internet Banking Login ID and Password.
  • A computer, a modem (28.8 is minimum), Internet access and a 128-bit encrypted browser - Netscape Navigator 6.2 or higher or Microsoft Internet Explorer 5.5 or higher.

What should I do if my browser is rejected?
If you're using an older browser version that is no longer compatible with Internet Banking you can go to the Netscape or Microsoft web sites and download a new browser version (www.netscape.com or www.microsoft.com). We do not recommend that you download beta versions. Once you have completed the download and installation of the recommended browser, you can return to the sign in screen and sign in to Internet Banking.

What security measures does Internet Banking use?
Internet Banking uses several different methods to protect your information:

All information within Internet Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and The Citizens Bank.

At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact The Citizens Bank's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating The Citizens Bank.
  • Encryption scrambles transferred data.
  • Data integrity verifies that the information sent by you to The Citizens Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Is Internet Banking secure?
Yes. The Citizens Bank is committed to making Internet Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Internet Banking also uses 128-bit SSL encryption.

To help protect your privacy while you are using he service, we will sign you out of the Internet Banking service after 10 minutes of inactivity.


What does SSL mean?
SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Internet Banking site, you are secure through our use of SSL technology.

What is encryption?
Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to The Citizens Bank. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and The Citizens Bank, encryption protects your account information so it can't be intercepted and read by a third party.

What is 128-bit encryption?
There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. The Citizens Bank uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.