MidSouth Bank | Netbanking

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User Guide
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MidSouth Bank Netbanking User Guide

Getting Started
You can sign up for Netbanking here, or you can fill out an application at your nearest branch. After your application is processed, your Netbanking ID and instructions for activating your account will be mailed to you.

To ensure the highest security and best performance, you should use a browser that supports 128-bit SSL encryption, such as Netscape Navigator 3.02 or Microsoft Explorer version 4.0.

Internet Sign-on Screen
To begin banking online, enter your Netbanking ID and PIN on any page of the MidSouth Bank website. Then click on the Login button. You can then access MidSouth Bank's online banking services. After you have entered your Customer ID and PIN, click on the Begin Banking button to submit your sign-on information.

Netbanking Customer ID
A 12-digit number assigned by MidSouth Bank. Once you're set up, you can create an alias for your ID number that is easier for you to remember.
Netbanking PIN
After your first successful login, you will be prompted to change your PIN. Your PIN can be any 4-digit number.

Note: Each customer is allowed three invalid sign-on attempts. After the third invalid attempt, the system will lock you out for a 24-hour period from the time you attempted to sign on. If you forgot your PIN, you will have to call MidSouth Bank to have your PIN reset. Once you login successfully, you can change your PIN.

Account Listing Page (Main Page)
The Account Listing page is the first page you will see after you log in. This page reflects your account information, such as current balance and a summary of account balances. As a security measure, the system will also show the last time you logged in and the total number of times you have logged in. You can reset the login counter from the Account Management page. From the Account Listing page you can also initiate transfers, view current transactions, view range of transactions between dates, stop payments, access Account Management, download transactions, access Billpay (bill payment service), email MidSouth Bank, or get help. To log out of Netbanking select Exit.

Viewing Account Information
From the Account Listing page you can view all of the accounts you have set up to access through Netbanking. Initial account descriptions are based on default system account descriptions. However, you can personalize the descriptions by going to the Account Management page and selecting Change Pseudo Account Name.

Use the drop down menus to select how you would like to view the information for each account. All account balances are displayed in real time; therefore with each inquiry, if the balance changes you will see the most current balance information. To initiate a request for new views, click on the drop-down menu, select an option, then click the GO button to initiate your request.

Funds Transfers
This option is selected from the drop-down menu on the Account Listing page and will only appear on those accounts that have the transfer option available. To initiate a transfer between accounts you should:

Select the account to transfer the funds from by using the drop-down menu on the Account Listing page. Press the GO button to go to the next page.
On the transfer funds page select the account to transfer funds to by clicking on the check box next to the account name. If a transfer is initiated for a loan, select a payment option. If no payment is chosen, the default is allow bank to apply payment to the loan.
In the amount to transfer box enter the amount, including cents, that you would like to transfer.
Optional: If you wish to make the transfer a recurring scheduled transfer, select the frequency and dates from the available options at the bottom of the page. The default for transfers is one time.
To process your transfer, click on the Submit button at the bottom of the page. After you complete the transfer, a page displaying a Confirmation number will appear. You should print this page for your records.

Account Management
The Account Management page gives you the option to change your PIN or personal ID, reset your login counter, or change account names.

Change PIN
With this option you can change your PIN at any time and as many times as you wish. The PIN you choose must be 4 numbers in length (you can re-use old PINs). If you ever forget your PIN and it must be reset, you can change your PIN from this page.

Change Personal ID (Alias)
You can change your Netbanking Customer ID from the 12-digit bank assigned number to something easier for you to remember (alias). The Alias that you choose must be between 4 and 12 characters long with no spaces or special characters. The ID cannot begin with a number, but may include numbers in it. All ID's are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.

Reset Login Count
From here you can reset the login counter for your Netbanking ID. It will inform you that the counter has been reset. When you go back to the Account Listing page you will see that your login count is 0.

Change Pseudo Account Name
Each account that you have access to through Netbanking will be initially set up with the default name created by the banking system. If you wish to change the name of any accounts to something more personal, you can do so here. Valid account names can include upper and lower case letters, spaces, and any number between 0 and 9.

For example - The system-assigned account name may be IC 0001. This account actually represents your checking account you use for household expenses. You may want to change the name appearing on Netbanking from IC 0001 to "Household Account". OR- The system-assigned account name may be SV 0002. This account may be a savings account for your child, Joey. You may want to change the name appearing on Netbanking from SV 0002 to "Joey's Account".

Download Transactions
Netbanking has an option to download account transactions into a personal finance application such as Quicken or Microsoft Money. You can also download your account information into a text file or spreadsheet format. To download transactions do the following:

From the Download Transactions page, select the account you would like to download transactions from
Select the range of transactions to download
Select a format for the type of software you are downloading to

Click on the Download Transactions button to begin downloading. The next page will give additional instructions on saving the file. Click on the link at the bottom of the page to complete the download.

Stop Payments
On the Stop Payment page, you may stop payments to a single Payee. However, you can make the request to stop multiple payments. Simply enter the check date, the check number or range of numbers, the exact amount of a single check, or the beginning and end amount on a range of checks. Next, select the Payee of the check(s) to stop. There is a fee for this service. Press Submit. You will receive a confirmation that your request has been submitted. We are unable to stop payments on checks we've already received and paid, or checks made payable to CASH.

The stop payment request is only good for 14 days. If you wish to stop payment for a longer period, you must print this page, sign it and mail it to:

Electronic Banking Department
MidSouth Bank
P O Box 375
Breaux Bridge, LA. 70517

After the written stop payment notice is signed and received by MidSouth Bank, your stop payment order is good for six months and will not be effective after six months, unless the stop payment is renewed in writing.

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