Online Banking & Bill Pay
- Send person to person payments with Zelle
- Fast, free, and secure service with any deposit account
- Banking is more accessible; available 24/7 anywhere with internet access
- Manage a wide range of banking needs:
- Get up-to-the-minute updates on balances and transactions
- Schedule one-time or recurring transfers
- View transaction history
- View and download up to six months of account statements
- View and download check images
- Originate stop payments and view stop payment history
- Send secure messages to your banker
- Pay one-time or recurring bills whenever it's convenient for you
- Schedule payments in advance
- Make overnight bill payments*
- Save money on postage materials
- Ensure your payments are received on time
- View reports
- Have all payment recipient information in one easy place
- Receive E-bills as well as email alerts for bill arrivals, due dates, and upcoming payments
- Download to money management software such as Quicken® and Quickbooks® products
- Save valuable time; avoid extra trips to a branch
What You Need
How Much Does it Cost?
How to Enroll
Enhanced Login Security
Your Information is Secure and Private
Your online security is important to us. That is why we have implemented a layered security system for enhanced login security on our Personal and Business Online Banking systems. Enhanced login security will help protect against online fraud by providing additional layers of protection beyond the routine online user ID and password that you currently use to log in. It consists of three security questions and a personalized watermark feature that are used to verify your identity. They help prevent unauthorized access to your accounts and reassure you that you are at our official website.
When you are at your own computer, enter your Online Banking ID and then click submit. You should then see the watermark image that you established for your account to verify that you are using Online Banking at our website. You can then enter your Online Banking Password and know that your information is safe and secure.
If you do not recognize the watermark image, do not enter your Online Banking Password. You should double-check your Online Banking ID. If your Online Banking ID is correct and you still do not recognize the watermark image, you should contact a customer service representative at your bank.
In the event that the Online Banking system does not recognize you, you will be asked two of the original three security questions you established to verify your identity. For instance, if you are signing in from a computer our Online Banking system does not recognize, you may be asked to answer two security questions to verify your identity. When the system is confident that you are an authentic user, your watermark image will be displayed and you may proceed to enter your Online Banking Password.
The enhanced login security enrollment process is fast and easy. Once you have enrolled, you will log on to Online Banking the same way you always have, with your Online Banking User ID and Password. The enhanced login security happens behind the scenes and you are granted access as long as our system recognizes your computer.
For an additional security measure, Secure Tokens will be issued to certain Personal Online Banking and Business Online Banking customers who conduct monetary transactions that by their nature are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.
Your safety is our top priority. If you have any questions or concerns, please contact us at 607.547.2210.
Get more about consumer protection
Bank of Cooperstown, a unit of Wayne Bank, takes great care to ensure your identity remains safe. We provide this information as a courtesy to you.
Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft.
OnGuardOnline.gov(Opens in a new Window) provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.
Reporting Suspected Fraud
StopFraud.gov(Opens in a new Window) - The Financial Fraud Enforcement Task Force maintains a wide list of resources and information dedicated to helping find and report suspected cases of financial fraud.
The Anti-Phishing Working Group (APWG)(Opens in a new Window) is the global pan-industrial and law enforcement association focused on eliminating the fraud and identity theft that result from phishing, pharming and email spoofing of all types.