Frequently Asked Internet Banking Questions


Q: How do I access Online Banking?
A: After your Carlsbad National Bank checking application has been approved, simply click on the words Online Banking on any of our Web pages. When using Online Banking for the first time, click on the button "Click here" to register.

Q: How frequently is my Carlsbad National Bank information updated?
A: Carlsbad National Bank updates all customer information nightly. Whether you access Online Banking or contact us directly, your account information is updated nightly to reflect all account activity.

Q: Can I look at all of my transactions at any time?
A: Yes, with Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.

Q: After I make a bill payment, how long does it take for the money to be debited from my account?
A: The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q: How long does it take for a payment to reach the payee?
A: A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

Q: How do I actually use the Electronic Bill Payment System?
A: Step-by-step instructions can be accessed by pressing the help button within Online Banking.