It’s tough enough to find time to work, or for that matter, play or relax. So who has time to go to the bank?

Managing your money has never been easier or more convenient. At no charge to you Alaska Pacific Bank provides you one more way to manage your money with FREE *Online Banking. And now our Online Banking is better than ever.

Not a user? What’s holding you back? You’ve come this far, so give our Online Banking Demo a click!

Online Banking

•	Online, Real-Time, 24x7 Access* Online Banking is available anytime from anywhere you have Internet access. Transactions made prior to 8:00pm Monday through Friday and prior to 5:00pm Saturday will be effective the same day, while transactions conducted after 8:00pm Monday through Friday and after 5:00pm Saturday will be effective the following business day. * As with most electronic systems, Alaska Pacific Bank’s Online Banking occasionally requires maintenance. We will do our best to alert you of scheduled system maintenance as it is brought to our attention.
•	Access Your Accounts Deposit Accounts: View up to three months of your Alaska Pacific Bank deposit account information, including checking, savings, money market, and certificates of deposit. Loan Accounts: View up to 12 months of your mortgage or personal loan activity including current balance, interest, escrow and payment history. Make loan payments from your Alaska Pacific Bank account.
•	Transfer Funds This simple tool allows you to move funds between accounts; for example, you can transfer from checking to savings or from a deposit account to make a loan payment. Funds can be transferred one time, or can be set up as a recurring transaction.
•	Order Checks Place an order for checks in a secure environment. Choose from a variety of check styles and enjoy the convenience of viewing and editing your check information online.
•	Export Account Information To help store and manage your account information, online banking provides an exporting feature to use with a personal financial application such as Quicken, Microsoft Money, or QuickBooks.

Online Bill Pay

We offer the convenience of paying your bills right from your computer. It’s easy, and once you set up your usual payments one time, you can have them paid automatically, or you can pay just by entering in the amount and date you want the payment made, and you’re done. It’s a great way to take the hassle out of paying those bills each month. Yes, I want to learn more.

Enrolling in Online Banking/Online Bill Pay

•	It's Easy to Enroll Complete a quick online enrollment form. Then, in a few days, you will receive your temporary password and access ID in the mail. For security reasons, you will receive them in two separate mailings. When you login the first time, you will be prompted to change both your password and access ID. (You can also enroll for Online Bill Pay at the same time; for your convenience, both services are accessed by the same password and security ID.)
•	Your Access Codes When you select your password and access ID, you will need to choose a minimum of four characters and remember that it is case sensitive. Make sure you choose something that would be easy for you to remember, but would not be easily guessed by others. Please keep your password information in a safe place. If you lose either, you will need to contact us, and we will have to send new ones to you in the mail.
•	Inactive Service For your protection, if you do not login to Online Banking for a period of 180 days or longer, our system will automatically cancel your Online Banking service. If you decide you would like to begin using Online Banking in the future, you will need to re-enroll.

Minimum Hardware/Software Requirements

Internet Explorer 5.5 SP2 w/128 bit encryption*
Adobe Acrobat Reader Version 5.0 or higher

VGA graphics capability

16 bit color palette

Screen Resolution of 800 by 600 pixels
Screen Resolution of 1024 by 768 pixels

28.8 Kb ISP Connection
128 Kb ISP Connection

* AOL users must have Internet Explorer 5.5 w/128 bit encryption with Service Pack 2 installed.

Protecting the Security of Your Financial Information

We’re committed to keeping your personal financial data safe and secure. This section explains additional steps we take to protect your Online Banking service.

Multi-Layer Authentication

We offer a second layer of security as part of our Online Banking login process to further validate your identity. This process is designed to keep your personal information protected from fraud and identity theft. As part of the enrollment process, you’ll view a unique image and enter a corresponding phrase that will subsequently be displayed to you every time you access our Online Banking service.

When you enroll in Online Banking, you will be asked to:
1) View your current email address on file
2) View an authentication image
3) Enter your authentication pass phrase
4) Provide answers to a series of challenge questions
5) Decide whether or not to register your computer
If you are using a public computer at that time of enrollment, such as in an Internet café or library, you can still complete the enrollment process. Later, you can choose to register your home and/or office computer that you will usually use when you access Online Banking. There is no limitation on the number of computers you may register.

Click here for Layered Authentication FAQ.

Confirming You Are on Our Web Site

As part of the enrollment process, you’ll view a unique image and enter a corresponding phrase that will be displayed each time you access Online Banking. This two-way authentication lets you know that you have not been redirected to a spoofed or fraudulent web site. You can then conduct your Online Banking transactions with peace of mind, knowing that your financial information is secure. Important: If you do not see your image and phrase after completing the enrollment process, you should not enter any personal information until you have contacted us.

Fraud Updates

For more information on how you can protect your personal financial information, please go to our regular feature, Fraud Updates. Remember, we will never email you requesting account numbers or personal financial information. We encourage you to contact us if you have any questions or concerns.