Frequently Asked Questions
Security
Enrollment
Transactions
Payments
Technology

SECURITY

How secure is BancorpSouth Credit Card Online?

One of our highest priorities is to ensure your privacy and peace of mind by employing some of the most advanced online security in the industry. Every step of the way, we provide you with the state-of-the-art encryption of all data transmitted between your computer and our secure site. Most browsers today utilize an encryption method called Secure Sockets Layer (SSL). SSL is software based security protocol that encodes data before it is transmitted over the Internet. Once you enroll you will be able to use a self-selected user name-password system that serves as our first line of security.

What steps can I take to ensure the security of my account information?

There are several things you can do to protect your Credit Card Online account:

  • Never reveal your User Name and Password to anyone.
  • Never write it down where anyone can find it or figure out what it is.
  • Change your password frequently within your profile.
  • Always sign off before leaving your computer.
  • Always sign off before accessing other Web sites.

What is encryption and why do I need it?

Encryption is a security device that keeps information that passes through the Internet private and secure. To maximize protection, Credit Card Online requires you to use 128-bit encryption. This 128-bit encryption level is 2x1026 more secure than the standard level of 40-bit. You will see the icon of a padlock on the bottom toolbar of your browser that indicates the information being transmitted is protected and encrypted.

What are the sufficient web browser levels to view the website and how can I upgrade?

A web browser is computer software that allows you to view the content and graphics displayed on a website. Credit Card Online requires the minimal browser levels of Microsoft Internet Explorer (MSIE) 4.0 or Netscape 4.78 to support the 128-bit secure link between your browser and us. You will know if your browser is not sufficient if upon entering a secure site, a note pops up on the screen indicating you should upgrade. We suggest upgrading to the latest versions. To upgrade, please click on one of the following links:

Microsoft® Internet Explorer
Netscape Navigator®

What happens if I forget to sign off?

For security reasons, Credit Card Online becomes disabled after long periods of inactivity, and the system will automatically sign off. If this happens, you will be required to sign on again. We encourage you to use the sign off function for maximum security when you’re finished with the system or you walk away from your computer.

ENROLLMENT

Do I have to enter the enrollment information each time I sign on?

No. After you have completed the enrollment process and selected a unique User Name and Password, using Credit Card Online is easy. Simply enter your User Name and Password on the Welcome Page to access the site’s services.

What is the maximum number of accounts that can be registered?

There is no limit to the number of accounts you can register.

Can I register additional credit card accounts I have with you?

Yes, you may register additional accounts through the Register an Account function.

How do I remove an account from my Online Access?

To remove an account from your Online Access:

  1. Click Delete Accounts link in the Left Navigation Dashboard.
  2. Click Delete next to the account you would like to remove.
  3. Your additional account will be removed.

TRANSACTIONS

How current is my transaction information?

You will have access to the same up-to-the-minute information that our Customer Satisfaction specialists provide when speaking with you on the telephone. The only difference is that this information is right at your fingertips.

Why do some of my transactions have Web links?

To view transaction detail such as merchant information, transaction type, location, and merchant ID.

The information we display is provided by the merchant. Therefore, the amount and type of information displayed can vary. Some merchants may choose to provide only the store name and address; others may provide more extensive details.

What is the process for downloading transactions?

Downloading an account statement is easy.

  1. Go to the Transactions page.
  2. Select the period of the transactions you want to download and click GO.
  3. Select the format you want to download your transactions in (downloads are available in a QIF format, which can be imported into personal financial software packages such as Microsoft® Money and Quicken®. Tab-delimited and comma-delimited formats are also available for your download to spreadsheets, like Excel, or databases. Click GO.

Your transaction history will now be downloaded.

PAYMENTS

How can I set up my account to pay my credit card?

Just follow the 2 easy steps below to start making your credit card payments online.

  1. Add an account to make the payment from. Before you can use this service to pay your bill online you will need to provide us with some information about the account you would like to pay your credit card from.
  2. Sign On and select Pay Bill and then Add a Payment Account.
  3. Enter your financial institution's information and click Submit.

What accounts can be used for payment withdrawal?

Payments must be made in U.S. dollars. You can use any U.S. checking, savings, or money market account that accepts electronic withdrawals.

How do I make a payment?

  1. Click Pay Bill.
  2. Choose the account you would like to pay from, the amount you would like to pay, and the payment date.
  3. Provide an e-mail address. For your personal records, you can also provide a memo and check number.
  4. Click Submit.

What is my minimum payment?

The smallest monthly payment that you can make and still remain in compliance with the terms and conditions of your Account Agreement. Each month that your account has a balance, a minimum payment will be due. Your minimum payment due is displayed within the Billing Summary section in the left column of all Credit Card Online pages.

How can I obtain proof of payment?

When you make a payment, you will receive a confirmation message and the payment will be added to your Payment History on the right side of the Make a Payment page. Also, the payment will appear as a withdrawal on your monthly bank statement and as a credit on your monthly billing statement.

Can I make changes to a payment once the request has been scheduled?

Yes. You can make changes to any payment in an open status by clicking the “Open” link in your Payment History.

Can I cancel the payment once the request has been scheduled?

Yes. You can cancel any payment in an open status by clicking the “Open” link in your Payment History. Click the “Cancel Payment” button located at the bottom of the Edit Payment page.

What will happen if I arrange for a payment to be withdrawn from my account, but my account does not have sufficient funds?

Your bank may choose to return the item and/or charge you a non-sufficient funds fee. If the item is returned to us, we will reverse any credit given for the payment, charge you a Returned-Payment Check Fee, and assess other fees and finance charges according to the terms of your Account Agreement.

Technology

How do I enlarge the page font so that it is easier to read?

In your browser window, go to View > Text Size. Select “Larger”. The font size on your page will become larger.

What is the Adobe Acrobat Reader and why do I need it?

Adobe Acrobat Reader is computer software that presents documents in a unique, high-quality form called Portable Document Format (PDF). We display our Site Operation Guide as a PDF file. If you would like to view our Site Operation Guide, you will need to download Acrobat Reader. You can get your free Adobe Acrobat Reader by clicking on the following link:

Adobe Acrobat Reader


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