What is E-Statement delivery?

E-Statement delivery is a process by which you can enroll to receive an email to alert you when your Gulf State Community Bank account statement(s) is ready for viewing. You will be able to securely access your E-Statement from the attachment within the email alert or by logging onto your GulfLink service.

What are the advantages of enrolling for E-Statement delivery?

Same Day Delivery – The delivery of E-Statements eliminates the 2 – 3 day waiting period and does not sit in your U. S. Postal mailbox. Password Protection and Security – E-Statements are encrypted prior to delivery. Using your Gulf Link logon is the only way to decrypt (decode) and view your E-Statement. Plus, you will know you are opening your Gulf State Community Bank E-Statement by verifying the personal Security Phase you set up. Easy Storage – Your E-Statements can be stored on your computers hard drive. You may also choose to print your E-Statements and store in a file or binder at your home or office. Access from Anywhere – Since E-Statements are delivered to your email address rather than your postal address, you will have access when you need it, whether at the office, on vacation or away on business. Share with your accountant/CPA or other of your choice – You may set up additional recipients to receive a copy of your statement as well. This is helpful if you have another party that reviews your statements for you. No Fees – Probably the best advantage . . . there is no fee associated with this service . . . it is FREE!

Do I need to be a GulfLink user to enroll in E-Statement delivery?

Yes, you will need to be a user of GulfLink. If you do not have a GulfLink service, click on the Enroll Now and then select your choices in the product inquiry form. Once you are a user of GulfLink, enrolling for the delivery of E-Statements is very easy.

How do I enroll for the delivery of E-Statements?

Follow these easy instructions

1. Log on to your GulfLink service.

2. Click on the E-Doc’s tab on the Account Listing page.

3. The displayed screen will have four steps with instructions.

4. Complete all the requested information, then click on the Enroll Now button.

Is E-Statement delivery secure?

Yes . . . you will have the same security you enjoy as a GulfLink user with 128 bit SSL encryption. You will need to provide your User ID and Password to open and decrypt the file in order for you to be able to view your E-Statement. This makes E-Statement delivery more secure than traditional paper statement delivery.

Is special software required to view my E-Statement?

Your E-Statement will be delivered in a Adobe Portable Document Format (PDF) file; therefore, you will need the free program Adobe Reader, version 6.0 or higher, in order to view your E-Statements. To download the latest reader, click here. Adobe Reader

What types of accounts are available for E-Statement delivery?

All checking and savings accounts accessible on your GulfLink service may be enrolled for E-Statement delivery. CDs and Loans can be included on an E-Statement if they are on a combined statement with a checking account that is accessible on your GulfLink service. You may enroll all of your accounts at one time or only those accounts you choose to receive an E-Statement.

What is gulf link online banking?

Gulf Link is a way for you to access your accounts online, at your convenience, in a safe and secure environment. You should be able to view and print information about all your accounts, including loans and confirm transactions. Paying bills online is also an available option. You may schedule payment of recurring bills for future dates and the payments will be made, automatically, without your having to go to the post office.

Is registration required to use gulf link online banking?

Yes, for your protection you must register and create a secure password. You may register online or visit any one of our five conveniently located offices.

What is the difference between gulf line and gulf link?

Gulf Line is our TELEPHONE banking service. Gulf Link is web based and interactive. Both are available 24/7.

Is gulf link online banking secure?

Information about your accounts, as well as your passwords, social security number or tax ID number is encrypted prior to transmission. If you feel your information has been compromised in any way, do not hesitate to contact us.

For more detailed information please read our Online Security section.

Who can use gulf link banking online?

Any customer of Gulf State Community Bank, both business and/or personal account holder, is able to access and take advantage of all the features Gulf Link online banking offers.

Can business customers use gulf link online banking?

Yes. The applicant must be an authorized signor on the business account.

How do I access gulf link online banking?

You will need an Internet connection and a browser with 128-bit SSL encryption. Test your browser here.

How current is the information in online banking?

Information is up to date, current, and in real time. Based on your activity you may see available balances change throughout the day.

What should I do if I have trouble accessing gulf link online banking?

First, check your Internet connection to see if you can connect to other sites. If you can’t access other sites, contact your Internet Service Provider. If Gulf Link is the only site you cannot connect to, we may be off-line for an upgrade (you’ll usually be notified of this in advance), or we’re experiencing a temporary disruption of service. If you still cannot get on the system after an hour or so, please contact us.

What if I forget my gulf link online banking password?

When you first sign on click on the Options button on the top row and you will be able to create a personal question and answer. If you forget your password in the future you can click on the “Forgot Password” link and you will be asked your personal question. When you answer correctly, an e-mail will be sent to you with a temporary password allowing you to log into the system at which time you will be able to create your own, unique, password.

This is available 24/7. If you prefer, during normal business hours, you may contact us INSERT LINK and we will reset a new one for you while you are on the phone with us. For your security you may then access the system and create your own new, unique, password.

Why doesn’t my gulf link online banking password work?

Perhaps it is being entered incorrectly. Having the ‘caps lock’ key on is a common cause. Passwords are case sensitive and must be entered the same exact way each time. As a safety feature, after three unsuccessful attempts the system locks you out. This prevents someone from accessing your information by trying to guess your password through multiple, random chances. Also, if you have not logged on within the past 90 days you will be locked out too. Please contact us. A quick phone call gets you back online again.

Why does my debit card transaction post twice?

When a merchant processes your card transaction they receive both a temporary and a permanent authorization. Both of these appear on your account, however; you will also have an offsetting credit in the same amount. The amount actually charged to your card will always be equal to the amount of your purchase. An example of this is when a pre-authorization is needed. For instance, when you book a hotel and they hold your card prior to arrival, or when purchasing items online. Normally you aren’t charged until they are shipped but the merchant takes your card info first to confirm that your card is valid.

How late in the normal business day can I transfer funds?

This is a great benefit of using Gulf Link Online Banking. You may transfer funds between your accounts until 7:00PM. (The in-lobby cut off time is 2:00PM)

Can I add to, or delete, an existing gulf link online banking account?

In order to make changes to an account you must be the authorized signor on the account. Please contact our Customer Service department and we will gladly assist you.

How much account history is available online?

Up to 120 days of transaction activity.

How many days in advance should I schedule my payments?

To allow time for the work to process, checks should be scheduled 7-10 business days prior to their due date, and for electronic payments, allow 2-3 business days. Payments may be scheduled up to 90 days in advance.

Where do I find out if a payee accepts electronic or check payments?

The system will automatically search the payee names you enter to check for electronic payment acceptance. Once you have set up your payee list you can view the payees screen and the adjacent field will tell you if it is an electronic or check payment. The system also does monthly updates and will alert you if one of your payees has agreed to accept electronic funds transfer (eft).

What if I don’t have enough funds in my account to cover the payments I have scheduled?

Just like any other check you write, you are responsible for having enough money in your account to cover the cost of the checks you write.

Can I stop a payment?

Yes, normal fees apply; please call for cost (850) 697-3395 First check to see if the check has cleared by looking at the Transactions screen. If it is not shown there you may go to the Stop Payment section and enter the information. It's a good idea to print a copy of the request for your records. ELECTRONIC PAYMENTS CANNOT BE STOPPED.

What if I get an error message?

Please contact us. When you call have the error message, number and time of error available.

What does the download feature do?

Allows you to download your account information into Quicken™.

What should I do if I think my access codes have been compromised?

Contact us immediately.

Do I need to enable 'cookies' to use gulf link online banking?

Yes.

What happens if I forget to log off?

There is a 10 minute time-out feature. If you are logged into the system but remain inactive for 10 minutes, you will be logged off automatically.

Should I change my password regularly?

Yes, to protect your online information and prevent any unauthorized person from accessing your account information, it is considered a best practice to change your password often.

If I change my password on gulf link online banking will it affect my password on telephone banking?

No.

Can I edit payee addresses?

No. You will have to set them up as new with the updated information and then delete the original record.

Can I have multiple payments to the same payee on the same day?

Yes, however; they may not be of the same denomination. Different amounts are fine.

What is the confirmation number used for?

For your records to verify that the payment was made. It’s a good idea to keep a record of these numbers.

When paying by gulf link online banking, when does the money come out of my account?

Just as when you write the check yourself, the money comes out when the check clears the bank. An electronic payment is deducted the day the payment is made.

Do I have to re-enter payee information each month?

Not usually, however; if the payee information changes you will want to update the information. If the amount of the payment and or the payment date is different each month you will want to change that too.

Who do I contact if I have a problem or other question?

Contact us.

Is my browser supported?

Browser Support for Online Banking/eBanking
Below is a current list of supported browsers:
Recommended:

• • Microsoft Internet Explorer 6..x

• • Microsoft Internet Explorer 7..x • Microsoft Internet Explorer 6..x • Microsoft Internet Explorer 5.x • Netscape 7.x and higher • AOL 4.x • AOL 7.x and higher • Mac PowerPC Netscape 7.x (Macintosh Only) • Safari for Mac • FireFox 2.0

Certification in process

• • Microsoft Internet Explorer 7..x

FAQs About a Browser


Q. What does it mean to be a supported browser?

A. Browsers that are supported are expected to work in any Online Banking/eBanking page and function. If any critical function is found not to work on a supported browser, it will be addressed and corrected.

Q. What does it mean to be an unsupported browser?

A. Unsupported browsers are not tested. If problems are reported, code changes will not be made to accommodate browser differences. The recommendation will be to use a supported browser.

Q. What happens if an issue is reported that is the result of an unsupported browser?

A. If problems are reported, the recommendation will be to switch to a supported browser.

Q. How do you determine when a browser will be identified for certification and ultimately be supported?

A.Metrics available on browser usage define the most commonly utilized browsers which is one factor in determining the list of browsers to support. Another factor is the lack of viable alternatives on a particular platform, Apple Safari is one example. As new browsers climb in usage, they may be added to the supported browser list, once a threshold of adoption and usage is reached, or if no other browser is available for that platform. e supported?

Q. How long does the certification process usually take?

A. When a new browser is released and it is a candidate for becoming a supported or recommended browser, an initial regression test of the application is done utilizing that browser. The process will be complete when all critical issues identified in the testing process for that particular browser have been resolved. The time for that process varies from browser to browser but would typically be less than 3 months. Other factors that apply are problems/bugs that are in the browser software itself. Some issues cannot be solved by modifying application code, but have to be addressed by the browser vendor directly.

Close

What is E-Statement delivery?

E-Statement delivery is a process by which you can enroll to receive an email to alert you when your Gulf State Community Bank account statement(s) is ready for viewing. You will be able to securely access your E-Statement from the attachment within the email alert or by logging onto your GulfLink service.

What are the advantages of enrolling for E-Statement delivery?

Same Day Delivery – The delivery of E-Statements eliminates the 2 – 3 day waiting period and does not sit in your U. S. Postal mailbox. Password Protection and Security – E-Statements are encrypted prior to delivery. Using your Gulf Link logon is the only way to decrypt (decode) and view your E-Statement. Plus, you will know you are opening your Gulf State Community Bank E-Statement by verifying the personal Security Phase you set up. Easy Storage – Your E-Statements can be stored on your computers hard drive. You may also choose to print your E-Statements and store in a file or binder at your home or office. Access from Anywhere – Since E-Statements are delivered to your email address rather than your postal address, you will have access when you need it, whether at the office, on vacation or away on business. Share with your accountant/CPA or other of your choice – You may set up additional recipients to receive a copy of your statement as well. This is helpful if you have another party that reviews your statements for you. No Fees – Probably the best advantage . . . there is no fee associated with this service . . . it is FREE!

Do I need to be a GulfLink user to enroll in E-Statement delivery?

Yes, you will need to be a user of GulfLink. If you do not have a GulfLink service, click on the Enroll Now and then select your choices in the product inquiry form. Once you are a user of GulfLink, enrolling for the delivery of E-Statements is very easy.

How do I enroll for the delivery of E-Statements?

Follow these easy instructions

1. Log on to your GulfLink service.

2. Click on the E-Doc’s tab on the Account Listing page.

3. The displayed screen will have four steps with instructions.

4. Complete all the requested information, then click on the Enroll Now button.

Is E-Statement delivery secure?

Yes . . . you will have the same security you enjoy as a GulfLink user with 128 bit SSL encryption. You will need to provide your User ID and Password to open and decrypt the file in order for you to be able to view your E-Statement. This makes E-Statement delivery more secure than traditional paper statement delivery.

Is special software required to view my E-Statement?

Your E-Statement will be delivered in a Adobe Portable Document Format (PDF) file; therefore, you will need the free program Adobe Reader, version 6.0 or higher, in order to view your E-Statements. To download the latest reader, click here. Adobe Reader

What types of accounts are available for E-Statement delivery?

All checking and savings accounts accessible on your GulfLink service may be enrolled for E-Statement delivery. CDs and Loans can be included on an E-Statement if they are on a combined statement with a checking account that is accessible on your GulfLink service. You may enroll all of your accounts at one time or only those accounts you choose to receive an E-Statement.

Will I continue to receive paper statements once I enroll in the delivery of E-Statements?

You will receive one more paper statement via the U. S. Postal service in the month you begin receiving E-Statements. After the first month, you will no longer receive a paper statement.

How long are E-Statements available on my GulfLink service?

E-Statements are available on the GulfLink service for 120 days following the statement date. Save them to your systems hard drive or print for longer storage.

Will my E-Statement look the same as my regular paper statement and will I receive check images?

Yes, your E-Statement will have the same look and feel as the paper statement delivered to your mailbox. This means you will receive all check images, as well as any informational or marketing enclosures.

May I have my E-Statement delivered to another person?

Yes, each account enrolled in the delivery of E-Statements may be delivered to up to Three (3) additional recipients, either another account owner/signator or even someone not authorized to sign on your account, i.e. – accountant, relative, etc. Additional recipients are set up and maintained by you through your GulfLink service.

What happens if I change my email address after I enroll in E-Statement delivery?

In order to have continued, uninterrupted delivery of your E-Statement(s), you must notify the Bank of any changes to your email address. You may facilitate a change to your email address by using the Options Tab within GulfLink or by sending a secure email through your GulfLink service. If you change your email address and do not notify the Bank of the change, your E-Statement service will be discontinued and you will begin receiving paper statements via the U. S. Postal service. Your paper statement will be sent to you from the bank within three business days. In order to begin receiving E-Statements again, you will need to repeat the enrollment process.

What if my email box is full and my E-Statement is unable to be delivered?

If your E-Statement is not successfully delivered due to a full email box, your E-Statement service will be discontinued and you will begin receiving paper statements via the U. S. Postal service. Your paper statement will be sent to you from the bank within three business days. In order to begin receiving E-Statements again, you will need to repeat the enrollment process.

Will fees apply if I need to see older statements?

In most cases, additional fees will be assessed when ordering copies of older statements. To request copies of older statements or for information regarding these fees, please contact our Bookkeeping department Monday through Friday between the hours of 8:00 a.m. and 5:00 p.m. ET at 850.697.3395.

Can I un-enroll in the E-Statement service?

Yes, you can “turn-off” E-Statement delivery anytime by un-checking the accounts in the Documents and Settings area on the E-Doc’s tab of your GulfLink service. It is important to note that after un-enrolling an account, its previous E-Statements will no longer be available via the GulfLink service. This change will automatically generate the delivery of paper statements at your next statement cycle. There is no charge for this change.

What happens if I discontinue my GulfLink service?

You will begin receiving your account statements via the U. S. Postal service and additional recipients will no longer receive a copy of the E-Statement nor will a paper statement be delivered to them.

What happens if I close an account receiving E-Statements?

You will receive the final statement via your E-Statement service.