How long has Presidential been in business?
Presidential Bank has been in business since 1985. We started our online division, Presidential Online Bank, in 1995.

Who owns Presidential?
Presidential Bank is a privately held company.

What is Presidential Bank's safety rating?
Presidential Bank was awarded the Green - Three Stars safety rating for the quarter ending by Veribanc, an independent bank research company. This is the highest safety rating in the country. Please contact Veribanc at 1-800-442-2657 or www.veribanc.com to determine if this is the most recent rating. Click here to see other reviews of our web site.

What is Presidential's ABA Routing/Transit number?
255073345

Who do I contact if I have a problem with my account?
As a Presidential customer, you can instantly access your accounts, ask questions, make bill payments, transfer between accounts and view copies of statements and checks on our web site. If you require additional assistance, please contact: Customer Service: 800-383-6266, weekdays 8 am - 10 pm Eastern Time.

What should I do if I forget my username and password?
If you forget your User ID or Password you should contact Customer Service at 800-383-6266, 8 am - 10 pm Eastern Time, Monday-Friday and we will re-set your account. Due to the secure nature of performing financial transactions on the web, we have taken precautions to ensure no one has access to your login information. As a result, the information is stored in our database in an encrypted format that even we cannot decode. This security measure prevents us from supplying incorrect passwords.

I'm not a US resident and/or not a US citizen. May, I apply for a presidential account?
To open an account, you must be a US Citizen and live within the United States in order for us to comply with the US Patriot Act in verification of new customers.

Do I have 24 hour access to my account?
Yes! Our automated voice response system can access your account balance information at any time. Call our Toll Free Nationwide Phone Number: 800- 317-6980, 24 hours a day, 7 days a week. You may access this feature from a touch-tone phone anywhere in the US to check balances, transfer funds and review account activity.

Or, you can access your account with Personal Online Banking from our website. In addition, we have an Online Historical Statement Archive where you can find your old bank statements, research transactions or reconcile your account.

Our Customer Service Representatives are available to speak with you personally Monday through Friday from 8 am - 10 pm, Eastern Time at 800-383-6266. You may also send an e-mail message at any time to email@presidential.com.

I've moved. How do I notify you of my new address?
Please send us written notification of your change of address accompanied by an original signature. Or, log into your Personal Online Banking, click on "Secure Forms" and submit an address change.

Mailed requests can be sent to:
Presidential Bank
Attn: Address Change
4520 East-West Highway
Bethesda, MD 20814

What is Presidential Bank's email policy?
We require an email address for Internet accounts. Your email address will be used for correspondence with you regarding account and other important information. We DO NOT sell your email or other personal information or use it in anyway except as related directly to your business with Presidential Bank. You cannot opt-out of account driven email, except those you initiate such as deposit notifications. Account specific information and other legal correspondence such as revised account terms and conditions will not be sent via email. You may opt-out of non-transactional email communications using unsubscribe procedures found within those emails. Due to the unsecured nature of general email, please do not include secure account information or personal information such as Tax ID/Social Security numbers, passwords, etc. when sending email.

Can you send statements via email instead of regular mail?
You can currently view your statements online by visiting Personal Online Banking, click on Products and Services and select Historical Statements. Businesses can use Commercial Cash Management to access Historical Statements within Online Services. We will not email your statements; however, you can go paperless on your statements and retrieve them by the 3rd business day after month end. Please visit our Paperless Statement resource page for details.

Can a business open accounts online?
All new business accounts must be opened at one of our branch locations. If you are an existing business customer, you may use the mail-in application to open the branch accounts.

What computer hardware, operating system and software will I need to bank online?
For an IBM-compatible computer, you will need at least a Pentium II based system with 64MB or more of available RAM and an operating system of Windows 98 or higher. If you have a Macintosh system, you will need at least 64MB of available RAM and an operating system of Macintosh 7.1 or higher. With any type of PC, you will also need a modem or other access to an Internet provider with a recommended baud rate of 28.8 or higher.

In order to access Presidential Bank through the Internet, you will need an Internet Service Provider (ISP) and an Internet browser that supports the following, such as Netscape® or Microsoft® Internet Explorer 4.0 or higher. No other special software is needed.

• 128-bit encryption, which encodes information so that it cannot be read without decoding.
• The Secure Sockets Layer (SSL) protocol which ensures that communication between your computer and our Web server cannot be interrupted or intercepted by an unauthorized user.

How can I tell when my connection is secure?
To confirm that your information is encrypted perform the following steps:

1. Place your cursor in the frame you want to check.
2. With a Netscape browser, right-click, select 'View Frame Info' or select 'View' | 'Page Frame Info' from the browser menu bar. For Macintosh users, Ctrl-click, select 'New Window with this Frame' OR select 'View' | 'Page Info' from the browser menu bar. With an Internet Explorer browser, right-click, select 'Properties.'
   For Macintosh users, Ctrl-click, select 'Open Page in New Window.'
3. Check the web address that you have accessed. If you are in a secure area, the address will appear as https://www. Notice the "s" in the address. This means that you have accessed a secure server.

Why doesn't the padlock on my browser appear locked?
Don't worry, your account information, user name, password, application and other sensitive information is being encrypted. (An encrypted item is scrambled so that no one between your computer and Presidential's computers can read your information.)

Your padlock icon on your browser may not appear locked (symbolizing an encrypted session) because our web site uses multiple frames to display information on your computer. The navigation bar across the top of your screen is one frame. The selections that appear on the left are another frame. The main portion of the site appears in the remaining frame. Frames that display general information about the site, such as the navigation bar across the top of your screen, are not encrypted. However, any screen that displays or requests information about your account, user name, password, application and other sensitive information is encrypted and on our secure server. This can be verified by right clicking on the page containing the secure information, click on properties, and verify the address starts with https.

What are some other considerations?
JavaScript and Java are two languages that are used to help navigate and increase functionality within Presidential Bank. To verify that your browser is Java and JavaScript enable, check your browser options or preferences. If your browser is not JavaScript or Java compatible, you will have to download and upgrade your browser.

The Java platform and JavaScript capabilities are incorporated into all major web browsers. If you have Microsoft Internet Explorer 5.0 or newer versions. American Online browsers have the ability to see Java applets (applications) and Java Script features.

What is JavaScript?
JavaScript is a script-based programming language that can be used to write programs that are executed by a browser.

What is Java?
Java is an object-oriented programming language for adding animation and other action. Java applications (called applets) work inside web browsers on computers and other devices. Your web browser has to be Java compatible for Java applications to function properly. Java was used to program some of our financial calculators.

What are cookies? Can I turn them off?
Cookies are a way that our web servers and your computer can communicate. As you browse our web site, it may ask you to accept cookies. Allowing a web site to create a cookie in your browser preferences, as this will provide better browsing with fewer interruptions. Please refer to the help section of your browser for additional information. When using BillPayer (Payment Manager), third party cookies must be enabled.

How can I update my account using Quicken® or MS Money®?
There is a download feature that enables the user to download their account information into Quicken 2004 and older, Microsoft Money or a comma delimited format which can be imported into various applications. To perform this download:

1. Go to our web site, presidential.com and log in to "Personal Online Banking."
2. Select the account you wish to view the transaction history and the statement will be displayed. Scroll to the bottom of the page.
3. Ensure that the transactions you wish to download are displayed in the transaction history. (For example, you may want to list only those transactions in a certain date range.)
4. Click "Download" and select either Quicken, Money or comma delimited format.
5. Click download and save the file to your hard drive.
6. Open Quicken or MS Money and import the file you have just downloaded. Follow the instructions that came with Quicken or MS Money.

How can I setup or change my direct deposit?
To initiate or change a direct deposit to your Presidential Bank checking account, please contact your employer. For "US Government Employees/Retirees, you can download (pdf) form 1199a.

How current is the account information online?
For deposit accounts, balance information is real time. During times of maintenance, transactions to your accounts conducted today may not be reflected until the next business day.

What is your check clearing policy?
Two business days for local checks under $5,000.00 (for DC, MD, and VA); Five business days for local checks over $5,000.00; Nine business days for non-local checks over $5,000.00. 10 business days for all new accounts. Interest begins to accrue on the day of deposit. View the full check hold policy.

How much do checks and deposit slips cost?
The initial check package is free for Internet Checking and Checking PLUS accounts. This includes:

• 25 paper checks
• 20 deposit tickets
• 1 standard register

All orders vary based on style and design. Please call customer service at 800-383-6266 or to order checks online:
1) Log in to your Presidential Online Bank Account through PC Banking.
2) Click on Products and Services
3) Select Deluxe Printing, choose your account , and order.

How long do I have to fund an account that I applied for online?
Your account will be purged after 30 days if it goes unfunded.

How is my interest calculated?
Interest is calculated on a daily basis, and credited to your account on the last calendar day of the month.

How can I make deposits?
You can make deposits in one of the following ways:

1. By transferring money from an existing Presidential account online, by phone or with written authorization. For deposit slips, please visit our Deposit Forms page.

2. Presidential Bank Attn: Mail Teller 4520 East West Highway Bethesda, MD 20814

   By mailing us a check.
   Please make the check payable to yourself endorse the check, write your account number and "For Deposit Only" on the back.
3. By transferring money from an account at another bank via wire transfer.
   Note: Your bank may charge you a fee for this transaction. We will not charge you a fee for an incoming wire transfer.
4. By depositing at any one of our branch locations or a Presidential ATM.
5. A direct deposit set up through your employer.
6. By using the Funds Transfer Service to draw from your other financial institutions.

Can I deposit cash?
We only accept cash deposits at our branches and at our ATM machines. Please do not send cash through the mail.

How long before I get checks and ATM/Visa Check Card after my account is opened?
You should receive your checks and ATM/Visa Check Card approximately 2 weeks after the opening date.

How can I change my ATM/VISA® Check Card PIN number?
In order to change your PIN, you must visit a Presidential Branch location. If you would like for us to send you a PIN reminder by mail, contact our customer service department at 800-383-6266 from 8 am – 10 pm ET.
For more information about our ATM/VISA Check Cards.

When do I receive my statements?
Statements for checking and savings accounts are mailed within the first 10 business days of each calendar month for the prior month's activity. Presidential does not provide statements on current certificates of deposits.

You can access our Online Historical Statements within your Personal Online Banking or Commercial Cash Management to view past bank statements, research transactions or reconcile your account. Current bank statements are generally available on the third business day of each month.

How can I close my account?
You can close your Presidential Bank account by sending written notice or visiting any of our branch locations.

Can I send $200.00 from a personal account at another bank to meet the direct deposit requirements of the Checking PLUS Account?
Checking PLUS Accounts require an electronic monthly deposit of $200.00 or more from payroll, social security, annuity, pension or a transfer from a business account. A transfer from a personal account does not qualify.

How can I make deposits to a Savings Account?
You can make deposits in one of the following ways:

1. By transferring money from an existing Presidential account online, by phone or with written authorization.
   For deposit slips, please visit our Deposit Forms page.

2. Presidential Bank Attn: Mail Teller 4520 East West Highway Bethesda, MD 20814

   By mailing us a check.
   Please make the check payable to yourself endorse the check, write your account number and "For Deposit Only" on the back.
3. By transferring money from an account at another bank via wire transfer.
   Note: Your bank may charge you a fee for this transaction. We will not charge you a fee for an incoming wire transfer.
4. By depositing at any one of our branch locations or a Presidential ATM.
5. A direct deposit set up through your employer.
6. By using the Funds Transfer Service to draw funds from your other financial institutions.

How can I make withdrawals from a Savings Account?

1. Presidential Bank Attn: Mail Teller 4520 East West Highway Bethesda, MD 20814

   A signed written request mailed to:
2. In person at any of our Branch locations.
3. Electronic transfer initiated from an outside institution
4. Using your ATM card at an Automated Teller Machine
5. By using the Funds Transfer Service to send funds from your other financial institutions
6. Cashiers Check request within Personal Online Banking. (Payable to primary account holder only and mailed to the address of record.)

How do I close a Savings Account?
You can close your Presidential Bank account by sending written notice or visiting any of our branch locations. If your savings account has a zero balance, it will automatically close after a 93 day period.

Are there any transfer limitations?
Banking Regulations limit third party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer (including online banking or bill payment services) or telephone (including facsimile or data transmission) to your other accounts or third party transactions to six (6) each statement cycle; no more than three (3) of these transactions can be by check, debit card, or similar order (including POS transactions), made by the accountholder and payable to third parties. If you exceed more than three (3) such transfers, we need not honor the item. If you exceed these withdrawal limitations, the bank may close the account and the funds placed in another account that you are eligible to maintain, or we may take away the transfer and draft capabilities. Transfers made in person, by messenger, or at an ATM are unlimited.

How can I get overdraft protection on my checking account?
Complete our online application for our "Easy Access" overdraft protection plan (available ONLY for personal checking accounts).

Where can I find an ATM machine?
Learn more about ATMs. . .

Where can I find an ATM that doesn't charge?
Presidential^® offers worldwide cash access to your account through STAR and Cirrus ATM networks. Presidential ATM's are located in branch locations in the Washington, DC area. Hundreds of thousands of Star and Cirrus ATM's are located around the United States and the world.

Will I be charged ATM fees when using my Presidential Bank ATM card?
Unlike most other banks, we do not charge our customers for any ATM/Point of Sale usage. However, many ATM owners apply surcharges for using their ATMs. This surcharge will vary by ATM owner.

Can I deposit at any ATM?
ATM deposits are limited to Presidential machines only. There are several other methods for depositing into your Presidential account.

Are ATM fees reimbursed?
Presidential does not reimburse fees charged by other ATMs. However, we do not charge any ATM fees to our customers.

If I open an account, can I have a Visa® Check Card instead of an ATM card?
Yes. During the application process you choose either an ATM or Visa Check Card (for personal accounts only). You can also apply for an ATM or Visa Check Card by completing the ATM/Visa Check Card application.

How do I pay my bills online?
Presidential Bank offers FREE Online BillPayer for those customers who have our Checking PLUS, Super, Special or Internet Checking accounts. Otherwise, the service charge is $5.95 per month for the first 10 completed payments.

Each additional completed payment will incur a $0.40 fee. Then, it is as simple as listing the company's name or individuals you want paid, the amount you want to pay and the date you'd like your bills to be paid. Visit the Billpayer System Demo.

How do I set up my BillPayer account?
After you have opened your account and accessed it online, simply click on the link "Payment Manager" and complete the application process. New enrollments to Personal Online Banking have the option to apply for BillPayer during the enrollment process.

I want to change from one checking account to another on my BillPayer. How can I do this?
You can change your BillPayer related checking account number or add additional checking accounts by calling our Customer Service Department at 800-383-6266 8 am – 10 pm ET.

How are payments sent in BillPayer processed?
Payments can be sent one of three ways, Electronically (ACH), Corporate Check (Billpayer Co. check), or Laser Draft Check (check drawn off customers account). When payments are entered, you are required to enter the due date or a prior date. The payment is sent before that date, depending on the payment method, so as to arrive on or before the due date. You are not debited until the due date if the payment is sent electronically or by corporate check. If the payment is sent via laser draft, you are debited when the check clears and an image will be returned in your statements with the rest of your checks.

How do I know what payment method will be used?
The Billpayer Co. may initially send a payment out by laser draft if it is a payee that does not match their directory. They may update the payment method after contacting the payee to see if there is an electronic option available. The payment method is not known since it is on a per relationship basis with each vendor and can change based on transaction limitations set by that vendor. If the payment method changes, it will still be sent to assure timely arrival. If a payment is sent electronically once, there is no guarantee future payments will continue to be sent electronically.

When entering a payment, what date do I enter?
You are asked for the actual due date when entering the payment. You can, however, enter an earlier date. The payment should arrive on or before the date entered. If the date entered is a weekend or holiday, it will be changed to the previous business day to assure timely arrival. The BillPayer Co. does not recognize grace periods provided by payees.

Who do I contact if I have a payment discrepancy?
If a payment discrepancy occurs, you can send a message in Presidential's BillPayer system directly to Check Free, the Billpayer Co., or you can contact Presidential's Customer Service at 800-383-6266 and we will create a case with the Billpayer Co. for you. A response is generally received within 3-business days after the initial sending date.

If I apply for BillPayer and do not use it. Will I be charged?
The BillPayer feature is free for Checking PLUS, Super, Special and Internet Checking customers only. If you have a Regular or Money Market Checking account, the monthly service fee will be charged even if it is not used.

I have had BillPayer in the past but have not used it for several months. Why can't I access it now?
If you have not used your BillPayer account for at least six months and you are unable to access it now; the account has most likely been deactivated for non-use. If you now intend to use the BillPayer System and would like to be reactivated, please call Customer Service at 800-383-6266.

How do I make my opening deposit?
You can make deposits in the following ways:

1. By transferring money from an existing Presidential account

2. Presidential Bank Attn: Mail Teller 4520 East West Highway Bethesda, MD 20814

   By mailing us a check (Please make the check payable to yourself, and write on the back of the check your account number and the "For Deposit Only")
3. By transferring money from an account at another bank via wire transfer. (note: Your bank may charge you a fee for this transaction. Prior approval by Presidential is required.)

What are the penalties for early withdrawal?
Please refer to our Account Portfolio and Internet Account Portfolio for Penalty details.

Are my deposits safe?
Yes. All of our accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $100,000 per depositor. Please visit the FDIC website for additional details.

What's going to happen when my CD matures?
Your CD is set up to automatically renew without you doing anything. You will receive a reminder notice one month before maturity that will outline your options and provide information on how you can receive your funds. You can view your certificate information online at any time. (Maturity notices are not mailed for 30 day CD’s.)

Presidential requires a written request to close your CD. Please include specific mailing or wire instructions and your signature. Please mail your request to:

How long of a grace period after automatic renewal do I have to change my mind?
You have seven calendar days, including your maturity date (1 day on a 30 day CD) to either withdraw your funds without penalty or add funds to your CD.

How do I withdraw the monthly interest from my CD?
There are a number of options to withdraw the interest from our Certificate. You may request a monthly interest check, transfer the interest to another Presidential account, or send an interest check to an account at another institution. Please contact us if you would like additional information. For existing accounts, you may send us your request in writing as long as it is accompanied by your signature. If you would like to have your interest deposited in an account at another institution, please be sure to include the name of the institution, account holder's name, account number, and ABA routing number. Your interest will be mailed to the receiving institution on the first business day of each month.

What does FDIC insurance cover?
Covered: FDIC insurance protects deposits in savings, checking, NOW accounts, CD's as well as cashier's checks and outstanding drafts drawn on deposit accounts. In addition, some letters of credit and travelers checks for which an insured depository institution is primarily liable also are insured when issued in exchange for money or its equivalent, or for a charge against a deposit account.

Not covered: Securities, mutual funds, annuities and similar types of investments are not covered. Treasury securities purchased by an insured institution on a customer's behalf or held for safekeeping.

How much coverage does each depositor have?
At least $100,000 per ownership category. Deposit accounts maintained in different legal ownership categories (such as individual or joint accounts) are insured separately. All accounts in each category in any one institution are added together and generally insured up to $100,000. Much more may be available depending on how your deposit accounts are structured. The most common categories are:

• individual ownership
• joint ownership
• testamentary (or "payable-on-death") accounts

Separate coverage also is available for funds held for retirement purposes such as IRA's, pension and profit sharing plans.

Are deposits in separate institutions grouped together for insurance purposes?
No. Deposits in different institutions are insured separately. However, if an institution has one or more branches, the main office and all branch offices are considered to be one institution, even if the offices are in different states.

How much do I pay for FDIC coverage?
Unlike other forms of insurance, you do not pay premiums for deposit insurance. Instead, premiums for this service are paid for by FDIC assessments on the banks offering the coverage. For additional information visit the FDIC web site.

Can I deposit foreign checks at Presidential Bank?
Yes, you can deposit foreign checks at Presidential Bank; however, the checks must be sent for collection, even if in US Dollars, before credit is passed to your account. Collection of a foreign check can take from 3-business days to several weeks, depending on the bank of origin.

Are there fees for foreign collections?
There are fees for collecting on foreign checks. The fees can range from $3.00 for Canadian checks to as much as $55.00 for many other foreign countries. There may also be fees from the bank the checks are drawn on for the collection as well as any conversion fees from that bank if applicable. The fees vary, may be significant and cannot be determined in advance by Presidential Bank.

How do I initiate an outgoing wire from Presidential Bank?

To initiate a wire out of Presidential Bank, we would need written instructions signed by the customer providing us with the receiving bank and final beneficiary information to credit. View the Customer Wire Transfer Order Form. This form must be mailed to:

Can I fax Wire Requests?
If you have completed and returned a Fax Authorization Form, to the branch your account was opened, you may fax all future wire requests to that branch. For the Bethesda branch and Internet Accounts, please fax the Customer Wire Transfer Order Form to 301-951-3582. View all other Branch Locations.

What is Funds Transfer?
Funds transfer (Inter-Institutional Transfers) is a money movement tool that allows End Users to transfer funds between their Presidential Bank account and their accounts at other Financial Institutions or brokerage houses.

Can I Transfer Funds to or from any financial or brokerage house?
Over 23,000 Financial Institutions and brokerage houses are presently participating.

How do I know if my other Financial Institutions are participating?
Upon the process to add your financial institution, a drop down list will allow you to search for your financial institution or you may enter the 9-digit ABA routing/transit number.

How does Funds Transfer work?
We process Electronic Funds Transfers (EFT) via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. We submit a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll, and that financial institutions use to carry out automated payments for loans or mortgages.

How much will the Funds Transfer service cost?
Please check the Limits and Fees page to review the fees associated with each type of service. This should be a link to the Transaction Limits and fees.

How will I know when a transfer is complete?
The Overview screen’s Funds Transfer Status section provides an up-to-date status report of all your funds transfer requests over the past 12 months. Each transfer request is displayed along with the date and status of the transaction. You should also be able to confirm the completion of the transaction with the Financial Institution four business days after your transaction request.

How much money can I transfer per transaction and per 30-day rolling period?
Please check your Limits and Fees page to review the limits associated with each service. You can also review your limits within the Funds Transfer Service before selecting the amount of the transfer and within the Help Menu under Funds Transfer This should be a link to the Transaction Limits and fees.

Can I transfer funds into someone else's account?
Yes. This can be accomplished by using the Pay People service.

Can I use this service to transfer money between accounts at the same financial institution?
Not at this time; however, you can still make transfers at the same financial institution through your normal online banking service.

Can I transfer money internationally using the institutional fund transfer between my accounts?
No, this facility is still not available due to international legislation that varies across the nations.

Can I set up a funds transfer now to be executed at a future date?
Yes. The end user can now choose “Schedule” as a service, which will allow them to input a date up to one year in the future to schedule a funds transfer.

What is the maximum number of transfers that can be setup as recurring transfers?
There is no limit on the number of transfers that can be setup as recurring transfers as long as they remain only up to one year in the future. As an example; if setting up weekly recurring transfers, up to 52 transfers can be scheduled in advance. However, these transfers are still subject to the Daily/Monthly limits.

Can I set up regularly recurring funds transfers?
Yes. The end user is now able to set-up a recurring transfer by entering an amount, number of recurring transfers to be executed, a nickname, and by selecting the recurring frequency; the following recurring options are available with this option:

• Once every month – Every month on the same date picked for the first transfer.
• Twice every month – On the same date as the first transfer plus 15 days. (Exp: if you schedule the first transfer with the transfer date of 6/5, the next several transfer dates will be 6/20, 7/5, 7/20, and 8/4.
• Every week – Every week on the same day of the week picked for the first transfer.
• Every 2 weeks – Every other week on the same day of the week picked for the first transfer.
• Every 4 weeks – Every 28 days from the previous transfer date, starting with the first transfer date.
• Every 2 months – Every other month on the same transfer date as the first transfer.
• Every 3 months – Every three months on the same transfer date as the first transfer.
• Every 6 months – Every six months on the same transfer date as the first transfer.
• Every year – Once a year on the same transfer date as the first transfer.

Can I get higher limits for Funds Transfer?
Exceptions are made on a case by case basis. To inquire or request higher limits, please contact Customer Service at 1-800-383-6266.

Enhanced Login Security

What is Enhanced Login Security?
In order to comply with regulatory guidelines, enhanced Login Security is an online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information.

Why do I need to use Enhanced Login Security?
Enhanced Login Security will allow us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don't recognize your computer, we will request additional information that is known by only you, to ensure authorized access.

How does Enhanced Login Security work?
You will need to add extra security to each computer that you use for online banking. This can be done easily from the Enhanced Login Security Options page. Whenever you login from a computer that you have added extra security to, you will automatically have additional protection, and notice no difference in the way you login. However if you login from a different computer than the one you have added, you will be asked for additional information in order to login. Please note that if you use multiple browsers within the same computer you will need to add extra security to each browser separately.

How do you recognize my computer?
When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Presidential Bank to validate your identity and does not contain any personal information.

What will adding extra security protection do for me?
Adding extra security protection to your computer allows us to recognize your computer along with your normal login information, which helps add additional protection from unauthorized access to your accounts. If someone were to get your login information and try to access your account from their computer, having extra security protection will stop them from gaining access because they will be asked for information that only you know, and would not have that information.

What will happen if I remove extra security protection from this computer?
If you want to remove extra security protection from this computer, the secure cookie will be removed from the computer you are currently logged into, and all future logins from this computer will require you to provide more information about your self that only you will know. To remove extra security protection from this computer, select the Enhanced Login Security Options page, click the radio button that says "Remove extra security from this computer", and then click the submit button.

How does Enhanced Login Security protect me?
Enhanced Login Security allows us to know that it's really you logging into your account. We know it's you because we recognize your computer AND your login information. If we do not recognize your computer, then you will be asked for additional information that is known by only you.

Can I login from multiple computers and browsers?
Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you haven't added extra security to, you will be asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer, and avoid being asked for this extra information again.

Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

Can I still login to my account from anywhere?
Yes, this feature does not prevent you from logging in from any computer. If we do not recognize the computer that you are using then we will simply ask for additional information that only you know before allowing you access.

What should I do if I do not want to use a computer that I have previously added extra security to?
If, for any reason, you no longer plan on using a computer to access your accounts, and you have added extra security to that computer, you should remove the extra security from that computer. This can be done by logging into your account from the computer that you wish to remove the extra security from and selecting the "remove extra security from this computer" option from the Enhanced Login Security options page. This will remove the secure cookie from that browser; so that if an attempt to login to your account is made from that computer, extra information will be requested before access is granted.

Why do I keep getting asked for extra information when I login from a computer that I have already added extra security to?
This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that spyware blocker software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each login, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each login.

I share my computer with someone that also uses Online Banking. Can both of us still login from the same computer?
Yes. You can use the same computer to login to your individual accounts safely; you will not be able to access each others information. This is because your secure cookie is linked to only your login information. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to never share your Customer Number or Password with anyone.

How does Presidential protect you?
Keeping your online financial and personal information secure and confidential remains one of our top priorities. We ensure your privacy and security by offering technology and services designed by the brightest minds in the online banking industry. Learn more about Online Security, Enhanced Login Security and Identity Theft Resolution.

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Presidential Bank reminds you that email is NOT a secure means of communication. We encourage you to maintain contact with us through this medium, but please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. Help us keep YOUR personal information PRIVATE!

email@presidential.com
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last updated 02.01.2008 lmm
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