People's United Bank

FAQs

The FAQs subtopics provide answers to questions or issues you may have run into while using People's United Online Banking.

Getting Started

Getting StartedFrequently asked questions about Getting Started Using Online Banking
Is online banking free?


Yes. Online banking and bill payment are offered to our customers free of charge.

How long does it take to create an online banking profile?


It takes approximately 5-10 minutes to create an online banking profile. You will need your checking account number and the ending balance from your last banking statement.

What exactly can I do once my online banking profile is created?

Once your online banking profile has been created, you will have access to your account information. You can:

- View your running balances
- Access to up to 18 months of account history
- View and print up to 36 months on online statements
- Pay bills
- Setup e-Bills and receive your bills directly in your Online Banking Inbox
- Transfer funds between any of your eligible People's United accounts or other financial institutions
- Re-order checks
- Place a stop payment
- Make a brokerage transfer
- View check images
- Setup email alerts
- Use Quicken to view/download account history


Login Process

Login ProcessFAQ's about logging into online banking
How do I log into online banking?

From the login screen, (https://www.peoples.com), enter your username and click "continue". From there you will be redirected to a new page where you will be prompted to enter your password.

What are the password requirements for Online Banking?

Passwords are case sensitive and need to be 8-32 characters long and should consist of a mix of upper case letters, lower case letters and numerical characters. The following special characters are allowed: (@), (#), (*), (&) (.), ( _ ), (-)

Why did I receive a message regarding a One-Time Security Code when I attempted to login to online banking?

Our enhanced security is designed to detect changes in behavior that are possible indicators of fraud. The system may ask for additional information when the behavior is different. For example, if you regularly sign onto Online Banking from your personal computer and are now attempting to sign on using a mobile device we may require additional authentication.

Step-up Security Option:
1. One-Time Security Code: gives you the choice to receive either a phone call or SMS text message with the code. The phone number used for phone call or text options will be based on the phone numbers on file.

What if my phone number is not listed?

If you need assistance updating your phone number, you can either visit a local branch for assistance or call our People's United Call Center at 1-800-525-9248 and we will be happy to assist you. Our Call Center representatives are available 7:00 A.M. to 11:00 P.M. ET, 7 days a week.

What if I don't receive my one-time security code via text message?

Please note that a text message can take a few minutes to be delivered. If you still do not receive a text after a few minutes you can cancel and try again or you can try the other security options available.

What if I log in a lot from different locations?

Our security system is designed to detect changes in behavior that are possible indicators of fraud. In this case, additional authentication may be required in order to access online banking.

Why did I get an email notifying me that my account has been locked?

Your account may be locked due to failed login attempts. To ensure that you are aware of your account status at all times, you will receive an email notifying you that your account has been locked.

Why can't I login to my account?

You may be experiencing difficulties accessing your account due to one of the following reasons:
• The username and/or password you have entered is incorrect
• You have had three invalid login attempts and have been locked out
• If you are trying to login from www.peoples.com, the account type selected may be incorrect (for personal accounts 'Personal' should be selected or you may access the personal accounts login page by clicking here.

If you have verified all of the above information and are still having difficulty accessing your account, please call us at 1-800-525-9248.

Account Preferences

Account PreferencesFrequently asked questions about editing your Account Preferences
What accounts can I see online?

You can view all of your personal deposit and loan accounts online that you are listed as an owner, including the following:

• Checking
• Savings (including passbook and quarterly savings accounts, Money Market, Deposit IRA accounts, CDs)
• Mortgages
• Personal Credit Lines
• Home Equity Loans and Lines of Credit

What is the Financial Center home page?

The Financial Center homepage is designed to be an "at a glance" view of your information while allowing you to complete many tasks on one page. The Accounts Overview, Payments and Transfers services can still be can easily found by using the Mega Menu tabs listed at the top of the page.

What are some of the tasks I can perform on the Financial Center page?

Some of the most common tasks include:

- View transactions
- View Account Details
- Bill Payment - including expedited payments
- Transfers - one-time, reoccurring or external transfers
- Manage Mobile banking devices
- Manage Alerts
- Change account descriptions and more

What is a widget?

A Widget or an (App) is a panel that enables quick, at-a-glance information, or access to simple tasks such as transfers and payments.

Can I add additional Widgets to the Financial Center?

At this time, the only Widgets available are the current Widgets displayed- Accounts, News and Announcements, Mobile Banking Center and Money Center.

What type of accounts can I see in my Accounts Widget?

In the Accounts Widget you will be able to view available and current balances for each of your People's United Bank deposit accounts, loans and credit lines.

Where can I find my full account number within Online Banking?

If you need to see your full account number, the easiest way to do so is:

• From the top navigation Mega Menu under the Accounts tab, click " Statements"
• Select your account- and in the pop window your full account number will be displayed at the top of your statement.

Can I move the Widgets around to another part of the screen?

Yes, to reposition a Widget you can simply "Drag & Drop" the Widget. In other words, place the mouse cursor over the title bar of the Widget you want to move, and then drag the Widget to the desired location on the Financial Center page. A dotted line will outline locations where the Widget can be moved and the next time you sign in we'll remember where you put them.

Balances and Transactions

Balances and TransactionsFAQ's about Balances and Transactions
Where is the accounts overview page?

You can access the accounts overview page in two ways:

- From the top navigation Mega Menu under the Accounts tab
- From the Accounts Widget - Just click on any account - and in the pop up Recent Transactions window, choose the View All Transactions link at the bottom.

I am unable to view my account information on the Financial Center page. What can I do?

The Mega Menu offers tabs at the top of the Financial Center home page that provides you with a full view of the available features and services. For instance, to access the Account Overview page:
- Look in the top navigation Mega Menu under the Accounts tab
- Via the Accounts Widget - Just click on any account - and in the pop up Recent Transactions window, choose the View All Transactions link at the bottom

Why doesn't the Accounts Widget show my Account Activity detail?

The Accounts Widget displays a list of your available accounts with balances and recent transactions and even allows you to choose which accounts are listed. Here are some tips on how the Accounts Widget can help you:

- Click the drop-down icon next to the account description to display a menu of options available for that account.
- To access more account activity detail, click on the "view all transactions" link at the bottom of the recent transactions pop up window.

For additional convenience you can also use the Mega Menu at the top of the Financial Center home page, choose accounts, then click on account activity.

What is a NEACH transaction?

A NEACH transaction is an electronic withdrawal or deposit from a company that you authorized. The authorization can be from a check that was sent to pay a bill or a payment done over the phone.

What is the difference between my Available Balance and my Current Balance?

Your Available Balance is our most recent record of the amount of money available for your use or withdrawal. Your Available Balance includes pending transactions such as withdrawals we have authorized for your debit card purchases or ATM withdrawals, transactions known to us, such as checks or preauthorized ACH withdrawals that we have received for payment from your account but have not yet paid or other pending transactions which will not be posted until a future Business Day. Your Current Balance is your actual balance during each calendar day, meaning the amount of money that is in your account at any given time whether or not the money is available for withdrawal or use by you. This balance figure includes debit card transactions that have posted to your account as well as the full amount of all deposits you have made even though some portion of a deposit may be on hold and not available to you. Neither your Current Balance nor your Available Balance includes funds form a Personal Credit Line, Overdraft Protection Sweep or overdraft protection program.

Bill Pay

Bill PayBill Pay FAQ's
When can I start paying bills from a new account I just added to my online banking profile?

When you add your new account, you must enable your account for bill payment. To enable the new account for bill payment, follow these steps:

- Select Customer Service from the top navigation
- Click Customize Your Accounts
- Check the box next to the account you wish to enable for bill payment
- You can schedule a bill payment immediately

How long does it take to add new payees to my list?

It does not take long to add new payees to your list of bill payment payees.

You will be able to instantly add payees and immediately schedule payments to them. You can even search for companies by name from a list of payees already on file with the Bank. The address information will even be automatically filled in.

Why hasn't my payment been processed?

There are different ways merchants (payees) receive payments. You should make sure that enough time has elapsed to be sure that the payment isn't already being processed by the merchant (payee).

If you know they had enough time to process the payment (we would suggest a minimum of 7-10 business days), you can call or email People's United Bank with the date your payment was made using our bill payment service, and we will immediately start researching as to the cause of the delay.

We will resolve all bill payment problems within 10 business days of your report to us. In the majority of cases, the merchant has received the People's United Bank payment and has simply not credited your account as of the time of your initial inquiry or last statement.

What is the difference between a "Completed", "Sent" and "Cleared On" status?

- "Completed": we have confirmed that the merchant received this payment electronically from us.
- "Sent": we have confirmed that we have mailed a physical check to the merchant on your behalf
- "Cleared On": the check has been presented and cleared.

Why does my "Sent on Date" differ from the date my account was debited?

At the end of the business day, our banking system reconciles all the transactions on your account and processes all the various types of transactions (Deposits, Withdrawals, Payments, etc.). On rare occasions where there are many transactions for our customers, this process may not complete until the early morning on the following day.

As a result, the bill payment debit may actually occur on your account very early the next day. As long as your account is in good standing and contains enough money to cover your payments, we will not hold back payment to your merchant based on this kind of processing delay.

Why did my bill payment overdraw my account?

If you scheduled a bill payment and did not have funds to cover it in the account you specified, your account may become overdrawn as our system attempts to make the payment for you.

Our representatives will review the bill payment transactions on the following day and may return the payment and credit your account. However, certain electronic payments cannot be returned as the funds have already been sent to your merchant. Overdraft fees may apply.

Why was my payment sent a day later than when I scheduled it?

Your payment may have been sent a day later than when it was scheduled due to verification that is completed by People's United Bank.

Before sending payments to your payee, People's United Bank verifies that your available balance contains enough money to cover the bill payment. During our end of day reconciliation of your accounts and transactions, our system checks your current and available balances to ensure you have the adequate funds to cover the payment. If funds are not sufficient, our bank representatives will review the payment on the following business day to determine if funds have become available and make the final decision to continue to process or cancel the bill payment.

Please remember to have sufficient available funds in your account to ensure that your payment can be sent on time. As always, please allow adequate time for your payment to be received and credited by your merchant.

What is an e-Bill?

E-Bill is an electronic version of your bill that you receive directly through our Online Banking system. This electronic bill can be viewed immediately. An e-bill looks exactly like your paper bill. The only difference is that it is conveniently delivered to online banking.

E-Bills are free and they can accelerate and simplify the bill paying process. You simply click it, view it, and pay it.

What if I need a paper copy of my bill?

Since your e-bill is available online you can print a copy if you need one.

How do I switch from a paper bill to an e-bill?

To receive e-bills, click the "Set up e-bill" link, below the company name, and follow the online instructions. You should begin receiving your e-bill online within 1-2 billing cycles.

Why is my e-Bill not setup?

If you are experiencing a problem setting up an e-Bill, please contact the Call Center at (800) 525-9248.

Why did my existing recurring payment series get deleted when I modified it?

If you modified an existing recurring payment and you were prompted to change the start date, the existing recurring payment will be deleted and a new one will be created.

Once you complete your changes, under the 'Make Payments' tab, you will see your modified payment under 'Pending Payments'. You will receive an email confirming that your previously scheduled recurring payment series was cancelled, but will not receive a confirmation email that the new payment series has been created.

What is the Expedited Payments service?

The Expedited Payments service allows you to make overnight payments to anyone, anywhere in the continental United States (the contiguous 48 states and the District of Columbia) from one location.

What types of Expedited Payments are available?

Our Expedited Payment feature provides you two options to make your payments. The first payment option allows overnight checks to almost any payee the next business day. To ensure overnight delivery, overnight checks can only be sent to a valid street address in the continental United States.

The second payment option is an expedited electronic payment. This option is available for any payee that we currently send electronic payments to and will save you the cost of postage. When you setup your payment, the system will display the payment options that are available to you for the specific payee.

What is the difference between expedited electronic and expedited overnight check payments?

Expedited electronic payments are only available for payees that we currently send electronic payments to or "managed payees". The cutoff time for expedited electronic payments is based on the payee and their ability to accept payments that day.

Overnight Checks can be sent to any payee that you establish. Once you create the payment request a check will be generated and delivered to the address that you provided. The cutoff time for overnight check payments to be delivered the next business day is 7:45 pm ET.

Important: All expedited payments will arrive at their destination the following business day.

What are the benefits of Expedited Payments?

• Enjoy piece of mind – take comfort in knowing that you can make a payment quickly
• Avoid late fees – pay a bill as soon as the next business day versus a normal payment that can take up to 5-7 business days
• Safeguard your credit rating – protect your financial wellbeing by avoiding late payments

Are expedited payments safe?

Yes, all Expedited Payments are wrapped into our secure and confidential Online Banking service.

Is there a fee associated with an Expedited Payment?

Yes, there is a nominal convenience fee of $5.95 for expedited electronic payments and $17.95 for overnight checks.

What account is the convenience fee deducted from?

The convenience fee is deducted from the funding account the payment was made from as a separate transaction.

Why do I need to enter or edit an address for Overnight Check Payments when I do not have to for regular payments?

Sometimes payees indicate a special address to use for payments delivered via an overnight service. If the address is a P.O. Box, you will need to contact the payee to identify an address to use.

Are there any payments I can't issue?

Yes. Expedited Payments cannot be sent to an address in Hawaii, Alaska or to a P.O. Box.

When should I schedule my payment to be sure it arrives by the due date?

Depending on the type of payee, your payment will be made electronically (delivered in 1 or 2 business days) or by paper check (estimated delivery in 5 business days). Payments requested prior to the 9:00 PM ET cut off time will be scheduled the same day.

You can choose a "Deliver By date" or a "Send On" date.

Deliver By date- means the date you would like your payment to be delivered to your intended payee. Note: this may or may not be the date your payment will be posted by your payee.

Send On date- means the date we will begin the delivery process or the date we will send a request to withdraw funds from your account and begin the delivery process. The Send On date may or may not be the date funds are withdrawn from your account.

Please remember a Business Day is every day except Saturday, Sunday or a federal holiday.

Is there a same day payment option for Peoples United deposit or loan accounts?

Yes, Internal Transfers made to your eligible People's United deposit or loan account before 11:00 pm Eastern Time on a Business Day will begin processing the same Business Day. If the internal transfer is made on a weekend, bank holiday or after the close of a Business Day then it will be posted on the next Business Day.

Person-2-Person

Person-2-PersonFAQ's about Person-2-Person
What is Person-2-Person Pay?

Person-2-Person Pay is a convenient way to send money electronically from your People's United Bank checking account to anyone who has a United States bank account, using Online or Mobile Banking.

Is the Person-2-Person Pay service free?

Yes, there are no fees for the Person-2-Person Pay service.

Is my personal information shared with my recipient?

No account or financial information will be shared with your recipient. In order to process your transaction, we may share your name, email address and phone number with the recipient, in addition to anything you enter into the optional message field.

What is the limit for Person-2-Person Pay transactions?

The maximum dollar amount allowed for a Person-2-Person Pay transaction can be up to $2,000 per transaction/per day.

How do I enroll in Person-2-Person Pay?

Enroll in Person-2-Person Pay with just a few simple steps:

1 - Sign into Online Banking at www.peoples.com
2 - Select People Pay from the Pay and Transfer tab
3 - On the enrollment page, verify your email address
4 - Review our People's United Person-2-Person Pay Service Agreement and Disclosures; acknowledge that you have read the agreement, and agree to continue.


Is Person-2-Person Pay available using the Mobile Banking app?

Yes - Once enrollment into the Person-2-Person Pay service is completed using Online Banking. It is also available using the Mobile Banking app.

What is a "contact" and how do I create a contact?

A contact is a person you setup as a recipient of a Person-2-Person Pay payment. The only information required to add a contact is the first name, last name, and an email address or mobile number where we can notify the contact that they have received a payment. Additional delivery information including the contact's bank account can also be added.

What delivery options are available to send a Person-2-Person Pay payment?

There are two delivery options the recipient can choose:

• To have the funds go directly to their bank account
• Funds can be sent instantly to the recipient’s PayPal account

When is the payment debited from my account?

Your payment method will determine when your account is debited. If you decide to send money by:

Email/Mobile Number – Payment is debited from your account once your contact has claimed the Person-2-Person payment

PayPal or Bank Deposit - Payment is debited immediately from your account


How is the person receiving the money notified?

The person receiving the funds, will get a text message or email notification

• Using a contact's email or mobile number:
Your contact will receive a text message or email notifying them of the payment

• Using a contact's bank account information:
The funds are deposited directly into you contact's account with no additional action on their part. Please make your contact aware of Person-2-Person payments you have sent to them.

Where can Person-2-Person Pay payments be sent?

Person-2-Person Pay payments can be made to customers residing anywhere within the United States, its territories (American Samoa, Virgin Islands, Northern Mariana Islands, Guam, Puerto Rico, and the District of Columbia), and military installations.

Does my contact have to be an enrolled Person-2-Person Pay user to receive a Person-2-Person Pay payment?

No. Person-2-Person payments can be sent to virtually anyone and the recipient does not have to be a People's United Bank customer or an enrolled Person-2-Person Pay user.

Can a payment be edited or canceled after it has been submitted?

If you have sent the payment using a bank account or PayPal delivery method, then the payment cannot be edited or canceled. Payment processing begins immediately after you submit the payment.

However, if you sent the payment to an email address or mobile phone number and your contact has not claimed it, you can cancel the payment by clicking the "Cancel payment" link on the Outgoing Payments tab.

How do I know if my contact has claimed funds sent to them by email or mobile phone number?

You can view all of your Person-2-Person Pay transactions using Online and Mobile Banking. Select Outgoing to view all sent Person-2-Person Pay transactions which include a current status.

How long does a contact have to claim an incoming payment?

Your contact has 10 calendar days to claim the funds after the payment is sent.

What happens if my contact has not claimed a Person-2-Person Pay payment sent to them by email or mobile phone number?

The payment will expire after 10 calendar days and you will need to initiate a new payment.

Can my contact decline a payment?

Your contact can decline a payment sent via email or mobile phone number. Payments sent to a bank account or PayPal cannot be declined.

How do I accept a Person-2-Person payment?

Customers enrolled Person-2-Person Pay will be able to claim payments using Online or Mobile Banking. Select the Incoming tab to view, accept or decline your Person-2-Person payments received.

Customers not enrolled, the notification that you receive will provide a few simple steps to claim the funds sent to you.

Transfers

TransfersFAQ's on Transfers
What is the cut-off time to schedule a transfer between my People's United Bank accounts?

To ensure your funds are transferred to the account and available, transfers should be made before 11:00 p.m. ET, Monday through Friday. If the transfer is made on a weekend or holiday – or after the close of a business day – then it will be posted on the next business day.

What is an external transfer?

An external transfer is a way for you to move funds between your People's United Bank accounts to an account that you own at another financial institution.

What do I need to setup an external transfer?

A People's United Bank checking account and a deposit account in which you are an individual or joint owner at another financial institution.

Can business customers perform external transfers?

No, this is not a feature currently available for business customers.

Can I use external transfers to send money to my family/friends accounts?

No, you can only send money to an account in which you are an individual or joint account owners

.

What types of accounts are eligible for external transfer?

You can send an external transfer from a checking account only. You can receive an external transfer to a checking or savings account. You must be an individual or joint account holder on the external account.

What is the one-time security code I see when I complete an external transfer?

It is a randomly generated one-time code we provide to you. You may be required to enter it before completing certain external transfer transactions to prevent fraudulent transactions and unauthorized access to your financial information.

Why is a one-time security code needed for external transfers?

A one-time security code is an extra layer of protection that helps protect your funds and financial information. By requiring the entry of a one-time code and the use of a phone you have on record with us, fraud may be prevented even if an unauthorized user learns your online banking user ID and password. It also helps protect you by notifying you if an unauthorized user attempts to complete external transfer transactions without your knowledge.

How do I use a one-time security code for external transfers?

The one-time security code gives you the choice of receiving either a phone call or SMS text message with the code. We will call or text based on the phone numbers we have associated with your accounts to complete the transaction.

Do I need to save the one-time security code for future external transfers?

No, once the code is used, you will no longer be able to use it. However, for larger dollar transfers, when you make changes to your external transfers, add new transfers or change other information regarding your external transfers, you may receive a new one-time security code.

After setting up my account for external transfer, I received a message "transaction verification required". What is that?

To successfully verify the funding account we will make two small test transaction deposits to your external account, in addition to an email from People's United Bank. The email will notify you go to your People's United Bank account to verify the small dollar deposits to complete your external transfer set up.

Is there a fee to transfer TO my People's United Bank account from a different financial institution?

No, there is no fee to transfer money to your account here at People's United Bank.

How long does it take for my funds to become available when I schedule an external transfer to a different financial institution?

External transfers take 3 business days to complete. It is possible you may see the transferred amount reflected in your balance sooner; however funds may not be available for up to 3 business days.

Is there a fee to transfer FROM my People's United Bank account to a different financial institution?

Yes, there is a fee of $2.50 to transfer money to a different financial institution.

How long does it take for my funds to become available when I receive an external transfer to my People's United Bank account?

External transfers take 3 business days to complete. It is possible you may see the transferred amount reflected in your balance sooner; however funds may not be available until 3 full business days after the date of transfer request.

Can my external transfer be rejected? If so why?

Yes, your external transfer can be rejected if there are insufficient funds in the originating account or if an ineligible account is used to set up the External Transfer, the transaction will be cancelled.

How do I cancel an external transfer?

To edit or delete a scheduled transfer, from the Money Center:

- Click the minus sign next to scheduled transfers
- Click on the drop-down icon next to the description to edit/cancel


You can also cancel the external transfer by navigating to the Pay and Transfer tab from the Mega Menu.

Can I pay my loans by transferring funds?

Yes, you can pay your loans held by People's United Bank by setting up a one-time transfer or recurring transfer.

What is the cut-off time to schedule a transfer to my People's United Bank loan account?

Same day transfers should be made before 11:00 p.m. ET, Monday through Friday. If the transfer is made on a weekend or holiday – or after the close of a business day – then it will be posted on the next business day.

When I set up a transfer to my loan account, I see that I can also make a principal payment. How does this option work?

Yes, you can pay your loans held by People's United Bank by setting up a one-time transfer or recurring transfer.

When I set up Transfer to my loans, I see that I can also make a principal payment. How does this option work?

When setting up a "Once, Now Transfer", you have the option to transfer an additional amount towards the principal of your loan. This option is only available when setting up a Once, Now Transfer. The option to pay towards your principal is not available when setting up a recurring payment.

Can I make a principal loan payment towards my loans held at other banks?

Unfortunately, No. you can only transfer to loans held at People's United Bank.

Why can't I transfer my funds towards the principal of the loan when setting up a recurring transfer?

The option to transfer funds towards the principal is only available when setting up a "Once, Now Transfer". You can continue to setup a recurring transfer, but will not have the option to directly apply funds towards the principal.

Why can't I see the principal payment feature for my loan?

A loan must be current in payment in order to accept principal only payments.

Why can't I see the principal payment feature for my loan?


A loan must be current in payment in order to accept principal only payments. Etc.

Can prior year IRA, Coverdell IRA and HSA contributions be made using online banking?


No. All IRA, Coverdell IRA and HSA contributions processed using online banking are reported as current year the day the credit is applied to the account.

How can I make a prior year IRA, Coverdell IRA or HSA contribution?


Visit your local branch or contact the Call Center at (800) 772-1090, option 5.

How do I receive a wire transfer?


To receive a wire transfer to your account, please provide the following information to the individual or business that is sending the wire:

Domestic (U.S.):
- Wire Routing Transit Number: 221172186
- Bank Name: People's United Bank
- City, State: Bridgeport, CT
- Your Account Number: Your full account number
- Title of Account: The name of your account as it appears on your statement

International:
- Wire Routing Transit Number: 221172186
- SWIFT Code: PESBUS33
- Bank Name: People's United Bank
- City, State: Bridgeport, CT
- Account Number:Your ten digit account number
- Title of Account: Your name as it appears on your account

For more competitive rates on your incoming foreign currency wire please contact your local branch for currency specific instructions.

Statements

StatementsFrequently asked questions about Statements
Can I download my eStatements?


Yes, you can download one account statement at a time using Web Connect, QIF format used by Quicken and Microsoft Money or the CSV file format for Microsoft Excel.

When will my eStatements become available and for how long?


Your eStatements are available online at approximately the same time your paper statements are mailed out and remain available for up to 36 months.

Checks

ChecksFAQs relating to Checks
What is my Routing Number/Transit Number/ABA Number?

People's United Bank Routing Number is: 221172186.

The 9-digit Routing Number and Bank Account Number are found on the bottom of your check. The Bank Routing Number is the first sequence of numbers; the Bank Account number is the second sequence of numbers.

Why is my image not available?

There are two reasons why a check may not be available to view. Either the "pop-up blocker" is turned on or the check image may not have posted to your account yet.

Many of the new browser versions will have pop-up blocker enabled which may prevent you from viewing your images. The popup blocker function can be disabled so that you may view and have access to all of the features in online banking.

Alerts

AlertsFAQs asked about Alerts
Can I set up an alert for my account?

Yes, you can set up an alert for your account through Online Banking to help you stay informed about your account information. You can receive alerts via email or text message (standard text message and other rates may apply; see your carrier for details). You can set up alerts for the following categories:

Account Alerts: balance information, deposits received, specific check number clearing, transfers processed
Bill Payment Alerts: payments processed or failed , payee added or changed
Service Alerts: new statement available, password or contact information changed

Are the alerts sent in real time?

No, alerts are sent on a daily based on your account information at the end of the previous business day.

Additional transactions may have posted to your account since the alert was sent.

Can alerts be sent to my mobile devices?

Yes, alerts for online banking can be delivered to a text or web-enabled cell phone, an email address, or both.

Where is the Secure Message Center located?

The People's United Online Secure Message Center is located under the Customer Service tab. You may simply click "View Messages" or "Contact Us" to get started.

Loan Details

Loan DetailsFAQs asked about Loans
Can I pay my People's United Bank loan account online?

Yes. If you have your checking account and your loan with People's United Bank, you can pay your loan through Online Banking, simply by clicking Pay and Transfer and then select Make a transfer.

What is the Estimated Payoff amount?

The Estimated Payoff displays the estimated amount needed to pay the loan in full including fees and accrued interest from the last payment through the future effective date.

What does the estimated payoff good through date mean?

The good through date includes exactly how much you must pay by the specified date to satisfy the loan. The estimate will include the unpaid principal balance and interest accrued.

How is the interest per day calculated?

The interest amount is calculated on a per diem basis based on the current unpaid balance. For payoff amounts accruing each day after the Estimated Payoff Good Through date, the interest per day must be added to the Estimated Payoff amount until funds are received by People's United.

Where can I send my payment for my loan payoff?


What is the cut-off time to schedule a transfer to my People's United Bank loan account?

Same day transfers should be made before 11:00 p.m. ET, Monday through Friday. If the transfer is made on a weekend or holiday – or after the close of a business day – then it will be posted on the next business day.

Who do I contact if I have questions about my loan?

Please call 1-800-525-1006 with questions about your loan, Monday through Friday 8 am to 6 pm and Saturday 9 am to 4 pm.

How can I request a written payoff statement for my Mortgage or Home Equity Line of Credit?


Where can I send my payment for my loan payoff?

Please send payoffs to People's United Bank, Loan Servicing, P.O. Box 205, Brattleboro, VT 05302.

How can I request a written payoff statement for my Mortgage or Home Equity Line of Credit?

To request a written payoff statement, please call 1-800-525-1006.


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