Credit Card Online FAQ
How secure is Credit Card Online?
One of our highest priorities is to ensure your privacy and peace of mind by employing some of the most advanced online security in the industry. Every step of the way, we provide you with commercial level state-of-the-art encryption of all data transmitted between your computer and our secure site. Most browsers today utilize an encryption method called Secure Sockets Layer (SSL). SSL is software based security protocol that encodes data before it is transmitted over the Internet. Once you enroll you will be able to use a self-selected user name-password system that serves as our first line of security.
What steps can I take to ensure the security of my account information?
There are several things you can and should do to protect your Credit Card Online account:
- Never reveal your User Name and Password to anyone.
- Never write them down where anyone can find them or figure out what they are.
- Change your password frequently within your profile.
- Always sign off before leaving your computer.
- Always sign off before accessing other Web sites.
What is encryption and why do I need it?
Encryption is a coding security device that keeps information that passes through the Internet private and secure. To maximize protection, Credit Card Online requires you to use 128-bit encryption. This 128-bit encryption level is 2x1026 more secure than the standard level of 40-bit. You will see the icon of a padlock on the bottom toolbar of your browser that indicates the information being transmitted is protected and encrypted.
What are the sufficient web browser levels to view the website and how can I upgrade?
A web browser is computer software that allows you to view the content and graphics displayed on a website. Credit Card Online requires the minimal browser levels of Microsoft® Internet Explorer 5.5 or later, Mozilla Firefox 1.0 or later, and Safari 3.0 or later (MAC OS users); in order to support the 128-bit secure link between your browser and us. You will know if your browser is not sufficient if upon entering a secure site, a note pops up on the screen indicating you should upgrade. We suggest upgrading to the latest versions. To upgrade, please click on one of the following links:
Microsoft products, click here.
Safari based products, click here.
Mozilla based products, click here.
What happens if I forget to sign off?
For security reasons, Credit Card Online becomes disabled after long periods of inactivity, and the system will automatically sign off. If this happens, you will be required to sign on again. We encourage you to use the sign off function for maximum security when you’re finished with the system or you walk away from your computer.
Do I have to enter the enrollment information each time I sign on?
No. After you have completed the enrollment process and selected a unique User Name and Password using Credit Card Online is easy.
How current is my transaction information?
You will have access to the same up-to-the-minute information that our Client Service specialists provide when speaking with you on the telephone. The only difference is that this information is right at your fingertips.
Why do some of my transactions have Web links?
To view transaction detail such as merchant information, transaction type, location, and merchant ID.
The information we display is provided by the merchant. Therefore, the amount and type of information displayed can vary. Some merchants may choose to provide only the store name and address; others may provide more extensive details.
What is the process for downloading transactions?
Downloading an account statement is easy.
- Go to the Transactions page.
- Select the period of the transactions you want to download and click GO.
- Select the format you want to download your transactions in (downloads are available in a QIF format, which can be imported into personal financial software packages such as Microsoft® Money and Quicken®. Tab-delimited and comma-delimited formats are also available for your download to spreadsheets, like Excel, or databases. Click GO.
Your transaction history will now be downloaded.
How can I set up my account to pay my credit card?
Just follow the 3 easy steps below to start making your credit card payments online.
What accounts can be used for payment withdrawal?
- Add an account to make the payment from. Before you can use this service to pay your bill online you will need to provide us with some information about the account you would like to pay your credit card from.
- Sign On and select Pay Bill and then Add a Payment Account.
- Enter your financial institution's information and click Submit.
Payments must be made in U.S. dollars. You can use any U.S. checking, savings, or money market account that accepts electronic withdrawals.
How do I make a payment?
How can I obtain proof of payment?
- Click Pay Bill.
- Choose the account you would like to pay from, the amount you would like to pay, and the payment date.
- Provide an e-mail address. For your personal records, you can also provide a memo and check number.
- Click Submit.
When you make a payment, you will receive a confirmation message and the payment will be added to your Payment History on the right side of the Make a Payment page. Also, the payment will appear as a withdrawal on your monthly bank statement and as a credit on your monthly billing statement.
Can I make changes to a payment once the request has been scheduled?
Yes. You can make changes to any payment in an open status by clicking the “Open” link in your Payment History.
Can I cancel the payment once the request has been scheduled?
Yes. You can cancel any payment in an open status by clicking the “Open” link in your Payment History. Click the “Cancel Payment” button located at the bottom of the Edit Payment page.
What will happen if I arrange for a payment to be withdrawn from my account, but my account does not have sufficient funds?
City National may choose to return the item, reverse any credit given for the payment and charge your credit card account a returned payment charge, late charge and any other fees and finance charges as provided in your Cardholder Agreement. In addition, if the payment is made and is withdrawn from a deposit account at City National creating an overdraft, we may charge the deposit account an Insufficient Funds ("NSF") Fee according to the terms of your deposit account's Fee Schedule and Account Agreement and Disclosure. If the payment is withdrawn from a deposit account at a financial institution other than City National, that financial institution may charge your deposit account an NSF Fee according to the terms of your deposit account agreement with it.
How do I enlarge the page font so that it is easier to read?
In your browser window, go to View > Text Size. Select “Larger”. The font size on your page will become larger.
What is the Adobe Acrobat Reader and why do I need it?
Adobe Acrobat Reader is computer software that presents documents in a unique, high-quality form called Portable Document Format (PDF). We display our Site Operation Guide as a PDF file. If you would like to view our Site Operation Guide, you will need to download Acrobat Reader. You can get your free Adobe Acrobat Reader by clicking on the following link:
Adobe Acrobat Reader
Request a copy of your City National Bank Visa®Cardholder Agreement or call 800-773-7100.