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Banking Online - FAQs

How do I sign up for Dart Express Net Internet Banking?
Simply contact your local office to obtain an application. Once the application has been signed your Dart Express Net user ID and PIN (Personal Identification Number) will be assigned and you can begin banking online. You can also complete our on-line application (from the home page click on Banking Online and then Apply) and submit it to us via mail. Within 72 hours of receipt of your on-line application you will be contacted with your Dart Express Net user ID and PIN.

How do I get started?
Dart Bank will assign you a Dart Express Net ID and PIN to use when signing on to the system. The first time you sign on to Dart Express Net you will be prompted to change your PIN. Your PIN must consist of 4 - 8 alphanumeric characters.

Note: Dart Express Net Internet Banking is best viewed with Netscape Navigator 3.02 or higher, or Microsoft Internet Explorer 4.0 or higher. Your browser must support 128-bit SSL encryption. If your browser does not support 128-bit encryption, you will need to upgrade your browser. You can do this through our website by clicking Banking On-line and then Software Requirements.

How can I change my Dart Express Net PIN?
You can change your Dart Express Net PIN simply by clicking the drop down menu under Services and click on Management. Under Account Management Options click on Change Dart Express Net PIN. You will be asked to enter your PIN, your new PIN and to verify your new PIN. PINs can be alphanumeric and must be between 4 - 8 characters in length.

Why is my account locked?
You are allowed three (3) invalid sign-on attempts before the system locks you out. If you are locked out, please call the bank at (517) 676-3661 or (800) 968-6818 (the toll free number is an automated service, press 0 to speak to an operator during normal business hours).

How can you ensure the security of my bank information?
Dart Bank follows strict standards to ensure the security of your banking information online. Some of these standards are listed below:

  • Your banking information never travels the Internet without encryption protection.
  • Your account numbers are never sent through the Internet, only the assigned names (it does appear on statements or check images).
  • Login sessions have a 10-minute time-out limit requiring you to login again once the limit is reached.
  • Three incorrect login attempts will lock out the Internet banking account.

What can I do to protect my account and personal information while I'm banking through the Internet?
Memorize your Dart Express Net ID and PIN. Your Dart Express Net user ID and PIN verifies you when you begin an Internet banking session with Dart Bank.

  • Do NOT use the save password option on your computer.
  • Do NOT write down your ID and PIN or reveal it to anyone.
  • Change your PIN regularly. It's important to periodically change your PIN.
  • Remember to sign-off when you are finished banking online.

You may not always be at your own computer when you bank online. Therefore, it's important to Exit when you're finished banking or leave the room for a few minutes while in an open banking session. For your protection, Dart Express Net automatically logs you off after 10 minutes of inactivity.

I created an alias for my Dart Express Net user ID, but can't remember it. How do I get into the system?
Simply use the original Dart Express Net ID number that was assigned to you when you opened your Internet Banking account. If you cannot locate the original Dart Express Net ID number, you may call us at (517) 676-3661 or (800) 968-6818 (the toll free number is an automated service, press 0 to speak to an operator during normal business hours) and it will be mailed out to you. Once you are logged on you can create a new alias.

I'm having trouble signing in. What am I doing wrong?
More than likely you have forgotten your PIN or you entered an invalid PIN. You are allowed three (3) invalid sign-on attempts before the system locks you out. You will then need to call Dart Bank during normal business hours at (517) 676-3551 or (800) 968-6818 (the toll free number is an automated service, press 0 to speak to an operator during normal business hours) to have your user ID unlocked.

The system has stopped accepting my commands and the login screen appeared. What happened?
The system may have been idle for 10 minutes or longer. For security purposes, the system is set with a default feature for a 10-minute time-out. If the system is not used for 10 minutes, your session will become inactive and you will have to login again.

Can I download my account information to my financial management software?
Yes. You can download account information to Quicken, Microsoft® Money or a spreadsheet program such as Excel or Lotus. The information may also be saved as text and exported to any word processing software. Refer to your Dart Express Net Home Banking User Guide for step-by-step instructions.

How late in the evening can I transfer between accounts?
The transfer cut-off time is typically 6:00 p.m. EST Monday - Friday, except bank-declared holidays. Transfers made before 6:00 p.m. EST Monday - Friday will post on the same business day. Transfers made after 6:00 p.m. EST may post on the same business day if done early enough, but should not be depended upon as they will likely be posted on the following business day. Transfers made on weekends and bank-declared holidays will post the following business day.

What should I do if I receive an error message during a transfer?
Do not immediately "recreate" the transfer. Although you may not have received a confirmation number, the transfer may have posted. First, check the account the transfer was from, and then check the transactions in the account to which the funds were transferred. If no debits or credits appear on your accounts, then the transfer was not completed. You can then "re-enter" the transfer.

How current is the account information I access through Dart Express Net?
Transfers made on-line through Dart Express Net will appear as a memo post item on each account once a confirmation number is given by the system. Other transactions received by Dart Bank during the day, including electronic transactions, may be shown as a memo post. Memo post items will update the Available Balance, but will not affect the Current Balance, or the balance shown in the transaction history until after the bank's nightly processing.

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