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The Lowell Five Cent Savings Bank
Welcome to the Frequently Asked Questions area.

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    What equipment and software do I need to access The Lowell Five Cent Savings Bank’s Online Banking product?
    Is the Lowell Five website safe and secure for online banking?
    Can anyone else access my account information?
    If Online Banking goes down will my transfers be processed?
    What types of accounts can I access through Online Banking?
    Can I have more than one checking account linked to Online Banking?
    How current is this information?
    Does Online Banking work with Microsoft Money?
    I can view other areas of The Lowell Five’s Website but I can't get into Online Banking. What's wrong?
    How does Bill Payment work?


    Question #1

    What equipment and software do I need to access The Lowell Five Cent Savings Bank’s Online Banking product?

    Answer:

    You will need an Internet Service Provider (ISP) and Browser software that supports Transport Layer Security (TLS) encryption. For best results, we recommend Microsoft Internet Explorer 10 or 11, Mozilla Firefox 35 (or higher), Chrome 40 (or higher), or Safari 6 (or higher). In all cases, it is important that you use the most recent release of your computer’s browser software.


    Question #2
    Is the Lowell Five website safe and secure for online banking?

    Answer:
    Yes. We use 128-bit encryption: Transport Layer Security 1.2 (TLS) for all communications.


    Question #3
    Can anyone else access my account information?

    Answer:
    No. Your online account information is available through access methods that have been rigorously tested for security. The information is not public. Only you can access your information using your unique Sign-On ID and Password. You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password. Never give out your Sign-On ID or Password, and always log off of the system after each session.


    Question #4
    If Online Banking goes down will my transfers be completed?

    Answer:
    You can be assured that any transaction processed prior to the system going down will be completed. If you have any question as to whether a transfer has been processed, please do not hesitate to contact the Bank at (978) 452-1300.


    Question #5
    What types of accounts can I access through Online Banking?

    Answer:

    You can access the following types of accounts:

    •Checking 
    •Savings
    •Loan
    •CD's/Investment


    Question #6
    Can I have more than one checking account linked to Online Banking?

    Answer:
    Yes. You can link all of your checking accounts to Online Banking.


    Question #7
    How current is my information?

    Answer:
    All transactions and balance updates are performed almost immediately. Therefore, any transactions you perform today that change your balance (i.e. in-Bank deposits and withdrawals, or ATM deposits and withdrawals, etc.), will reflect in your balance today. Certain ATM transactions may take longer periods to clear and will not be deducted from your account balance until they have posted.


    Question #8
    Does Online Banking work with Microsoft Money?

    Answer:

    Absolutely. Our Online Banking product was designed to be highly compatible with this popular software. We have achieved this compatibility by building an industry-standard Microsoft Money Interchange Format (QIF) downloading capability right into Online Banking. You can access the downloading capability from the Reports screen.


    Question #9
    I can view other areas of The Lowell Five’s Website but I can't get into Online Banking. What's wrong?

    Answer:
    If you are able to view other areas of our web site, but are unable to access The Lowell Five’s Online Banking, it may indicate that you are having a problem accessing secured sites in general. Both your browser and Internet Service Provider must support secured sites. If you are still experiencing issues, please refer to the equipment and software requirements in Question #1.  In addition, the website’s cookies must be allowed to accept a session-based cookie. To enable cookies for Internet Explorer 10 or higher:

    •Click on Tools 
    •Click on Internet Options
    •Click on the tab marked Privacy
    •Click on Sites
    •Add Address of website: https://secure-lowellfive.com 
    •Click Allow
    •Click OK
    •Click OK again


    Question #10
    How does Bill Pay work?

    Answer: Bill Payments will be made on the business day of your choosing.  Most payments will be made electronically, however some payees will not accept electronic payments.  In this situation a paper check will be made on your behalf.