National City Online Banking comes with no extra charges attached to it and can be accessed by the account holders completely free of cost. The account has no limit on accessibility and can be browsed by the customer without any limitations. National City Online Banking offers its clients with the following unique services :-

• Customers of the bank can access the respective balances of their accounts. They can access a maximum number of 50 accounts through this service.
• The customers are entitled to access all the latest and previously performed (the history of transaction that remain in the site ranges upto 3 months) information on transactions.
• National City Online Banking has facilitated its account holders in accessing their accounts through online services. They can view the statements of all the transactions from the website of the bank. Account holders have the facility of downloading and then having a print-out of those online statements. These statements are of three types, namely, saving statements,checking statements and combined statements.
• Image of the checks can be viewed through the Internet just by logging into the website of National City Online Banking . Not only this, those images can also be printed from the online site.
• Transactions done through ATM and CheckCard can be viewed by the account holders of National City Online Banking.
• Running balance can be viewed for both savings and checking accounts. But this facility is available to the account holders for a specified time period from 8am to 12 midnight only and not after 12am.
• Funds required to pay the outstanding monetary sums to the National City Bank such as mortgage loan payments, regular payments of installments of a loan, Equity Reserve, outstanding payments of credit card, etc can be transferred through the online services to selective accounts of the National City Bank.
• Fund transfers including scheduled recurring transfers can be materialized between selective accounts of National City Online Banking on a real time basis.
• All the above mentioned information can be transferred to the personal accounting software attached to the PC .
• Any type of inconvenience, instruction and additional information (regarding inquiries on online bill payment, stopping of any payments, address and email ID change informations, etc) can be sought by the account holders by sending an email to the customer service of the National City Online Banking.
• Any interested customer can apply online for opening a new savings account or to register himself for any loan or mortgage program.

All sorts of account types can be accessed through National City Online Banking such as

• savings account
• Accounts meant for Certificate of Deposit
• Brokerage accounts of NatCity
• Accounts of personal credit card
• Accounts of the loans taken on an installment basis
• Accounts meant for protecting overdraft

National City Online Banking can be enrolled by the customers of the bank just by supplying the informations on account number, check card number or Social security Number to the bank.

One can also enroll oneself for the online services by filling up the enrollment form available online and submitting it through the same channel.

The customer interested in availing the National City Online Banking services may get started just by downloading the prescribed form from the bank's website and consequently taking a print out of the same. He could then fill up that printed form and could snail mail it to his nearest branch of National City Bank.

The customer can have access to his account through online channels instantaneously if he has applied for the same through the Internet. But if he has chosen the mailing route then he needs to wait for a period of seven to ten business days from the date of processing. The associated services that can be accessed by the customer through National City Online Banking services are viewing of the personal account balance and transaction details of the concerned account, ordering of the document copies, viewing of the images of the canceled check of the last 2 months, availing the services related to the research of the account and check orders, etc.

The National City Online Banking not only allows its customers to access their accounts but also to pay their bills through this easy-to-access and quick route. For doing this, the customer only needs to have a personal computer along with Internet access. Then he could log-on to his account and do the necessary procedures for paying requisite bills on specific and different heads. Through this route the customer can also transfer funds from his own account to the account of another person. But the first step required for getting hold of this online payment facility is to enroll himself for the online banking facilities.

Transferring of funds can be of the following types :-

• Same Day Transfer of funds

  A customer can transfer the available amount of fund at a time from one account to the other in the same day at any time of any day of the week. The fund transfers between deposit accounts takes place instantaneously

  But for the same day transfer of funds to the bank's own special accounts like installment loan account, credit card account, account for mortgage loan, etc can only be done from the account of checking. Any such submission of transfer of fund in the same day before 8:00 pm. eastern time on any regular business day are liable to be posted in the receiving account of the same day. But any such transfer submitted after 8:00 pm. eastern time on any regular business day are liable to be posted in the receiving account of the next business day. These accounts are instantaneously processed and are impossible for the banks to reject the transfer after the instruction has been made by the customer.

• Future Transfer of Funds
  Future transfer of funds can be done either on a business day or on a non-business day. A future transfer of fund of non-recurring nature is scheduled to be processed on the designated date if and only if the concerned day is a regular business day. A future transfer of fund of non-recurring nature will be processed on the next business day if and only if the concerned transfer day is a non-business one. If any one changes his mind and decides to stop the future fund transfer, then he could do it very easily by simply giving an instruction to the bank in rejecting the prior instruction on future fund transfer. But this second instruction should be given to the bank before the concerned day. The transfer of fund can be done on a future date to any of the special accounts of the National City Bank (such as installment loan account, credit card account, account for mortgage loan, etc) only through the account of check. All such transactions are liable to be posted in the receiving account.
• Recurring Fund Transfer

  There are many fund transfers which occur after a regular time period. This type of fund transfer is known as recurring fund transfer.

  If the first instruction of the recurring fund transfer is given to the National City Online Banking on a business day then the instruction would be carried forward on a same day fund transfer basis. But if the request is placed on a non-business day one then the instruction would be carried forward on the next business day. In the month of February, it has been seen that the dates 29, 30 and 31 don't come in the month except for 29th in the leap years. So, if such a recurring fund transfer occurs on those dates then such a transfer would take place on the last working day of the month.

  This type of transfers can be canceled by the customer if situations demands. This instruction can be given latest by 4pm eastern time of the designated date for the recurring fund transfer. The recurring transfer of fund can be done on the special accounts of the National City Bank (such as installment loan account, credit card account, account for mortgage loan, etc) only through the checking account. All such transactions are liable to be posted in the receiving account.

• Failed Fund Transfer

Fund transfer are liable to be canceled by the bank if the designated account from which the required fund is to be transferred is insufficient for two consecutive days from the instructed date of transfer. This cancellation of the fund transfer is known as Failed Fund Transfer. In case of recurring fund transfer, there would be no effect on the remaining balance of fund in the account.

National City Online Banking also gives its customers to view the historical records of their transactions through the Internet. The bank also gives its revered clients the facility of downloading the historical details of his own bank account for the last 3 months to his own personal computer.

National City Online Banking provide its customers with viewing all the transaction details including the transferred amounts through the online statements. This detail would include transfer amount and processing date. This facility can be availed by the customers if they agree to with the bank receive the monthly statements through online mode. Agreeing to such an agreement would scrap them from receiving the statements in the paper form. The bank would only send the statements through the Internet. Legal notices or other information are also liable to be sent through the online channel.

This online facility of the statement disbursement would be scrapped if the email notification sent by the bank, bounces back and remains undelivered. After such an incident, the statements would be sent in the paper format through the snail mail option.

The images of the paid checks are not liable to be returned until and unless a special instruction is issued by the customer to the bank. In such special requests, the bank charges a certain amount or carrying such instruction. But the images of already paid checks can be viewed by the customer at free of cost when accessed through National City Online Banking. These statements provided to the customers through online route can be available to the customer for approximately one year provided the customer has viewed the statement at least once. But if the customer doesn't view the same even once then the online generated statement would be available to the customer for 3 months.

But it is not mandatory for a customer to stick to the online statement option. He could change his choice for receiving the form of the statement from the online mode to the paper format. For this, the customer needs to either visit the nearest branch of the bank or call National City Online Banking Support.

National City Online Banking provides its customers with the facility to send and receive emails to or from the bank carrying confidential informations and other inquiries.

Equipments required for accessing National City Online Banking services include the following accessories and softwares :-

• A Personal Computer
• A telephone set
• A telephone connection
• A modem
• An Internet browser with 128 bit
• Microsoft Internet Explorer (6th or higher version)
• AOL (eighth or higher version)
• Firefox (1.0 or higher version)

The services associated with the National City Online Banking are available for the whole week and can be accessed at any time of a day. Hence it is a 24x7 service. But this service may not be available always because of the occasional maintenance periods of the online banking services.

In addition to the above facilities given by National City Online Banking, some additional very important associated services are also provided by the same :-

• Online Bill Payment Guarantee
  National City Online Banking gives all its efforts in making the bill payments on time routed through online channel. If for any reason the payment is done on a lagged time because of the fault of the bank then the late payments or penalties (amounting to a maximum of fifty dollars) charged on him are guaranteed to be paid by the bank itself. A condition is attached with such a clause and that is the instruction of online bill payment should be made one day before the last date of payment.
• National City Zero Liability Pledge
  National City Online Banking takes all the liabilities associated with any type of fund misappropriation through online channels (theft of account balance through online channels or siphoning off monetary amount from the account of the customer without any authorization).