Welcome to Highlands State Bank® Online Banking Center

You must have a deposit account, loan account or a Highlands State Bank ATM/Debit Card to enroll in Online Banking.

We are sure you will find Online Banking fast and convenient, 24 hours a day, 7 days a week. With Online Banking, you will be able to review account activity, transfer funds, make loan payments, pay your bills online and securely email the bank with account questions and requests.

When enrolling, do not use the Back or Forward buttons on your browser. Please use the buttons on the screen to navigate instead. Before you begin enrollment, please read the following, you may print it for your records if you choose:

Important Information for New Users

Once we verify the information you have provided, you will be asked to enter a User ID and Password. User ID’s must be between 8 and 32 characters, are case sensitive and must contain at least 2 numbers and 2 letters. If we cannot verify your information, we will send you your User ID by mail and your Password by e-mail no later than the 2nd business day after enrollment. If you have problems during the enrollment process, please contact us at 973-764- 3200 during normal business hours.

System Security and Browser Information

The security of your financial information is our highest concern. We have put procedures in place to make sure your information is secure. To insure the security of your password, never share it with anyone. When the Windows screen asks if you would like your User ID and/or password remembered, always say no. Do not use easily identifiable words for your user ID or password such as your name or social security number

The bank utilizes a secure server to ensure that your personal information is safely transmitted over the internet. We recommend that you use the most current version of your preferred browser when banking online. We support the following operating systems and browsers:

Operating System

Microsoft Internet

Apple Safari®

Mozilla FireFox®

Google ChromeTM

Windows 7





Windows 8.1





Windows 10

11.0, Edge




Mac OS X 10.10 (YosemiteTM)





Mac OS X 10.11 (El CapitanTM)










iPad® mini





Note: Cookies and JavaScript must be enabled.

There are firewalls installed to prevent unauthorized access of confidential information. There is also an automatic lockout feature which will automatically lock out an attempt to process account information after three failed logon attempts. In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes.

If you need additional assistance, you can call us toll free at 877-329-2571 24 hours a day. When contacting us please provide the name and version number of your browser (Microsoft Internet Explorer 11, Firefox 48, etc.)

Electronic Disclosure Consent

By your consent below, you agree that we may provide you with all disclosures, notices, and other communications about Online Banking, including this agreement and any future amendments, in electronic form.

Other disclosures that we may provide in an electronic format may include but are not limited to the following: monthly account statements, deposit account disclosures, changes in account terms, notice of fee changes, and privacy notices.

  1. How to Obtain Electronic Disclosures (E-Disclosures)

    We will provide notice of all future amendments to the Online Banking Agreement by posting them on our website for at least 90 days. If the changes have an adverse effect on you or the services offered, we will provide you at least 30 days prior notice.

    We may also send you an email that tells you where e-disclosures can be viewed on our website. In the future, we may also send certain e-disclosures as an email and/or message attachment.

    You may download or print electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies to your hard drive for viewing and printing at a later time.

    If you need help printing, please contact Highlands State Bank at 877-329-2571

  2. System and Equipment Requirements

    Prior to accepting electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access and retain documents and disclosures in an electronic format. You will need:

    1. Internet Access.

    2. A computer with a modem and Internet browser that can support 128-bit encryption.

    3. A printer connected to your PC to print or download disclosures.

    4. Sufficient hard-drive space on your PC to save any disclosures.

    5. An external email address.

      If we revise hardware and software requirements to access and retain electronic disclosures, we will notify you of these changes at least 30 days in advance, and provide you a notice of your right to withdraw consent to electronic disclosures without the imposition of any fees.

  3. Cancellation of E-Disclosures

    If you decide that you no longer want e-disclosures and you let us know via U.S. mail be sure to identify yourself and your accounts that you want withdrawn from electronic delivery

    authorization. If you withdraw from e-disclosures, we may cancel your Online Banking Services.

    If you want to cancel e-disclosures or change to a paper delivery format you must send us a letter via U.S. Mail to:

    Highlands State Bank PO Box 160

    Vernon, NJ 07462-0160

  4. Email Changes

    If you have enrolled for e-disclosures, you must notify this financial institution of any email address changes. You can contact us regarding such changes via U.S. mail or by changing your e-mail address within the Online Banking product.

  5. Acceptance of E-Disclosures

By accepting the Online Banking agreement, you agree that your system meets the requirements and that you consent to receive all notices regarding Online Banking Services in electronic form. With your acceptance below, you also agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.

Upon completion of the registration process, we may send you an email and ask you to confirm your email address and your acceptance of electronic delivery.

Please read the entire Agreement carefully before enrolling in the Service or initiating any transactions.

Services Provided Through Use of Online Banking

Highlands State Bank offers its customers use of our Online Banking service.

You may view the balance of your checking accounts, statement savings accounts, money market accounts, certificates of deposit, IRA’s and loan accounts. In addition to viewing account information you may use OnlineBanking to conduct the transfer of funds between

your deposit accounts. You may make one-time transfers or schedule future or recurring transfers such as transfers to make loan payments.

If your account is in good standing, you may also apply for Internet Banking Bill Payment. The bill payment service permits you to use your Internet enabled device to direct payments from your designated Internet bill payment account to third parties you wish to pay.

Electronic Check Conversion

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

Limitation on Transactions and Frequency of Transfers:

Limits on Transfers from Certain Accounts

You may transfer funds among your checking accounts, statement savings accounts and money market accounts. NOTE: Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties

(including Point of Sale transactions) from money market and savings type accounts. You are

limited to six such transactions from each money market and savings type account each statement cycle for purposes of making payment to a third party or by use of a telephone or computer.

Other limitations

We reserve the right to impose limitations for security purposes at any time.


By agreeing below, you authorize the Bank to provide account information, transfer funds between your accounts, make Highlands State Bank® loan payments from your deposit accounts with us, place stop payments on checks you have written and provide paid check images, in accordance with the provisions of this agreement. If you choose to enroll in the Internet Banking Bill Paying Service, you authorize Highlands State Bank® to charge your account(s) for any applicable miscellaneous service charges. By accessing Internet Banking, you accept the terms and conditions of this agreement.

Access ID and Passwords:

For access to Internet Banking, you must enter the User Identification Number and Password, you created at sign up, or were provided to you after verification of enrollment. Your User Identification Number can be changed from the Customer Service tab in internet banking. Your PIN (Personal Identification Number/Password) can also be changed at any time from the Customer Service tab. Please remember that Bank employees will never ask you for your password. You understand that your User ID and PIN/Password is your electronic signature. It identifies you to us and authenticates and validates the direction given just as your actual signature.

You agree to maintain the confidentiality of your User ID and PIN. You authorize the Bank to honor any transfer requests and provide account information to anyone who provides the correct User ID and PIN. Furthermore, you agree to promptly notify the Bank if an unauthorized person has obtained your User ID and/or PIN, or if unauthorized transfers or errors appear on your account statement. You agree that your liability to the Bank for any and all transfers to and from your account(s), whether authorized or unauthorized, as well as your liability for failure to report unauthorized transfers or account errors is limited only by the provisions of the Electronic Funds Transfer Act.


The bank utilizes a secure server that supports 128-bit encryption to ensure that your

personal information is safely transmitted over the internet. There are Firewalls installed to prevent unauthorized access of confidential information. There is also an automatic lockout feature which will automatically lock out an attempt to access account information after three failed logon attempts. In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes. Please read our Privacy Policy for additional steps that we take to protect your personal information.

Account Access:

If you have enrolled in Internet Banking, you may access any of your accounts with us for the purpose of reviewing transactions or obtaining balance information. For personal accounts only, you may access any checking, savings, or money market account for the purpose of transferring funds and making loan payments. You may not transfer funds to or from an IRA or Certificate of Deposit.

If you have enrolled in Internet Banking Bill Paying Service, you may access the checking account that you have authorized the Bank to use to pay bills for you.

Limitations on Dollar Amount of Transfers:

You may transfer up to the available balance in your account.

Processing of Transfers:

Transfers made before 7:00 p.m. Monday through Friday, excluding holidays, will be processed on the same day. Transfers made after 7:00 p.m. or on a weekend or holiday will be processed on the next business day. Telephone instructions to make a transfer cannot be canceled after the system has accepted them.


Transfers made in accordance with this Agreement, and all rights and liabilities of both you and the Bank, are subject to the provisions of the Electronic Fund Transfer Act or Fair Credit Reporting Act. You were provided with a copy of the Electronic Fund Transfers Disclosure when you opened your account. You should review this disclosure prior to performing transfers through Internet Banking and Bill Pay Service as it gives general information outlining your rights and responsibilities for these transactions.

Notice of Rights and Responsibilities

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

Right to Receive Documentation of Your Transfers

PERIODIC STATEMENTS: If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS: If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

Your Responsibility to Notify Us of Loss or Theft

If you believe your Internet Banking access code has been lost or stolen, call us at:

(973) 764-3200 (8:00 AM to 6:00 PM Monday through Thursday, 8:00 AM to 7:00 PM Friday or 8:30 AM to 1:00 PM Saturday)

Or write to:

Highlands State Bank P.O. Box 160

Vernon, NJ 07462

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Internet Banking and Bill Paying Agreement Internet Banking/Bill Paying Agreement

As used in this agreement, the words "you" and "your" refer to the account holder(s) and the words “the Bank”, “us and “we” refer to Highlands State Bank® If you are enrolling for bill pay services, all terms and conditions outlined below are applicable to you.

Internet Banking only:

You must have at least one Highlands State Bank® deposit account (excluding IRAs or Certificates of Deposit) to enroll in Internet Banking. There are no service charges for use of this service.

Internet Banking & Bill Paying Service:

You must be enrolled in Internet Banking to have access to the bill paying service. There is no monthly service charge for use of this service. Please refer to our schedule of fees for information regarding miscellaneous charges that may apply.


Some Bill Pay Services may not be available through all electronic channels.

  1. Payees. You may schedule current, future or recurring payments to a person or business in the United States through Bill Pay. By furnishing us with the names, addresses and telephone numbers of your Payees and account information, you authorize us to follow your payment instructions to these Payees. Payments may only be made from an active funding account. You are solely responsible for maintaining the current address and account number of each Payee that you designate.

  2. Prohibited Payments. You may not use Bill Pay to make payments to payees outside the United States or U.S. Territories. You may not make a payment of alimony, child support, taxes, other governmental fees, or court directed payments through Bill Pay.

  3. Payment Account. To enroll for Bill Pay, you must reside in the United States and have at least one linked Highlands State Bank checking account. You may use Bill Pay to make payments from linked accounts. You must designate the account from which Highlands State Bank is to make payment. This account will be known as the Payment Account. By originating a Bill Pay request, you authorize us to withdraw the necessary funds from your Payment Account. You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available in your Payment Account at the time of scheduled withdrawal. We will not be obligated to act on any withdrawal instruction from you if there are insufficient funds in the Payment Account. If you have overdraft protection on your Payment Account, we may use available funds in that overdraft protection account to cover Bill Pay requests. For account holders who have multiple accounts affiliated with Bill Pay, if you close your Payment Account, you must notify us and identify a new Payment Account or we may select one for you. For Bill Pay Services, every day is a business day, except Saturday, Sunday and federal holidays. Saturday, Sunday and Monday are collectively considered one business day. Federal holidays are considered part of the following business day.

  4. Limitations and Dollar Amounts for Bill Pay. Bill payments are limited to a standard $9,999.99 per bill and may not exceed the available balance in the account from which payments are made. We reserve the right to limit the frequency and dollar amount of transactions from your designated accounts for security reasons.

  5. Scheduling Payments. You may use Bill Pay to schedule payments on the date that you enter the payment information, on a future date, or on the same date of each month, subject to restrictions set forth in this Agreement. You may enter payment information 24 hours a day, 7 days a week (subject to system availability), but payments will only be initiated by us on business days. Bill Payments are processed on the requested send or transmit date. Payments will be made by electronic funds transfers if the Payees are set up to receive such payments or by check if they are unable to receive electronic funds transfers. The time period which is required to process payments will vary according to the payment method and other factors. Payments issued by check through the bill pay system will be considered stale dated 90 days after the initiation date. At this time, a stop payment may be issued on any outstanding check.

    Sufficient time must be allowed for payments to be received by each Payee. You must schedule the Date of your payment to be at least 6 business days prior to the Due Date of your payment. The "Due Date" is the date on which your payment is due, without taking into account any applicable grace period. The "Transmit Date" is the date the payment is requested to be sent.

    We will not be responsible for any loss you may incur as a result of a late payment if your payment is not scheduled within the time periods described in this Section.

  6. Future or Recurring Bill Pay. You may schedule a future or recurring payment to be initiated by us on any future business day (up to 364 days in advance) through Bill Pay. We shall complete the payment, provided there are sufficient funds in your Payment Account. You will receive confirmation the payment is scheduled at the time you request the payment. If a payment fails for any reason, you will receive notification via an electronic message. To ensure proper notification, please provide us with your most current email address, updating as necessary.

    Recurring bill payments must be in the same amount each period (weekly, monthly, semi-annual, etc.). If the regular payment date falls on a weekend or a holiday, it will be initiated on the following business day.

  7. Changing or Canceling Payments. You may utilize Bill Pay to:

  8. e-Bill Presentment. Bills presented through eBill presentment are produced and controlled by the payee(s) listed. In most cases, a paper bill will no longer be sent. Should your payee(s) provide both a paper bill and an electronic bill, we suggest that you pay the bill that is received electronically to avoid making duplicate payments. To discontinue the paper bill, it may be necessary to contact the payee(s) directly. Electronic bills are available to view electronically for 24 months. The length of time a bill is available varies depending on your payee(s). Cancellation of bill pay will result in discontinuation of the eBill relationship with your payee(s). It may be necessary to contact the payee(s) directly to re-initiate a paper bill. The receipt of an eBill for discontinued relationships may result in an email notification.

  9. Canceling Bill Pay. We reserve the right to suspend or terminate your use of Bill Pay at any time, for any reason, without prior notification. The Bill Pay service will remain open for customers that actively make regular payments through this service. After 90 days of inactivity, the bill pay service may be discontinued. If this occurs, your bill pay history and payee information will be removed from Electronic banking.

    If you wish to terminate Bill Pay, please contact us. It is your responsibility to cancel all future bill payments at the same time by deleting those payments through Bill Pay. This will ensure that future payments made by you will not be duplicated. If we are not contacted, Bill Pay fees will continue to be assessed. You should contact us as described in the Customer Service section below:

  10. Customer Service. If you would like assistance with Bill Pay, or would like to communicate with Highlands State Bank, please notify us by:

PO Box 160

Vernon, NJ 07462

Consumer Liability

Tell us at once if you believe your Internet Banking information or access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down by calling (973) 764-3200.

What is Regulation E?

Regulation E protects individual consumers using electronic funds transfers (EFT). Non-consumer accounts are not protected by Regulation E.

What is an EFT?

An EFT is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer’s account. The term includes but is not limited to:

How does Regulation E apply to a consumer using Online Banking and/or Bill Pay?

Regulation E is a consumer protection law for accounts such as checking or savings, established primarily for personal, family, or household purposes. Non-consumer accounts, such as Corporation, Trust, Partnerships, LLCs, etc., are excluded from coverage. Regulation E provides consumers a

means to notify their financial institution that an EFT has been made without their permission. If you are unsure if your account is protected by Regulation E contact us at the information listed above.

What protections are provided to consumers under Regulation E for consumers who us Online Banking and/or Bill Pay?

If you believe an unauthorized EFT has been made to your account, contact us immediately. If you notify us within two business days after you learn of the unauthorized transaction the most you can lose is $50. Failure to notify the bank within two business days may result in losses up to $500.

No Liability Limit

Unlimited loss to a consumer account can occur if your periodic statement you receive reflects transfers you did not make, including those made by card, code, or other means, and you do not report the unauthorized transfer to the bank within sixty (60) days after the statement was mailed, and the loss could have been avoided if you had given timely notice. If you do not tell us within sixty

(60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable).

How does Regulation E apply to a non-consumer using Online Banking and/or Bill Pay?

A non-consumer using Online Banking and/or Bill Pay is not protected under Regulation E. Because the customer is not protected by Regulation E special consideration should be made by the customer to review the controls in place to ensure that they are commensurate of the risk level that the customer is willing to accept.

What precautions should a non-consumer take because they are not protected by Regulation E?

As a non-consumer customer you should perform a risk assessment and periodically evaluate the controls you have in place. The risk assessment should be used to determine the risk level associated with any Internet activities you perform and any controls in place to mitigate these risks.


We reserve the right to temporarily suspend this service at any time without prior warning. Our liability for failing to make a transfer under this Agreement is specifically limited by the Electronic Fund Transfer Act, as well as all other applicable federal and state law. The provisions of this Act are outlined in your Electronic Funds Transfer Disclosure.


This agreement will remain in effect until you or the Bank terminates it. A termination by you will not be effective until the Bank has received from you a signed written notice of the termination and has had reasonable time to act upon it. If there is no activity on your Internet Banking service for a period of 180 days, the Bank will terminate your service. If we do this, you will be required to re-enroll in this service.


The Bank reserves the right to change any terms or fee disclosed in this agreement upon twenty-one days written notice to you.

Continuing Effect:

This agreement shall be governed by and construed and enforced in accordance with the laws of the State of New Jersey. In the event any provision of this agreement conflicts with state or federal law or is held to be invalid by a court, the remainder of the agreement will continue to be valid.


By continuing to apply for internet banking, you acknowledge that you have read, understand, and accept the terms and conditions of this agreement. You also certify that all information provided is accurate and you have authority to apply for internet banking access. You may print out a copy for your records.