user5701 said:Ok, so far, I signed up on their website for a new account, yesterday morning. Mid-afternoon the same day (yesterday) I get two emails, one confirming I signed up, another detailing an online signing process with my username and temporary password. So I click the link and am greeted by the page https://esignfinancial.com/UnsupportedSoftwareVersion.do (Link) Stating I don't have Adobe Acrobat Reader version 6 or higher installed on my computer. While this is technically true, I don't have any horrific products from the bloatware company Adobe, I do have a pdf reader from Foxit software installed (well, the portable version). Has anybody else been greeted by this? Sort of like craig10x, I flat out refuse to install Adobe Acrobat reader on my machine. It, unlike Firefox, is completely unwanted software, and I will not install it. I guess I'll be checking my account solely on my work laptop where I have to have Adobe software installed for support purposes. What an unpleasant surprise!

That's a problem just on the website that they use for the signing of the documents..i ended up doing it on a friend's windows computer.....

Once that is done, you can access their actual online banking (which is NOT the same as that document signing site) but not using that user name and password they sent you for that....

After you finish the confirming the link process which will come next...THEN they will e-mail you your ACCOUNT # which is your USER ID for Online Banking and then a seperate e-mail with a temp password, which you then personalize...

As far as compatability for actual Online Banking part of CNB...you will have no problem as long as your browser is either: Internet Explorer, Firefox or Camino (latest version for the MAC) It will not currently work with Safari, whether used on a Mac or Windows computer....they are working on getting that straightened out....

Actually...i wasn't very happy with all the initial problems i had with them.....but actually that really turned around, after i contacted them and found out they were bugging their provider to get the Online safari-compatable...and letting me know that it was compatible with Firefox (and Camino...which i love now)...

Also, their transfers are SUPER FAST in and outgoing and they don't put a hold on incoming funds....well, actually they do..but the hold is taken off after midnight the same day the funds arrive (lol)

Also, the people are very nice over there, i must admit and they do try to be helpful....it is a bit of a dragged out process to open though, but once you get going, you will probably like it...i do now

Also, as a result of the mishaps i ended trying and loving a really neat browser for my Mac, which is Camino (which is firefox underneath, but tailored and integrated to the Mac operating system)......

user5701 said:Sorry for all the posting, but I just was reading through their "HIGH YIELD SAVINGS DISCLOSURE BONUS 10297.pdf" (did I mention they like caps) and on the first page, it has a bold heading of "Compounding and Crediting" it states "Interest will be compounded monthly and credited to your account monthly on the statement date. If you close your account before interest is credited, you will receive the accrued interest." Yes, you read that right and I typed it from what the PDF says, it says you will, not that you will not, receive the interest. I'm sure this is a typo in their disclosure, amusingly enough, but I have the black and white PDF to prove it now.Why do you think this is a typo? Interest is compounded monthly but calculated daily and most banks will give you the accrued interest if you close your account in the middle of a month...

mttatkns said:user5701 said:Sorry for all the posting, but I just was reading through their "HIGH YIELD SAVINGS DISCLOSURE BONUS 10297.pdf" (did I mention they like caps) and on the first page, it has a bold heading of "Compounding and Crediting" it states "Interest will be compounded monthly and credited to your account monthly on the statement date. If you close your account before interest is credited, you will receive the accrued interest." Yes, you read that right and I typed it from what the PDF says, it says you will, not that you will not, receive the interest. I'm sure this is a typo in their disclosure, amusingly enough, but I have the black and white PDF to prove it now.Why do you think this is a typo? Interest is compounded monthly but calculated daily and most banks will give you the accrued interest if you close your account in the middle of a month...

Ouch, that negative without proof or merit from your part really hurts. Instead of reciprocating, I'll provide an example in support of my argument and await one in support of yours.
Emigrant Direct's terms located here mention "Compounding And Crediting Of Interest: Interest will be compounded on a daily basis and credited to your Account on the last day of the month. The balance on which interest is computed for your Account is determined by the daily balance method, which applies a daily periodic rate to the balance in the Account. If you close your Account before interest is credited, you will not receive the accrued interest."

Most of the rest of them state something to the effect of "Interest on your savings account is accrued daily, compounded monthly and credited to your available balance at the end of each month."

How do they give you the interest if your account is closed? Will they mail you a check?

With all this talk of browser compatability, I thought I'd throw in my two cents. I use Opera and GMAC online banking only supports IE and FF. However, you can change your browser identification to "spoof" the site into thinking it is IE or FF. I have a rule set up so that it only spoofs for this one site. What you need to manage is Safari's user agent string. I don't use Safari but I'm sure there are directions out there that will help you. Then again, FF and Camino seem to be great alternatives for the Mac user who doesn't want to go through the work to research this.

A note on the compatibility: unlike some other banks, CNB's site does not turn you away if you are using a different browser; it's just that Firefox (or other Mozilla-based browsers, such as Camino, using the latest rendering engine) and IE are the only browsers that properly render CNB's menu. You can login and access your account using Safari, Konqueror, etc. but you do not have full functionality. Changing the user agent string does not help with that.

I applied after business hours on Tuesday, completed signing and received test deposit e-mail on wednesday, and just saw the test deposits show up (in a wa mu checking account) friday morning.

calisoldier83 said:I'm convinced they are blocking deposits/withdraws from ING direct because I tried linking up twice and nothing has shown up. Not sure if linking from an external savings is possible?

That's possible.....Checking Accounts are definately not a problem though as i was able to do those easily...you can call and ask....they do allow external ach link ups.

frank10b said:I think that I better open this account soon how long with 4 % last eh?

Even though new applicants don't get the 4% apy for 6 months guarantee, i have a feeling they will tend to keep the rate at top level mostly because they are a small bank and want to make the account attractive to attract deposits.....if they let it fall a lot, why would one use them as opposed to the scores of other choices out there? So for competitive reasons, i think you should do ok with this account in the long run (even without that guarantee)....

craig10x said:frank10b said:I think that I better open this account soon how long with 4 % last eh?

Even though new applicants don't get the 4% apy for 6 months guarantee, i have a feeling they will tend to keep the rate at top level mostly because they are a small bank and want to make the account attractive to attract deposits.....if they let it fall a lot, why would one use them as opposed to the scores of other choices out there? So for competitive reasons, i think you should do ok with this account in the long run (even without that guarantee)....
They better keep it up for a bit - just opened an account a few minutes ago. I do not like to bounce from bank to bank rate chasing and hope they keep it competitive at least.

Well found out they do not have joint accounts at this time. Waiting to hear back from on time frame and if in the meantime it is possible to have my wife as an authorized person to take care of anything in the meantime. Do not want to or even like to open an account that locks the better half out - that is only asking for problems.