Frequently Asked Questions

I don’t recognize a merchant charge on my statement. Can I dispute it online?
You are encouraged to contact the merchant first, as that is usually the quickest way to get an explanation and/or refund. However, you have the ability to submit a dispute via our website, through the mail or by calling Customer Service at 561-982-9111.

How long will it take to receive my credit balance refund?
Requests for a credit balance refund are issued within 30 days of receipt. Call Customer Service at 561-982-9111.

Can I use my credit card outside of the United States?
You can use your Applied Bank Credit Card for purchases at over 19 million locations worldwide. In addition, you have access to over 800,000 PLUS ATM machines worldwide. For your protection, we advise you to contact Customer Service prior to making purchases overseas.

What is an Annual Fee? How much is it?
The Annual Fee is a yearly fee that may be charged to maintain the credit card account. To determine how much your Annual Fee charge is, refer to your credit card agreement or contact Customer Service at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

Can I request to have my new credit card shipped to me overnight?
To have your application processed and the credit card shipped within 7 business days from the date the Bank receives your completed Acceptance Certificate, simply choose the Overnight Express Service option listed under “Optional Card Benefits”. A $20 Express Service Fee will be charged to your new account. This service is optional and is not required to process your application.

Can I get Cash Advance Checks?
Cash Advance Checks are just one of the many benefits of the Applied Advantage program. Funds accessed using checks will be subject to cash advance fees/finance charges as per your cardholder agreement. Click here to learn more about becoming an Applied Advantage member.

When will my account become eligible for a Credit Limit Increase?
Customers that meet certain credit scoring criteria may become eligible for a Credit Limit Increase 6 months after their account is opened. Certain Pre-selected Credit Limit Increases are offered based on the age and payment history of the account. Selected accounts will receive Credit Limit Increase offers on a monthly basis. To accept a Pre-selected Credit Limit Increase offer that you received in the mail, click here.

What charges are incurred when making an ATM withdrawal?
A Cash Advance Fee will be billed to your account for each ATM withdrawal. The fee is the greatest of $5 or 5% of the cash advance request.

What is a Cash Advance?
A cash advance involves using your credit card to withdraw cash from an ATM or bank, or other methods described in the Cardholder Agreement. Cash advances are subtracted from the available credit and become part of the Cash Advance balance. (Please note that there may be restrictions on the amount of cash you can take. There is also a Cash Advance Fee billed to your account for each cash advance. The fee is the greatest of $5 or 5% of the cash advance request.)

What is a variable rate?
A variable rate is an interest rate that may increase or decrease from month to month. The variable rate is determined by adding a margin to the Prime Rate, which is reported in the Wall Street Journal.

What are the qualifications for getting a credit card?
In order to qualify for a credit card with Applied Bank (AB), certain requirements must be met. You must be at least 18 years of age. Your annual household income must be at least $18,000. You must live within the 50 United States or the District of Columbia. You cannot already have a credit account with AB, nor have been denied credit from AB within the past six months. In addition to these basic requirements, other criteria based on creditworthiness must be met.

Why should I apply for an Applied Bank Credit card? What are the benefits?
A credit card is needed more and more in today’s world. You’ll find that a credit card is needed to make hotel and travel reservations, make online purchases and much more. Applied Bank can help make these things easier for you. You’ll enjoy the benefits of carrying a credit card while also having the comfort of knowing that Applied Bank is there when you need us. As an Applied Bank Customer, you’ll be able to establish a credit history which, when managed effectively, can lead to better credit opportunities and greater financial freedom. To help you manage your Applied Bank account, you’ll have access to online banking where you can check your balance and even make online payments.

When is the Annual Fee assessed?
An Annual Fee is imposed when your account is opened and in that same month for each following year. This is a nonrefundable fee and will be billed if your account is open or has a balance at the time the fee is due. You will receive a message reminder on your statement sent the month prior to the Annual Fee being assessed.

How do I get a card?
You must have received an offer in the mail from us. If you have received a mail offer with an Activation Number and would like to apply for the credit card described in your offer, you can accept your offer now by clicking here. If you prefer to respond by mail, you can complete and mail in the Acceptance Certificate to the address printed on the back of your offer letter, or in the response envelope if one was provided to you.

Can I withdraw money from my security deposit account?
Your security deposit acts as collateral for your secured card account. If you decide to make a withdrawal, the credit line on your account will be decreased by the amount equal to the savings withdrawal.

What is Applied Advantage?
Applied Advantage is an optional service that has brought together special offers and valuable discounts to give you an incredible advantage over the ever-increasing prices in today's market. Members have access to money and time saving benefits with major national retailers, car rental agencies, hotel chains, florists, home security providers, plus much, much more! You are eligible to claim a FREE companion airline ticket, once your annual membership fee has been billed. To learn more about this great product, click here.

What are Finance Charges?
Finance Charges are the fees incurred for carrying a balance on your account. Examples of Finance Charges include (but are not limited to): the Account Origination Fee, Cash Advance Fee, Credit Limit Increase Fee and Periodic Rate Finance Charge (Interest). There is no grace period for Finance Charges; therefore, Finance Charges begin to accrue as soon as the transaction posts to your account. Finance Charges continue to accrue until payment of your full balance is received. The rate at which the Finance Charges are calculated is a variable rate. This variable rate may increase or decrease from month to month depending on the Prime Rate, which is reported in the Wall Street Journal.

I’ve closed my account, how do I reopen it?
At your request, and at our sole discretion, we may reinstate your account’s charging privileges. To be eligible for reinstatement, you must pay off any past due amount (i.e. bring your account to a current status) and if necessary an amount that will bring the account balance under the credit limit. You must also take care of any other default to our satisfaction. If we reinstate your account, we may charge you a Reinstatement Fee of $50.

What if I have had credit problems in the past?
Applied Bank specializes in offering credit cards to individuals who have had credit problems in the past.

Can I get turned down for a credit card?
It is possible for your credit card application to be declined. Each Acceptance Certificate is carefully reviewed, and credit decisions are made based on the applicant’s creditworthiness and ability to repay potential credit card balances. If, after you return your Acceptance Certificate, we find that you no longer meet our pre-selected credit criteria, we may be unable to provide you with an account.

What is a FICO score?
A FICO® score (which can range between 300 and 850) is a measure of your creditworthiness. The higher the score, the more credit worthy you are deemed by a lender. Specifically, borrowers with high FICO scores generally show less serious payment delinquency than borrowers with low scores. Credit bureau scores are often called "FICO scores" because Fair Isaac and Company, or FICO produces most credit bureau scores used in the U.S. FICO scores are provided to lenders by the three major consumer reporting agencies: Equifax, Experian, and TransUnion. It is important to note that your FICO score may be different at each of the three main consumer reporting agencies, because each consumer reporting agency considers only the data in your credit report at that agency. If your current FICO scores from the three consumer reporting agencies are different, it's probably because the information those agencies have documented on you is different.

What is the Annual Percentage Rate (APR)?
The Annual Percentage Rate (APR) for Applied Bank is the Prime Rate as reported in the Wall Street Journal plus 15.74%, but not lower than 23.99%, for current accounts. For past due accounts, the default APR is the Prime Rate plus 21.74%, but not lower than 29.99%. To reduce your APR from the default rate, you must maintain satisfactory payment for a period of 12 months.

What is the Credit Limit Increase (CLI) Fee?
Applied Bank may offer a Credit Limit Increase to you or you may request an increase. When the increase is granted, your account will be billed a Credit Limit Increase Fee of $100. From time to time, however, the Bank may offer Credit Limit Increases with different fees, which will be disclosed with the offer. No Credit Limit Increase fee will be billed if the increase is not granted.

How do I change my billing address?
We have several convenient options for you to choose from for changing your billing address. You may change your address at any time by simply filling out the back of your payment remittance stub with your new address information and mailing it back to us with your payment. You can also contact our Customer Service Department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week. Or you can send your address change request along with your account number in writing to Applied Bank, PO Box 17125, Wilmington, DE 19850-7125.

Can I use my credit card for a cash advance?
You may withdraw cash from your credit card account by using an ATM with your Personal Identification Number (PIN) or by going inside any bank, with proper identification, and presenting your card to a teller. You may use your Applied Bank (AB) card at any financial institution that displays the PLUS logo for Applied Bank Credit Card accounts. The fee for a cash advance is the greater of $5.00 or 5% of the transaction.

How long does it take to receive my credit card?
In most cases, you can expect to receive your credit card in about 10 business days from the time it is ordered. Optional Overnight Express Service is offered on new applications for a $20 fee. This service guarantees that your credit card will be shipped via overnight courier within 7 business days of the receipt of your completed Acceptance Certificate.

Do I have to activate my card before I can use it?
In order to use your Applied Bank credit card, you need to first call the toll-free activation number located on the sticker on the front of the credit card from your home phone number to activate the card. If you have any difficulties activating your card, you can call Customer Service at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

Can I add an Authorized User to my account?
An Authorized User can be added to your account provided they are at least 18 years of age, reside in the same household as you, and accept, along with you, contractual liability for the account, including any existing and future balance. Provided that your account is in good standing, a credit card will be issued for the Authorized User and a $30 Additional Card Fee will be charged to your account. A form requiring your signature and that of the Authorized User can be obtained by clicking here or by contacting Customer Service at (561) 982-8971. The form must be completed and mailed or faxed as instructed on the form.

When are fees billed?
Most of the Bank’s fees are billed at the close of your statement billing cycle, but some fees are billed at other times. For example, a Pay-by-Phone Fee ($6.95 for VRU and Internet and $12.95 for Associate assisted) is billed two days after the payment is processed and an Annual Fee ($50) is billed on the anniversary date of the account opening. Always be sure to check your statement and contact our Customer Service Department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week with any questions about your account.

When activating my credit card, can I call from a cell phone?
To activate your credit card, you need to call the toll-free activation number located on the sticker on the front of the credit card from the home phone number which you listed on your Acceptance Certificate. If your home phone number is a cell phone and you cannot activate your credit card from that number, you can also call our Customer Service Department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week for assistance with activating your credit card.

Can I pay on my account in advance?
The Minimum Payment Due, as shown on your billing statement, needs be received by the due date each month. You can pay the balance in full at any time. However, if you make two or more payments in one month, but your account still has a balance, your next payment will be due by your due date of the following month. You can also set up future-dated payments over the phone (up to three months) with one of our Customer Service Associates at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week or on the website (click here) 30 days in advance.

How do I close my account?
You may request to have your account closed by speaking with one of our Customer Service Associates at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week. You can also send your request to close your account in writing to Applied Bank, PO Box 17125, Wilmington, DE 19850-7125.

What is the default Annual Percentage Rate (APR)?
The default Annual Percentage Rate (APR) is the Prime Rate plus 21.74%, no lower than 29.99%, for accounts that are Past Due. The Prime Rate is reported in the Wall Street Journal. To reduce your APR from the default rate, you must maintain satisfactory monthly payments for a period of 12 months.

How can I lower my Annual Percentage Rate (APR)?
Once an account remains current (no missed payments) for 12 consecutive months after having been past due, the interest rate will be reduced to the greater of 23.99%, or 15.74% plus prime.

Can I change my Payment Due Date?
You have the option of requesting a change to your Payment Due Date for your account at any time. However, the Payment Due Date cannot be changed more than once in a 12-month period. This change could take a full billing cycle to take effect.

What do I do if I am filing for bankruptcy?
If you are filing for bankruptcy, you must provide the name and phone number of your attorney, or docket number, or state that you are representing yourself (Pro Se). Once that information is provided, the account will be referred to the appropriate department who will contact the attorney to complete bankruptcy procedures.

Is there anything I can do if I become sick for an extended period of time and cannot make my Minimum Payment Due?
If at any time you are unable to make the Minimum Payment Due on your account, please contact our Customer Service department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week for more information about programs that may be helpful to you during your time of need.

If I am in the armed services, what can I do if I am on active duty for an extended period of time?
All Applied Bank (AB) Customers who enter active duty after becoming a Customer of AB are entitled to financial and legal rights under the Service members Civil Relief Act (SCRA). In order to qualify for the benefits of the SCRA, a copy of your orders that validates the date of your active duty status should be sent to Applied Bank, P.O. Box 17125, Wilmington, DE 19850-7125. Once the proper documentation is received, we will lower the Annual Percentage Rate and suspend certain fees on your account. If you have questions about the documentation required, you may contact us by mail (at the address shown above) or call the Customer Service Department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

What is Autopay?
Autopay is a direct debit program that allows you to have your monthly minimum payment amount automatically withdrawn from your checking account. The program is offered through mail solicitations and contact with our Associates. You must have an open checking account to be enrolled in the Autopay Program.

How long will it take for my payment to be credited?
Your payment is posted to your account the date it is received. A guaranteed payment, such as a money order or cashier’s check, can take 24-72 hours to post to the available credit on your account. However, a non-guaranteed payment, such as a personal check, may be subject to a 4-12 days hold against the available credit on your account to ensure that the payment has cleared.

Why is my available credit being held after making a payment and how can I get it released?
The available credit on your account is held to allow time for your payment to clear if the payment was made with non-guaranteed funds (e.g. personal check). A hold on your available credit can be minimized by using guaranteed funds, such as a money order, cashier check, Moneygram or Western Union, or credit/debit card payment to pay your credit card bill.

What is a Guaranteed Payment?
Guaranteed payments are made with cash or credit to secure them. Payments of this type raise the available credit on your account as soon as the payment posts. The most common types of guaranteed payments are MoneyGram, Western Union Quick Collect, bank-to-bank wire transfer, money order, cashier’s check, certified check, and credit/debit card payment.

To what address do I mail my payments?
Payments should be mailed to Applied Bank, PO Box 17120, Wilmington, DE 19886-7120. Be sure to include your account number on your check or money order.

How long will it take for my payment to be credited?
Payments should be mailed to Applied Bank, PO Box 17120, Wilmington, DE 19886-7120. Be sure to include your account number on your check or money order.

Who do I call to make a payment over the phone?
To make a payment over the phone for a $6.95 fee, you can call our 24 hour automated payment-by-phone system toll free at 1-877-882-2213. You can also make a payment-by-phone for a $12.95 fee by speaking with one of our Customer Service Associates at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

What are my payment options?
Applied Bank offers several convenient payment options. If you have a checking or savings account, you can complete payments by phone or Internet yourself for a fee of $6.95, or with a Customer Service Associate’s assistance for a fee of $12.95. Our Customer Service Associates can also assist you with making a payment using a credit/debit card for a fee of $10.95. Payments can be made through MoneyGram or Western Union Quick Collect for a processing fee of $2.00 and bank-to-bank wire transfer payments have a $10.00 fee. Payments by personal check, money order, and cashier’s check can be sent through the mail.

Can I use another person’s checking account to make a payment?
Applied Bank does accept Third Party payments. However, the owner of the checking account must be the person who makes the payment.

What fees will I be charged if my payment is late?
The Minimum Payment Due amount must be received by the Payment Due Date shown on your statement or the account may receive a Late Fee of $32 to $35. In addition, once the account becomes past due, the Annual Percentage Rate (APR) may also increase to the Prime Rate (published in the Wall Street Journal) plus 21.74%, no lower than 29.99%.

Why do I have finance charges for a cash advance when I did not get a cash advance?
The finance charges (interest) on your account are broken down into two categories: merchant finance charges and cash advance finance charges. Merchant finance charges are the interest billed for purchases you made on your account. Some fees are treated as “cash advance finance charges” on your billing statement. These fees include the Account Origination Fee, Credit Limit Increase Fee, Participation Fee and Upgrade Fee. Any month during which one or more of these fees are billed to your account, the amount of the fee will show on your statement under Cash Advances Finance charges. Once the account has been paid to a zero ($0) balance, the cash advance finance charges will reflect $0.00, unless you withdraw a cash advance or one of the fees listed above is billed to the account again.

I cannot make a payment on my account this month. What are my options?
If you are unable to pay your Minimum Payment Due amount, please call 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week so that one of our helpful Customer Service Associates can assist you.

Can I make a payment on my account with another credit card?
Depending on your account status, Applied Bank does accept payments using a credit or debit card issued from another bank. If you would like to make a payment this way, please call 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week so that one of our helpful Customer Service Associates can assist you.

Am I required to make a payment every month?
Yes. Applied Bank requires that you make a payment every month in which your account has a balance.

Do you offer Debt Management Programs?
Yes, Applied Bank offers various Special Programs to assist Customers with debt management. If you would like information regarding these programs, please contact Customer Service at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week for more information.

Why did my Minimum Payment Due amount increase when my account became delinquent?
The Minimum Payment Due is the amount that must be paid in full by the Payment Due Date each month to avoid receiving a Late Fee and having the Annual Percentage Rate increased to the Penalty Pricing interest rate of the Prime Rate plus 21.74%, no lower than 29.99%. Federal regulations require that the amount of the Minimum Payment Due each month be sufficient to reduce the account balance from one billing cycle to the next. Calculations of the Minimum Payment Due amounts for Delinquent-only and Delinquent and Overlimit accounts are shown below.

Status of Account Payment Calculation
Delinquent account that is under the limit The Amount Due is:

• 2.25% of the new balance plus the Monthly Periodic Rate (MPR) Finance Charge on that statement or $35, whichever is greater
• Plus all Past Due amounts
• Plus the amount of any Late Fee charged during the billing cycle

Delinquent account that is over the limit The Amount Due is:

• 2.25% of the new balance plus the MPR Finance Charge on that statement or $35, whichever is greater
• Plus all Past Due amounts
• Plus the amount of any Late Fee charged during the billing cycle
• Plus the amount of any Overlimit Fee charged during the billing cycle

Who do I call in event of a Lost or Stolen card?
Please call 1-800-556-5678 24 hours per day, 7 days a week to report your Applied Bank card lost or stolen.

What should I do if I detect fraudulent emails?
If you believe you have received a fraudulent email claiming to be from Applied Bank, you can speak with one of our Customer Service Associates at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

Where can I get more information about online security?
If you have questions regarding the security of this website, please refer to our Account Security page in this website for more information.

Is your online site secure?
Applied Bank has taken strong measures to ensure that your account information is kept confidential. Our website uses SSL or Secure Sockets Layer to encrypt the information as it passes across the Internet. To ensure the security of all information, we also require the use of a secure browser before any information is exchanged. For your security, we recommend that you close your browser after your session is completed to ensure that your account information is not readily accessible on your computer.

How do I know that my account information is protected?
Your username and password are unique and known only to you. Unless you give this information to someone else, only you can access your Internet account.

How do I prevent repeat fraudulent activity?
If you are a victim of fraudulent activity, contact the three major credit bureaus and ask that they place a fraud alert on your credit file. A fraud alert will let potential creditors know that some form of fraud has been associated with your credit report and helps prevent future occurrences. For more information about keeping your information safe, refer to our Account Security page.

Do I need to sign the back of my credit card or should I write “See ID”?
You should immediately sign the back of your credit card upon receipt. However, if you want to add additional account security, you may write "See ID." This ensures that the merchant will check your personal identification with each credit card purchase.

What is Phishing?
Phishing is a scam that uses email messages or pop-up messages to deceive you into disclosing your credit card numbers, financial institution account information, social security number, passwords, and other sensitive information. These messages will claim to be from a company with whom you may or may not do business. They usually indicate that you need to update or validate your account information. It will often direct you to a website that may look very similar to the legitimate website. Reputable companies, such as Applied Bank, will never ask you for this kind of information through email.

Do you have any secure password suggestions?
It’s a good idea to create a password that contains a combination of letters and numbers. Avoid using information that would be easy to guess, such as family or pet names, birthdays or anniversaries. Never reveal your passwords to anyone and be sure to change them periodically.

Why do you require 128-bit encryption browsers to access the website?
You may use any 128-bit browser that is compatible with Netscape™ Navigator 4.0 or higher, Microsoft® Internet Explorer 4.0 or higher, Mozilla Based 1.0 or higher browsers, Safari 1.2 or higher (MacOs) or America Online to access the website. However, the browser must employ Secure Sockets Layer encryption. To ensure your privacy, we require the use of a 128-bit browser. You can upgrade your browser by visiting the following websites:

Microsoft products, click here
Netscape products, click here.
Mozilla based products, click here.
Safari based products, click here.
AOL based products, click here.

Will my personal information be shared with any other companies?
From time to time, Applied Bank may enter into agreements with other companies to provide services to us or to make products and services available to you. Under these agreements, the companies may receive information about you and they must safeguard this information and may not use it for any other purpose. For more information, please refer to our Privacy Policy.

How can I protect myself from email and Internet scams?
There are many ways for you to protect yourself from email and internet scams. Please refer to our Account Security page for more information.

What services are available online?
Applied Bank’s Online Account Services allow you to view your current account summary, make payments, view current and pending transactions, view and request previous statements, update your personal information, order a Personal Identification Number (PIN), convenience checks and much more. All of this can be done from the comfort of your home!

Can I make a payment online? How?
Yes. For a low fee of $6.95, you can make an online payment anywhere you have internet access. Click here to make an online payment.

What are the benefits of becoming an online member?
You can view, request and receive up-to-the-moment information on your account by accessing your Applied Bank account online. Why bother with stamps, when you can answer all of your common questions and requests online!

How do I change my online password?
You may change your online password by either clicking on the “Forgot my password” link on the sign in page or by clicking on the “Customer Service” tab once logged into Online Account Services.

Can I change my username online?
No. For security reasons, it is not possible to change your username online. To change your username, please call our Online Account Services Technical support team at (561) 982-8970 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

My account has been locked out. What do I do?
For your account security, after five unsuccessful attempts, we will disable your online account access. If your account access is disabled, you can call our Online Account Services Technical support team at (561) 982-8970 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

Do I need an email address to use Online Account Services?
Yes. Applied Bank does require an active email address in order to use our Online Account Services. Your email address is important to notify you of new features and services that may affect your account in the future. You may update your email address at any time by contacting our Customer Service Department at 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET), seven days a week, or by signing in to your account through cardcenter.appliedbank.com.

How do I change my current email address?
Once you have logged on to Online Account Services, you can change your email address by clicking on the email address shown or by clicking on the ‘Customer Service’ tab.

How do I change my current email address?
Once you have logged on to Online Account Services, you can change your email address by clicking on the email address shown or by clicking on the ‘Customer Service’ tab.

Can I close an account online?
No. For your protection, there is not an option to close your account online. To close your account, you must contact our Customer Service Department 561-982-9111 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week. If you prefer, you can send request to close your account by mail by writing us at: Applied Bank, P.O. Box 17120, Wilmington, DE 19850-7120

How do I view my statement online?
After logging into Online Account Services, you may view up to six previous statements online by clicking on ‘Manage my Account’.

How do I download my statement to my favorite software?
When viewing your previous statement on Applied Bank’s website, click on the ‘Download Transactions’ button to download your statement. Follow all of the steps to choose the format that is compatible with your financial software.

Are there any fees when I make a payment online?
Yes. There is a nominal $6.95 fee for processing your payment online. This is a savings of $6 over Associate assisted payments.

Do you have online technical support?
Yes. Please call our Online Account Services Technical support team at (561) 982-8970 from 7:00 am to 11:30 pm Eastern Time (ET) seven days a week.

Do you support Apple PC products?
Applied Bank does offer limited support for Apple provided Internet browsers. However, older versions of Apple browsers may be incompatible with our website.

What versions of internet browsers do you support?
The Applied Bank website supports the latest MS Internet Explorer, Netscape and Mozilla based browsers. Please ensure that you are using 128 bit-encrypted browsers for your account security. For more information, please contact your browser manufacture on how to upgrade.

Microsoft products, click here
Netscape products, click here.
Mozilla based products, click here.
Safari based products, click here.
AOL based products, click here.