BANK CLOSURE FAQ's
CREDIT CARD ACCOUNTS
1. What is Bank@net?
A: It is Banamex USA's online banking system for both personal and corporate banking customers. Using Bank@net, you can easily access your account balance information, view transaction history, view account statements, view paid checks, place stop payments, and transfer funds among your Banamex USA accounts
2. What is Cash Management?
A: It is Banamex USA's full online banking system for corporate banking customers. Using Cash Management, you can easily access your account balance information, view transaction history, place stop payments, view paid checks, transfer funds among your Banamex USA accounts, originate wire transfers (domestic U.S. and international) and ACH transactions.
3. How can I get my password?
A: To access Bank@net, please complete the on-line Enrollment Form and send it by email to Banamex USA. You will receive your password by telephone or mail.
6. When are my transactions posted to my credit card and deposit accounts?
A: Credit Cards - Transfer requests to pay amounts owed on Bank credit cards received by us on or before the "cutoff hour" listed on the Credit Card Payment screens will be posted that day. Transfer requests to pay Bank credit cards received after the cutoff hour or on a weekend or holiday may be deemed received as of the next business day.
Deposit Accounts - Online transfers are immediately available and you will receive a confirmation message. If the transfer cannot be completed, the system will advise you. Stop payment requests made on-line before 7:00 pm PST on any day will be effective the next business day.
10. What type of information security does Banamex USA offer for transactions or inquiries available on the Internet?
A: Banamex USA provides a "Distributed Security" system. "Distributed Security" means that rather than relying on one security measure, Banamex USA utilizes many lines of defense - including encryption, automatic sign-off and firewalls.
11. What is a browser and what does it do?
A: A browser is what enables you to visit Internet Web sites and Web pages on your computer screen. For example, when you type www. banamexusa.com, your browser understands what this means and knows how to instruct your computer to find that Internet site. Once you get to a site, your browser knows how to convert the programming instruction sent over the Internet to a meaningful Web page.
A: You need to contact the Banamex USA Customer Service Center.
13. What is a fraudulent e-mail?
A: A fraudulent (a.k.a. spoofing, imposter, or phishing) e-mail is one that has been forged so it looks like a legitimate e-mail from a particular organization (such as Banamex USA). Its goal? Usually to trick you into providing sensitive personal information that can be used for identity theft.
It's often hard to detect a fraudulent e-mail. That's because the e-mail address of the sender often seems genuine (such as firstname.lastname@example.org), as do the design and graphics. But there are telltale signs to be aware of. To bait you, they may allude to an urgent or threatening condition concerning your account. For example, fraudulent emails often try to extract personal information from you in one of two ways:
Even if you don't provide what they ask for, simply clicking the link could subject you to background installations of key logging software or viruses.
14. Has this happened at Banamex USA?
A: At this point, we are not aware of any fraudulent e-mails claiming to be from Banamex USA. If you receive suspicious e-mails purporting to be from Banamex USA, please notify our Customer Service Center right away.
15. How do I report a spoof e-mail?
A: Please call our Customer Service Center at 1-800-222-1234 from the United States or 01- 800-111-1234 from Mexico if you suspect that an e-mail claiming to be from Banamex USA is fraudulent. We will ask you to provide basic information about the e-mail and to give us your contact data, so we can reach you if we need details.
To tell if an e-mail is really from Banamex USA, you need to view the site that the URL is taking you to. Here's how to do so with HTML- and text-based e-mails:
HTML-based e-mail. In HTML e-mails (with graphics), to view the destination URL position your cursor over the link or button; the URL should appear in your e-mail program's status bar at the bottom of the window.
However, spoof URLs are intentionally long, so only the first part is usually visible in the status bar. It might look genuine, but it's not a guarantee of where you'll end up. Therefore, you need to view the entire URL and go there to make sure it's really a Banamex USA site. To do this:
Text-based e-mails. Text-based e-mails also tend to contain very long URLs that you click on to get to a site. However, the URL may not represent the true destination. Here's how to verify that you're really at a Banamex USA site:
If you've received e-mail asking you to sign on or to provide personal information that you suspect was not sent by Banamex USA, please contact our Customer Service Center.
18. How can I protect myself?
A: We want your online experience to be enjoyable and worry-free. That's why Banamex USA uses 128-bit secure sockets layer (SSL) encryption and other security procedures. We also want to make you aware of several simple security tips you can follow while shopping and banking online at home:
19. Any tips on creating a password?
A: Your password is the key to your Banamex USA online account. Our goal is to provide you with the strongest security available. There are a few things that you should do to protect your password and your accounts.
Choose a Good Password:
Use the following tips to make it difficult for others to guess your password and to help keep your account secure.
|Do use at least 6 characters and a combination of letters and numbers.||
|Do not use single words that can be found in a dictionary.||
|Do not use your name, your spouse's name, your pet's name, birthday, favorite food, or any personal information that others can easily obtain.||
fido (pet's name)
|Do not use a password that contains part of your User ID or email address.||
jimmy (while your ID is
Password and Account Protection:
Please note that Banamex USA employees will never ask you for your online password.
There are several steps that you can take to protect your password:
20. What does the deposit account closure process involve?
A: As part of the account closure process, Banamex USA will deactivate and cancel any active ATM or Visa Check Cards associated with your account(s). In addition, after your account closure date, Banamex USA will no longer honor any new transactions made on the account, including checks, deposits, withdrawals, or any other type of non-pre-authorized debits or credits, except for the closing withdrawal. For that reason, we urge you to cancel any automatic or recurring transactions you may have set up on your account prior to your account closing date.
22. What about the funds in my time deposit account?
A: To retrieve the funds in your account, you may request a wire using the enclosed Wire Transfer Order Form. Your completed form should be emailed to us at email@example.com. We will waive the wire transfer fee for closing your account and sending your funds to an account at another institution, although you may be responsible for any incoming transaction fees assessed by the recipient bank. Note that the fee waiver only applies to the final transaction to close the Account, and this transaction must be made to an account held in the same name of the Banamex USA Account owner.
You may also be eligible to request a cashier's check for the full account balance prior to your account closure date. To discuss this option, please contact Banamex USA Customer Care at 1-800-222-1234, from the U.S., or 01-800-111-1234, from Mexico.
23. How much will Banamex USA charge me for a wire transfer related to my deposit account closure?
A: We will waive, as a one-time courtesy, the wire-transfer fee for sending your funds to an account at another institution. Note that the fee waiver only applies to the final transaction to close the account, and this transaction must be made to an account held in the name of the account owner. Please keep in mind, however, that some banks charge their customers a fee for receiving a wire transfer, so to avoid any unpleasant surprises, we recommend that you ask the receiving institution about any fees.
24. Can you transfer my deposit account(s) to an account at another financial institution?
A: Unfortunately we are not able to transfer accounts. You can open an account at another institution and transfer your remaining funds with a check or wire.
27. Will I continue to earn interest on my time deposit account?
A: After your account closure date, your account will not be eligible to accrue interest. However, we will credit you all interest due through the current maturity cycle into your account.
28. How can I claim a lost, stolen, or damaged cashier's check?
A: If your check has been lost, stolen, or damaged, please call Banamex USA Customer Care at 1-800-222-1234, from the U.S., or 01-800-111-1234, from Mexico to request a Cashier's Check Loss Declaration form(s). Please return the original, signed, copy of the form(s) to us by mail as soon as possible, to ensure that you receive your replacement cashier's check in a timely manner. Please note that it may take 90 days or longer from the time we receive your form to issue a replacement cashier's check.
29. What does the credit card account closure process involve?
A: Banamex USA will close any credit cards associated with the account(s) listed on your letter on your account closure date. Please contact any service providers that process recurring charges on your card prior to this date to avoid service interruption. On your account closure date, Banamex USA will no longer authorize and may not process any charges made on your account. For this reason, we urge you and any authorized users on your account to please destroy your card(s) no later than your account closure date.
30. What if I still have a balance on my credit card account?
A: If you have a balance due on your credit card account on your account closure date, you are responsible for timely repayment of the outstanding balance, including any charges that may post to your account after closure. You will continue to receive monthly statements until the balance is paid in full.
31. What will happen to my credit card account Annual Membership Fees?
A: Banamex USA has stopped charging annual membership fees, including annual fees related to the Miles Program, during the 2015 calendar year. Banamex USA is also in the process of refunding certain 2015 Annual Membership Fees. If, as the result of the reversal of Annual Membership Fee(s), your account shows a credit balance due to you after your account closure date, Banamex USA will automatically mail you a cashier's check within ninety (90) days of that closure date. You may call Banamex USA Customer Care at 1-800-222-1234, from the U.S., or 01-800-111-1234, from Mexico if you would like to request an accelerated reimbursement.
32. What will happen to other benefits associated with my credit card account?
A: If your credit card allowed for Salon Beyond, Loan Advance, addition of authorized users, Travel Accident Insurance, other types of Insurance, replacement cards, or emergency cards, these benefits will end on your account closure date. In addition, Banamex USA will not provide a summary statement for your 2016 account activity. If your credit card allowed for Unibox/Online Passport, please be aware Unibox/Online Passport made the decision to terminate this service beginning on January 1, 2016.
33. What will happen to my credit card account Miles?
A: As communicated to you in December 2015, Miles Program redemption will end on April 29, 2016. Please redeem your miles before that date. If you close your account voluntarily before April 29, 2016, please be advised that your ability to redeem miles terminates on the date you close your account. Additionally, any miles accrued after your March billing cycle statement will not be available for redemption. Please note that your Banamex USA account must be in good standing per the terms and conditions of the Miles Program for you to be eligible to redeem miles.
35. I have questions not covered here. What should I do?
A: Should you have additional questions, we invite you to contact Banamex USA Customer Care at your earliest convenience at 1-800-222-1234, from the U.S., or 01-800-111-1234, from Mexico, Monday to Friday, 6 a.m. to 7 p.m. Pacific Time, or Saturday, 9 a.m. to 4 p.m. Pacific Time.
This information is as of March, 2016 and may be amended by Banamex USA at any time.