Frequently Asked Questions

While we've made every effort to provide all the information you may need about our cyber-services, we know you may still have some questions. We've listed the most frequently asked ones below. However, we're always glad to discuss our online banking services in person or over the phone. Stop in or call any Bank of Granite office for more information.

What kind of browser do I need?
Granite Online Banking requires that your browser process cookies and java script. 128 bit SSL encryption is also required.

What happens if I do not exit the system?
By default Granite Online Banking has a ten minute time out feature, so if the system is not used for ten minutes, then the user will be inactive and will have to log in again.

What happens if I forget my password and get locked out?
You are allowed three password attempts, and on the third try, if invalid, you will be locked out of the system. If you do get locked out or if you forget your password, please send an email to support@bankofgranite.com or contact your local Bank of Granite office. For your convenience, you may also contact us from the Password Reset tab located at the upper right of the login page.

How late in the evening can I make transfers?
The cut-off time for current day transfers is 7:00 p.m. Any transfers after the cut-off time will be posted on the next business day.

What is a Cookie?
As added security, our software requires that your browser accept cookies. A "cookie" is a small piece of information which a web server can store on your web browser. This is useful for having your browser remember some specific information which the web server can later retrieve. All cookies have expiration dates. Our cookies are deleted when you quit your browser. Cookies cannot be used to obtain data from your hard drive, get your email address, or steal sensitive or personal information about you. Also, each cookie can only be read by the server that set it, so strange servers cannot view or steal the information in a cookie that you previously accepted. Note also that computer viruses are not passed through the setting or use of cookies.

How do I get Granite Online Banking and Bill Pay?
It's easy to enroll online for personal accounts (businesses must enroll conventionally, see below). Simply click the Online Banking link at the upper right of this page. Then select Enroll at the upper right of the Granite Online login page. Follow the instructions for an easy enrollment process.

If you prefer to enroll conventionally, complete and sign the Granite Online Banking Application which includes Bill Pay. Please be sure to read the Granite Online Banking and Bill Payment Service Agreement on page two of the form. Your signature will signify your agreement with them. Mail the completed form to the address below or bring it in person to any local office. You will then receive your account access information in the mail.

Bank of Granite
Attn: Online Banking
P.O. Box 128
Granite Falls, NC 28630

If you cannot print the application and agreement, please email us with your mailing address, and we will be happy to send one to you. You may also pick up copies at your local Bank of Granite office.

How do I add Bill Pay to my existing Granite Online Account?
You may follow the same procedures described above or complete the Granite Online Banking Change Request form and mail to the above address or drop it by your local office.

If you have any questions, please feel free to contact your local Bank of Granite office or email support@bankofgranite.com.