What is the difference between the available and ledger balance?
A. The available and ledger balances listed in the Account Summary screen can differ. The available balance reflects the funds currently available for use. The ledger balance reflects the actual balance in the account as of the close of the previous business day, plus any real-time deposits or withdrawals. Q. How can I change my Online Banking password? A. Log on to The Gifford State Bank Online Banking and Bill Payment system and select the Service Center link. Next, select the Change Password link. This option will allow you to change your password for Online Banking. If you do not know your current password, you may visit one of The Gifford State Bank offices or call the (217) 568-7311 or (217) 469-8900. Q. How can I add payees for bill payment? A. Log on to The Gifford State Bank Online Banking and Bill Payment system and select the Make Payments tab, and then click on Manage Payees and then Add Payee. You can choose payees from a list of common payees that have been included for y
