Secure Online Banking

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What is being upgraded?

We are making enhancements to our current internet banking platform.  These enhancements will impact BOC Online, BOC Bill Pay Service, and BOC Mobile Banking.

Why are these upgrades being made?

It is our intent to always provide the best banking experience for our customers.  Sometimes that means upgrading systems.   While our current internet banking platform remains functional, it does not provide the latest advances to banking technology that you, as our customer, deserve.  Additionally, it isn’t all about function.  Providing a secure internet platform is of importance to us and some of the upgrades will include more modern security protections.

When will these upgrades take effect?

The “live date” for these changes is February 14, 2019.

What will be different on February 14, 2019?

When you sign on to BOC Online, you will notice enhancements to the “look and feel” of our product.  Customizable screens will provide better access to our online features and will make navigating the website easier.

Will I need a new password?

No.  You do not need to change your password to access the enhanced version of Online Banking.  However, there is a new security protocol that will ask for an email addressand phone number. A verification code will be pushed out and you will need to re-enter that code to continue. There are a few additional steps you need to take if using Mobile Banking (see below).

I do not remember my password. What should I do?

If you do not know your password, you may request a new password through the online banking platform by visiting our website ( or you may call one of our helpful customer service representatives at 803.433.4451. You may also email us at

Bill Pay Services

What enhancements are being made to Bill Pay Services?

First, everything you’re currently able to do through bill pay will still be available.  New to this product is a calendar feature that is helpful when scheduling bills and looking at bill payment history.  This makes tracking past and future payments easier.  Another feature is online bill statements.  If supported by your payee, monthly statements can be sent directly to you electronically.  This also assists with tracking and budgeting.

What is “P2P”?

P2P references a new feature to Bill Pay known a “person-to-person” payment.  This allows two people to securely transfer funds from one to another electronically.  For example, rather than writing a $50 check to your friend for money that is owed, you send him a secure email to initiate a transfer.  Safe, quick, and convenient!

Will my current list of Payees transfer to the upgraded service?

Yes.  The payees currently in your BOC Bill Pay profile will transfer during the upgrade.

What is a “blackout period”?

During the process of updating and installing our enhanced bill pay service, the existing bill pay service will not be available.  This is known as a “blackout period”.  We anticipate the service will be unavailable from midnight on Tuesday, February 12 and Wednesday, February 13.  At that time, the upgraded service will be available.

How should I prepare for the Blackout Period?

If you have bills due on or around this date and you manually key them each month, you may wish to process them a couple of days early.  This will ensure your payment is not late.  If you have a payment auto scheduled and it falls on the 12th or 13th, it will be paid as normal.


Do I need to install a new app on my mobile device?

Yes.  Beginning on February 14, a new app will be available for download on your mobile device. The existing app will only work for 30 days.  After the 30 day transition period, the current app will no longer be functional.

How do I get the new app?

If you are an Apple user, go to your Apple Store and download the new app.  Key in “Bank of Clarendon” and search.  If you are an Android user, go to the Google Store and search for “Bank of Clarendon”.

How do I sign on the new app for the first time?

Once you have downloaded the app to your mobile device, there are several steps you will need to take before you can use it.  The following steps are required:

  • Enter your existing User ID and Password
  • Create a new 4 digit PIN and accept the terms and conditions
  • Initiate biometric recognition (thumbprint or facial recognition)
  • Enter Phone # and receive authentication code
  • Enter the authentication code

I do not remember my password.  What should I do?

You may request a new password through the online banking platform by visiting our website ( or you may call one of our helpful customer service representatives at 803.4334451. You may also email us at

What should I expect when I sign on with the new app?

A much more user-friendly experience!  Our new app will allow you to customize your Home Page and move around between accounts and functions with greater ease.  Information will be more easily viewable and organized in a way that better suits your needs.

Can I make a deposit with the camera on my phone?

Yes.  This is one of the enhancements we have made to our mobile banking app.  This service is called Remote Deposit Anywhere (RDA) and is available at no charge to you.  If you are interested in this service, select the “Deposit” button in your mobile app and follow the directions.  Registration for this service may take up to 1 business day.  Certain restrictions apply.

What other functions are available with the enhanced mobile app?

  • Customizable dashboard that allows you to change the settings to meet your needs
  • External transfers that gives you the freedom to move money from an account you may have elsewhere to your Bank of Clarendon account
  • More bill pay options through your mobile device