Do you have a general, banking-related question? You may find the answer here. If you can't find the information you need, please don't hesitate to ask us. Contact us online, or just drop by a convenient branch location.
Q: Is there a banking crisis?
A: Let's set the record straight: The banking industry — traditional federally insured, federally regulated depository institutions which include your local commercial bank, thrift or savings bank — is safe and sound. And your account in commercial banks, thrifts, and savings banks carry FDIC insurance.
Q: How do we know that?
A: Federally regulated banks are required to employ underwriting practices to avoid losses and to promote safe and sound operations. And when they do not operate appropriately, their regulators, who visit them annually, will take exception to such practices and require corrective action.
Q: Who regulates banks?
A: That depends on the bank's charter. There are three federal regulators—the Federal Reserve Board; the Comptroller of the Currency; and the Federal Deposit Insurance Corporation. The FDIC also insures deposits in its member banks up to $250,000 for regular accounts and retirement accounts. That insurance applies to accounts in FDIC member banks that are commercial banks, thrifts and savings banks. We are regulated by the OCC and our deposits are insured by the FDIC.
Q: Are my deposit accounts FDIC insured?
A: Yes! Each individual customer's account is insured by the FDIC up to $250,000 per depositor.
Q: How do I set up direct deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
Q: How do I set up direct deposit of my Social Security check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us, and have your Social Security number and account information available to set up your direct deposit right over the phone.
Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or call our Voice Response System at 1-800-458-5585 for automated account information 24 hours a day.
Q: What products can I apply for online?
Q: Do you offer IRAs online?
A: Yes, we do offer IRAs online. Learn more about them here.
Q: Is interest paid on my checking account?
A: It depends on the type of checking account you have. If you want a checking account that pays high interest, check out our free Simply Rewards Checking – Cash account.
Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A: We accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.
Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of direct deposit and ATMs, everyday banking activities can be performed at any time.
Q: Can I look at all of my transactions at any time?
Q: How frequently is my information updated?
A: Your account information is updated immediately.
Q: Are wire transfers possible to and from my accounts?
A: Yes, funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. You can also access your accounts through our online banking and mobile banking services.
Q: When do I have access to use online banking?
A: With online banking, you have access to your account information 24 hours a day, 7 days a week!