Yes! Each depositor is insured to at least $250,000.00.

After opening your checking account, 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.

After opening your checking account, you will receive our routing and transit number and your account number. Simply contact the Social Security Administration with this information or visit us and we can help you set up your direct deposit.

Yes! Thanks to the convenience of Direct Deposit, Online/Mobile Banking, and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Your account information is generally updated in real-time or every business day with new transactions that posted to your account the previous day.

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.

We accept mailed deposits and now offer Mobile Deposit through our Mobile Banking app! Mobile Deposit users must have a valid account and complete the registration process before being allowed to Mobile Deposit. Contact us for more information.

Internet Banking is a tool that allows you to use a personal computer or mobile device with an Internet connection to conduct your banking online.

You can view account balances and transaction history, transfer money, download transactions to a personal financial manager, and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Yes, the Internet Banking product stores your User ID, password, and user preferences. If you keep a stock portfolio, that information is also stored.

Your account information is generally updated in real-time or every business day with new transactions that were posted to your account the previous business day.

You can access your checking, savings, and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.

Yes, you can view your accounts by date, check number, payee, amount, or balance in ascending or descending order.

Internet Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.

With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Yes, we have an Online Banking Demo that can be accessed through our Home Page.

All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer or mobile device that has Internet access.

You must first complete the Internet Banking registration form and submit it to us. Once your registration is received, we will process your request. You will then receive an email with instructions on how to complete the registration process. You must have an existing checking, savings or loan account before using Online Banking.

Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a ‘Final Payment Date.’

Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After that it is an auto-enrollment process.

When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Not at this time.

No, only checking accounts can be used for bill payment purposes.

You can schedule payments 24 hours a day, seven days a week.

All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Bill payment provides you with peace of mind when you are traveling for an extended period. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Yes, you are limited to one bill payment account.

Anyone in the 50 United States and Territories who can accept a check or ACH can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Each bill payment is debited separately.

Following is a summary of iPay’s Insufficient Funds procedure:

• A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution.
• Upon the first return, iPay will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
• iPay will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.

Yes, they are all sent out at the same time.

Your account is debited via ACH or by check generated by iPay on your behalf per your request.