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Checking and Savings FAQ

Q: What are my account and the routing numbers?
A: You can find them easily on your check book (see below) or monthly statement.

Q: What is the minimum to open a checking or savings account?
A: The minimum is $100.00.

Q: How do I set up direct deposit?
A: Contact your employer or the agency issuing the funds and complete a direct deposit form.

Q: When will my deposit post to my account?
A: It takes about 24 hours.

Q: What is the difference between the available balance and the memo balance?
A: The memo balance includes holds or memo debits/deposits on the account.  Always go by the available balance.

Q: How soon can I write checks or use the ATM after I make a deposit?
A: Funds are immediately available except for when a hold is placed on the deposit, at which time the customer is notified. 

Q: Where can I find my account balance?
A: There are several ways:  1)  Internet banking (click here to sign up), 2)  By calling any branch location, 3)  By calling our Infoline at 800-556-5429, or 4)  Download our mobile app

Q: Is the ATM balance the actual balance in my account?
A: No, the ATM balance does not reflect outstanding checks or memo activity on the account.

Q: Do you have overdraft protection on checking accounts?
A: Yes, for qualifying accounts.  Please call or stop by one of our branch locations.

Q: Can I open a savings account for my grandchild?
A: Yes, as long as you have documentation verifying the child’s social security number.

Q: If I have a student/children’s account, does it convert to a regular account the day I turn 23 or the month?
A: It converts during the month you turn 23.

Q: Can I order checks online?
A: Yes, on the left side of our homepage under partner links, you will find a link to Deluxe to order checks.