Frequently Asked Questions (FAQs)

1. What do I need to open a new account?
   You will typically need a valid photo ID (like a driver’s license), your Social Security number, and proof of your current address (if needed). For business accounts, we may also need business formation documents and tax identification info.

2. Why are you asking to see my ID more often?
   Protecting your account is a priority. We may ask for ID to help verify your identity and reduce fraud, even if we recognize you. It is a quick step that helps keep your money and personal information safer.

3. What are your branch and holiday hours?
   All of our branch hours are the same across locations. Holiday hours can change around federal holidays or weather events. The most current hours and closure updates are posted on our website and social media.

4. How do I set up online and mobile banking?
   You can enroll through our website or ask any branch team member to help you get started. Once enrolled, you can check balances, transfer funds, view transactions, set up alerts, and more from your computer or phone.

5. Can I deposit checks using my phone?
   Yes, mobile deposit is available in our mobile banking app (for eligible accounts). Just endorse the check, take clear photos of the front and back, and follow the prompts. Keep the check for a short time after depositing it in case it is needed later.

6. What should I do if my debit card is lost or stolen?
   Contact us right away so we can help protect your account. We can disable the card and order a replacement. If you see any transactions you do not recognize, report them as soon as possible.

7. How do I stop or dispute a transaction?
   If you notice something unusual, call us quickly. We will review the transaction details and help you with next steps. Timing matters, so reaching out right away is the best approach.

8. How do I set up direct deposit?
   You will need your account number and our routing number. Many employers let you set it up online through HR or payroll, or with a paper form. If you need help finding the correct information, we can assist.

9. Do you offer home equity loans or HELOCs?
   Yes. Home equity options can be used for things like home improvements, major purchases, or consolidating higher-rate debt. A loan officer can help you compare options and understand rates, terms, and payment estimates.

10. How do I apply for a loan, and what happens after I apply?
    You can apply by phone, online (if available), or in person. After you apply, we may request documents (like pay stubs or tax returns), review credit and collateral (if applicable), and then follow up with an approval decision and next steps.