Banking FAQ

Are my deposit accounts FDIC insured?
Yes. The standard FDIC insurance amount is $250,000 per depositor for each account ownership category.

How do I set up Direct Deposit of my payroll check?
After your checking account 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 your payroll administrator at your company, or visit any branch location to get a form for your employer. Your direct deposit will usually begin within thirty days.

Can I get information by my account by phone?
Yes! Our 24-hour Telephone Banking System is available 24 hours a day, 7 days a week, for automated account information. Call too-free 877-982-2500 or locally at 269-982-0002.

Can I do all of my banking with you?
Yes! Thanks to the convenience of Direct Deposit, Internet Banking, Mobile Deposits, Debit cards and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Can I look at all of my transactions at any time?
Yes! With Online Banking you have access to your account information 24 hours a day, 7 days a week!

How frequently is my information updated?
Your account information is updated every business day with new transactions that posted to your account the previous day.

Are wire transfers possible to and from my checking account?
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.

How do I make a deposit to my account from a remote location?
You can do most of your banking by using Direct Deposit, Mobile Deposits or ACH (Automated Clearing House) transactions. Contact us for details on a method that’s best for you.

How can I get copies of a check that has already cleared?
You can get some images on Online Banking, or you can contact any branch.

Can I get paperless statements?
Yes! Click on e-Statements on the home page of our website to enroll.

How can I do a stop payment on a check?
Log in to your Online Banking account or contact any Branch.

Online Banking FAQ

What is Online Banking?
Internet Banking is a tool that allows you to use a personal computer, tablet, or smart phone with an Internet connection to conduct your banking online.

What can I do with Online Banking?
You can view account balances and transaction history, transfer money, pay bill, download transactions to a personal financial manager and much more!

Is any of my personal information stored in the Online Banking product?
Yes, the Internet Banking product stores your User ID, password and user preferences.

How current is my banking information?
Your account information is updated every business day with new transactions that were posted to your account the previous business day.

What accounts will I be able to access through Online Banking?
You can access your checking, savings, investment, and loan accounts from the Online Banking service. Our Online Banking product is intended to give you as much access, security and versatility as possible.

How much account information can I view at once?
The system will automatically show the current month’s transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to the same date of the previous month.

Can I view my account details in more than one way?
Yes. You can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

What formats can I download my transaction history into?
Online Banking supports downloads to Intuit Quickbooks, QuickenTM or as a comma-delimited text file.

Can I schedule future transfers?
Yes. You have the capability to schedule open, future and recurring transfers.

When Can I use Online Banking services?
With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

What is required to use the Online Banking service?
All you need to use Online Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer. You can use any device that has Internet access.

How do I access Online Banking?
You must first complete the online registration form on our Home Page. Just click the word "Enroll Today" and follow the prompts; You must have an existing checking account before banking online.

What happens if I forget or lose my password?
Go to the home page of our website and click on the forgot password, an e-mail will be sent to the e-mail address you entered during registration within minutes with a new temporary password. If you need additional assistance call us at (269) 982-4175 or toll-free at (800) 922-5221, and one of our Online Banking specialists will be happy to assist you in taking you through the steps needed to get back into the system.

Bill Pay FAQ

How do I register for electronic bill payment?
Bill Pay registration is easy! The first time you attempt to access the bill payment section of Online 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. Once the disclosure is agreed to, you complete the online registration form.

Is it possible to schedule recurring payments?
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”.

When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
When you update information for the bill payment account, the changes are implemented virtually instantaneously.

Can I receive an annual summary of my bill payments sorted by category or payee?
Not at this time.

Can I use electronic bill payment with all my accounts?
No, only checking accounts can be used for electronic bill payment purposes.

When is bill payment available?
You can schedule payments 24 hours a day, 7 days a week.

Are my bill payment transactions reflected as Online Banking transactions?
All bill payment transactions become part of the Online Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

How do I add new payees?
You can add payees by accessing the “Add Payee” screen. New payees will be added to the payee list immediately.

Can bill payment be used when I am out of the country?
Bill payment provides you with peace of mind, even when you are traveling for an extended period of time. 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.

Is there a limit to the number of bill payment accounts I can set up?
Yes, you are limited to one bill payment account.

Who can be paid using the bill payment system?
Anyone in the 50 United States and Territories who can accept a check 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 (federal, state or local) and court-directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Can I pay my bills on the weekend?
You can set up your payments on 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 a 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.

If I schedule multiple bill payments for a single day, how will my account be debited – as a lump sum or separately?
Each bill payment is debited separately.

What if I do not have sufficient funds on the day Checkfree Services (the bill payment provider) debits my account?
The following is a summary of Checkfree Services’ 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, Checkfree Services will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be re-sent regardless of the dollar amount without financial institution verification.

  • Checkfree Services 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.

Are all debits and credits sent out at the same time?
Yes, they are all sent out at the same time.

How is my account debited?
Your account is debited via ACH.

What is ACH?
ACH (Automated Clearing House) is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
If you select an electronic payee with an address that is different from that indicated on the payment coupon, you are responsible for the late fee. You always have the option to manually enter a different address for a payee. If you select an electronic payee with the address that matches that indicated on the payment coupon, and Checkfree routes the payment incorrectly, then Checkfree Services will take responsibility for the late fee.



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