Frequently Asked Banking Questions
Q: Are my deposit accounts FDIC insured?
A: Yes! Each individual customer's account is insured by the FDIC up to $250,000 per account. Click Here for additional information.
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 your local Social Security Administration office and provide them with this information.
Q: Can I get information about my account by phone?
A: Yes! Account information is available through our 24-hour Telephone Banking service at 1-866-474-0927.
Q: What products can I apply for online?
A: Yes, You can apply for a consumer or mortgage loan online.
Q: Do you offer IRAs?
A: Yes we do offer IRAs. To see what we currently offer, visit our Time Deposit and IRAs page under the Savings and Investments drop down menu.
Q: Is interest paid on my checking account?
A: Yes! If you want a checking account that pays a market rate of interest, check out our Now Checking 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: At this time, we only 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 at 256-255-2000. 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 Deposits, Online Banking and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.
Q: Can I look at all of my transactions at any time?
A:Yes! With NetTeller Online Banking, you have real time access to your account information 24 hours a day, 7 days a week!
Q: How frequently is my information updated?
A: Your account information is updated every business day with new transactions that posted to your account the same day.
Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. View our wire instructions online under Resources or Contact us for details. You can also contact the Operations Department at 256-255-2000.
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 or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. We offer Remote Deposit Capture to our business customers pending approval. Contact us for details on a method that's best for you.
Q: When do I have access to use Online Banking?
A: With NetTeller Online Banking, you have access to your account information 24 hours a day, 7 days a week!