Frequently Asked Questions

Online Banking

Q. What do I need to enroll for Online Banking?
A. You will need a Community Bank account and Internet access using one of these recommended browsers: Netscape Navigator 4.08/Communicator 4.7 or Microsoft Internet Explorer 7.0.


Q. Can I begin using Online Banking immediately?
A. Yes, if you have a personal Community Bank account. Simply complete our easy, fast enrollment form. You will receive an ID and password for access to Online Banking.


Q. Do I need to have a Community Bank account?
A. Yes, you will need a Community Bank personal account or a business account supported by online banking.


Q. What can I do with Online Banking?
A. Using Online Banking you can:

  • Check current balances on personal checking, savings, loan, money market, line of credit, CDs, mortgage, non-brokerage IRAs and most business checking accounts.
  • Transfer funds between many of your Community Bank accounts.
  • View up to 90 days of account activity.
  • Nickname your accounts for quick, personalized reference.
  • Download your posted transactions.
  • Submit customer service requests such as updating address and phone numbers, reorder checks, request stop payment on a check, order copy of checks or statements, inquire about transactions, ask a technical question and more!
  • Use Bill Pay to pay virtually anyone online that you normally write a check to.


Q. Which of my personal accounts can I view online?
A. Checking, Money Market, Savings, Line of Credit, Mortgage, Loans, Certificate of Deposit and IRAs.


Q. Can I view all of my Community Bank accounts online?
A. Yes, you can view all of your Community Bank accounts.


Q. Which business accounts can I view online?
A. You can view all of your Community Bank business accounts online.


Q. If I have both personal and business accounts, can I view them together with Online Banking?
A. Yes, however you may need separate IDs for each account.


Q. Can I view transactions in all accounts through Online Banking? How far back?
A. You may view transactions for the following accounts:

Checking Yes, up to 90 days
Savings Yes, up to 90 days
Line of Credit Yes, all transactions since account was added
Mortgage Yes, all transactions since account was added
Loan Yes, all transactions since account was added
CD Yes, all transactions since account was added
IRA Yes, all transactions since account was added

  
 
Q. What if I forget my online PIN?
A. If you forget your online PIN, please call Customer Service to have your PIN reset.


Q. What if I forget my ID?
A. If you forget your ID, please call Customer Service.


Q. Which personal accounts can I transfer funds to?
A. Using Online Banking, you can transfer funds between:

From To
Checking: Savings, Line of Credit, Loans, Mortgages
Savings: Checking, Line of Credit, Loans, Mortgages
Line of Credit: Checking, Savings, Loans, Mortgages

 
 
Q. If I transfer funds to my account, when will they be credited?
A. Transfers submitted to your checking or savings account before 6:00 p.m. Central time on any day, will be credited to your account the same day. Transfers submitted after the cut-off time or on a non-bank business day will be credited to your account on the next bank business day.


Q. Which business accounts can I transfer funds between?
A. Transfers can be made between any qualified business accounts.


Q. Can I transfer funds from my personal accounts to my business accounts using Online Banking?
A. Yes, you can if you are a sole proprietor and have your personal and business accounts linked to your ID.


Q. Can I set up recurring or future dated transfers?
A. Yes. Community Bank offers one-time and scheduled recurring transfers.

 
Bill Pay

Q. Whom can I pay through Bill Pay?
A. You can pay anyone in the United States from your next-door neighbor, to the utility company, to the bank and even a child in college across the country.


Q. When will the money be taken out of my account?
A. For Electronic Payees, the money will be withdrawn from your account on the payment due date. For Check Payees, the money is withdrawn from your account when the check pays. You should be prepared to have the money withdrawn on the payment date you have established.


Q. How late in the day can I enter, edit or delete a payment?
A. You may add, edit or delete payments at any time. Payments are processed twice daily at 2:00 a.m. and 2:00 p.m.


Q. What happens if I have a scheduled payment that falls over a weekend or holiday?
A. Scheduled payments that fall over a weekend will be processed on Monday. Holiday processing occurs the first business day after the holiday.


Q. Are there any merchants I cannot pay through Bill Pay?
A. Payments to government agencies, for taxes, court-ordered payments and fines cannot be paid via Bill Pay.


Q. Can I use Bill Pay if I live outside the United States?
A. Yes, as long as you have a bank account in the United States.


Q. Can I get a copy of a canceled check?
A. Payments made by check will appear in your monthly statement and you can view or print a image of the check from Netteller. You can request a copy through Customer Service. There is a fee associated with this service.


Q. How long is history retained in the View Payment History section?
A. Payment history records are kept for 18 months.


Q. How many payees may I have set up?
A. You may set up as many as 9,999 payees through the Internet.


Q. Can I edit vendor addresses?
A. Yes, you can edit the address and telephone information of vendors.


Q. How do I know if a merchant gets paid through an electronic transfer or by check?
A. When you select a payee from the Bill Pay database, you will be able to see the type of payment.


Q. Can I set up recurring payments?
A. Yes, you can set up payments in these frequencies:

  • Weekly
  • Bi-Weekly
  • Semi-Monthly
  • Monthly
  • Quarterly
  • Semi-Annually
  • Annually


Q. Is the memo field that I fill out when setting up a payment passed on to the merchant?
A. A. Yes, the memo field of 40 characters is printed on your checks. The account number that you entered when you added the payee to your Personal Payee List is also printed on the check allowing the payee to know which account to apply the payment.

 
Checking, Savings, CDs and IRAs

Q. What is overdraft privilege?
A. Overdraft privilege is a service to help you prevent bounced checks on your checking account.


Q. How do I change my address?
A. To change your address, please contact Customer Service or visit your local branch. You may also send a secure email by logging into Online Banking.


Q. How do I close my account?
A. We are sorry you wish to close your account. We work hard to try to make banking with Community Bank a productive experience. Please contact Customer Service if we can assist you in any way.


Q. How do I send a wire? How do I make a wire transfer? How do I send an international wire?
A. You must visit a Community Bank branch office to send a wire and present proper identification. Commercial customers may sign up to send wires online using Cash Management.


Q. How can I reorder checks?
A. You can reorder checks for your personal accounts online by visiting our website or contact Customer Service.

 
Debit Cards

Q. How can I order a MasterCard® Debit Card?
A. Click here to complete an online MasterCard Debit Card Application.


Q. What should I do if my Personal Identification Number (PIN) isn't working?
A. Visit any Community Bank branch to have your PIN number reset.


Q. How can I add additional accounts to my card?
A. Contact Customer Service for assistance or your local branch.


Q. How do I activate my card?
A. Your card will activate automatically by using your card with your current PIN at any ATM.


Q. How is my MasterCard Debit Card different from a credit card?
A. Your MasterCard Debit Card is not a credit card so you are not billed for finance charges. Each purchase is deducted from your Community Bank checking account and is detailed on your monthly statement.


Q. What should I do if my card is lost or stolen?
A. Please contact Customer Service or call our ACCESS line as soon as possible after you discover your card is missing. We will cancel your card and issue a replacement. You will not be liable for any unauthorized purchases or withdrawals from your account if you report the loss promptly.

 
Credit Cards

Q. When will I receive my card?
A. You will receive your card within two to three weeks upon approval.


Q. What if my credit card gets lost or stolen?
A. Please contact Card Services at 1-800-367-7576 as soon as possible after you discover your card is missing. Your card will be cancelled and a replacement card will be issued. You won't be liable for any unauthorized purchases or withdrawals from your account when you Card Services promptly.


Q. Can I link my credit card to my Community Bank checking or savings account?
A. No.


Q. What is an annual percentage rate (APR)?
A. APR is the cost of credit on a yearly basis expressed as a percentage. It reflects interest rate plus any finance charges.


Q. What is a periodic rate?
A. Periodic rate is a finance charge that may be imposed by a creditor on a balance for a day, week, month or any subdivision of a year.


Q. What is a prime rate?
A. Prime rate is a fluctuating rate of interest determined by an individual bank to be its "prime rate." The Wall Street Journal's published prime rate is often used as the index in a variable credit line.


Q. Where do I send my credit card payment?
A. Credit card payments should be sent to the address on your credit card statement.


Q. Can I make a credit card payment at a branch?
A. No, payments must be sent to the credit card processing center.


Q. How can I get a copy of my credit card statement?
A. You can request a copy of your credit card statement by contacting Card Services at 1-800-367-7576.


Q. How can I find out the status of my credit card application?
A. You can check the status of your Community Bank credit card application by contacting Card Services at 1-800-367-7576.


Q. How can I check my Community Bank credit card account?
A. You can check your Community Bank credit card account by contacting Card Services at 1-800-367-7576.

 
Mortgage

Q. Why should I get pre-qualified?
A. Pre-qualification on your mortgage loan will save you time once you have decided on a home to buy and you will know how much home you can qualify for before you shop.


Q. What types of mortgages are available?
A. Community Bank offers several mortgages choices:

Fixed-rate mortgage
You pay the same interest rate and same monthly payment of principal and interest for the duration of the mortgage. The most common terms are 30, 20 and 15 years. Fixed-rate mortgages are best if you plan on being in your home for a while.

Adjustable-rate mortgage (ARM)
The interest rate stays fixed for an initial interest rate period, which ranges from 1 to 7 years or more. An ARM is a good option if you believe interest rates will go down over the next few years or if you plan on staying in your home 5 to 7 years or less.

Combination loan
With a combination loan you receive a first mortgage combined at the same time with a second mortgage. This option may help you avoid the costs of private mortgage insurance (PMI) and/or the higher rate of a jumbo loan with as little as 10% down. The most popular combinations are 80-10-10 (80% first, 10% second, 10% down) and 75-15-10 (75% first, 15% second, 10% down).

 
Business Checking, Savings and CDs

Q. How can I open a Community Bank business checking account?
A. You can open a Community Bank business checking account at one of our branch banks.


Q. What do I need to open a new business checking account?
A. The required documentation and eligibility requirements to open a business checking account vary by ownership type. Specific information can be obtained at one of our branch banks.


Q. Can I reorder my business checks online?
A. Yes, click on the link Reorder your business checks online.


Q. How can I open a Community Bank business savings account?
A. You can open a Community Bank business savings account at one of our branch banks.


Q. What do I need to open a new business savings account?
A. The required documentation and eligibility requirements to open a business savings account vary by ownership type. Specific information can be obtained at one of our branch banks, by phone or online.


Q. Do you automatically renew CDs at the time of maturity?
A. Yes. Community Bank will automatically renew the account by reinvesting funds on the maturity date, which is the first day after the term ends. We reinvest both principal and interest. You can elect to receive interest earned on the account, a portion of the account or the entire amount of the account. The term for the automatically reinvested deposit is the same as the previous term of the account.


Q. What are the limits on my Business Debit Card?
A. You may make withdrawals up to $500 of your available balance per day. For card purchases using your PIN, your daily limit is $3,000 of your available account balance.


Q. How many accounts can I link to my Business Debit Card?
A. You can link up to 8 Community Bank business checking and savings accounts to one card for ATM withdrawals.


Q. How do I activate my Business MasterCard® Debit Card?
A. To activate your Business MasterCard® Debit Card, use your card with your Personal Identification Number (PIN) at any ATM. For your protection, your card will not work until you complete this step.


Q. How is my Business MasterCard® Debit Card different from a credit card?
A. Your MasterCard® Debit Card is not a credit card so you are not billed for finance charges. Each purchase is deducted from your Community Bank business checking account and is detailed on your monthly statement.


Q. What should I do if my Business MasterCard® Debit Card is lost or stolen?
A. Please contact Customer Service (800-460-6634) or call our ACCESS line as soon as possible after you discover your card is missing. We will cancel your card and issue a replacement card within a few days.


Q. Does the Business MasterCard® Debit Card offer any rewards such as frequent flyer miles?
A. The Business MasterCard® Card does not currently offer reward miles.


Q. Why should I use a Business MasterCard® Debit Card?
A. A Community Bank Business MasterCard® Debit Card is a convenient, efficient way to pay for business expenses and offers advantages over check writing:

  • Since your purchases are automatically deducted from your business checking account, you have the advantage of receiving no surprise bills at the end of the month.
  • There are no per-item fees for conducting MasterCard® debit card transactions.
  • Every MasterCard® transaction comes with a receipt detailing the merchant name, transaction date and amount.
  • Full transaction detail appears on your monthly checking account statement.
  • Transactions also appear on your personal Online Banking page approximately two to four days after your transaction, free of charge.
  • Your Business MasterCard® debit card can be used for Internet and phone order transactions.
  • Business MasterCard® debit cards are accepted at 18 million MasterCard® locations worldwide.

Business Financing

Q. What is a Small Business Administration (SBA) loan?
A. SBA is a federal agency that helps established businesses grow and helps new businesses get started. Community Bank is proud to be an SBA partner. The 7(a) product is the primary lending program for term loans and the 504 product is designed to promote local economic development.


Q. Is Small Business Administration (SBA) financing right for me?
A. A SBA loan may be the right financing for you if your business is growing quickly and you cannot qualify for conventional financing at reasonable terms. Contact your Community Bank branch for complete details.