Let's Chat
Frequently Asked Questions
How do I build my credit score?
Talk to your local lender; they may have solutions depending on your situation.
How do I change my email address on file with the bank?
Just log in to consumer online banking and click on Profile in the upper right-hand corner of the page. From there you can edit your email address.
How do I dispute something on my credit report?
Contact the credit reporting agency and the debtor, you must be able to provide your security information.
How do I maintain a good credit score?
Only apply for credit when you need it. Pay your loans and/or bills on time. Always keep your balance under your credit limit.
How long does it take for funding to process?
Funding your new account can take 3-5 business days to process. There are situations where processing can take longer. Please contact Customer Support if you have questions.
I've forgotten my online banking password, how can I reset it?
Just click on the gold Account Login button in the upper right-hand corner of the website, click on Personal Login, then click on Forgot Password, enter your Username, last four digits of your Social Security Number and your email address. A new password will be emailed to you.
I've forgotten my Username for online banking. How can I retrieve it?
You will need to call our customer support center at 1-800-227-7715 for assistance in retrieving your Username.
I've moved, can I change my address online?
Yes! Just log in to online banking. In the menu, choose Address Change and follow the on screen prompts. Keep in mind that address changes may take a few days to process.
If I co-sign on a loan, does it report on my credit?
Yes, it will show up on your credit report. Their debt is your debit, late payments will count against you.
What can I use to fund my new account?
We require new accounts to be funded at the time of opening. You can fund your account using a credit card, debit card, or ACH transfer.
What do I do if I do not receive the temporary code?
Your one-time passcode (OTP) is generally received within 60 seconds, but it can take 3-5 minutes. If you did not receive your OTP, please select the option to send it again. If you’re still having issues, please go back and review your phone number and try again.
When will I receive a debit card?
If you’ve opted to receive a debit card, we will mail one to you once your new account has been funded with $100 or more. It can take 7-10 business days to receive your new debit card in the mail.
When will I see my new account in online banking?
Your new account should be visible within an hour of being opened. If your application is in review, a representative will need to verify your information. You should receive an email once the account has been opened. And if the application is declined, you'll also be notified via email. Applications in review can take 1-2 days before the account is opened.
Where can I find my account number?
If we do not need any additional information, after you submit your application, you will be taken to a screen that will give you your new account number. If you did not get it or missed that page, please visit a branch or contact Customer Support for assistance.
Who are the credit reporting agencies and how can I reach them?
Equifax
1-888-378-4329
Equifax.com
Experian
1-800-397-3742
Experian.com
TransUnion
1-800-916-8800
Transunion.com
Who uses a credit score?
- Lenders
- Landlords
- Potential Employers
- Leasing Companies
- Utility Companies
- Insurance Companies
Why are credit scores important?
- Consumers who have a higher credit score generally get better credit terms.
- Having a good credit score may get you discounts on your insurance.
- You may have an easier time renting or buying a home.
Why won't the application accept my address?
Currently, we are only able to accommodate accounts for customers who live within our trade area. If you do not live within our service area, we encourage you to consider us when you’re closer. Accounts opened outside of our service area are subject to review and closure.