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Q: Do you offer a credit card?

A: YES. Our credit card is issued from us, your community bank, not one of the big national credit card companies. It comes with a NO ANNUAL FEE, a competitive interest rate, and no hidden fees. We even have a rewards program where you earn one Reward Point for every dollar you spend. We also provide online account access and fraud protection for your peace-of-mind.


Q: What is a cashier's check?

A: A cashier's check (also known as a cashier's cheque, bank check, official check, teller's check, bank draft or treasurer's check) is a check guaranteed by a bank. They are usually treated as cash since most banks clear them instantly.


Q: How do I obtain a cashier's check?

A: Visit your local financial center to request a cashier's check.


Q: What is a Savings Bond?

A: A Savings Bond is a certificate of debt issued by the government that guarantees payment of the original debt plus interest after a specified future date. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.


Q: What is a Home Equity Loan?

A: A Home Equity Loan is a loan that borrows against the equity in your home. Interest rates are about half the cost of credit cards. Unlike credit card debt, interest on the first $100,000 of a home-equity line generally is tax-deductible.


Q: What is a Certificate of Deposit?

A: A Certificate of Deposit or commonly referred to as a CD, is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination.


Q: What is a Health Savings Account?

A: Health Savings Accounts (HSA) give consumers another option for managing the high costs of health care. HSAs give consumers more control over their money by allowing consumers to invest their money for current and future medical expenses and have it grow tax-free. Unlike flexible spending accounts, which are controlled by employers and have a use-it-or-lose-it feature, HSAs are portable and belong to the consumer for life. Small businesses are especially well served by HSAs. Traditional health care insurance is often too expensive for small businesses to offer. With a high-deductible plan and corresponding HSA, business owners can offer employees the health care security they need.


Q: What is Overdraft Protection and why do I need it?

A: We have busy lives and some time mistakes just happen. Instead of getting charged for bouncing a check, with Cash Reserve we will cover the check for you. Cash Reserve is an instant loan and if you pay off quickly it is usually less expensive than the bounced check fee. So sign up today and protect yourself from the inconvenience of an overdrawn account.


Q: What is Direct Connect?

A: Our Direct Connect service allows you to conveniently access your accounts directly through your Quicken or QuickBooks software in order to download account activity and complete account transfers.


Q: How will I know if my check has been deposited?

A: Online banking customers can view deposits and withdrawals with banking@home.


Q: How do I enroll in Online Banking?

A: You can self-register for Online Banking services by clicking Enroll in the Account Login widget on the Home Page.


Q: How do Deposits and Holds Work?

A: When you make a deposit to your account, we generally make the deposited funds available the next business day. From time-to-time we may place a hold on a deposit, which means that you may not have access to those funds as soon as you expect.

The availability of funds depends on a number of factors, including how, when and where you made the deposit.

When you deposit cash with a teller, funds are typically available immediately. Deposits made at an ATM are not immediately available.


Q: What is a Memo Post?

A: A memo post is a transaction that has not yet posted, but is temporarily included in the current day's available balance until the nightly ledger update. The transaction is processed and cleared for the next day.


Q: Is an eStatement different than my paper statement?

A: No. An eStatement contains the exact information that the paper statement you receive in the mail. With an image statement, instead of the actual check, there will be a picture of each check you have written for the month. Feedback from imaged checking customers indicates that checkbook reconciliations is much easier and faster.