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FAQ Banking

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Frequently Asked Banking Questions

Q: Are my deposit accounts FDIC insured?
A: Yes! The basic insurance amount is $250,000 per depositor per insured bank. However, some depositors could be insured for even more. Go to www.fdic.gov or click here for more information.

Q: How do I set up Direct Deposit of my payroll check?
A: Once your checking account has been opened, 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: Once your checking account has been opened, you will receive our routing and transit number and your account number.We can assist you with completing any necessary paperwork with the Social Security Administration or you can change your direct deposit information at http://www.ssa.gov/deposit/.

Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our locations. We also have 24 hour phone banking available at 1-855-982-2265.

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. However, if you open an account with us and then decide to move out of the U.S., then you are allowed to keep your account open. If you live in the United States and are not a citizen, you need to be registered as a Resident Alien to open an account. A Work Visa in your passport is required and needs to be shown at the time of the account opening. A W-8 (Certificate of Foreign Status) will also need to be completed and updated every 2 years.

Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit 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 Online Banking, you have access to 6 months of your account information 24 hours a day, 7 days a week!

Q:How frequently is my information updated?
A: Most account transactions appear instantly. However, some information (such as loan balances) will be updated the following 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. If you are enrolled in Online Banking you can also conduct transactions with accounts that you own at other financial institutions through Online Banking. Contact us for details.

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, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

 
 
FDICEqual Housing LenderYampa Valley Bank
NMLS # 222273
Q2ebanking