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Consumer Banking

  1. An online application is not available for this account at this time. However, you can be on your way to quickly and conveniently opening an account. Simply reach out to us for more information. Except for our Young Savers account, which requires your child to be able to print/sign their own name, you must be:

    • 18 years or older
    • a permanent resident of the United States
    • in possession of a valid U.S. tax identification number (Social Security Number).

    When opening an account, we require identification such as a Social Security card, driver's license, state ID, passport or birth certificate.

  2. Please contact us or visit your local branch and a representative will assist you. Keep in mind, you will be required to show proof of change such as a driver's license, utility bill or marriage certificate. Please have those documents available before visiting a branch.

  3. If your employer participates in a direct deposit program, simply provide our routing number (221472792)  and your account number to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days. If you need to set-up a direct deposit of your social security benefits, contact the Department of Social Security. 

  4. Yes! The basic insurance amount is $250,000 per depositor, per insured bank. Deposits maintained in different categories of legal ownership at the same bank can be separately insured. Therefore, it is possible to have deposits of more than $250,000 at one insured bank and still be fully insured. Ask us for specific details.

    Contents of a safe deposit box are NOT insured.

  5. APR or Annual Percentage Rate, is the annual rate of return on a deposit account. When referring to a loan or mortgage, it is the cost of the loan expressed as a percentage. 

  6. medallion signature guarantee is a guarantee by the transferring financial institution that the signature is genuine and the financial institution accepts liability for any forgery. A medallion signature guarantee protects shareholders by preventing unauthorized transfers and possible investor losses.