APPLYING FOR AN ACCOUNT ONLINE
How can I open an account online?
Opening and funding your account online is secure, fast, and easy. Simply click the link below to get started. Once your application has been received we will send you an email letting you know if it is approved, as well as any additional steps.
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What information do I need to apply for an account online?
- Your Social Security number.
- Your Driver’s License or State Issued ID number.
- Information about any loans or mortgages that you may have to help us confirm your identity.
- For instant funding, you will need your current bank account and routing number.
- If applying for a joint account, you will need the Secondary Applicant's name, Social Security number, and Date of Birth.
- A working printer in order to print disclosures, signature cards, and other important documents.
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What do I need to open a joint account?
You will need the same information that is needed when opening an individual account -- only you will need it for both applicants. See the question and answer above for more details. Please note that each applicant will need to sign the signature card.
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What type of accounts can I apply for online?
You can apply for a Checking, Savings, or Money Market account through our online account opening process. To apply for a CD, please call our 24-Hour ExpressBank.
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Can I apply for a Second Chance Checking account online?
No, however our 24-Hour ExpressBank can process your Second Chance Checking account application by phone.
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Can I apply for a loan online?
Yes, you can apply for a loan online by clicking here.
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Can I apply for a business account online?
No, however our 24-Hour ExpressBank can process your account application by phone.
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How do I fund my new account?
For instant funding, you will need your current bank account and routing number. This process may require you to verify account ownership in one of a two ways. Please allow 2-3 business days for your transaction to be deposited into your new account. As another option, you may choose to mail us a paper check to fund that account.
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How much can I initially deposit into my new account when applying online?
For Checking accounts, you can fund your new account with as little as $50 with a $1,000 maximum amount. For Savings accounts, the range is from $25 to $1,000 and a Money Market is from $100 to $1,000.
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How long will it take to open an account when I apply online?
Your application will be processed and your account(s) will be loaded onto our system within 1-2 business days of you completing all steps of the application. Many times a decision is given to you as you progress through the application. At times we may need to place your account(s) into a Pending status while we attempt to contact you for additional details. Please note the funding of your account(s) can take 2-3 business days.
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What's a promotional code?
A promotional code is a set of numbers and/or letters that you may receive from us in conjunction with a promotion we are doing. Not all applications will have a promotional code, so if you did not receive a promotional code from us via direct mail, web offering, etc., then proceed to through the application without entering a code.
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How do I navigate through the application?
Once you complete each page of the application you will be automatically taken to the next page in the application. To return to the previous step in the application, click the Previous Step button at the bottom of the page.
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What happens when I complete the application?
Upon completion of all of the application steps, your account(s) will be loaded on our system. The initial funding of your account can take 2-3 business days before you will see that amount in your balance. You will need to mail in your signature card within 10 days of account opening. If applicable your Check Card(s) and checks will be sent to you in the mail within 7-10 days of funding. You should expect to hear from us shortly after opening your account to see if you have any questions.
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What's a signature card? Why do I need to mail it back to you?
A signature card allows us to service your account. It is important to sign and mail your signature card to us as soon as possible. If you are applying for a joint account, please make sure both people sign the signature card.
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How do I get my account opening documents if I open an account online?
As part of the online account opening process, you will be asked to give consent to receive account opening documents and notices from us electronically. We encourage you to print or save copies of these documents. Some of the disclosures, rate information and terms and conditions are in Adobe Acrobat PDF format and require Adobe Reader to open. If you don’t have Adobe Reader on your computer please click here to download it free.
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When will I know my account has been opened?
You will receive an email from us letting you know your account is open and ready for you to use. Once you receive your Check Card (if applicable) we encourage you to enroll for Online Banking using our automated enrollment process. Should you want to enroll for Online Banking before receiving your Check Card or if you did not request a Check Card, please visit one of our convenient locations.
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Why did my application time out?
For security reasons, if your online account application is idle for more than 15 minutes it will be automatically be timed out. You will need to either restart your application or continue the existing application.
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How secure is my information?
We are committed to making sure that your personal information is safe and secure. With our security infrastructure in place, we are confident that access to your account is private and secure. For more information, click here.
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How do I fund my account if I don’t already have a bank account?
You may choose to mail in a check or money order to fund your account. To avoid having it returned to you, such items must be made payable to you exactly as your name appears on your application. Additionally they should be endorsed by you. You may also contact our 24-Hour ExpressBank and process your account application by phone.
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