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General Questions

Routing Number: 325182289

What are your hours of operation?
All of our branches and offices are open Monday through Friday.

Branch Hours:
Monday - Friday: 9:00am – 5:00pm

Administrative Center Hours:
Monday - Friday: 9:00am – 5:00pm

What is 1st Security Bank’s main mailing address?
1st Security Bank
PO Box 97000
Lynnwood, WA 98046-9700

Does it matter which branch is my branch of account?
You may visit any branch location to deposit and withdraw money, make loan/mortgage payments, change account information, etc. Your branch of account, however, takes pride in getting to know you on a personal level and takes the time needed to determine how to help you make the most of your financial resources.

How do I change my account address?
Visit one of our branch locations
Within 1st Security Bank’s Online Banking – My Profile > User Options
Fill out, print, sign, and mail 1st Security Bank’s Contact Information Change Request Form to 1st Security Bank, PO Box 97000, Lynnwood, WA 98046

How do I change/update the name on my account?
Visit or call any of our branch locations to find out how and what documentation will be required.

How does 24-Hour Telephone Banking work?
A free, 24-hour automated phone service, Telephone Banking is a response system that allows you to make routine transactions from a touch-tone phone. To check balances, transfer funds, and review recent transactions, simply call (800) 433-0888. To set-up 24-Hour Telephone Banking, or to learn more, please contact or visit your local 1st Security Bank branch to obtain a PIN.

24-Hour Telephone Banking Directory

Downloading and Registering

What is CardValet?
It’s a mobile card management app and fraud mitigation tool for our cardholders. CardValet gives you the freedom to manage and customize your card usage and settings from the convenience of a smartphone.

Do I need a smartphone or tablet to use CardValet?
Yes. CardValet will operate on both Android and Apple devices. It is compatible with their most recent software releases, as well as the past two generations.

Where can I find the CardValet app to download?
The app can be found in both the Google Play store and Apple app store as “CardValet”.

Why does CardValet take so long to load when I open my app?
When loading, CardValet creates a secure connection to protect your information. Creating this secure connection can take longer than expected if your signal or connection is weak.

Why does my full address not fit during registration?
CardValet will only allow up to 20 characters in the address field.

What should I do if I forget my user name?
If you have forgotten your user name, please contact your local branch for assistance. At this time, there is not an option to retrieve your user name within CardValet.

How many times can I input my password incorrectly before I am locked out?
After each failed login attempt, you will receive a “Login Failed. Please enter username and password” message. After the third failed login, the system will lock you out for 30 minutes. If you wish to be unlocked prior to the 30 minute time frame, please contact your local branch for assistance.

Who should I contact if I have an issue with my card settings?
If you are experiencing issues with card settings or transactions are being denied, please contact your local branch for assistance.

Is support available?
Yes, you can contact 1st Security Bank at (800) 683‐0973, Monday – Friday 9:00 AM to 5:00 PM.

Can multiple 1st Security Bank debit cards be linked to one registered CardValet account?
Yes. Cardholders can register multiple cards within a single CardValet app. Additional cards may be added within the “Settings- Add Card” screen.

How many cards can you register within a single CardValet application?
There is no limit.

I have a custom debit card, but the card image within CardValet is green, why?
The debit card image within CardValet will be green, as CardValet only allows us to display one standard design for all debit cardholders.

If I lose my debit card and shut it off within the app, will I automatically be issued a new card?
No. If you cannot find your debit card, or suspect it has been stolen, please contact your local branch to report it so that they may also assist you with a new card order.

How long do I have to wait to use my card after turning it back on?
Off and On settings should take affect almost immediately as long as service is available for your mobile device

Balance and Activity

How far back can I view my transaction history in the app?
CardValet will display the last 50 of your registered card’s transactions that were posted within the last 30 days.

Can I check my account balances using CardValet?
Yes. You can view the balances on each account that is linked to your registered 1st Security Bank debit card(s).

General Settings

How long does it take for Control or Alert Settings to take effect?
Control and Alert Settings take effect as soon as the “Updating information” message in the app disappears.

If my child and I have a joint checking account and I registered my child’s debit card, can I set up restrictions for their card?
Yes. If you have registered your child’s card within CardValet, you will be able to set restrictions and alerts for their cards.

Will adding controls or turning off my card effect recurring transactions?
No, recurring transactions will not be affected and will continue to process normally.

Location Controls

Can I restrict transactions by location?
Yes, transactions can be restricted by region (zip code) or by proximity of your primary device.

If I set a location restriction will it stop online purchases?
No, the location restriction only applies to in-store purchases.

What exactly is the range of the “My Location” controls and will this control setting affect internet transactions?
The “My Location” control will check to ensure the merchants location is within a five miles radius of your “primary” device. These controls affect in-person transactions only and will not affect internet transactions. Transactions attempted outside of this 5 mile radius may be declined.

What happens if I leave my phone at home or I don’t have it on me after setting up my location?
If you travel outside of the five mile radius set by the “My Location” setting your card transactions may be declined. If this is the case, please contact your local branch for assistance.

Can I enable international travel?
Yes, however you will still need to contact your local branch to inform them of your travel plans. If international travel is enabled within the app and your local branch is not notified, transactions will still be denied.

Merchant Controls

Can I restrict which stores my card can be used at?
Restrictions can be set up for certain merchant types. Please be aware that the merchant codes presented may differ from the ones you might associate with a particular merchant. An example of this would be Costco identifying their merchant type as a “Department Store” yet you have restricted “Grocery Store”. In this example, the transaction would be approved because the merchant types weren’t identical.

Threshold Controls

Am I required to input a dollar amount when setting a threshold amount?
Yes. A dollar amount is required, as any transaction above the amount entered will be declined.

Can I increase my ATM and Point-of-Sale (POS) purchase limits using the app?
The Bank’s standard ATM and POS purchase still apply. To request an ATM or POS limit increase, please contact your local branch for assistance.

I set my child’s limit to $40 but they were able to spend $100 in a day, why?
Threshold limits will only affect individual transactions and not the daily limit. If a threshold is set to $40, the debit card user will only be able to spend $40 per transaction, but will not be stopped from spending more through multiple transactions up to the maximum allowed per day.

Will CardValet send me alerts when card transactions happen?
Yes. CardValet can either send you alerts for whenever a card transaction occurs, or you can set up certain parameters on when alerts will be sent. These parameters can be set by location, merchant type and amount of transaction.

How do I receive notifications?
Push notifications are sent to the phone number CardValet has on record. You will not receive notifications if you have turned the function “off” within CardValet, or if the push notification setting in your phone is disabled.

Can notifications be turned off for a specific time period?
Yes. A “Do Not Disturb” time can be set that will stop most notifications being sent during that time. Transaction denial and in-person transaction notifications will still be sent. Notifications can also be accessed under the “Messages” tab within the CardValet app.

If I have notifications turned off within CardValet or my phone settings stop them from appearing, is there another way I can view them?
Yes. Copies of all notifications are located within the “Message” tab located within the CardValet.

How do I handle declined transaction notifications?
Log on to the CardValet app and verify your settings; is your card active, is the ATM withdrawal or purchase within your threshold amount, merchant category or location? When a transaction is declined, there is no way to approve it using the app. To have the transaction go through, you must change whatever control stopped the transaction in the first place, and then process the transaction again. If you are unsure why your card was declined, please contact your local branch for assistance.

Why am I not receiving any notifications when I make a transaction?
Notifications may be disabled from within CardValet or from your mobile device. To turn on notifications from CardValet; login, click the menu button, click on “more”, and set “Notification” to on. To turn on notifications within your mobile device setting, please refer to your user manual.

What is 1st Security Bank’s ABA or routing transit number?

As a customer of the Bank, what do I need to know to send an outgoing wire transfer?
Please visit one of our branch locations to send an outgoing wire transfer. The daily domestic wire transfer deadline is 2:00pm PST and the daily international wire transfer deadline is 1:00pm PST.

The following information is required to initiate a domestic wire request:

  • Your account number to debit
  • The dollar amount of the wire transfer
  • Wire recipient’s name and physical address
  • Receiving bank name
  • Receiving bank’s 9 digit routing transit number
  • Wire recipient’s account number
  • Any additional reference or message to wire recipient

The following information is required to initiate an international wire request:

  • Your account number to debit
  • The dollar amount of the wire transfer – indicate in US Dollars or foreign funds (i.e. 1000 Euros)
  • Wire recipient’s name and physical address
  • Receiving international bank name
  • Receiving international bank SWIFT code
  • Intermediary bank name (if applicable)
  • Intermediary bank SWIFT code (if applicable)
  • Wire recipient’s account number
  • Any additional reference or message to wire recipient

Does 1st Security Bank have a SWIFT Code or BIC (Bank Identifier Code)?
Yes, please contact your local branch toll free at (800) 683-0973 to speak to a branch representative during normal business hours, Monday through Friday from 9:00 AM – 5:00 PM.

How do I deposit money into my checking and/or savings account?
1st Mobile Deposit is a convenient way to deposit checks from your Apple or Android mobile device. It's fast, secure, and free for eligible 1st Security Bank customers!*

Visit one of our branch locations (some locations offer night-drop boxes for after-hours)
You can use any 1st Security Bank ACCEL/Exchange or MoneyPass Deposit-Sharing ATM
Set-up direct deposit if it’s offered by your employer
If you are a business customer, click here to learn about 1st Express Deposit. Contact Special Services at (800) 683-0973 to see if it may be an option for you.

*Message and data rates may apply. Airtime, roaming, data usage, and minutes of use may be billed by your mobile provider. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal.

How do I locate the closest 1st Security Bank ATM?
Click here for a list of 1st Security Bank branch and ATM locations.

How do I place a Stop Payment on a check?
You can request a stop payment on a personal check by calling your branch of account or visiting one of our branch locations during regular business hours. A fee may apply.

In order to place the stop payment, you will need to provide the following information: check number, date written, exact amount, and payee. If the amount and check number are not exact, the check may still be paid. The stop payment cannot be placed on an item that has already been presented. A stop payment with your authorized signature will be effective for six months. Stop payments initially placed by phone (without a customer signature) are valid for 14 days unless you provide us with a signature before this time period expires. A confirmation notice will be sent to you and we ask that you contact us if any information on the confirmation is not correct.

  • Visit or call your branch of account;
  • Reorder checks online if you use 1st Security Bank’s Online Banking. Once you log in, click on the Products and Services tab and follow the instructions;
  • Call Harland Check Services directly at (800) 355-8123 or visit them online at to place re-orders .

When looking at your check, your ABA routing number is the first set of nine (9) numbers listed on the bottom.

How do I apply for a loan through 1st Security Bank?
Simply call, apply online, or visit any one of our branch locations. We’ll be happy to help you every step of the way.

How do I get information about my existing loan with 1st Security Bank?
For general loan information, call us toll-free at (800) 683-0973. If you’re signed up for Online Banking with 1st Security Bank, you can view your loan information online 24-hours a day, seven days a week. If you’d like to sign up for Online Banking, click the Enroll button located in the top right corner of our website within the Online Banking login section and follow the prompts.

How do I sign up for automatic loan payments?
Download our Auto-External Transfer form. Then, simply mail or bring it to your local 1st Security Bank branch.

If I run out of loan payment coupons, does that mean my loan is paid off?
Not necessarily. Coupon books are ordered 60 coupons at a time. If you run out of loan coupons, please call (800) 683-0973, and we’ll order more for you.

What loan payment options do I have?

  • Login to online banking to make your payment, or click here to enroll in online banking, or
  • Sign up for automatic payments and take the worry out of mailing your payment in each month; or
  • If you have a checking or savings account, simply transfer money to your loan each month via Online Banking or 24-Hour Telephone Banking; or
  • Call us toll-free at (800) 683-0973, to make a payment by phone with your VISA® debit card or Mastercard® debit card, or checking account information. (A fee does apply), or
  • Set-up a recurring payment with your Online Bill Pay provider, or
  • Mail payments to:
    1st Security Bank
    PO Box 97000
    Lynnwood, WA 98046-9700

If you are requesting subordination on one of our loans, please click here.

How do I set up Text Message Banking?
You can enroll in Text Message Banking through your online banking profile. Log in to Online Banking and navigate to Additional Services, then to Alerts & Notifications and look for Text Message Banking.

How secure is Text Message Banking?
Our Text Message Banking service is secure. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.

Will I be charged for Text Message Banking?
We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.

Which carriers do you support?
Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service:

  • AT&T
  • Cellular One Dobson
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless

How do I deactivate the Text Message Banking service?
You can text STOP to us on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.

Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging. During setup, we will send you a text message with your activation code. Once initiated, you should receive a text message with your activation code within a few minute which you will need to type into the online banking prompt to complete enrollment and to verify your phone

What is a primary text banking account?
Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the one you will likely want to check most often. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.

Can I change the primary account selection later?
Yes, simply return to the Text Message Banking page and select another account from the primary text banking account drop-down list.

What commands or keywords can be used?
Use any of the following commands/keywords:

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $[fund amount] = Transfer specified fund amount to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

Are keywords case sensitive?
No, keywords are not case sensitive. For example, you can type “help” or “HELP.”

What is the number I should use to send the keywords?
The number is 454545. This number will only work if you have activated the Text Message Banking service.

I have a new mobile phone number. Can I change or add my number online?
Yes. You first need to deactivate your previous cell phone number within the Text Message Banking page, or text STOP to us. Then click Activate on the Text Message Banking page and set up the new cell phone number.

I share a joint account. Can I set up two mobile phones for the same primary account?
Yes. After you set up the first number, you can select the Activate another phone link on the Text Message Banking page and then complete the simple two-step process. Data plan not required. Standard text messaging charges apply.

How do I enroll for Online Banking?
To enroll in Online Banking, click the “Login” button located in the upper right corner of the website. In the page that opens, click on “First time user? register your account online” and follow the prompts.

What do I do if I forget my User ID and/or Password for Online Banking?
To recover your Password, click on the “Login” button located in the upper right corner of the website and then click on “Forgot Password?” and input your phone number and Username. Once this has been completed, your temporary password will be texted to you.

To recover your Username, click on the “Login” button located in the upper right corner of the website and then click on “Forgot Password?” and then click on “I forgot my username”. Once on the new page, input your email address and the system will email your username to the email we have on file.

Can I update my address online?
Yes. You can update your address by logging into online banking, clicking on “My Settings”, locating “Contact Information”, clicking “Edit”, inputting your new address and then clicking “Save”.

What can I do within Online Banking?
Once you login to Online Banking you can perform the following transactions:

  • View account balances, check images, and transaction history
  • Use Bill Pay to pay all your bills from one location
  • Open a new account
  • View Online Statements
  • Submit travel request notifications
  • Update your personal information such as phone number and address when you move
  • Pay your loan from a 1st Security Bank or external bank accounts
  • Send money to family and friends with Zelle®
  • View your whole financial picture in one place with Money Management

How can I enroll in Online Statements?
Enroll for free by clicking the Online Statements link within Online Banking. Click here to view a sample statement.

I'm locked out. How can I have my PIN reset?
If you’re in Secure Browser, click “Forgot PIN?” and you will be prompted to re-register through Secure Browser. If you’re an admin user, please call us at (877) 372-4249 for your activation code. If you’re not an admin user, please call your company admin user and have them retrieve your activation code for you.

If you’re logging in through a web browser, please call us at (877) 372-4249 for assistance with resetting your PIN.

How do I download Secure Browser?
You can download Secure Browser from the Business Online Banking login portal here: Cash Management Login

Where can I find more information about how to use Business Online Banking?
Comprehensive User Guides can be found in the File Vault after logging in to Cash Management Online Banking. You can also find the Secure Browser Installation and Registration Guide from our Help Center.

Why am I on the Cash Management platform when I don't have any Cash Management services?
The Cash Management platform is for customers who use cash management features such as ACH, Wires, and RDC, and also allows you the option for your company to use these services someday as your business continues to grow.

How can I add additional services like Bill Pay, RDC, Lockbox, or Positive Pay?
Contact your branch or Business Banker to request these services. They will go over details of the service, discuss any applicable fees and documents needed, and draw up the appropriate paperwork to be signed.

How can I make a tax payment?
Tax payments are now incorporated into the ACH payments module. If you need to make a tax payment, please call us at (877) 372-4249 so we can get your profile set up to send Tax Payments.

How can I access additional services like Bill Pay, RDC, Lockbox, or Positive Pay?
If you are registered in Secure Browser, all your entitled services will be available on the Apps page when you first log in to Secure Browser. If you have not registered in Secure Browser, you will access your additional services the same way you always have.

Can I set up an additional admin user?
Yes. Admin users are able to set up multiple users as admins. Admins in Business Online Banking have the ability to manage other users and the company’s accounts.

    What kinds of things can I do with the 1st Security Bank Mobile app?
    Lots of things! You can check your account balances, review transaction history, deposit checks, make transfers, send money to friends and family with Zelle®, and even pay your bills. You’ll also be able to search for our branch & ATM locations.

    What devices does the 1st Security Bank Mobile app work on?
    The 1st Security Bank Mobile app is designed to work with iPhones, iPads, and Android devices, which includes Kindle devices. Our app supports the mobile operating systems iOS 10 and 11, and Android v5.0 and higher.

    What if I have a Smartphone but I can’t get apps?
    If you have a phone with internet access but can’t download apps, you have a Windows phone, or you are using an unsupported mobile operating system, we recommend using our website It’s been optimized for mobile viewing and gives you the same functionality of the desktop site, but on your phone.

    Are there any fees for using the 1st Security Bank Mobile app?
    The 1st Security Bank Mobile app is available to download at no charge. There are no bank fees for using mobile banking services. (Standard data and text messaging charges from your mobile carrier may apply.)

    Do I need to sign up for online banking before using the 1st Security Bank Mobile app?
    Nope! If you aren’t already registered for online banking with 1st Security Bank, you can easily register via the mobile app. Just download the app and tap “Sign Up” in the lower left corner of the screen. The only requirements for using the mobile app are having an account or loan with us and having a mobile device.

    How do I log in to the app?
    After downloading and installing the 1st Security Bank Mobile app, you will be able to log in using your existing online banking username and password. If you aren’t already an online banking user, you can enroll now by opening the app and tapping “Sign Up” in the lower left corner of the screen. Once you’ve logged in, you can also set up the app to allow you to login via your fingerprint or facial recognition, whichever your device supports.

    Is it safe to access my bank information on my smartphone?
    Yes, very safe. The 1st Security Bank Mobile app uses 256-bit encryption, which means that neither your cell service provider, internet provider, nor anyone else is able to access the secured information as it’s sent to and from your device.

    What if I lose my phone? Will someone be able to find my login information on my phone?
    Secure banking login information is never stored on your device. If you lose your phone we suggest that you contact your cell service provider and report the lost phone so that it can be deactivated for your general protection.

    What if I forget to log out and later lose my phone? Could someone open the app later and have access to my information?
    The 1st Security Bank Mobile app has automatic inactivity logouts. If the application is inactive for 5 minutes, the session will time out and require you to log back in again before granting access to any information.

    What is 1st Mobile Deposit?
    1st Mobile Deposit allows you to deposit checks on the go using your smart phone or tablet. To access 1st Mobile Deposit, you will need to download the 1st Security Bank Mobile app from the Google Play or Apple App stores.

    Which mobile devices can support 1st Mobile Deposit?
    1st Mobile Deposit is available on any device that supports the 1st Security Bank Mobile app:

    • Android devices running Lollipop 5.0 or newer
    • iPhone/iPad running iOS10 or newer

    How do I access 1st Mobile Deposit?
    To access 1st Mobile Deposit, login to the 1st Security Bank Mobile app and click on “Check Deposit”, found on the bottom bar menu.

    You will then need to agree to the Mobile Remote Deposit Services agreement and be approved for mobile deposit before you can deposit checks. Approval for 1st Mobile Deposit may take up to one business day to complete.

    If you do not have the 1st Security Bank Mobile app installed, it can be downloaded from the Google Play or Apple App store.

    Can I deposit into my business account using 1st Mobile Deposit?
    1st Mobile Deposit is currently NOT available to Business Online Banking users.

    Is there a cost to participate?
    You can download the 1st Security Mobile app for free and there is no cost to deposit your check. However, refer to your mobile carrier's agreement for any data transfer fees.

    Can I deposit a foreign check?
    No, foreign checks in foreign funds or U.S. dollars are not accepted through the 1st Security Bank Mobile app. Please visit a branch to make your foreign check deposit.

    Is there a daily limit on the amount I can transmit?
    Yes, there is a daily 1st Mobile Deposit limit of $12,000.00.

    What accounts can I make a deposit to?
    You can make deposits to any 1st Security Bank consumer Checking or Savings account.

    Do I need to endorse the checks I am depositing via 1st Mobile Deposit?
    Yes, you must sign the back of the check and write, “For Mobile Deposit at 1st Security Bank”.

    Do I need to photograph both the front and the back of the check?
    Yes, legible images of the front and back are required. The application will walk you through the check image capture process.

    What do I need to do with the check(s) after I’ve deposited them?
    Retain each check for at least sixty (60) days after it has been submitted and accepted for deposit. After that, secure disposal by shredding is recommended.

    Do I need to include a deposit slip with my check?
    No, you do not need a deposit slip.

    What might cause my check deposit to be rejected?
    There are several possible reasons why a check may be rejected. Please review your check(s) carefully before depositing to prevent them from rejecting.

    Here are a few examples:
    Deposit amount is different than the check amount
    Unusable Image – Folded or torn corners, image is too dark
    Front or Back Image is not legible
    Check is Made Payable to a Third Party
    Missing or Improper Endorsement
    Missing payee(s) signature
    Missing additional endorsement for example, “For Mobile Deposit at 1st Security Bank”
    Missing both Payee Signature(s) and additional endorsement “For Mobile Deposit at 1st Security Bank”

    Can I view my transaction history via the 1st Security Bank Mobile app?
    Yes, you can view your transaction history for up to 6 months.

    Can checks be scanned and deposited twice?
    No, the application detects duplicates. Any rejected check deposits may not be re-deposited using the 1st Bank Mobile Deposit unless specifically stated otherwise in the rejection email notification from 1st Security Bank. Depending on the reason the check was rejected, you may be able to deposit the check in person at one of our 1st Security Bank locations.

    What hours is support available?
    You can contact 1st Security Bank at (800) 683-0973, Monday – Friday 9:00 AM – 5:00 PM

    How do I know that I can use my Apple or Android device to deposit checks?
    When you login to the 1st Security Bank Mobile app and click the “Deposit Checks” menu, you will be prompted to review and agree to the Mobile Remote Deposit Services Agreement. You will then be able to deposit checks immediately. If you receive an “Access Denied” message, please contact your local branch for assistance.

    What is Zelle®?
    Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.2 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1

    Who can I send money to with Zelle®?
    You can send money to friends, family and others you trust.1

    Since money is sent directly from your bank account to another person's bank account within minutes,2 it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

    How do I enroll and use Zelle®?
    To get started, log in to Online Banking or open the 1st Security Bank Mobile app and navigate to the "Send Money With Zelle®" tab. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle®.

    To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.2

    To request money using Zelle®, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request."3

    To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

    Someone sent me money with Zelle®, how do I receive it?
    If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.2

    If you have not yet enrolled with Zelle®, follow these steps:

    1. Click on the link provided in the payment notification you received via email or text message.
    2. Select 1st Security Bank.
    3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

    What types of payments can I make with Zelle®?
    Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

    Since money is sent directly from your bank account to another person's bank account within minutes,2 Zelle® should only be used to send money to friends, family and others you trust.

    Neither 1st Security Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

    How do I get started?
    It's easy — Zelle® is already available within the 1st Security Bank Mobile app and Online Banking under Move Money! Check our app or sign in to Online Banking and follow a few simple steps to enroll with Zelle® today.

    What if I want to send money to someone whose financial institution doesn't offer Zelle®?
    You can find a full list of participating banks and credit unions live with Zelle® here.

    If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

    To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

    How does Zelle® work?
    When you enroll with Zelle® through your Online Banking account or the 1st Security Bank Mobile app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with 1st Security Bank).

    When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies 1st Security Bank of the incoming payment. 1st Security Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

    Can I use Zelle® internationally?
    In order to use Zelle®, the sender's and recipient's bank accounts must be based in the U.S.

    Can I cancel a payment?
    You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

    If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

    If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call our customer service team at (800) 683-0973 so we can help you.

    Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by 1st Security Bank but are a separate service from Zelle® and can take one to three business days to process.

    You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

    How long does it take to receive money with Zelle®?
    Money sent with Zelle® is typically available to an enrolled recipient within minutes.2

    If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.2

    If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

    If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

    Still having trouble? Please contact our customer support team at (800) 683-0973.

    Will the person I send money to be notified?
    Yes! They will receive a notification via email or text message.

    Is my information secure?
    Keeping your money and information safe is a top priority for 1st Security Bank. When you use Zelle® within the 1st Security Bank Mobile app or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

    I'm unsure about using Zelle® to pay someone I don't know. What should I do?
    If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

    These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither 1st Security Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

    What if I get an error message when I try to enroll an email address or U.S. mobile number?
    Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team at (800) 683-0973 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through the 1st Security Bank Mobile app and Online Banking. Please call our customer support team at (800) 683-0973 for help.

    1 Must have a bank account in the U.S. to use Zelle®.
    2 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
    3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    Copyright © 2022 1st Security Bank. All rights reserved.

    What types of outside accounts can I add?
    You can add checking and savings accounts, credit cards, loan and mortgage accounts, and retirement accounts.

    Is there a charge for using the service?
    No. Money Management is a complimentary service provided to all our customers.

    Is it safe to connect all my accounts to the same place?
    Yes. Money Management uses military-grade encryption to protect and safeguard your personal information.

    Can I make loan payments from my outside accounts through Money Management?
    No. Money Management does not currently offer the option to make payments from your outside accounts, but you can easily set up loan payments through online banking by going to “Make a Loan Payment,” then “From Another Bank Account”.

    What kinds of things can Money Management do?
    Money Management can help you take control of your financial life by linking all your accounts in one place, helping you create a budget, identifying spending categories and trends, allowing you to set up financial goals and recognizing the most effective way to pay off debt.

    Can I access Money Management from my phone or tablet?
    Yes! You can access Money Management using our mobile website.

    Can Money Management send me account notifications?
    Yes! You have the option to have email or text notifications sent to you. You can select which types of notifications you want to receive and even customize them to your preferences.

    Why can't I add my accounts from certain banks or credit unions?
    Banks or credit unions that utilize complicated security preferences, such as CAPTCHA or picture passwords, may stop Money Management from being able to connect and importing your account information.

    What is Shared Access?
    Shared Access provides the ability for consumer Online Banking customers to grant trusted individuals controlled access to their accounts in Online Banking, without sharing personal login information. Access can be limited to certain amounts, transaction types or to ‘view only’ access.

    Who can use the Shared Access service?
    All consumer customers enrolled in Online/Mobile Banking can use this service.

    Will there be a cost for Shared Access?
    There are no additional fees for using the Shared Access feature.

    How do I enroll for the service?
    Shared Access can be found under the 'Additional Services' tab in Online Banking, or by using the 1st Security Business app.

    Can Shared Access be utilized from the 1st Security Bank Mobile app
    No, not currently. Shared Access for both online banking customers and sub-users is solely available through the desktop application and the optimized mobile application.

    How do I add a sub-user?
    Once signed into your online banking account, hover over or click on “Additional Services” menu in the main navigation, and click the link called “Share access with others.” This link will take you to the page where you can add sub-users and manage their permissions.

    You will be re-directed to the mobile website when attempting to use the ‘more’ menu and ‘shared access’ option via the mobile app. Once on the browser version of the mobile device, follow the standard web instructions.

    What happens once I add a sub-user?
    Once you save the sub-user, they will receive an email at the address you provided for them with directions on how to setup their account. Once they activate their account, the date of their most recent login will be displayed next to their name on the access management page.

    What will my sub-users be able to access?
    Sub-users will only be able to see accounts to which you granted them access on the initial setup. t, Sub-users can only see accounts and information on which they have delegate authorization assigned by you. They can see balances and transaction history, check and deposit images print and download the transaction history. Sub-users will be able to make transfers and bill payments from accounts if you authorize them to do so. The sub-user will not be able to access Money Management, Purchase Rewards, Online Statements, or other pages within Online Banking. They will also be unable to access your account using the Bank’s smartphone application although they can use the optimized web version on their smartphone.

    What type of payments can I delegate?
    If you’re enrolled in Bill Pay, you’ll have the ability to delegate limited access to the sub-users.

    I want to grant bill pay access to a particular account, but the permission is not showing up in the list for that account. Why is this?
    The bill pay permission will only display for accounts that you have already setup as bill pay funding accounts. If you want to grant bill pay permissions to an account that is not currently a funding account, you must first go to the bill pay page and add this account as a funding account and then attempt to add a sub-user again. The bill pay permission should then show for this account. Please note that you cannot setup external funding accounts in bill pay, and therefore cannot grant access to any external account to your sub-users.

    Can I place a limit on the amount of money my sub-users can pay?
    Yes, you can limit the amount of money a sub-user can move. When you grant permissions for an account, you will be prompted to enter a transaction limit. You cannot grant limited access without defining transaction limits. Any transactions submitted by the sub-user that exceed this limit will require your approval before they process.

    Can I place a limit on the amount of money my sub-users can move between internal accounts?
    No, when the transfer permission is given to any sub-user, the sub-user will not have limitations on how much can be transferred between internal accounts

    Where do I go to approve transactions submitted by a sub-user?
    You can approve sub-user transactions on the same page where you manage their permissions. To access this page, login to your account and under the “Additional Services” menu, click on the “Share Access with Others” link. The transactions that require your approval will be displayed at the top of this page with buttons to approve or deny the transactions.

    I see the “Approval Needed” icon next to bill pay transactions on the home page, but I don’t see these payments on the bill pay page. Why is this?
    Transactions that are pending approval do not show up on the main bill pay page. However, they will show up with a status of PENDING on the bill pay transaction history page. Transactions that are approved by the account holder will show up as normal scheduled payment on the main bill pay page. Transactions that are declined by the account holder will not be displayed on the bill pay page.

    Will I be notified when my sub-user performs a transaction?
    You will not be notified when the sub-user makes transfers. If you have given the sub-user access to make payments, you will be notified via email when they submit transactions.

    I granted transfers permission, but my sub-user cannot make a transfer. Why?
    To make account transfers, you must grant sub-user transfers permission to both the “to” and the “from” accounts. It’s possible that the sub-user cannot make transfers between the accounts that you intended them to transfer between because you did not grant transfers permissions for one of those accounts.

    Can I give a sub-user access to specific accounts?
    Yes, you can do this by granting either view only or transfer/payment permissions to the set of accounts you want the sub-user to see and access.

    Can I prevent a sub-user from making transfers between my accounts?
    Yes, you can prevent transfers between accounts by only giving the sub-user view only access to an account.

    Can I edit my sub-user’s account information such as their email address, phone number, username, or password?
    You can edit the sub-user’s name, email address, phone number, and permissions by clicking the “update profile” link under options. Options can be found next to their name on the Access Manager page. You can reset the sub-user’s password; however, you cannot change a sub-user’s username or password. The sub-user must do this by logging in and making these changes in My Settings.

    Can I cancel a sub-user’s access to my accounts?
    Yes, and at any time. Go to the page where you gave them access, find their name, look at the Access slider, and change the permission from “Yes” to “No.” Doing this will revoke all sub-user access and prevent them from logging into Online Banking altogether.

    What if I can’t get to my computer right away to cancel a sub-user’s access?
    Call 1st Security right away at (800) 683-0973 and a 1st Security Representative can act on your sub-user on your behalf. They can put the sub-user on hold – this will prevent the sub-user from logging into Online Banking.

    What if my sub-user forgets their username or password?
    The sub-user can easily reset their password or retrieve their username using the links on the Online Banking login page. Additionally, you as the account holder can reset your sub-user’s password for them. If you are not able to assist your sub-user, you may call 1st Security and provide a 1st Security Representative with verbal permission to reset the sub-user’s password. Please note that sub-users cannot call 1st Security Bank with this request since they cannot be fully verified.

    Other Questions

    What is a digital wallet?
    A digital wallet lets you add and store your credit or debit card info on your mobile devices to use in stores, online or in apps without having the card physically with you.

    Which 1ST cards are eligible to use in a digital wallet?
    Consumer Debit Cards, Business Debit Cards, 1st Debit Design Cards, temporary Debit Cards, HSA Cards, Consumer Credit Cards, Business Credit Cards and CWU Credit Cards are all eligible for use in a digital wallet.

    Which digital wallets can I use?
    You can use your card on your mobile device, online or within apps using the following digital wallets:

    • Apple Pay®
    • Google Pay™
    • Samsung Pay®

    What are the benefits to storing my cards in a digital wallet?

    • Storing your card in a digital wallet allows you to make purchases with more security and convenience.
    • Your card or account information is not shared with businesses when you make in-store or in-app purchases using your mobile device wallet.
    • Quickly make purchases in stores, online or in apps using your desktop, mobile phone or smartwatch.
    • No fees apply when using a 1st Security card for digital wallet purchases.

    Message and data rates may apply.

    How will my information stay safe?

    • When activating your card – specific steps are used that may require you to perform additional validation to verify that the person adding the card to the digital wallet is indeed you. You will be asked to call 1 (844) 646-5465 in the event additional validation is needed.
    • Merchants will not have access to your physical card number; they will receive the unique virtual card number called a Token that is associated with your debit or credit card.

    What if my phone is lost or stolen?
    If your device is lost or stolen, you can either:

    • Contact us at (800) 683-0973. We will suspend the use of the Token assigned to your card within your digital wallet.
    • You can temporarily turn your card off through your CardValet app on another device, such as an iPad or tablet.

    What is 1st Debit Design?
    Your card, your way! You are able to customize your debit card by uploading a personal photo from your digital collection that will appear on the front of your card. Don’t have a photo? We also offer our own image gallery for you to select a photo from.

    Who is eligible to receive a customized card?
    1st Security Bank customers with active consumer checking accounts are eligible to order a customized debit card.

    How much does this service cost?
    Nothing! There is no charge when using 1st Debit Design to personalize your 1st Security Bank debit card.

    Will my customized card have the same card number as my existing debit card?
    No, your 1st Debit Design card will have a new number. You will need to provide your NEW debit card number to any merchants you have authorized to charge recurring transactions to your card (such as cable or internet service).

    I have a business account; can I customize the image on my business debit card?
    No, at this time 1st Debit Design is only available for non-business debit cards.

    How do I create my customized card?
    Visit the Create My Card page and follow these simple instructions:

    1. Click on ‘Upload Your Image” or select an image from our gallery.
    2. Upload the photo you would like on your debit card from your computer. You can upload multiple photos to experiment and decide which one you like best.
    3. Customize the look of your card by rotating, resizing and moving the photo.
    4. When you are satisfied with the look of your card, select “Next”.
    5. You will be asked to input your information and have a final look at your card.
    6. Select ‘Submit”
    7. You’re done!
    8. Once approved, you will receive your 1st Debit Design card in 7-14 business days.

    Can I upload a photo from my mobile device?
    1st Debit Design card orders are not supported on mobile devices at this time.

    I already have an existing 1st Security Bank Debit Card, what will happen to my old card?
    You will receive a new custom debit card in the mail with a new card number. Your existing card will be closed 30 days after your new custom debit card has been ordered.

    How do I activate or set a PIN for my custom card?
    Just like your old debit card, you can call our toll-free Card Self-Service IVR at (800) 992-3808 anytime to activate and set a PIN for your new custom debit card.

    Can I change the image on my 1st Debit Design card?
    Yes, you can change the image on your card as often as you like. A $10 fee will be assessed to the account associated with the card each time it is customized after your first personalization.

    Can I have a different card design than my joint cardholder or authorized user?
    Yes, each cardholder can have the image of their choice on their card.

    Am I able to change back to a standard issued card if I currently have a custom card?
    Yes, you can simply request a standard issued card to replace your custom card by contacting your local branch. There is no charge to change your card back to our standard debit card.

    If my 1st Debit Design card was lost or stolen, can I change the image on the card for free?
    There is no charge to get a replacement card with the same image as the one being replaced. However, if you are requesting a different image on your replacement card, the cost is $10.00.

    When my 1st Debit Design card expires, will my replacement card still have my customized image?
    Yes, upon expiration, any reissued cards will have the same image as your most recent card if no image updates have been made within the last two months (60 days) prior to your card’s expiration date.

    When will I receive my 1st Debit Design card?
    Your image will be approved within 1-2 business days from when the order was placed. You should receive your card in the mail within 7-14 business days. Upon receipt of your new card, please update any merchants you’ve authorized to charge recurring transactions with your new card number and destroy your old card.

    Do I have to be enrolled in online banking to place a 1st Debit Design card order?
    No, you may order a 1st Debit Design card directly from our website.

    My image will not upload, what do I do?
    Check the size of your image. The image size must be a minimum of 840x840 pixels and no larger than 10 MB (megabytes).

    Who do I contact if I still need assistance ordering my 1st Debit Design card?
    Contact your local branch during business hours at (800) 683-0973.

    Can I retouch my uploaded image?
    All image retouching must be completed prior to uploading the photo. However, you can adjust the scale, rotation, and the position of the image once it has been uploaded.

    What if the image I submit is denied?
    If your image is rejected, you will receive an email notification from 1st Security Bank within two business days. You are welcome to submit a new image at any time. 1st Security Bank may restrict your access to this service if you continue to submit images that violate the Card Image Guidelines.

    Where does the digital photo need to be stored in order for it to be uploaded?
    Your photo should be stored somewhere on the hard drive of your computer from where it can be uploaded to the card designer site.

    What if I do not have a digital photo? Can I send a hard copy?
    No, custom images can only be created through submission online. We have many images in our gallery available for you to choose from.

    Are there any monthly or annual maintenance service fees for having a 1st Security Bank debit card?
    No, there are no monthly or annual enrollment or usage fees for having a 1st Security Bank debit card.

    Can I use my 1st Security Bank debit card for purchases without paying interest charges?
    Absolutely. Since the money for your purchases comes directly from your checking account, there are no interest charges.

    How do I change the password/PIN on my debit or ATM card?
    Our customers now have the convenience of selecting/changing their PIN via the Card Self Service IVR. The toll free Card Self Service IVR number, (800) 757-9848, is located on the sticker of a new or reissued card. To change the PIN simply select the option for 'Select NEW PIN' and follow the instructions given. Customers can also visit a 1st Security Bank ATM to perform a PIN change.

    How do I keep track of my purchases?
    All transactions made with your 1st Security Bank debit card are listed on your monthly account statement. The more you use your card for everyday purchases, the easier it can be to track expenses and manage your budget. Each transaction shows the merchant name or location, the date of purchase and the amount spent.

    How is my 1st Security Bank debit card different from a credit card?
    Your 1st Security Bank debit card is not a credit card, so you’ll never pay finance charges. Each purchase amount is deducted directly from your checking account and the details are on your monthly account statement.

    What should I do if my 1st Security Bank Visa® debit card becomes lost or stolen?
    Call your local branch during business hours at (800) 683-0973. After business hours, please call (800) 472-3272.

    What do I do if I find an erroneous charge on my account?
    We recommend that you contact the merchant directly to resolve the discrepancy. All participating merchants in the Visa® network are bound by rules and regulations as it applies to consumer inquiries and investigations. If you are unable to resolve the issue directly with the merchant, you can file a dispute by logging into your Online Banking account, calling (800) 683-0973 during business hours, or by visiting your branch of account. We will need to know the steps you have taken to resolve the issue before we can intercede on your behalf with Visa®.

    What should I do if I plan to travel internationally and want to use my debit card?
    To prevent an interruption to your debit card access, please call your local branch office to have the travel dates notated on your account. Please be prepared to provide a list of specific countries that you will be visiting. In order to protect your account from possible fraud, we will open your card for use only in the specific countries you advise for the time frame you plan to travel.

    How do I file a debit card dispute?

    Cardholder Dispute Resolution

    Business Cardholder Dispute Resolution

    What is EMV?
    EMV chip technology – originally developed by Europay, MasterCard and Visa (EMV) – is now the global standard for credit and debit card payments. It is a fraud-reducing technology that can help protect issuers, merchants and consumers against losses from fraud transactions resulting from theft, skimming and counterfeiting.

    What is changing?
    The goal in the U.S. is that all debit and credit cards will be issued with chips and that all merchants will convert to chip-enabled terminals. While the full process will likely take a few years, this combination is expected to significantly reduce card fraud at point-of-sale transactions, which has been the case in other countries that have already converted to chip cards. Chip cards already are in use in most of the rest of the world.

    How does the chip technology work?
    Your EMV-enabled device will communicate with the chip inside the customer’s chip card and the payment networks to verify the card and authorize the transaction. Each transaction uses a one-time unique code that can’t be used again. This makes stolen transaction data virtually useless to fraudsters.

    This process enhances the authentication of both the card and the customer, reducing the possibility that your business will accept a counterfeit card or be held liable for a fraud-related chargeback.

    How could my business be held liable?
    As of 10/1/2015, if the customer paying at your terminal has a chip card but has to use the magnetic stripe on the back of the card to make the purchase, liability for counterfeit fraud can shift from the issuing bank to the business’ acquirer – who may then pass this fee back to the merchant. This shift in liability encourages chip adoption since chip card transactions on chip enabled terminals provides the additional authentication data that helps to better protect all parties.

    The opposite holds true for issuers. If a counterfeit magnetic strip card is used on a chip enabled terminal, the liability for the counterfeit fraud remains the responsibility of the card issuer.

    Are merchants required to switch to chip-enabled terminals?
    No, it’s not a requirement but it could be costly if they don’t. That’s because of the above mentioned liability shift.

    Are there other reasons merchants should have chip-enabled terminals?
    Customers have become increasingly concerned about the security of card payments as they hear more about data breaches and the potential for credit and debit card fraud. In countries where chip cards and chip-enabled terminals have been in use, the incidence of card-present fraud has fallen. Knowing that their transactions and account information are more secure is reassuring to cardholders. The prospect of reducing the costs of card-related fraud should also be an incentive to merchants.

    Are deposits at 1st Security Bank covered by the FDIC?
    Yes. 1st Security Bank is a member of the FDIC, and we display our membership at each of our branch locations.

    How can I be sure my accounts are adequately covered by the FDIC?
    The best way is to stop by a 1st Security Bank branch and sit down with one of our branch staff and review your accounts to ensure you are maximizing your coverage. Also, the FDIC website features an Electronic Deposit Insurance Estimator that can help you determine if you have adequate deposit insurance for your accounts.

    How can I keep my deposits within FDIC insurance limits?
    If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank or savings association, you do not need to worry about your insurance coverage — your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured provided the accounts meet certain requirements. In addition, federal law provides for insurance coverage of up to $250,000 for certain retirement accounts.

    Is it possible to have more than $250,000 at one insured bank and still be fully covered?
    You may qualify for more than $250,000 in coverage at one insured bank or savings association if you own deposit accounts in different ownership categories. The most common account ownership categories for individual and family deposits are single accounts, joint accounts, revocable trust accounts, and certain retirement accounts.

    What are the basic FDIC coverage limits?*

    Single Accounts (owned by one person):

    $250,000 per owner

    Joint Accounts (two or more persons):

    $250,000 per co-owner

    IRAs and certain other retirement accounts:

    $250,000 per owner

    Revocable trust accounts:

    Each owner is insured up to $250,000 for the interests of each beneficiary, subject to specific limitations and requirements

    * These deposit insurance coverage limits refer to the total of all deposits that account holders have at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.

    What is a joint account?
    This is a deposit account owned by two or more people and titled jointly in the co-owners’ names only, with no beneficiaries. If all co-owners have equal rights to withdraw money from a joint account, a co-owner’s shares of all joint accounts at the same insured bank are added together and the total is insured up to $250,000. Note that jointly owned revocable trust accounts are not included in this ownership category.

    If a couple has a joint checking account and a joint savings account at the same insured bank, each co-owner’s shares of the two accounts are added together and insured up to $250,000 per owner, providing up to $500,000 in coverage for the couple’s joint accounts.

    Example: John and Mary have three joint accounts totaling $600,000 at an insured bank. Under FDIC rules, each co-owner’s share of each joint account is considered equal unless otherwise stated in the bank’s records. John and Mary each own $300,000 in the joint account category, putting a total of $100,000 ($50,000 for each) over the insurance limit.

    Joint Account Example

    Account Title

    Type of Deposit

    Account Balance

    Mary and John Smith



    Mary or John Smith



    Mary Smith or John Smith



    Total Deposits


    Insurance coverage for each owner is calculated as follows:

    Account Holders

    Ownership Share

    Amount Insured

    Amount Uninsured













    • Mary’s ownership share in all joint accounts equals $300,000 [1/2 of the checking account ($25,000), 1/2 of the savings account ($75,000), and 1/2 of the CD ($200,000), for a total of $300,000]. Since her coverage in the joint ownership category is limited to $250,000, $50,000 is uninsured.
    • John’s ownership share in all joint accounts is the same as Mary’s, so $50,000 is uninsured.

    What is a single account?
    This is a deposit account owned by one person and titled in that person’s name only, with no beneficiaries. All of your single accounts at the same insured bank are added together and the total is insured up to $250,000. For example, if you have a checking account and a CD at the same insured bank, and both accounts are in your name only, the two accounts are added together and the total is insured up to $250,000. Note that retirement accounts and eligible trust accounts are not included in this ownership category.

    What is covered by the FDIC?
    Savings, checking, and other deposit accounts, when combined, are now insured to $250,000 per depositor in each FDIC-insured bank or thrift. In addition, individual depositors may qualify for more than $250,000 of coverage at one bank if they hold deposits in different categories of ownership, such as single accounts, joint accounts, or revocable trust accounts. Also, the FDIC generally provides separate coverage for retirement accounts, such as individual retirement accounts (IRAs) and Keoghs, insured up to $250,000.

    The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if you purchased these products from an insured bank or savings association.

    What is the FDIC?
    The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. The FDIC receives no Congressional appropriations – it is funded by premiums that banks and thrift institutions pay for deposit insurance coverage. Since the start of FDIC insurance on January 1, 1934, no depositor has lost a single cent of insured funds as a result of a failure.