Are my IRA's insured by FDIC?
Yes. IRA’s are insured up to $250,000.00 per owner, per FDIC insured bank. If you hold one or more IRA’s in one bank then all IRA’s are added together and insured up to the $250,000.00. Please visit or call one of our convenient Southern Indiana locations or visit www.fdic.gov/EDIE/
for further information.
Back to Top
Can I contribute to one or more IRA types such as, Traditional or Roth?
An individual can establish or contribute to more than one type of IRA, but the annual contribution cannot exceed the maximum allowable contribution or 100 percent of compensation.
Back to Top
What is an IRA Transfer?
A transfer occurs when the IRA funds are directly transferred from one institution to another institution. There is no IRS reporting.
Back to Top
What is an IRA Rollover?
A rollover occurs when IRA funds are directly paid to the customer. The customer has 60 days following the date funds are received to roll the IRA funds into same type of IRA. Rollover transactions are reportable to the IRS.
Back to Top
What is the deadline for IRA contributions?
Contributions made to an IRA for any tax year must be made by the due date (excluding extensions), which usually is April 15th. If April 15th falls on a weekend or holiday, the deadline will change to the next business day.
Back to Top
What if my Debit Card is lost or stolen?
Report it immediately to the Lost/Stolen Card Division at 1-800-528-2273.
Back to Top
Can I change my Debit Card limits by phone?
No, please visit one of our convenient Southern Indiana locations to sign the required form.
Back to Top
I’m going on vacation and plan on using my Credit Card or Debit Card, should I notify the bank?
Yes, to avoid the possibility of your card being blocked due to unusual activity.
Please have the following information ready:
- Name as it appears on the card
- Card number
- Dates of travel
- Places of travel
- Phone number in case of any questions about transactions
Credit Card customers should call 1-800-367-7576 to report travel plans.
Back to Top
Can I activate my Debit Card by phone?
Yes. Debit cards may be activated by calling 1-877-296-2736. You must know your existing PIN to complete the activation. If you do not know your existing PIN, please visit any of our convenient locations and apply for a new one.
Back to Top
What are my options for making a Credit Card payment?
- Online – www.cardaccount.net
- By Phone – 1-800-367-7576
- Mail Payment to:
Card Service Center
P.O. Box 569100
Dallas, TX 75356-9100
- Make your payment at any of our convenient Southern Indiana locations
- Set up your payment through online bill pay
Back to Top
How can I access Credit Card account information after bank hours?
- Online – www.cardaccount.net
- By Phone – 1-800-367-7576
Back to Top
I called Direct Teller and it doesn't work?
- Make sure you are using the STAR (*) button on your phone and not the Pound (#) button.
- Use only 10 digit account number.
- If you still experience difficulty, call any Bank branch for assistance.
Back to Top
How do I change my direct deposits and close my previous checking account to SWITCH BANKS
Switching is as easy as 1...2...3!!! You will be provided with a SWITCH KIT which includes Account Closing Forms to get your previous account closed and Change Forms to change your direct deposits. Please contact one of our convenient Southern Indiana locations or (Click here to print a Switch Kit)
Back to Top
What are the current rates on products offered by the Bank? Can I obtain that information online?
We do not offer rates on-line due to constant market fluctuations. Please contact one of our convenient Southern Indiana locations for current rate information.
Back to Top
How can I set up direct deposit to my account?
To set up direct deposit (ACH) through your employer, provide them with the bank's routing number, bank name, and your account number. If it is a direct deposit from Social Security, please contact Social security at 1-800-772-1213.
Back to Top
Do I need a Safe Deposit Box?
If you have any of the below mentioned irreplaceable items, you probably need a safety deposit box.
* Wedding Video
* Passports
* Birth Certificates
* Income Tax Returns
* Stock Certificates
* Family Photographs
* Insurance Contracts
* Will
* Heirloom Jewelry
* Marriage Certificate
* Property Deeds
* Social Security Cards
* Military Records
* Important Keys
* Rare Coin
* Home Inventory Video
* Your Children’s Artwork
* Military Medals
Back to Top
How can I notify the bank that I have a change of address?
You may change your address by completing any of the following:
1. You may stop by any of our convenient Southern Indiana locations and complete a change of address form.
2. You may print off the Change of Address form, complete and send to any of our convenient Southern Indiana locations.
Back to Top
Are my accounts FDIC insured for their total value?
No.
Please visit:
www.fdic.gov/EDIE/
and use the calculator to determine your level of insurance.
Back to Top
