Frequently Asked Questions

You can open a new account online through our website, in person at any branch location, or by calling our customer service. You'll need valid identification, proof of address, and an initial deposit. The process typically takes 10-15 minutes online.

If your card is lost or stolen, contact us immediately using the number on the back of your card or our 24/7 customer service line at +1 (212) 555 0100. We will deactivate your card to prevent unauthorized use and issue a replacement card, which will arrive within 7-10 business days.

Our checking accounts have no monthly maintenance fees with direct deposit or maintaining a minimum balance of $500. Savings accounts have no monthly fees. Business accounts may have service fees based on account features and transaction volume. Please refer to our Rates & Fees page for detailed fee schedules.

Yes, our online banking platform allows you to view account balances, transfer funds, pay bills, download statements, and more. You can also use our mobile app for convenient access on the go. Sign up for online banking through our website or visit a branch.

With our mobile banking app, you can deposit checks remotely using your smartphone's camera. Simply endorse the check, open the app, select "Deposit Check," and follow the prompts. Funds are typically available within 1-2 business days. You can also deposit checks at any of our branch locations or ATMs.

Two-factor authentication (2FA) adds an extra layer of security to your accounts by requiring two different types of identification before granting access. After entering your password (something you know), you'll need to provide a second factor such as a code sent to your mobile device (something you have) or a biometric scan (something you are). This significantly reduces the risk of unauthorized access even if your password is compromised.

If you notice any unauthorized transactions or suspicious activity on your account, contact our fraud department immediately at +1 (800) 555 0199. You can also report fraud through our secure messaging system in online banking. We recommend reviewing your account statements regularly and setting up account alerts to monitor your account activity.

Some of our cards charge foreign transaction fees (typically 3% of the transaction amount), while others, like our Rewards Card, have no foreign transaction fees. Please review the terms and conditions for your specific card or visit our Credit Cards page for detailed information about each card's features.

You can redeem your credit card rewards through our online banking portal or mobile app. Log in to your account, navigate to the rewards section, and choose from available redemption options such as statement credits, gift cards, travel bookings, or cash back. Rewards redemption minimums and options vary by card type.

Personal loan requirements include being at least 18 years old, a U.S. citizen or permanent resident, having a steady source of income, and meeting our credit score criteria (typically 650+ for unsecured loans). You'll need to provide personal information, employment details, and financial information. Approval amounts and rates depend on your creditworthiness.

To improve your credit score: 1) Pay all bills on time, 2) Keep credit card balances low (under 30% of your limit), 3) Avoid opening too many new accounts at once, 4) Maintain a mix of credit types, 5) Check your credit report regularly for errors and dispute any inaccuracies. Building good credit takes time and consistent responsible financial behavior.