Frequently Asked Questions

Auto Loans

Home Buying

  • What are the various closing costs involved in a mortgage transaction?
  • How much home can I afford?
  • Will I need hazard/homeowners insurance?


  • What is a Traditional IRA?
  • What are the benefits of having a Traditional IRA?
  • How many Traditional IRA accounts may IRA account holder have?
  • Who is eligible to make Traditional IRA contributions?
  • What are the contribution limits for a Traditional IRA?
  • When must IRA holders being taking their money out of their Traditional IRA?
  • What is a Roth IRA?
  • Who is eligible to contribute to a Roth IRA?
  • What are the contribution limits for a Roth IRA?
  • What is the deadline for contributions to a Roth IRA?
  • Can spousal contributions be made to a Roth IRA?

Checking Account

  • Why should I open a checking account?
  • How much does a checking account cost?
  • What do I need to open an account?
  • What is Bill Pay?
  • Can kids get checking accounts?
  • Are checking accounts FDIC Insured?
  • When will I get my checking account statement?
  • What is Direct Deposit?
  • Is Direct Deposit required with your checking accounts?
  • How do I change my legal name?
  • How do I order (or reorder) checks?
  • How can I avoid monthly service fees?
  • What is an Overdraft Fee?

Debit Card

  • If I have a debit card, why do I need checks?
  • What is a debit card? Is it a credit card?
  • Do I get a debit/check card with my account?
  • How do I get a Visa® Debit Card?
  • Can I use my debit card like a credit card and pay a little each month?
  • What do I do if my debit card is lost or stolen?
  • When and where can I use my Visa® Debit Card?
  • Will my Visa® Debit Card purchases show on my monthly checking statement?
  • What is the daily spend-limit on my Visa Debit Card?

Savings Account

  • Are there transaction limits?
  • How is interest paid?
  • How is interest calculated?
  • What is the minimum opening deposit?
  • Is there a balance required to avoid the regular monthly service charge?
  • Are Savings accounts FDIC Insured?