Q Are CountryBank USA deposit accounts FDIC insured?
A Yes! Each individual customer at CountryBank USA is insured by the FDIC up to $100,000.
Q How do I set up Direct Deposit of my payroll check?
A After your CountryBank USA checking application has been approved, you will receive CountryBank USA's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
Q How do I set up Direct Deposit of my Social Security check?
A After your CountryBank USA checking application has been approved, you will receive CountryBank USA's routing and transit number and your account number. You may call the Social Security Administration at 1-800-772-1213 and provide your Social Security Number and account information to establish direct deposit right over the phone.
Q Can I get information about my account by phone?
A Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our CountryLine telebank, for automated account information 24 hours a day.
Q What products can I apply for online?
A Check out CountryBank USA's Personal Services section to see which accounts you can apply for online.
Q Can businesses have accounts at CountryBank USA?
A Yes! CountryBank USA offers business loan and deposit products. To see what we currently offer, check our Business Services section. However, CountryBank USA currently offers only personal loan applications through the Internet. If you would like a business loan application, or additional information on the business products and services we offer, simply contact us.
Q Does CountryBank USA offer IRAs online?
A Currently, CountryBank USA does not offer IRAs online; however, we continually update our Personal Services section so check back with us soon! Please contact us for our current IRA products and rates.
Q Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A At this time we only accept applications from persons residing within the United States with valid US tax identification numbers. If you have questions, contact us. We'd love to hear from you.
Q Is interest paid on CountryBank USA checking accounts?
A Yes! Our CountryFree Checking pays interest anytime your account balance is $500 or greater. If you want an account that pays an even higher market rate of interest, check out our CountryMarket Account.
Q Can I do all of my banking with CountryBank USA?
A Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.
Q Can I look at all of my transactions at any time?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week! Transaction history for your account will build for two years, but any transactions you made prior to signing up for online banking will not be available. Contact us if you need prior transaction history.
Q Are wire transfers possible to and from my CountryBank USA checking account?
A Yes! Funds can be transferred to and from CountryBank USA accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. CountryBank USA also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.
Q Can I reorder checks online?
A Yes, personal checks may be reordered online, and the status of recent check orders may also be accessed. We've attached a link to Deluxe, our check vendor, in our Personal Services section. Click here to order checks.
Q How do I access Online Banking?
ATo view our demo, go to www.countrybankusa.com, click on “eCountry Online Banking” and then click on “Demonstration”. If you have already signed up
for Online Banking and received an e-mail confirmation that your account is
ready for use, just go to the “Online Banking” and click on the “eCountry
Log-in” screen. Please note: when asked for your User ID enter your
social security number without any dashes. This will always be your User
ID.
Q How frequently is my CountryBank USA information updated?
A CountryBank USA updates all customer information nightly. Whether you access our Online Banking or do banking in our office, your account information is updated nightly to reflect all account activity.
Q How does bill payment work?
A To help you understand the process, we have provided a diagram.
Q How long does it take to set up a new payee in the bill payment system?
A Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.
Q Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.
Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.
Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.
Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.
Q I'm still hesitant about banking online. Can other people see my account information?
A Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.
Q What about filling applications out online? How secure is that?
A Filling out applications online is as secure as the Online Banking System. Your entire session, from beginning to end, is encrypted. Our system supports 128-bit encryption, so you can also use the latest browser from Netscape or Microsoft that supports this security level. In fact, the highest encryption Netscape and Microsoft browsers support is 128-bit, so you will be using the highest bit encryption currently available if you use a 128-bit encryption capable browser.
Q I keep hearing a lot about encryption? What exactly is it, and why does it make everything more secure?
A Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key, which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, and then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.
Q What about information that is stored? Is it encrypted as well?
A Information stored on our system is also encrypted using at least 128 bits.
Q I'd like to know more about the security methods you have implemented. Where can I read more?
A For a more detailed description of the security features in our Online Banking System, please see our Online Banking System Security Overview.
