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Account FAQs

How can I speed up my application?

If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your other account. You can speed up your application using information from your ATM/check card, a deposit account (excluding CD accounts), or a loan account.

Which ownership type should I choose?

If you will be the only person to have ownership on this account select Individual. If you want to add a co-owner to the account, select Joint.

How is my personal information used?

Federal law requires that all financial institutions obtain, verify and record personal information that identifies each person who opens an account. Your information is securely stored on your account and customer records once your new account is opened.

Why are you asking me about how I expect to use my new account?

Bank regulations require that financial institutions collect an expectation of a customer’s transactional behavior in order to determine risk levels in terms of money laundering, terrorist finance, and identity theft.

What is an ACH transfer?

Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet or when you pay a bill online you are likely completing an ACH transfer. An ACH transfer is the most common form of electronic money movement.

What is a Wire Transfer?

A wire transfer is a form of electronic money movement that moves the money real-time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in person or over the phone.

Why are you asking me about my employment or previous employment history?

Banks collect certain information in order to ensure they know their customer. This may include items such as employment or source of income, anticipated account activity and other information.

What is Taxpayer ID Number?

A taxpayer identification number (TIN) is an identification number used by the internal revenue service (IRS) in the administration of tax laws.

What if I don’t know my existing account information?

Please contact your branch or refer to your most recent Customers Bank statement.

Why do I need to review and accept disclosures?

Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensures that you are informed about how we will manage your new account.

How can I find my security code (CVV)?

Your security code (CVV) is the 3-digit Security Code printed on the front right-hand side of your Customers Bank Visa Debit Card.