031318745

To get started, you’ll need to Enroll in Online Banking. Read and agree to the terms and conditions, complete the enrollment form, and you’ll be banking online in no time at all.

With Online Banking, you can view all your Traditions Bank accounts, as well as loans.

Account information is updated in real-time, offering you the most current information available.

Traditions Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.

If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply if using Same Day/Next Day Bill Payment feature.)

Bill pay can only be used with a checking account.

Yes.

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Yes, you can transfer funds between any of your Traditions Bank accounts.

No extra software is necessary. You can access your Traditions Bank accounts from almost any PC that has Internet access.

Yes, Online Banking works with any Internet Service Provider.

Yes, you can access your accounts from almost any PC.

Traditions Bank Mobile Banking allows you to:

• View account balances
• View transaction history
• View check images
• Transfer funds
• Pay bills
• Receive text alerts

Yes. All you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or transaction history.

SMS Text Banking messages are not encrypted and there is no application time out. If your phone or device is lost or stolen, you should deactivate the service. Unless the service is deactivated, it may be possible for another person in possession of the phone to view any text messages stored on the device, and see information such as account balances and recent history.

See instructions above under “Enroll Now!”

During enrollment, you are given the option of providing “nicknames” for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for Traditions Bank Mobile Banking, because your HIST inquiries use the nickname. It’s also included in the account history message returned by the financial institution.

For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.

An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.

Any phone with text messaging capabilities can take advantage of Traditions Bank Mobile Banking.

Yes, Traditions Bank Mobile Banking uses the same multilayer security as your desktop computer.

No non-public personal data is sent to or stored on the mobile banking devices and sensitive information is not available even if someone else gains access to the device. However, you should help protect your personal information by keeping the following guidelines in mind:

1. SMS Text banking uses the phone number associated with your device for authentication. If the device is lost or stolen, you should deactivate your SMS Text banking service immediately. If the service remains active, another person in possession of the phone can use your SMS Text banking service to see account balances and transaction history.
2. Do not store text messages from SMS Text banking. They could be read by another person, and may contain information such as our contact SMS Text number and your account nicknames that would allow another person to access your SMS Text banking.
3. Do not store your online banking password in the device browser. Storing the password would potentially allow another person to follow the bookmark and log in. Quit out of the browser after each Internet banking session to erase session information and keep an unauthorized person from using the “back” browser function to re-enter your online banking.

Yes. You can add phones, change services or cancel at any time from the Traditions Bank Mobile Banking setup screen.

If you have an iPhone®, iPad®, or Android™ smartphone or tablet, simply download the application. Then, log in and click Deposits. You’ll key in the amount of the deposit, and take a picture of the front and back of the check. Traditions Bank requires that you endorse the back of the check with “For Mobile Deposit Only to Traditions Bank” under your signature. After uploading the images, you’ll receive a confirmation that the deposit is Pending.

Most personal and business U.S. checks can be processed through Mobile Deposit. Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally. Traditions Bank’s per check limit is $5,000. The daily deposit limit is $5,000.

Mobile Deposit is very secure. It features multiple layers of security, giving your account and check data the highest level of safety available.

You can transmit mobile deposits to your Traditions Bank personal checking, savings, or money market accounts 24-hours a day, 7-days a week including weekends and holidays, with the exception of our routine maintenance downtime.

Checks transmitted before 4 pm on a business day will be deposited after 6pm the same day. Checks transmitted after 4 pm any day will be deposited after 6pm the following business day.

Traditions Bank suggests that you store your original checks for a minimum of 7 days prior to being destroyed. At the very least, keep the paper check until you confirm that the status of your deposit has been changed from Pending to Accepted within your Deposit History. (See previous question for when the deposit should post to your account.)

The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also, Beginning July 1, 2018, the Federal Reserve requires all mobile deposit endorsements to contain the name of the institution to which the deposit is being made. This will prevent a check from being inadvertently deposited more than once to multiple institutions. When submitting a mobile check deposit, you must endorse the back of each check with your signature and “For Mobile Deposit Only to Traditions Bank” or the deposit will be rejected.

The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you’ll be asked to retake the photo.

To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you’ve added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

• Pending Payments: Provide a quick summary of the payments that have not yet been processed.
• Recent Payments: Provide a list of bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can’t find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.

We use several methods to ensure that your information is secure.

• SSL — Secure Sockets Layer ensures that your connection and information are secure from outside inspection.
• Encryption — 128-bit encryption makes your information unreadable as it passes over the Internet.
• Automatic Sign Out — Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.

For best performance, we recommend you use one of the following supported browsers:

• Firefox 48+ (Windows, Mac)
• Chrome 49+ (Windows, Mac)
• Safari 7+ (Mac)
• Internet Explorer 11+ (Windows)
• Edge (Windows)

While other browsers may work, these supported browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript in your browser as is required for certain features to function properly.

Yes, we’ve incorporated several enhancements based on priorities one and two of the World Wide Web Consortium’s Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.

The following features may help you navigate more easily:

• Skip to Main Content Links — These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
• Link Titles — If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
• Table Summaries — Whenever information is presented in a table format, we provide a brief description of the contents.
• Font Sizes — The fonts can be resized without significantly changing the layout of a page.

Yes. If you’ve added more than one account in Bill Pay, you can easily transfer money between the accounts. Go to Transfer Money and select the option to transfer money.

The Transfer Date is the date that the money is withdrawn from the From account. Transfers are typically deposited in your To account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected From account. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled.

The calendar shows the earliest available date you can make a transfer.

Limits for how much money you can transfer between accounts are established based on information you provided during enrollment. If you try to transfer an amount that is higher than your limits, a message informs you how much money you can transfer.

If the transfer has not been processed, cancel the transfer. Once the transfer is canceled, schedule a new transfer to the correct account. If you’ve transferred the wrong amount, you can cancel the transfer if it has not been processed and reschedule it with the correct amount.

If you have a problem with a transfer that has been processed, you can send us a transfer inquiry from the Transfer Detail page. Our customer service will attempt to resolve the problem on your behalf.

The automatic transfer of a specified amount of money from one account to another based on a schedule that you set up. For example, you may want to set up a repeating transfer schedule to automatically transfer $500 from your money market account to a checking account at the end of each month.

Quick Facts About Repeating Transfer Schedules.

You need to make three decisions that determine the frequency and duration of the transfers:

• When do you want to schedule the first transfer?
• How often do you want to transfer the money?
• When do you want to stop scheduling the transfers?

When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.

When you schedule a repeating transfer for the same To and From accounts as an existing reminder you’ve set up, the reminder is removed. If e-mail notification options are available when you set up the repeating transfer, you can select those options to receive e-mail about your transfer.

A chip card — also called a smart card or an EMV card — is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.

Yes. Chip cards add an additional layer of security to the safeguards that already protect cards. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.

The chip contains information about a your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

Yes. Chip cards can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. You will still be able to ‘swipe’ your card to make a payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.

Start the payment process by swiping your card. If the merchant’s terminal is chip-enabled, you will be prompted to insert your card.

1. Insert the card, face up and chip end into the chip-enabled terminal.
2. Leave the card in the terminal during the entire transaction.
3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

If the terminal is not chip-enabled, the transaction will process as it normally does from the initial swipe.

For merchants without chip-enabled terminals, you will ‘swipe’ your card through the terminal, as was previously done.

You can use your current card until you receive a new chip card. At that time, you should activate the new chip card and start using it. You should destroy your old card by cutting it up or shredding it.

Yes. You still need to sign the back of your card.

Yes. There is no change to that process. Chip cards can be used to make these purchases the same way as you currently make them.

Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any money you may have withdrawn.

You may be asked to provide your signature or enter your PIN to complete a transaction when using your card. You will need to use your PIN at ATMs and it might be required at some unattended card terminals such as fuel pumps and payment kiosks.

• Report a lost or stolen card promptly by calling the toll-free number listed on the back of your card. If you can’t access that number, call 717-747-2600.
• Replaced cards will be issued with new account numbers.
• Remember to update any automatic payments with your new card number.

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

No. Chip cards contain no tracking information.

You can expect to receive a replacement debit card with chip enabled technology in the mail by the end of the first quarter of 2017. Once received, activate your new card as soon as possible to take advantage of the enhanced security features. Once activated, your magnetic stripe card will no longer work.

To report a lost or stolen personal credit card, please call 1-800-558-3424.

If you already have a credit card with us, you can check on your purchases and pay your credit card bill online by clicking here.

Please find the credit card product you are interested in on our website and click on the “Frequently Asked Questions” link at the bottom of the page.

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

² Must have a bank account in the U.S. to use Zelle.

You can send money to friends, family, and others you trust².

Since money is sent directly from your bank account to another person’s bank account within minutes¹, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

² Must have a bank account in the U.S. to use Zelle.

You can send, request, or receive money with Zelle.

1. To get started, log into Traditions Bank’s online banking or mobile app, navigate to Bill Pay and select “Send Money with Zelle^®”. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle.
2. To send money using Zelle, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.
3. To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”³.
4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Traditions Bank.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor².

Since money is sent directly from your bank account to another person’s bank account within minutes¹, Zelle should only be used to send money to friends, family and others you trust.

Neither Traditions Bank nor Zelle offers a protection program for any authorized payments made with Zelle — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

² Must have a bank account in the U.S. to use Zelle.

It’s easy — Zelle is already available within Traditions Bank’s mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared — those stay with Traditions Bank).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies Traditions Bank of the incoming payment. Traditions Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call customer services at 717-747-2600 so we can help you.

Scheduled and recurring payments are features provided by Traditions Bank in our online banking and mobile banking app and are not features of Zelle. Please contact customer services with any questions concerning scheduling or recurring payments.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle is typically available to an enrolled recipient within minutes¹.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact customer services at 717-747-2600.

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for Traditions Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Traditions Bank nor Zelle offers a protection program for any authorized payments made with Zelle — for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team (717-741-1770) and ask them to move your email address or U.S. mobile phone number to Traditions Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Traditions Bank account so you can start sending and receiving money with Zelle through the Traditions Bank mobile banking app and online banking. Please call Traditions Bank’s customer support toll-free at 717-741-1770 for help.