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Banking FAQs

Are my deposit accounts FDIC insured?

Yes! Each individual customer’s account is insured by the FDIC up to $250,000 per account.

What are the current guidelines for Temporary FDIC Insurance Coverage for Transaction Accounts?

Notice of expiration of the temporary full FDIC insurance coverage for noninterest bearing transaction accounts: By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit insurance ownership category.

For more information about temporary FDIC insurance coverage of transaction accounts, visit
How do I set up Direct Deposit of my payroll check?

After your checking application has been approved, you will receive our 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.

How do I set up Direct Deposit of my Social Security check?

After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Can I get information about my account by phone?

Yes! Account information is available with our Customer Service Representatives during business hours at 972-720-9000.

What products can I apply for online?

We have a variety of business and personal accounts. Check out our Products & Services page to see which accounts you can apply for online.

Is interest paid on my checking account?

Yes! If you want a checking account that pays a market rate of interest, check out our T Plus Checking account.

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?

At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We’d like to hear from you.

Can I do all of my banking with you?

Yes! Thanks to the convenience of Direct Deposit and Remote Deposit Capture, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Can I look at my transactions at any time?

Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

How frequently is my information updated?

Your account information is updated every business day with new transactions that posted to your account the previous day.

Are wire transfers possible to and from my checking account?

Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit, Remote Deposit Capture or ACH (Automated Clearing House) transactions. We also offer 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.

When do I have access to use Internet Banking?

With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Remote Deposit FAQs
Do I need a special computer or operating system?

PCs must be running either the Windows XP or later operating system. Apple Mac OS is also fully supported.

Do I need special software to scan my checks?

You must have Adobe Acrobat Reader version 8.0 or higher and the latest version of the Java plug-in. You’ll find the Adobe reader at and Java at

Which web browsers can I use?
What type of internet connectivity do I need?
Do I need a special scanner to scan my checks?
Can pop-up blockers affect my ability to use Xpress Deposit Capture?
Who is eligible for Xpress Deposit Capture (XDC)?
How do I sign up?
Are there any limits on the dollar amount and number of deposits I can scan in a day?
Do I scan the front and back of my check?
Do I need to sign the back of my check?
When will my deposit be posted?
How will I know if you received my deposit?
Can I scan more than one check at a time?
What if my image of the check I scanned is bad?
Do I destroy my check after I scan and send it to you?
Can I scan a money order?
Can I scan a counter check?
Can I scan a third party check?
Can I scan a foreign check/item?
Can I scan a 941 Tax Deposit?
Can I scan a US Savings Bond?
Can I deposit a post-dated check?
How long does the system retain my check and report information?
What if I need additional help?
Internet Banking FAQs
What is Internet Banking?
What can I do with Internet Banking?
Is any of my personal information stored in the Internet Banking product?
How current is my banking information?
What accounts will I be able to access through Internet Banking?
How much account information can I view at once?
Can I view my account details in more than one way?
What formats can I download my transaction history in?
Can I schedule future transfers?
When can I use Internet Banking services?
Is there a demo available for me to try?
How long can I be inactive before being logged out of the Internet Banking product?
What is required to use the Internet Banking service?
How do I access Internet Banking?
Can I create my own password that is easy for me to remember?
What happens if I forget or lose my password?
Is T Bank affected by the “Heartbleed” OpenSSL vulnerability and is my online banking account protected?
Bill Pay FAQs
What is an e-bill?
How does electronic billing work with Web Bill Pay?
Is an e-bill the same as a mailed bill statement or invoice?
How do I receive e-bills?
How long does it take to receive e-bills from a payee?
How do I know when I receive a new e-bill?
Will I still receive a paper copy of the bill through U.S. mail?
Can I store or view paid e-bills?
How do I pay e-bills?
Can I pay e-bills outside of Web Bill Pay?
Can I make more than one e-bill payment at the same time (can I combine payments going to the same payee)?
Can I pay someone else’s e-bills?
How do I request e-bills from one of my payees?
What if my request for e-bills is rejected?
What happens if I delete a payee who sends me e-bills?
How can I stop receiving e-bills from a payee?
I chose to stop receiving paper bills from a payee and now I want to start getting my bills mailed to me again. How do I do that?
I want to stop being prompted to only receive e-bills and not receive paper bills every time I pay an e-bill. How do I do that?
What happens if I choose to stop receiving paper bills?
The amount for an e-bill seems incorrect. What should I do?
My e-bill is late. What should I do?
What do I do if the payee has not received or credited my payment?
What do I do if I receive a late fee for a payment?
How can I confirm that a payment has been made?
How do I cancel a payment?
What do I do if a payment failed?
How do I change a payment?
How do I know what the status of my payment is?
How does a payee receive my money?
What is printed on the paper checks you send?
When does a payee receive my payment?
When is the money for the payment drawn from my payment account?
Can I make payments from more than one payment account?
Can I make international payments?
How far in advance of the due date should I schedule my payments?
What is the earliest payment date I can schedule for a payment?
Why do you need four days to process a payment?
What do I do with the part of the mailed bill statement that I used to mail back with my payment?
How do payments show up on my payment account statement?
Are repeating payments scheduled automatically?
Can I pay e-bills automatically?
What is a payee?
Who can I pay using my bill payment service?
Do I need to contact the payees I decide to pay with Web Bill Pay?
Can I add the same payee to my payee list more than once?
How do I find out if my payee sends e-bills?
What is Auto-Pay?
Why can’t I use Auto-Pay to pay all payees?
How do I turn on Auto-Pay?
What happens if the amount due for an e-bill exceeds the maximum amount automatically paid?
How do I change the maximum amount automatically paid for an Auto-Pay payment?
Why was my e-bill paid late?
How do I download my payment activity for use in programs like Quicken or Money?
What are some things to consider in order to better use ATMs safely?
    • Use ATMs with surveillance cameras. T Bank ATMs and those of other financial institutions may be monitored by surveillance cameras, which record activity in the area of the ATM.
    • Be aware of people and your surroundings. When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others, or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.
    • Put away your card and cash. After completing your transaction, secure your card and cash immediately, before exiting the ATM area. Count your cash later, in the safety of your locked car or home. Your ATM card is like cash, so keep it in a safe place.
    • Protect your privacy. Shield the ATM keypad with your hand or body while entering your PIN.
Debit Card FAQs
How does T Bank protect against card fraud and what are some things to consider in order to better use my debit card safely?

Our debit card fraud analysis offers a complete review of unusual authorizations, address changes, and payments to secure your accounts against fraudulent activity. T Bank takes steps to defend you against theft, loss or unauthorized use of your debit card, even if you use your card online.

The following are some tips for making your T Bank debit card usage as secure as possible. If you suspect that you’re the victim of fraud, you should report it immediately.


    • Sign immediately. Sign the signature panel on your credit cards and Debit Cards as soon as you receive them.
    • Shut off paper statements. Choose instead to view your statements online, rather than receive them by mail.
    • Check your receipts. Check receipts against your online monthly billing or account statements to verify all of your transactions. Report any unauthorized transactions immediately. Once you have reconciled your billing statements, shred up all receipts and discard them at home.
    • Check your statements and watch your charges. View your statements to verify that they properly reflect the amounts you have authorized. Also, watch for multiple charges.
    • Keep a list of all your card account numbers, as well as of telephone numbers to call if your cards are ever lost or stolen. Make sure they’re in a separate, secure place.
    • Be cautious when giving out your card number. Never provide account information to anyone who called you.
To report a Lost/Stolen Debit Card

1-888-851-8537 – 24 hours; 7 days a week

Internet Security and Fraud Prevention
What are some basic security techniques that are available online, which I need to take advantage of to help better protect my Internet banking account?

The Internet banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:

    • Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
    • Change your password on a regular basis.
    • Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
    • Change your session timeout in User Options to a time that meets your needs.
    • Balance your account on a regular basis. Internet Banking makes it easy!
What secure technology does T Bank use to protect me?
What are some ways that to help prevent fraud on my accounts?

Safeguard your Social Security number

    • Never provide your Social Security number unless you have initiated the contact and have confirmed the business or person’s identity.
    • Do not use your full or partial Social Security number as a login ID, Personal Identification Number (PIN) or a password.
    • If you must provide your Social Security number in an email or on a Website ensure that it is encrypted, and you know how the recipient will protect it.
    • Do not record your Social Security number on a check, traveler’s check, gift certificates, etc., unless required by law.
    • Don’t carry your Social Security card and be cautious of your surroundings when disclosing your Social Security number.
Eliminate paper
    • Reduce the amount of mail and paper with your personal information printed on it to reduce the chance of criminals stealing it.
    • Stop receiving paper account statements and canceled checks. View and download them online instead.
    • Sign up for direct deposit to have your funds put directly in your account without paper checks.
Secure your computer
    • Anti-spyware and anti-virus protection detects and removes viruses and spyware, which can steal vital information
    • A firewall prevents unauthorized users from gaining access to a computer, or monitoring transfers of information to and from the computer
    • Operating system and software updates, sometimes called “patches” or “service packs,” should be installed as soon as possible
    • Web browser updates are deployed with your security in mind so keep them current
What are some of the types of online fraud to watch out for?

Phishing and spoofing

Sometimes criminals may send you email that looks like it has come from T Bank or another financial institution. These phony emails ask you to go to a web site that also looks like T Bank or the other institution and provide your personal account information. These emails may even ask you to call a phone number and provide account information. But the web site is a fake.
    • Asking for personal information should raise a flag since T Bank emails will never ask you to reply in an email with any personal information, such as your Social Security number, ATM or Debit Card PIN.
    • Urgent appeals claim that your account may be closed if you fail to confirm, verify or authenticate your personal information. T Bank will not ask you to verify information in this way.
    • Messages about system and security updates claim that the bank needs to confirm important information due to upgrades and state that you must update your information online. T Bank will not ask you to verify information in this way.
    • Offers that sound too good to be true often are. You may be asked to fill out a short customer service survey in exchange for money being credited to your account, and you are then asked to provide your account number for proper routing of the supposed credit. T Bank will not request your information in this way.
    • Typos and other errors are often the mark of fraudulent emails or websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.
To protect against phishing and spoofing:
    • Always look for the ‘https://’ and the lock symbol in the browser when you sign in to Online Banking.
    • Make sure you are at T Bank’s web site when you sign in to Online Banking.
    • If you receive a suspicious email, do not click on any links or reply to it. Simply delete it.
    • To report a suspicious email that uses T Bank’s name, you can forward it to
Money Mules
Money mules are unsuspecting victims who become middlemen for criminals trying to launder stolen funds. Victims are lured by the promise of a new career opportunity making large sums of money for minimal work. Criminals recruit money mules, send them stolen money and then ask the money mules to wire or transfer the money unwittingly to the criminals. Using the money mule masks the criminal’s identity.
The money mule may keep a commission for performing the transfer or wire. The victims of these scams may not only have their bank accounts closed and financial reputation ruined, but are often left financially responsible for returning the stolen funds.
Common signs of a money mule scam:
    • Overseas companies requesting money transfer agents in the US
    • Opening new bank accounts to receive money from someone you don’t know
    • Accepting large sums of money into your personal bank account for a new job
    • Transferring or wiring funds out of your personal bank account to people you do not know
Malware, short for “malicious software,” includes viruses, spyware and trojans that are designed to infiltrate or damage a computer system. Malware is often used to steal personal information and commit fraud. There are several easy ways to minimize the risk of malware:
    • Downloads from file sharing and social networking sites can be distributions points for malware
    • Attachments and free software from unknown sources shouldn’t be opened or installed
    • Pop-up advertisements asking for personal or financial information are likely fraudulent, so it’s better to close them
    • Updated security and system software can protect your computer from malware threats
Vishing uses Voice over Internet Protocol (VoIP) to call, leaving an automated recording. It alerts the consumer that their account has experienced unusual activity. The message instructs the consumer to call the same phone number shown in the spoofed caller ID with the same name as the financial company they are pretending to represent. And sometimes, criminals who try to get consumers to turn over personal data send emails and text messages containing fraudulent phone numbers.
Rather than provide any information, you should contact T Bank at the customer service number you normally use to verify the validity of the message.
What are some types of mobile banking fraud and how can I better protect myself when banking from a mobile device?

Fake Mobile Banking Apps

Criminals may develop and publish fake mobile banking applications attempting to steal your Online Banking credentials. Here are tips for recognizing an unofficial T Bank application:
    • The developer or author of the application is not T Bank
    • The application is being promoted on a third-party site, somewhere other than the official application store for your mobile device
    • There is a charge for downloading the application—T Bank does not currently charge for mobile application downloads
    • To help protect your accounts and information, don’t download or install a T Bank Mobile Banking App if you spot any of these warning signs.
SMShing is phishing that happens via SMS text message. A criminal sends a text messages tricking you into replying with financial or personal information or clicking on links that will sneak viruses onto your mobile device. To guard against these scams:
Don’t respond to a text message that requests personal or financial information. T Bank will never ask you to respond in this way.
Verify the phone numbers that appear in a text message. Store T Bank phone numbers in your mobile contacts for a quick cross-check. Or, you can go to the Contact Us page.
Stolen devices
Mobile phones and tablets offer convenience, but they’re also easy to lose or steal, which can put your information at risk.
    • Password-protect your device so it can’t be accessed unless the password is entered
    • Enable an automatic screen-locking mechanism to lock the device when it’s not actively being used
    • Consider using a remote wipe program, this will give you the ability to send a command to your device that will delete any data
    • Keep a record of the device’s make, model, and serial number in case it’s stolen
    • The T Bank Mobile Banking Apps still require you to enter your Online ID and Passcode before accessing your financial information.
Traditional online threats
Viruses, malware, and other programs that steal your personal information or financial details are also able to infect some mobile devices.
    • Some tablets may support traditional anti-virus products. Consider installing AV if supported on your device
    • Back-up the device’s data. This will allow you to restore the data if you need to wipe the memory to remove a harmful software threat
    • Stay vigilant about security when taking advantage of the convenience these devices offer.
Are my deposit accounts FDIC insured?

Yes! Each individual customer’s account is insured by the FDIC up to $250,000 per account.

What is a CD?
How do I fund my new CD?

A certificate of deposit (CD) is a bank account that lets you earn a fixed interest rate in exchange for locking in your deposit for a specified term. At T Bank, we offer several terms to choose from—see our CD Rates and Terms (link to chart on page).

When is my CD’s maturity date?

A certificate of deposit (CD) is a bank account that lets you earn a fixed interest rate in exchange for locking in your deposit for a specified term. At T Bank, we offer several terms to choose from—see our CD Rates and Terms (link to chart on page).

When will I receive my CD renewal confirmation letter?

A certificate of deposit (CD) is a bank account that lets you earn a fixed interest rate in exchange for locking in your deposit for a specified term. At T Bank, we offer several terms to choose from—see our CD Rates and Terms (link to chart on page).

Can I make additional deposits to my CD?

A certificate of deposit (CD) is a bank account that lets you earn a fixed interest rate in exchange for locking in your deposit for a specified term. At T Bank, we offer several terms to choose from—see our CD Rates and Terms (link to chart on page).