Banking FAQs

Q: Are my deposit accounts FDIC insured?

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

Q: Why am I having trouble performing a transaction with my debit card even though I know funds are available?

A: For security reasons we may block transactions being performed in some States, either when traveling to these States or even performing transactions online. For current States that fall under this restriction, or other possible reasons why your debit card may not be working, please contact our Customer Solutions center at 800-582-5503. When planning to travel, please contact us ahead of time so we can make sure your debit card will work at your planned destination.

Q: How do I set up direct deposit of my payroll check?

A: After your checking application has been approved, you will receive our transit routing 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 checking application has been approved, you will receive our transit routing 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. Remember, as of March 1, 2013, all federal benefit payments will be paid via direct deposit or through the "DirectExpress" card from the Federal government. In an effort to save taxpayers up to $1 billion a year, the US Treasury will no longer be issuing paper checks for federal benefit recipients. For more information on the "GoDirect" initiative, please see the US Treasury Department's "GoDirect" website at www.godirect.gov.

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 use our Voice Response System for automated account information 24 hours a day.

Q: Is interest paid on my checking account?

A: Yes! If you want a checking account that pays a market annual percentage rate of interest, check out our Earning Solutions account. Business owners can open a Business Earning Solutions account.

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 State of California with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

*We do not provide banking services to individuals or businesses outside of the United States.

Q: Can I do all of my banking with you?

A: Yes! Thanks to the convenience of direct deposit, online banking, and ATMs, everyday banking activities can be performed on your own time. 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!

Q: How frequently is my information updated?

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

Q: Are wire transfers possible to and from my checking account?

A: 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.

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, ATMs, or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits.

Q: When do I have access to use online banking?

A: With online banking, you have access to your account information 24 hours a day, 7 days a week!