Frequently Asked Questions - Arthur State Bank (2024)

I forgot my password. What should I do?
If you are locked out of your account, please call 888-825-2265, or contact your local branch to be unlocked and have your password reset.

If you are not locked out, but have forgotten your password, you can reset your password here.

How do I find my checking account number?
Look at the bottom left corner of your checks. The first nine-digit number on the left is the bank routing number. Immediately to the right of that is your checking account number.

The account number can also be found on the signature card which was given to you at the time your account was opened.

You may also contact your local branch to ask for your account number. You can find the phone number to your branch here.

Please note, your account number is not the same as your debit card number.

What’s Arthur State Bank’s routing number?
Our routing number is 053201034.

How do I view my account statements online?
To view your account statements online, you may enroll in e-statements. Please contact the Customer Service Representative at your local branch for assistance with e-statements.

How do I order checks?
If you have your check reorder form, you can order checks via online banking by going to Checks Services >Check Reorder.

You can also order checks by visiting here.

Additionally, you may contact your local branch to order checks. You can find the phone number to your branch here.

Please note that if your information has changed since your last check order, you will need to contact your local branch to order checks.

Where do I mail loan, credit card and mortgage payments?
Mail Credit Card Payments:
Arthur State Bank
PO Box 2711
Omaha, NE 68103-2711

Mail Mortgage or Other Loan Payments:
Arthur State Bank
PO Box 769
Union, SC 29379

You may also drop credit card, mortgage, and loan payments off at your local branch.

I forgot my password. What should I do?
If you are locked out of your account, please call 888-825-2265, or contact your local branch to be unlocked and have your password reset.

If you are not locked out, but have forgotten your password, you can reset your password here.

What is the cut-off time for Online Banking or Mobile banking transfers?
The cut-off time for transfers is 5:00 pm (EST) on business days.

Do I have to endorse my mobile deposit in a certain way?
Mobile deposits must be endorsed with a signature and FOR MOBILE DEPOSIT ARTHUR STATE BANK or they will not be accepted for deposit.

When will my mobile deposit post to my account?
Mobile deposits received and accepted before 5:00 pm (EST) on a business day will post to the account that day.

Does Arthur State Bank send emails or texts to its customers?

How do I send money to someone directly from my Arthur State Bank account?
Arthur State Bank offers Online Billpay through our Online Banking service. With Online Billpay, you may pay businesses or individuals. To get started, click on the Online Billpay tab in Online Banking. There is no fee for using our Online Billpay service.

Additionally, you can send money with Apple Pay or Google Pay in the Digital Wallet application on your mobile device. You can also receive funds via Apple pay or Google Pay.

How do I set up recurring or automatic payments to an individual or company (through Online BillPay)?

Sign in to Online Banking and select the Online Billpay tab. Under the biller information, click on AutoPay. Click on Set Up AutoPay and select your payment preferences.

What is a CD?
Certificates of Deposit (CDs) are interest bearing accounts opened for a specified period of time. Withdrawals may not be made from CDs until the specified term has expired. The rate for a CD is dependent upon the term you choose, and are subject to change without notice.

What is the minimum opening deposit for a CD?
The minimum amount to open a CD with Arthur State Bank is $500.00.

How do I open a CD? What are the terms and interest rates?
Visit one of our branch locations to open a CD. Our Customer Service Representatives are happy to assist you with rate and term information, as well as getting the account open.

What if I want to withdraw my CD early?
A premature withdrawal can cause the loss of some of the earnings on the account (and possibly even a portion of the deposited funds).

What do I do when my CD matures?
When your CD matures, you have the option to withdraw all or part of the money, have it automatically renewed for the same CD term at the interest rate that is being offered at maturity, or roll it over into a new CD term with a new interest rate.

What is an IRA?
An IRA is an Individual Retirement Account. A retirement plan is any method of saving or accumulating funds that an individual intends to use upon retiring. Because certain retirement savings plans enjoy preferential tax treatment, money deposited into an IRA compounds faster than money invested in identical investments outside of these plans.

What kind of IRAs does Arthur State Bank offer?
We offer Traditional, Roth, SEP, Conduit, and Beneficiary IRAs.

How do I open an IRA CD? What are the terms and interest rates?
We offer 18 months fixed and variable rate IRAs. Our Customer Service Representatives are happy to assist you with rate and term information, as well as getting the account open.

What is the minimum deposit to open a savings account?
The minimum deposit required for opening a savings account is $50.00.

Are there monthly services charges for savings accounts?
Six withdrawals per quarter may be made at no charge. Withdrawals in excess of 6 will be charged $1.00 per item, quarterly.

How is interest paid on my savings account?
Interest on our savings accounts is compounded quarterly.

What type of checking accounts does Arthur State Bank offer?
Arthur State Bank offers four consumer checking account options: General’s Checking, Student Checking, Senior’s Checking, and Super NOW Checking. For a detailed summary of our checking accounts, please click here.

What is the minimum opening deposit for your checking accounts?
The amount varies depending on the kind of account you open. For more information on opening deposit amounts, please click here.

How do I find my checking account number?
Look at the bottom left corner of your checks. The first nine-digit number on the left is the bank routing number. Immediately to the right of that is your checking account number.

The account number can also be found on the signature card which was given to you at the time your account was opened.

You may also contact your local branch to ask for your account number. You can find the phone number to your branch here.

Please note, your account number is not the same as your debit card number.

What is Arthur State Bank’s routing number?
Our routing number is 053201034.

How do I order checks?
If you have your check reorder form, you can order checks via online banking by going to Checks Services >Check Reorder.

You can also order checks by visiting here.

Additionally, you may contact your local branch to order checks. You can find the phone number to your branch here.

How much does it cost for checks?
The cost varies by type of account, quantity, and style of checks. Call or visit your local branch for more information about the types of checks available and what they cost.

Do you offer overdraft protection on checking accounts?

We offer two options for overdraft protection. Contact your local branch to find the overdraft option to best suit your needs.

How do I get a debit card for my account?
Debit cards can be made at one of our branch locations, or they can be ordered to be received in the mail.

Is there a daily limit on my debit card?
The daily Point of Sale (swiping your card at a store or using it to make purchases online) limit is $2,500.00. The ATM withdrawal limit is $500.00. Please contact your local branch if you need to have this limit increased.

Will my debit card work in a foreign country?
To mitigate fraudulent debit card attempts, the majority of international countries are blocked. You can contact your local branch to request that the block be removed prior to traveling internationally.

Are debit cards blocked within the United States?
In general, debit cards are not blocked within the US. However, if fraudulent activity is suspected by our fraud department, the card may be restricted. The best policy is to notify the branch prior to traveling to ensure your card will not be restricted.

What do I do if my debit card is lost or stolen?
If you utilize our Card Valet app on your mobile device, you may use the controls within the app to deactivate your card. Additionally, you may contact the bank to cancel a lost or stolen debit card. Outside of banking hours, you can call 1-800-554-8969.

If there is suspicious activity on my card, what should be done?
During business hours, contact your branch and a Customer Service Representative will be happy to investigate the suspicious charges. If the charges prove to be fraudulent, the bank will cancel your card and issue you a new one. You can dispute the fraudulent charges by visiting your local branch and completing a dispute form.

Outside of business hours, you may call the number on the back of your card to cancel the card.

Additionally, you may use our Card Valet app to deactivate your card. This app also allows you to receive notifications when your card is used, as well as setting limits and location restrictions on your card. For more information about our Card Valet app, click here.

I have questions about my existing credit card. Is there a phone number I can call to talk to a bank representative?
You may contact Anna Greene, Credit Card Manager, at 864-938-4135 during banking hours, or call our 24/7 Call center at 1-855-340-8769. (International number is 301-945-5744)

What credit cards do you offer?
We offer Visa, Visa Platinum, Mastercard, and Mastercard Gold. Details are listed on our website for each card.

Are there any annual fees with an Arthur State Bank credit card?
Our Visa Platinum card is the only card with an annual fee. Click here for more information.

How do I apply for a credit card?
You can request a credit card application at your local branch. Once you complete the application, return it to the branch, where it will be processed by a loan officer.

How long does it take to receive my card?
Once your application has been approved, it takes approximately three weeks to receive your card.

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