Will my accounts be FDIC insured at Warsaw Federal?
Absolutely. Effective July 21, 2010, Congress permanently made the FDIC standard maximum deposit insurance amount (SMDIA) $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category. For more information visit the FDIC website.
How do I sign up for direct deposit?
If you would like to have your paycheck deposited into your Warsaw Federal checking or savings account, you will need to notify your payroll department. You will need to give them our routing number, which is 242071855, and the first 10 digits of your account number. Checking account customers will find their account number at the bottom of their checks; the first two digits will be 01 or 02. Savings customers can find their account numbers on their monthly statement or the inside of their passbook. If you have questions about your account number, please call us or e-mail us and we can assist you.
For your convenience we have a form available in our offices that you can fill out and use to provide your employer with the pertinent numbers. Some employers prefer such a form or possibly a deposit slip from the back of your checkbook.
If you would like to sign up for direct deposit with Social Security, please read the information on the Social Security website, or call Social Security toll-free at 1-800-772-1213 (TTY 1-800-325-0778).
Does Warsaw Federal sell money orders?
Yes. However, we can only sell money orders to current customers. The
current fee for each money order is $2.00.
Can I redeem savings bonds at your office?
Yes. However, we can only redeem savings bonds for current customers. We no longer sell savings bonds.
Do you have a notary public in the office?
Yes. There is a notary for bank customers only. Remember that all of the individuals providing the signature(s) to be notarized need to be present with proper identification.
Can I pay my real estate taxes at your office?
Yes, you may pay your Hamilton County real estate taxes at either of our offices and we will deliver them to the Treasurer’s office for you, free of charge.
When is the bank open for business?
How do I report a lost or stolen ATM/debit card?
To report a lost or stolen Warsaw Federal ATM/debit card, contact either branch location at 513-244-6900 or 513-941-7300. After banking hours, call 1-800-554-8969.
Can I open a checking account online?
No, all checking accounts must be opened in person.
Do you report to ChexSystems?
Yes, we run an inquiry with ChexSystems when a new account is opened.
How do I reorder checks?
You may reorder checks online or by phone. Please allow seven to 10 business days for delivery.
Reorder checks online for checks that are:
- Printed with the same information (your name, address, etc.) as your last order
- The same style and quantity as your last order
- Starting with the next sequential check number
To reorder by phone, call us during regular business hours at 513-244-6900, especially:
- If your address has changed or you wish to order a different style or design
- To order deposit slips only
- If you have questions about the status of your order or need to cancel an order
What is the difference between an ATM card and a debit card?
An ATM card enables you to withdraw cash from ATM machines. A debit card enables you to withdraw cash from ATM machines and make purchases at any store or retailer that accepts Visa.
Which ATMs are free?
With a Warsaw Federal ATM/debit card you have unlimited access to any PNC Bank ATM nationwide, free of charge!
What if I do not use a PNC Bank ATM?
If you use a non-PNC Bank ATM, we will charge you $0.50 for each transaction. This charge is in addition to any fees charged by the ATM owner for using their ATM. The ATM owner charge is known as a surcharge and it usually ranges from $1.50- $3.00.
I was charged $0.50 when I used a PNC Bank ATM. Why?
If you incur a $0.50 charge in error after using a PNC Bank ATM, please contact us and we’ll reverse the charge. PNC Bank ATMs are continually being updated and installed. Occasionally there is a gap between the time an ATM is updated or installed and the time we input the information in our system.
How do I place a stop payment on a check?
Online banking customers may request a stop payment online through our Online Banking. You can also place a stop payment by telephone during regular business hours. You will need to provide the check number, the amount of the check, the date the check was written, and the payee name. Also note that the stop payment will remain in effect for six months and a stop payment fee applies.
Can a sole proprietor open a checking account?
Yes, a sole proprietor may open a checking account. We will require proper documentation for the entity prior to opening the account.
Savings & CDs Questions
Can I open a savings account online?
No, all savings accounts must be opened in person.
How do I renew a CD?
You will receive a maturity notice approximately 10 days before the maturity date. Following the maturity, you have a 10-day grace period in which to renew or transfer the certificate. Customers may contact us via telephone, email or regular mail during the grace period with any instructions in regard to the maturing certificate(s). Once the grace period has expired, the account may begin to earn the interest rate being paid on our passbook savings accounts at that time.
Online Banking & Bill Pay Questions
How much will Online Banking cost me?
There will be no cost to you for Online Banking. There will also be no cost if you want to set up Online Bill Pay. However, if you use the Popmoney feature to pay individuals, there will be a $0.50 charge per use.
What is Popmoney®?
Popmoney allows you to send money to anyone, using only their name and e-mail address or mobile number. The money is sent directly from your payment account to their checking account. You can find the Popmoney feature in Warsaw Federal’s Online Bill Pay or through Mobile Banking and access it through the Popmoney tab. You must have a Warsaw Federal checking account and be signed up for Online Bill Pay to access Popmoney through Warsaw Federal.
How do I sign up for Online Banking?
Signing up for Online Banking is easy and stress-free. You will first need to complete the Online Banking signup form. Once your application is processed, we will mail you a temporary Access ID and password. These mailings will arrive separately for security purposes. When you have received both your Access ID and password you can log in and start banking online.
What if I forget my password?
Retrieving your password is easy. On our page for retrieving lost passwords, simply enter your Access ID and click Submit to have your password emailed to you. Once you re-enter Online Banking you will be prompted to change your password.
What if I forget my password and get locked out?
If you are locked out of Online Banking for any reason you will have to contact us at 513-244-6900 during regular business hours.
Do I need to have a Warsaw Federal account to bank online?
Yes. You must have an account with us to use Online Banking with Warsaw Federal. In order to use Online Bill Pay you must have one of our Warsaw Federal NOW checking accounts.
Do I need special software to use Online Banking?
No. Online Banking is an Internet-based system. You can use Online Banking with any computer that has Internet access the latest version of Mozilla Firefox, Microsoft Internet Explorer 7.0 and higher, or Safari 4, 5, 5.1, or 6. The latest version of these browsers is highly recommended.
What security features are in place to protect my personal information?
All customer information online is encrypted and can only be accessed with an Access ID, password and photo authentication known only to you. Please see our Privacy & Security Statement for more details.
What services are included with Online Banking?
Warsaw Federal’s Online Banking allows you to:
- View account balances and review transaction history
- Transfer money between accounts
- Transfer money from your Warsaw Federal checking or savings account to pay your Warsaw Federal mortgage loan or consumer loan
- Transfer money from your home equity line of credit to your Warsaw Federal checking or savings account
- Reorder checks for your NOW checking account
- Place a stop payment on a check from your NOW checking account
- Set up reminders thru eAlerts
- Communicate directly with Warsaw Federal via email
- Access Online Bill Pay to pay bills from your Warsaw Federal NOW checking account to almost any merchant, institution or individual
- Access Popmoney through the tab “Pay People,” which allows you to send money to anyone’s email address or cell phone number from your Warsaw Federal NOW checking account (AT&T, Verizon, and Sprint networks only)
How current is the information provided by Online Banking?
Transactions made through Online Banking are in real time and will be reflected immediately.
Can I give my accounts nicknames?
Yes. Once in Online Banking you may change your account nicknames to reflect special titles such as, “Vacation funds” or “Emergency Savings.” Simply choose the heading, “Options” and then select “Change Nicknames.”
How do I sign up for Online Bill Pay?
Sign into Online Banking and select your Warsaw Federal NOW checking account. Next, select the link titled “Online Bill Pay” and follow the instructions. If you have any questions or concerns, please call us at 513-244-6900 or 513-941-7300.
What kind of bill can I pay with Online Bill Pay?
You can make payments to almost any merchant, institution or individual with an address within the United States and its territories. Popmoney allows you to make payments to individuals with an email account or cell phone number within the United States and its territories. Cellular access is only available through the Verizon, AT&T and Sprint networks.