Frequently Asked Questions

Explore our FAQs and find answers to many of your questions. Didn’t find what you’re looking for? Contact us today!

General Personal Banking FAQs

Online Banking FAQs

What do I need to bank online?

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.

What types of accounts can I view with Online Banking?

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

How often is my account information updated?

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

How secure is my personal account information?

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.

Why am I signed off sometimes and I have to sign in again?

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.

Can I pay my bills using Online Banking?

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.)

What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

How far in advance should I set up a payment to ensure it is paid on time?

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

Can I transfer funds between my accounts?

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

Do I need extra software or hardware to use Online Banking?

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

Will Online Banking work with my current Internet Service Provider?

Yes, Online Banking works with any Internet Service Provider.

Can I access my accounts from both home and work?

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

Mobile Banking FAQs

What can I do with Traditions Bank Mobile Banking?

Traditions Bank Mobile Banking allows you to:

  • View account balances
  • View transaction history
  • View check images
  • Transfer funds
  • Pay bills
  • Receive text alerts
My phone doesn’t have Internet access. Can I still use Traditions Bank Mobile Banking?

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.

How do I enroll in Traditions Bank Mobile Banking?

See instructions above under “Enroll Now!”

Are there guidelines for creating account “nicknames”?

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.

What phones are supported for Traditions Bank Mobile Banking?

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

Is Traditions Bank Mobile Banking secure?

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.
Can I use Traditions Bank Mobile Banking on more than one phone?

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

Mobile Deposit FAQs

How does Traditions Bank Mobile Deposit work?

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.

What types of checks can be processed through Mobile Deposit?

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 $2,500. The daily deposit limit is $5,000.

How secure is Mobile Deposit?

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

When can electronic deposits be issued to Traditions Bank?

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.

When will deposits be posted into my account?

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.

What should I do with the original paper checks after deposits are made?

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.)

How do I prevent checks from being scanned and deposited twice?

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.

How do I know the image quality is acceptable?

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.

Bill Pay FAQs

How does Personal Bill Pay work?

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.

How secure is my bill payment and personal information?

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.
Which browsers should I use?

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.

Can I use assistive technology for access?

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.

Account-to-Account Transfer FAQs

Can I transfer money between accounts?

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.

How long does it take to process an account transfer?

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.

What are account transfer limits and how are they set?

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.

What should I do if I transfer money to the wrong account?

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.

What is a repeating transfer?

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.

Why is my reminder removed when I schedule a 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.

Debit Card FAQs

What are Chip Cards?

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.

Is a Chip Card more secure than magnetic stripe cards?

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.

What information is on the chip?

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.

Can a chip card be used anywhere?

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.

How do I use a chip card?

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.

What if a merchant doesn’t have a chip-enabled terminal?

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

Can I still use my current card?

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.

Do I need to sign the back of the card?

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

Can a chip card be used to make purchases online or by phone?

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.

Can chip cards be used at an ATM?

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.

What is the difference between chip and signature and chip and PIN?

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.

What happens if my chip card is lost or stolen?
  • 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 717-741-1770.
  • Replaced cards will be issued with new account numbers.
  • Remember to update any automatic payments with your new card number.
Will chip cards prevent data breaches?

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.

Can I be tracked with my EMV card?

No. Chip cards contain no tracking information.

When will I receive my new Traditions Bank chip-enabled debit card?

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.

Credit Card FAQs

How do I report a lost or stolen credit card?

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

How do I login to my credit card account to view activity, make payments, etc.?

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.

Where can I find the answers to my questions about Traditions Bank credit cards?

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 FAQs

What is Zelle®?

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.

Who can I send money to with 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.

How do I 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.
Someone sent me money with Zelle®, how do I receive it?

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.

What types of payments can I make 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.

How do I get started?

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.

What if I want to send money to someone whose financial institution doesn’t offer Zelle®?

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.

How does Zelle® work?

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.

Can I use Zelle® internationally?

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

Can I cancel a payment?

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 717-741-1770 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.

How long does it take to receive money with Zelle®?

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 717-741-1770.

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

Will the person I send money to be notified?

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

Is my information secure?

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.

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

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.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

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.

General Business Banking FAQs

Business Online Banking FAQs

Who can access Business Online Banking?

This service is available to any Traditions Bank customer with a business account. Businesses can also grant full or limited use of Business Banking to employees.

How do I sign up for Business Online Banking?

To get started click to Enroll in Online Banking, read and agree to the terms and conditions, and fill out the enrollment form. You can also contact Traditions Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.

How do I get an access ID and password for Business Online Banking?

Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.

What does “real-time” account information mean?

Unlike other financial institutions that update information one or two times a day, Business Online Banking is “real time.” This means account balances and transactions are updated as soon as items are processed by the Bank, delivering the most current information available.

How long is the transactional information available with Business Online Banking?

You can access transactional information for your current statement cycle and previous statement cycle. A minimum of 90 days of transaction account history will be available.

Can I download my business account history into financial management software?

Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into selected software applications such as Microsoft® Excel, Quickbooks®, and other commonly used software. Note that not all file formats are supported.

Can I approve the transactions initiated by employees?

Yes. With Business Online Banking you can define access levels and set transfer limits for each employee.

Business Bill Pay FAQs

How does Business Bill Pay work?

There are two basic steps involved in using Business Bill Pay to make online payments:

  • Set up your payees.
  • Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Business Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.

Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.

How secure is the information I give to you?

Business Bill Pay uses several methods to ensure that your information is secure.

  • Business User ID and Password: Your business user ID and password are unique identifiers that only you know. As long as you don’t share your business user ID and password with anyone, no one can sign in to Business Bill Pay as you.
  • SSL: Business Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
  • Encryption: Business Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out: In addition, Business Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually 10 minutes). It is best if you sign out immediately after you are finished.
If I haven’t signed up for Business Bill Pay, how do I?

To sign up for Business Bill Pay, you must be enrolled in Business Online Banking. You’ll find the link to enroll on the Payments tab. Enroll online and submit a completed enrollment form.

How am I billed for bill payment service?

Please contact us for help with this.

How do I cancel bill payment service?

The Level 1 User is the only user who can cancel the service. On the Profile > Service Setup page, “Cancel Your Service” at the bottom of the page. Before you cancel your service, keep in mind the following:

  • Scheduled payments, including repeating payments, are not paid.
  • Processing payments are paid.
  • You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won’t have any outstanding payments that you can’t view or inquire about after you cancel your service.
  • Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can’t send your payment using Business Bill Pay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
  • If you decide to use Business Bill Pay again, you will have to re-enroll and set up your payee list.
How do I change business information?

It’s important to keep your business information (which includes business contact information) up to date so that we can contact you if necessary. To make any changes, go to the Profile > Business Information page and click Change.

How do I change authorized user information?

Since authorized users can access Business Bill Pay and contact customer service on your behalf, their information should be up to date. You can review authorized user information on the Profile > Authorized User Information page. To make any changes, go to the Profile > Authorized User Information page and click “View/Change”.

What if I have a question about one of the features?

Business Bill Pay can assist you in using its features as follows:

  • While in Bill Pay, click Help Me With This Page to open Help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
  • If you have general questions, read through the list of frequently asked questions (FAQs).
  • Bill Pay Customer Service is also available. Call toll-free 1-844-815-9570 between the hours of 7am-1am, 7 days a week.
What if I made a mistake when I entered my payment account information?

If you made a mistake when typing an account number, routing transit number, or account type, you should add the payment account again using the correct information. Then delete the account with the incorrect information.

Business Mobile Banking FAQs

What is Business Mobile Banking?

Business Mobile Banking is our mobile service that brings business banking to your phone.

What can I do with Business Mobile Banking?

Business Mobile Banking allows you to:

  • Review account history balances
  • Pay bills
  • Review transfers and payments
  • Approve transactions
  • Deposit checks on the go

What phones are supported for Business Mobile Banking?

Apple iPhone® and all phones using the Android™ operating system are supported. The specific app for each operating system can be found at their respective app store.

Is Business Mobile Banking secure?

Business Mobile Banking uses state-of-the-art encryption and login security to protect your accounts. In addition, Business Mobile Banking applies all user permissions assigned in the online version of your business banking to mobile access.

How can I make a deposit using Business Mobile Banking?

If you have an iPhone® or Android™ smart phone, simply download the application. Then, log in. Endorse all items as payable and print “For Mobile Deposit to Traditions Bank.” Then key in the amount of the deposit, and take a picture of the front and back of the check. That’s it! Within seconds of uploading the transaction, you’ll receive a confirmation that the deposit was received successfully.

What types of checks can be processed through Business Mobile Banking?

Most personal and business U.S. checks can be processed through Business Mobile Banking. Checks from Canada and other foreign countries, savings bonds and poor image quality checks must be deposited traditionally. Traditions Bank’s per check limit is $10,000. The daily deposit limit is $25,000.

When can electronic deposits be issued to the financial institution?

You can transmit mobile deposits to the financial institution 24-hours a day, 7-days a week including weekends and holidays, with the exception of any periodic maintenance downtime.

When will deposits be posted into my account?

Deposits received electronically are processed within one business day.  If an image of an item you transmit via Mobile Deposit is received before 4:00 pm EST and accepted before 6:00 pm EST on a business day that we are open, we consider that day to be the day of your deposit. Contact Traditions Bank for details.

What should I do with the original paper checks after deposits are made?

Before being destroyed, original checks should be stored for a minimum of 7 days after verifying the deposit is accepted. It is recommended that the checks are stored in a safe place until they are properly destroyed, such as by shredding.

How do I prevent checks from being scanned and deposited twice?

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, you must endorse the back of the check with “For Mobile Deposit Only to Traditions Bank”.

How do I endorse the checks I am depositing using Mobile Deposit?

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.

How do I know the image quality is acceptable?

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.

Is there a charge for Mobile Banking or Mobile Deposit?

Business Mobile Banking and Business Mobile Deposit are free to all Traditions Bank Business Online Banking users.

General Mortgage FAQs

How can I start my application?

Traditions Mortgage has a wide variety of mortgage products. Our Mortgage Service Partners are known for helping their clients achieve their homeowner goals regardless of the economic environment. To begin the application process with Traditions Mortgage, please contact someone on our Mortgage Team or Apply Online.

Do you require a property inspection?

An inspection is not the same as an appraisal, although both are used to protect you, the buyer, from hidden issues with the property that may arise at a later date. A home/property inspection is not required in the state of Pennsylvania, but Traditions Mortgage will order an appraisal, or a valuation of the property. If you are purchasing a property, ask your agent if a home inspection is necessary, depending on the home’s age or condition.

Do I need an attorney?

The state of Pennsylvania does not require a buyer to have a real estate attorney present at closing. If you feel more comfortable having an attorney review the contract and other paperwork, you may hire and pay for the attorney.

What is the difference between “locking” and “floating?”

Locking in a rate means to set the rate. In working with your Mortgage Service Partner, you will be given a range of rates and points to choose from. They will help you make the most sense of the rate structures, keeping your mortgage goals in mind. A Floating rate is a rate that has not been set. It is still subject to market conditions and will fluctuate until locked in.

Does Traditions Mortgage charge prepayment penalties for its residential mortgage loans?

No. You can pay off your residential mortgage loan at any time.

Will Homeowners Insurance be required at closing?

Yes, Homeowner’s Insurance will be required in order to close a mortgage loan. This policy protects both the homeowner and the mortgage lender in case the home incurs a loss or is destroyed. The cost for a Homeowner’s Insurance Policy often depends on what it would cost to replace the home and which additional endorsements or riders are attached to the policy.

What is the difference between Private Mortgage Insurance and Homeowners Insurance?

Private Mortgage Insurance (PMI) is required on a conventional loan if the loan to value is greater than 80%. Traditions Mortgage will secure the PMI as protection against possible payment default. Homeowner’s Insurance is secured by you, the homeowner. It protects your home and it’s contents from damage or loss.

How long do I have to pay for Private Mortgage Insurance (PMI) on my loan?

Private Mortgage Insurance (PMI) payments continue until the loan balance reaches 78% of the original loan amount. At this point in time, the PMI is automatically dropped on all loans except second homes and investment properties. With respect to an FHA loan, the Mortgage Insurance Premium is paid for the life of the loan if the term is a 30 year or a 15 year with a down payment of 3.5%.

What is Title Insurance?

Title insurance is a form of indemnity insurance which protects an owner’s or a lender’s financial interest in real property against loss due to title defects, liens or other matters.

Is purchasing Title Insurance mandatory?

Yes, Title Insurance is needed on any mortgage that is obtained through Traditions Mortgage. It is used to protect the borrower and the lender against any title defects, liens, or other matters. Lender’s Title Insurance is required and protects the lender up to the loan amount. The owner may choose to take take out additional insurance called Owner’s Title Insurance to cover the difference between the loan amount and the value of the property. Owner’s Title Insurance is optional.

I have another question. Who can help me?

Our Mortgage Team is more than happy to answer your specific questions. Contact us today!

Refinancing FAQs

How do I know if I should refinance?

If your payment is too high, your interest rate is higher than current rates, you’re looking to consolidate debt, or you want to have no mortgage sooner — consider a refinance.

What are the benefits of refinancing?

You may want to consider refinancing if you are interested in paying off high-interest-rate debt, shortening the length of your repayment term for your mortgage, or lowering your monthly mortgage payment.

How can I increase my home equity?

Equity increases naturally as you pay down your mortgage balance. You can also pay down your balance quicker by making extra payments or higher than required payments throughout the year. Finally, completing home improvement projects or renovations that increase the value of your home are another great way to raise the equity.

How can I consolidate debt when refinancing my mortgage?

Cash-out refinancing can help homeowners who want to consolidate high-interest debt. Because your mortgage interest rate is likely to be lower than rates on credit cards or other types of bank loans, consolidating debt may reduce your overall monthly debt payments.

Do I have to escrow my taxes and insurance?

You may request to waive an escrow account if the loan-to-value (LTV) is 80% or lower, taxes and insurance have been paid timely in the past, and you have the ability to pay them on your own.

What documents are needed to refinance?

Be sure you have pay stubs, bank account statements, tax returns (W2s and/or 1099s), and account numbers and balances of outstanding debts (student loans, car loans, alimony, child support, credit cards, etc.) ready.

Reverse Mortgage FAQs

It sounds too good to be true, how does the reverse mortgage work?

There are many misconceptions about reverse mortgages, so it is important to know the facts. A reverse mortgage, or HECM (Home Equity Conversion Mortgage), is a federally insured loan that allows you to tap into the equity you have built up in your home.

Do my children/family members lose their inheritance with a reverse mortgage?

No. A borrower may designate an heir of their choosing. The heir(s) will inherit the home after the last surviving borrower passes away and may then choose to keep (by paying off the amount of reverse mortgage balance) or sell the home. Should they choose to sell, any remaining equity after paying off the loan (minus interest and/or fees) would be theirs.*

 

*Must comply with terms of the mortgage

If I have an existing mortgage, can I get a reverse mortgage?

Yes. Many borrowers use a reverse mortgage to pay off their existing mortgage and eliminate their monthly mortgage payments.** In many cases, there is a line of credit left over for the borrower.

 

** Must maintain home as a primary residence and keep property taxes, insurance, and HOA dues current.

How much do I qualify for with a reverse mortgage?

The amount you can borrow is dependent on several factors including age, home appraisal value, and current interest rates.

Will a reverse mortgage affect my social security or medicare benefits?

You should always check with your tax specialist before applying, however, in general, a reverse mortgage does not affect Social Security and/or Medicare.

Will the bank own my home if I have a reverse mortgage?

The bank does not take ownership of your home, they simply extend a loan to you. You continue to own and live in your home and are responsible for payment of property taxes, required insurance, and any applicable HOA fees.*

 

*Must comply with terms of the mortgage

Do I need to be suffering financial hardship to qualify for a reverse mortgage?

No. It is another common misconception that reverse mortgages are only available to those who are struggling financially. In fact, many affluent borrowers who work with financial planners are using this as a tool to better their quality of life during retirement.

Are there any restrictions on how I can spend my loan proceeds when I have a reverse mortgage?

There are no restrictions once any existing mortgages or liens are paid off. Many reverse mortgage borrowers use their cash payments to pay medical bills, travel, or simply supplement their retirement income.

How do I qualify for a reverse mortgage?
  • Be 62 years or older
  • Must be living in the home as primary residence; vacation homes and investment properties do not qualify.
  • Complete a HUD-approved counseling session.
  • Must keep property taxes, homeowners insurance, and any applicable HOA fees current.
  • Complete a financial assessment with one of our Reverse Mortgage Experts

 

Online Banking

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