FAQs

A1: Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit.  Funds from electronic direct deposits will be available on the day we receive the deposit.  In some cases, we may delay your ability to withdraw funds beyond the first business day.  Then, the funds will generally be available by the second business day after the day of deposit.

A2:  When a deposit is made after 3:00 pm it does not meet the cut off time for that day. Meaning it will get processed the next day.  For example, John Doe deposits $100 on Monday at 3:30 pm.  Since it was after the cut off time the deposit would not show up until Wednesday because it would get processed on Tuesday.  If a deposit was made on Friday after the cut off time the funds will not show up until Monday because no work is processed over the weekend.

 A:  There are multiple reasons your debit card may not be working.  If you recently recieved your card you must first follow the instructions that came with your card to set up a pin and authorize your card.  If this is not done when you receive a debit card for the first time you will not be able to use your card for other purchases.  If your card is read as declined at a POS station there are a few things that may be wrong.  First would be your available balance is negative (note: if a deposited check has not cleared yet it is not available to use on a debit card).  Second, you may have reached your daily card limit.  You should call 712-724-6326 to receive more information about card limits.  Thirdly, if you are using your card outside of Iowa you card might get blocked to protect you from fraud.  When travelling outside of Iowa it is best to contact us to avoid having card issues when traveling. 

A:  Yes, you can change your PIN #.  Please call 800-717-4923 to get directions or 712-724-6326 to get instructions on how to do so.

A:  No, Debit cards are only available for checking accounts.

A:   Approximately two weeks before the expiration date on your card, you will be mailed a new card automatically.