Frequently Asked Questions

Below you will find some of our frequently asked questions.   If you have a question that is not listed below, please use the contact page or visit one of our 24 convenient locations.

Q: Can I continue to use my old checks, debit card, and ATM card?
A: Yes.  All of these will continue to work despite having the old logo.  In the months to come, if you currently have a debit card we will reissue you one with the new logo.

Q: When can I begin using locations other than Greenville and Stanton to do my banking?
A: Beginning April 21, 2008 you will be able to use any Isabella Bank office to access your account(s).

Q: Has my account number changed?
A: Unless you have been contacted by a member of our team, your account number will remain the same.

New Logo

Q: Can I continue to use my old checks, debit card, and ATM card?
A: Yes.  All of these will continue to work despite having the old logo. 

Q: Will my account numbers change?
A:  No.  All account numbers will remain the same. 

Q: What changes will I see with the new logo?
A: The changes with the new logo will only affect the look of our bank. Our new radio jingle, television ads, and newspaper ads will begin on April 21, 2008.  Our dedication to our customers, employees, shareholders, and communities will remain the same. We will also continue to have the same dedication to local decision making that we have had in the past.

Q:  Does this affect my direct deposits and withdrawals?
A:  Although we will use a new routing number, all direct deposits and withdrawals will be automatically redirected to your account.  If you are setting up a new direct deposit or withdrawal, we ask that you use the routing number 072403004.

Electronic Services

Q: How do I sign up for your online bill pay service?
A: In order to enroll in Bill Payment, you must also be enrolled for our online banking service. After enrolling for this service, you will need to complete an application form, sign it, and return it to us. This form is available on our website or at any of our convenient locations. To access Bill Payment, you must have a qualified checking account with us that you designate on your application form.

Q: Is online bill pay a free service?
A: Bill pay is a free service on personal accounts. Non-personal accounts will be charged for the bill pay service monthly. The monthly fee is $3.50 and .35 cents for each payment initiated during your monthly checking cycle. (The first month's regular monthly fee will be waived.) These fees may be amended from time to time in accordance with the Rules.

Q: How do I enroll for your eSTATEMENT service?
A: In order to enroll for eSTATEMENTS, you must also be enrolled for our online banking service. After enrolling for this service, you will need to visit the eSTATEMENT tab within our online banking site in order to sign up for this service.

Merchant Capture

Q: What is the latest time that we can transmit a deposit to ensure next day credit?
A: 7:00 p.m. Eastern Standard Time.

Q: Can a company with different accounts but under the same tax ID transmit separate deposits per account?
A: Yes.

Corporate Cash Management

Q: When does the payroll file have to be initiated in order for the deposit to show in the employees account in time?
A: The file must be “initiated” by 3:00 p.m., 2 days prior to the effective date of the payroll deposit.

Q: Must the employee have an account at the same bank as the company in order to sign up for their payroll to be direct deposit?
A: NO. The employee may have an account at any banking institution within the United States.

Trust Department

Q: Must I have a trust to use your investment services?
A: No. You are not required to have a trust to take advantage of our investment services. However, many of our clients choose to have a trust for their estate plan.

Q: What are the advantages of naming Isabella Bank as a corporate trustee of my trust?
A: A corporate trustee offers professional knowledge in investments, tax, accounting, and other aspects of trust administration. Corporate trustees are held to a higher standard of care than individual trustees. A corporate trustee, unlike an individual trustee, does not die or become legally incompetent. A corporate trustee is a neutral party.