VisionBank of Iowa

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Still have a few unanswered questions? Banking isn’t always easy. We’ve heard your questions and put together a list of answers to help you get started.

From general banking terms, to online and mobile services, to questions about overdraft protection and ordering checks, we are here to help you understand the ins and outs of our offerings.

If you have specific questions, feel free to stop by any VisionBank location or give us a call at (800) 574-8123 to see what we can do for you. 

General Banking Questions

How do I open an account? 

You can open an account online or stop by any of our conveniently located VisionBank locations. 

What do I need to open an account? 

To open an account, you'll need your social security number, birth date, employer name, U.S. street address, phone number, and email address. 

Where do I find my account number? 

You can find your account number on the bottom of your check (it is the second series of numbers) or by logging into your Online Banking profile and viewing your Account Summary page. 

Where do I find my routing number? 

You can find your routing number on the bottom of your check (it is the first series of numbers), by logging into your Online Banking and viewing the Account Activity page, or on the footer of www.visionbank.com

What types of checking accounts do you offer? 

We offer a variety of checking accounts based on your banking needs. You can compare our checking accounts and see the features of each here. 

What types of savings accounts do you offer? 

We offer a variety of short and long-term savings accounts based on your savings goals and retirement strategy. You can check out our savings account options here. 

What is a cashier's check? 

A cashier's check is a check guaranteed by a bank. It is also known as a bank check, official check, teller's check, bank draft or treasurer's check. They are usually treated as cash because most banks clear them instantly.

How do I obtain a cashier's check? 

Visit your local VisionBank location to request a cashier's check. 

What is a Savings Bond? 

A Savings Bond is a certificate of debt issued by the government that guarantees payment of the original debt plus interest after a specified future date. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.

What is a Home Equity Loan? 

A Home Equity Loan is a loan that borrows against the equity in your home. 

What is a Certificate of Deposit?

A Certificate of Deposit, or commonly referred to as a CD, is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination.

How do Deposits and Holds Work?

When you make a deposit to your account, we most often make the deposited funds available the next business day. But sometimes, we place a hold on a deposit. This means you may not have access to those funds until the next business day. The availability of funds depends on a number of factors, including how, when and where you made the deposit. When you deposit cash with a teller, funds are usually available immediately if the deposit was made before the cut-off time. This is also true if you make a deposit at an ATM or if you deposit a check written to you.

What is a Memo Post? 

A memo post is a transaction that has not yet posted but is temporarily included in the current day's available balance until the nightly ledger update. The transaction is processed and cleared for the next day.

 

Online and Mobile Banking FAQs

What is Bill Pay? 

Bill Pay allows you to easily send electronic bill payments by eliminating checks, envelopes, and stamps. You provide us the payee, the amount, the date to send, and the account to pull the funds. You can send one-time payments or recurring payments.

How many bills can I pay with Bill Pay? 

There is no limit to the number of bills you can pay.

When are Bill Pay funds withdrawn from my account? 

We do not withdrawal money from your account in advance of the payment date. Funds are paid to your biller by either electronic draft or paper check drawn on your account. If the payment is sent as a paper check, the fund will not be debited from your account until the check is presented for payment and deposited by the payee.

Can I use Bill Pay with all my accounts? 

No, only checking accounts or money market accounts can be used for bill payment purposes.

When is Bill Pay available? 

Our Bill Pay system is available 24 hours a day and 7 days a week. However, the cut-off time for each business day is 3:00 p.m. CST. After this time, each request will be processed the following business day. Bill Pay, along with Online and Mobile Banking, may be unavailable at certain times for brief periods due to system maintenance.

Whom can I pay with online or mobile Bill Pay? 

You can pay virtually anyone in the United States from credit cards companies, utility companies, auto loans, and more. We are able to process any payments to federal, state, local tax agencies, and court-ordered payments; however, no payment guarantee will be associated with these payments.

How do I create a payee in Bill Pay?

Click on My Payees under Bill Pay. Here’s the information you will need when setting up a payee: payee name and mailing address, payee phone number, and the account number if you have one associated with the payee. You can assign nicknames so you can easily identify payees.

When can I schedule the first payment to a new payee that I just created? 

You may set up a payee and schedule the first payment in the same session.

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