FAQs

HIDE THIS TAB

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

GENERAL QUESTIONS

I forgot my password. What should I do?
If you are locked out of your account, please call 888-825-2265, or contact your local branch to be unlocked and have your password reset.

If you are not locked out, but have forgotten your password, you can reset your password here.

How do I find my checking account number?
Look at the bottom left corner of your checks. The first nine-digit number on the left is the bank routing number. Immediately to the right of that is your checking account number.

The account number can also be found on the signature card which was given to you at the time your account was opened.

You may also contact your local branch to ask for your account number. You can find the phone number to your branch here.

Please note, your account number is not the same as your debit card number.

What’s Arthur State Bank’s routing number?
Our routing number is 053201034.

How do I view my account statements online?
To view your account statements online, you may enroll in e-statements. Please contact the Customer Service Representative at your local branch for assistance with e-statements.

How do I order checks?
If you have your check reorder form, you can order checks via online banking by going to Checks Services >Check Reorder.

You can also order checks by visiting here.

Additionally, you may contact your local branch to order checks. You can find the phone number to your branch here.

Please note that if your information has changed since your last check order, you will need to contact your local branch to order checks.

Where do I mail loan, credit card and mortgage payments?
Mail Credit Card Payments:
Arthur State Bank
PO Box 2711
Omaha, NE 68103-2711

Mail Mortgage or Other Loan Payments:
Arthur State Bank
PO Box 769
Union, SC 29379

You may also drop credit card, mortgage, and loan payments off at your local branch.

ONLINE/MOBILE BANKING QUESTIONS

I forgot my password. What should I do?
If you are locked out of your account, please call 888-825-2265, or contact your local branch to be unlocked and have your password reset.

If you are not locked out, but have forgotten your password, you can reset your password here.

What is the cut-off time for Online Banking or Mobile banking transfers?
The cut-off time for transfers is 5:00 pm (EST) on business days.

Do I have to endorse my mobile deposit in a certain way?
Mobile deposits must be endorsed with a signature and FOR MOBILE DEPOSIT ARTHUR STATE BANK or they will not be accepted for deposit.

When will my mobile deposit post to my account?
Mobile deposits received and accepted before 5:00 pm (EST) on a business day will post to the account that day.

EMAILS & ALERTS QUESTIONS

Does Arthur State Bank send emails or texts to its customers?

You may set up account alerts under the Accounts tab in Online Banking. These alerts can be sent to you via email, text, or secure message in Online Banking.

There may be times when bank employees reach out to you via email. However, bank employees will never email to ask for your account number, online banking login credentials or other sensitive information.

How do I get text or email alerts?
Sign in to Online Banking, and visit the Account Alerts section.

Is there a fee for alerts?
No.

SENDING MONEY QUESTIONS

How do I send money to someone directly from my Arthur State Bank account?
Arthur State Bank offers Online Billpay through our Online Banking service. With Online Billpay, you may pay businesses or individuals. To get started, click on the Online Billpay tab in Online Banking. There is no fee for using our Online Billpay service.

Additionally, you can send money with Apple Pay or Google Pay in the Digital Wallet application on your mobile device. You can also receive funds via Apple pay or Google Pay.

How do I set up recurring or automatic payments to an individual or company (through Online BillPay)?

Sign in to Online Banking and select the Online Billpay tab. Under the biller information, click on AutoPay. Click on Set Up AutoPay and select your payment preferences.

CD QUESTIONS

What is a CD?
Certificates of Deposit (CDs) are interest bearing accounts opened for a specified period of time. Withdrawals may not be made from CDs until the specified term has expired. The rate for a CD is dependent upon the term you choose, and are subject to change without notice.

What is the minimum opening deposit for a CD?
The minimum amount to open a CD with Arthur State Bank is $500.00.

How do I open a CD? What are the terms and interest rates?
Visit one of our branch locations to open a CD. Our Customer Service Representatives are happy to assist you with rate and term information, as well as getting the account open.

What if I want to withdraw my CD early?
A premature withdrawal can cause the loss of some of the earnings on the account (and possibly even a portion of the deposited funds).

What do I do when my CD matures?
When your CD matures, you have the option to withdraw all or part of the money, have it automatically renewed for the same CD term at the interest rate that is being offered at maturity, or roll it over into a new CD term with a new interest rate.

IRA QUESTIONS

What is an IRA?
An IRA is an Individual Retirement Account. A retirement plan is any method of saving or accumulating funds that an individual intends to use upon retiring. Because certain retirement savings plans enjoy preferential tax treatment, money deposited into an IRA compounds faster than money invested in identical investments outside of these plans.

What kind of IRAs does Arthur State Bank offer?
We offer Traditional, Roth, SEP, Conduit, and Beneficiary IRAs.

How do I open an IRA CD? What are the terms and interest rates?
We offer 18 months fixed and variable rate IRAs. Our Customer Service Representatives are happy to assist you with rate and term information, as well as getting the account open.

SAVINGS QUESTIONS

What is the minimum deposit to open a savings account?
The minimum deposit required for opening a savings account is $50.00.

Are there monthly services charges for savings accounts?
Six withdrawals per quarter may be made at no charge. Withdrawals in excess of 6 will be charged $1.00 per item, quarterly.

How is interest paid on my savings account?
Interest on our savings accounts is compounded quarterly.

CHECKING QUESTIONS
What type of checking accounts does Arthur State Bank offer?
Arthur State Bank offers four consumer checking account options: General’s Checking, Student Checking, Senior’s Checking, and Super NOW Checking. For a detailed summary of our checking accounts, please click here.

What is the minimum opening deposit for your checking accounts?
The amount varies depending on the kind of account you open. For more information on opening deposit amounts, please click here.

How do I find my checking account number?
Look at the bottom left corner of your checks. The first nine-digit number on the left is the bank routing number. Immediately to the right of that is your checking account number.

The account number can also be found on the signature card which was given to you at the time your account was opened.

You may also contact your local branch to ask for your account number. You can find the phone number to your branch here.

Please note, your account number is not the same as your debit card number.

What is Arthur State Bank’s routing number?
Our routing number is 053201034.

How do I order checks?
If you have your check reorder form, you can order checks via online banking by going to Checks Services >Check Reorder.

You can also order checks by visiting here.

Additionally, you may contact your local branch to order checks. You can find the phone number to your branch here.

How much does it cost for checks?
The cost varies by type of account, quantity, and style of checks. Call or visit your local branch for more information about the types of checks available and what they cost.

Do you offer overdraft protection on checking accounts?

We offer two options for overdraft protection. Contact your local branch to find the overdraft option to best suit your needs.

DEBIT CARD QUESTIONS

How do I get a debit card for my account?
Debit cards can be made at one of our branch locations, or they can be ordered to be received in the mail.

Is there a daily limit on my debit card?
The daily Point of Sale (swiping your card at a store or using it to make purchases online) limit is $2,500.00. The ATM withdrawal limit is $500.00. Please contact your local branch if you need to have this limit increased.

Will my debit card work in a foreign country?
To mitigate fraudulent debit card attempts, the majority of international countries are blocked. You can contact your local branch to request that the block be removed prior to traveling internationally.

Are debit cards blocked within the United States?
In general, debit cards are not blocked within the US. However, if fraudulent activity is suspected by our fraud department, the card may be restricted. The best policy is to notify the branch prior to traveling to ensure your card will not be restricted.

What do I do if my debit card is lost or stolen?
If you utilize our Card Valet app on your mobile device, you may use the controls within the app to deactivate your card. Additionally, you may contact the bank to cancel a lost or stolen debit card. Outside of banking hours, you can call 1-800-554-8969.

If there is suspicious activity on my card, what should be done?
During business hours, contact your branch and a Customer Service Representative will be happy to investigate the suspicious charges. If the charges prove to be fraudulent, the bank will cancel your card and issue you a new one. You can dispute the fraudulent charges by visiting your local branch and completing a dispute form.

Outside of business hours, you may call the number on the back of your card to cancel the card.

Additionally, you may use our Card Valet app to deactivate your card. This app also allows you to receive notifications when your card is used, as well as setting limits and location restrictions on your card. For more information about our Card Valet app, click here.

CREDIT CARD QUESTIONS

I have questions about my existing credit card. Is there a phone number I can call to talk to a bank representative?
You may contact Anna Greene, Credit Card Manager, at 864-938-4135 during banking hours, or call our 24/7 Call center at 1-855-340-8769. (International number is 301-945-5744)

What credit cards do you offer?
We offer Visa, Visa Platinum, Mastercard, and Mastercard Gold. Details are listed on our website for each card.

Are there any annual fees with an Arthur State Bank credit card?
Our Visa Platinum card is the only card with an annual fee. Click here for more information.

How do I apply for a credit card?
You can request a credit card application at your local branch. Once you complete the application, return it to the branch, where it will be processed by a loan officer.

How long does it take to receive my card?
Once your application has been approved, it takes approximately three weeks to receive your card.

READY FOR A BETTER BANKING EXPERIENCE?

Arthur State Bank has accounts and services available to meet a variety of financial needs. We offer personal service as well as digital solutions to help you achieve all your financial goals.

AnnualCreditReport.com is the only source for free credit reports authorized by the federal government. Every 12 months, you can get a free copy of your credit report from each agency.

Your credit report has your credit history for all of your credit accounts as well as any credit inquiries and public record court information such as collections. In addition, the report provides personally identifiable information such as your name, address, and employment.

Be sure to carefully review all three reports to identify any problem areas that you may need to clean up prior to applying for a mortgage. If there is any incorrect information, follow the reporting agency’s rules to correct it or add a notation to the report to explain the situation.

Your FICO Score is a score combines data from several areas include payment history, the amount owed, length of credit history, new accounts. Many lenders use this score as a guide. This score is not provided as part of the free annual credit report.

Learn more about how your credit score impacts your ability to secure a loan.

.

Primary considerations for setting your housing budget require an assessment of your income, debt and current savings for the down payment on the home. The following are generally recommended guidelines; however, you should meet with an Arthur State Bank lender to get personalized mortgage information.

.

The pre-qualification/pre-approval letter is included with any offer you make on a house to inform the seller that you have met with a mortgage lender and you are prepared to make an offer. The letter states that based on certain assumptions, the bank is prepared to lend you up to a specified amount of money for a home mortgage.

When choosing a loan officer, we recommend going local to work with someone who understands your community’s real estate market. This blog on first-time home purchases includes questions to ask your lender that may be helpful when preparing for your meeting.

Helpful Resources:

.

When a house is sold, the seller typically pays real estate commission to both the listing agent and the selling agent. It is extremely beneficial for the buyer to use their own real estate agent. Loan officers can often recommend selling agents in the area; ask your officer about realtor referrals when discussing your loan.

A good realtor will know the local market and can help you find an ideal home based on your budget, location and desired features. During your search, understand that you will most likely need to compromise on some items, so it’s important to identify your critical needs versus your wants.

.

Additionally, when you start with the house search and work backwards, homes can often go off the market while you’re completing steps 1-4. While browsing homes immediately can be tempting, we recommend following these steps in order so that, once you find your dream home, you’ll be well-positioned to take action immediately.

When you find the home you want and you think you are ready to put an offer on it, you will want to make sure you have all the information you need to make a solid offer.

  • Evaluate the neighborhood.
  • Drive by the house at different times of the day.
  • Examine how other houses in the neighborhood are maintained.
  • Consider any potential traffic or other disruptive noise.
  • Is there ample parking for you and visitors?
  • Read the details in any Homeowner Association agreements (HOA fees and rules).

Make sure to do a preliminary check of house details:

  • Check the water:
  • Does it have good pressure?
  • How long does it take to get the water hot?
  • Is it well water or city water?
  • Turn light switches on and off.
  • Open and close doors and windows to make sure they work properly.
  • Review previous utility bill expenses.
  • Consider the property tax bill.

.

When writing an offer contract, be sure to pay attention to all of the details.

Offer Price:

Your agent should do a market analysis that pulls data on recently sold comparable houses. The best comparisons will come from the same neighborhood.

If you are asking for the seller to pay some of the closing costs, remember that this cost plus the sales commission determines the net amount you are offering the seller for the house.

Work with your agent on your negotiation strategy. There are many things to consider, such as how badly you want this particular house, whether it is a buyer’s or seller’s market and an assessment of the seller’s motivation to get the property sold.

There isn’t one best strategy.

Be sure to document in writing everything you want included with the house, such as appliances, etc. Your agent should guide you through the contract step-by-step.

Contingencies:

  • Home inspection.
  • Mortgage.
  • Final walk through (24 hours prior to closing).

Proposed closing date. Typically, this is 30-45 days from an accepted offer.

A good-faith deposit is required for the offer. This is typically between 1-10% of the purchase price of the house. The deposit is kept in escrow until closing and the money is applied to the purchase price of the house at closing. If the house does not close due to one of the contingency clauses, the buyer receives their money back. However, if the buyer decides not to close on the property, the seller may get the deposit money.

Attach your pre-approval letter to the offer.

.

The clock starts ticking for everything documented in the contract, including mortgage application, inspections and closing date.

.

You will need to decide which mortgage to select prior to the application.

Plan for the following potential fees:

  • Application fee (many banks and mortgage companies charge an application fee; however, there is not an application fee at Arthur State Bank).
  • Credit check.
  • Appraisal (may be paid at closing).
  • Loan origination fee (paid at closing).

Once you have approval for your loan, make sure you don’t change anything that will impact the status of your mortgage. Banks do a final check on credit and jobs just prior to closing, so now is not the time to change jobs or make another purchase on credit such as a car or furniture.

.

Depending on the size of the house, an inspection can cost on average between $300 to $1000.

Many real estate contracts specify how problems uncovered in the inspection will be resolved, up to a certain dollar amount. Should necessary repairs exceed that amount, the buyer has the option to cancel the contract without penalty and receive their deposit money back. Another option is for the buyer and seller to renegotiate who will pay for additional repairs.

.

  • Homeowner’s insurance is required by the lender prior to closing on the loan.
  • Turn on utilities in your name, effective the closing date.
  • Change your address with the U.S. Postal Service.
  • Make moving arrangements.

Three days prior to closing:

  • You should receive your final Closing Disclosure from the closing agency. The final Closing Disclosure shows a column for the seller and a column for the buyer. All closing charges and credits for both the seller and the buyer are documented in the closing statement.
  • Review the closing statement for accuracy prior to coming to closing.
  • The final amount in the buyer’s column shows you the amount of money you need to pay at closing.

The closing office will provide specific payment instructions. Closing funds have become recent targets for cybercriminals. If you are asked to use a wire transfer, call the office and ask to speak to someone you have been working with to double-check the instructions.

Closing day:

In South Carolina, the closing will usually take place at the attorney’s office. Everyone signing for the mortgage must be present to sign the closing paperwork. Make sure you bring the following:

  • Cashier’s check or proof of payment for wire transfer.
  • Driver’s license.
  • Checkbook, just in case there are any additional items that were not on the closing statement.

Be sure to understand this information:

  • How and when you will pay:
  • Your mortgage.
  • Your property taxes.
  • Your homeowner’s insurance.
  • Any HOA dues.
  • Who to call with any questions.

The best practice is to go through the homebuyer’s roadmap in this sequence. However, if you jumped ahead early in your journey, just circle back to address the steps you missed.

Arthur State Bank’s loan officers are closely tapped into local real estate markets and experts at helping clients get what they need on terms that work for them. We also offer mortgage specials for first-time homebuyers.

To start planning your journey to your dream home, try out our mortgage calculator. If you’re ready to talk to a loan officer, contact Arthur State Bank to request personalized mortgage information today. Don’t forget to ask about our first-time homebuyer offer.

.