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Frequently Asked Questions

We have collected some of our most frequently asked customer service and technical questions to help you resolve potential problems and get your questions answered as quickly as possible.

General FAQs

How do I contact Bank of Wolcott for question on my account?

You may email one of the 3 address on the Contact Us page and one of our bankers will follow-up accordingly or call 219-279-2185 during our normal business hours.

What are the current interest rates on products offered by Bank of Wolcott

You may find the current interest rates for Certificate of Deposits, Checking, Health Savings Accounts (HSA), Savings Accounts, and Money Market on their respective pages.

You may also contact us at 219-279-2185 or stop by one of our convenient locations. 

How can I obtain a free copy of my credit report?

The Fair Credit Reporting Act permits consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (Equifax, Experian, Trans Union) and ensures the right to dispute inaccuracies without cost. 

You can order a free credit report at:
Phone: 877-322-8228

How can I purchase or obtain a savings bond?

Savings bonds may be purchased through Treasury Direct

How do I apply for a job with Bank of Wolcott?

Bank of Wolcott is always looking for talented individuals to join our team.  Please visit our About Us page then click on the Employment Opportunities tab to view a list of our current openings, preferred minimum requirements and how to submit your resume for consideration.

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Frequently Asked Questions

Checking and Savings Account FAQs

Can I open a checking/savings account online?

Due to having various bank account products and reporting requirements,  Bank of Wolcott does not currently offer online account opening.  Please complete the New Account Application and email it to We will review your information and  begin the account opening process for you.  You will still need to visit one of our three locations to sign the proper documentation and make your initial deposit. 

How do I change my Social Security deposit?

To change the account number your social security is being deposited in, please visit a Social Security office or their website at for further instructions.  

Where can I find my account and routing number?

Your account and routing number may be found at the bottom of a check.  The routing number will be a group of nine-digit numbers, your account number will be the next set of digits and the third set of numbers is the check number.



Can I have overdraft protection on my checking account?

Yes, you may set up a savings account, line of credit or second checking account that can be used as overdraft protection on your checking account.  You must maintain the account requirements for all accounts or additional fees may apply.   Transfers must be made in multiples of $20 or higher.   

How can I reorder checks online?

Reordering checks online from Main Street, our preferred provider, is as safe and secure as ordering them in person or over the phone.  Locate your reorder form on the front bundle of checks; you will need the bank’s routing number, your account number and the control number off the reorder form.  Visit Main Street, click on reorder checks, and complete the direct steps.  

How much do I have to keep in my account to keep it open?

To keep your checking account active, you must keep a balance of $0.01 or more.  Depending on the requirements of your selected account, you may have to maintain a certain dollar amount to avoid any fees.

I can’t see a deposit I made at the branch, what should I do?

If you cannot see the deposit you made, please contact us at 219-279-2185.  We can then do some research to locate your deposit.

Is there a cutoff time to make a deposit?

There is not a cut off time to make a deposit at one our branches.

Deposits made through remote deposit capture after 3:30 pm EST will be processed on the next business day.

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Loan FAQs

Can I apply for a loan online?

Due to the various loan products available, currently Bank of Wolcott does not offer an online loan application.  Please complete the loan inquiry form and email it to and we will review your information and begin the loan process for you.  You will still need to visit one of our three locations to sign the proper documentation.

Can I withdrawal funds from my line of credit online?

Yes, you can withdrawal funds from your line of credit via Online Banking by logging into your profile, hover over the “Transfers” tab, scroll over and click on “Loan Advances”, to complete the “New Loan Advance” form. 

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Lending 2

Mobile Banking and Remote Deposit Capture

How do I download the Mobile Banking App?

Search for Bank of Wolcott in the Apple Store or Google Play store and download!  There is no charge to download the app.  

Can I access Bill Pay through the Mobile App?

Yes. In your menu list select “Move Money” and then select “My Payees” in the upper right-hand corner.

What is Remote Deposit Capture?

Remote deposit capture allows you to deposit checks from anywhere with your mobile smartphone. To use remote deposit, you must have the Bank of Wolcott mobile app installed on your iPhone or Android devise.

How do I use Mobile Deposit?

Please refer to the Mobile Deposit page for step by step instructions.

If you have any questions about mobile deposit banking, call Bank of Wolcott during our regular business hours at 219-279-2185.

Is there a cost to use Mobile Deposit?

There could possibly be a charge, depending on the type of account you have.  Please refer to the Mobile Deposit page for further information.  

How Do I endorse checks I want to deposit through Mobile Deposit?

Please be sure to endorse the back of the check with "Mobile Deposit Only" under your signature.  Failure to include this information may cause your check to be rejected and the funds not deposited to your designated account.

When will fund be available on checks that I deposit using mobile deposit?

The total amount of deposits made (less any holds as described in Bank of Wolcott’s Funds Availability Policy) will be credited to your account the same evening the check(s) where deposited, if they were deposited before 3:30 pm EST.  Checks deposited after 3:30 pm EST will be deposited on the next business day.

What is the deposit cut-off time for mobile deposits?

Deposits made after 3:30 pm EST will be processed on the next business day

How many checks can I deposit using Mobile Deposit?

You may deposit as many checks as you like, however there may be a per check charge, depending on the type of account you have.  Please refer to the Mobile Deposit page for further information.  

What is the dollar amount on checks that I can deposit through remote deposit capture?

Daily you may deposit up to $1,250, weekly up to $2,000 and a monthly maximum of $5,000.  Bank of Wolcott does have the ability to increase these limits so please contact us at 219-279-2185 for additional options. 

What should I do with my check after I have used mobile deposit?

It is recommended you retain all checks you have deposited for at least 60 business days.  Following the 60-day retention period, you agree to dispose of your check in a manner which will ensure the check will not be presented again.

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Debit Card FAQs

What are the withdrawal limits on my debit card?

You may withdrawal $500 from any ATM or spend up to $1,500 at a merchant.  Please contact us at 219-279-2185 if you are needing to temporarily increase your limits.

Are there any fees if I use a non-Bank of Wolcott ATM?

Bank of Wolcott will not charge you a fee for not using our ATM, however the bank or service provider who owns the ATM may charge you a fee.  To guarantee you do not receive any fees, please visit one of our 3 ATMs located at each of our branches. 

How long will it take a receive my new debit card in the mail?

Bank of Wolcott will mail your debit card in a discrete envelope within 7-10 business days from the date it was ordered.  We do not send Personal Identification Numbers (PINs) out with new debit cards.  Please call one our 3 locations to activate your card and establish your own PIN.

What should I do if I discover fraud or suspicious transactions on my checking account?

If you discover fraud or suspicious transactions on your account, contact Bank of Wolcott immediately by calling 219-279-2185 or visit any of our locations to report the transactions. 

I received a call from Card Sentry, is this legitimate?

Yes, please refer to the Debit Card page for additional information.

How do I activate my debit card?

Please contact one of our locations to have your debit card activated.  During this time, you will establish your own Personal Identification Number (PIN).  

Can I use my debit card outside of the United States?

For security and fraud purposes, cards cannot be used outside the United States unless you call one of our three locations prior to leaving the country.  We can then take the necessary steps to accommodate transactions outside the United States.

Can I use my debit card when traveling outside of Indiana?

Yes, your debit card will work within the continental United States. 
To insure you have uninterrupted debit card service, even if traveling with in the United States, please call, visit, or log on to your online banking today to complete the 'Travel Notification Form' by simply clicking the ‘Support’ tab and selecting the ‘Travel Notification Form’ from the drop-down list.    

What should I do if I lost my debit card?

If you are an online banking / mobile banking user, you may log in and turn your debit card to the “off” position to stop any further transactions from clearing your account.  You will then need to contact one of our three locations to fully deactivate the card and  order a replacement card.   

During business hours please contact one of our three locations to close or deactivate the card.

After business hours or on weekends please call 1-844-202-5333.

How do I reset my debit card PIN if I forget it?

If you have forgotten your debit card PIN, please call one of our three locations and we can assist you with resetting your PIN.  

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Debit Card

Online Banking and Bill Pay FAQs

What is Online Banking?

Online Banking is a service that provides you access to your Bank of Wolcott accounts through a secure website. With Online Banking you can:

  • View your checking and savings account transactions, statements, available balances, loan balances and much more.
  • Make transfers between your checking and savings accounts, including making loan payments for your Bank of Wolcott loans.
  • View and print the front and back of your checks for research and legal proof of payment.
  • Pay bills from anywhere with Bill Pay.
How do I sign up for Online Banking?

To enroll in Online Banking, click on "New User Signup" in the upper right corner in the online banking box.

If you have any questions or issues, please contact Bank of Wolcott during business hours at 219-279-2185. 

I just opened a new account but do not see it on my online banking profile?

To add a new account to your online banking profile, please contact one of our three locations for further assistance.  You may also email noting your new account is not viewable on your online banking profile and we will assist you during regular business hours.   

Why do you ask me to validate my email address for online banking?

Bank of Wolcott requests that you validate your email every 90 days to ensure your contact information is current and all communication from Bank of Wolcott is delivered to you in a prompt manner.

Is there a fee for Bill Pay?

Bill Pay is a complimentary product with no charge, if you pay at least one (1) bill each month.  If, you do not pay a bill during the calendar month there will be a $4.95 charge to your checking account.

Which accounts can I access through Online Banking?

Checking Accounts
Savings Accounts
Money Market Accounts
NOW Accounts
Certificates of Deposit
Individual Retirement Accounts
Consumer Loans
Commercial Loans
Lines of Credit
Cash Reserve Accounts

How do I change my password?

Log into your online banking profile, go to "Settings" and click on the "Password" tab. You will then be prompted to enter your current password, followed by your new password in the spaces provided.

Your password must have at least 8 characters including one number, an uppercase letter, a lowercase letter and a special character.  Click "Submit" to save your changes. 

What if I forget my password?

If you forget your password, click on "Forgot Password" in the upper right corner of the Bank of Wolcott home website and follow the prompts to reset your password.  If you continue to have problems, contact us at 219-279-2185. 

What transfers can I make?

You can transfer funds to or from any eligible Bank of Wolcott accounts you own. 

What is the transfer cut-off time?

Cut-off time is 6:00 pm EST. Transfer made after this time, will be processed on the next business day.

How do I sign up for bill pay?

You must have an Online Banking profile to sign up for Bill Pay.  Once you sign into your online banking profile, you can sign up for bill pay by simply clicking on "Bill Pay" at the top of your online banking screen. 

How does bill pay work?

When you make a payment through our secure website, you authorize our third-party bill pay processor to electronically debit your checking account and forward the payment to your payee. The payment may be sent electronically or by check, depending on how your payee is capable of accepting payments.

If your payment is sent electronically, the payment may take up to three business to reach the payee.

If the payment is sent by check, the payment may take up to five business days to reach the payee.

Who can I pay with bill pay?

You can make a payment to any business, merchant or individual with a United States address.

What is the payment cut-off time?

Payment cut-off time is 4:00 pm EST. Any payments made after this time, will be processed on the next business day. 

When will the money be withdrawn from my account?

Funds are withdrawn from your account on the date the payment is processed, NOT the day the payee receives the payment.  The payment will show in your account activity as, “BP – name of payee billpay” (ex: BP-NIPSCO BILLPAY).

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Online Banking