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