FREQUENTLY ASKED QUESTIONS
Have a question? You’ve come to the right place! Questions are broken down into categories.
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A: Our bank routing number is 031315544.
Q: What is the telephone number for Telephone Banking System?
A: Our 24/7 automated Telephone Banking System can be reached at (570) 568-BANK (2265).
Q: Why do you ask such personal questions when I call or email to get account information?
A: In order to further assist you with your account, we must be able to verify your identity. By verifying information that only you should know, we can be sure we are speaking to the owner of the account in question.
Q: I applied to open a new account online. What happens next?
A: You will be contacted by a Susquehanna Community Bank employee via email when your Online Account Application has been processed. You can submit required items here.
A: Account information is updated in real-time, offering you the most current information available.
Q: How secure is my personal account information?
A: Susquehanna Community Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security. We’ve implemented an Extended Validation (EV) certificate that confirms our site’s security, to replace the Multi-Factor Authentication (MFA) picture and phrase that you are accustomed to seeing. You can verify that the site is using the EV certificate by looking at your browser’s address bar. For most users, the address bar will turn green and display Susquehanna Community Bank next to it. There may be some display differences depending on your browser.
Q: Why am I signed off occasionally and have to sign in again?
A: If Personal Online Banking has been inactive for a period of time, you will automatically be signed off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
Q: What is new in the updated Online Banking website?
A: The new Online Banking website has a new, modern layout and design. It also includes several new features including External Transfers (transfer funds to other financial institutions or brokerage firms) and Online Account Opening.
Q: How do I change my password?
A: To change your password, click on Profile at the top of the screen. Click on the Edit button next to Password. Enter your current password, enter the new password, and confirm the new password. Click the Save button.
Q: How do I update my security challenge questions?
A: To update your security challenge questions, click on Profile at the top of the screen. Click on the Edit button next to Challenge questions. Select the challenge questions that you wish to use and provide answers for them. Click the Save button.
Q: How do I update my Email address?
A: To update your Email address, click on Profile at the top of the screen. Click on the Edit button next to Email. Enter and confirm your new Email address. Click the Save button.
Q: Where do I find my E-Statements (also known as Documents)?
A: You can view E-Statements or Documents by clicking on any account on the Home screen or selecting the Accounts tab on the main menu. Select your account in the dropdown menu and click on the Document button. We recommend leaving the default date range to view all E-Statements available.
Q: I opened a new account. How can I enroll that account in E-Statements?
A: • To enroll an account in E-Statements, click on Profile at the top of the screen. Click on the Edit button next to Electronic Statements.
• Select the accounts you wish to enroll by clicking in the “E-Statement” box.
• You must open the “Electronic Statements Terms and Conditions” disclosure in order to enroll. Note the Confirmation Code on the last page.
• Place a checkmark in the “I have read…” box.
• Enter the Confirmation Code in the designated box on the enrollment page.
• Click “Save” when finished.
Q: What is Mobile Banking?
A: Mobile Banking is a service offered by Susquehanna Community Bank which allows you to access your account information 24 hours a day, 7 days a week, from any smart phone using a downloadable application found in your phone’s app store.
Q:Which phones can I use with Mobile Banking?
A: Hundreds of modes are supported including these major brands: iPhone, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo and Sony Ericsson. Phones on a number of different operating systems are supported including, but no limited to, Android, iOS, Symbian, Windows Mobile, Linux, Palm webOS and Maemo. Participating carriers include, but are not limited to, AT&T, Verizon Wireless, Sprint, T-Mobile®, U.S. Cellular®.
Q: Can I use my iPad with Mobile Banking?
A: Yes. Visit your app store and search for Susquehanna Community Bank and begin banking on the go!
Q: Who can enroll in Mobile Banking?
A: Any Susquehanna Community Bank customer who has a smart phone can download our Mobile Banking app.
Q: Is there a fee for Mobile Banking?
A: No, Mobile Banking is a free service! However, regular text and data package charges may apply, so check with your wireless carrier if you have any questions.
Q: Is Mobile Banking safe?
A: Yes, Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts. Customers are authenticated by username and password and no files are stored on your phone. Additionally, encryption is used for all transactions so that your sensitive information is protected. It is not recommended to use Mobile Banking on a Wi-Fi connection.
Q: What if my mobile device is lost or stolen?
A: If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique username. To prevent unauthorized access to your account, you can deactivate your phone in Online Banking, or call us at (570) 568-6851 and we’d be happy to assist you.
Q: How current is the account and transaction information?
A: One of the greatest benefits of Mobile Banking from Susquehanna Community Bank is that it provides real-time account information. When you view your account balances, you see the current available balance and when you view transaction history, you see the most recently posted transactions.
Q: Does it cost anything to have a debit card?
A: No. Having a debit card is free and there are no monthly fees.
Q: Where can I use my debit card?
A: Your debit card is accepted anywhere Visa® is accepted.
Q: Can you tell me more about the Mobile Banking feature “Freez It”?
A: Freez It helps keep your debit card secure by giving you the power to turn off your card to prohibit transactions from occurring on your account. If you’ve misplaced your debit card, instead of cancelling it right away, you can “freeze” it, which can be reversed. If you locate your card and confirm that it hasn’t fallen into the wrong hands, all you have to do is unlock your card to resume use. Cancelling your card is necessary if you know that it is lost or stolen. If you do “freeze” your card, any recurring transactions you had previously set up will still occur. Turning your card OFF will not affect your checks, mobile or online transfers, bill payments, or any other type of transactions in your account(s). Click “Manage Cards” within your Mobile Banking App to get started.
Q: How do I use the Freez It feature?
A: You can view our User Guide for additional information.
Q: When should I use Freez It to freeze my debit card?
A: When you temporarily misplace your debit card, you can freeze access until you find your card by using our mobile banking app. Once you locate the card, you can unfreeze it in seconds and simply begin using it.
Q: Should I use Freez It if I lost or suspect my debit card has been stolen?
A: If your debit card is lost or stolen, or if you notice unauthorized transactions, please call 570-568-6851 during business hours or 1-800-554-8969 after hours and on weekends. Freezing your card doesn’t serve as a notice that it’s lost or stolen or that an unauthorized transaction has posted to your account.
Q: Who can use Freez It to freeze their debit cards?
A: Any cardholder may freeze his/her individual cards or those cards of a joint account holder.
Q: Does freezing my card freeze all card numbers on the same account?
A: No, you need to freeze individual cards. If you wish to freeze other cards that access the same account, you must either instruct the other cardholder to use Freez It via their mobile app or if you’re a joint cardholder, you can use Freez It.
Q: Is there a fee for Freez It?
A: Freez it is a feature of the mobile banking app that is offered as a free service to customers. Message and data rates may apply by your mobile service provider.
Q: Do I have to have a specific account to use Freez It?
A: No, any customer that has a debit card and a smartphone can take advantage of this extra layer of protection for peace of mind.
Q: Can I limit or block specific merchant categories instead of turning my card completely off?
A: Yes, you can set transaction limits and block specific merchant categories. These blocks and limits are in addition to our limits and restrictions already setup. If you choose to block a merchant category, you can click on the category and view a list of types of merchants in that category.
Q: Will previously authorized transactions be paid?
A: Yes, and any recurring transactions that the merchant has coded and identified as recurring, will still occur. Turning your card OFF will not affect your checks, mobile or online banking transfers, bill payments, or any other type of transactions in your account(s). You will need to remove the freeze to set up any new recurring charges.
Q: What happens when I use Freez It to freeze my debit card?
A: Freezing your debit card temporarily stops the following transactions until you unfreeze your card:
- ATM withdrawals
While your debit card is frozen, the following debit card transactions are allowed:
Q: How often can I use Freez It to freeze or unfreeze my debit card?
A: You can freeze or unfreeze your card through our mobile app as often as you like.
Q: Is there a time limit on how long the freeze will remain on my debit card?
A: No, your debit card will remain frozen until you unfreeze it through our mobile app.
Q: Does the freeze status of my card carry over if I receive a new or replacement card?
A: New Debit Card – No, the card number will be different from your old card and the freeze status won’t carry over to the new card. Replacement Debit Card – Yes, the card number will be the same number as your existing card, and the freeze status will carry over.
Q: Is there a way to easily monitor my debit card transactions?
A: Yes, you can stay in control of your debit card expenditures and monitor your account from suspicious activity by using our mobile app, setting up alerts via text, email or Push notifications for all point-of-sale and ATM transactions.
- If you don’t recognize a transaction, contact us immediately at 570-568-6851 during business hours or contact us via our website. If it’s a merchant error that you accidentally authorized, please try to resolve it with the merchant first. If that doesn’t work, contact us using the methods above.
Q: I’m traveling. How do I make sure my card works?
A: Let us know before you go by calling 570-568-6851 during business hours or contacting us via our website. We’ll make sure that you can continue to use your Susquehanna Community Bank debit card without interruption. Using our mobile banking app, be sure to remove any freezes you may have originally placed to ensure your debit card is not rejected.
Q: Do I have to be enrolled for Online Banking to receive Secure Alerts?
Q: Can I use alerts to help guard against fraud?
A: Absolutely. We recommend that all customers set-up Secure Alerts to monitor account activity. When you activate Secure Alerts you’ll know exactly what’s happening with your money, and you can watch for suspicious activity in real-time.
Q: Is there a fee to receive alerts?
A: No. This is a free service. However note that text message and data fees may be charged by your service provider to receive text alerts.
Q: How do I sign up to receive Secure Alerts?
A: Simple. Just log into Online Banking and select Alerts. You can choose the alerts you wish to receive from the Alert Options tab.
Q: Can I send alerts to more than one person?
A: Yes. When setting up alerts, in the Contact Options tab there is a link to add additional email addresses and text numbers.
Q: How do I activate an email address or phone number to receive alerts?
A: When setting up alerts from the Contact Options tab, just click “send activation code”. Type the code you receive into the activation box.
Q: Can I choose to not receive alerts in the middle of the night?
A: Yes. Each alert you choose has a “do not disturb” option. Any alerts generated during that time period will be held until that period ends.
Q: Can I review past alerts?
A: Yes. Log onto Online Banking and go to the Sent Alerts screen. It displays a list of your alerts with the details. You can mark as read or delete past alerts from here. You can also view past alerts from our Mobile Banking app.
Q: How do I delete or modify alerts?
A: From the Alert screen, click the Overview tab to view all of your alerts. Click to Edit or Delete any existing alert.
Q: Can I take action from an alert?
A: Secure Alerts will soon offer the ability to take action directly from the alert.
Q: Can I set up alerts from the Mobile Banking app?
A: Yes. To set up push notifications through our Mobile Banking app, just log on, select More from the main menu, then Alerts. Turn on Push Notifications. Once turned on, you can set up account alerts, security alerts, and view your recent history of alerts sent.
Q: What are the system requirements to receive alerts through the Mobile Banking app?
A: Our Mobile Banking app supports mobile devices using operating system versions of Android 4.1 or Apple iOS 8 or newer.
IDPROTECT®Identity theft can happen to anyone. It’s our top priority to help you better protect yourself, your family and your joint account holders.