Frequently Asked Questions

Below you will find some of our frequently asked questions.   If you have a question that is not listed below, please use the contact page or visit one of our 24 convenient locations.

Q: How can an identity thief get my personal information?
A: Some clever ways used recently include going through trash to get documents with account information, stealing wallets/purses, making phone calls posing as a financial institution to gain account information, stealing mail, creating a fictitious website, just to name a few.

Q: How can I protect myself from identity theft?
A: Never give out personal or account number information over the phone.
Make sure to shred all documents with account information.
If you don’t receive a monthly bill, call as an identity thief may have changed your address to avoid detection.
If you are using a search engine to find a website, insure that it is the real one before entering in your personal or account information.

Q:  How can I learn more?
A:  Visit any Isabella Bank location or visit the FTC website. 

Q: Does Isabella Bank offer an Identity Theft Protection Service?

A: Isabella Bank has partnered with Deluxe Corporation to offer an identity theft protection service through Identity Guard.  Currently, our customers can sign up for 6 months of the Good Start service through Identity Guard free. To learn more or to enroll, click here.

Electronic Services

Q: How do I sign up for your online bill pay service?
A: In order to enroll in Bill Payment, you must also be enrolled for our online banking service. After enrolling for this service, you will need to complete an application form, sign it, and return it to us. This form is available on our website or at any of our convenient locations. To access Bill Payment, you must have a qualified checking account with us that you designate on your application form.

Q: Is online bill pay a free service?
A: Bill pay is a free service on personal accounts. Non-personal accounts will be charged for the bill pay service monthly. The monthly fee is $3.50 and .35 cents for each payment initiated during your monthly checking cycle. (The first month's regular monthly fee will be waived.) These fees may be amended from time to time in accordance with the Rules.

Q: How do I enroll for your eSTATEMENT service?
A: In order to enroll for eSTATEMENTS, you must also be enrolled for our online banking service. After enrolling for this service, you will need to visit the eSTATEMENT tab within our online banking site in order to sign up for this service.

Merchant Capture

Q: What is the latest time that we can transmit a deposit to ensure next day credit?
A: 7:00 p.m. Eastern Standard Time.

Q: Can a company with different accounts but under the same tax ID transmit separate deposits per account?
A: Yes.

Corporate Cash Management

Q: When does the payroll file have to be initiated in order for the deposit to show in the employees account in time?
A: The file must be “initiated” by 3:00 p.m., 2 days prior to the effective date of the payroll deposit.

Q: Must the employee have an account at the same bank as the company in order to sign up for their payroll to be direct deposit?
A: NO. The employee may have an account at any banking institution within the United States.

Trust Department

Q: Must I have a trust to use your investment services?
A: No. You are not required to have a trust to take advantage of our investment services. However, many of our clients choose to have a trust for their estate plan.

Q: What are the advantages of naming Isabella Bank as a corporate trustee of my trust?
A: A corporate trustee offers professional knowledge in investments, tax, accounting, and other aspects of trust administration. Corporate trustees are held to a higher standard of care than individual trustees. A corporate trustee, unlike an individual trustee, does not die or become legally incompetent. A corporate trustee is a neutral party.

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