Accounts
Access:
- You are listed as one of the account owners.
- We have your name and Social Security Number linked to the account.
- If you have any questions about why you cannot view any of your accounts through Online Banking, please call 814-944-0843 or stop by
either branch.
Passbook Savings Account:
In order for you to have the ability to make transfers from your Savings Accounts, we have to mail you a monthly Savings Account Statement.
The Savings Account Statement can be combined with your monthly Checking Account Statement as long as the account ownership is the same.
Christmas Club Account:
You are able to make deposit transfers to your Christmas Club Account. However, you cannot make withdrawals from your Christmas Club Accounts.
Vacation Club Account:
You are able to make deposit transfers to your Vacation Club Account. However, you cannot make withdrawals from your Vacation Club Account.
Estimated Loan Payoff:
- The estimated payoff IS NOT to be used as the actual payoff.
- Payoffs cannot be processed online.
- Real Estate loans are subject to satisfaction fees.
- Please contact one of our branches for final payoff figure.
Password Security
The safety of our customers' accounts and account information is of paramount importance to Investment Savings Bank. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Service or to let anyone know your Password used with the Service. You agree to assume responsibility for all transactions initiated through the Service with your Investment Savings Bank User-ID, up to the limits allowed by applicable law. While Investment Savings Bank continues to provide our customers with the level of on-line security we believe necessary and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Investment Savings Bank representative will ever call and ask for your Access ID or User Password.
Lost or Stolen Password:
If your Password has been lost or stolen, call Investment Savings Bank immediately at (814) 695-7551 or (814) 944-0843 between 9:00 AM and 4:30 PM, Monday thru Friday. Telephoning Investment Savings Bank is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your Password.
Regulation D
This notice is to inform you of withdrawal and transfer limitations on your Money Market Deposit Account, Statement Savings Account and Passbook Savings Account. Please take a minute to review the following important account information.
Under FDIC Regulation D 204.2(d) (2), you are permitted to make no more than six(6) transfers and withdrawals, or a combination of such
transfers and withdrawals, per month to another account (including a transaction account, such as a checking account) at the same financial institution or to
a third party by means of a preauthorized or automatic transfer or telephone agreement, order or instruction,or by check, draft, debit card, or similar order made
and payable to third parties.
Unlimited Transactions:
- Automatic Transfers for the purpose of paying loans at the same institution.
- Withdrawals and transfers to another account at the same institution that are made by mail, messenger, automated teller machine(ATM) or in person.
Limited Transfers:
- Checks payable to third parties.
- Transactions made with a point-of-sale(Visa Debit Card).
- ACH Debits(prearranged debits from your account such as insurance payments).
- Transfers from a savings account pursuant to a preauthorized arrangement to cover overdrafts on a transaction(checking) account (Savings Sweep).
- Transfers from a savings account through a voice-response(Telephone Banking) or PC Banking system (Internet Banking).
- Money Market Deposit Accounts can have no more than three(3) transfers and withdrawals made by check, draft, debit card or similar order.
