Frequently Asked Questions

Q: Are my deposit accounts insured?
A: Yes! Your CODE Savings and Checking Plans are federally insured up to $250,000 through NCUA, the National Credit Union Administration. CODE IRAs, are federally insured separately to $250,000.

Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing and transit number, and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within 30 days.

Q: How do I set up Direct Deposit of my Social Security check?
A: CODE has the forms you need to sign up for Direct Deposit of your Social Security check and will fax them for you once they are completed.

Q: Can I get information about my account by phone?
A: Yes! Account information is available by calling 937-222-8971 during regular business hours or you can get automated account information 24 hours a day with PAT, CODE's Personal Audio Teller.

Q: What products can I apply for online?
A: We have a variety of products and services that you can apply for online. Check out our Products & Services and the Applications page for more details.

Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers) and two valid forms of identification. If you have questions, contact us.

Q: Can I look at all of my transactions at any time?
A: Yes! With FREE Access24 Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using Direct Deposit, ATMs or ACH transactions. We also offer Shared Branching, which allows you to conduct your financial transactions at participating credit unions. Get more information on Shared Branching or contact us
for details.

Q: What is Internet Banking?
A: Internet Banking allows access to your online financial transactions through a
personal computer.

Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money, view cleared check images, and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Q: What accounts will I be able to access through Internet Banking?
A: You can access your checking, savings, investment and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security and versatility as possible.

Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Internet Banking supports downloads to Quicken® or as a comma-delimited text file.

Q: When can I use Internet Banking services?
A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demo that is part of the Internet Banking package.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®.

Q: What happens if I forget or lose my password?
A: Just call us at 937-222-8971 and we will take you through the steps needed to get back into the system immediately!

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.

Once the disclosure is agreed to, you complete the online registration form. The registration form is then forwarded us for review. We will then send you a confirmation letter in the mail.

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When is bill payment available?
A: You can schedule payments 24 hours a day, 7 days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
A: You can add payees by accessing the Add A Bill screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
A: Yes!

Q: Is there a limit to the number of bill payment accounts I can set-up?
A: Yes, you are limited to one bill payment account.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone. Charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.

Q: What happens if sufficient funds are not available in the account used for bill payment?
A: If a non-sufficient funds condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and the Bill Payment processor routes the payment incorrectly, the Bill Payment processor is responsible for the late charge and will reimburse any payee-imposed late fees, up to $50.00.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

The Internet Banking service has several effective security techniques that we encourage you to implement when you use the Internet Banking service:

  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  2. Change your password on a regular basis.
  3. Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Balance your account on a regular basis.