Frequently Asked Questions

Accounts

1. How can I open an account?
  You can open an account online or at any branch of Chambers Bank
2. What documentation do I need to provide to open an account?
  You will need a primary ID (driver’s license, passport, military ID or state ID) and a U.S. social security number to open an account online.

To open a personal account at a branch, you will need a primary ID for each signer as well as a secondary ID. If account holder is a minor, a social security card may be used for identification.

Documentation needed for business accounts vary by business and account type. Please give us a call for a detailed list of documentation needed to open a business account.
3. Where can I find my account balance?
  There are multiple ways to find your account balance: in online or mobile banking, or by utilizing our telephone banking service. We are also happy to help you with your account balance at any of our branches or in our Customer Care Center during business hours.
4. What if I don’t have enough in my account to cover a check, purchase, or automatic draft?
  Chambers Bank offers overdraft protection and overdraft privilege options on most checking accounts. (New Opportunity Checking accounts do not have overdraft options).
  • Overdraft protection services help you protect your account from being overdrawn by automatically transferring funds to your checking account from another account you have at Chambers Bank. There is a fee (currently $8 per covered transaction) for each transaction paid by Overdraft Protection.

  • Overdraft privilege allows you to overdraw your account up to the disclosed limit for a fee (currently $30 per covered transaction) to pay a transaction. Even if you have Overdraft Protection (transfer from another account), Overdraft Privilege is still available as secondary coverage if the other protection sources are exhausted.

    Note that the Overdraft Privilege amount is not included in your balance provided through online banking, telephone banking or Chambers Bank ATMs.
5. What’s the difference between my current balance and my available balance?
  The available balance of your account is the amount you can spend right now. To determine whether you have enough money in your account to cover a transaction, we use your account’s available balance, which is based on the deposits and withdrawals to your account and all pending electronic transactions, including pre-authorized transfers, point of sale transactions, and merchant payment authorizations (regardless of whether they have posted to your account).

If you have an available balance that’s lower than your current balance, you should only spend your available balance (or less if you have outstanding checks), because the rest of the money is being held for pending charges. Current balances include all your money, including all available funds and funds that are being held.

For example, if your available and current balance are both $100 and you swipe your debit card at a store for $20, a hold is placed on your account for $20, so your available balance would be $80 while your current balance would still be $100. If you had written a check for $90 that was processed before the store charge of $20 was processed, the store charge would have caused your account to be overdrawn by $10.
6. What does it mean when a transaction is “pending” or “in process” on my account?
  Pending transactions are usually listed at the top of your online banking account as “in process” and often indicate a pre-authorization for a charge that hasn’t finalized on your account. Pending transactions will reduce your available balance but not your current balance.

Common pending charges include using your debit card at a gas pump or at a hotel. Depending on the gas pump, you may have a pending charge of $1 - $100, with the final, actual charge not hitting your account for several days. And when you use your debit card at a hotel or to rent a car, they will likely authorize an amount even greater than the actual amount they expect you to spend to cover for potential charges like using the minibar or damages to the vehicle. While this is common practice and is perfectly legal, it can tie up your money for a week or so before the extra held money drops off and the actual charge is made to your account.

Chambers Bank cannot change pending charges to your account; you should contact the business that issued the pre-authorization to inquire about when the final amount will be deducted from your account.
7. In what order does Chambers Bank process transactions?
  We post items in the following order: (1) credits, (2) ATM and debit card transactions (in the order received), (3) ACH debits (order received), (4) checks (check number order).
8. How do I find my routing number and account number?
  The Chambers Bank routing number is 082907008. Your account number is the second set of numbers located on the bottom of your checks and can be located at the top of your eStatements. We can also give you your account number at the branch.
9. How can I transfer money from one of my Chambers accounts into another Chambers account?
  You can easily transfer funds between your Chambers checking and savings accounts by using online or mobile banking. Just keep in mind that, if you’re transferring money from a savings or money market account that has monthly withdrawal limits, transferring funds from the account will count as one of your withdrawals for the month.
10. How can I transfer money from my Chambers account to an account at another bank?
  People Pay is the easiest way to send money to anyone, no matter where they bank. All you need is the recipient’s email address or mobile phone number, and you can send money to anyone using your Chambers Bank account.
11. What are the differences between a checking account and a savings account?
  Checking accounts are generally used for everyday spending while savings accounts are primarily used for growing your money. Checking accounts are better for regular transactions such as purchases, bill payments and ATM withdrawals; they typically do not earn interest unless they have minimum balance requirements. Savings accounts usually earn interest, and because of that, often have a monthly limit on how often you can withdraw money without paying a fee.
12. How do Certificates of Deposit (CDs) work?
  Certificates of Deposit provide an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched for a predetermined amount of time. Typically, longer-term CDs earn higher interest than shorter-term CDs, and there is a penalty charged for withdrawal before the end of the term. Rates change often, so give us a call or stop by a branch for current CD rates.

 

ATMS

13. Where does Chambers Bank have ATMs?
  Chambers Bank currently has 22 ATMs throughout out branch network.
14. Will I be charged a fee for using a non-chambers ATM?
  hen you use your Chambers Bank debit card to withdraw cash at a non-Chambers ATM, you’ll typically be charged fees by the company that operates that ATM in addition to any fees that we may charge. And if you use an international ATM, you may be charged both a flat fee and a percentage of the amount withdrawn, which can add up quickly.

To eliminate ATM fees, always use a Chambers Bank ATM to withdraw cash, or use your debit card at a store that allows you to get cash back with a purchase (i.e., grocery store). We can also give you cash from your account during regular business hours at any branch.
15. My card was not returned from the ATM. What do I do? 
  If you were attempting to use any ATM and your card was not returned, your first priority is to secure your card from unauthorized use by locking your card. You can lock your own card using our SecureLOCK Equip app, or call us at 1-877-495-2236 immediately.

Once your card has been locked, contact the owner of the ATM about retrieving your card. If it’s a Chambers Bank ATM, call the branch where the ATM is located so that we can attempt to retrieve your card from the machine during regular business hours.
16. The ATM did not dispense the money I requested. What do I do?
  If you attempted to withdraw money and it was not dispensed, the most common issues are that there is not enough money in the account to cover the withdrawal or that you didn’t input the correct PIN for your debit card. If that is not the case, the ATM may have experienced a technical error or power failure, and you may wish to try your transaction again. 

 

Bill Pay

17. How does bill pay work?
  Online Bill Pay is a fast and easy way to make payments without the hassle of writing checks. At any time, from any computer or your smartphone, you can make one-time payments, set up repeating payments to be paid automatically from your account, monitor payment information, and set up automatic email notifications to alert you when payments have been made.
18. Is there a fee to use Bill Pay?
  There is no charge to use our Bill Pay service.
19. How do I set up Bill Pay?
  To use Bill Pay, you must first enroll in online banking and accept Chambers Bank’s online banking terms and conditions. Once you’re enrolled in online banking, it’s easy to enroll in Bill Pay.
20. How long does it take for Bill Pay payments to process?
  Payees who accept electronic payments will be transmitted on the date you specify. For payees who do not accept electronic payments, a check will be mailed from Chambers Bank to the payee’s mailing address you entered when you set up the payee in Bill Pay. If the payee does not accept electronic payments, we recommend that you request payment at least five (5) business days prior to the date the bill is due. Chambers Bank is not responsible for any late payment fees assessed by the payee.
21. What is the cutoff time for same-day processing?
  Payments must be scheduled prior to 3:00 p.m. CST to be processed the same day.
22. How much history can I see in Bill Pay?
  You can access up to 12 months of history in Bill Pay. Note that 30 days is the default; you can change the time under the “View” drop down menu to access your Bill Pay history.
23. What are eBills?
  eBills are electronic versions of paper bills. An eBill arrives from the biller into your Chambers Bank Bill Pay account (just like a paper bill arrives in your mailbox). By using Chambers Bank Bill Pay, you can view all of your bills – including account balances, transactions and statements – in one convenient location. You can also set up email alerts to notify you when a new eBill arrives in your Bill Pay account.

To securely link a payee account with Bill Pay, enter your online userID and password from the designated payee, and select a billing frequency. Bill Pay will confirm your login and connect with your payee account to set up eBills. Note that it may take up to two billing cycles to receive an eBill, so continue to make your payments as scheduled until you receive an eBill.
 

 

Business Banking

24. What kinds of features and services does Chambers offer for business customers?
  We offer a variety of features and services for business customers, including ACH processing, bill pay, credit card processing, lockbox payment processing, multiple user functionality, online wires, positive pay, remote deposit, financial reporting, and zero balance accounts. Contact us to discuss how we can help your business.
25. How do I know what kinds of banking services my small business needs?
  Your business is unique, and your business needs are too. We have a dedicated team for business services who would love to chat with you and help you figure out your ideal business banking options.

 

Checks

26. How do I order checks for my account?
  You can order checks via online banking, at any branch, or by calling Customer Care at 1-800-603-1226. To order via online banking, sign into your account and select “More” under the top navigation, choose “Customer Service,” then select “Check Reorder” under the Support section. You will be redirected to the Harland Clarke website, our official check provider. You will need to know your routing number (082907008), your account number, and the zip code associated with your account. Once you enter your information, you can access design options and view the costs associated with each design and quantity.
27. How long does it take to receive new checks?
  Harland Clarke typically ships check orders within two (2) business days. You can check the status of your order via the Harland Clarke website.
28. How much do checks cost?
  The cost of checks varies depending on account type, check design, and quantity ordered. Chambers Club checking accounts include free standard design checks.
29. Are there alternatives to writing checks?
  There are several alternatives to writing checks, including using your debit card for point-of-sale purchases and using Bill Pay for bill payment. You can also utilize People Pay to send money to anyone using their email address or mobile phone number.
30. How do I get a copy of a check?
  With online banking, you can display copies of all checks written on your account just by clicking on that transaction. Fifty Plus, Chambers Club and Chambers Choice account holders can choose to receive monthly paper statements that include images of all checks. All checking account holders can request copies of checks at their local branch or by calling our Customer Care team at 1-800-603-1226.
31. How do I stop payment on a check?
  You can stop payment on a check by logging into online banking and selecting “More” on the top navigation bar, then choosing “Customer Service” and “Stop Check” in the Support section. You can also access a list of Current Stopped Checks in the same section.

If you do not have online banking, you can visit a branch or call Customer Care to request stop payment on a single check or a range of checks.

 

Credit Cards

32. Does Chambers Bank offer credit cards?
  Through a partnership with TIB the Independent Bankers Bank, Chambers offers credit cards for both personal and business use.
33. How do I apply for a Chambers credit card?
  The easiest way to apply is via online banking. You can also download a paper application and return it to a branch for processing, or you can submit it via fax or US mail.
34. Can I pay my credit card payment at my local branch?
  You can make payments on your Chambers Bank credit card online or at any branch.
35. What if my Chambers credit card is lost or stolen?
  If you lose your card or it is stolen, call TIB at 1-800-367-7576 immediately to protect your account from unauthorized use.

 

 

Debit Cards

36. How do I activate my debit card?
  To activate your Chambers debit card, call 1-866-633-5293 and follow the voice prompts.
37. What if my card is lost or stolen?
  If your card is lost, stolen, or even temporarily misplaced, please lock it immediately to stop unauthorized use. You can lock your own card using our SecureLOCK Equip app or give call us at 1-800-603-1226 during regular business hours or 1-800-500-1044 anytime to report a missing card.

If you lock your card using SecurLOCK Equip, you can unlock it if you later find it. Otherwise, give us a call or stop by a branch and we will issue you a new card with a new card number.
38. Can I change my PIN?
  When you activate your Chambers debit card, you will select your own four-digit PIN. If you forget your PIN or need to change it, please call Customer Care at 1-800-603-1226.
39. Can I change the design of my debit card?
  Chambers Bank offers many design options for your debit card, including standard and premium designs. You can also upload a photo and create your own Custom Debit Card.
40. What are my daily limits on my debit card?
  Personal account holders can spend up to $3,000 per day on point-of-sale transactions and can withdraw up to $610 per day using an ATM. Need a higher limit for a big purchase? Give us a call at 1-800-603-1226 and we can temporarily increase your transaction spending limit.
41. If my card expires, will I receive a new card in the mail?
  Chambers Bank debit cards have default expiration dates of 36 months from the time of issue. You will receive a replacement card via U.S. mail approximately two weeks before your card’s expiration date. If you wish to change the design of your card, please contact us at least one month before your card expires.
42. How can I request a new or replacement debit card?
  If you wish to change your card’s design, you get an instant-issue card at any branch or order a Custom Debit Card online. If your card is lost, stolen or misplaced, please let us know immediately so that we can cancel your card and order you a new card with a new number.
43. Can I use my debit card for online purchases?
  You can use your debit card for online purchases but be careful to only put your debit card information into sites that are secure. When shopping online, look for website addresses that begin with HTTPS:// rather than HTTP://.. The “S” stands for “secure” and that means that your account information is encrypted when it is sent to the shopping site for payment. Sometimes you’ll even see a locked padlock alongside the HTTPS. The presence of either or both of these, are good indicators that you can trust the website.
44. If I am traveling to another state or country, will my debit card work?
  If you are traveling out of state or especially internationally, give us a call at 1-800-603-1226 and let us know so that we can make sure your card will work in the state or country where you’ll need to use it.

With our SecurLOCK Equip app, you control where and when your card is used, so you can change the settings when you travel to ensure that your debit card works, and change it back when you’re at home. 
45. Is there a fee to use my debit card outside of the United States?
  If you use your debit card while traveling internationally, you may be charged a foreign transaction fee. Using your Chambers debit card internationally will incur a foreign transaction fee of 1% of the purchase price, and if you use an ATM outside of the U.S. to withdraw money, you will likely be charged additional fees by the company that owns the ATM. Make sure you understand all fees associated with the transaction before using any non-Chambers ATM, whether at home or abroad.
46. What is an EMV chip-enabled debit card?
  EMV (Europay, MasterCard and VISA) chips are the small, metallic, square computer chips that appear on debit, credit and prepaid cards to help safeguard them from fraud by creating a one-of-a-kind code for each credit transaction. When possible, you should utilize EMV chip technology when using your debit card for additional fraud protection.
47. What is a merchant authorization?
  Merchant authorizations are usually listed as “in process” transactions at the top of your online banking account and often indicate a pre-authorization for a charge that hasn’t finalized on your account. Merchant authorizations will reduce your available balance but not your current balance.

Common merchant authorizations include using your debit card at a gas pump or at a hotel. Depending on the gas pump, you may have a pending charge of $1 - $100, with the final, actual charge not hitting your account for several days. And when you use your debit card at a hotel or to rent a car, they will likely authorize an amount even greater than the actual amount they expect you to spend to cover for potential charges like using the minibar or damages to the vehicle. While this is common practice and is perfectly legal, it can tie up your money for a week or so before the extra held money drops off and the actual charge is made to your account.

Chambers Bank cannot change merchant authorizations to your account; you should contact the business that issued the authorization to inquire about when the final amount will be deducted from your account.
48. How old do I have to be to get a debit card?
  Customers under the age of 18 need parental consent to have a Chambers Bank debit card. Give us a call for more information.

 

Deposits

49. How can I deposit cash or checks into my account?
  You can deposit checks using your smartphone via mobile banking. Both cash and checks can be deposited at our drive-thru windows or in our lobbies during regular business hours.

While you can use our ATMs to deposit checks, those checks may not be credited to your account as quickly as by other means since ATM deposits are only gathered once per day. We do not recommend using the ATM to deposit cash.

Customers may use the Night Deposit drawer available at most branches for after-hours deposits by utilizing an envelope or deposit bag. If you are a business customer who needs to make large deposits in the Night Deposit drawer, contact us for access options.
50. How long does it take for a deposit to be credited to my account?
  Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash, and we will use them to pay checks that you have written. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. See our Funds Availability Disclosure for additional information.

 

Fraud & Scams

51. How can I reduce the risk of fraud on my debit card?
  The easiest way to reduce fraud on your debit card is to download and use our SecurLOCK Equip app, which controls how, when and where your card can be used. You can also set up alerts to tell you every time your card is used, or when the amount charged is over the minimum amount that you set.

You should always keep your debit card in a secure location and never share your number or PIN with others. When using your debit card online, make sure that the website is secure and that all of your personal and bank account information is protected by encryption.
52. How can I stop my card from being used in certain locations or at certain stores?
  With the SecurLOCK Equip app, you can specify the geographic location and/or merchant type you approve for transactions, and you can change your preferences at any time. You can also include age restrictions like liquor and cigar stores, casinos, bars and lottery purchases.
53. I received a call from someone claiming to be Chambers Bank. How do I know if it’s legitimate?
  These days, it’s possible for scammers to change their Caller ID to indicate that they’re from Chambers Bank, so never give out your personal or banking information to anyone unless you initiated the call. If someone calls and claims to be from Chambers, ask for a callback number and make sure the number you call is one that is published on our website. We understand how important it is to protect your personal information and we will always allow you to call us back on a number you trust.

As a reminder, we will never call you and ask you to give us your account number or debit card number.
Loans
54. How do I apply for a loan?
  Chambers Bank offers consumer and commercial loans. Please call a branch to talk with a Loan Officer about your loan needs. We’re here to help!
55. What documents are needed to apply for a loan?
  The documents required to apply for a loan vary depending on the type and amount of loan you are applying for. In general, you should be prepared to provide your 2-3 most recent federal tax returns, a current W2 or paystub, a current personal financial statement and a copy of your government-issued ID. Your lender will help guide you through the application process and let you know of additional information that may be needed. 
56. What if I can’t make a loan payment on time?
  If you are unable to make a scheduled loan payment for any reason or are concerned that you might not be able to make a payment in the near future, it is always best to contact your loan officer as soon as possible. Your lender will discuss your situation with you and offer any options that might be available. Early communication is important to avoid late fees and possible negative reporting to your credit report.
57. Can I pay my loan online?
  You may make a loan payment online through Chambers Bank online banking if you have your loan and a deposit account with Chambers Bank. If your deposit account is held at another bank, we can help you complete and submit an ACH Authorization Form to have your payment made automatically from an outside account. Contact your local branch for more information.
58. Can I make a loan payment at my local branch?
  You can make a loan payment online, at a local branch, or via U.S. mail. We can also help you set up automatic payments from your checking or savings account.
59. What is the deadline to pay my loan for same-day processing?
  Loan payments must be received by 4:00 p.m. CST for same-day processing.
60. Do you do mortgage loans?
  Absolutely! We offer a variety of secondary market mortgage loans for home purchases and mortgage loan refinancing. You can reach out to a mortgage loan officer with questions or apply for a mortgage loan online.

 

Mobile Banking

61. How can I access my bank account on my phone or tablet?
  Once you’re enrolled in online banking, download the Chambers Bank mobile app from the Apple or Google Play app store. Use your Chambers Bank online banking username and password to access mobile banking. All you need is Wifi or cellular access to view your account anytime, anywhere.
62. What can I do on the Chambers Bank mobile app?
  With the Chambers Bank mobile app, you can deposit checks, transfer funds between accounts, view your balances, confirm deposits or withdrawals, pay your bills, and pay anyone just by using their email address or mobile phone number. You can also use the app to find the nearest Chambers Bank branch or ATM.

You can also access the Chambers Personal Finance tool through the app. Personal Finance is a digital money management tool, integrated into online and mobile banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization, and mobile access are just a few of the tools to guide you along your way. And it's all available at no additional charge for Chambers Bank online banking customers.
63. Is there a fee to use the Chambers mobile app?
  There is no additional charge to use the Chambers mobile app.
64. How does mobile deposit work?
  With mobile deposit, you endorse your check, then take a photo of the front and back of your check using your Chambers mobile app. After uploading the photos, you can submit your deposit for approval. You will receive an email confirmation once your deposit has been approved. 
65. Is there a limit to what I can deposit via the mobile app?
  You can deposit up to $5,000 daily via mobile deposit.
66. How do I endorse my check if I’m using mobile deposit?
  When using mobile deposit, simply sign the back of your check, write your account number, and write “For Mobile Deposit.”
67. Are there restrictions on what kinds of checks I can deposit using mobile deposit?
  You can deposit personal checks, business checks, cashier’s checks and government-issued checks via mobile deposit under $5,000, including tax refunds and stimulus checks. Foreign checks, third-party checks, money orders and traveler’s checks cannot be deposited via mobile deposit.
68. What do I do with the physical check after I have deposited it via mobile?
  Once your mobile deposit has been submitted and approved, please retain the check for 30 days. After 30 days, you may destroy the check by shredding it.
69. If I lose my cell phone, can my account be accessed by someone else?
  A password or Face ID are required to access the Chambers Bank mobile app. If someone has your cell phone and is able to log into it and access your apps, they would not be able to log onto your Chambers Bank mobile app without knowing your Chambers online banking password.

 

Online Banking

70. How do I set up online banking?
  Once you have opened a checking, savings, money market or loan account with Chambers Bank, you can set up Chambers online banking by logging onto our homepage and selecting “Sign up for Online Banking” under the login tab.
71. What information is available in Online Banking?
  With Chambers online banking, you have 24/7/365 access to your account balances, Bill Pay, eStatementsPeople Pay and Personal Finance. You can also set up account alerts to notify you via text and/or email of low balances, withdrawals over a certain amount, deposits above a set amount, and account transfers.
72. My account is locked. How can I unlock it?
  After three incorrect password attempts, the online banking login page will display a message indicating that you can reset your password. A one-time security code will be sent to the mobile phone number associated with your account. Once you enter the code you receive on your phone, you will be prompted to change your password.

If you know your password and want to continue using the same one, give us a call at 1-800-603-1226 to unlock your online banking account. Note that your password is encrypted, so we cannot tell you what your password is; we can only unlock your account.
73. I’ve forgotten my UserID or password. How do I recover those?
  If you know your UserID but can’t remember your password, sign in using your UserID and select “Forgot Your Password?” You will be asked for a one-time security code, sent to you via a phone call or text to the phone number associated with your bank account, to confirm your identity. Once your identity has been confirmed, you will be asked to choose a new password.

If you’ve forgotten your UserID, you can recover it online by verifying your account type, account number, first and last names, and your social security number.

You can call our Customer Care team at 1-800-603-1226 to have your UserID and/or password reset. Please be prepared to answer questions to confirm your identity before we will reset your UserID or password.

Overdraft Options

74. What’s the difference between overdraft protection and overdraft privilege?
 
  • Overdraft protection services help you protect your account from being overdrawn by automatically transferring funds to your checking account from another account you have at Chambers Bank. There is a fee (currently $8 per covered transaction) for each transaction paid by overdraft protection. 
  • Overdraft privilege allows you to overdraw your account up to the disclosed limit for a fee (currently $30 per covered transaction) to pay a transaction. Even if you have Overdraft Protection (transfer from another account), Overdraft Privilege is still available as secondary coverage if the other protection sources are exhausted.


Chambers Bank offers overdraft protection and overdraft privilege options on most checking accounts. (New Opportunity Checking accounts do not have overdraft options).

75. What is the fee for an overdraft?
  The current fee per covered transaction is $30. For consumer accounts, there is a limit of six (6) overdraft fees ($180) per day.
76. How do I keep my account from being overdrawn?
  Overdraft protection helps you protect your account from being overdrawn by automatically transferring funds to your checking account from another account you have at Chambers Bank. There is a fee (currently $8 per covered transaction) for each transaction paid by overdraft protection.

You can also set up account alerts to notify you via text and/or email of low balances so you can transfer or deposit funds into your account if needed.

 

People Pay

77. How does People Pay work?
  People Pay is an easy, quick and convenient way to pay anyone, anytime by using Chambers Bank online banking or with the Chambers Bank mobile app! With a few clicks on your computer, tablet or smartphone, you can pay anyone – no matter where they bank – via a text message or email. People Pay deducts the funds directly from your Chambers checking or savings account, and there is no cost for senders or recipients to use People Pay.
78. How do I set up People Pay?
  You must be enrolled in Chambers online banking to use People Pay. If you are not already enrolled in online banking, visit our homepage and click "Sign Up for Online Banking."

Once you’re enrolled in online banking, it’s easy to set up and use People Pay. There are step-by-step instructions (including screenshots) available on our website.
79. How long does it take for People Pay payments to process?
  Recipients are notified immediately via email or text message of your payment. How long it takes the payment to process depends on how the recipient chooses to receive the money (bank account, debit card or PayPay). Learn more about the options for claiming money via People Pay.
80. Is there a fee for People Pay?
  There is no cost for senders or recipients to use People Pay.

 

Personal Information

81. If I call the bank, what information will I need to know to access my account information?
  When you call us to get your balance or other account information, we will ask you several questions to confirm your identity and validate your access to that information, because we want to make sure we protect your identity and account. To expedite the process, you may wish to write down your bank account number and driver’s license number before you call.
82. How do I update my address or phone number on my account?
  To update your address or phone number, call Customer Care at 1-800-603-1226 (we will verify your identity when you call), or stop by any branch. You can also update your account information by logging into Online Banking via a desktop computer and entering your new address and/or phone number.
83. What documentation do I need to change my name on my account?
  To update the name on your account (marriage, divorce, etc.), simply provide us with an ID showing your new name. This could be a driver’s license or social security card.
84. How do I add or remove someone from my account?
  To add or remove someone from your account, contact your branch to update your signature card. If you are removing someone from your account for any reason other than death, that person will also need to sign off on their removal.

 

Safe Deposit Boxes

85. What locations have safe deposit boxes?
 

Chambers Bank currently has safe deposit boxes at the following branches:

  • Amity
  • Atkins,
  • Conway-Hogan
  • Conway-Oak
  • Danville-Main
  • Danville-Hwy 10
  • Dardanelle-4th & Union
  • Dardanelle-6th & Union
  • Dover
  • Elkins-Main
  • Fayetteville
  • Fort Smith
  • Havana
  • Hot Springs Village
  • Mansfield
  • Mena
  • Rogers
  • Russellville-Parkway
  • Russellville-Skyline
  • Springdale
  • Waldron
86.  How much does it cost to rent a safe deposit box?
  Size, cost and availability vary by location. Annual box rental ranges from $15 to $50, depending on size. If you prefer, you can sign an authorization form and we will be pleased to deduct your annual rent from your account. There may be additional fees for key deposits and lost keys. Contact your local branch for more information about these fees.
87. What can I keep in my Safe Deposit Box?
  Safe deposit boxes are good for small, important, and valuable items (including documents) that you want to protect. These should also be items that you don’t need readily available at all times.

Things you may want to keep in your Safe Deposit Box include birth and adoption certificates, marriage certificates, copies of wills, copies of power of attorney, vehicle titles, investment information, photos and negatives, copies of driver’s licenses and passports, household inventories, bank and credit card account Information, real estate deeds, pet ID information, stock certificates and bonds, precious metals, jewelry, and collectibles that cannot be insured, hard drives and flash drives with important data, citizenship papers, insurance information, business records, diplomas and transcripts, real estate warranties, social security cards, military records, important contracts, immunization records, and any other items that you believe are irreplaceable (or would be difficult or expensive to replace).
88. What if I lose my key to my Safe Deposit Box?
  If one key is lost, bring in the remaining key and close the box. If both keys are lost, the box must be forced open in your presence and at your expense. You will be charged a fee for replacement keys.
89. Are my box contents insured?
  The contents of your box are not covered unless you insure them yourself. To ensure privacy and security, we should never know what’s in your box. As a result, coverage under our insurance policy or by any regulatory agency would be impossible. Ask your insurance agent about the available options to insure items stored in the box.
90. In the event of my death, who is authorized to remove my box contents?
  Safe deposit laws differ from state to state. In most states, if you have a jointly rented box, other authorized renters may remove all contents without restrictions. If you are the sole renter, access is restricted and only granted to someone who presents a (Will Search) court order. At our discretion, we may also grant access to your spouse, parent, adult, descendant, a person named as the estate representative in your Will or other interested persons. However, only your life insurance policies, burial deed or Will may be removed and delivered to this designated person. Nothing else may be removed until proper estate documents are provided.
91. Will you accept a general power of attorney or a handwritten note authorizing access to my box?
  We will not honor either of these requests. We have no way of knowing if these documents have been revoked, whether you are still living or if you were of sound mind when they were signed. Appointing a deputy, agent or guardian are recommended alternatives.
92. What if I don’t pay my box rent?
  Your rental agreement specifies that you will pay your annual rent one year in advance. If this rent is not paid on or before your specified due date, it is delinquent. We will attempt to notify you by mail. If there is no response, we will take the prescribed action in accordance with state law and the past due clause in your safe deposit contract. Any expenses directly or indirectly incurred in this collection process will be added to your past due rent, and your account may be turned over to a credit and/or collection agency.
93. Is your vault fireproof, waterproof, or burglarproof?
  No institution can guarantee 100% vault security. Vaults are merely “resistant” to fire, floods, burglary, and other unavoidable perils. (Please refer to previous insurance question.)
94. If I become sick, disabled, or take an extended vacation, can I appoint a deputy to be responsible for my box contents?
  Deputy appointments are easily accomplished. It simply requests that all renters and the deputy be present during this appointment. The deputy should be given one of your keys for access. It’s important to remember that we take no responsibility for the deputy’s action. Upon proper notification of your death or incompetency, the deputy’s right of access will cease.

 

Statements

95. When will I receive my account statement?
  Your statement date may vary by account type:
  • Free Checking - 24th of month
  • Chambers Choice - End of month
  • Chambers Club - 16th of month
  • Money Market - End of month
  • Fifty Plus - 16th of month
  • Small Business - End of month
  • Business Interest - End of month
  • Business Money Market - End of month
  • IOLTA - End of month
96. How can I access old statements for taxes or other purposes?
  With eStatements, you can instantly access and download up to 18 months of account statements via online or mobile banking. If you do not have eStatements or need statements that are older than 18 months, please contact us for assistance.
97. What if there is an error on my statement?
  If you have a question about your electronic or printed bank statement, please contact us for assistance.
98. How can I sign up for eStatements?
  Signing up for eStatements is easy! Just visit our eStatements page for step-by-step instructions on enrollment. And while we’re happy to walk you through how to sign up, enrolling in eStatements is not something we can do for you.
99. How will I know when my statement is available if I have eStatements?
  You will receive an email to the email address on your account when a new eStatement is available for review and download.



Telephone Banking

100. What is telephone banking?
  With telephone banking, you can call an automated line 24/7/365 to get your account balance and find out other information about your checking, savings, CD, IRA or loan account.

Please note that the telephone banking is an automated system and does not have a “live” person to answer your questions. If you wish to speak with someone, please call our Customer Care Center at 1-800-603-1226; there is a live, local person available to assist you 8:00 a.m. - 5:00 p.m. Monday–Thursday and 8:00 a.m. - 5:30 p.m. on Friday. We are happy to provide assistance in English or Spanish.
101. How do I set up telephone banking?
  To use Chambers telephone banking, call 1-877-495-2236 or 479-495-3279. You will be asked for your alternate electronic Access ID, which is the area code of your primary phone number on your Chambers Bank account, your two-digit birth month, and the last four digits of your social security number. So, if your phone number is (479) 495-0000, you were born in April and your social security number is 123-45-6789, your Access ID would be 479-04-6789.

The first time you call, you will be asked to establish a Personal Identification Number (PIN) by entering the last four digits of your social security number, then creating a four-digit telephone banking PIN.

If you have the same alternate electronic Access ID as another customer, the system will tell you that you have entered the wrong access ID number. Please call the Customer Care Center at 1-800-603-1226 to have your Access ID number changed.
102. What information about my account can I get via telephone banking?
  If you have a checking, savings, CD or IRA account, you can use telephone banking to hear your current/available balance, recent activity, search recent checks cashed or deposits made, and transfer funds between accounts.

If you have a loan account, you can use telephone banking to hear your current balance, the last payment amount, next payment due date and amount due, current interest rate on your loan, or make a payment.

Miscellaneous Questions

103. Do you have Spanish speakers in all your branches?
  Some of our branches do have bilingual staff, but we also have bilingual team members who can assist you in our Customer Care Center. Give us a call at 1-800-603-1226 for assistance in English or Spanish.
104. Do you have a Notary Public available at all branches? If so, is there a fee?
  There is a Notary available at most branches; please give us a call to make an appointment for Notary services.

Customers with Chambers Club and Fifty Plus accounts receive complimentary Notary service. All other customers may be charged a fee for notarization services not related to your Chambers account.
105. Will the bank sponsor my event or donate to my cause?
  As a community bank, Chambers supports numerous causes and community events. To inquire about donations and sponsorships, please visit a branch or email marketing@chambers.bank. Preference is given to customers of Chambers Bank.
106. Is my account FDIC insured?
  Your Chambers accounts are insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). There are insurance options for accounts in excess of $250,000; please contact us for details or a complimentary deposit insurance estimate.
107. I’m not sure who to contact with my question or concern. Who can help?
  We’re here to help with all of your Chambers Bank-related questions! If you need assistance with your account, reach out to a branch or our Customer Care team.

All general inquires can be sent via our web form. For security purposes, please do not include your account number, social security number or other sensitive information when submitting the web form.



 

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