FAQs

General FAQs

How can I find out if a check has cleared, what my balance is, or amount of my Direct Deposit?

You may call us at 800-837-3491, log onto your Online Banking Account, or log onto your Mobile Banking Device.

How can I transfer between two accounts?

You can visit the Ashley or Zeeland location; call us at 800-837-3491, log onto your Online Banking Account, or log onto your Mobile Banking Account.

How do I place a stop payment on an item?

You can place a stop payment by visiting the Ashley or Zeeland location. Stop payments can also be initiated over the phone. However, a verbal request for a stop payment is only valid for 14 days. You will need to make arrangements to stop in to the bank to sign the stop payment request or have the form mailed to you. The information needed to process a stop payment request includes:

  • Name of Payee
  • Check Number
  • Amount
  • Date Written

How do I receive a Wire Transfer?

There is a $15.00 fee to receive a wire transfer.  To receive either a domestic or international wire at MCB, please call us for the specific wiring instructions at 800-837-3491 and ask for someone in the Wire Department.

How do I reorder Checks?

Online check ordering:

Go to Products & Services

And then Additional Services  

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You can also visit the Ashley or Zeeland location, or you can call us at 800-837-3491 and ask for a Teller or a Personal Banker.

How do I send a wire transfer?

There is a $15.00 fee to send a domestic wire transfer and a $40.00 fee to send an international wire transfer.
To send a wire, MCB will need the following information:

  • The receiving bank’s ABA number (routing number) and name of the bank
  • The name of the receiving bank.
  • Account number of beneficiary
  • Beneficiary name (person or firm to whom the wire is being sent)
  • Beneficiary physical address (not a P.O. Box)

Sometimes the receiving bank requires additional information.  Please contact the receiving bank to obtain their “wiring instructions.”

To send a wire transfer, please visit us in person.  For additional information contact us at 800-837-3491 and ask for someone in the Wire Department.

If I have a checking account and a loan can I make an automatic loan payment?

Yes, either at the time your loan is funded or at any time throughout your loan you can request to have your scheduled payments automatically deducted from your checking account.  An automatic transfer authorization form will need to be completed and signed in order to set up the transfer.  Please visit or call us at 800-837-3491 and ask for someone in the Loan Department.

If I have a checking account at another bank can I make an automatic loan payment?

Yes, you will need to complete and sign an Authorization Agreement for ACH Transactions.  Please visit or call us at 800-837-3491 and ask for an ACH Representative.

What is the FDIC insurance limit for my accounts?

Your deposits at MCB are fully insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), and are therefore backed by the full faith and credit of the U.S. government.  Please keep in mind, FDIC coverage depends on the type of accounts you have and the ownership of those accounts.  You can learn more about FDIC coverage and how you are impacted by visit the FDIC Website.  Estimate your coverage by accessing the FDIC Electronic Deposit Insurance Estimator (EDIE).  For more information please visit us or call us at 800-837-3491 and ask for a Personal Banker.  

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov

When do I need to get my deposit in by to still show up on today’s business day?

If you come into the lobby you need to complete your transaction by 4:00 pm CST.  If you use Online Banking or Mobile Banking transfers/payments performed by 5:00 pm CST.

What is required to open a Checking or Savings Account?


You must bring a photo ID; if the street address on the photo ID is different from your current street address we need proof that you live there such as a utility bill.  Also need a SSN or EIN.  All signers and owners of the account should be present

Debit FAQs

How can I get a debit card?

A Debit Card Application can be obtained from any member of our staff, complete the application and return it to the bank in person or via mail.

How can I get a replacement debit card?

If you lose your card or the magnetic strip seems to quit working, call 800-837-3491 and ask for a Debit Card Representative and we will get you a new card.

How do I activate my card?

Call the 800 number on the sticker on the card or call MCB at 800-837-3491 and ask for a Debit Card Representative.  

How long does it take to get a debit card?

Upon approval of your Debit Card Application, Debit Cards are printed every Wednesday by a third-party vendor and usually arrive in your mailbox a week after they’re printed.

If I am traveling, what do I need to do to ensure my debit card continues to work properly?

If you are traveling, please contact us ahead of time to let us know your travel dates and destination so we can put that on your profile to avoid your card being blocked while you are away from home and where you can be reached while you are gone.  MCB DOES NOT allow debit cards to be used outside of the U.S. and that includes no use in Canada or Mexico, the risk of international fraud is high.

What happens when my card expires?

Cards are automatically renewed, unless they are closed or hot carded, and sent out every two years.  You may use your card the entire month it expires.  Renewal cards are mailed out the 15th of the month they expire.

What if my Debit Card is lost or stolen?

You can visit the Ashley or Zeeland location or call us at 800-837-3491 and ask for a Debit Card Representative. 

What is the daily limit for a debit card?

The limits on our Debit Cards are customizable; however the default limits are set to $300 for PIN based transactions or ATM withdrawals and $500 for POS (Point of Sale) transactions daily.  If you need an amount that differs from the dollar amounts listed please call 800-837-3491 and ask for a Debit Card Representative.

Estatements FAQs

How do e-statements work?

You must have an Online Banking account to access e-statements.  If you sign up for e-statements, you will receive an e-mail notification after your statement is ready to be viewed.  You will need to login to your Online Banking Account to view the statement.

How do I cancel e-statements?

To quit receiving e-statements and go back to paper statements, please stop in the bank or call us at 800-837-3491 and ask for someone in the Online Banking Department.

How do I change the e-mail address to which my e-statement notifications are sent?

Log into your Online Banking Account, click on “User Options”.  On this page, you are able to change your password, edit your e-mail address, revise your security questions, change account nicknames and sign up for e-statements.  Click on the “edit” button under the “e-mail” section and change your e-mail address.

How do I sign up for e-statements?

Log into your Online Banking Account, click on “User Options”.  On this page, you are able to change your password, edit your e-mail address, revise your security questions, and sign up for e-statements.

Under the “e-statement enrollment” section, click on “edit” put a check mark in the box in front of the accounts that you wish to receive e-statements for.  You must re-enter your e-mail address.  You MUST click on the “Electronic Statement Disclosure” link to review the disclosure.  Once you have done this, close the page with the disclosures and you will be returned to the previous screen, where the “Accept” button should now be highlighted.

If you see the message, “No e-mail address found for primary account owner,” please contact the bank at 800-837-3491 and ask for someone in the Online Banking Department.

How do I view statements online?

You must login to your Online Banking Account.  When you see your list of accounts, click the hyperlink for the account you wish to view the statement for.  Up above, click on the “Statement/Notices” button.  A new box will pop up.  You can pick the date for the statement(s) you wish to view.  Click “submit” and a list of available statements will appear.  Simply click on the statement you wish to view.  A PDF image of your statement will appear.  PLEASE print or save your statements for your records.  

How long will e-statements be available on Online Banking?

The previous 6 months of e-statements are available online.  However Archive statements without check images go back to June 2012 and will remain on the system for 6 years.

How often will I be prompted to enroll in e-statements when I log into my Online Banking Account?

When you log into Online Banking for the first time you will be prompted to enroll in e-statements, you have the option to “Enroll”, “Decline”, or “Ask Me Later”.  If you click “Ask Me Later” you will be prompted to enroll in 30 days.  If you click “Decline” you will be prompted again in 90 days.

Is there any fee to receive e-statements?

No, there is no fee to receive e-statements.

What are the requirements?

To view your e-statement, you must have Adobe Acrobat reader version 8.0 or higher.  To download the most up to date version free, go to http://www.adobe.com

What should I do if I do if I do not receive my e-statement notification?

Check your junk mail filter to ensure it isn’t being flagged as junk mail and save makeitmcb@mybankalerts.com to your approved sender list.  If you do not receive your e-statement notification, please call us at 800-837-3491 or submit an e-mail under the Contact Us.

Will my e-statements look the same as they do now?

Yes, however, you must click on the “In Case of Errors” button on the bottom of the online banking page to view the back page of the statement, with the disclosures and balancing area.

Online Banking FAQs

Can I view checks online?

Yes.  When viewing your Online Banking Account you can left click on the check number for the item which you would like to view.  The check number should be a hyperlink.

How do I change my Online Banking password, security questions or e-mail address?

Log in to your Online Banking account click on “User Options”.  From there you are able to click edit and change your password, security questions and e-mail address.

How do I enroll in Online Banking?

On the homepage of our website click on “Enroll” and complete the Online First Time User Authentication Application.  The following day after we receive the electronic request we will contact you via telephone to verify your identity and give you a one-time password to login.

How do I make a loan advance?

Log in to your Online Banking account and click on “Transfer” at the top of the page.  From the drop down menu in the “Transfer From” section choose your Line of Credit that you wish to advance from.  In the “Transfer To” section choose which account you would like the loan advance to be deposited into, specify the dollar amount and click “Next”.  You will see a preview transfer screen that will recap the transfer that you have just initiated.  Click on “Submit” to finalize the loan advance

How do I transfer funds between accounts?

Log in to your online banking account and click on “Transfer” at the top of the page.  You will see an express transfer screen that will show all of your accounts that you are able to transfer funds between.  From the drop down menus select the account that you wish to transfer funds from and the account you wish to transfer funds to.  Specify the dollar amount and click “Next”.  You will see a preview transfer screen that will recap the transfer that you have just initiated.  Click on “Submit” to finalize the transfer.  

I am having trouble getting registered as a first time user for Online Banking?

Call us at 800-837-3491 and ask for someone in the Online Banking Department so we can help you resolve the issue.

What Browsers are compatible with Online Banking? What operating systems and browsers are supported?

  • Apple Safari 4.0
  • Apple Safari 5.0
  • Apple Safari 5.1
  • Google Chrome
  • Internet Explorer 8
  • Internet Explorer 9
  • Internet Explorer 10
  • Mozilla Firefox
  • Opera

Why can’t I see all of my accounts online?

You are only allowed access to view accounts in one “port" at a time.  Typically, each family will have a port, each business will have a port, etc.  So, for example, you would not be able to use the same login information to view your own personal accounts and the accounts of the business you work for, even if you are a signer for the business.  It would be possible, though, for you to have two separate logins for your personal and business accounts.

Mobile Banking FAQs

Are the keywords case-sensitive?

No. Whether “BAL” or “bal” is entered, a response with the account balance information is sent to the mobile device.

Can I add more than one Mobile Phone?

Yes, you can enroll several mobile devices for Mobile Banking.  To add a new phone, click on Manage Devices under User Options.

How current is the account and transaction information?

When you view your account balance, you see the current available balance.  When you view transaction history, you see the most recently posted transactions.  Pending transactions do not display.

How do I download Mobile Banking to my phone?

Download the TouchBanking App for Apple or Android today.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking you’re your mobile device, complete the How to Deactivate or Stop Using a Mobile Device section.

I have a prepaid plan, can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes.  T-Mobile prepaid does not support short codes.

I have text messaging enabled on my mobile device, why can’t I receive text messages?

The mobile service carrier may be blocking short codes or you may have blocked short codes on the mobile device.  Short codes must be enabled to use Mobile Banking.  Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking Messages.

Is Mobile Banking Secure?

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.  

Text banking security:

  • View accounts by nicknames you set, not account numbers
  • No detailed personal information is sent.

Mobile Web and TouchBanking App Security:

  • 128-bit encryption masks your sensitive information
  • Password is required each time you log on
  • Consumer’s private “picture and pass phrase”: are displayed to protect against “phishing”

Is my personal or financial information stored on my phone?

No.  Mobile Banking does not save any files with personal or financial information on your mobile device.  That information stays strictly within online banking.  Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device.  Those files do not contain any personally identifiable information.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name.  To prevent unauthorized access to your account, you can deactivate your phone under Mange Devices under User Options.  To deactivate your Mobile Device, complete the How To Deactivate or Stop Using a Mobile Device section.

What if my phone number changes?

If your mobile phone number changes, simply update your mobile phone number under Manage Devices under User Options.  To update the mobile phone number, complete the How To Change a Phone Number Section.

What should I do if I do not get a response to a request?

Ensure the text message is sent to <short code> <99588>.  Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.

Which accounts can I access using Mobile Banking?

You can access any account you have set up in online banking.  You select which accounts you want to access using Mobile Banking during the enrollment process.

Which Mobile Service Carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.:ATT&T, Sprint, T-Mobile, U.S. Cellular, and Verizon Wireless.  Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

Which phones can I use for Mobile Banking?

Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson.  Phones on a number of different operating systems are supported including, but not limited, to Android, BalckBerry, IOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters.  If the account information exceeds the character limit the account information is sent in multiple messages – no more than five at a time.

Credit Card FAQs

Can I use my credit card while traveling?

Notify us at McIntosh County Bank if you are planning to travel.  This will decrease the likeliness of your card being blocked due to unusual travel.  You may use your Credit Card anywhere Visa is accepted-both in the US and internationally.  

How can I get a credit card?

A Credit Card Application can be obtained from any member of our staff; complete the application and return it to the bank in person or via mail.  The credit committee meets every Wednesday morning at 8:00 a.m. to review the applications.

How can I prevent my card from being compromised?

Never give out personal information over the phone, email or text.  Shred anything that has your account information on it.  Avoid passwords that contain personal information.  Periodically obtain a free credit report by going to www.AnnualCreditReport.com or by calling 1-877-322-8228.

How do I activate my card?

Call the 800 number on the sticker on the card (800) 543-5073 or call a Credit Card Representative at McIntosh County Bank.

How do I change my address, request a credit line change, name change, etc.?


Call a Credit Card Representative at McIntosh County Bank.

How do I dispute a charge or report fraudulent activity?

Call a Credit Card Representative at McIntosh County Bank or the number on the back of the Credit Card:  1-800-423-7503.

How do I make payment to my account?

You can bring payments to McIntosh County Bank in Zeeland or Ashley; mail them directly to the payment center in the envelope enclosed with your bill; or use www.mycardstatement.com to make payments, view your statements and sign up for paperless statements.

How long does it take to get a credit card?

Upon approval of your Credit Card Application, credit cards take approximately 7 to 10 business days to arrive in your mailbox.  The PIN mailer will be mailed separate from the card.

What happens when my card expires?

Cards are automatically renewed every two years- unless they have been inactive or closed.  You may use your card the entire month it expires.  Renewal cards are mailed out during the first 10 days of the month in which they expire.

What if my Credit Card is lost, stolen or compromised?

Call Visa Customer Service 1-800-423-7503 or a Credit Card Representative at McIntosh County Bank.

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