Frequently Asked Questions (FAQs)

We're here to answer any questions you have

Learn more about CFSB by finding out the answers to our most frequently asked questions. If you are still looking for an answer to your own question, contact us!

Why do I have to answer questions before you will give my account information to me?
At CFSB, our goal is to make your banking experience as easy as possible by providing you the assistance you need as easily and quickly as possible. Protecting your personal information is extremely important, so when you call we will ask some additional questions that only you would know.
Oh no! I've been overcharged!
Have you ever purchased gas for $30 only to login to your CFSB Digital Banking and see a $75 charge? OH MY! In most cases this is a preauthorization. The amount is held by the merchant until the transaction is settled for the original charge, or the hold "falls off".
Wait! That purchase was made first, now I have an NSF Fee.
Why did the purchase I made on Thursday clear before the purchase I made on Monday? Items clear your account based on when a merchant settles the transaction. The time and day you make the transaction doesn't always determine when the item will clear your account.
I am traveling, why is my debit card not working?
Notifying the bank when you travel is very important. To better protect your account, our Fraud Center will notice purchase activity from locations outside your normal area and 'lock" your card. Whenever you plan a trip, we can place a travel notice on your account.
What is Remote Deposit Capture and what do I need to get started?
Remote deposit capture allows businesses to capture checks at their business location and then transmit data and the check images electronically to their financial institution for posting and clearing, without any need for physical transportation. All that is needed is a computer, Internet connection, and scanning device.
Do you offer business online banking?
Yes! Our business online banking allows you to access your accounts as well as offers a wide varierty of banking services at your convenience.
How can I access Online Banking?
You can access CFSB online banking through a web browser via our website or through our free CFSB mobile app available on the App Store and Google Play.
How do I login for the first time?
Select the red online banking at the top of the website and choose enroll and fill out the enrollment form. From there, you will receive a secure access code via phone call or text. You will then be prompted to create a new password.
Can I add my CFSB debit card to my mobile wallet?
Of course, for instructions on how to do so click here. Mobile wallet works the same as if you inserted your CFSB debit card into the card reader at the merchant and is processed the exact same!
I have loads of coin, do I need to roll it before bringing into the bank?
Rolling your own change is a thing of the past! We offer change machines in each of our markets. This is a free service to our CFSB Clients! click here to learn more
What is CFSB's routing number?
Our routing number is 083903328.
Can I apply for a checking or savings account online?
Yes! This is a fast and convenient way of opening an account. Choose which account best fits your needs on our website and then select apply now. You will be pormpted to fill out some personal information.
I am needing to reorder checks, can I do that here?
Of course, click here to fill out the reorder form. You can also do so via your CFSB online banking.
I've lost my debit card, what now?
Oh no! Report this to us as soon as possible. You can do so by calling our Client Service Center or messaging our Digital Banking team on our website or through online banking! We will deactivate your card and work with you on how to replace it!
I am interested in a courier service, how do I apply?
Have your cash and coin securely delivered and picked up! This service makes business banking convenient. Click here to request information and one of our representatives will reach out to you!
I am starting a new business and I am needing to process debit cards, can you help?
We can! We offer merchant card services that will allow you to see more smiles at the register. Click here to request more information
What is a secure access code?
A SAC is a unique, single-use 6-digit code which protects against fraud by safeguarding your online transactions and sensitive information.
Can I check my balance on my phone?
Yes! Download our mobile app from the App Store or Google Play to your device and follow the on-screen prompts. Our Mobile Banking is supported on most Apple and Android devices. You can also use mobile devices with a mobile web browser that supports cookies.
How can I get help with my online banking?
You can call our Client Service Center to speak to a member of our team via phone or you can reach our Digital Banking Team through our website chat function or by messaging us through online banking!
How do I update my contact information?
Click on the Services button on the left-hand navigation pane. Choose 'Update My Info'. The information entered here will update our system.
I made a deposit from my phone and I can't find it.
Why is my mobile deposit not showing on my account? Mobile deposits do not post immediately to your account, but will post throughout the business day. Click here to lear more about mobile deposit
Can I set up automatic payments to pay my bills?
Of course! By using our bill payment feature, you can pay all of your bills in one location. Making banking easy and convenient! Click here to learn more about bill pay.
Can I send money to a friend who banks somewhere else?
Absolutely! By using CFSB Zelle, you can move money between friends, family and millons of other people across the country! Just click the send money tab within your online banking and input the recipients phone number or email address to get started. Click here to learn more about Zelle
How do I view my statements online?
If you are ready to make the switch to eStatements, login to your online banking and select the statements tab. Following, input the security code to accept the disclosures and then choose which accounts you would like to enroll! Click here to learn more about eStatements
I work late and I do not have a smartphone, how do I check my balance?
We offer telephone banking, this service is free and available 24/7. You can quickly and easily make account balance inquiries and more outside of our normal banking hours. Dial 270-527-2222!
Is Discover Debit accepted at a significant number of merchants?
You can use your CFSB Discover Debit card at more than 10 million US merchant locations. If you encounter a merchant that does not accept discoverm we encourage you to call us at 888-226-5669 and let us know! Click here to learn more about Discover debit cards
What is a Live Teller Machine or LTM?
A LTM is a video based interactive technology that allows clients to conduct transactions dirven by a centrally located teller. This is a highly engaging real time interaction that allows you to cash checks, make deposits, loan payments as well as many other services! Click here to learn more.

Frequently Asked Questions (FAQs)

We're here to answer any questions you have

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