Frequently Asked Questions

Call (860) 435-2581, or the After Hours Phone Number 1 (800) 264-5578 as soon as possible. You can also Restrict and Re-Activate your card at your discretion through your iBanking profile.

Yes, National Iron Bank will add your travel plans to your ATM or Debit Card to help prevent fraudulent charges. You can call or visit any National Iron Bank branch or submit a Travel Notification through your iBanking profile to let us know travel dates and locations.

Contact your local National Iron Bank branch to reorder an ATM or Debit Card. You can also reorder cards online through our online banking service. A reissue fee may apply.

You can activate your ATM or Debit card by making a withdrawal or balance inquiry with your PIN at any ATM or by calling 1 (800) 448-8268.

Contact your local National Iron Bank Branch immediately to have the card reported lost or stolen. You can also report lost or stolen cards through our online and mobile banking systems.

If you have lost your card, but think you might be able to find it, you can also have your card temporarily suspended by contacting your local branch or logging on to our online banking system.

For information regarding EMV chip Debit Cards, learn more.

No. Both Chip reading and Magnetic Stripe capabilities are on your card to allow you to make purchases at locations that have not yet adapted to the chip reading technology.

Yes, all National Iron Bank cards have daily transactions limits to help protect your account from fraud. Master Card Debit Cards and HSA Debit Cards have a $310.00 Cash/ATM and $500.00 POS (Point of Sale) default limit. ATM Cards have a $310.00 Cash/ATM and $300.00 POS default limit. You can request a change to your daily transaction limit by speaking to a customer service representative at any National Iron Bank location.

Most Debit cards reach their destination in 3-5 business days. ATM cards take slightly longer at 3-10 business days.

Yes, you must be 18 years or older to apply for a Debit or ATM card. Younger customers may still receive an ATM or Debit Card as long as an adult (18 years or older) who is on the account signed the Application and Agrees to the Terms and Conditions required for a card.

You can change your PIN number at any National Iron Bank ATM by inserting your card and selecting “Change PIN” in the first menu screen.

You can also change your PIN by contacting your local branch. You will be required to give identifying information. Please note there may be a fee associated with a PIN change.

You can have your PIN number reset by contacting or visiting your local National Iron Bank branch. You will be required to give identifying information before a PIN reset can be completed.

The MoneyPass® Network is a network of ATM providers that National Iron Bank belongs to. When you use a MoneyPass® affiliated ATM, you will avoid paying a surcharge on the transaction. To find a MoneyPass® ATM go to moneypass.com/atm-locator.html or search for and download the MoneyPass® app in your app store on your smartphone.

Other banks will have their Service Charge posted on their ATM, you will be required to pay that charge to that bank at the time or withdrawal unless it is a MoneyPass Network affiliated bank. Please review National Iron Bank’s fee schedule and your account disclosures to see if you qualify for an ATM Transaction Service Charge.

Yes, just go to www.commercialcardcenter.com to register or log on. To register you will need your card number. After you register for an online account you will be able to:

Make payments online
Download transaction History
Access and print PDF Statements

Information about personal credit cards from National Iron Bank.

Information about business credit cards from National Iron Bank.

Yes, National Iron Bank offers both consumer and business credit cards.

Information on our personal credit card
Information on our business credit cards

Our Simply Rewards™ Visa® Credit Card offers reward points for your everyday purchases. learn more

Our Visa® Business card does not offer reward points, but our Visa® Business Rewards card earns 1 point per dollar spent on qualifying purchases. An annual fee applies to the business card. learn more

Yes, Certificate of Deposit statements are produced quarterly (every three months) instead of monthly like your Savings account statement, unless you signed up for e-Statements. If you logged into the e-Statements portal, you automatically enrolled in our e-Statements service. If you would like to receive paper statements instead of online statements, contact your local branch.

Yes, you have 7 calendar days after your CD maturity date to withdraw funds, add funds or make a change to the term before your CD automatically renews. You will receive a CD Maturity Notice in the mail 30 days prior to the accounts maturity date, this notice also allows you to mail in a request to change a CD during the grace period. You can also call or visit your local National Iron Bank Branch to review your account options.

Checks are not available for savings accounts. You can order checks off your HSA (Health Savings Accounts).

Regular Savings accounts are eligible for ATM cards only. ATM cards can be used at any ATM and used for free at any National Iron Bank ATM.

Please note, an existing MasterCard® Debit Card for your National Iron Bank checking account can have most Savings accounts linked to it as a secondary account for ATM use only.

If you choose to withdraw funds from a CD before the maturity date you will incur and penalty of 6 months interest on all CDs except some CD specials. Please consult with your branch for details regarding your CD limitations and/or penalties.

Please call your local branch to make sure that the mailing address we have for you is current. If you have a seasonal address, please inform us of that address and we will change your address during the time you are away.

If your address is current, you may no longer be getting paper statements because you logged onto our e-Statement system in your online banking account. If you would like to receive paper statements rather than view and print online statements, contact your local branch.

You can call any National Iron Bank location during business hours or send a message through your iBanking profile.

National Iron Bank’s customer service representatives are able to assist with any changes to people or roles on an account.

National Iron Bank’s customer service representatives are able to assist with any changes to people or roles on an account.

National Iron Bank’s routing number is: 011102638

National Iron Bank provides free access to past statements via E-Statements and your iBanking profile. These documents can also be provided at your request, just call any National Iron Bank location (a service charge may apply).

Please review National Iron Bank’s Funds Availability Policy

The Service Center tab in your iBanking profile has an area to order checks or you can call any National Iron Bank location for a customer service representative to order them for you.

Fees depend on the type of account or service you have. Please view our current fee schedule.

Quicken

Note: There is a preference that is available in Quicken for Windows, “Automatically add downloaded transactions to register”. If this preference is enabled, then customers will have to delete the transactions in the register.

If the transactions have not been accepted to the register, they can be deleted one be one prior to
If the transactions have already been accepted to the register, they can be deleted one by one, or multiple transactions can be deleted at one time. If there are too many transactions to delete, or the steps to delete multiple transactions is difficult for the customer; restore a backup file. (Important: If the backup was not made right before following the conversion instructions, do not restore one and manually delete the )

Instructions:

1. How To Edit and Delete Downloaded Investment Transactions
   Click Here for Detailed Instructions
2. How do I void or delete a transaction in my account register?
   Click Here for Detailed Instructions
3. I have duplicate transactions in my account register
   Click Here for Detailed Instructions

QuickBooks

• If the transactions have not been accepted to the register, they can be deleted one be one prior to accepting
• If the transactions have already been accepted to the register, restore a backup file and repeat the reactivation steps

Instructions:

1. Remove/delete downloaded transactions that do not match the register in the Online Banking Center

Click here for instructions.

Quicken

• Open the account register for the account that was linked
  • If the transactions have not been accepted to the register, they can be deleted one by one prior to accepting. After deleting the downloaded transactions, deactivate the account then repeat the reactivation
  • If the transactions have already been accepted to the register, restore a backup file. Ensure the customer selects the correct account to link to, when reactivating the account within the restored

Instructions:

1. Transactions Go Into the Wrong Account after Downloading Them
   Click Here for Detailed Instructions

QuickBooks

• Open the account register for the account that was linked
  • If the transactions have not been accepted to the register, they can be deleted one by one prior to accepting. After deleting the downloaded transactions, deactivate the account then repeat the reactivation
  • If the transactions have already been accepted to the register, restore a backup file. Ensure the customer selects the correct account to link to, when reactivating the account within the restored

Instructions:

1. Remove/delete downloaded transactions that do not match the register in the Online Banking Center
   Click Here for Detailed Instructions

Quicken

• First, confirm all accounts have been deactivated including hidden (Quicken)
• If they are, delete the duplicate account from the account list, and then repeat the reactivation steps

Instructions:

1. Prompted to Create New Account Instead of Using Existing Account for Online Services
   Note: if you have not added the account, follow this article: Click Here for Detailed Instructions
2. How To Hide an Account
   Note: Follow steps to unhide: Click Here for Detailed Instructions
3. How To Delete an Account
   Note: If you have added the account, follow this article: Click Here for Detailed Instructions

QuickBooks:

• First, confirm all accounts have been deactivated including inactive (QuickBooks) accounts
• If they are remove/delete downloaded transactions that do not match the register in the Online Banking Center from the incorrect account
• Repeat the reactivation steps

Instructions:

1. Show hidden (inactive) entries in a list
2. Remove/delete downloaded transactions that do not match the register in the Online Banking Center
   1. This should be done for the account that was mistakenly added
   2. This step must be followed to attempt to delete the account or ensure that these transactions are not included in any reporting
3. Hide an account (or subaccount)

Note: this should be done for the account that was mistakenly added.