Are
my deposits FDIC insured?
How does ebank offer deposit account rates
that are higher than most other banks?
How can I open a new checking or savings
account or apply for a loan?
If I want to open a checking, savings,
CD or money market account online what information will I need
to have?
How do I find an ATM?
How do I make a deposit?
How do I get current rate information?
How do I order more Personal or Business
account checks?
Does ebank charge to send or receive a wire
transfer?
Are ATM transactions at any bank free for
ePremium and eFree checking customers? Doesn’t the other
bank charge me a fee when I use their ATM for a transaction?
What type of web browsers are compatible
with Internet Banking?
Is internet banking secure?
What if I’ve forgotten my Internet
Banking ID or Password?
How do I sign up for Internet Banking or
Bill Payment?
Can I receive my statements online rather
than by mail?
How can I safeguard myself against Identity
Theft? What should I do if I am an Identity Theft victim?
How do I report a lost or stolen credit
card?
What is ebank’s Privacy Policy?
What is Check 21?
How can I contact ebank?
Are my deposits FDIC insured?
Yes, ebank is an FDIC member institution.
If you or your family’s
deposit accounts at ebank total $100,000 or less, your funds
are fully insured. However, you can have more than $100,000
at ebank and still be fully insured provided your accounts
meet certain requirements. Contact ebank or visit the FDIC
website for details.
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How does ebank offer
deposit account rates that are higher than most other banks?
Since ebank serves its customers primarily
online rather than having an expensive branch network with
thousands of employees, we are able to offer rates that are
significantly higher than you will find at traditional, “brick and mortar” financial
institutions.
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How can I open a new checking
or savings account or apply for a loan?
You can apply online, by mail, by fax or in person at our
Atlanta, Georgia office.
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If I want to open a
checking, savings, CD or money market account online what information
will I need to have?
For Personal Accounts you will need to
have your Social Security number (and the SSN of any co-applicants
or joint account holders) and the Driver’s License
number and date of birth for all applicants or joint account
holders. Business Accounts must supply an EIN.
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How do I find an ATM?
There is an ebank ATM located at 2410 Paces Ferry Road in
Atlanta, Georgia or to find an ATM nearer your location just
click here. You can use any
ATM around the world that is a member of any of the following
networks: STAR, PULSE, MasterCard, Maestro or Cirrus. ePremium
and eFree checking account customers can use any bank’s
ATM without paying any transaction fees.
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How do I make a deposit?
You can make a deposit in person at our Atlanta office, by
wire transfer or by mail. You can also have your paycheck,
Social Security or other recurring deposits made through Direct
Deposit/ACH.
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How do I get current rate
information?
To get rates for most of our deposit and loan products online
just click here. Rates are also available by phone through
our TeleBank service by calling 404-461-0121 (Atlanta) or 1-866-554-9545
(Toll-free). For Business Loan rates and Personal Loan/Credit
Line rates please call 770-863-9225 (Atlanta) or 1-888-278-9898
(Toll-free).
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How do I order more
Personal or Business account checks?
You can order Personal account checks online by clicking here.
Or, you can order checks by phone through our TeleBank System
by calling 404-461-0121 (Atlanta) or 1-888-278-9898 (Toll-free).
You can also call a Personal Banker at 770-863-9225 (Atlanta)
or 1-866-554-9545 (Toll-free).
To order a supply of Business account checks online click here or
call toll-free 1-800-503-2345.
If your name or address has changed since your last order,
please call ebank Customer Service before re-ordering online.
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Does ebank charge to send or
receive a wire transfer?
There is no charge from ebank for an incoming wire transfer.
For an outgoing wire transfer the fee is $15 for a domestic
wire and $40 for an international wire.
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Are ATM
transactions at any bank free for ePremium and eFree checking
customers? Doesn’t
the other bank charge me a fee when I use their ATM for a transaction?
Yes, ebank covers the transaction fees
for ATM transactions at any bank’s ATM for ePremium
and eFree checking customers. Any transaction fees that are
charged by another bank at the time ePremium and eFree checking
customers make their transactions are paid by ebank.
Other types of ebank accounts receive six
transactions at other bank’s ATMs per month without transaction fees.
After six transactions per month, ebank does not charge a fee
for using another bank’s ATM, but the owner of the ATM
may assess a fee that will be disclosed at the time of the
transaction.
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What type of web browsers
are compatible with Internet Banking?
It is recommend that you use either Internet Explorer 5.0
or greater, Firefox 1.0 or greater, or Safari on the Macintosh
to access internet banking.
Is internet banking secure?
Banking with us is secure. In fact, Internet transactions
are actually more secure than most credit card transactions.
When you do your banking online, you're not actually transacting
over the Internet in the way you might have imagined. You're
actually conducting your financial business over a secured
server using encrypted transmissions. So, the information you
send and receive to and from ebank is not available on the
Internet in a form that can be read.
Your data is encrypted (or "scrambled")
by Secure Sockets Layer, or SSL, which is the Internet's
encryption security protocol standard. And we have two more
built-in safeguards at either end of the process:
- Only you can access your account information and funds,
because only you know your Access ID and Privacy Password.
None of them are stored on the web server or Internet banking
server.
- Our ebanking systems function behind
a “firewall” of
software and hardware which prevents any unauthorized entry.
All Internet servers are located at a secure site, where
access is restricted to key-card holders and where security
camera monitoring is in place.
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What
if I’ve forgotten
my Internet Banking ID or Password?
Please call a Personal Banker at 770-863-9225 (Atlanta) or
1-888-278-9898 (Toll-free).
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How do I sign up for Internet
Banking or Bill Payment?
Please call a Personal Banker at 770-863-9225 (Atlanta) or
1-888-278-9898 (Toll-free).
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Can I receive my statements
online rather than by mail?
Yes. You can sign up to receive online eStatements by clicking here.
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How can I safeguard myself
against Identity Theft? What should I do if I am an Identity
Theft victim?
For more information regarding Identity Theft prevention and
reporting click here.
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How do I report
a lost or stolen ATM or Debit Card?
Please report your lost or stolen debit card immediately by
calling 1-800-500-1044.
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How do I report
a lost or stolen credit card?
Please report your lost or stolen credit card immediately
by calling 1-800-854-7642.
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What
is ebank’s
Privacy Policy?
Our Privacy Policy is available by clicking here.
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What is Check 21?
Check 21 is a federal law that is designed
to enable banks to handle more checks electronically, which
should make check processing faster and more efficient. Instead
of physically moving paper checks from one bank to another,
Check 21 will allow banks to capture a picture of the front
and back of the check along with the associated payment information
and transmit this information electronically. If a receiving
bank or its customer requires a paper check, the bank can
use the electronic picture and payment information to create
a paper “substitute
check.” This process enables banks to reduce the cost
of physically handling and transporting original paper checks,
which can be very expensive. Check 21 became effective on October
28, 2004. For more information, click here.
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How can I contact ebank?
You can send an email to Customer Service by clicking here or
you can call us at 770-863-9225 (Atlanta) or 1-888-278-9898
(Toll-free). You can also contact ebank by fax at 770-863-9228
or by mail at 2410 Paces Ferry Road, Suite 190, Atlanta, GA
30339.
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