Frequently Asked Questions

Below you will find some of our frequently asked questions. If you have a question that is not listed below, please use the contact page or visit one of our 24 convenient locations.

Mobile Banking

Q. What is mobile banking?
A. Mobile banking formats our online banking screens so that you can easily view your account information from a web-enabled cell phone.

Q. What can I do with mobile banking?
A. Once you have enrolled for the service, you can:
    • View Transaction History
    • View Account Balances
    • Transfer Funds between accounts
    • Pay Bills to existing Payees
       (Must currently be enrolled for Isabella Bank’s online banking bill pay service to access this application of mobile banking)
    • View Alerts

Q.     How do I enroll for mobile banking?
A.     You must first be an existing online banking customer. Then you enroll by visiting the OPTIONS TAB within online banking.

Loans

Q: Do I need a copy of my tax returns and paystubs to apply for a loan?
A: Yes. By supplying your tax returns and paycheck stubs, we can make sure your monthly payments are proportionate to your monthly income.

Q: If I recently refinanced my home, why do I need a new appraisal?
A: Real estate prices today are changing rapidly which causes appraisals to be quickly outdated. Having a new appraisal completed at the time of the new loan request ensures that what you owe does not exceed the value of your home.

Electronic Services

Q: What is the difference between the debit and credit options for my Visa Check Card?
A: When making a purchase you will be given an option between credit and debit. In most cases, you will run it through as a credit, which still takes the money directly from your checking account. The debit option is for cases where you would like cash back (availability depends on the store's policy for receiving cash back). For example, your purchases total $50 but you run it through for $100 to get $50 back in cash.

Q: Is online bill pay a free service?
A: Bill pay is a free service on personal accounts. Non-personal accounts will be charged for the bill pay service monthly. The monthly fee is $3.50 and .35 cents for each payment initiated during your monthly checking cycle. (The first month's regular monthly fee will be waived.) These fees may be amended from time to time in accordance with the Rules.

Q: How do I enroll for your eSTATEMENT service?
A: In order to enroll for eSTATEMENTS, you must also be enrolled for our online banking service. After enrolling for this service, you will need to visit the eSTATEMENT tab within our online banking site in order to sign up for this service.

Merchant Capture

Q: What is the latest time that we can transmit a deposit to ensure next day credit?
A: 7:00 p.m. Eastern Standard Time.

Q: Can a company with different accounts but under the same tax ID transmit separate deposits per account?
A: Yes.

Corporate Cash Management

Q: When does the payroll file have to be initiated in order for the deposit to show in the employees account in time?
A: The file must be “initiated” by 3:00 p.m., 2 days prior to the effective date of the payroll deposit.

Q: Must the employee have an account at the same bank as the company in order to sign up for their payroll to be direct deposit?
A: NO. The employee may have an account at any banking institution within the United States.

Miscellaneous

Q: What day will I receive my social security deposit?
A: If you began receiving benefits before 1997, then you will receive your direct deposit on the 3rd of each month. If you began receiving your benefits after 1997, it depends on your birthdate. Birthdates between the 1st and the 10th, will be the second Wednesday. Birthdates between the 11th-20th will be on the third Wednesday and birthdates between the 21st -31st will be on the fourth Wednesday.

Q: What are the advantages of naming Isabella Bank as a corporate trustee of my trust?
A: A corporate trustee offers professional knowledge in investments, tax, accounting, and other aspects of trust administration. Corporate trustees are held to a higher standard of care than individual trustees. A corporate trustee, unlike an individual trustee, does not die or become legally incompetent. A corporate trustee is a neutral party.