Here you'll find answers to some of the questions we hear most often.
How do I order checks?
When you’re ready to reorder checks, simply go here. If you have any questions about your check order, please contact a First Westroads Bank personal banker at (402) 330-7200.
What is Overdraft Protection?
Overdraft Protection will help you mitigate overdraft surprises by linking another account or line of credit to cover any overdrawn amounts.
Where can I apply for Overdraft Protection?
If you would like to enroll in Overdraft Protection, one of our personal bankers will be happy to help you. Call (402) 778-2006.
How do I switch my direct deposit?
You can easily switch your direct deposit by filling out your current employer’s direct-deposit form and providing your bank-account information.
What do I need to open a bank account?
To open a bank account, we require a government-issued ID, your Social Security number, current mailing address and contact information. If you would like to open a personal account with us, please call (402) 778-2006 for assistance.
Who at the bank do I tell when I move?
When your personal information changes because of a move, a marriage (congratulations!) or a new phone number, it’s important to notify us so we have the correct information on file, which will help us easily contact you if the need arises. Call one of our personal bankers at (402) 778-2006 for assistance.
What is a checking vs. savings account?
A checking account is designed for your everyday spending needs so you can perform basic tasks like paying bills, making purchases and getting cash from an ATM. A savings account, on the other hand, has a higher interest yield, so it’s perfect for putting money aside to accrue interest and help you reach your savings goals. Most people have both types of accounts, since they each have different purposes. Whether you’re looking for the right checking account, savings account or both, we have you covered.
How does a health savings account (HSA) affect my taxes?
HSAs are a great option for those who have a high-deductible health plan and want to set aside money for medical bills. Eligible contributions are fully tax-deductible, earnings are tax-deferred and distributions used to pay for qualified medical expenses are tax-free. Unlike other accounts, your contributions remain in the account and roll over from year to year, earning tax-deferred interest. We invite you to learn more about the benefits of our HSA.
What is a Safe Now Checking account?
A Safe Now Checking account works just like a regular checking account, but comes with added benefits, like a competitive interest rate, unlimited check writing and free BankNow telephone banking, to name a few. To see the perks of Safe Now Checking, go here.
What is a savings account?
A savings account is an account designed to help you save money by offering a higher interest rate and putting a bit of distance between you and everyday spending. Having a savings account means you can put away money for practical things like buying a new water heater, or fun things like a dream vacation. Savings accounts come with certain spending restrictions. To find a savings account that is right for you, visit our Savings Accounts page.
How do I open a savings account?
One of our experienced personal bankers can help you open a savings account. You will need to provide personal information, including a state or government-issued ID, Social Security number and other forms of identification.
How is interest accrued on a savings account?
If you have an interest-bearing account, your money will be making you money through accrued interest. A predetermined percentage of your daily total amount is credited back to your account on a quarterly basis. If you’d like more information on interest-bearing accounts, call one of our personal bankers at (402) 778-2006 for assistance.
How do I open a business bank account?
We have different business accounts to cover the various sizes, needs and goals of different companies. To learn about our various options and to open an account that will benefit your business, contact one of our experienced business bankers at (402) 330-7200. For account openings, you will need to provide your business tax ID, as well as other documentation that verifies your company.
How many bank accounts should a business have?
Having more than one account for your business is advisable, whether you’re a small operation or a large corporation. Different accounts serve different functions and needs, and they help you keep track of your spending. Think about your expenses, taxes, payroll, vendor invoices and expansion or other business goals. For instance, you don’t want to keep the money allotted for taxes in the same account as the money you use for day-to-day expenses. And you certainly don’t want to keep the money you’re saving for a large purchase to be in the same account as your payroll. Our experienced bankers know the ins and outs of business accounts and can help you find the right ones. Go to our business accounts page to view our suite of products.
Should I get a business savings account for my company?
Having a separate business savings account for your company is just as beneficial as having a personal savings account for yourself — it’s a cushion for when your business needs it, covering unexpected expenses and building a good base for future plans. A business savings account also delivers a competitive interest rate, so the money sitting there is working even harder for you. Of course, there are several different business savings accounts from which to choose, so knowing what your needs are will lead you to the right one. You can view our account lineup in our business savings account page. Or contact one of our knowledgeable bankers for immediate help.
What are certificates of deposit?
Certificates of deposit, more commonly known as CDs, are savings accounts that allow you to accrue a higher rate of interest over a set period of time. What sets these accounts apart from a regular savings account is that once you place the money in the account, you leave it there until the account matures, otherwise you will incur a penalty for early withdrawal. You can choose from a wide variety of maturities — from 30 days to 60 months. Contact a First Westroads Bank personal banker at (402) 330-7200 for preferred rates offered on certificates with initial deposits of $100,000 or more.
How do I get a business credit card?
Finding the right business credit card will be one of the many important decisions you’ll be making for your business. You can apply for a First Westroads Bank business credit card here, or call a small-business banker at (402) 330-7200 for assistance.
What is a business money market account?
A business money market account is a type of savings account with a tiered interest structure. Interest is paid on a daily accrued balance. It provides quick access to your money with some of our best interest rates. To learn more about our Commercial Money Market account, contact one of our experienced personal bankers at (402) 330-7200.
What is automated clearing house?
Automated clearing house (ACH) is an electronic payments and deposits manager that makes quick work of transferring money between you and your customers, vendors and employees. It’s fast, easy and cost-effective, helping small businesses run more efficiently. You can learn more about our electronic payments and deposit manager on our ACH manager page.
What are automated clearing house payments?
Automated clearing house (ACH) payments are electronic transactions made between companies, customers, vendors and employees. When you make a payment through ACH, your money is withdrawn from your designated account and sent to another designated account. It also works the same way when you receive money, where payments transfer electronically from someone else’s account into yours. Using ACH is fast, easy and cost-effective. Learn more about electronic transactions on our ACH manager page.
What is an automated clearing house debit?
Automated clearing house (ACH) debits work in the same way checks and debit cards do — money is taken from your account and placed into a designated account.You can also set them up for automatic withdrawal, which is perfect for payroll and vendor payments. Learn more about electronic transactions on our ACH manager page.
What is an automated clearing house transaction?
Since automated clearing house (ACH) is a digital payments and deposits manager, transactions are made between two entities electronically, taking money from one designated account and placing it in another. Think of it as a payment that’s very similar to writing a check or using a debit card. Learn more about electronic transactions on our ACH manager page.
What is a remote deposit?
A remote deposit is a deposit made into your business’s bank account using a bank’s check scanner. Our RemoteConnect service allows you to scan checks and send them electronically to your First Westroads Bank account, where they’ll be processed quickly, depending on the time they were received. The best part is you don’t have to leave your office. Head to our RemoteConnect page to learn more.
What is a wire transfer?
A wire transfer is a transfer of funds from your First Westroads account to an account at a different financial institution. This means you can quickly and securely send payments to meet deadlines. You can also receive wire transfers directly into your account.
How do you wire money?
If you would like to wire money to pay a vendor or other bill, one of our knowledgeable business bankers can provide you a form to initiate the process. Call (402) 330-7200 for assistance.
How long does a wire transfer take to send or receive money?
Generally, a wire transfer happens on the same day, usually within a few hours of the request unless it’s submitted after the cutoff time, in which case it will show up in the account the next business day.
What is commercial banking?
Commercial banking consists of functions specifically designed to meet the needs of businesses. You can either check out our commercial banking products on our website, or contact a commercial banker at (402) 778-2034 for more information.
What is commercial and industrial lending?
These are loans specifically designed for the needs of businesses and corporations. First Westroads Bank offers tailored loans that provide upfront financing for short-term liabilities. If you’re interested in learning more about our commercial loans, contact one of our experienced loan officers at (402) 778-2034.
Where can I learn more about mortgages?
At First Westroads Bank, we have quite a few loan types to serve different needs. Visit our lending page to see our loan options.
What type of loan do I need to build a new home?
We offer home construction loans specifically for financing new construction. Our loan programs are designed to protect your money and property during construction. To learn more, call Brent Frahm, our experienced residential construction lender, at (402) 778-1328.
How much can I afford to pay for a house on my salary?
Use our mortgage calculator to calculate the price range of a home you can afford, or call James Llewellyn, our mortgage loan originator, at (402) 778-1321.
How do I calculate monthly mortgage payments?
Use our mortgage calculator to calculate your ideal monthly payments or call James Llewellyn, our mortgage loan originator, at (402) 778-1321.
How is mortgage interest calculated?
There are a few factors that go into calculating the interest on your mortgage. The mortgage interest rate, the federal funds rate, the amount you borrowed, the amount you still owe on the loan, and the loan term. The outstanding loan amount at the end of each month is multiplied by your loan’s interest rate and divided by 12. For further details about any aspect of a mortgage, call James Llewellyn, our mortgage loan originator, at (402) 778-1321.
How do I apply for a personal loan?
To apply for a personal loan, connect with one of our experienced personal bankers at (402) 778-2006.
How do small-business loans work?
Small-business loans are available to help entrepreneurs start a new business, expand a small business or obtain access to capital for daily operations. The parameters of a small-business loan are the same as most loans, since interest is accrued, payment is expected and fees are paid. To learn more about small-business loans, call one of our business bankers at (402) 330-7200.
How does a business line of credit work?
Business lines of credit are forms of business loans that are most often used by businesses to improve their cash flow. The addition of funds can be used to expand, meet any short-term goals you may have and improve performance. To learn more about our business line of credit, call one of our knowledgeable bankers at (402) 330-7200.
How do commercial real estate loans work?
Simply put, a commercial real estate loan works in the same way as your home mortgage — it’s money you borrow to purchase a larger piece of commercial property for your growing business, or to buy an office or retail space for your new business. But that’s where the similarities end, since commercial real estate loans have more complex nuances than home mortgages. If you’re looking to buy commercial real estate or just want to learn more about your options, call one of our experienced commercial lenders at (402) 778-2034. They’ll guide you through the process and create a tailored loan that provides you with the funds you need to drive your business forward.
What are personal loans?
A personal loan is money you borrow from a bank that you can use for just about anything you need, like consolidating your debt on high-interest credit cards, taking a dream vacation, renovating your kitchen or paying for college — the possibilities are seemingly endless. Personal loans are usually unsecured, which means they’re not backed by collateral. You receive the money up front, with fixed monthly payments so you’re able to plan your budget accordingly. To learn more about our personal loans, connect with a First Westroads Bank personal banker at (402) 778-2006.
How do personal loans work?
Personal loans enable borrowers to receive the money up front and use it for their needs, whatever those may be. Terms of the loan are tailored to fit your financial situation and deliver fixed monthly payments that allow you to plan accordingly. Usually, personal loans offer a larger loan amount and much better interest rates than credit cards. To learn more about our personal loans, connect with a First Westroads Bank personal banker at (402) 778-2006.
Can I use a construction loan for home renovations?
Construction loans are designed for new home construction or major home renovations. There are various loans that fall under the construction-loan umbrella, like construction-to-permanent loans, which convert a construction loan to a home mortgage once the home is finished, and renovation construction loans that cover major renovations. To learn more about your options, call Brent Frahm, our residential construction lender, at (402) 778-1328. He’s ready to answer all of your questions.
What is a mortgage?
A mortgage is a type of loan used to purchase homes. You take out a mortgage when you’re buying a home and don’t have the full cash amount to buy it outright. You also need a mortgage when you refinance your home. Mortgages are secured loans that have different term limits, which you can choose depending on your income and the amount you’re borrowing. Mortgages are paid in monthly installments to your lender, with part of the money going toward taxes and part going toward the principal. Working with an experienced mortgage lender will ensure the process goes smoothly and you end up with the right loan for your needs. James Llewellyn is our expert Mortgage Loan Originator who specializes in self-employed, professional and executive lending. He will guide you through every step to guarantee quick turnaround on prequalifications and loan commitments, generally within 24 hours or less. Call James at (402) 778-1321.
What are current mortgage rates?
Since mortgage rates are set by the wider economy and change on a daily basis, the best way to learn about the current mortgage rate is to speak to our experienced mortgage lender, James Llewellyn, at (402) 778-1321.
How do I get a mortgage?
If you would like to learn about your mortgage options and start the process, please contact our experienced mortgage lender, James Llewellyn, at (402) 778-1321.
How do I get preapproved for a mortgage?
To get preapproved for a mortgage, please contact our experienced mortgage lender, James Llewellyn, at (402) 778-1321.
How do you calculate a mortgage?
Use our mortgage calculator to see an estimated monthly payment or call James Llewellyn, our Mortgage Loan Originator, at (402) 778-1321.
How do I calculate interest on a loan?
Use our mortgage calculator to calculate the interest on your loan or call James Llewellyn, our Mortgage Loan Originator, at (402) 778-1321.
What is online banking?
Online banking is a way to do most of your banking over the internet. Do almost anything, such as check your account balances, transfer money, pay bills, send money and much more, from anywhere you can connect to Wi-Fi.
How do I set up online banking?
You can easily set up personal online banking through our website. You’ll find a link to log at the top of your screen. Select the “First-Time-User” option and follow the instructions for account setup.
To set up online business banking, you’ll need to contact one of our business bankers at (402) 330-7200 for all of the necessary paperwork, and any external devices required, if applicable.
What is an eStatement?
eStatements are your monthly account statements sent straight to your email inbox as opposed to paper statements sent by postal mail. Each month, when your statement is generated, you will receive an email notification that your eStatement is available for viewing. Then follow the directions in the email to view your statement online.
Will I continue to receive my statement in the mail if I sign up for eStatements?
No, you will not receive your statement in the mail.
Once I sign up for eStatements, can I change my mind and go back to receiving statements by mail?
Yes. If you elect to discontinue the mailing of your statements and decide you would like them to be mailed to you again, you must submit either a written notification or an email to firstname.lastname@example.org notifying us to cancel eStatements. Once this is done, your next statement will be delivered by U.S. Postal Service.
How do I sign up for eStatements?
To sign up for eStatements, you must be a BankNow internet banking customer. Sign up for eStatements by logging into BankNow internet banking, click on Options and scroll to the eStatement section, or contact a Personal Banker at 402-330-7200.
How secure are eStatements?
Your statement is not sent by email. First, you will receive a notification letting you know your statement is available for viewing. Then you securely log into BankNow internet banking, which is hosted on a secure website where your account information is protected by 128-bit encryption.
After I sign up, when can I expect to receive my first eStatement?
You will begin receiving your statement electronically and stop receiving paper statements, if elected, with your next statement cycle. If your statement has recently cycled, you may receive one final paper statement before electronic statements begin.
How will I know my eStatement is available to view?
You will receive a notification by email at the address you provided to us in your application. Then follow the directions given in the email to view your statement.
What accounts currently qualify to receive eStatements?
All personal checking and savings accounts are eligible to receive Statements electronically.
What else will I need to do to receive my eStatement?
You must be enrolled for BankNow internet banking, and have an active user ID and password. If you are not enrolled for internet banking, you can do so by visiting www.FirstWestroads.Bank.
Is there a fee to receive my eStatement online?
No, eStatements are absolutely free to all First Westroads Bank internet banking customers.
Will my eStatement look the same as the printed statement I am currently receiving?
Your eStatement will be a PDF version of your actual printed statement. It will look exactly the same as it does now.
Can my eStatement notification be sent to more than one email address?
No, you must designate one email address at which you can be notified. If this address changes, you must notify us immediately.
Is there special software required to view my eStatement?
No. Your eStatment is delivered as a PDF file, and these days, Mac, Windows, iOS, Android and most browsers will allow you to open a PDF simply by double-clicking on it.
How long will my statement be available to view online?
Your eStatement will be available for 18 months. We recommend that you either save each statement to a file on your computer, or print a copy for your records. Your statement history will populate from the time when you sign up for eStatements and accumulate up to 18 months for each month you have been enrolled.
How do I save a copy of my statement on my computer?
Open the PDF file, then go to the File menu at the top of the screen, and select “Save a Copy.” Your computer will then ask where you want to save the file.
How do I print a copy of my eStatement?
Open the PDF file, then go to the File menu at the top of the screen and select Print.
Can I get a printed copy of past statements? Will a fee apply?
You will have 18 months of statements available online from which you can print. If you would like a statement from months prior to that, you can call a Personal Banker at (402) 330-7200 to request a copy. Fees may apply for printed copies.
What should I do if I do not receive my notification or if my eStatement isn't available to view through BankNow internet banking?
If you have not received your notification or your eStatement isn't showing up online, please either call a Personal Banker at 402-330-7200 or email email@example.com.
Who do I call if I have questions about my eStatement?
If you have any questions, please call a Personal Banker at (402) 330-7200 to assist you.
What is POPMoney?
POPMoney is an innovative personal-payment service that allows you to send and receive money electronically to anyone you want from your existing First Westroads Bank checking account.
How do I send money via POPMoney?
You must be enrolled in BankNow internet banking and Bill Payment.
To send money, log into your account by accessing BankNow internet banking and click through to Bill Payment service. Within Bill Payment, there will be a tab labeled POPMoney.
Send money using the recipient’s name and email address, mobile number or checking account information. You can even make it special by using one of our eGreetings to personalize the delivery.
You will be notified when the transaction is complete.
If your recipient’s financial institution is part of the POPMoney network, they can complete the transaction from their own financial institution’s online banking site. If not, they can go to POPMoney.com to pick up the funds and direct the funds to their own bank account.
How will the recipient know I sent money using POPMoney?
They will receive a payment notification either by email or text message, depending on how you chose to send the money.
Email address: The recipient will be sent an email with instructions on how to direct the payment into their checking or savings account.
Mobile number: The recipient will be sent a text message with instructions on how to direct the payment into their checking or savings account. If they don’t act in three days, they’ll receive a text-message reminder to act on the payment notification. Message and data charges from your telecommunications provider may apply.
Bank-account information (routing and account number): The money will be deposited into the recipient’s bank account. You may choose to notify the recipient by sending an email message.
When will the funds be available in the recipient’s account after sending a payment through POPMoney?
Funds may be available in the recipient’s checking or savings account as early as one business day from the date they accept the funds. They will receive a notification email with the date the funds will be in their account.
What type of accounts can be sent payments through POPMoney?
Payment can be directed to a checking, savings or money market account held at a U.S. financial institution.
Do POPMoney payments expire?
Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.
Is the POPMoney service secure?
Yes. POPMoney was created with your financial security in mind. POPMoney is built on the industry’s leading online money-movement platform and utilizes superior risk-management and fraud-protection services. This is the same online money-movement platform used by thousands of financial institutions, including many of the nation’s top banks.
What fees are associated with POPMoney?
There is a $0.50-per-transaction fee for each payment sent.
What ATMs can I use?
You can use your Mastercard debit card at any ATM, but you may incur surcharge fees if it’s not a First Westroads Bank-operated ATM. You do have the benefit of two free monthly ATM transactions at any surcharge-free ATM. Visit our branch locator and ATMS page to see our ATM locations here.
Where can I find First Westroads Bank ATMs?
Visit our branch and ATM locator to see all branch ATM locations.
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