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General

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• Who is iGObanking.com®?

  iGObanking.com®  is an online division of Flushing Bank that enables consumers to open and fund deposit accounts directly from the convenience of their personal computer. Additionally, it's a simple and smart way to actively control your money online while earning a highly-competitive interest rate on a savings or CD account.

• Is iGObanking.com® a safe and financially sound organization?

  iGObanking.com^® is an online division of Flushing Bank, an FDIC insured institution established in 1929. Accounts at iGObanking^® are FDIC insured to the maximum allowable limits.

• Will my deposits be FDIC Insured?

  Yes, deposits on iGObanking.com®, a division of Flushing Bank, are FDIC insured up to the maximum allowable limits! For further information on our FDIC insurance, click on http://www.fdic.gov. iGObanking.com®, a division of Flushing Bank is regulated by the NYS Department of Financial Services and the Federal Deposit Insurance Corporation.

  Consumer Assistance Unit
  NYS Department of Financial Services
  One Commerce Plaza
  Albany, NY 12257

  FDIC
  Consumer Response Center
  1100 Walnut Street, Box #11
  Kansas City, MO 64106

• What is iGObanking.com's FDIC number?

  The FDIC number for iGObanking.com® is 58564.

• Does iGObanking.com® offer trust accounts?

  At this time, iGObanking.com® does not offer trust accounts.

• Does iGObanking.com® offer custodial accounts?

  At this time, iGObanking.com® does not offer custodial accounts.

• Can I apply by mail or email?

  An iGOira is the only account that can be opened by mail. We do not accept applications via email at this time.

• What is the routing and transit number for iGObanking.com®?

  The iGObanking.com® routing and transit number is 026072928.

• Can I wire funds into my iGObanking.com® account?

  No, not at this time.

• How is interest calculated?

  Interest will be compounded daily and credited to your account monthly.

• How do I verify my trial deposits?

  You will receive an email with an “Account Ownership Verification” link to verify your trial deposits. It takes 2-3 days for the two small deposits to be made to the account you chose for funding. When you see that these deposits have been made, click on the link contained in the email to verify the deposit amounts and that you are the account owner. After verification, funds will be transferred from your existing account to your new iGObanking.com® account.

• Does iGObanking.com® offer business accounts?

  At this time, iGObanking.com® does not offer business accounts.
  

• How can I initially fund my iGObanking account?

  You can deposit up to $500,000, when initially funding your account either through an ACH from an existing bank account or you can mail a check. To transfer money via ACH you will be asked to provide your bank’s routing and transit number during the application process. To fund the account with a check, after your account is approved, you will be directed to make a check payable to yourself and mail it to the address below: 

  iGObanking.com^®
  P.O. Box 9000
  East Meadow, NY 11554

• How can I deposit additional funds in to my iGObanking account?

  You can deposit up to $100,000 per deposit into your iGObanking Checking, Savings or Money Market accounts any time after the initial funding is complete. You can use the external transfer feature to fund your iGObanking account electronically or you can mail a check.

  • Log into iGObanking.com
  • Click on the “Move Money” tab, then select “External Transfer”
  • Select “Transfer Between My Accounts • Click “Add a New account” to add an account to your Move Money profile.
  • Complete instructions to set up transfer
    
    

  For amounts over $100,000 or other special circumstances, please contact our Customer Service Solutions Center at 888.432.5890 (855.858.0999 TTY/TDD), Monday – Sunday from 7 a.m. to 11 p.m. ET. 

   To make a deposit with a check, make check payable to yourself and mail it to the address below:

  iGObanking.com^®
  P.O. Box 9000
  East Meadow, NY 11554

  
  

  
  

Savings Accounts

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• What is a savings account?

  A savings account is a secure place to put your money and earn a small amount of interest on a monthly basis. Most financial institutions offer these accounts to first-time investors and others looking to save for the future.

• Is there a difference between a regular savings account and an online savings account?

  The biggest difference between a regular savings account and an online savings account is the rates. Traditionally, people seeking a savings account had to resort to their local financial institution and settle on low interest rates. But now sites like iGObanking.com® have made high interest online savings accounts a more desirable way to save.

• How do I open an iGO high interest savings account?

  To open an iGO high interest savings account, click on "iGO open my account" on the iGObanking.com® homepage, then follow the six easy steps to complete your online savings account application.

• How do I view my iGO high interest savings account once it's been opened?

  To view your iGO high interest savings account, simply enter your Username and Password under the "View my Account" heading on the iGObanking.com® homepage.

• Will I have to close my current savings account when I open my iGO high interest savings account?

  No. After you open your iGO high interest savings account, you can transfer the money you want from your current savings account.

• What is the current interest rate for an iGO online savings account?

  Our iGObanking.com® Online Savings Account rate is available at iGObanking.com rates.

• Are there any fees or minimums to open my iGO high interest savings account?

  There are NO FEES and NO MINIMUM balance to maintain your iGO high interest savings account.

• Can I open a DBA iGOsavings account?

  At this time, iGObanking.com® is only opening personal savings accounts.
  

CD Accounts

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• What is a Certificate of Deposit (CD)?

  A certificate of deposit, more commonly known as a CD, is a long-term time deposit that allows you to take advantage of higher interest rates than those offered through a typical savings account.

• What are the CD interest rates for an iGO high yield CD?

  Our iGO high yield CD rates are available at iGObanking.com rates.

• Is there a difference between a regular CD and an online CD?

  Since most CD's are high yield, the biggest difference between a regular CD and online CD is the convenience factor. At iGObanking.com®, it's fast and easy to set up your high yield CD online.

• How do I open an iGO high yield CD?

  To open your iGO high yield CD and take advantage of our great CD interest rates, click on "iGO open my account" on the iGObanking.com® homepage, then follow the six easy steps to complete your high yield CD account application.

• How do I view my iGO high yield CD once it's been opened?

  To view your iGO high yield CD, simply enter your Username and Password under the "View my Account" heading on the iGObanking.com® homepage.

• How long can I open my iGO high yield CD for?

  You can open your iGO high yield CD from 3 months to 10 years. See the rates page for more information on CDs and CD interest rates.

• Are there any fees or minimums to open my iGO high yield CD?

  There is minimum balance of $1000 to open your iGO high yield CD and there are no fees.

• Is there a penalty for early withdrawal for my iGObanking.com® CD?

  Yes, Early withdrawal penalties may apply. A penalty may be imposed for withdrawals before maturity. Penalty may reduce principal.

  • If your account has an original maturity of three months to less than one year: The fee we may impose will equal three months simple interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity between one year and less than three years: The fee we may impose will equal six months simple interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity between three years and less than seven years: The fee we may impose will equal one year simple interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of seven years or greater: The fee we may impose will equal the loss of either all interest earned on the amount withdrawn or half the interest amount that would have been earned on the amount withdrawn during the entire term of the certificate, whichever is greater.

  
  In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

• What is the process to close my iGObanking.com® CD account during the grace period?

  To close your iGOcd account during the grace period either complete and return via postal mail the CD maturity instructions form (provided as part of your CD maturity notice) or send your request by using the contact us form (email address submitted must be the email Address of Record). Please refer to your CD maturity notice, and based on the choices listed, instruct the Bank accordingly.

• Will I be sent a maturity notice for my iGObanking.com® CD?

  Yes, you will be sent an email notification that your maturity notice is available for viewing in the online services section.

• Can I add money to my CD once it's opened?

  No, the only time you can add money is during your CD grace period.

Debit Card

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• Is there a debit card offered with my iGOchecking® account?

  Yes, iGObanking.com® offers a free MasterCard® Debit card with your online checking account.

• How do I apply for an iGOdebitcard®?

  Contact us by telephone at 888.432.5890, use our contact form, or send your request by mail to iGObanking.com, P.O. Box 9000, East Meadow, NY 11554.

• What is the annual fee for my iGOdebitcard®?

  Your iGOdebitcard® is free.

• What is the charge for a PIN based transaction?

  iGOchecking® fees are listed on our fee schedule.

• Are there any fees associated with ATM transactions?

  iGOchecking® fees are listed on our fee schedule.

• Is there a fee for a replacement iGOdebitcard®?

  The replacement fee for your iGOdebitcard® is $10.00

• What should I do if my iGOdebitcard® is lost or stolen?

  Contact us by telephone at 888.432.5890 or use our contact form. Additionally, you can inform us by mail at iGObanking.com, P.O. Box 9000, East Meadow, NY 11554. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.

• Can I use my iGOdebitcard® for online purchases?

  Yes, your iGOdebitcard® can be used anywhere across the country or throughout the world where MasterCard® is accepted.

• What if I forget my iGOdebitcard® PIN?

  Using the current email address on our records, request a replacement PIN by sending an email to:
  customerservice@igobanking.com
  
  - or you can contact us by telephone at 888.432.5890. Additionally, you can inform us by mail at iGObanking.com, P.O. Box 9000, East Meadow, NY 11554. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.

• Is there a limit to the number of times I can use my iGOdebitcard® in a 24 hour period?

  Usage of your Debit card for either an ATM cash withdrawal or PIN based, point-of-sale purchase is based on a daily funds withdrawal limit. Check your iGOchecking® Account Agreement for this limit.

eStatements

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• What is an eStatement?

  eStatements is a service provided by iGObanking®. As an iGObanking® Online Banking user, you have the option to view your eStatements during your Online Banking session. In addition, iGObanking® will send you an email notification each time a new eStatement is available.

• How do I access my eStatements?

  You can access your eStatements within your iGO Online Banking session. As an eStatement Client, you will receive emails when your monthly eStatement is available. To access your monthly eStatement, simply click the link embedded in the email.

• What are my eStatement access requirements?

  To access eStatements, you need the latest version of Netscape Navigator or Microsoft Internet Explorer. You can download a free browser by accessing one of the links below:
  
  Microsoft Internet Explorer: http://www.microsoft.com/windows/ie/
  
  Netscape: http://browser.netscape.com/

• How do I reset my email and email delivery options?

  You can reset your email address and eStatement notification through your browser, by clicking on USER OPTIONS within Online Services.

• How often will I receive an e-statement on my iGObanking.com® CD?

  Monthly, you will receive an email notification that your statement is available for viewing. Your CD e-statement is electronically posted monthly.

• How often will I receive an e-statement on my iGObanking.com® savings account?

  Monthly, you will receive an email notification that your statement is available for viewing. Your savings account e-statement is electronically posted monthly.

FDIC FAQ

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• Who is iGObanking® and what is its relationship to Flushing Bank?

  iGObanking.com® is the online division of Flushing Bank. Flushing Bank is an FDIC insured institution established in 1929, serving the New York area for over 80 years. Accounts at iGObanking.com ® are FDIC insured up to the maximum allowable limits. Flushing Bank’s corporate headquarters are located at 220 RXR Plaza, Uniondale, NY 11556.

• Will my deposits be FDIC Insured?

  Yes, deposits on iGObanking.com®, a division of Flushing Bank, are FDIC insured up to the maximum allowable limits!

  The standard insurance amount is $250,000 per depositor. For further information on our FDIC insurance, click on http://www.fdic.gov/.

• What is iGObanking.com's FDIC number?

  All deposits are insured under Flushing Bank's FDIC number 58564.

• Are my IRA deposits insured?

  Yes, your IRA deposits at iGObanking.com® are FDIC insured up to $250,000 per depositor. This includes all IRA CD's combined within each Traditional and Roth and is in addition to the $250,000 non-IRA FDIC insurance.

  The standard insurance amount is $250,000 per depositor.

  iGObanking.com® is a division of Flushing Bank. Flushing Bank is registered with the FDIC under the certificate number 58564. You can learn more at http://www.fdic.gov/

• Where can I learn more about deposit insurance?

  At www.myFDICinsurance.gov this sites features updated versions of the FDIC's Electronic Deposit Insurance Estimator, an interactive tool that a bank customer can use to calculate deposit insurance coverage.

• Is there a Spanish language website dedicated to deposit insurance information?

  Yes www.fdicseguro.gov. This sites features updated versions of the FDIC's Electronic Deposit Insurance Estimator, an interactive tool that a bank customer can use to calculate deposit insurance coverage.

• Is there a program for parents and teachers to help explain the basics of good money management?

  Yes, there is. A free CD of the FDIC's "Money Smart for Young Adults", a financial education program for use by teachers and parents to explain the basics of good money management to youths between the ages of 12 and 20 is available at www.fdic.gov/consumers/consumer/moneysmart/young.html.

• Where can I get a copy of the FDIC Consumer News?

  To obtain copies of the FDIC Consumer News visit: www.fdic.gov/consumernews.

• Is there a place I can contact the FDIC with my personal finance-related questions?

  You can visit www.fdic.gov/quicklinks/consumers.html or call toll-free 1-877-ASK-FDIC (1-877-275-3342).

IRAs

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• What is an IRA?

  An IRA (Individual Retirement Account) is a retirement plan account that provides some tax advantages for retirement savings. Consult with your tax advisor for any questions concerning tax implications.

• What's the difference between a Traditional and a Roth IRA?

  When deciding between a Traditional and Roth IRA, you may want to ask yourself: Do I want to save on taxes now with a Traditional IRA or when I retire with a Roth IRA?

• Do I have to be an existing iGObanking® customer to open a Traditional or Roth IRA?

  No, we do not require you to have an existing account with iGObanking.

• How do I open an IRA?

  At the present time, iGO IRA accounts cannot be opened online. The iGO IRA account can be opened by mail. Simply follow the 6 easy steps:

  1. Review and agree to the bank Disclosures and Online Agreement
  2. Complete and print the following application form
  3. Send a personal check made payable to 'iGObanking.com' (no starter checks, money orders or third party checks please)
  4. Enclose two copies of identification:
     1. Government issued identification, such as a Drivers License or a US Passport (non resident aliens should also supply a current copy of their visa)
     2. Any other unexpired, government - issued document evidencing nationality or residence and bearing a photograph or similar safeguard, such as a National or Resident's ID number
  5. Enclose a copy of a utility bill or telephone bill (cell phone bills are not accepted)
  6. Mail your check and a completed and signed application form to the following address:
     

     iGObanking.com
     P.O. Box 9000
     East Meadow, NY 11554

• What is a beneficiary?

  A beneficiary is the person, charity, estate or trust that will take ownership of the plan and its funds when the owner passes away. When opening an IRA, it's important to designate a beneficiary or beneficiaries. Please view the plan documents for more details.

• Are there minimums to open and iGO IRA CD?

  There is a $1000.00 minimum for opening or maintaining an iGObanking Traditional or Roth IRA CD account.

• Are my IRA deposits insured?

  Yes, your IRA deposits at iGObanking.com® are FDIC insured up to $250,000 per depositor. This includes all IRA CD's combined within each Traditional and Roth and is in addition to the $100,000 non-IRA FDIC insurance. iGObanking.com® is a division of Flushing Bank. Flushing Bank is registered with the FDIC under the certificate number 58564. You can learn more at http://www.fdic.gov.

Online Banking

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• How many additional accounts can I link to my iGOSavings® Account?

  After you have opened and funded your iGOsavings ® Account, there is no limit to the number of external accounts (from other financial institutions) you can link to your account.

• How do I link an additional account to my iGOSavings® Account?

  Once you have signed into "View my Account", simply:

  • Click onto the 'Transfer Funds' tab
  • Select the 'Transfer Funds' link
  • Click on the 'Add Accounts' tab and follow the simple and easy instructions on page.

• What is iGObanking's Online Banking Agreement?

  The iGObanking ® Online Banking Agreement describes the terms and conditions required to use our iGO Online Banking channel. First-time users must read and agree to the Online Banking Agreement before using iGO Online Banking. After your initial acceptance, you are consenting to the Agreement every time you log in to iGO Online Banking. Acceptance of the Online Banking Agreement is required to use iGO Online Banking.

• What if I forget my password?

  If you forget your password, click on Forgot your password? and follow the steps to have your password reset. If you need further assistance, use our contact us form or call iGObanking's Customer Support during regular business hours (Monday to Sunday - 7:00 a.m. to 11:00 p.m. ET) at 888.432.5890.

• Who is responsible when individuals other than myself make transactions from my accounts using iGO Online Banking?

  You are responsible for all transfers and other transactions you authorize using iGO Online Banking. If you permit other people to use your Customer ID and Password to access iGO Online Banking you are responsible for any resulting transactions from your linked accounts. We will not be liable for and will not reimburse you for any losses that may occur as a result of this authorized use of your Customer Number and Password. You are responsible for keeping your Customer Number and Password confidential.

• Can I look at all of my transactions at any time?

  Yes, with iGO Online Banking, you have access to your account information 24 hours a day, 7 days a week! The balance and history information is current and the Account Summary transaction information is as of the last business day.

• Can I view my account history in iGO Online Banking?

  Yes, you can access Account History through the Account Summary section of iGO Online Banking.

Online Checking

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• What is an online checking account?

  An online checking account is an electronic transactional account that offers access to your funds via an ATM card, a Debit card, or by using Bill Payment and Presentment. An iGOchecking® account is the ideal compliment to an iGOsavings® and/or iGOcd® account.

• After my account is open, will I receive paper checks to access my account?

  No, the iGOchecking® account is a "checkless" account using state of the art electronic services. Your funds may be accessed via an iGOdebitcard®, or by using Bill Payment and Presentment. By not offering paper checks, you automatically add additional security against lost, stolen or misused paper checks.

• How do I open an iGO high interest checking account?

  To open an iGO high interest checking account, click onto "iGO open my account" in the iGObanking.com® homepage; then follow the six easy steps to complete your online checking account application.

• How do I view my iGO high interest checking account once it's been opened?

  To view your iGO high interest checking account, simply follow the View My Account link on the iGObanking.com® homepage, then enter your Username and Password.

• Do I have to change banks to open an iGOchecking® account?

  No, after you have opened and funded your iGOchecking® account, there is no limit to the number of external accounts (from other financial institutions) you can link to your account.

• Are there any fees or minimums to open my iGOchecking® account?

  There are No Fees and No MINIMUM balance to maintain your iGOchecking® account.

• Is there a minimum opening deposit?

  The minimum amount to open an iGOchecking® account is $1.00.

• How do I make deposits into my account?

   iGObanking® has really simplified online banking. By using the "Transfer Funds" feature deposits can be made into your iGOchecking® checking. The following outlines the process:

  1. Click onto the "Transfer Funds" link, then select an external account to transfer funds into your iGOchecking® account.
  2. There is no limit to the number of verified accounts you can set up to make deposits into your iGOchecking® account. Just click "Add an external account” to add a new account to your Transfer Funds profile.

• What are the fees associated with this account?

  iGOchecking® fees are listed on our fee schedule.

• Is this a paperless (electronic) account?

  Yes, you will be able to actively control your money electronically, view your monthly eStatement online, pay your bills online with iGObanking.com®’s Bill Pay and Presentment feature; and Access your money with your new iGOdebitcard®.

• What if I need to make a payment to an individual?

   iGObanking.com®’s funds transfer service offers you "Pay People” services. This feature utilizes password and email security features to initiate the electronic payment. Check your funds transfer agreement for more details

• Can I download my account activity to my computer?

  Yes, you can download your account activity to your computer and manually upload the information to Quicken.

• How do I add a joint party to my iGOchecking® account?

  To add a joint applicant to your account, please complete a manual application. The application must be signed by both the Primary and the Joint applicant(s), and include two pieces of ID (driver’s license, passport, etc.) along with proof of address for the joint applicant (Utility bill – phone, electric or gas bill, or bank statement). Mail the required documents to:
  
  iGObanking.com
  P.O. Box 9000
  East Meadow, NY 11554

• Can I open a DBA iGOchecking® account?

  At this time, iGObanking.com® is only opening personal checking accounts.

• What is the current interest rate for an iGOchecking® account?

  Our iGOchecking® account rates are available at iGObanking.com rates.

• Can I mail a check in for deposit?

  Yes, make the check payable to yourself and send it to iGObanking.com, P.O. Box 9000, East Meadow, NY 11554.

• Will I receive written notice if I overdraw my iGOchecking® account?

  Yes, you will receive an eNotice informing you that your iGOchecking® account is overdrawn.

Online Checking Funds Transfer

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• How can I transfer funds from my iGOsavings® to my iGOchecking® account?

  Once you have logged into your iGObanking.com® account, initiate the following steps:

  • Click onto the "Account Transfer" tab,
  • Enter the amount of the transfer,
  • Choose the account to transfer from; then choose the account to transfer from to, and
  • Verify and click confirm the transaction

  You will receive a confirmation page for your records.

• How often can I transfer funds internally?

  You are offered an unlimited number of internal transfers from your iGOchecking® account, however, your iGOsavings® account is limited to six (6) transfers per statement cycle, of which, no more than three (3)may be made by debit card or similar order made by the depositor and payable to third parties.

• How often can I transfer funds externally?

  You are offered an unlimited number of internal transfers from your iGOchecking® account; however, your iGOsavings® account is limited to six (6) transfer per statement cycle including no more than three (3) may be made by debit card or similar order made by the depositor and payable to third parties.

• Are there funds transfer limits on my account?

  Yes, your individual limits can be viewed in the "Transfer Funds" section while you're logged into your internet banking session.

• Are there funds transfer limits on my account?

  Yes, your individual limits can be viewed in the "Transfer Funds" section while you're logged into your internet banking session.

• Can I set-up direct deposit to my iGOchecking® account?

  Yes, the two (2) required items to set-up a direct deposit are iGObanking.com’s Routing & Transit Number (026072928), and your iGOchecking® account number. This is a simple and easy way to actively control your money.

• Is there a fee for transferring between my iGO accounts?

  There is no fee for transferring funds between your iGO accounts.

• Can external institutions auto debit (withdraw) funds from my iGO account(s)?

  Yes, providing that there are available funds in your account. All incoming deposits are held for three (3) business days.

Security

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• Is iGObanking's Online Banking System secure?

  Our iGO Online Banking System is secure. In fact, our iGO Online Banking customers are required to use a browser with one of the highest forms of encryption available for today's popular browsers. This means that information passing from your computer to our server is scrambled, making it virtually impossible for anyone to access your account information. Our iGO online banking system uses 'Multifactor Authentication', which protects against phishing, pharming and dictionary attacks, as well as keystroke logging viruses. This system protects against online fraud by providing an additional end user authentication 'factor' beyond the customer number and password logons. Multifactor Authentication works by recognizing the computer terminal that you used to sign up for iGO Online Banking. If you use another computer to logon to iGO online banking, our system will recognize this and ask you to answer a series of security questions that you had set up when initially signing up for iGO Online Banking.

• Why does the system "time out" occasionally?

  For your protection, iGO Online Banking automatically disconnects after 10 minutes of inactivity.

• What are the system requirements for iGO Online Banking?

  You will need the latest version of Netscape Navigator or Microsoft Internet Explorer, along with an additional security download from Microsoft (Service Pack 2) to ensure a maximum (128-Bit) encryption. You must also have JavaScript enabled on your browser. Visit http://www.microsoft.com/windows/ie/default.mspx for free downloads.

• Can I access iGO Online Banking from any computer?

  You can access your iGO Online Banking accounts anywhere you have Internet access and a 128-bit browser. In order to view your accounts you will be required to answer a series of security questions that you had set up when you initially signed up for iGO Online Banking. After you have completed these security questions you will be given the option to enroll that computer in addition to your original terminal.

• As an iGObanking.com® customer, how can I ensure that my identity is protected?

  NEVER provide personal identifying information in response to an unsolicited request. iGObanking.com will never ask or solicit you for any information pertaining to your passwords or debit/ATM/credit card(s). If you suspect that you have been the victim of fraudulent internet activity, contact iGObanking.com® using our contact form, and the Federal Trade Commission at www.consumer.gov/idtheft or by calling 1-877-IDTHEFT immediately.

Account Maintenance

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• How do I add a beneficiary to my iGObanking.com® account?

  You can click on the Beneficiary link when you are logged into online banking or send the request in writing to iGObanking.com, P.O. Box 9000, East Meadow, NY 11554.

• How do I delete a beneficiary?

  Send your instructions by using the contact us form. Please state the beneficiary's name you wish to delete, their relationship to the account holder, and the last four-digits of your Social Security number. You can also send the request in writing to iGObanking.com at P.O. Box 9000, East Meadow, NY 11554.

• My initial transfer set-up does not show in the drop-downs when I click transfer funds. Why?

  Since iGObanking.com offers the ability to set-up an unlimited amount of accounts, your initial funding account, along with any other deposit account, will need to be re-verified.

• How do I make deposits and withdrawals into my iGObanking.com accounts?

  All deposits and withdrawals are initiated during your internet banking session online.

  • By clicking onto the "Transfer Funds" link, select an external account to transfer funds to or from your iGObanking.com® accounts.
  • To make a deposit from an external account into your online savings or money market savings accounts, select from one of your verified existing accounts or click "Manage Accounts", then click "Add an external account" to add a new account from your other financial institution.
  • Initiating a withdrawal from your iGObanking.com® savings account involves a similar process: in the "Transfer Funds" section, select your iGObanking.com® account; then select the appropriate external account you wish to transfer the funds to.

• What is the latest time I can schedule a premium transfer for the next day?

  5:00 pm PST.

• Are there funds transfer limits on my account?

  Yes, your individual limits can be viewed in the "Transfer Funds" section while you're logged into your internet banking session.

• How do I add a joint party to my iGObanking.com®?

  Send your request by using the contact us form. The Bank will contact you for additional information.

• Can I set-up direct deposit to my iGObanking.com® account?

  Yes, the two required items to set-up a direct deposit are iGObanking's Routing & Transit Number (026072928), and your iGObanking.com^® account number. This is a simple and easy way to actively control your money and watch your savings grow.

• Can I set-up notifications on my iGObanking.com® accounts?

  Yes, the notifications feature is available to all iGObanking.com® customers.

Bill Pay & Presentment

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• Does my iGOchecking® account include free Bill Pay?

  Free Bill Pay and presentment is one of the premium features of your iGOchecking® account.

• How do I sign-up for Bill Pay and Presentment?

  After logging into your iGObanking.com account, click onto the Bill Payment tab. Click onto the "Click here to sign up for Bill Payment" link on the page. Answer a few simple questions, and then you are enrolled.

• When can I start using Bill Payment?

  After enrolling for Bill Payment, you will first receive an approval email. Once your account has been enabled, you will receive a Welcome email indicating that you may begin using your Bill Pay & Presentment service.

• Is there a limit on the amount of bills I can pay?

  There is no limit on the amount of bills you can pay. Transaction limits may apply; read our disclosure for details.

• How are Bill Payment transactions reflected on my checking account?

  All Bill Payment transactions are reflected as an ACH debit on the account statement.

• Can I use Bill Payment from outside the U.S.?

  Payments may only be debited from U.S. bank accounts, and may only be made to payees inside the U.S.

• Who can be paid using the Bill Payment Service?

  Anyone in the United States and its territories who can accept a check (with the exception of tax payments such as federal, state and local), court-directed payments (such as alimony and child support), and any other government related payments.

• What if my payment is not received?

  Contact the customer service number 1-888-432-5890 or use our contact form.