Internet Savings Account | Online Banking

General

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

Q: Is iGObanking.com^® a safe and financially sound organization?
A: iGObanking.com® is an online division of Flushing Savings Bank, FSB, and a FDIC insured institution established in 1929. Accounts at iGObanking® are FDIC insured to the maximum allowable limits.

Q: Will my deposits be FDIC Insured?
A: Yes, deposits on iGObanking.com®, a division of Flushing Savings Bank, FSB, are FDIC insured up to the maximum allowable limits! For further information on our FDIC insurance, click on http://www.fdic.gov/.

Q: What is iGObanking.com's FDIC number?
A: The FDIC number for iGObanking.com® is 16049.

Q: Does iGObanking.com® offer trust accounts?
A: At this time, iGObanking.com® does not offer trust accounts.

Q: Does iGObanking.com® offer custodial accounts?
A: At this time, iGObanking.com® does not offer custodial accounts.

Q: What is the routing and transit number for iGObanking.com®?
A: The iGObanking.com® routing and transit number is 026072928.

Q: Can I wire funds into my iGObanking.com® account?
A: Yes, by using the R&T number, 026072928, instruct the sender to include your name and your iGObanking.com® account number and you can wire funds into your account. A fee will apply.

Q: How is interest calculated?
A: Interest will be compounded daily and credited to your account monthly.

Account Opening

Q: How do I open an account on iGObanking.com®?
A: Click onto the "iGO open my account" button on the iGObanking.com® homepage, and then follow the instructions within the six easy steps to complete your online banking application.

Q: What is a linked account?
A: When you initially set up your account with us, a link is created between your existing bank account and your new iGObanking.com® account(s).

Q: What type of accounts can I link?
A: Account types that can be linked to your iGObanking.com® account include checking, savings, and money market accounts.

Q: Can I open an account by telephone?
A: With iGObanking.com®, you can open an account online and by mail. At this time, iGObanking.com® does not accept applications via the telephone.

Q: What types of accounts are offered by iGObanking.com®?
A: With iGObanking.com,® you can open high-yielding savings, money market savings, IRAs and CD accounts.

Q: What do I do after my account has been approved?
A: You will receive a welcome letter (provides you with your iGObanking.com® account number), followed by your custom personal identification number, PIN, which provides you access to your new iGObanking.com® account. Additionally, you will receive an email indicating that your funds have been transferred from your selected financial institution.

Q: How do I view my account after it has been approved?
A: After your account has been opened and funded you will receive your custom PIN (it usually takes 3 - 4 business days), to log into your iGObanking® account. Visit our website, at www.iGObanking.com, you'll sign in using your Social Security number, as your username, and your custom PIN as your password.

Q: Why do I have to wait for my PIN mailer to access my iGObanking.com® account?
A: To ensure your personal identity, the Bank adds an additional security measure by sending your PIN mailer to your home address.

Q: Can I open more than one iGObanking.com® account?
A: Yes, and we offer a feature to rename your accounts for easy record keeping.

Q: Do I have to change banks to open an iGObanking.com® account?
A: No, after you have opened and funded your iGObanking.com® account, there is no limit to the number of external accounts (from other financial institutions) you can link to your account.

Q: Can I fund my iGObanking.com® account with a check?
A: Yes, your online savings, online checking, money market savings, or CD accounts can be funded with a check made payable to yourself sent to iGObanking.com®, 42-11 Bell Blvd., Bayside, NY 11361.

Q: Can I open an account by mail?
A: With iGObanking.com®, you can open an account online and by mail.

Q: What documents can I send for address verification?
A: Any utility bill or bank statement that verifies your place of residence. PO Boxes are not accepted.

Q: My account application decision was "Review." What is the next step?
A: An iGObanking® specialist will contact you regarding your online application and the Bank will advise you what documents are required to complete the online account process.

Savings Accounts

Q: What is a savings account?
A: 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.

Q: Is there a difference between a regular savings account and an online savings account?
A: 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.

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

Q: How do I view my iGO high interest savings account once it's been opened?
A: 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.

Q: Will I have to close my current savings account when I open my iGO high interest savings account?
A: No. After you open your iGO high interest savings account, you can transfer the money you want from your current savings account.

Q: What is the current interest rate for an iGO online savings account?
A: iGObanking.com® Online Savings Account Holders currently earn 1.91% APY*.

*Annual Percentage Yield. The APY on the iGOSavings® Account is effective as of 06/27/09. Rate may change on iGOSavings® Account after the account is opened without notice.

Q: Are there any fees or minimums to open my iGO high interest savings account?
A: There are NO FEES and NO MINIMUMS to open your iGO high interest savings account.

CD Accounts

Q: What is a Certificate of Deposit (CD)?
A: 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.

Q: What are the CD interest rates for an iGO high yield CD?
A: The CD interest rates for an iGO high yield CD are up to 3.50% APY*.

*Annual Percentage Yield. APY's are effective as of 06/27/09. Minimum balance required is $1000. A penalty may be imposed for early withdrawal on CD's. Restrictions may apply, see rate table for details.

Q: Is there a difference between a regular CD and an online CD?
A: 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.

Q: How do I open an iGO high yield CD?
A: 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.

Q: How do I view my iGO high yield CD once it's been opened?
A: To view your iGO high yield CD, simply enter your Username and Password under the "View my Account" heading on the iGObanking.com® homepage.

Q: How long can I open my iGO high yield CD for?
A: You can open your iGO high yield CD from 3 months to 5 years. See the rates page for more information on CDs and CD interest rates.

Q: Are there any fees or minimums to open my iGO high yield CD?
A: There is minimum balance of $1000 to open your iGO high yield CD and there are no fees.

Q: Is there a penalty for early withdrawal for my iGObanking.com® CD?
A: Yes, Early withdrawal penalties may apply. A penalty may be imposed for withdrawals before maturity:

If your account has an original maturity of less than three months:
The penalty we may impose is greater of:
- 7 days interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit.
- all interest on the amount withdrawn subject to penalty
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 of one year or greater:
- The fee we may impose will equal six months simple interest on the amount withdrawn subject to penalty.

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.

Q: What is the process to close my iGObanking.com® CD account during the grace period?
A: In order to close your iGOcd account durning the grace period click here to contact us. Please refer to your CD maturity notice, and based on the choices listed, instruct the Bank accordingly. For mail-in applications, your instructions must be in writing.

Q: Will I be sent a maturity notice for my iGObanking.com® CD?
A: Yes, you will be sent an email notification that your maturity notice is available for viewing in the online services section.

Q: Can I add money to my CD once it's opened?
A: No, the only time you can add money is during your CD grace period.

Online Banking

Q: How many additional accounts can I link to my iGOSavings® Account?
A: 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.

Q: How do I link an additional account to my iGOSavings® Account?
A: 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.

Q: What is iGObanking's Online Banking Agreement?
A: 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.

Q: What if I forget my password?
A: If you forget your password, click on Forgot your password? and follow the steps to have your password reset. If you need further assistance, click here or call iGObanking's Customer Support during regular business hours (Monday to Friday - 9:00 a.m. to 5:00 p.m. and Saturday - 9:00 a.m. to 3:00 p.m. EST) at 1-888-432-5890.

Q: Who is responsible when individuals other than myself make transactions from my accounts using iGO Online Banking?
A: 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.

Q: Can I look at all of my transactions at any time?
A: 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.

Q: Can I view my account history in iGO Online Banking?
A: Yes, you can access Account History through the Account Summary section of iGO Online Banking.

Account Maintenance

Q: How do I add a beneficiary to my iGObanking.com® account?
A: Click here to add a beneficiary to your account. You can also send the request in writing to iGObanking.com, 42-11 Bell Boulevard, Bayside, New York 11361.

Q: How do I delete a beneficiary?
A: Click here to contact us. 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 42-11 Bell Boulevard, Bayside, New York 11361.

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

Q: How do I make deposits and withdrawals into my iGObanking.com accounts?
A: 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 onto the "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.

Q: What is the latest time I can schedule a premium transfer for the next day?
A: 5:00 pm PST.

Q: Are there funds transfer limits on my account?
A: Yes, your individual limits can be viewed in the "Transfer Funds" section while you're logged into your internet banking session.

Q: When are deposits available for withdrawal?
A: All incoming deposits are held for 3 business days.

Q: How do I add a joint party to my iGObanking.com®?
A: Click here to contact us, and the Bank will follow-up on your request.

Q: Can I set-up direct deposit to my iGObanking.com® account?
A: 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.

Q: Can I set-up notifications on my iGObanking.com® accounts?
A: Yes, the notifications feature is available to all iGObanking.com® customers.

Security

Q: Is iGObanking's Online Banking System secure?
A: 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.

Q: Why does the system "time out" occasionally?
A: For your protection, iGO Online Banking automatically disconnects after 10 minutes of inactivity. You may change your inactivity period in the "User Options" section of iGO Online Banking.

Q: What are the system requirements for iGO Online Banking?
A: 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.

Q: Can I access iGO Online Banking from any computer?
A: 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.

Q: As an iGObanking.com® customer, how can I ensure that my identity is protected?
Phishing is an internet criminal activity which attempts to fraudulently acquire sensitive information, such as usernames, passwords, and credit card details. Phishing is typically carried out by email, often directing users to give personal and confidential information at a legitimate looking website. Different approaches include reasons such as but not limited to:

“We’re updating our records”
“We’ve identified fraudulent activity on your account” or
“Valuable account and personal information was lost due to a computer error”

The urgent tone of these emails encourages people to act immediately and, on occasion, threatens that the account could be closed or cancelled.

A: 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® at customerservice@igobanking.com, and the Federal Trade Commission at www.consumer.gov/idtheft or by calling 1-877-IDTHEFT immediately.

eStatements

Q: What is an eStatement?
A: 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.

Q: How do I access my eStatements?
A: You can access your eStatments 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.

Q: What are my eStatement access requirements?
A: 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/

Q: How do I reset my email and email delivery options?
A: You can reset your email address and eStatement notification through your browser, by clicking on USER OPTIONS within Online Services.

Q: How often will I receive an e-statement on my iGObanking.com® CD?
A: Monthly, you will receive an email notification that your statement is available for viewing. Your CD e-statement is electronically posted monthly.

Q: How often will I receive an e-statement on my iGObanking.com® savings account?
A: Monthly, you will receive an email notification that your statement is available for viewing. Your savings account e-statement is electronically posted monthly.

First-time Users

Enhanced Logon Security

General

Account Opening

Internet Savings Accounts

CD Accounts

Online Banking

Account Maintenance

Security

eStatements

General

Account Opening

Savings Accounts

CD Accounts

Online Banking

Account Maintenance

Security

eStatements