General
- What is an online checking account?
- After my account is open, will I receive paper checks to access my account?
- How do I open an iGO high interest checking account?
- How do I view my iGO high interest checking account once it’s been opened?
- Do I have to change banks to open an iGOchecking® account?
- Are there any fees or minimums to open my iGOchecking® account?
- Is there a minimum opening deposit?
- Can I apply by mail or email?
- How do I make deposits into my account?
- What are the fees associated with this account?
- Is this a paperless (electronic) account?
- What if I need to make a payment to an individual?
- Can I download my statement to QuickBooks or Quicken?
- How do I add a joint party to my iGOchecking® account?
- Can I open a DBA iGOchecking® account?
- What is the current interest rate for an iGOchecking® account?
- Can I mail a check in for deposit?
- Will I receive written notice if I overdraw my iGOchecking® account?
Funds Transfer
- How can I transfer funds from my iGOsavings® to my iGOchecking® account?
- How often can I transfer funds internally?
- How often can I transfer funds externally?
- Are there funds transfer limits on my account?
- Can I set-up direct deposit to my iGOchecking® account?
- Is there a fee for transferring between my iGO accounts?
- Can external institutions auto debit (withdraw) funds from my iGO account(s)?
Bill Pay & Presentment
- Does my iGOchecking® account include free Bill Pay?
- How do I sign-up for Bill Pay and Presentment?
- When can I start using Bill Pay and Presentment?
- Is there a limit on the amount of bills I can pay?
- How are Bill Payment transactions reflected on my checking account?
- Can I use Bill Payment from outside the U.S.?
- Who can be paid using the Bill Payment Service?
- What if my payment is not received?
Debit Card
- Is there a Debit Card offered with my iGOchecking® account?
- How do I apply for an iGOdebitcard®?
- What is the annual fee for my iGOdebitcard®?
- What is the charge for a PIN based transaction®?
- Are there any fees associated with ATM transactions®?
- Is there a fee for a replacement iGOdebitcard®?
- What should I do if my iGOdebitcard® is lost or stolen?
- Can I use my iGOdebitcard® for online purchases?
- What if I forget my iGOdebitcard® PIN?
- Is there a limit to the number of times I can use my iGOdebitcard® in a 24 hour period?
General
Q: What is an online checking account?
A: 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.
Q: After my account is open, will I receive paper checks to access my account?
A: 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.
Q: How do I open an iGO high interest checking account?
A: 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.
Q: How do I view my iGO high interest checking account once it's been opened?
A: 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.
Q: Do I have to change banks to open an iGOchecking® account?
A: 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.
Q: Are there any fees or minimums to open my iGOchecking® account?
A: There are No Fees and No Minimums to open your iGOchecking® account.
Q: Is there a minimum opening deposit?
A: The minimum amount to open an iGOchecking® account is $1.00.
Q: Can I apply by mail or email?
A: An iGOchecking® account can be opened either electronically online or by mail; we do not accept applications via email at this time.
Q: How do I make deposits into my account?
A: 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:
- Click onto the "Transfer Funds" link, then select an external account to transfer funds into your iGOchecking® account.
- 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.
Q: What are the fees associated with this account?
A: Please click here to view the iGOchecking® fee schedule.
Q: Is this a paperless (electronic) account?
A: 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®.
Q: What if I need to make a payment to an individual?
A: 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
Q: Can I download my statement to QuickBooks or Quicken?
A: Yes, we offer several downloadable options: MS Money (OFX), Quicken 99 (QIF and foreign date format), QuickenFinancial (QFX) and comma separated variables.
Q: How do I add a joint party to my iGOchecking® account?
A: 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®
42-11 Bell Blvd
Bayside NY 11361
Q: Can I open a DBA iGOchecking® account?
A: At this time, iGObanking.com® is only opening personal checking accounts.
Q: What is the current interest rate for an iGOchecking® account?
A: To view the current iGOchecking® account rate and all other iGObanking.com rates, Click Here.
Q: Can I mail a check in for deposit?
A: Yes, make the check payable to yourself and send it to iGObanking.com®, 42-11 Bell Blvd., Bayside, NY 11361.
Q: Will I receive written notice if I overdraw my iGOchecking® account?
A: Yes, you will receive an eNotice informing you that your iGOchecking® account is overdrawn.
Funds Transfer
Q: How can I transfer funds from my iGOsavings® to my iGOchecking® account?
A: 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.
Q: How often can I transfer funds internally?
A: 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.
Q: How often can I transfer funds externally?
A: 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.
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: Can I set-up direct deposit to my iGOchecking® account?
A: 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.
Q: Is there a fee for transferring between my iGO accounts?
A: There is no fee for transferring funds between your iGO accounts.
Q: Can external institutions auto debit (withdraw) funds from my iGO account(s)?
A: Yes, providing that there are available funds in your account. All incoming deposits are held for three (3) business days.
Bill Pay & Presentment
Q: Does my iGOchecking® account include free Bill Pay?
A: Free Bill Pay and presentment is one of the premium features of your iGOchecking® account.
Q: How do I sign-up for Bill Pay and Presentment?
A: 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.
Q: When can I start using Bill Payment?
A: 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.
Q: Is there a limit on the amount of bills I can pay?
A: There is no limit on the amount of bills you can pay. Transaction limits may apply, click here for details
Q: How are Bill Payment transactions reflected on my checking account?
A: All Bill Payment transactions are reflected as an ACH debit on the account statement.
Q: Can I use Bill Payment from outside the U.S.?
A: Payments may only be debited from U.S. bank accounts, and may only be made to payees inside the U.S.
Q: Who can be paid using the Bill Payment Service?
A: 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.
Q: What if my payment is not received?
A: Contact the customer service number 1-888-432-5890 or email us at customerservice@igobillpay.com
Debit Card
Q: Is there a debit card offered with my iGOchecking® account?
A: Yes, iGObanking.com® offers a free MasterCard® Debit card with your online checking account.
Q: How do I apply for an iGOdebitcard®?
A: Using the email address you provided at your account opening, send your request for your iGOdebitcard® to:
customerservice@igobanking.com
- or send your request by mail to iGObanking.com®, 42-11 Bell Blvd., Bayside, NY 11361.
Q: What is the annual fee for my iGOdebitcard®?
A: Your iGOdebitcard® is free.
Q: What is the charge for a PIN based transaction?
A: Please click here to view the iGOchecking® fee schedule.
Q: Are there any fees associated with ATM transactions?
A: Please click here to view the iGOchecking® fee schedule.
Q: Is there a fee for a replacement iGOdebitcard®?
A: The replacement fee for your iGOdebitcard® is $10.00
Q: What should I do if my iGOdebitcard® is lost or stolen?
A: Using the current email address on our records, send us notification of your lost iGOdebitcard® to:
customerservice@igobanking.com
- or you can contact us by telephone at 1-888-432-5890. Additionally, you can inform us by mail at iGObanking.com®, 42-11 Bell Blvd., Bayside, NY 11361. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.
Q: Can I use my iGOdebitcard® for online purchases?
A: Yes, your iGOdebitcard® can be used anywhere across the country or throughout the world where MasterCard® is accepted.
Q: What if I forget my iGOdebitcard® PIN?
A: 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 1-888-432-5890. Additionally, you can inform us by mail at iGObanking.com®, 42-11 Bell Blvd., Bayside, NY 11361. Upon receipt of your inquiry, you will receive a confirmation response within 24 hours.
Q: Is there a limit to the number of times I can use my iGOdebitcard® in a 24 hour period?
A: 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.
