Personal Banking FAQs

Q: How do I open an account or move my account from another bank to Kish Bank?

A: Kish makes opening an account an easy process, and our Personal Bankers will help you select the account that’s right for you. When you’re ready to open your account, use our Switch to Kish checklist that outlines all of the information you will need to open your account quickly and easily.

Q: How do I change my name on my accounts?

A: In order to change your name, please visit any Kish branch to sign a maintenance form.

Q: How do I change my mailing or email address?

A: In order to change your address, please visit any Kish Bank branch to sign a maintenance form. If you are enrolled in Kish Digital Banking, you can also change your address online.

Q: What are the different ways I can access my accounts?

A: Accounts can be accessed at any Kish Bank branch, or electronically through ATMs, Kish Digital Banking, TeleBanking, and Text Banking.

Q: How do I access my Kish Bank accounts online?

A: If you are already enrolled in Kish Digital Banking, click on the yellow “LOGIN” box at the top of any Kish webpage and enter your login information.

To enroll, simply click the yellow “LOGIN” button, then click the “Sign Up” link and follow the prompts. Learn more about Digital Banking here.

Q: How do I order checks?

A: Kish Bank utilizes Main Street Inc. for all check ordering needs. If you wish to place a new order or would like to reorder the same style that you currently have, please visit or call any Kish branch or click here to order.

Q: What is my routing number?

A: Every bank has an individual ID or routing number. Kish Bank’s routing number is 031310552.

Q: How do I purchase a cashier’s check or money order?

A: Visit any Kish branch to purchase. (A fee may apply.)

Q: How do I purchase a savings bond?

A: Beginning January 1, 2012, all in-branch methods of purchasing savings bonds were discontinued by the government. Individuals can visit treasurydirect.gov to purchase savings bonds.

Q: How do I order foreign currency?

A: If you wish to order a small amount of Euros or Canadian Dollars, you can visit a Kish Bank branch for immediate service. However, if you need another type of foreign currency or a large denomination, we will do our best to fulfill your order quickly and efficiently.

Q: How do I get a copy of a canceled check?

A: Copies of canceled checks can be ordered by visiting or calling any Kish Bank branch. (A fee may apply.)

Q: How do I renew a CD?

A: CDs can be renewed by visiting any Kish branch. Most Kish Bank CDs will automatically renew based on the terms and conditions presented at the time of account opening.

Q: How do I rent a safe deposit box?

A: A Kish Banker will be happy to open a safe deposit box for you. Simply visit any Kish Bank branch for sizes and availability.

Q: What is FDIC Insurance? Are my deposits FDIC insured?

A: Kish Bank is a Federal Deposit Insurance Corporation (FDIC) bank, meaning that customers are granted the safety of the funds in their deposit accounts in accordance to FDIC standards. The U.S. government has limits in place, per financial institution. If you have questions regarding the protection of your funds, please visit any Kish Bank branch or use the Electronic Deposit Insurance Estimator (EDIE) provided by the FDIC.

Q: What should I do if my check, checkbook, or debit card is lost or stolen?

A: If an unfortunate instance arises and you have lost or had your banking items stolen, please call us at 1-800-981-5474 as soon as possible. To report a lost or stolen debit card after banking hours, please call 1-888-333-5474 and follow the appropriate prompts.

Q: How do I open an account or move my account from another bank to Kish Bank?

A: Kish makes opening an account an easy process, and our Personal Bankers will help you select the account that’s right for you. When you’re ready to open your account, use our Switch to Kish checklist that outlines all of the information you will need to open your account quickly and easily.

Q: How do I change my name on my accounts?

A: In order to change your name, please visit any Kish branch to sign a maintenance form.

Q: How do I change my mailing or email address?

A: In order to change your address, please visit any Kish Bank branch to sign a maintenance form. If you are enrolled in Kish Digital Banking, you can also change your address online.

Q: What are the different ways I can access my accounts?

A: Accounts can be accessed at any Kish Bank branch, or electronically through ATMs, Kish Digital Banking, TeleBanking, and Text Banking.

Q: How do I access my Kish Bank accounts online?

A: If you are already enrolled in Kish Digital Banking, click on the yellow “LOGIN” box at the top of any Kish webpage and enter your login information.

To enroll, simply click the yellow “LOGIN” button, then click the “Sign Up” link and follow the prompts. Learn more about Digital Banking here.

Q: How do I order checks?

A: Kish Bank utilizes Deluxe^® for all check ordering needs. If you wish to place a new order or would like to reorder the same style that you currently have, please visit or call any Kish branch or click here to order.

Q: What is my routing number?

A: Every bank has an individual ID or routing number. Kish Bank’s routing number is 031310552.

Q: How do I purchase a cashier’s check or money order?

A: Visit any Kish branch to purchase. (A fee may apply.)

Q: How do I purchase a savings bond?

A: Beginning January 1, 2012, all in-branch methods of purchasing savings bonds were discontinued by the government. Individuals can visit treasurydirect.gov to purchase savings bonds.

Q: How do I order foreign currency?

A: If you wish to order a small amount of Euros or Canadian Dollars, you can visit a Kish Bank branch for immediate service. However, if you need another type of foreign currency or a large denomination, we will do our best to fulfill your order quickly and efficiently.

Q: How do I get a copy of a canceled check?

A: Copies of canceled checks can be ordered by visiting or calling any Kish Bank branch. (A fee may apply.)

Q: How do I renew a CD?

A: CDs can be renewed by visiting any Kish branch. Most Kish Bank CDs will automatically renew based on the terms and conditions presented at the time of account opening.

Q: How do I rent a safe deposit box?

A: A Kish Banker will be happy to open a safe deposit box for you. Simply visit any Kish Bank branch for sizes and availability.

Q: What is FDIC Insurance? Are my deposits FDIC insured?

A: Kish Bank is a Federal Deposit Insurance Corporation (FDIC) bank, meaning that customers are granted the safety of the funds in their deposit accounts in accordance to FDIC standards. The U.S. government has limits in place, per financial institution. If you have questions regarding the protection of your funds, please visit any Kish Bank branch or use the Electronic Deposit Insurance Estimator (EDIE) provided by the FDIC.

Q: What should I do if my check, checkbook, or debit card is lost or stolen?

A: If an unfortunate instance arises and you have lost or had your banking items stolen, please call us at 1-800-981-5474 as soon as possible. To report a lost or stolen debit card after banking hours, please call 1-888-333-5474 and follow the appropriate prompts.

Q: What are the stipulations surrounding the availability of funds that have been deposited?

A: Kish Bank provides immediate availability of funds that are deposited. If a hold is necessary, you will be given a hold notice at the time of the deposit.

Q: Can I mail a deposit?

A: Yes. You may mail a deposit, with a deposit ticket, to the following address:

Kish Bank
4255 E. Main Street
Belleville, PA 17004

Q: How do I set up a direct deposit?

A: Direct deposit is a convenient and secure way to receive your money the same day you are paid. Contact the company (often your employer) that initiates the direct deposit and provide them with your Kish Bank routing and account number. Sometimes, companies also request a copy of a voided check.

Q: How do I place a stop payment on a check?

A: To place a stop payment, you can either call or visit a Kish Bank branch. If you are a Kish Digital Banking customer, you can process the stop payment using Digital Banking. (There may be a fee for this service.)

Q: What is the cut-off time for a transaction to be posted on the same business day?

A: Cut-off times vary depending on how a deposit was made (in a branch, by mail, at an ATM, by Remote Deposit Capture, or by mobile app). Please refer to our Funds Availability Policy for full details.

Q: How do I transfer funds?

A: Funds can be transferred from one eligible Kish Bank account to another by calling or visiting a Kish branch. Transfers can also be completed through Digital Banking or TeleBanking.

Q: Can I transfer funds from my checking or savings account to make a Kish Bank loan payment?

A: Yes, you may transfer funds from a checking or savings account to make a Kish Bank loan payment.

Q: How do I set up automatic transfers?

A: Automatic transfers can be initiated at any Kish branch, or you may set up recurring transfers through Digital Banking.

Q: Can I transfer funds to a foreign country?

A: Yes. To send money outside of the United States, a foreign wire must be initiated. Any of our Kish Bank branches will be able to assist you with the completion of an International Wire Request Form. (A fee may be assessed for this service.)

Q: How do I send or receive a wire transfer?

A: To send or receive a wire, you will need to provide specific instructions. If you need assistance with the details of those instructions, please contact your local Kish Bank branch for additional details. Kish Bank is able to send wires to other financial institutions, both domestic and international. (A fee may be assessed for this service.)

Q: How do I get a copy of my monthly statement?

A: If you no longer have access to the original statement that was sent to you, contact a Kish branch and we will give you a copy of the statement you are missing.

Q: Is it possible to include all my accounts on one statement?

A: Yes, Kish Bank offers a service called Combined Statements in which all of your accounts are able to be combined onto one convenient monthly statement. To enroll in Combined Statements, please call or visit a Kish branch.

Q: What are eStatements?

A: eStatements are a way to receive your account statements electronically through Digital Banking instead of being sent a paper statement in the mail. Learn more about eStatements here.

Q: How do I sign up to begin receiving eStatements?

A: To enroll in eStatements, log in to Digital Banking, click on “Documents” from the menu, and follow the prompts. eStatement customers will also receive eNotices (electronic delivery of notices like overdraft notices, late payment notices for loans, or CD maturity notices).

Q: Are eStatements secure?

A: Yes, eStatements are secure and convenient! You have the option to print and/or save the eStatements to your computer. Use the same caution with protecting copies of your eStatements as you would your paper statements.

Q: Is there a charge to receive eStatements?

A: There is no charge to receive your statements electronically.

Q: How do I receive and view my eStatements?

A: You will be sent an email notification when your statements are available to view. Then, you can log in to your Digital Banking account and visit the “Documents” section to view your available eStatements or eNotices. (In order to assist with account security, statements are not emailed directly to you.)

Q: How long will I be able to access my eStatements?

A: eStatements can be accessed for 24 months.

Q: Can I receive both paper and electronic versions of my statements?

A: No. Only one statement delivery method can be selected.

Q: How can I switch back to paper statements?

A: If you would like to switch back to paper statements, you can do so by contacting a Kish Bank branch.

Q: What is a debit card?

A: A debit card is like an electronic check. It accesses the funds in your checking account, and can be used anywhere MasterCard^® is accepted. A debit card is a more convenient way to make purchases, as opposed to writing checks. Your debit card can also be used at ATMs to access your checking account.

Q: Does the MasterCard^® logo on the Kish debit card mean it is a credit card?

A: No, a debit card does not work like a credit card. Instead of receiving a monthly bill, funds are directly withdrawn from your checking account when you use the card. The MasterCard^® logo is printed on the card because the card can be used anywhere MasterCard is accepted.

Q: Does the Kish debit card have an annual fee or any transaction fees?

A: There is no annual fee to have a Kish debit card. Transaction fees are dependent on the type of account you have. If you need further details on any possible fees for using your debit card, please contact us or view our Account Services & Fees.

Q: How do I activate my Kish debit card?

A: To activate your debit card, call 1-877-965-3344 and follow the prompts.

Q: What accounts can I access with my debit card?

A: Your Kish checking and savings accounts can be accessed using your debit card.

Q: How do I keep track of the purchases I make with my debit card?

A: It is important that you keep track of any card transactions, just as you would track any checks written. Write down your transactions on your check register at the time of the transaction.

Q: Does the Kish debit card have any purchases or cash withdrawal limits?

A: Each type of Kish Bank account has varying daily limits for purchase and cash withdrawals. If you have questions on your limits or need to have them temporarily increased, please contact your local Kish branch.

Q: What happens if I return an item that was purchased with my debit card?

A: Each store may have different rules on returning items that were purchased with a debit card—however, the most common method is that if the item was purchased using a PIN, you will receive cash back when you make the return. If the item was purchased and you signed the receipt (as a credit transaction), then you will receive a refund to your checking account in the timeframe established by the merchant.

Q: What should I do if I think there is an error on a transaction made with my debit card?

A: The first step to take if you identify a possible error is to contact the merchant or place that withdrew the money. If they are unable to make the correction, stop by your local Kish branch in order to take next steps toward resolution.

Q: What should I do if my debit card is lost or stolen?

A: It is very important that you alert Kish of a lost or stolen card as soon as you discover the card is missing. If it is during normal banking hours, call your local Kish office. If it is during non-banking hours, call 1-888-333-5474.

Q: What is the fee to use a non-Kish ATM?

A: If you use a non-Kish Bank ATM to perform a transaction, there may be a $2.00 fee per transaction from Kish Bank. The Expect More Checking account allows a certain number of free non-Kish ATM transactions statement cycle (view fee information here). The other bank may also charge a fee for using their ATM.

Q: What should I do to replace a lost, stolen, or damaged debit card?

A: If you need to replace a debit card, please stop by any Kish branch to sign an application for replacement.

Q: Can I use my Kish debit card outside of the United States?

A: Yes, Kish debit cards can be used worldwide, as long as the terminal you are using supports the use of our card types. If you will be traveling, be sure to call Kish Bank so we can note that you may be using your card in uncharacteristic locations to avoid having your card flagged as having potentially fraudulent transactions.

Q: My debit card is going to expire soon. Do I need to do anything?

A: If the expiration date of your card is nearing, you will automatically be issued a new card with the same card number and PIN that is associated to your existing card. You should receive your new card approximately 2–3 weeks prior to the expiration date. When your new card is received, you will be required to activate it by following the instructions that come with your new card.

Q: How do I obtain a Personal Identification Number (PIN) or change my existing PIN?

A: If you wish to change your PIN, you can do so using Digital Banking or by calling 1-888-333-5474 and choosing the appropriate prompts. You will be prompted to enter your existing PIN, then your new PIN of choice. If you have misplaced or forgotten your PIN, please contact any Kish Bank branch and a new PIN can be issued.

Q: What is an overdraft?

A: An overdraft is when money is withdrawn from an account and causes the balance to go below $0.00. You can learn more about overdrafts and how to avoid overdraft fees in our articles, Overdraft Protection and Managing Your Checking Account.

Q: What is Overdraft Protection?

A: An Overdraft Protection Plan prevents an overdraft from occurring by automatically transferring available funds from another account owned by the same person. Alternatively, Kish may pay overdrafts up to an assigned overdraft limit (based on account type) for personal checking account customers enrolled in the Kish Courtesy Overdraft Program. The Kish Courtesy Overdraft Program is a discretionary overdraft coverage service and may be revoked at any time. Visit our Overdraft Protection page for more information about overdraft options.

Q: Which accounts are eligible for overdraft protection?

A: All Kish Bank checking accounts have overdraft protection options. Discuss which option will best suit your needs with any Kish Personal Banker.

Q: Does Kish always authorize and pay overdrafts on my account?

A: Overdrafts are authorized and paid at the Bank’s discretion based on the type of overdraft protection you have established. We do not guarantee that we will always authorize and pay any type of transaction.

Q: Why don’t you authorize or pay overdrafts on my ATM or everyday debit card transactions?

A: If you have not opted-in to our extended overdraft protection option, ATM and everyday debit card transactions are not permitted if they will cause an account to go below $0.00.

Q: Why would I want to give you permission (opt-in) to authorize and pay overdrafts for my ATM or everyday debit card transactions?

A: By opting-in to the extended overdraft protection program, Kish will cover one-time ATM or debit card transactions in the event that you do not have enough money in your account to complete the transaction. This may be beneficial should an emergency arise and you must pay for something, but do not have that full balance in your account at that time. If you do not opt-in and you have insufficient funds in your account to complete the transaction, that card transaction would be denied.

Q: Are there fees for using overdraft protection?

A: Fees for using overdraft protection vary based on the type of account and the type of overdraft protection in which you are currently enrolled. To view the different options and the fees associated with each, please visit our Overdraft Protection page.

Q: I just opened a new account, but I don’t see it online. What should I do?

A: If you open a new account with Kish Bank, it should be available to view the following day through your pre-established Digital Banking account. If you still do not have access, please contact your local Kish branch.

Q: What accounts can I use to pay bills online?

A: Kish Bank checking and savings accounts are eligible to be used for paying bills. You can choose which account you would like to be the default account for bill payments when you enroll in Bill Pay.

Q: Is it safe to bank and pay bills online?

A: Yes! Kish Bank utilizes the highest level of security available for all digital transactions. It is important, however, that you also protect yourself and your personal information—visit our Security Center for more information and tips on protecting yourself.

Q: What accounts can I access with Digital Banking?

A: You can access any account in which you are an established owner.

Q: Is there a charge to use Digital Banking or Bill Pay?

A: There is no charge to use Digital Banking or to pay bills online.

Q: How many months of transaction history are available?

A: There are 24 months of transaction history available from the time of enrollment in Digital Banking.

Q: Can I download account information from Digital Banking into personal financial management (PFM) software?

A: Yes. Kish Bank’s Digital Banking system integrates with financial software such as Quicken^®.

Q: If multiple people are on the same account, can those users access each other’s accounts?

A: If a joint account is opened, each person on the account would have the ability to establish their own Digital Banking account and access the joint account online.

Q: Will I see a check number on my account details for bills paid through Bill Pay?

A: If you have paid a bill through Bill Pay, the details of the transaction will show in the Bill Pay system, including the number of the check.

Q: How can I find out more about Kish Bank’s privacy policy?

A: Kish Bank understands the importance of keeping your information private and secure. View our full privacy policy here.

Q: How can I change my privacy preferences or opt-out of marketing messages?

A: To discuss your privacy options, please call or visit any Kish location.

Q: How can I protect myself from fraud and identity theft?

A: Kish makes every attempt to keep your accounts and confidential information safe. There are several steps you can take as well:

• Never disclosure your financial information
• Report lost or stolen checks and debit cards immediately
• Notify Kish Bank of suspicious phone inquiries
• Closely guard your ATM personal identification number and receipts
• Shred any financial mailings
• If regular Bank notifications fail to be delivered, call us immediately
• Periodically contact major credit reporting companies to review your file

Q: How can I protect myself when banking and paying bills online?

A: The growth in popularity of online banking has come with an increase in cyber-related crimes. In order to keep your digital accounts safe and secure, here are a few tips:

• When choosing passwords, only choose those that are considered “strong,” are not easily guessed, and combine numbers, letters, and symbols
• Ensure that you always have the most up-to-date antivirus software
• Never send secure and sensitive information via email
• Always log off when you are exiting Digital Banking
• Do not respond to or open suspicious emails
• Regularly monitor your accounts and if you see any potential fraud, let us know immediately

Q: Is the interest rate fixed or variable?

A: Kish offers both variable and fixed rates on our home equity products. Your Kish Bank lender can help determine the best option for your needs.

Q: Is the interest tax deductible?

A: Kish provides a year-end interest statement that can be provided to your tax preparer to determine deductibility.

Q: How can I access my home equity line of credit?

A: Your Kish Bank Line of Credit can be accessed through your Kish Digital Banking account, special line of credit checks, or by visiting your local Kish branch.

Q: How do I sign up to make automatic payments?

A: Simply visit your Kish branch and complete the authorization form to have your monthly payment automatically deducted from your Kish Bank checking or savings account.

Q: Do I have to own a home to get a home equity line of credit or home equity loan?

A: Yes, to quality for one of our home equity products, you need to be a homeowner.

Q: What are the terms and repayment periods available?

A: Kish offers repayment options with terms up to 180 months.

Q: Am I eligible for a relationship discount?

A: Yes, we offer a discount for your monthly payment being automatically deducted from a Kish Bank checking or savings account.

Q: As principal payments are made to my line of credit, do funds become immediately available for use on the line of credit portion?

A: Yes.

Q: How can I apply for a loan or line of credit secured by my house?

A: Kish Bank makes it easy—simply contact any of our lenders to get started.

Q: What will I need for my mortgage application appointment?

A: If you are ready to apply, visit our Mortgage Application Checklist that outlines everything to bring with you to your appointment. It includes items such as your W2s, tax returns, pay stubs, bank statements, and insurance information.

Q: Will my mortgage be serviced by Kish Bank?

A: We have several mortgage options, including some that are serviced by Kish Bank and some that are “service released,” which means that the mortgage will be sold to another lender.

Q: What does it cost to apply for a mortgage loan?

A: We do not have an application fee; however, we will ask that you pay for the appraisal as soon as it can be ordered. We can give you an estimate of the closing costs that will be due at closing.

Q: Can I have my mortgage payment made automatically each month?

A: You can have your mortgage payment automatically deducted from a Kish Bank account if you choose one of the “service retained” mortgage products.

Q: When are my payments due?

A: All conventional mortgages are due on the first day of each month.

Q: Do I have a “grace period”?

A: There is a “grace period” of 15 days after the due date before a late fee is assessed.

Q: Can I make principal only payments to my loan through Digital Banking?

A: Yes, we offer that option through Kish Digital Banking.

Q: Do I have to have an escrow account?

A: We have mortgage products that do not require escrow, but we do offer it for real estate taxes and homeowner’s insurance.

Q: Why did my payment change?

A: If you do not have a fixed rate mortgage, your payment could change according to the type of mortgage and the details of the documents. Your total payment might also change if you have escrow, and through analysis, it has been determined that you need to pay more each month to cover the taxes and insurance.

Q: Can my mortgage company provide me with information concerning why there were changes in my tax payments, special assessments, or insurance premiums?

A: Yes, you will receive a monthly statement for your mortgage. You should also receive written notification of any changes to your account including changes in the taxes and insurance that is escrowed.

Q: What should I do if I receive a tax bill?

A: If you have an escrow account, you should contact the lender to verify that they have received the bill so that they can pay it. If you do not have escrow, you should pay the bill.

Q: What should I do if I receive an insurance renewal notice and a bill requesting payment?

A: If you have escrow, you should check with the lender to make sure they have received the bill and renewal info.

Q: If there is a shortage in my escrow account, what should I do?

A: If there is a shortage in your escrow account, you will be given the opportunity to pay it separately so that it minimizes the increase in your monthly escrow payment. If you do not wish to pay the shortage separately, the amount will be divided by 12 months and you will pay it over the following year.

Q: My payment is deducted from my checking account each month. If my payment changed, do I need to do anything to adjust the payment amount currently being deducted?

A: You should not need to do anything to change it. It will happen automatically.