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Frequently Asked Questions

Welcome to the Frequently Asked Questions page. We developed these Frequently Asked Questions to help our users with any problems they might have. If you have any suggestions for content on this page, or you have a question that is not covered in these pages, please contact us.

  • Banking

    Q: Are Chisholm Trail State Bank deposit accounts FDIC insured?
    A: Yes! Each individual customer at Chisholm Trail State Bank is insured by the FDIC up to $250,000.

    Q: What do I do if my card is lost or stolen?
    A: During business hours contact Customer Service at (316) 744-1293. After hours call 1-877-226-2351.

    Q: What if there is fraudulent activity on my debit card?
    A: You may be contacted by our fraud department via phone, text or e-mail to verify the charges. Please note they will never ask you your card number, PIN number or CVC code (the three numbers on the back).

    Q: How do I set up Direct Deposit of my payroll check?
    A: After your Chisholm Trail State Bank account has been opened, you will have our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company and your direct deposit will usually begin within thirty days.

    Q: How do I set up Direct Deposit of my Social Security check?
    A: After your Chisholm Trail State Bank account has been opened, you will have our routing and transit number and your account number. Contact Social Security at 1-800-772-1213 and have your Social Security Number and account information available to set up your direct deposit right over the phone.

    Q: Can I get information about my account by phone?
    A: Yes! Account information is available with our Express Phone Banking Line at (316) 744-3841 for automated account information 24 hours a day, or call us during business hours at any of our offices.

    Q: Can businesses have accounts at Chisholm Trail State Bank?
    A: Chisholm Trail State Bank offers a wide variety of accounts to businesses.

    Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
    A: Yes. Call our customer service department at (316) 744-1293 for details.

    Q: Can I do all of my banking with Chisholm Trail State Bank?
    A: Yes! Thanks to the convenience of Direct Deposit , ATMs and Online Bill Pay, everyday banking activities can be performed on your own time.

    Q: Can I look at all of my transactions at any time?
    A: Yes! With Online Banking and Express Phone Banking, you have access to your account information 24 hours a day, 7 days a week!

    Q: How frequently is my Chisholm Trail State Bank information updated?
    A: Chisholm Trail State Bank updates all customer information throughout the day. Whether you access our Online Banking, the Express Phone Banking Line or contact us directly, your account information is updated regularly to reflect all account activity.

    Q: Are wire transfers possible to and from my Chisholm Trail State Bank checking account?
    A: Yes, funds can be transferred to and from Chisholm Trail State Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at (316) 744-1293 for details.

  • Online Banking

    Q: How do I access Online Banking?
    A: After you have opened an account with Chisholm Trail State Bank, visit our website and select Enroll Now at the top of the web page. Fill out the application and submit. In 1-2 business days you will receive an email with instructions on how to access your accounts for the first time.

    Q: How frequently is my Chisholm Trail State Bank information updated?
    A: Chisholm Trail State Bank updates all customer information throughout the day. Whether you access our Online Banking, the Express Phone Banking Line or contact us directly, your account information is updated regularly to reflect all account activity.

    Q: Can I look at all of my transactions at any time?
    A: Yes, with Online Banking, you have access to your account information 24 hours a day, 7 days a week!

    Q: How does Bill Pay work?
    A: Simple; You create payees - Schedule payments, whether one time or reoccurring - Your account is debited and the payment is sent to the payee.

    Q: How long does it take to set up a new payee in the bill payment system?
    A: Once you have entered a new payee into the Bill Pay system, you can make a payment immediately.

    Q: After I make a bill payment, how long does it take for the money to be debited from my account?
    A: The amount of the payment will be deducted from your account within 2 business days of the payment processing date.

    Q: How long does it take for a payment to reach the payee?
    A: A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check may take up to 10 days.

  • Online Banking Security

    The Online Banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:

    1. Each account owner is to use their own unique User ID to access Internet Banking
    2. Never reveal your password to anyone or leave your password anywhere that someone else obtain and use it.
    3. Passwords expire every 90 days or you may change it on a regular basis.
    4. Custom alerts are available for use to notify you to specific details regarding your account.
    5. When accessing Online Banking for the first time or from a new machine a secure access code is required.
    6. Use the Exit button to end each Online Banking session. Do not use the Back button to exit the site.
    7. Balance your account on a regular basis. Online Banking makes it easy.