Frequently Asked Questions

Telephone Banking
QCan we access banking information by phone?

Touch Tone Teller, our automated telephone banking system is available. You will need your 9 digit account number and last 4 digits of the primary account holder’s social security number to access the system. You will be directed step-by-step on how to access your accounts. If you should have any questions, please contact your local banking office or Personal Banker.

Corporate or Commercial Banking
QHow does Encore Bank support Corporate Business?

Encore Bank offers a unique commercial line of products and services  that help your business run successfully. Encore Bank offers Corporate Internet Banking, Merchant Services, Remote Deposit, and Lockbox Services.

Individual Retirement Accounts
QDoes Encore Bank have IRAs and retirement accounts?

Encore Bank offers a variety of products for Traditional and Roth IRA accounts.

Online Banking
QIs there a fee for Online Banking Services?
AOnline Banking is free and offers Online Bill Payment, check images, funds transfers and low balance reminders.
FDIC Insurance Coverage
QHow do I know my money is safe and secure?

Encore Bank is a member of the FDIC. Deposits  are insured as provided under FDIC rules and regulations. FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

Fraud Prevention
QHow can I best prevent account fraud?
AProtect your personal information. Never give account numbers, Social Security numbers or other sensitive information to strangers. Question suspicious phone inquires. Never give financial information out on the phone unless you initiated the call. Avoid using easily guessed passwords and PIN numbers and never share or write them down. Report lost checks immediately. Periodically check your credit ratings. The major credit bureaus can be contacted directly as follows: Trans Union 1-800-680-7289; Equifax 1-800-525-6285; Experian 1-888-397-3742. If you suspect fradulent activity please contact us immediately.
QHow can I best prevent identity theft?
AProtect your social security number, limit its use as ID, and never preprint your driver’s license or Social Security number on your checks. Shred unnecessary financial documents such as old bank statements and unwanted pre-approved credit offers. If you see a suspicious charge on your bills or statements, call immediately to resolve the discrepancy. For more information about Identity Theft or to report Identity Theft visit
QWhat do I do if I have lost or had my debit card stolen?

If your debit card has been lost or stolen it is very important to report it immediately to prevent unauthorized activity. During normal business hours contact your local Encore  Bank for assistance, they will ensure the card is reported and assist you with the next steps to prevent fradulent activity and replace your card as quickly as possible. If you need to report your card as lost or stolen after hours, please call 1-800-472-3272.

QMay I use my Encore Bank Master Card debit card at any ATM?

Yes, you may use your card at any ATM. Encore Bank will automatically rebate all service charges assessed by other ATM owners, worldwide.


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