Find answers to common questions about our accounts, services, and online banking. Can't find what you're looking for? Contact our support team.
You'll need a valid government-issued ID (driver's license, state ID, or passport), your Social Security number, and your current address. For joint accounts, both applicants need to provide identification. Business accounts require additional documentation including EIN and business formation documents.
Yes, all deposit accounts are FDIC-insured up to $250,000 per depositor, per ownership category. This means your money is protected by the full faith and credit of the United States government. For business accounts, we offer additional insurance options through our CDARS and ICS programs for deposits exceeding $250,000.
Visit our website and click "Online Banking" at the top of the page. First-time users should click "Enroll Now" and follow the prompts to set up your account. You'll need your account number and the last four digits of your Social Security number. Once enrolled, you can access your accounts from any device with internet access.
If your card is lost or stolen, take immediate action: 1) Lock your card instantly through the mobile app, 2) Call our 24/7 hotline at 1-800-555-HELP, 3) Review recent transactions for unauthorized charges. We'll expedite a replacement card and ensure you're not liable for fraudulent transactions when reported promptly.
Each account has different fee waiver options. For personal checking, maintain minimum balances or set up direct deposit. For savings accounts, keep minimum daily balances. Business accounts may waive fees with minimum balances or transaction volumes. Check your specific account terms or contact us for options.
You can dispute a transaction through online banking by selecting the transaction and clicking "Dispute Transaction." You can also call our customer service line or visit any branch. Disputes should be filed within 60 days of the statement date showing the error. We'll investigate and typically resolve within 10 business days.
Checking accounts are designed for everyday transactions with unlimited withdrawals, debit card access, and check writing. Savings accounts are for accumulating funds with limited withdrawals (6 per month) but typically earn higher interest. Many customers use both – checking for daily expenses and savings for emergency funds and goals.
Yes! You can open most personal accounts online in minutes. Business accounts may require additional verification and can be started online but may need a branch visit for final approval. Visit our "Open an Account" page to get started.
To close an account, visit any branch with valid ID, or call customer service. Ensure all checks have cleared and automatic payments are transferred before closing. A $25 fee applies if an account is closed within 180 days of opening. Funds can be transferred to another account or provided as a cashier's check.
Credit score requirements vary by card. Cash Back and Travel cards typically require good to excellent credit (670+). Secured cards are designed for those building credit with scores as low as 580. Student cards are available for those with limited credit history. Check individual card pages for specific requirements.
Cash back can be redeemed as statement credits, direct deposits to your checking account, or checks. Travel points can be redeemed through our travel portal for flights, hotels, and car rentals, or transferred to partner loyalty programs. All redemptions can be done through online banking or our mobile app.
Balance transfer APRs vary by card. Many cards offer introductory 0% APR for 12-15 months on balance transfers completed within the first 60 days. After the introductory period, the standard variable APR applies (typically 13.99% - 22.99%). A balance transfer fee of 3% applies ($5 minimum).
Personal loans and lines of credit can fund in as little as 1-2 business days after approval. Auto loans can be approved same day for dealer purchases. Mortgages and commercial real estate loans typically take 30-45 days. Equipment financing usually funds within 5-7 business days.
Secured loans require collateral (like a house or car) and typically offer lower interest rates. Unsecured loans don't require collateral but may have higher rates based on creditworthiness. Secured loans may allow higher borrowing amounts and longer terms.
Yes! Most of our loans have no prepayment penalties. You can make extra payments or pay off your loan entirely at any time without additional fees. This can save you money on interest over the life of the loan. Check your specific loan agreement for any exceptions.
Click "Forgot Password" on the login page. You'll be prompted to verify your identity using your account number, Social Security number, and either email or text verification. You can then create a new password immediately. For security, choose a strong password you haven't used before.
Yes, the Ashmore Trust mobile app is free to download and use. However, standard mobile carrier data charges may apply. Check with your mobile provider for details about your data plan. All mobile banking features including check deposit, bill pay, and transfers are included at no additional cost.
Mobile check deposit limits vary based on your account history and relationship. New users typically start with a $2,000 daily limit and $5,000 monthly limit. Limits may increase over time as you establish a positive banking history. Business accounts may have higher limits.
If you suspect fraud, call our 24/7 Fraud Hotline immediately at 1-800-555-FRAUD. Lock affected cards through the mobile app. Change your online banking password. Review recent transactions. The faster you report, the better chance we have of recovering funds. We'll guide you through the resolution process.
Two-factor authentication adds an extra layer of security by requiring two forms of verification: something you know (password) and something you have (your phone). When enabled, you'll receive a one-time code via text or authenticator app when logging in from new devices. We strongly recommend enabling this feature.
Never click links in unsolicited emails or texts claiming to be from your bank. Ashmore Trust will never ask for your password, PIN, or full Social Security number via email or text. Verify communications by calling our official customer service number. Use our mobile app or type our website address directly into your browser.
You'll need a valid government-issued ID (driver's license, state ID, or passport), your Social Security number, and your current address. For joint accounts, both applicants need to provide identification. Business accounts require additional documentation including EIN and business formation documents.
Yes, all deposit accounts are FDIC-insured up to $250,000 per depositor, per ownership category. This means your money is protected by the full faith and credit of the United States government. For business accounts, we offer additional insurance options through our CDARS and ICS programs for deposits exceeding $250,000.
Interest rates change regularly based on market conditions. For current rates on savings accounts, money market accounts, and CDs, please visit our Rates page. For loan rates, use our online calculators or speak with a loan officer for a personalized quote based on your credit profile.
Checking accounts are designed for everyday transactions with unlimited withdrawals, debit card access, and check writing. Savings accounts are for accumulating funds with limited withdrawals (6 per month) but typically earn higher interest. Many customers use both – checking for daily expenses and savings for emergency funds and goals.
Yes! You can open most personal accounts online in minutes. Business accounts may require additional verification and can be started online but may need a branch visit for final approval. Visit our "Open an Account" page to get started.
To close an account, visit any branch with valid ID, or call customer service. Ensure all checks have cleared and automatic payments are transferred before closing. A $25 fee applies if an account is closed within 180 days of opening. Funds can be transferred to another account or provided as a cashier's check.
Credit score requirements vary by card. Cash Back and Travel cards typically require good to excellent credit (670+). Secured cards are designed for those building credit with scores as low as 580. Student cards are available for those with limited credit history. Check individual card pages for specific requirements.
Cash back can be redeemed as statement credits, direct deposits to your checking account, or checks. Travel points can be redeemed through our travel portal for flights, hotels, and car rentals, or transferred to partner loyalty programs. All redemptions can be done through online banking or our mobile app.
Balance transfer APRs vary by card. Many cards offer introductory 0% APR for 12-15 months on balance transfers completed within the first 60 days. After the introductory period, the standard variable APR applies (typically 13.99% - 22.99%). A balance transfer fee of 3% applies ($5 minimum).
Personal loans and lines of credit can fund in as little as 1-2 business days after approval. Auto loans can be approved same day for dealer purchases. Mortgages and commercial real estate loans typically take 30-45 days. Equipment financing usually funds within 5-7 business days.
Secured loans require collateral (like a house or car) and typically offer lower interest rates. Unsecured loans don't require collateral but may have higher rates based on creditworthiness. Secured loans may allow higher borrowing amounts and longer terms.
Yes! Most of our loans have no prepayment penalties. You can make extra payments or pay off your loan entirely at any time without additional fees. This can save you money on interest over the life of the loan. Check your specific loan agreement for any exceptions.
Click "Forgot Password" on the login page. You'll be prompted to verify your identity using your account number, Social Security number, and either email or text verification. You can then create a new password immediately. For security, choose a strong password you haven't used before.
Yes, the Ashmore Trust mobile app is free to download and use. However, standard mobile carrier data charges may apply. Check with your mobile provider for details about your data plan. All mobile banking features including check deposit, bill pay, and transfers are included at no additional cost.
Mobile check deposit limits vary based on your account history and relationship. New users typically start with a $2,000 daily limit and $5,000 monthly limit. Limits may increase over time as you establish a positive banking history. Business accounts may have higher limits.
If you suspect fraud, call our 24/7 Fraud Hotline immediately at 1-800-555-FRAUD. Lock affected cards through the mobile app. Change your online banking password. Review recent transactions. The faster you report, the better chance we have of recovering funds. We'll guide you through the resolution process.
Two-factor authentication adds an extra layer of security by requiring two forms of verification: something you know (password) and something you have (your phone). When enabled, you'll receive a one-time code via text or authenticator app when logging in from new devices. We strongly recommend enabling this feature.
Never click links in unsolicited emails or texts claiming to be from your bank. Ashmore Trust will never ask for your password, PIN, or full Social Security number via email or text. Verify communications by calling our official customer service number. Use our mobile app or type our website address directly into your browser.
Can't find the answer you're looking for? Our customer support team is here to help.