Q:
Can I have my loan payment debited out of my checking account?
A: Yes. American Community Bank offers automatic transfers out of
checking and savings accounts for your loan payments.
Q:
How do we access our Prime Equity Line as an overdraft protection?
A: There are several ways to access your Prime Equity Line. You
have the option to write checks directly off your Equity Line. You
can also attach your Equity Line to your checking account and use
the Line for overdraft protection. If needed to cover checks written,
we will transfer money from your Equity Line in $100 increments.
Q:
Which branches have Automated Teller Machines (ATMs)?
A: We offer ATM's in the Main Office, Wal-Mart (Monroe), Indian
Trail, Marshville, Mint Hill, SouthPark, South Blvd., Mountain Island, Tega Cay/Ft. Mill, Gaffney Main Office, Blacksburg, and Chesnee Highway Office locations.
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Q:Which
branches have safe deposit boxes?
A: The Main Office, Indian Trail, Marshville, Mint Hill, SouthPark, South Blvd., Mountain Island
, Tega Cay/Ft. Mill, Gaffney Main Office, Blacksburg, and Chesnee Highway office locations all have safe deposit boxes. There
are several safe deposit box sizes for you to choose from.
Q:What
is the minimum amount required for opening up a CD?
A: $500.
Q:
Do you offer ROTH IRAs?
A: Yes. We offer ROTH IRAs as well as traditional IRAs depending
on the need.
Q:
Do you charge a fee on accounts for civic organizations?
A: Civic organizations are entitled to receive one account without
service charge.
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Q:
Do you return checks back to your customer in their monthly statement?
A: We have invested in a check imaging system. In your monthly statement,
we send copies of your checks rather than the original check. This
has allowed us to keep our fees lower than other banks and provide
faster customer service if you need a copy of a check at a later
time.
Q:
What is the latest I can make a deposit and get credit?
A: We offer “all day banking”. Deposits made before 5:00 PM on Monday-Thursday and 6:00 PM on Friday will be credited that business day.
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Q:
Do you have telephone banking?
A: Telephone banking is available by calling
704-238-8055 in Union & Mecklenburg counties and 877-586-2226 in South Carolina.
Q: Do
you anticipate offering other financial products or services?
A: We have established a relationship with Smith Barney Citigroup,
one of the most respected financial service firms in the nation.
Their representative can be reached in our main office at 704-225-8444.
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Q:
Do you have Online Banking?
A: Online Banking is available. At
the top of this page, as well as all other pages in our website,
you will see a tab titled Online Banking. Click
Here to be connected to the Eagle Online, our Online Banking
Product. A demonstration is available for you to browse on the Online
Banking page. To enroll, complete the information requested on the
Online Banking page or contact your local customer service representative
for further details.
Q:
Do you offer Online Bill Paying?
A: Online Bill Paying is a service
available when you sign up for Online
Banking. CheckFree™
is a secure way to pay your bills online. It is easy, convenient,
and saves you the cost of a postage stamp. To enroll, complete the
information requested on the Online Banking page or contact your
local customer service representative for further details.
Q: What do I do if I have lost my ATM or debit/check card?
A: Please call 1-800-424-7787, for Mastercard check cards, and 1-800-284-2286, for VISA check cards, to report a lost or stolen card.
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