Frequently Asked Questions

Got a question? Get the answer in whatever way suits you best:

  • Check out the FAQ section below to see a list of frequently asked questions and the answers.
  • Use the "Search" function in the upper right hand corner of the page.
  • Click Contact Us for options to:
    • - E-mail Customer Service.
    • - Get toll free telephone number to call Customer Service.
    • - Find bank locations to get a local phone number or address.

Click on a category for a list of questions and answers in that area.

Checking Accounts

What do I need to apply online?

Eastwood's online application takes about 10 minutes or less. You will need the following information for all authorized account signers:

  • Social Security number.
  • Valid picture identification including one of the following: Driver's License, State ID, Passport, Military ID, Permanent Resident Card, or Non-Resident Card.
  • Information for funding your new account including the account number and routing number (if from another financial institution) or credit card information.
  • Security information: Eastwood's online application system protects you with enhanced security. During the application process, you will be asked questions about loans or account you currently hold that only you should know the answers to. This will help us validate your identity.

Since we are required by Federal law to obtain verification of your identity and any co-applicant, we may ask to see your driver's license or other identifying documents following the submission of your application.

What do I need to open a joint account?

The information listed above in response to "What do I need to apply online?" is the same for all authorized account signers.

I have a Rewards Checking account and made the required twelve check card purchases last month but my e-mail notice says it was less. What happened?

Eligible Rewards Checking transactions must post to your account by the second to last business day of the month. Transactions that post to your account the last business day of each month count toward eligible transactions for the following month. If you need further assistance with this, please contact us in whatever way is most convenient for you.

Can I have more than one Rewards Checking account?

You may have multiple Rewards Checking accounts. The Rewards rate will be paid to each account that meets the monthly Rewards requirements.

Do all account owners need to be age 60 or over to qualify for a 60+ Checking Account?

At least one of the account owners needs to be age 55 or over to qualify for a 60+ Checking Account.

What is the "routing number" for my account?

A "routing number" is the nine-digit number assigned to each banking institution. Consumers are sometimes asked for this number when establishing automatic debits and credits on their account. The routing number for Eastwood Bank is: 091907235 and can be found at the bottom of your check:

Check Graphic

Where do I find the account number on my checks?

Check Graphic

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Savings, Money Markets, CDs

What do I need to apply online?

Eastwood's online application takes about 10 minutes or less. You will need the following information for all authorized account signers:

  • Social Security number.
  • Valid picture identification including one of the following: Driver's License, State ID, Passport, Military ID, Permanent Resident Card, or Non-Resident Card.
  • Information for funding your new account including the account routing number (if from another financial institution) or credit card information.
  • Security information: Eastwood's online application system protects you with enhanced security. During the application process, you will be asked questions about loans or account you currently hold that only you should know the answers to. This will help us validate your identity. Since we are required by Federal law to obtain verification of identity for any account applicants, we may ask to see a driver's license or other identifying documents for you and any co-applicants following the submission of an application.
What do I need to open a joint account?

The information listed above in response to "What do I need to apply online?" is the same for all authorized account signers.

What type of savings account is best for a child?

The "best" choice may depend on the age of the child and the purpose for or use of the account. You can Compare Savings Account online or Contact Us for personal assistance.

Why am I getting a maintenance fee or excess withdrawal fee on my savings account?

Since the main purpose of a savings account is to accumulate funds for some future use, Eastwood limits the number of free withdrawals per month. If your withdrawal needs often exceed this limit, consider a checking account that pays interest.

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Personal Loans and Credit

I know what I want to borrow money for, but how do I know what type of loan I need?

Compare Personal Loans and Credit options online or contact us for personal assistance in selecting the type of loan that fits your needs.

How can I make a loan payment online?

Once you are registered for Internet Banking, it's easy to make your loan payment online. Login into your Internet Banking and follow these steps.

  1. Click the "Transfer" tab at the top of the page.
  2. Select "New Loan Payments"
  3. Use the drop-down menu to select "from" and "to" accounts.
  4. Enter a payment type.
  5. Enter the dollar amount to be transferred.
  6. Verify the information.
  7. Enter your password.
  8. Click "Submit"
  9. Confirm the transaction and click "Submit" to finalize the request.

For additional information about Internet Banking enrollment, login, and use, refer to Users Guide.

How do I transfer money to my checking from my Line of Credit (LOC) online (also known as a "Loan Advance")?

Once you are registered for Internet Banking, it's easy to request a Loan Advance. Login into your Internet Banking and follow these steps.

  1. Click the "Transfer" tab at the top of the page.
  2. Select "loan advance requests".
  3. Use the drop-down menu to select "from" and "to" accounts.
  4. Enter the dollar amount to be advanced.
  5. Enter your password.
  6. Verify the information.
  7. Click "Submit".
  8. Confirm the transaction and click "Submit" to finalize the request.

For additional information about Internet Banking enrollment, login, and use, refer to Users Guide.

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Internet Banking

How do I enroll in Internet Banking?
  1. Click on "Enroll" in the Internet Banking section (blue area in the upper left corner of the Home Page).
  2. Fill in the required information including:
    • Name
    • Social Security Number
    • Bank Assigned Privacy Code. This was assigned when you opened an account. If you forgot your code, you can get it by calling the bank and then getting a return call (for security), or stopping into the bank with your photo ID.
    • Preferred User Name. Must be 4 - 16 characters or numbers in length.
  3. Click "submit" and you will see a screen to verify your name, address and e-mail address. If you have not previously provided Eastwood with your e-mail address, add it now so you can receive an e-mail confirming that your enrollment has been processed.
  4. Enter the accounts you want to view in Internet Banking. (You can select as many as you wish. If you want to add or delete accounts to view later, you will need to contact the bank).
  5. Click "submit" to complete the process. Once your request is processed, you will receive an e-mail notice explaining how to access your online information. (Enrollments submitted by 3:00 p.m. Monday through Friday are generally processed that same day.)

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I obtain my privacy code?

This was assigned when you opened an account. If you forgot your code, you can get it by calling the bank and then getting a return call (for security), or stopping into the bank with your photo ID.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I login to Internet Banking if I am a first time user?

Once you receive an e-mail from the bank confirming your enrollment in Internet Banking, you can login to Internet Banking.

  1. Go to the Eastwood Bank Web site at www.eastwoodbank.com and find the Internet Banking login area (upper left corner in blue). Click "New User"
  2. Enter the required information:
    • User Name: the 4 – 16 characters you selected when you enrolled.
    • Password: The first time you login, use the last 4 digits of your Social Security number as your password, then change it as soon as your login is complete. Go to the Options tab and select the option to change your password. You may select your own password between 4 and 16 characters or numbers in length (case sensitive). Random Code: Type the same characters (case sensitive) as those you see in the box above. (This is a security measure to help ensure that your account isn’t being accessed by a fraudster.)
  3. Click "Next".
  4. Complete a "security update" to select your security questions and security key. (This is required for new users the first time you login and if you have had your security questions reset and need to re-register.)
    • Disclosure: Read and, if you agree, "accept" the disclosure terms.
    • Security Questions: Select your security questions from the menu provided and type the answers to those you select or, if you prefer, you can create your own questions and answers.
    • Click "Next".
  5. Security Key:
    • Create your personal "security key". The text word or phrase you select will be converted to an image that will appear on every page when you login to Eastwood Internet Banking. The "security key" helps you identify our Internet Banking pages as a legitimate site.
    • Enter your email address.
    • Click "Finished".
  6. You will now see the accounts you selected in your Internet Banking profile. If you want to add or delete accounts, contact the bank for assistance or choose "Options", in your Internet Banking, and then select "Enter New Message" from the menu on the right.
  7. For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I login to Internet Banking if my security questions have reset and I need to re-register?

Once you receive an e-mail from the bank confirming your enrollment in Internet Banking, you can login to Internet Banking.

  1. Go to the Eastwood Bank Web site at www.eastwoodbank.com and find the Internet Banking login area (upper left corner in blue).
    • Click "New User"
  2. Enter the required information:
    • User Name: the 4 – 16 characters you selected when you enrolled.
    • Password: The first time you login, use the last 4 digits of your Social Security number as your password, then change it as soon as your login is complete. Go to the Options tab and select the option to change your password. You may select your own password between 4 and 16 characters or numbers in length (case sensitive). Random Code: Type the same characters (case sensitive) as those you see in the box above. (This is a security measure to help ensure that your account isn’t being accessed by a fraudster.)
  3. Click "Next".
  4. Complete a "security update" to select your security questions and security key. (This is required for new users the first time you login and if you have had your security questions reset and need to re-register.)
    • Disclosure: Read and, if you agree, "accept" the disclosure terms.
    • Security Questions: Select your security questions from the menu provided and type the answers to those you select or, if you prefer, you can create your own questions and answers.
    • Click "Next".
  5. Security Key:
    • Create your personal "security key". The text word or phrase you select will be converted to an image that will appear on every page when you login to Eastwood Internet Banking. The "security key" helps you identify our Internet Banking pages as a legitimate site.
    • Enter your email address.
    • Click "Finished".
  6. You will now see the accounts you selected in your Internet Banking profile. If you want to add or delete accounts, contact the bank for assistance or choose "Options", in your Internet Banking, and then select "Enter New Message" from the menu on the right.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I login to Internet Banking if I'm a returning user?
  1. Go to the Internet Banking login area of the home page www.eastwoodbank.com (upper left corner in blue).
  2. Enter the required information:
    • User Name (the 4 – 16 characters you selected when you enrolled)
    • Random Code: Type the same characters (case sensitive) as those you see in the box above. (This is a security measure to help ensure that your account isn’t being accessed by a fraudster.)
  3. Click the "Login" button.
  4. If your computer has been registered, you will be taken directly to a screen where you enter your password. Otherwise, you may be asked for the answer to one of your security questions.
  5. You will now see the accounts you selected in your Internet Banking profile. If you want to add or delete accounts, contact the bank for assistance or choose "Options", in your Internet Banking, and then select "Enter New Message" from the menu on the right.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I reset my Internet Banking password?

There are several ways to reset your Internet Banking password:

  • Login to your Internet Banking, then click on "Options" and select "change password" from the menu. (Please provide your name, your Internet Banking username, and your Privacy Code.)
OR
  • Click Contact Us (from here or from any page of our Web site) then click E-mail Eastwood Customer Service and either call your local branch or E-mail Customer Service to send a secure message to online support. (Please provide your name, your Internet Banking username, and your Privacy Code.)
OR
  • Call or visit any of our branch locations for assistance. (Please provide your name, your Internet Banking username, and your Privacy Code.)

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

What if I forget my password?

Click Contact Us, then click "E-mail Eastwood Customer Service" to send a secure message to online support. Please include your name, your Internet Banking username, and your Privacy Code so we can assist you.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

What if I forget my username?

Click Contact Us, then click "E-mail Eastwood Customer Service" to send a secure message to online support. Please include your name and your Privacy Code so we can assist you.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

I received a security question that is not my own. What does this mean?

If you received a security question that is not your own, it is likely that you have typed in an incorrect username. You can verify this by looking towards the top of the Account Login screen and verifying your Username. If it is incorrect, simply return to the Account Login page (you may need to open a fresh browser), and begin the process over.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

What do I do if I'm locked out of Internet Banking?

After three unsuccessful login attempts, your Internet Banking locks down as a security measure. Click Contact Us and either call your local branch or E-mail Customer Service to send a secure message to online support. Please provide your name, your Internet Banking username, and your Privacy Code so we can assist you.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

Why can't I see all of my accounts on Internet Banking?

Eastwood Bank’s Internet Banking system allows you to choose which accounts you want to view online. Your profile can contain one, all or any combination of your accounts. To add accounts that you currently do not have listed, simply log into your Internet Banking profile and send us your request by choosing from the menu Options/Messages then select a New Message. If you don’t have your account numbers handy, simply state that you wish your car loan, or CD, or ask that all of your accounts be added. If your request is received by 3:00 PM on any business day, the accounts will be added that same day. All others will be added the next business day.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I add an account to my Internet Banking?

Eastwood Bank’s Internet Banking system allows you to choose which accounts you want to view online. Your profile can contain one, all or any combination of your accounts. To add accounts that you currently do not have listed, simply log into your Internet Banking profile and send us your request by choosing from the menu Options/Messages then select a New Message. If you don’t have your account numbers handy, simply state that you wish your car loan, or CD, or ask that all of your accounts be added. If your request is received by 3:00 PM on any business day, the accounts will be added that same day. All others will be added the next business day.

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

Is Internet Banking real time?

When you make a transfer to or from one of your accounts online, it shows up on your Internet Banking immediately, but the transaction may not be "real time with all other systems, such as the ATM network or with your Online Bill Pay. If you make a transfer using Internet Banking, those funds will not be accessible for a Visa Check Card purchase or an ATM withdrawal or with Online Bill Pay until after 10:00 p.m. on that business day (or the next business day if it is done on a weekend).

For additional information about Internet Banking enrollment, login, and use, you may also refer to the Users Guide or Login Help.

How do I download my financial information to financial software such as Quicken, QuickBooks, or Microsoft Money?

You can create the file from within your Internet Banking and export the information easily to Quicken by completing the following:

  1. Select "account history".
  2. Select "advanced history".
  3. Choose your account from the drop down and enter the "date range" of the desired transactions.
  4. Select the "download format" (such as Quicken, QuickBooks, Microsoft Money, etc.)
  5. Press the "download" button to update your financial software.
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Mobile Banking Services

How do I decide between the Eastwood Mobile Website and the Eastwood Mobile App?

Eastwood offers both of these options to satisfy different needs and preferences of customers who use mobile banking. (The mobile app is currently available for iPhones and AndroidTM Phones.) Click here for a comparison of features and benefits.

For more information on Mobile Website features and benefits, click here.

For more information on Mobile App features and benefits, click here.

What are the charges for mobile banking services?

There is no charge for using the mobile website. The Eastwood Mobile App is a free download. Mobile Check Deposit is available for checks $2,010.00 or less. Deposits are subject to verification and are not available for immediate withdrawal. Check with your mobile service provider for details on their data access fees or data charges. (The mobile app is currently available for iPhones and AndroidTM Phones.)

How do I get started using Mobile Banking Services?

Once you have enrolled in Eastwood's Internet Banking, you can use the mobile website from your web-enabled mobile phone at m.eastwoodbank.com, or you can download the Eastwood Mobile App to your iPhone or AndroidTM Phone from the iPhone or AndroidTM app store. If you are not yet enrolled in Eastwood Bank Internet Banking, click here for instructions.

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E-Statements

How do I enroll for E-Statements?
  1. Click on "E-Statements" in the E-Banking menu. That will take you to the E-Statement information page where you can click "Enroll Online".
  2. Fill in the required information including:
    • Name
    • Social Security Number
    • Bank Assigned Privacy Code. This was assigned when you opened an account. If you forgot your code, you can get it by calling the bank and then getting a return call (for security), or stopping into the bank with your photo ID.
  3. Click "submit" and you will see a screen to verify your name, address and e-mail address. Please note that you have the option of receiving your statement at more than one e-mail address so there is a place to provide a secondary e-mail address.
  4. Enter the number and click "add" for each account statement you want to receive electronically. (You may add as many accounts as you wish for E-Statements. If you have combined statements, do not have to enter each account number.)
  5. Indicate if you would like to receive images of your checks with your statement. (There is no cost fee for receiving check images electronically.)
  6. Choose a password between 6 and 16 characters, which will be case sensitive. (This password will be used to encrypt your statement and will need to be entered to open your statement when you receive it through e-mail.
  7. Read the "User Terms and Conditions" information and then, if you agree, click "Accept" at the bottom.
  8. You will see a new screen telling you that your enrollment is complete.
  9. You will receive an e-mail from OnlineSupport@eastwoodbank.com within 24 hours to confirm your enrollment.
Where can I find my E-Statements on your site?

Once you're enrolled for E-Statements, they are delivered to you each month via e-mail. (You have the option of choosing up to three different e-mail addresses.) E-Statement delivery uses two levels of encryption for e-mail delivery and is password protected, so offers a safer and faster option than postal mail delivery.

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E-Alerts

How do I set up E-Alerts?

Once you have enrolled in Eastwood's Internet Banking, you can use E-Alerts. For instructions on how to enroll in Internet Banking, click here.

Log in to Internet Banking and go to the "Accounts Summary" page, then select "Account Alerts".

You can add, delete, or change E-Alerts at any time.

What accounts are eligible for E-Alerts?

Checking, Savings, Certificate of Deposit, and Loan Accounts are eligible for E-Alerts on the following:

Checking, Savings, or Loan Account Alert

  • Balance below, above, or equal to a certain amount.

Checking or Savings Transaction Alert

  • Next deposit made
  • Next withdrawal made
  • Transaction description
  • Transaction amount equal to, above, or below a certain amount.

Check Status Alert

  • Check has cleared by number of range

Certificate Maturity Alert

  • Certificate of Deposit maturing in certain number of days.
Is there a fee to use E-Alerts?

E-Alerts is a free service to Eastwood Internet Banking Customers.

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Online Bill Pay

How do I enroll for Online Bill Pay?

After you have enrolled in Internet Banking, you can enroll in Online Bill Pay. (Internet Banking is a requirement for Online Bill Pay.)

  1. Go to www.eastwoodbank.com and login to Internet Banking.
  2. Click on the "Bill Pay" tab.
  3. Click on the link to the online disclosure document. Read the disclosure and, if you agree, "accept" the terms and click "continue".
  4. A registration form will appear. Enter your personal information on this form and click "submit".
  5. Begin using Online Bill Pay now or later. Activation and access is immediate

For additional information about Online Bill Pay, you may also refer to the Users Guide.

What do I do if a payment I make through Online Bill Pay is not received by the payee?

Once you login to Internet Banking, click the "Options" tab, then select "Messages".

  1. Click on the "New Message" button.
    • Send a message with the specific payment details including the payee, amount, and date.
    • You will be notified of a resolution through a secure e-mail message within your bill pay profile.
How can I make a loan payment online?

Once you are registered for Internet Banking, it’s easy to make your loan payment online. Login into your Internet Banking and follow these steps from the "Transfer" tab at the top of the page:

  1. Select "New Loan Payments"
  2. Use the drop-down menu to select "from" and "to" accounts.
  3. Enter a payment type.
  4. Enter the dollar amount to be transferred.
  5. Verify the information.
  6. Enter your password.
  7. Click "Submit"
  8. Confirm the transaction and click "Submit" to finalize the request.

For additional information about Online Bill Pay, you may also refer to the Users Guide.

How do I transfer money to my checking from my Line of Credit (LOC) online (also known as a "Loan Advance")?

For additional information about Online Bill Pay, you may also refer to the Users Guide.

  1. Click the "Transfer" tab at the top of the page.
  2. Select "loan advance requests".
  3. Use the drop-down menu to select "from" and "to" accounts.
  4. Enter the dollar amount to be advanced.
  5. NOTE: Ready Reserve Line of Credit (RRLOC) Advances must be requested in increments outlined within your loan agreement. In most cases, this would be increments of $300.
  6. Enter your password.
  7. Verify the information.
  8. Click "Submit".
  9. Confirm the transaction and click "Submit" to finalize the request.

For additional information about Online Bill Pay, you may also refer to the Users Guide.

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Visa Check Card / ATM Card

What is the difference between a check card and ATM card?

An Eastwood Bank Visa Check Card can be used for purchases wherever Visa is accepted and to withdraw or transfer funds at an ATM. An ATM Card is for ATM use only.

How do I change the PIN for my Check Card or ATM Card?

Contact an Eastwood Bank Customer Service Representative for assistance in changing the PIN for your check card or ATM Card. (Click Contact Us for easy access to phone, e-mail or location options.)

Where can I use my check card for free?

There is no charge for using your Visa Check Card for purchases. For no-fee ATM transactions, see the list of locations free to Eastwood Bank customers by clicking on No Fee ATMs. This includes Eastwood Bank ATMs, Privileged Status Network ATMs, and In-Balance Network ATMs.

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New Horizons Club

What is New Horizons?

Eastwood Bank's New Horizons Club is for qualifying bank customers age 55 or older. It offers a wide range of opportunities to learn, socialize, and travel.

Does it cost to join?

There is no cost to join New Horizons Club. Membership is open to bank customers age 55 or older who meet one of the following membership requirements:

  • Maintain a balance of $1,500 or more in a New Horizons Checking or Savings Account.
  • Maintain a total of $10,000 or more in Eastwood Bank Certificates of Deposit.
  • Maintain an Advantage or Elite Money Market Account.
Where can I find the schedule of trips/events and movie schedule?

Check the New Horizons Club Newsletter online or pick up a copy at any of our bank locations.

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Miscellaneous

How do I submit an ad for the Eastwood Newsletter?

To submit an ad online, click on Eastwood Newsletter in the About Us section of the bank's Web site, then click on Submit an Ad for the Bargain Bulletin for ad guidelines and an online submission form. You may also pick an ad submission form at any of our bank locations.

Are you open on Saturdays?

All Eastwood Bank offices are open on Saturdays (lobby and drive-up). Click on locations to find the hours of each bank location.

What holiday's are you closed?

Eastwood Bank is closed for the following federal holidays: New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Eastwood Bank also closes at 12:00 PM on Christmas Eve.

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