Helpful Answers to Questions You May Have
Have you ever had a neighbor who seemed to know a little about a lot of things? That’s what this page is for. If your questions are bigger or more complicated than these, give us a call. We’d like to hear from you.
General Bank Information
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Where can I find my routing and account number?
The Two Rivers Bank & Trust 9-digit routing number is 073900577. It is the first set of numbers along the bottom of a personal check and the second set for a business check.
On a personal check, your account number is the second set of numbers across the bottom of the check. On a business check, your account number is the third set of numbers across the bottom of the check.
What is your telebanking number?
Two Rivers Bank & Trust 24-hour automated telebanking number is 800-370-6723.
How can I open an account?
All of our deposit accounts can be opened in one of our branches. To see which personal deposit account option is best for you, visit our savings and checking account pages where you can compare all of our accounts.
To open a deposit account, we will need a valid government-issued photo ID and the minimum opening deposit amount. Many of our accounts can be opened online. To see which personal deposit account option is best for you, visit our savings and checking account pages where you can compare all of our accounts.
How do I change my contact information?
You may change your mailing address by logging into online banking.
- Click the Profile Circle in the upper right-hand corner of the screen. > Click "Profile" from the drop-down tab. > Click "Edit Address, Email, or Phone Number."
- You may also contact us.
What is the cut-off time for processing?
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.
Electronic direct deposits will be available on the day we receive the deposit. Contact us for our funds availability policy.
Can I do a stop payment on a check?
Yes, you may place a stop payment for a check online by logging into online banking:
- Go to the "Account" header. > Select the "account" you would like to make changes on. > Select "Stop Payments." > Click "+" to add a stop payment.
- You may also contact us.
Note: stop payments CANNOT be placed on DEBIT CARD transactions.
How do I wire money?
To wire money into your account, please follow these instructions for wire transfers or contact us if you have any questions.
To wire money out of your account, please visit your local branch for assistance.
What are your interest rates?
For interest rates, please contact us for a quote by phone or to request a copy of our current deposit rate sheet by mail or email.
What is my account balance?
You may obtain your account balance by calling our telebanking number 800-370-6723 or by logging in to your online banking, or mobile banking. You may also contact us during business or chat hours for assistance.
How do I reorder checks?
Please contact us for assistance.
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Digital Banking
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What is offered in Digital Banking?
Click here to learn more about Digital Banking.
How do I enroll in online banking?
Visit our website to enroll or contact us for assistance in signing up.
- Click the "Log In" button at the top right-hand corner of the screen.
- Select "Enroll Now."
Why is my online banking locked?
Your online account login may be locked for a variety of reasons, including exceeding 90 days since your last login, or from attempting to enter your password incorrectly 3 times.
In this case, after waiting 15 minutes, you may make ONE new attempt before being locked out 15 minutes again.
Also see “What if I forgot my password?” FAQ below, or you may contact us for assistance.
What if I forgot my password?
If you forgot your password, select "Forgot Password" from the home page Online Login box. Password reset information will be emailed to the email address on record.
You may also contact us for assistance if you do not receive an email. The email address we have on file may require updating.
How do I access my bank statement online?
To print your bank statement, first login to online banking.
If you are enrolled in electronic statements:
- From the Dashboard, select "Electronic Statements."
- Click the down arrow to download statements.
- Click the printer icon to print your bank statement.
If you are not enrolled in electronic statements:
- Go to the menu tab.
- Click on your "Settings."
- Then, click on "Two Rivers Bank & Trust" under "Account."
- Select the specific account you want statements for.
- Select "Electronic Statements" and then select the bubble to enroll the account.
You may also contact us for assistance.
How can I do a stop payment online?
Yes, you may place a stop payment for a check online by logging into online banking:
- Go to the "Account" header.
- Select the "account" you would like to make changes on.
- Select "Stop Payments."
- Click "+" to add a stop payment.
- You may also contact us.
Note: Stop payments CANNOT be placed on DEBIT CARD transactions.
How do I change my contact information online?
You may change your mailing address by logging into online banking.
- Click the Profile Circle in the upper right-hand corner of the screen.
- Click "Profile" from the drop-down tab.
- Click "Edit Address, Email, or Phone Number."
- You may also contact us.
Can I pay bills online?
Yes, online Bill Pay is available as a free service at Two Rivers Bank & Trust.
- Login to online banking.
- From the Dashboard, select “Bill Pay” from the menu or click the "Pay" widget in mobile banking. You can manage/add payees, schedule payments and view history.
How do I set up account alerts?
To set up account alerts:
- Login to online banking.
- Select the account you wish to add the alert to.
- Select "Alert Preferences."
- Then select "Add Alert" and enter your preferences before clicking "Add Alert" to save.
- You may also contact us.
Can I transfer money online to another individual?
To learn more about transferring money with Zelle, click here.
To transfer money with Bill Pay:
- Login to online banking.
- From the top menu navigation select Bill Pay > Payee > Add Payee.
- Select “Person” from the “Select a Payee Type” drop-down before establishing a new payment.
- You may also contact us.
How do I set up mobile banking?
- First, download the mobile app from the Apple App Store or Google Play Store
- Then, open the app to enroll.
- You may also contact us.
When are my funds available from mobile deposit?
Deposits made before 3:30 pm CT on business days will be available the next business day.
You may contact us if you have any questions.
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Debit Cards
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What is my debit card PIN?
A debit card Personal Identification Number (PIN) is a 4 digit number issued when your card was first ordered. The PIN is used to access your account at ATMs and Point-of-Sale terminals when the ‘DEBIT’ option is selected. Call 1-800-290-7893 to reset your PIN.
How can I change my PIN number?
To change your debit card PIN, you may use your card and current PIN at any Two Rivers Bank & Trust ATM and select the “Change PIN” option. You can also contact us or visit one of our branches. Call 1-800-290-7893 to reset your PIN.
What if I lost my debit card?
Follow these steps to report a lost or stolen card.
How can I activate my debit card?
To activate your new debit card (including a replacement for a lost or stolen card):
- Call 1-800-290-7893 to activate your new debit card and establish your PIN.
Do I need to notify the bank if I am traveling with my debit card?
Yes, please do. This will prevent your card from being shut down by our fraud-prevention partner when making out-of-area transactions.
- Simply log into online banking and notify us under "Card Management" by scrolling to the bottom of the Dashboard.
- Then, select the airplane icon to add a travel notice.
- Or contact us before your trip to note dates and destinations.
After notifying us, you should be able to use your debit card while traveling.
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Loans
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Can I pay my loan online?
Yes, you can make a payment online from a Two Rivers Bank & Trust account.
- Select the loan you would like to pay from the Dashboard.
- Choose "Transfers."
- Select "From Account" and "To Account."
- Enter the amount and click "Submit."
Can I apply for a home loan online?
Yes, you can apply online.
Can I make a principal-only payment online?
Yes, but your loan must be current. In addition, this will not be applied to your next payment. It is simply a principal reduction in your loan.
- Select the loan you would like to pay from the Dashboard.
- Choose "Transfers."
- Select "From Account" and "To Account."
- Enter the amount.
- Choose "More Options."
- Click "Type" and choose "Regular" or "Principal Only."
- Click "Submit."
Can I set up an automatic payment online?
Yes, after logging in to online banking:
- Select the loan you would like to pay from the "Accounts" page.
- Choose "Transfers."
- Select "From Account" and "To Account."
- Enter the amount.
- Choose "More Options."
- Click "Frequency" and choose the frequency of your payments.
- Click "Submit."
Can I make an advance on my personal Line of Credit?
Yes, you may be able to make an advance on some loans.
- Select the loan you would like to pay from the Dashboard.
- Choose "Transfers."
- Select "From Account" and "To Account."
- Enter the amount.
- Click "Submit."
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Additional Questions?
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Do you have any additional questions, or would you like to share your feedback?
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