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Frequently Asked Questions

General Questions

What do I need to open an account?

Due to federal regulation, we are required to obtain identification information at the time we open your new account. In addition to your valid ID, we’ll need personal information such as social security number, mother's maiden name, etc. and $100.00.

Valid IDs include a driver’s license with photo, state/country ID card with photo, passport with photo, military ID, resident alien card, or any other government-issued ID with photo.

If you do not have one of these, please provide three of the following: certified birth certificate, insurance card, social security card, voter registration card, concealed weapons permit, tribal ID, property tax bill with current address or expired government-issued ID with photo.

How do I sign up for e-Statements?

Please follow the instructions here.

How do I set up direct deposit?

Complete this form and bring into your nearest branch.

What is the routing number for direct deposit or domestic wire transfers?

072402694. For an international cable or wire transfer contact customer service at 888.322.1088.

How can I find out what my telephone banking (Telebanc) password?

For your security, CNB does not have access to your password(s). We can reset your telephone banking password for you. If you are having trouble accessing your account, please give us a call toll-free at 888-322-1088.

Do I need to notify the bank if I am traveling?

By informing us of your travel and/or purchase plans, we can work to ensure that you are able to use your debit card without the fear of having your transactions declined. We are also able to order foreign currency at any of our branches.

Where are County National Bank ATMs?

Online Banking & Mobile App FAQs

Personal Online Banking

What is the cost?
Nothing, all you need is a qualifying account.

How can I sign up for Personal Online Banking?
You must have an activation code or Telebanc PIN to enroll.

Enroll Now

How do I reset my password?
Inside online banking, click "forgot password" to receive an email that will allow you to reset it. Alternatively, you can call our customer service department and we can reset the password for you.

Who do I contact for assistance?
Our customer service department is available at 888.322.1088.
Monday – Friday: 8:00 am to 4:30 pm
Saturday: 8:00 am to 12:00 pm
 

Business Online Banking

What is the cost?
Depending on the needs of your business there may be a small monthly fee.

How do I sign up for Business Online Banking?
Click here and our Treasury Management Officer will contact you to discuss business online banking.

What are the computer requirements for online banking?

Any operating system and browser that supports TLS 1.2

Can I download my information?

Of course! While you're logged on to your County National Bank account, you can export your financial data pre-formatted for Quicken™, Quick Books™, and Microsoft Money™, and Excel.

What should I do if I notice a discrepancy?

In the rare event of an error, contact your local office immediately and we'll begin steps to rectify the situation. Contact us at 888-322-1088 or email us.

CNB Mobile App

How do I start using my app?

Once you’ve downloaded the app, just follow these simple steps:

  1. Touch the app icon on your home screen.
  2. Enter your online bank account information to log in.
  3. For additional security, you will also be asked to create a four-digit passcode. The passcode will be required each time you launch the app.

If you cannot remember your login information or the answer to your challenge question, please contact us for assistance.

Are there any requirements to use the app?

In order to use the County National Bank app:

  • You must be enrolled in online banking at County National Bank.
  • You must have: Apple iPhone® with iOS 9.0 or above or Android™ 4.1 or above

Health Savings Accounts FAQs

What is an HSA?

An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of the account beneficiary who, for the months for which contributions are made to an HSA, is covered under a high-deductible health plan.

Who is a qualified HSA trustee or custodian?

Any insurance company or any bank can be an HSA trustee or custodian. Also, any other person already approved by the IRS to be a trustee or custodian of IRAs is automatically approved to be an HSA trustee or custodian.

Does the HSA have to be opened at the same institution that provides the HDHP?

No. The HSA can be established through a qualified trustee or custodian who is different from the HDHP provider. Where a trustee or custodian does not sponsor the HDHP, the trustee or custodian may require proof or certification that the account beneficiary is an eligible individual, including that the individual is covered by a health plan that meets all of the requirements of an HDHP.

Who may contribute to an HSA?

Any eligible individual may contribute to an HSA. For an HSA established by an employee, the employee, the employee's employer or both may contribute to the HSA of the employee in a given year. For an HSA established by a self-employed (or unemployed) individual, the individual may contribute to the HSA. Family members may also make contributions to an HSA on behalf of another family member as long as that other family member is an eligible individual.

Can anyone make catch-up contributions to a Health Savings Account?

Individuals 55 and older who are covered by an HDHP can make additional catch-up contributions. They may make contributions anticipating medical expenses that will not be covered under Medicare - such as a portion of prescription drug costs or Medicare Part A & B premiums. For individuals age 55 and older, additional catch-up contributions to HSA are allowed up to $1000. Contributions must stop once an individual is enrolled in Medicare.

I turned 55 this year. Can I make the full "catch-up" contribution?

If you had HDHP coverage for the year, you could make the full catch-up contribution regardless of when your 55th birthday falls during the year. If you did not have coverage for the full year, you must pro-rate your "catch-up" contribution for the number of full months you were "eligible", i.e. had HDHP coverage.

In what form must contributions be made to an HSA?

Contributions to an HSA must be made in cash. For example, contributions may not be made in the form of stock or other property. Payments for the HDHP and contributions to the HSA can be made through a cafeteria plan.

What is the tax treatment of an eligible individual's HSA contributions?

Contributions made by an eligible individual to an HSA are deductible by the eligible individual in determining adjusted gross income (i.e. above-the-line). The contributions are deductible whether or not the eligible individual itemizes deductions. However, the individual cannot also deduct the contributions as medical expense deductions under section 213.

What is the tax treatment of an HSA?

An HSA is exempt from tax (like an IRA) unless it has ceased to be an HSA. Earnings on amounts in an HSA are not includable in gross income while held in the HSA (i.e. inside buildup is not taxable).

Are rollover contributions to HSAs permitted?

Rollover contributions from Archer MSA's and other HSA's into an HSA are permitted. Rollover contributions need not be in cash. Rollovers are not subject to the annual contribution limits. Rollovers from an IRA, from a health reimbursement arrangement (HRA), or from a health flexible spending arrangement (FSA) to an HSA are not permitted.

When is an individual permitted to receive distributions from an HSA?

An individual is permitted to receive distributions from an HSA at any time.

Must employers who make contributions to an employee's HSA determine whether HSA distributions are used exclusively for qualified medical expenses?

No. The same rule that applies to trustees or custodians applies to employers.

Can an HSA be offered under a cafeteria plan?

Yes. Both an HSA and an HDHP may be offered as options under a cafeteria plan. Thus, an employee may elect to have amounts contributed as employer contributions to an HSA and an HDHP on a salary-reduction basis.

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More Questions?

Do you have a question that's not listed here? Get in touch and we're happy to help.