Alluvioncapitals

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FAQs

Faq’s

Read Questions & Answers

  • 01How do I open a new account?

    Visit any branch with a valid ID, proof of address, and initial deposit, or sign up through our online banking platform. Complete the application form, and your account will be set up within 1-2 business days. Some accounts may require a minimum balance.

  • 02How can I check my account balance?

    Log in to our online banking portal or mobile app to view your balance in real-time. You can also visit an ATM, call our customer service at 1-800-894-6900, or check your balance at any branch.

  • 03Is online banking secure?

    Yes, our online banking uses advanced encryption, biometric login, and real-time fraud detection powered by AI to protect your data. Always use strong passwords and avoid public Wi-Fi for added security.

  • 04What is the daily ATM withdrawal limit?

    The standard daily ATM withdrawal limit is $500 for personal accounts. Contact customer service to request a temporary increase or check your account terms for specific limits.

  • 05How do I apply for a loan?

    Apply online via our website or visit a branch. You’ll need proof of income, ID, and credit history. Our AI-driven platform may pre-approve you instantly based on your financial profile. Approval typically takes 1-3 business days.

  • 06What happens if my card is lost or stolen?

    Immediately report it by calling 1-800-894-6900 (business hours) or 1-800-754-4128 (after hours). We’ll lock your card and issue a replacement. Monitor your account for unauthorized transactions.

  • 07How do I set up online bill payments?

    Log in to online banking, navigate to the “Bill Pay” section, and add payees with their account details. Schedule one-time or recurring payments. Ensure sufficient funds to avoid fees.

  • 08What fees are associated with my account?

    Fees vary by account type. Common fees include monthly maintenance ($0-$15, waivable with minimum balance) and overdraft fees ($35 per transaction). Review our fee schedule or contact us for details.

  • 09Can I use mobile apps for banking?

    Yes, our mobile app allows you to check balances, transfer funds, pay bills, and deposit checks remotely. Download it from the App Store or Google Play and log in with your online banking credentials.

  • 10How do I protect myself from fraud?

    Use strong passwords, enable two-factor authentication, and monitor your account regularly. Report suspicious activity immediately. Our AI fraud detection systems help safeguard your account.

  • 11What is the interest rate on savings accounts?

    Interest rates vary but typically range from 0.5% to 4% APY, depending on the account type and balance. Check our website or contact us for current rates.

  • 12How can I transfer money to another bank?

    Use our online banking platform to initiate an ACH transfer by entering the recipient’s bank details. Transfers typically take 1-3 business days. Fees may apply for expedited transfers.