Frequently Asked Questions

Answers to Your Questions

General

Is there a cutoff time for transactions?

In-branch transactions must be completed by 2:30 p.m. on business days if you want the transactions to be posted the same day. Transactions that occur on non-business days — including Saturdays, Sundays and federal holidays — will be posted the following business day. To post on the same day, online transfers and mobile check deposits must be completed by 2:00 p.m.

What is the bank’s routing number?

First National Bank of Johnson’s routing number is 104905881.

Also referred to as an ABA routing number or a routing transit number (RTN), the routing number identifies where your account was opened. It can be found on the bottom of your checks. You may be asked for your routing number and account number when making a payment online or by phone or setting up direct deposit.

Do not use this routing number for wires. See our wiring instructions.

How do I find my account number?

Your account number is the middle set of numbers on the bottom of your check. You can also find your account number by contacting us.

Can I wire money?

Yes! Wiring money is quick and easy. Please see our wiring instructions.

How do I transfer funds between accounts?

Transfers between accounts can be done through:

• Calling either of our locations
• Online Banking
• Mobile Banking

What is the ATM withdrawal limit?

Our ATMs have a maximum withdrawal limit of $200 per transaction. Multiple transactions can be made up to the ATM withdrawal limit on the card. 

What does “FDIC Insured” mean?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government.

FDIC insurance covers all deposit accounts, including:

• Checking accounts
• Savings accounts
• Money market deposit accounts
• Certificates of deposit
• Individual Retirement accounts (IRAs)

FDIC insurance does not cover other financial products and services that banks may offer, including, but not limited to: stocks, bonds, mutual funds, life insurance policies, safe deposit boxes or their contents, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

What are the bank’s hours?

This varies by branch. See our locations.

What should I do if I suspect fraud on my account?

Stop all contact with potential scammer(s) immediately! Then call the bank immediately!

Beware of phone calls, text messages or emails requesting personal/private information. Do not provide your username, password, date of birth, Social Security Number (SSN), bank account information or any other personal information.

Checking & Savings Accounts

What will I need to open a checking or savings account?

You will need your state-issued driver’s license/ID card to open an account.

If your current address does not match the address on your ID, you will be required to provide proof of address. Some accounts may require a minimum opening deposit. Learn more here:

Checking Savings

How do I order checks?

You can order checks during account opening. To reorder checks, you can stop in or call either of our branches.

Can I view checks online?

Yes! You can view checks online with Online Banking or in our Mobile Banking app.

Can I deposit checks into my account using my phone?

Yes! We have mobile check deposit in our mobile app. See our Mobile Banking FAQ below for more info.

Certificates of Deposit (CDs)

What is a certificate of deposit (CD)?

A CD is a product that pays a fixed interest rate for a set period of time. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest.

How do I cash in my CD?

You may stop in at one of our locations to cash in or reinvest your CD. 

We will issue you a bank check, deposit your funds into an existing account or reinvest your funds.

How long do I have after maturity to cash in my CD? What happens if I’m late?

You have 10 calendar days after maturity to cash, renew or reinvest your funds. The CD will automatically renew at the current interest rate after the 10th calendar day. After the 10th day, it would be considered an early withdrawal, and a penalty will apply.

Online Banking

How do I enroll in Online Banking?

If you already have an account with us, please visit Online Banking to enroll. If you’re not a current account holder, contact us to open an account today!

How secure is Online Banking?

Very secure. We use multiple layers of security to protect your information, including password protection, account number masking and multifactor authentication. 

Even with these security measures in place, it is important to keep your username, password and personal information private. 

How can I reset my password?

There is a password reset link that can be used to reset accounts. Give us a call at 800-869-0438.

Why aren’t my security questions working?

Security questions are not case sensitive but have to be typed in exactly how they were originally entered. Still not working? Give us a call at 800-869-0438.

Who can I pay with Online Bill Pay?

You can pay virtually anyone you want using our free Online Bill Pay service as long as they have a valid U.S. mailing address.

Exceptions include:

• Tax payments
• Court-ordered payments
• Payments to payees outside the United States
• Payments to other institutions for the purpose of making a deposit

Mobile Banking

How do I get the Mobile Banking app?

Search for “FNBJ Mobile” in the Apple App Store or on Google Play and download it to your mobile device, or click on one of these links:

• Apple
• Android

Launch the app and log in with the same user ID and password you use for Online Banking.

How do I deposit a check using mobile banking?

First, enroll for Mobile Remote Deposit within our mobile app.

Next, endorse the check “For Mobile Deposit Only FNBJ” and endorse the check with your signature.  

Finally, follow the on-screen instructions on how to take a picture of the front and back of your check and complete the requested information. 

What is the cutoff time for mobile check deposits?

Funds deposited before 2:00 p.m. on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the same business day after 3:00 p.m.

Are there any limits to how much I can deposit?

While there is not a daily limit on how much you can deposit, all deposits are reviewed prior to approval.

Are there limits to what checks can be deposited?

The following types of checks are not eligible for mobile check deposit:

• Foreign checks
• Counter checks (white bank checks)
• Bonds
• Third-party checks
• Returned or re-deposited Items
• Rebate checks

We may not be able to image money orders other than Western Union.

What security measures are in place?

Mobile Banking via our app or a browser is secure.

• A password is required each time you log in.
• Mobile Banking uses the same multiple layers of security as Online Banking.

Depending on your device’s capabilities, you can sign on with a regular password or set up fingerprint or face recognition.

Even with these security measures in place, it is important to keep your username, password and personal information private.

Debit Cards

Can I select my own PIN or change my PIN?

Yes, after you receive your card, you will follow the instructions to activate your card and set up your PIN. To change your PIN, call 800-992-3808. 

How do I order a debit card?

Stop by one of our locations to sign an application. 

How long does it take to get a debit card?

You should receive your debit card within two weeks of ordering.

What should I do if my card is lost or stolen?

Call us immediately at 800-869-0438. If it’s after hours, call 800-472-3272.

What should I do if my card is about to expire?

Before your card expires, you should automatically receive a new card in the mail. Your card is valid through the month listed on the card. For example, if it expires on 12/22, your card is valid until December 31, 2022. You will receive a new card before that date.

What should I do if I am planning a trip or vacation?

To avoid any issues with debit card usage, please notify the bank with your dates of travel and the U.S. states or international countries you are visiting.

Lending

What information should I bring when applying for a loan?

Most loan requests begin by having the customer complete a loan application. The loan application provides the bank with information about the borrower(s), such as where they live, where they work, the income they generate, the assets they own and liabilities they currently have.

To help expedite the application process, a customer should bring this type of information with them when they visit one of our branches.

When will I know if I’ve been approved?

For most loan requests, our loan officers can approve the loan at the time a loan request is presented to them.

For larger loans, an officer may need to seek approval from the bank’s loan committee. If a loan decision needs to be approved by someone other than the loan officer, the loan officer will provide you with a timeline of when the final decision will be made.

Once I’m approved, how long does it take to close the loan?

For most consumer and commercial loan requests, once the loan has been approved, funds can be provided the same day as the loan approval.

For mortgage loan requests, it may take up to 60 days to obtain funding as the bank works with attorneys, title companies, appraisers and other professionals to ensure the borrower has all aspects of the house purchase covered.

Our loan officers will keep the customer informed of the progress throughout the entire process.