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1. Since Woodlands Bank is a locally owned bank, does it offer all of the products and services that I can get at a larger bank?

Yes. In addition to various Checking and Savings accounts, we offer Time Deposits, IRAs, Trust Accounts and Investment Services, as well as Consumer and Commercial loans, Mortgages and Credit Lines. You may choose to apply for a debit or credit card, enroll in Internet Banking with Bill Pay, or rent a safe deposit box. We also offer wire transfers, overdraft privilege, automatic transfers and cash management services.

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2. Does your bank close on Wednesday afternoons or only operate the drive-thru on Saturdays like other banks?

No. All six of our convenient locations are open from 8am until 6pm Monday through Friday, and from 8am until noon on Saturday, with your choice of lobby or drive thru service.

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3. Who can I talk to that will take the time to discuss my banking needs with me?

Whether you have money to invest, need to borrow money or just need to open a checking account, we have staff in each of the offices who will be glad to help you. You can stop into any office, or make an appointment at a time that’s convenient for you.

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4. What do I need to open a personal account?

To open an account you’ll need a valid government-issued ID (such as driver’s license, state-id or military-id), and you’ll need to provide your social security number, your physical address, and phone number.

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5. What do I need to open a business account?

To open a business account you will need to provide your federal EIN, your physical address and phone number, the type of entity, and proof of existence (such as articles of incorporation, partnership agreement, business license, or meeting minutes).

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6. What’s the difference between a debit and a credit card?

A debit card provides an alternative to cash or writing a check when making purchases, and it allows you to withdraw money from your account at any ATM machine. It is an easy and convenient way to access your account.

A credit card is not tied to a specific bank account. Credit cards offer a way to charge your purchases, up to an approved limit, on a revolving line of credit. You typically have from 25 to 30 days to pay your balance in full, before you are charged interest and late fee.

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7. How can I get an ATM card?

A simple application is required to apply for an ATM card. Regulations state the ATM card must be tied to a checking account for point-of-sale purchases, but your savings account may be added to the card. This will enable you to withdraw cash from your savings account or transfer money between savings and checking accounts.

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8. Where can I find ATMs that won’t charge me a fee when I travel out of the area?

Woodlands Bank is part of the MoneyPass network of ATMs. You can use any ATM which displays the MoneyPass logo without a user’s fee. To search for the location of MoneyPass ATMs visit www.moneypass.com and enter the zip code of the area you plan to visit. The addresses and a map showing the closest MoneyPass ATMs will be displayed.

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9. What should I do if I misplaced my ATM card or checkbook?

You can report your ATM card as lost or stolen 24 hours a day, seven days a week by calling 1-800-863-5945. If you misplace your checkbook, call any Woodlands Bank office and we’ll be glad to assist you by alerting all of our tellers, placing stop payments on the missing checks, or closing your account and opening a new one.

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10. Do I have to come to the bank to re-order checks?

No. Personal checks can be re-ordered by calling 1-877-838-5287; business checks can be re-ordered by calling 1-800-252-3414. You will just need to provide your account number and the starting check number. Internet Banking customers can re-order their same checks online or choose a different check style or design.

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11. Is Internet Banking really safe?

Yes. Our Internet Banking System combines industry-approved security technologies to protect data for the bank and for our customers. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. More information is available in our security statement posted on this website.

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12. What can I do if can’t sign on to Internet Banking or can’t remember my password?

1. If you can’t remember your password (which is case sensitive) or have become locked out of the system (after 3 login attempts)

+ Select the Forget your Password? Link on the page where you enter your password titled Confirm your PassMark and Phrase and Submit your Password

+ You will be prompted to answer one of your Challenge questions

+ Click on the SUBMIT button

+ A new temporary password will be sent to the email address associated with your login

+ Log in again using your temporary password. You will be prompted to enter a new permanent password.

2. If you can’t remember your Login ID or as an alternative to using the online Forget your Password? feature, stop into any of our offices. After verifying your identity we can confirm your Login ID or provide you a temporary password.

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13. What is the Woodlands Bank routing number (or ABA number) that my employer is requesting so my paycheck can be automatically deposited into my checking account?

The routing number (or ABA number) for Woodlands Bank is 031302528. The routing number identifies a bank within the Federal Reserve System and acts as an address of where items should be directed.

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14. How do I notify the bank that I’ve changed my address?

For security reasons verbal requests to change a customer’s address are not accepted. You can either come into one of our offices and complete a change of address form, or click on this link to print and complete the change of address form and then deliver it to one of our offices.

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