What are your hours and locations?
Please visit our branch locations page to find out our hours and exact locations.
Where are your ATMs located?
Please visit our ATM locations page to find our ATMs.
What does it cost to get cash from another bank's ATM?
It varies, but the first screen will always give you the fee amount so you can continue or cancel the transaction if you don't wish to proceed. Another way to avoid other bank's ATM fees is by getting cash back from a grocery store, gas station or other merchants where available.
What are the cutoff times for deposits to be posted on the same business day?
For lobby and drive-up transactions the cutoff time for deposit accounts is 2:00 p.m. Any deposits made after 2:00 p.m. will be posted at the end of the next business day. Loan payments are accepted and credited on the same business day up to 4:00 p.m.
What is the routing number for Glasford Bank?
Our routing number is 071113188.
How hard is it to switch my direct deposit payroll to Glasford Bank if I switch my checking?
This is easy! We will give you your new account number and our bank routing number to give to your payroll department and that is all they will need. Depending on your timing, you may have both accounts open for one payroll cycle if it was too late to get the switch made.
How do I sign up for Online Banking and Bill Pay?
There are quite a few different ways to sign up for our Online Banking and Bill Pay services. While opening a new account or just doing your normal bank business, ask the customer service representative to provide you with an enrollment form. Another option is to call us and ask that one be mailed to you. And of course, you can always fill out our enrollment form by clicking here. After we receive your enrollment form, you should receive an Internet Banking ID and temporary PIN in the mail within 7 business days.
What does Online Banking and/or Bill Pay cost?
Online Banking is free and only $5.95 per month for Bill Payment.
What if I have forgotten my Online Banking PIN or am locked out of my accounts?
If you have not set-up your reset password question and answer under the Options tab in your online banking, you will need to call the bank and ask to speak to someone regarding your Online Banking account, or stop by our branches. We will ask you for your Online Banking ID as well as have you verify other information before issuing you a temporary password that you will change during your next login.
I clicked on the Forgot Password link but it says it is not enabled for my account. How do I enable this feature?
You must set up this feature in Online Banking before you can use it. To enable the 'Forgot Password" link on the home page you must first be logged into Online Banking. Once logged in go to the 'Options' tab and complete the 'Modify Personal Settings' section and click submit at the bottom. Once complete, anytime in the future that you are locked out or forgot your password you will be able to click on the 'Forgot Password' link to reset your password.
Why am I being asked to establish a picture?
The picture is called a Watermark. The Watermark is an anti‐phishing measure that helps reassure you that you are visiting our online banking. The Watermark will display during subsequent logins and in the lower left corner of the online banking session after login is complete.
Why am I being asked to set up questions and answers?
All users will need to re-establish the three security questions from drop‐down lists, and will type in answers to the questions selected. These questions are used to challenge you if the activity being conducted is out of your normal pattern, for example if you log in from a different computer. By answering the questions, you are demonstrating to the system that you are the true authorized user.
Why am I being asked to enter phone numbers?
In addition to the three security questions, you may enter up to four phone numbers for the identity verification process. Again if your activity is out of your normal pattern, you can opt for an automated phone call by clicking the "Optional Authorization" button to pass the challenge in lieu of answering the challenge questions.
How do I add a new account to my Online Banking list?
There are two different ways this can be done: 1) Stop by any of our locations and fill out and sign a form to add your account or 2) log in to Online Banking and click on the Contact tab to send us a secure message requesting adding an account.
How far in advance should I schedule my bill payments?
For payments that are being sent electronically, please allow 3 business days. Allow 5-7 business days if a paper check must be issued.
For more frequently asked questions about online banking click here.
Does Glasford Bank have a lot of repossessed properties right now?
No. We did not participate in the Sub-Prime Lending Crisis. Our lending guidelines have always been conservative. It's business as usual at Glasford Bank. We are a strong community bank ready to work with you and your lending needs.
What are my daily limits?
Your daily limits are given to you in your acceptance letter. You can also call us to get your daily limits if you no longer have your letter.
I've lost my card. What should I do?
If you cannot find your card, notify us immediately. If it's after banking hours, you can call 1-800-383-8000 and report your lost card, you will need to have your checking account or debit card number available.
What should I do if I have lost my PIN?
For security reasons, we do not have your PIN at the bank, but we can order a copy of it for you. There is a $10 fee for this.
My card expires soon, when will I receive a new card?
The card you have will automatically be replaced every two years. We will mail the card to you around the 15th of the month it is due to expire. If you do not receive your card by the end of the month, please contact us. Your debit card is good until the very last day of the month that it is due to expire.
Why are there charges showing on my account that say 'pre-auth'?
These charges are pre-authorizations and they can occur any time you use your debit card with a merchant (gas station, department store, hotel, etc.). The merchant "reads" the card and then verifies that there are sufficient funds in the account to make the payment. While the funds are being verified, the amount of money needed for the transaction is actually put on "hold".
Can these pre-authorizations affect my account balance?
Yes, they can. Pre-authorization can decrease the available balance in your account because it is putting a hold on the money in your account for that transaction.
Why are pre-authorizations sometimes a different amount than the actual purchase?
Pre-authorizations are handled differently depending on the merchant and the type of purchase. You will see that most pre-authorizations are for the same amount as the purchase yet sometimes a pre-authorization will only be for $1.00 and other times for more than the amount of the purchase. These situations often occur when you use your card at a gas pump or hotel. For example, when you swipe your card at the pump before you dispense the gas, there is no way to pre-determine the total. The merchant might either preauthorize the transaction for a $1.00 or for an amount higher than what they think you will spend (to make sure you have enough money in your account to cover the transaction). Pre-authorizations can be as high as $75.00 at a gas pump.
Do preauthorizations go away?
Yes. Pre-authorizations just place a "hold" on the transaction amount until the actual transaction is posted to your account. Typically, the pre-authorization will be replaced by the posted final transaction. On rare occasions the pre-authorization remains on the system even after the final transaction is posted it will only show for a maximum of three business days.
Why have these pre-authorizations started?
Pre-authorizations have been happening as long as debit cards have been in use. The process for pre-authorizations is the same now as it was in the past but now that the bank is real-time you are able to see the pre-authorizations. Before, all of the pre-authorizations only showed on the banks end of the system and were not visible to the customer yet they still affected the available balance on the card.
Important note: The bank has no control over pre-authorizations; each is handled by the individual merchant and is a required element of debit card usage