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Deposit Account Frequently Asked Questions


1. What do I need to open an account at Tri City National Bank?
2. What is a valid form of picture identification?
3. What is ChexSystems?
4. Can I go to any Tri City Bank, or only the one where I opened my account?
5. How can I access my account information?
6. What type of information can I access through Telephone Banking?
7. When are Customer Service Representatives available through Telephone Banking?
8. Does Tri City National Bank have a deposit “cutoff time”?
9. What is Tri City Bank's Funds Availability Policy?
10. Why should I use direct deposit?
11. What is my routing number?
12. What is Automatic Transfer?
13. What is Overdraft Protection?
14. Where can I mail my deposit or loan payment?
15. How will I be notified that my Certificate of Deposit (CD) or IRA CD will be maturing?
16. How does my interest accrue?
17. What does APY mean?
18. Can I send and receive money via Western Union at Tri City National Bank?



1. What do I need to open an account at Tri City National Bank?
  • Valid picture identification
  • Social Security Number or Individual Taxpayer Identification Number (ITIN)
  • Opening deposit (amount varies based on type of account) 
2. What is a valid form of picture identification?
  • Valid (not expired) Wisconsin Picture Drivers License or Identification Card
  • United States Passport
  • Government, Military ID
  • Resident Alien Card
  • For customers new to Wisconsin, a valid picture Drivers License from another state
3. What is ChexSystems?
ChexSystems is a nationwide reporting and collection agency. The agency is used by most financial institutions to collect and track individuals who owe money to banks and who have mishandled their bank accounts.

4. Can I go to any Tri City Bank, or only the one where I opened my account?
You may conduct your banking business at any of our convenient locations.

5. How can I access my account information?
You may access your account information, find out about transactions that have cleared and much more 24 hours a day, seven days a week via Online Banking or Telephone Banking.
 
Sign up for Online Banking here
 
To access Telephone Banking, call (414) T-R-I-C-I-T-Y (874-2489) or 888-874-2489.  You must be enrolled and choose a PIN to be able to access Telephone Banking.  To enroll, stop in to any of our convenient locations.


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6. What type of information can I access through Telephone Banking?
If you have enrolled in Telephone Banking and chosen a PIN, you may access deposit and loan account balances, find out what transactions have posted to your account and find out interest information on deposit and loan accounts. 
 
Also, you may transfer funds between your accounts if you have a signed Balance Transfer Agreement on file.  To complete a Balance Transfer Agreement, call Telephone Banking and please press “0” to speak to a Customer Service Representative or stop in to any of our convenient locations.

7. When are Customer Service Representatives available through Telephone Banking?
You may press “0” to speak to a Telephone Banking Customer Service Representative during the following days and times:
Monday – Friday = 8:30 am – 6 pm
Saturday = 8:30 am – 2 pm

8. Does Tri City National Bank have a deposit "cutoff time"?
No.  All deposits made during regular banking hours within any of our branches will be credited on the day of deposit.  Deposits made on Saturdays, Sundays and federal holidays will be credited on the next business day.
 

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9. What is Tri City Bank's Funds Availability Policy?
Our policy is to make funds available to you on the first business day after the day we receive your deposit. Electronic deposits will be available on the day we receive your deposit.  Saturdays, Sundays and federal holidays are not business days and may alter the availability of funds.
 
In some cases, we will not make all the funds you deposit by check available to you the next business day.  If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit.
 
10. Why should I use direct deposit?
Electronically depositing your check into your Tri City account is a faster and more secure method of receiving funds. No more worrying about having your check delayed or lost/stolen in the mail. The money is posted to your account the day it is issued.
 
11. What is my routing number?
Our routing number is 075001199.  It also referred to as an ABA, transit or banking number.
 
 
 
 
 
Your account number is the second set of numbers.
  
The third set is your check number. This should match the check number in the right-top corner of your check.
 
You will need the routing and account numbers for direct deposit, wire transfers and other electronic transactions.

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12. What is Automatic Transfer?
Automatic Transfer is a free service we provide that allows you to transfer money between two accounts on a recurring basis.  When you sign up for Automatic Transfer, you choose the account that you want take money from, the account that you want to receive the money, the amount you would like to continually transfer and what day or days you would like the transfer to occur.  For example, you could sign up to transfer $50 from your checking account to your savings account on the 15th of every month.  Then you sit back and watch your savings account grow while we automatically take care of transferring $50 every month from checking into savings.
 
To sign up for Automatic Transfer, stop in to any of our convenient locations to get started.

13. What is Overdraft Protection?
Overdraft Protection is a service we provide where we link your checking account to your savings account.  If your checking account becomes overdrawn, the amount of the overdraft will automatically be transferred from your savings into your checking account to cover it.  There is a $5 fee per transfer.  To sign up for Overdraft Protection, stop in to any of our convenient locations to complete an application. 
 

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14. Where can I mail my deposit or loan payment?
 
Tri City National Bank                             or                     Any of our convenient locations
PO Box 44017
West Allis, WI 53214-3147
 
15. How will I be notified that my Certificate of Deposit (CD) or IRA CD will be maturing?
Approximately 30 days before the maturity date, you will be mailed a maturity notice. It will show your maturity date, your interest rate, balance and interest payment at maturity.
 
If you would like to renew the CD or IRA CD, it will automatically do so with the same term and current interest rates 10 days after the maturity date. At this time, you will be sent a renewal notice along with a new disclosure statement.
 
16. How does my interest accrue?
Tri City National Bank uses the daily balance method to calculate Interest. This method applies a daily periodic rate (current interest rate / 365 days) to the current balance in the account each day.
 
Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items.
 
17. What does APY mean?
APY stands for Annual Percentage Yield. This is the amount of interest you would earn in one year if the interest is compounded.  The accrued interest must be left in the account to achieve the stated APY.
 
Interest may be posted (credited) monthly, quarterly or annually depending on the type of account. Please request a Truth in Savings Disclosure for interest posting methods on a specific type of account.
 
18. Can I send and receive money via Western Union at Tri City National Bank?
Yes!  Tri City National Bank is a Western Union agent.  That means you can conduct select Western Union transactions such as sending money, receiving money or making payments at any of our convenient locations.  For more information about Western Union products and services, visit the Western Union website.  

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You may contact us at 414-TRI-CITY (414-874-2489) or visit any branch.
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