Please note new hours at select branches: Effective December 2, 2019, the drive-through will close at 5 p.m. Monday through Thursday at our Susquehanna Trail and Eisenhower Drive locations.
Frequently Asked Questions
Explore our FAQs and find the answers to your personal, business or mortgage questions. Didn’t find what you’re looking for? Contact us today!
To get started, you’ll need to Enroll in Online Banking. Read and agree to the terms and conditions, complete the enrollment form, and you’ll be banking online in no time at all.
With Online Banking, you can view all your York Traditions Bank accounts, as well as loans.
Account information is updated in real-time, offering you the most current information available.
York Traditions Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.
If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply if using Same Day/Next Day Bill Payment feature.)
Bill pay can only be used with a checking account.
We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.
Yes, you can transfer funds between any of your York Traditions Bank accounts.
No extra software is necessary. You can access your York Traditions Bank accounts from almost any PC that has Internet access.
Yes, Online Banking works with any Internet Service Provider.
Yes, you can access your accounts from almost any PC.
York Traditions Mobile Banking allows you to:
- View account balances
- View transaction history
- View check images
- Transfer funds
- Pay bills
- Receive text alerts
Yes. All you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or transaction history.
SMS Text Banking messages are not encrypted and there is no application time out. If your phone or device is lost or stolen, you should deactivate the service. Unless the service is deactivated, it may be possible for another person in possession of the phone to view any text messages stored on the device, and see information such as account balances and recent history.
See instructions above under “Enroll Now!”
During enrollment, you are given the option of providing “nicknames” for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for York Traditions Mobile Banking, because your HIST inquiries use the nickname. It’s also included in the account history message returned by the financial institution.
For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.
An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.
Any phone with text messaging capabilities can take advantage of York Traditions Mobile Banking.
Yes, York Traditions Mobile Banking uses the same multilayer security as your desktop computer.
No non-public personal data is sent to or stored on the mobile banking devices and sensitive information is not available even if someone else gains access to the device. However, you should help protect your personal information by keeping the following guidelines in mind:
- SMS Text banking uses the phone number associated with your device for authentication. If the device is lost or stolen, you should deactivate your SMS Text banking service immediately. If the service remains active, another person in possession of the phone can use your SMS Text banking service to see account balances and transaction history.
- Do not store text messages from SMS Text banking. They could be read by another person, and may contain information such as our contact SMS Text number and your account nicknames that would allow another person to access your SMS Text banking.
- Do not store your online banking password in the device browser. Storing the password would potentially allow another person to follow the bookmark and log in. Quit out of the browser after each Internet banking session to erase session information and keep an unauthorized person from using the “back” browser function to re-enter your online banking.
Yes. You can add phones, change services or cancel at any time from the York Traditions Mobile Banking setup screen.
If you have an iPhone®, iPad®, or Android™ smartphone or tablet, simply download the application. Then, log in and click Deposits. You’ll key in the amount of the deposit, and take a picture of the front and back of the check. York Traditions Bank requires that you endorse the back of the check with “For Mobile Deposit Only to York Traditions Bank” under your signature. After uploading the images, you’ll receive a confirmation that the deposit is Pending.
Most personal and business U.S. checks can be processed through Mobile Deposit. Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally. York Traditions Bank’s per check limit is $2,500. The daily deposit limit is $5,000.
Mobile Deposit is very secure. It features multiple layers of security, giving your account and check data the highest level of safety available.
You can transmit mobile deposits to your York Traditions Bank personal checking, savings, or money market accounts 24-hours a day, 7-days a week including weekends and holidays, with the exception of our routine maintenance downtime.
Checks transmitted before 4 pm on a business day will be deposited after 6pm the same day. Checks transmitted after 4 pm any day will be deposited after 6pm the following business day.
York Traditions Bank suggests that you store your original checks for a minimum of 7 days prior to being destroyed. At the very least, keep the paper check until you confirm that the status of your deposit has been changed from Pending to Accepted within your Deposit History. (See previous question for when the deposit should post to your account.)
The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also, Beginning July 1, 2018, the Federal Reserve requires all mobile deposit endorsements to contain the name of the institution to which the deposit is being made. This will prevent a check from being inadvertently deposited more than once to multiple institutions. When submitting a mobile check deposit, you must endorse the back of each check with your signature and “For Mobile Deposit Only to York Traditions Bank” or the deposit will be rejected.
The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you’ll be asked to retake the photo.
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you’ve added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center.
After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
- Pending Payments: Provide a quick summary of the payments that have not yet been processed.
- Recent Payments: Provide a list of bills that have been paid in the past 45 days.
You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can’t find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.
We use several methods to ensure that your information is secure.
- SSL — Secure Sockets Layer ensures that your connection and information are secure from outside inspection.
- Encryption — 128-bit encryption makes your information unreadable as it passes over the Internet.
- Automatic Sign Out — Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.
For best performance, we recommend you use one of the following supported browsers:
- Firefox 48+ (Windows, Mac)
- Chrome 49+ (Windows, Mac)
- Safari 7+ (Mac)
- Internet Explorer 11+ (Windows)
- Edge (Windows)
Yes, we’ve incorporated several enhancements based on priorities one and two of the World Wide Web Consortium’s Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.
The following features may help you navigate more easily:
- Skip to Main Content Links — These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
- Link Titles — If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
- Table Summaries — Whenever information is presented in a table format, we provide a brief description of the contents.
- Font Sizes — The fonts can be resized without significantly changing the layout of a page.
Yes. If you’ve added more than one account in Bill Pay, you can easily transfer money between the accounts. Go to Transfer Money and select the option to transfer money.
The Transfer Date is the date that the money is withdrawn from the From account. Transfers are typically deposited in your To account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected From account. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled.
The calendar shows the earliest available date you can make a transfer.
Limits for how much money you can transfer between accounts are established based on information you provided during enrollment. If you try to transfer an amount that is higher than your limits, a message informs you how much money you can transfer.
If the transfer has not been processed, cancel the transfer. Once the transfer is canceled, schedule a new transfer to the correct account. If you’ve transferred the wrong amount, you can cancel the transfer if it has not been processed and reschedule it with the correct amount.
If you have a problem with a transfer that has been processed, you can send us a transfer inquiry from the Transfer Detail page. Our customer service will attempt to resolve the problem on your behalf.
The automatic transfer of a specified amount of money from one account to another based on a schedule that you set up. For example, you may want to set up a repeating transfer schedule to automatically transfer $500 from your money market account to a checking account at the end of each month.
Quick Facts About Repeating Transfer Schedules.
You need to make three decisions that determine the frequency and duration of the transfers:
- When do you want to schedule the first transfer?
- How often do you want to transfer the money?
- When do you want to stop scheduling the transfers?
When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.
When you schedule a repeating transfer for the same To and From accounts as an existing reminder you’ve set up, the reminder is removed. If e-mail notification options are available when you set up the repeating transfer, you can select those options to receive e-mail about your transfer.
The recipient will receive a payment notification either by email or a text message depending on how you chose to send the money.
Email address: The recipient will receive an email with instructions on how to direct the payment into their checking or savings account.
Mobile number: The recipient will receive a text message with instructions on how to direct the payment into their checking or savings account. If the recipient doesn’t act in 3 days, they will receive a text message reminder to act on the payment notification. Message and Data charges from your telecommunications provider may apply.
U.S. Bank account information (routing and account number): The money will be deposited into the recipient’s bank account. You may choose to notify the recipient by sending an email message.
Funds may be available in the recipient’s checking or savings account as early as one business day from the date they accept the funds. The recipient will receive a confirmation email with the date the funds will be in their account.
Payment can be directed to a checking, savings, or money market account held at a U.S. financial institution.
Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.
Yes. Popmoney was created with your financial security in mind. Popmoney is built on the industry’s leading online money movement platform and utilizes superior risk management and fraud protection services. This is the same online money movement platform used by thousands of financial institutions, including many of the nation’s top banks.
A chip card — also called a smart card or an EMV card — is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.
Yes. Chip cards add an additional layer of security to the safeguards that already protect cards. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases.
The chip contains information about a your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.
Yes. Chip cards can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. You will still be able to ‘swipe’ your card to make a payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.
Start the payment process by swiping your card. If the merchant’s terminal is chip-enabled, you will be prompted to insert your card.
- Insert the card, face up and chip end into the chip-enabled terminal.
- Leave the card in the terminal during the entire transaction.
- Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.
If the terminal is not chip-enabled, the transaction will process as it normally does from the initial swipe.
For merchants without chip-enabled terminals, you will ‘swipe’ your card through the terminal, as was previously done.
You can use your current card until you receive a new chip card. At that time, you should activate the new chip card and start using it. You should destroy your old card by cutting it up or shredding it.
Yes. You still need to sign the back of your card.
Yes. There is no change to that process. Chip cards can be used to make these purchases the same way as you currently make them.
Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released. Then remove your card and any money you may have withdrawn.
You may be asked to provide your signature or enter your PIN to complete a transaction when using your card. You will need to use your PIN at ATMs and it might be required at some unattended card terminals such as fuel pumps and payment kiosks.
- Report a lost or stolen card promptly by calling the toll-free number listed on the back of your card. If you can’t access that number, call 717-741-1770.
- Replaced cards will be issued with new account numbers.
- Remember to update any automatic payments with your new card number.
While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.
No. Chip cards contain no tracking information.
You can expect to receive a replacement debit card with chip enabled technology in the mail by the end of the first quarter of 2017. Once received, activate your new card as soon as possible to take advantage of the enhanced security features. Once activated, your magnetic stripe card will no longer work.
To report a lost or stolen personal credit card, please call 1-800-558-3424.
If you already have a credit card with us, you can check on your purchases and pay your credit card bill online by clicking here.
Please find the credit card product you are interested in on our website and click on the “Frequently Asked Questions” link at the bottom of the page.
This service is available to any York Traditions Bank customer with a business account. Businesses can also grant full or limited use of Business Banking to employees.
To get started click to Enroll in Online Banking, read and agree to the terms and conditions, and fill out the enrollment form. You can also contact York Traditions Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.
Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.
Unlike other financial institutions that update information one or two times a day, Business Online Banking is “real time.” This means account balances and transactions are updated as soon as items are processed by the Bank, delivering the most current information available.
You can access transactional information for your current statement cycle and previous statement cycle. A minimum of 90 days of transaction account history will be available.
Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into selected software applications such as Microsoft® Excel, Quickbooks®, and other commonly used software. Note that not all file formats are supported.
Yes. With Business Online Banking you can define access levels and set transfer limits for each employee.
There are two basic steps involved in using Business Bill Pay to make online payments:
- Set up your payees.
- Schedule payments.
When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Business Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.
Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.
Business Bill Pay uses several methods to ensure that your information is secure.
- Business User ID and Password: Your business user ID and password are unique identifiers that only you know. As long as you don’t share your business user ID and password with anyone, no one can sign in to Business Bill Pay as you.
- SSL: Business Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
- Encryption: Business Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
- Automatic Sign Out: In addition, Business Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually 10 minutes). It is best if you sign out immediately after you are finished.
To sign up for Business Bill Pay, you must be enrolled in Business Online Banking. You’ll find the link to enroll on the Payments tab. Enroll online and submit a completed enrollment form.
Please contact us for help with this.
The Level 1 User is the only user who can cancel the service. On the Profile > Service Setup page, “Cancel Your Service” at the bottom of the page. Before you cancel your service, keep in mind the following:
- Scheduled payments, including repeating payments, are not paid.
- Processing payments are paid.
- You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won’t have any outstanding payments that you can’t view or inquire about after you cancel your service.
- Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can’t send your payment using Business Bill Pay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
- If you decide to use Business Bill Pay again, you will have to re-enroll and set up your payee list.
It’s important to keep your business information (which includes business contact information) up to date so that we can contact you if necessary. To make any changes, go to the Profile > Business Information page and click Change.
Since authorized users can access Business Bill Pay and contact customer service on your behalf, their information should be up to date. You can review authorized user information on the Profile > Authorized User Information page. To make any changes, go to the Profile > Authorized User Information page and click “View/Change”.
Business Bill Pay can assist you in using its features as follows:
- While in Bill Pay, click Help Me With This Page to open Help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
- If you have general questions, read through the list of frequently asked questions (FAQs).
- Bill Pay Customer Service is also available. Call toll-free 1-844-815-9570 between the hours of 7am-1am, 7 days a week.
If you made a mistake when typing an account number, routing transit number, or account type, you should add the payment account again using the correct information. Then delete the account with the incorrect information.
Business Mobile Banking is our mobile service that brings business banking to your phone.
Business Mobile Banking allows you to:
- Review account history balances
- Pay bills
- Review transfers and payments
- Approve transactions
- Deposit checks on the go
Apple iPhone® and all phones using the Android™ operating system are supported. The specific app for each operating system can be found at their respective app store.
Business Mobile Banking uses state-of-the-art encryption and login security to protect your accounts. In addition, Business Mobile Banking applies all user permissions assigned in the online version of your business banking to mobile access.
If you have an iPhone® or Android™ smart phone, simply download the application. Then, log in. Endorse the back of the check with your signature and “For Mobile Deposit Only to York Traditions Bank.” Then key in the amount of the deposit, and take a picture of the front and back of the check. That’s it! Within seconds of uploading the transaction, you’ll receive a confirmation that the deposit was received successfully.
Most personal and business U.S. checks can be processed through Business Mobile Banking. Checks from Canada and other foreign countries, savings bonds and poor image quality checks must be deposited traditionally. York Traditions Bank’s per check limit is $10,000. The daily deposit limit is $25,000.
You can transmit mobile deposits to the financial institution 24-hours a day, 7-days a week including weekends and holidays, with the exception of any periodic maintenance downtime.
Deposits received electronically are processed within one business day. If an image of an item you transmit via Mobile Deposit is received before 4:00 pm EST and accepted before 6:00 pm EST on a business day that we are open, we consider that day to be the day of your deposit. Contact York Traditions Bank for details.
Before being destroyed, original checks should be stored for a minimum of 7 days after verifying the deposit is accepted. It is recommended that the checks are stored in a safe place until they are properly destroyed, such as by shredding.
The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also, you must endorse the back of the check with “For Mobile Deposit Only to York Traditions Bank”.
Beginning July 1, 2018, the Federal Reserve requires all mobile deposit endorsements to contain the name of the institution to which the deposit is being made. This will prevent a check from being inadvertently deposited more than once to multiple institutions. When submitting a mobile check deposit, you must endorse the back of each check with your signature and “For Mobile Deposit Only to York Traditions Bank” or the deposit will be rejected.
The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you’ll be asked to retake the photo.
Business Mobile Banking is free to all York Traditions Bank Business Online Banking users. Business Mobile Deposit has a small fee of $.50 for each check deposited, no matter what the amount of the check.
Traditions Mortgage has a wide variety of mortgage products. Our Mortgage Service Partners are known for helping their clients achieve their homeowner goals regardless of the economic environment. To begin the application process with Traditions Mortgage, please contact someone on our Mortgage Team or Apply Online.
An inspection is not the same as an appraisal, although both are used to protect you, the buyer, from hidden issues with the property that may arise at a later date. A home/property inspection is not required in the state of Pennsylvania, but Traditions Mortgage will order an appraisal, or a valuation of the property. If you are purchasing a property, ask your agent if a home inspection is necessary, depending on the home’s age or condition.
The state of Pennsylvania does not require a buyer to have a real estate attorney present at closing. If you feel more comfortable having an attorney review the contract and other paperwork, you may hire and pay for the attorney.
Locking in a rate means to set the rate. In working with your Mortgage Service Partner, you will be given a range of rates and points to choose from. They will help you make the most sense of the rate structures, keeping your mortgage goals in mind. A Floating rate is a rate that has not been set. It is still subject to market conditions and will fluctuate until locked in.
No. You can pay off your residential mortgage loan at any time.
Yes, Homeowner’s Insurance will be required in order to close a mortgage loan. This policy protects both the homeowner and the mortgage lender in case the home incurs a loss or is destroyed. The cost for a Homeowner’s Insurance Policy often depends on what it would cost to replace the home and which additional endorsements or riders are attached to the policy.
Private Mortgage Insurance (PMI) is required on a conventional loan if the loan to value is greater than 80%. Traditions Mortgage will secure the PMI as protection against possible payment default. Homeowner’s Insurance is secured by you, the homeowner. It protects your home and it’s contents from damage or loss.
Private Mortgage Insurance (PMI) payments continue until the loan balance reaches 78% of the original loan amount. At this point in time, the PMI is automatically dropped on all loans except second homes and investment properties. With respect to an FHA loan, the Mortgage Insurance Premium is paid for the life of the loan if the term is a 30 year or a 15 year with a down payment of 3.5%.
Title insurance is a form of indemnity insurance which protects an owner’s or a lender’s financial interest in real property against loss due to title defects, liens or other matters.
Yes, Title Insurance is needed on any mortgage that is obtained through Traditions Mortgage. It is used to protect the borrower and the lender against any title defects, liens, or other matters. Lender’s Title Insurance is required and protects the lender up to the loan amount. The owner may choose to take take out additional insurance called Owner’s Title Insurance to cover the difference between the loan amount and the value of the property. Owner’s Title Insurance is optional.