Frequently Asked Questions

What services does East Community Bank offer?

East Community Bank offers a variety of services including savings accounts, checking accounts, loans, mortgages, and investment services.

How can I open an account?

You can open an account online through our website or by visiting one of our branches. Please have your identification and necessary documents ready.

What are the fees associated with my account?

Fees may vary based on the type of account you have. Please refer to our Fees and Service Charges schedule for detailed information.

How do I reset my online banking password?

You can reset your password by clicking on the "Forgot Password?" link on the login page. Follow the prompts to reset your password securely.

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

If you suspect fraud, please contact us immediately at our customer service number. We will assist you in securing your account and investigating the issue.

What is an international wire transfer?

An international wire transfer is a method of electronically transferring funds from one bank account to another across international borders.

Are there fees for international wire transfers?

Yes, there are fees associated with international wire transfers. Please check our Fees and Service Charges schedule for specific amounts.

How long does it take for an international wire transfer to process?

International wire transfers typically take 1-5 business days to process, depending on the receiving bank and the countries involved.

What information do I need to send an international wire transfer?

You will need the recipient's name, address, bank account number, and the receiving bank's SWIFT/BIC code, along with any other required information.

Can I send money internationally using my mobile banking app?

Yes, you can send money internationally using our mobile banking app, provided you have the necessary information and permissions set up.

What is the difference between a wire transfer and an ACH transfer?

A wire transfer is a direct electronic transfer of funds, typically used for larger amounts and international transactions, while ACH transfers are used for domestic transactions and are generally slower.

What should I do if my international wire transfer is delayed?

If your international wire transfer is delayed, please contact our customer service for assistance. We can help track the transfer and resolve any issues.

What is the maximum amount I can send internationally?

The maximum amount for international wire transfers may vary based on your account type and the regulations of the receiving country. Please contact customer support for specific limits.

Are there any restrictions on sending money to certain countries?

Yes, there may be restrictions on sending money to certain countries due to regulatory compliance. Please check with our customer service for the latest information.

What is the process for receiving an international wire transfer?

To receive an international wire transfer, provide the sender with your bank's SWIFT/BIC code, your account number, and any other required information. Once the transfer is initiated, it will be credited to your account.

Can I cancel an international wire transfer?

Once an international wire transfer has been initiated, it cannot be canceled. However, you can contact customer service for assistance if there are any issues.

What is the role of the intermediary bank in a wire transfer?

An intermediary bank may be used to facilitate the transfer of funds between the sending and receiving banks, especially if they do not have a direct relationship.

What should I do if I receive a suspicious email regarding my account?

If you receive a suspicious email, do not click on any links or provide any personal information. Contact our customer service immediately to report the incident.

How can I protect my account from fraud?

To protect your account, use strong passwords, enable two-factor authentication, monitor your account regularly, and report any suspicious activity immediately.

What is the process for disputing a transaction?

If you need to dispute a transaction, contact our customer service as soon as possible. We will guide you through the dispute process and provide the necessary forms.

How do I update my contact information with the bank?

You can update your contact information by logging into your online banking account or by contacting customer service directly.

What should I do if I lose my debit or credit card?

If you lose your debit or credit card, contact our customer service immediately to report the loss and request a replacement card.

How can I access my account statements?

You can access your account statements through our online banking portal or mobile app. Statements are typically available for download in PDF format.

What is the bank's policy on privacy and data protection?

We take your privacy seriously. Our privacy policy outlines how we collect, use, and protect your personal information. You can view our full privacy policy on our website.

How can I contact customer support?

You can contact customer support via email at support@eastcommunitybank.com or by calling our customer service number.

What should I do if I have a complaint about my account?

If you have a complaint, please contact our customer service team. We take all complaints seriously and will work to resolve any issues promptly.

What is the process for closing my account?

To close your account, please contact customer service. We will guide you through the process and ensure that all outstanding transactions are settled.

Can I set up automatic payments from my account?

Yes, you can set up automatic payments through our online banking portal. You will need to provide the payment details and the amount to be deducted.

What is the bank's policy on overdrafts?

Our overdraft policy allows for certain transactions to be covered even if your account balance is insufficient. Please refer to our Overdraft Disclosure for more details.

How can I report a lost or stolen check?

If you lose a check or suspect it has been stolen, please contact our customer service immediately to report the incident and take necessary precautions.

What is the process for applying for a loan?

You can apply for a loan online through our website or by visiting one of our branches. Please have your financial information and documentation ready for review.

What types of loans does East Community Bank offer?

We offer various types of loans, including personal loans, auto loans, home equity loans, and mortgages. Please visit our website for more details on each type.

How can I check my account balance?

You can check your account balance through our online banking portal, mobile app, or by visiting an ATM. You can also call customer service for assistance.

What should I do if I forget my online banking username?

If you forget your online banking username, you can click on the "Forgot Username?" link on the login page and follow the prompts to recover it.

How do I set up alerts for my account?

You can set up alerts for your account through our online banking portal. Choose the types of alerts you want to receive and how you would like to be notified.

What is the bank's policy on account inactivity?

Accounts that are inactive for a certain period may incur fees and could eventually be closed or escheated. Please refer to our account inactivity policy for more details.

How can I obtain a copy of my tax documents?

You can obtain a copy of your tax documents by logging into your online banking account or by contacting customer service for assistance.

What should I do if I have a question not covered in the FAQ?

If you have a question not covered in the FAQ, please contact our customer support at support@eastcommunitybank.com or call us for assistance.