Frequently Asked Questions
General
Is 1st Security Bank financially stable?
Yes, 1st Security Bank is financially stable.
- We are well capitalized by all three capital ratio measures (as of March 31, 2010).
- We have recorded earnings in the first quarter of 2010.
- We have a “texas ratio” of 51 (as of March 31, 2010 ), well below the threshold of 100.
The Texas ratio takes the amount of a bank’s non-performing assets and loans, as well as loans delinquent for more than 90 days, and divides this number by the bank’s tangible capital equity plus its loan loss reserve. A ratio of more than 100 (or 1:1) is considered a warning sign.
What are your hours of operation?
All branch locations are open Monday through Friday. Monday – Thursday 9am – 5pm, Friday 9am – 6pm.
What is 1st Security Bank’s main mailing address?
1st Security Bank
PO Box 97000
Lynnwood, WA 98046-9700
Does it matter which branch is my branch of account?
Not necessarily. You can visit any branch location to deposit and withdraw money, make loan/mortgage payments, change account information, etc. Your branch of account, however, takes pride in getting to know their customers on a personal level and takes the time needed to determine how to help you make the most of your financial life.
How do I change my account address?
- Visit one of our branch locations; or
- Within 1st Security Bank’s Online Banking – User Options; or
- Fill out, print, sign, and mail 1st Security Bank’s Account Status Change Form to 1st Security Bank, PO Box 97000, Lynnwood, WA 98046.
How do I change/update the name on my account?
Visit or call one of our branch locations.
What is the Bank’s 2010 holiday schedule?
New Year’s Day Friday, January 1
Martin Luther King, Jr. Birthday Monday, January 18
Presidents’ Day Monday, February 15
Memorial Day Monday, May 31
Independence Day Monday, July 5
Labor Day Monday, September 6
Columbus Day Monday, October 11
Veteran’s Day Thursday, November 11
Thanksgiving Day Thursday, November 25
Deposit Accounts
What is 1st Security Bank’s ABA routing number?
325182289
Where is the 1st Security Bank transit/ABA routing number on my check?
When looking at your check, your ABA routing number is the first set of nine (9) numbers listed on the bottom.
How do I reorder checks?
- Visit your branch of account; or
- You may reorder checks online if you use 1st Security Bank’s Online Banking. Once logged in, click on the Products and Services tab and follow the instructions.
- You may also call Harland Check Services directly at 800.427.5263.
How do I place a Stop Payment on a check?
You can request a stop payment on a personal check by calling your branch of account during regular business hours. A fee may apply.
You will need to provide the following information: check number, date written, exact amount, and payee. If the amount and check number are not exact, the check may be paid. The stop payment cannot be placed on an item that has already been presented. A stop payment will be effective for six months. A confirmation notice will be sent to you. We ask that you contact us if any information on the confirmation is not correct.
How do I change the password/PIN on my debit or ATM card?
Your card must be activated, and you must visit a 1st Security Bank ATM to do this. Just follow the instructions on the screen.
How do I deposit money into my checking and/or savings account(s)?
- Visit one of our branch locations (some locations offer night-drop boxes for after-hours); or
- You can use any 1st Security Bank or ACCEL/Exchange Deposit-Sharing ATM; or
- Set-up direct deposit if it’s offered by your employer; or
- Speak with your branch to see how to qualify for our Bank-by-Mail program.
- If you are a business customer, click here to learn about 1st Express Deposit. If interested, contact Business Services at 877.372.4249 to see if it may be an option for you.
How do I make a deposit if I don’t live near any 1st Security branches or ATMs?
- You can use any ACCEL/Exchange Deposit-Sharing ATM; or
- Set-up direct deposit if it’s offered by your employer; or
- Speak with your branch to see how to qualify for our Bank-by-Mail program.
How do I locate the closest 1st Security Bank ATM?
Click here for a list of 1st Security Bank branch and ATM locations.
Can I use my 1st Security Bank Debit or ATM card in a foreign country?
Yes, but we’re serious about doing all we can to protect you from debit card fraud. That’s why we ask you to call us when you plan to travel outside the U.S.
When you do this, we will then be able to make sure you’re able to continue using your card without any problems. To avoid any problems, contact one of our branch locations before you leave.
How do I check my balance by phone?
To check your balance by phone, you may:
- Call our 24-Hour Telephone Banking system; or
- Call one of our branch locations during regular business hours.
Loan Accounts
How do I get information about my existing loan with 1st Security Bank?
For general loan information, call us toll-free at 800.683.0973, option 3. If you’re signed up for Online Banking with 1st Security Bank, you can view your loan information online 24-hours a day, seven days a week. If you’d like to sign up for Online Banking, call or visit your local 1st Security Bank branch.
How do I apply for a loan through 1st Security Bank?
Simply call or visit any one of our branch locations. We’ll be happy to help you every step of the way.
What payment alternatives do I have, in addition to mailing my payment every month?
- Sign up for automatic payments and take the worry out of mailing your payment in each month; or
- If you have a checking or savings account, simply transfer money to your loan each month via Online Banking or 24-Hour Telephone Banking; or
- Call us toll-free at 800.683.0973, option 3, to make a payment by phone with your VISA or Mastercard. (A fee does apply.); or
- Set-up a recurring payment with your Online Bill Pay provider.
How do I sign up for automatic loan payments?
Download our Auto-External Transfer form. Then, simply mail or bring it to your local 1st Security Bank branch.
If I run out of loan payment coupons, does that mean my loan is paid off?
No. Coupon books are ordered in a one-year supply. If you run out of loan coupons, please call 800.683.0973, option 3, so we can order more for you.
How do I order more loan payment coupons?
Call us at 800.683.0973, option 3, to speak to someone who can assist you.
Can I make a payment to my 1st Security Bank Visa Credit Card online?
Yes. Click here to access MyAccountAccess™. If you’re an Online Banking user, you can access MyAccountAccess™ by clicking on the “Visa Credit Card” link within Online Banking.