Valerie, David, and Dr. Christian Long

Banking FAQs

General FAQs

Q: How do I open an account or move my account from another bank to Kish Bank? A: Kish Bank makes opening an account an easy process, and our Personal Bankers will help you select the account that’s right for you. When you’re ready to open your account, use the Switch to Kish checklist that outlines all of the information you will need to open your account quickly and easily.

Q: How do I change my name on my accounts? A: In order to change your name, please visit any Kish Bank branch to sign a maintenance form.

Q: How do I change my mailing or email address? A: In order to change your address, please visit any Kish Bank branch to sign a maintenance form. If you are enrolled in Kish Bank OnLine Banking, you are also able to change your address online.

Q: What are the different ways I can access my account? A: Accounts can be accessed at any Kish Bank branch, or electronically through ATMs, OnLine Banking, Telephone Banking, and Mobile Banking.

Q: How do I access my Kish Bank accounts online? A: If you are already enrolled in Kish Bank OnLine Banking, click on the yellow “LOGIN” box at the top of any Kish webpage and enter your login information. If you are not yet enrolled, click on the yellow “LOGIN” box at the top of any Kish webpage, then click “sign up.” For more information about OnLine Banking, click here.

Q: How do I order checks? A: Kish Bank utilizes Deluxe® for all check ordering needs. If you wish to place a new order, please visit or call any Kish Bank branch. If you would like to reorder the same style that you currently have, you may do so by visiting, or by calling or visiting any Kish Bank branch location.

Q: What is my routing number? A: Each bank has an individual ID or routing number. Kish Bank’s routing number is 031310552.

Q: How do I purchase a cashier's check or money order? A: Visit any Kish Bank branch to purchase. (A fee may apply.)

Q: How do I purchase a savings bond? A: The method to purchase savings bonds has recently changed. Beginning January 1, 2012, all in-branch methods of purchasing bonds were discontinued by the government. Individuals can now visit to purchase savings bonds.

Q: How do I order foreign currency? A: If you wish to order a small amount of Euros or Canadian Dollars, you can visit a Kish Bank branch for immediate service. However, if you need another type of foreign currency or a large denomination, we will do our best to fulfill your order quickly and efficiently.

Q: How do I get a copy of a cancelled check? A: Copies of cancelled checks can be ordered by visiting or calling any Kish Bank branch. (A fee may apply.)

Q: How do I renew a CD? A: CDs can be renewed by visiting any Kish Bank branch. Most Kish Bank CDs will automatically renew based on the terms and conditions presented at the time of account opening.

Q: How do I rent a safe deposit box? A: A Kish Bank associate will be happy to open a safe deposit box for you. Simply visit any Kish Bank branch for sizes and availability.

Q: What is FDIC Insurance? Are my deposits FDIC insured? A: Kish Bank is a Federal Deposit Insurance Corporation (FDIC) bank, meaning that customers are granted the safety of the funds in their deposit accounts in accordance to FDIC standards. The U.S. government has limits in place, per financial institution. If you have questions regarding the protection of your funds, please visit any Kish Bank branch or use the Electronic Deposit Insurance Estimator (EDIE) provided by the FDIC.

Q: What should I do if my check, checkbook, or debit card is lost or stolen? A: If an unfortunate instance arises and you have lost or had your banking items stolen, please call 1-800-981-5474 as soon as possible. If you wish to report a lost or stolen debit card after banking hours, please call 1-888-333-5474 and follow the appropriate prompts.

Deposits, Withdrawals, and Transfers

Q: What are the stipulations surrounding the availability of funds that have been deposited? A: Kish Bank provides immediate availability of funds that are deposited. If a hold is necessary, you will be given a hold notice at the time of the deposit.

Q: Can I mail a deposit? A: Yes. You may mail a deposit, with a deposit ticket, to the following address:

Kish Bank
4255 E. Main Street
Belleville, PA 17004

Q: How do I set up a direct deposit? A: Direct deposit is a convenient and secure way to receive your money the same day you are paid. Contact the company (often your employer) that initiates the direct deposit and provide them with your Kish Bank routing and account number. Sometimes, companies also request a copy of a voided check.

Q: How do I place a stop payment on a check? A: To place a stop payment, you can either call or visit a Kish Bank branch. If you are a Kish Bank OnLine Banking customer, you can process the stop payment using OnLine Banking. (There may be a fee for this service.)

Q: What is the cut-off time for a transaction to be posted on the same business day? A: If you complete a transaction at a branch, the transaction will be posted the same business day by 5 p.m. Monday through Thursday or by 6 p.m. on Friday. Any transactions completed on Saturday will be processed with Monday's business date. Transactions processed via ATMs will be accepted on the same business day if made prior to 7 p.m.

Q: How do I transfer funds? A: Funds can be transferred from one eligible Kish Bank account to another by calling or visiting a Kish Bank branch. Transfers can also be completed through OnLine Banking, Mobile Banking, or Telephone Banking.

Q: Can I transfer funds from my checking or savings account to make a Kish Bank loan payment? A: Yes, you may transfer funds from a checking or savings account to make a Kish Bank loan payment. If you have a Kish Bank loan and are enrolled in Kish Bank OnLine Banking, Kish Bank will automatically be listed as a payee within the Bill Payment area of OnLine Banking.

Q: How do I set up automatic transfers? A: Automatic transfers can be initiated at any Kish Bank branch, or you can set up recurring transfers through your OnLine Banking account.

Q: Can I transfer funds to a foreign country? A: Yes. To send money outside of the United States, a foreign wire must be initiated. Any of our Kish Bank branches will be able to assist you with the completion of an International Wire Request Form. (A fee may be assessed for this service.)

Q: How do I send or receive a wire transfer? A: To send or receive a wire, you will need to provide specific instructions. If you need assistance with the details of those instructions, please contact your local Kish Bank branch for additional details. Kish Bank is able to send wires to other financial institutions, both domestic and international. (A fee may be assessed for this service.)

Statements and E-Statements

Q: How do I get a copy of my monthly statement? A: If you no longer have access to the original statement that was sent to you, contact a Kish Bank branch and we will give you a copy of the statement you are missing.

Q: Is it possible to include all my accounts on one statement? A: Yes, Kish Bank offers a service called Combined Statements in which all of your accounts are able to be combined onto one convenient monthly statement. To enroll in Combined Statements, please call or visit a Kish Bank branch.

Q: What are E-Statements? A: E-Statements are a way to receive your account statements electronically through OnLine Banking instead of being sent a paper statement in the mail. To learn more about E-Statements, click here.

Q: How do I sign up to begin receiving E-Statements? A: To sign up for E-Statements, log into your OnLine Banking account and change the statement delivery method from “paper” to “online.” The first statement cycle after you enroll, you will receive both a paper and an electronic version of your account statement. After that, you will receive only E-Statements.

Q: Are E-Statements secure? A: Yes, E-Statements are secure and convenient! You have the option to print and/or save the E-Statements to your computer. Use the same caution with protecting copies of your E-Statements as you would your paper statements.

Q: Is there a charge to receive E-Statements? A: There is no charge to receive your statements electronically.

Q: How do I receive and view my E-Statements? A: You will be sent an email notification when your statements are available to view. Then, you can log into your OnLine Banking account and visit the “statements” section to view your available E-Statements. (In order to assist with account security, statements are not emailed directly to you.)

Q: How long will I be able to access my E-Statements? A: E-Statements can be accessed for 18 months.

Q: Can I receive both paper and electronic versions of my statements? A: No. Only one statement delivery method can be selected.

Q: What will my E-Statement look like? A: E-Statements look identical to the paper statements you receive in the mail.

Q: How can I switch back to paper statements? A: If you decide to switch back to paper statements, you can do so by calling a Kish Bank branch, or by logging into OnLine Banking and changing your statement delivery method—the same as you did when you enrolled.

Kish Check/ATM Cards

Q: What is the Kish Check Card? A: A Kish Check Card is like an electronic check. It accesses the funds in your checking account, and can be used anywhere MasterCard® is accepted. The Kish Check Card is a more convenient way to make purchases, as opposed to writing checks. Your Check Card can also be used at ATMs to access your checking account.

Q: What is a Kish ATM Card? A: A Kish ATM card can be used at any ATM on the STAR network to access your checking or savings accounts.

Q: Does the MasterCard® logo mean that the Kish Check Card is a credit card? A: No, the Kish Check Card does not work like a credit card. Instead of receiving a monthly bill, funds are directly withdrawn from your checking account when you use the card. The MasterCard® logo is printed on the card because the card can be used anywhere MasterCard is accepted.

Q: Does the Kish Check/ATM Card have an annual fee or any transaction fees? A: There is no annual fee to have a Kish Check or ATM Card. Transaction fees are dependent on the type of account you have. If you need further details on any possible fees for using your Kish Check or ATM Card, please contact Kish Bank or view the Account Services and Fees disclosure.

Q: How do I activate my Kish Check/ATM Card? A: To activate your Kish Check/ATM Card, call 1-888-333-5474, dial option 7 for Card Services, and then dial option 1 to activate you card. If this is a new card (not a replacement of an expiring card), you will also need to provide the PIN that was mailed to you separately.

Q: What accounts can I access with my Kish Check/ATM Card? A: Checking and savings accounts can be accessed using your Kish Check/ATM Card.

Q: How do I keep track of the purchases I make with my Kish Check/ATM Card? A: It is important that you keep track of any card transactions, just as you would track any checks written. Write down your transactions on your check register at the time of the transaction.

Q: Does the Kish Check/ATM Card have any purchases or cash withdrawal limits? A: Each type of Kish Bank account has varying daily limits for purchase and cash withdrawals. If you have questions on your limits or need to have them temporarily increased, please call your local Kish Bank branch.

Q: What happens if I return an item that was purchased with my Kish Check Card? A: Each store may have different rules on returning items that were purchased with a Kish Check Card, however, the most common method is that if the item was purchased using a PIN, you will receive cash back when you make the return. If the item was purchased and you signed the receipt (as a credit transaction), then you will receive a refund to your checking account in the timeframe established by the merchant.

Q: What should I do if I think there is an error on a transaction made with my Kish Check/ATM Card? A: The first step to take if you identify a possible error is to contact the merchant or place that withdrew the money. If they are unable to make the correction, then please stop by your local Kish Bank branch in order to take next steps towards resolution.

Q: What should I do if my Kish Bank Check/ATM card is lost or stolen? A: It is very important that you alert Kish Bank of a lost or stolen card as soon as you discover the card is missing. If it is during normal banking hours, call your local Kish Bank office. If it is during non-banking hours and you have the card number documented, call 1-888-333-5474, and then dial option 7 and then 2 to report the card lost or stolen. If it is during non-banking hours you do not have the card number, please call 1-800-236-2442.

Q: What is the fee to use a non-Kish ATM? A: If you use a non-Kish Bank ATM to perform a transaction, there may be a $2.00 fee per transaction from Kish Bank. Most Kish Bank checking accounts allow a certain number of free non-Kish ATM transactions per month. Click here to view checking account information. The other bank may also charge a fee for using their ATM.

Q: What should I do to replace a lost, stolen, or damaged Kish Check/ATM Card? A: If you need to replace a Kish Check/ATM Card, please stop by any local Kish Bank branch to sign an application for replacement.

Q: Can I use my Kish Check/ATM Card outside of the United States? A: Yes, Kish Check/ATM Cards can be used worldwide, as long as the terminal you are using supports the use of our card types. If you will be traveling, be sure to call Kish Bank so we can note that you may be using your card in uncharacteristic locations to avoid having your card flagged as having potentially fraudulent transactions.

Q: My Kish Check/ATM Card is going to expire soon. Do I need to do anything? A: If the expiration date of your card is nearing, you will automatically be issued a new card with the same card number and PIN that is associated to your existing card. You should receive your new card approximately 2–3 weeks prior to the expiration date. When your new card is received, you will be required to activate it by following the instructions that come with your new card.

Q: How do I obtain a Personal Identification (PIN) or change my existing PIN? A: If you wish to change your PIN, call 1-888-333-5474, dial option 7, and then dial option 3. You will be prompted to enter the existing PIN and then the new PIN. If you have misplaced or forgotten your PIN, please contact any Kish Bank branch and a new PIN can be issued.

Overdrafts and Overdraft Protection

Q: What is an overdraft? A: An overdraft is when money is withdrawn from an account and causes the balance to go below $0.00.  You can learn more about overdrafts and how to avoid overdraft fees with Checking Navigator, a free online program offered through Kish Bank.

Q: What is overdraft protection? A: An Overdraft Protection Plan prevents an overdraft from occurring by automatically transferring available funds from another account owned by the same person. Alternatively, Kish Bank may pay overdrafts up to an assigned overdraft limit (based on account type) for personal checking account customers enrolled in the Kish Courtesy Overdraft Program. The Kish Courtesy Overdraft Program is a discretionary overdraft coverage service and may be revoked at any time. Visit our Overdraft Protection page for more information about overdraft options at Kish Bank.

Q: Which accounts are eligible for overdraft protection? A: All Kish Bank checking accounts have overdraft protection options. Discuss which option will best suit your needs with any Kish Bank Personal Banker.

Q: Do you always authorize and pay overdrafts on my account? A: Overdrafts are authorized and paid at the Bank’s discretion based on the type of overdraft protection you have established. We do not guarantee that we will always authorize and pay any type of transaction.

Q: Why don’t you authorize or pay overdrafts on my ATM or everyday Check Card transactions? A: If you have not opted-in to the extended overdraft protection option, ATM and everyday Check Card transactions are not permitted if they will cause an account to go below $0.00.

Q: Why would I want to give you permission (opt-in) to authorize and pay overdrafts for my ATM or everyday Check Card transactions? A: By opting-in to the extended overdraft protection program, Kish Bank will cover one-time ATM or Check Card transactions in the event that you do not have enough money in your account to complete the transaction. This may be beneficial should an emergency arise and you must pay for something, but do not have that full balance in your account at that time. If you do not opt-in and you have insufficient funds in your account to complete the transaction, that card transaction would be denied.

Q: Are there fees for using overdraft protection? A: Fees for using overdraft protection vary based on the type of account and the type of overdraft protection in which you are currently enrolled. To view the different options and the fees associated with each, please visit our Overdraft Protection page.

More information about Kish Bank's overdraft options can be found on our Overdraft Protection page.

OnLine Banking and Bill Payment

Q: What kind of information do I need to provide during the OnLine Banking enrollment process? A: To enroll in OnLine Banking and have immediate access to your accounts, you can provide any of the following information:

  • The card number and PIN of your Kish Check/ATM Card.

  • Your checking, savings, or money market account number and last statement balance.

  • Your loan account number, the last payment account, and original principal amount.

If you select one of these following options, you will receive additional information via postal mail to complete your enrollment:

  • Line of credit account number

  • Certificate of Deposit account number

If you need assistance with any of this information, please contact your local Kish Bank branch.

Q: I just opened a new account, but I don’t see it online. What should I do? A: If you open a new account with Kish Bank, it should be available to view the following day through your pre-established OnLine Banking account. If you still do not have access, please contact your local Kish Bank branch.

Q: What accounts can I use to pay bills online? A: Kish Bank checking and savings accounts are eligible to be used for paying bills. You can choose which account you would like to be the default account for bill payments through the “Customize Your Accounts” link after you have enrolled in Bill Payment.

Q: Is it safe to bank and pay bills online? A: Yes. Kish Bank utilizes the highest level of security available for all online transactions. It is important that you also protect yourself and your personal information (see Security & Privacy section of FAQs).

Q: What accounts can I access with OnLine Banking? A: You can access any account in which you are an established owner.

Q: Is there a charge to use OnLine Banking or Bill Payment? A: There is no charge to use OnLine Banking or to pay bills online.

Q: How many months of transaction history are available? A: There are 6 months of transaction history available from the time of enrollment in OnLine Banking.

Q: Can I download account information from OnLine Banking into personal financial management software? A: Yes. Kish Bank’s OnLine Banking system integrates with financial software such as Quicken®.

Q: If multiple people are on the same account, can those users access each other’s accounts? A: If a joint account is opened, each person on the account would have the ability to establish their own OnLine Banking account and access the joint account online.

Q: Will I see a check number on my account details for bills paid through OnLine Bill Payment? A: If you have paid a bill through OnLine Bill Payment, the details of the transaction will show in the Bill Payment system, including the number of the check.

More questions about OnLine Banking and Bill Payment can be found here.

Kish Rewards

Q: What is the Kish Rewards program? A: Kish Rewards is an exclusive feature of the Priority Club, where rewards points are earned by simply being a member and completing everyday transactions. Kish Rewards Points may be redeemed for charitable contributions, Kish Travel services, safe deposit box rentals, loan fees, and special offers.

Q: How do I enroll in the Kish Rewards program? A: You are automatically enrolled in the Kish Rewards program when you open a Priority Club checking account.

Q: How much does it cost to participate in the Kish Rewards program? A: There is no cost to participate in the Kish Rewards program. The Kish Rewards program is one of the many free benefits of the Priority Club.

Q: How do I earn Kish Rewards Points? A: Priority Club members earn Kish Rewards Points based on deposit balances, check card purchases, online bill payments, opened loan and travel services, and more. For detailed information on point allocations, click here.

Q: Is there a limit to the number of Kish Rewards Points I can earn? A: No, there is no limit to the number of points you can earn.

Q: How do I track my Rewards Points? A: You will receive a quarterly Kish Rewards statement with your account activity and current point balance. Between statements, you may request your current point balance by visiting any Kish Bank location, calling your local branch, or calling us toll free at 1-888-554-4748.

Q: How do I redeem or donate Kish Rewards Points? A: To redeem your points, visit any Kish Bank location, call your local branch, or call us toll free at 1-888-554-4748.

Q: What charitable organizations can I donate to? A: For a complete list of charitable organizations, please click here.

Q: Can I combine my points with someone else’s points for redemption purposes? A: No, Kish Rewards Points from more than one Priority Club membership cannot be transferred or combined for redemption purposes.

Security and Privacy

Q: How can I find out more about Kish Bank’s privacy policy? A: Kish Bank understands the importance of keeping your information private and secure. To read Kish Bank’s privacy policy, please click here.

Q: How can I change my privacy preferences or opt-out of marketing messages? A: If you’d like to discuss your privacy options, please call any Kish Bank location.

Q: How can I protect myself from fraud and identity theft? A: Kish Bank makes every attempt to keep your accounts and confidential information safe; you can take a few steps as well:

  • Never disclosure your financial information

  • Report lost or stolen checks and debit cards immediately

  • Notify Kish Bank of suspicious phone inquiries

  • Closely guard your ATM personal identification number and receipts

  • Shred any financial mailings

  • If regular Bank notifications fail to be delivered, call us immediately

  • Periodically contact major credit reporting companies to review your file

Q: How can I protect myself when banking and paying bills online? A: With the growth in popularity of online banking has come an increase in cyber-related crimes. In order to keep your online accounts safe and secure, here are a few tips:

  • When choosing passwords, only choose those that are considered "strong," are not easily guessed, and combine numbers, letters, and symbols

  • Ensure that you always have the most up-to-date antivirus software

  • Never send secure and sensitive information via email

  • Always log off when you are exiting OnLine Banking

  • Do not respond to or open suspicious emails

  • Regularly monitor your accounts and if you see any potential fraud, let us know immediately

Gift Cards

Q: Where can I purchase prepaid MasterCard® gift cards? A: Prepaid gift cards are currently available for purchase at these Kish Bank branches: Lewistown – Electric Avenue, Lewistown – South Main Street, State College – North Atherton, and Huntingdon. The cards must be purchased using cash and/or collected funds.

Q: Are there minimum or maximum amounts that can be added to the card? A: Yes—the gift card minimum load is $10 and the maximum is $750.

Q: Are there fees associated with the card? A: The cost to purchase a gift card is $3.00. There are no monthly fees unless the card is inactive for 12 months. Beginning with the 13th month, a monthly $4.95 Service Fee will be assessed against the balance of the card.

Q: Where can the card be used? A: The card may be used to purchase goods or services wherever MasterCard® debit cards are accepted.

Q: Is a PIN (personal identification number) provided with the card to obtain cash? A: A PIN is not issued with the prepaid card, as all transactions are signature-based. The card cannot be used to obtain cash from an ATM, POS (point of sale) device, or by any other means.

Q: Can the card be reloaded? A: No, additional funds may not be added to the card.

Q: Can the card be replaced if lost? A: If lost, the card will be cancelled and a new card will be issued. A fee of $8.00 will be charged to replace the card.

Q: When returning an item that was purchased using the card, can a refund be issued? A: Yes, if you are entitled to a refund for any reason for goods or services obtained with the card, the credit can be processed back to the card.

Q: Does the card have an expiration date? A: The card will expire no sooner than five years from the date of the purchase. The funds on the card do not expire. If funds remain on the card past the expiration date, a new card is issued with the remaining amount added to the new card.

Q: How do customers check their available balance? A: The available balance can be accessed online at or by calling 1-855-887-1836. Statements are available in electronic format free of charge at during each month in which a transaction occurs. You may choose to have a paper statement mailed by calling 1-855-887-1836. This will be a one-time statement and you must call each time for a paper statement request.

Loan FAQs

Q: Is the interest rate fixed or variable? A: Kish Bank offers both variable and fixed rates on our home equity products. Your Kish Bank lender can help determine the best option for your needs.

Q: Is the interest tax deductible? A: Kish Bank provides a year-end interest statement that can be provided to your tax preparer to determine deductibility.

Q: How can I access my home equity line of credit? A: Your Kish Bank Line of Credit can be accessed through your Kish OnLine Banking account, special line of credit checks, or by visiting your local Kish Bank branch.

Q: How do I sign up to make automatic payments? A: Simply visit your Kish Bank branch and complete the authorization form to have your monthly payment automatically deducted from your Kish Bank checking or savings account.

Q: Do I have to own a home to get a home equity line of credit or home equity loan? A: Yes, to quality for one of Kish Bank home equity products, you need to be a homeowner.

Q: What are the terms and repayment periods available? A: Kish Bank offers repayment options with terms up to 180 months.

Q: Am I eligible for a relationship discount? A: Yes, we offer a discount for your monthly payment being automatically deducted from a Kish Bank checking or savings account.

Q: As principal payments are made to my line of credit, do funds become immediately available for use on the line of credit portion? A: Yes.

Q: How can I apply for a loan or line of credit secured by my house? A: Kish Bank makes it easy—simply contact any of our lenders.

Mortgage FAQs

Q: What will I need for my mortgage application appointment? A: If you are ready to officially apply, we can provide you with our mortgage application checklist that outlines everything you can bring with you to the appointment. It includes such things as your W2s, tax returns, pay stubs, bank statements, and insurance information.

Q: Will my mortgage be serviced by Kish Bank? A: We have several mortgage options including some that are serviced by Kish Bank and some that are “service released,” which means that the mortgage will be sold to another lender.

Q: What does it cost to apply for a mortgage loan? A: We do not have an application fee; however, we will ask that you pay for the appraisal as soon as it can be ordered. We can give you an estimate of the closing costs that will be due at closing.

Q: Can I have my mortgage payment made automatically each month? A: You can have your mortgage payment automatically deducted from a Kish Bank account if you choose one of the “service retained” mortgage products.

Q: When are my payments due? A: All conventional mortgages are due on the first day of each month.

Q: Do I have a "grace period"? A: There is a “grace period” of 15 days after the due date before a late fee is assessed.

Q: Can I make principal only payments to my loan through OnLine Banking? A: Yes, we offer that option through Kish Bank OnLine Banking.

Q: Do I have to have an escrow account? A: We have mortgage products that do not require escrow, but we do offer it for real estate taxes and homeowner’s insurance.

Q: Why did my payment change? A: If you do not have a fixed rate mortgage, your payment could change according to the type of mortgage and the details of the documents. Your total payment might also change if you have escrow, and through analysis, it has been determined that you need to pay more each month to cover the taxes and insurance.

Q: Can my mortgage company provide me with information concerning why there were changes in my tax payments, special assessments, or insurance premiums? A: Yes, you will receive a monthly statement for your mortgage. You should also receive written notification of any changes to your account including changes in the taxes and insurance that is escrowed.

Q: What should I do if I receive a tax bill? A: If you have an escrow account, you should contact the lender to verify that they have received the bill so that they can pay it. If you do not have escrow, you should pay the bill.

Q: What should I do if I receive an insurance renewal notice and a bill requesting payment? A: If you have escrow, you should check with the lender to make sure they have received the bill and renewal info.

Q: If there is a shortage in my escrow account, what should I do? A: If there is a shortage in your escrow account, you will be given the opportunity to pay it separately so that it minimizes the increase in your monthly escrow payment. If you do not wish to pay the shortage separately, the amount will be divided by 12 months and you will pay it over the following year.

Q: My payment is deducted from my checking account each month. If my payment changed, do I need to do anything to adjust the payment amount currently being deducted? A: You should not need to do anything to change it. It will happen automatically.

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