Business Banking FAQs
When are deposits available for withdrawal?
The availability of funds depends on the type of deposit you make. Please check our Funds Availability Policy for additional information
What is a wire transfer?
Wire transfers allow you to transfer funds domestically or internationally to other financial institutions for deposit to your account or someone elses.
What information do I need to complete a wire transfer?
• Full name of the person receiving the wired funds
• Address of the person receiving the wired funds
• Dollar amount of the wire Routing/ABA number of the receiving bank
• Account number that will receive the funds
How do I request a wire transfer?
Visit any office to request a wire transfer or businesses can authorize wire transfers through our Cash Management solution.
What is Dart Bank’s ABA/routing number?
Dart Bank’s routing number is 072410903.
What is Remote Deposit Capture?
Remote Deposit Capture is a convenient way to make deposits, consisting of checks, from your office location. Safe time and take advantage of making deposits when you want, even if the bank is closed. Make more frequent deposits and take advantage of better cash flow as a result.
Where are the ABA routing and account numbers on my checks?
To set up direct deposit or automatic payment, to send or receive a wire transfer, or to reorder checks, you will need Dart Bank’s ABA number and your account number. The image below shows the location of the ABA check routing number and account number.
Are my deposit accounts FDIC insured?
FDIC insurance covers individual customer accounts up to $250,000. For information on coverage available, please visit the official FDIC website at www.fdic.gov
My Debit card was lost or stolen. Now what?
In order to protect yourself from possible fraud, please take the following actions:
1. To report a lost or stolen ATM or Debit Card, 24 hours a day, 7 days a week, please call 1-866-546-8273. If during regular business hours you can call (517)676-3661.
2. We will place an immediate restriction on the card so it cannot be used and we will also order you a new card. ATM cards are available at your local branch and can be issued and activated during your visit. A fee may be charged for this service.
3. Review your recent transactions to ensure no fraudulent activity has occurred. It may be necessary to file a fraud dispute.
Can I view my account information at any time?
With online and mobile banking, you can view your account information 24 hours a day, seven days a week wherever you have Internet access.
What is online banking?
Online banking lets you view your account and consolidate and pay your bills in one place. With Dart Bank’s online banking, you can:
• View account details and balances for your checking, savings, CD, money market, IRA, and selected loan accounts online
• Transfer funds between your Dart Bank accounts or from other financial institutions and make person to person payments.
• Organize all your bills in one place
• Pay multiple bills quickly from the same screen
• Receive email notices when your ebills arrive
• View 12 months of statements
• View check images
Can I get information about my account by telephone?
DARTdirect is our free 24-hour Telephone banking to obtain information regarding your account. You have access 24 hours a day, 365 days per year. By calling (517) 676-1129, you can:
• Get your account balance
• Review checks paid
• Check debits and credits
• Transfer funds
What is an ACH and how does it benefit me?
An ACH (Automated Clearing House) transaction is a highly reliable and efficient electronic funds transfer system from your checking or savings account at another financial institution to your Dart Bank account or from your Dart Bank account to an account at another financial institution. Some of your regular household bills (for example, your auto insurance bill) can be set up as ACH withdrawals as well. ACH transactions are a quick, easy way to transfer funds into your account without sending a check
Can I use my ATM/Debit card outside of the U.S.?
You can use your ATM/Debit card in most countries outside of the U.S. where VISA is accepted. However, before you travel please inform us of the potential use of your card internationally, as this feature needs to be activated, based on the countries you are going to. You can reach Dart Bank Customer Service at (517) 676-3661 during regular business hours.
What is a CVV code?
The CVV is a three-digit number located on the back of your card in the signature line. You may be asked to provide your CVV or security code when making a telephone or online purchase. Merchants may ask for this code to protect against unauthorized purchasers using your card number without the card.
LOAN QUESTIONS
Where should I send my loan payment if I do not have a coupon or bill?
Payments without a coupon or statement should be mailed to:
Dart Bank
P.O. Box 40
Mason, MI 48854
*Please include your loan number on the check
LOANPAY EXPRESS
What is LOANPAY EXPRESS and how does it work?
LOANPAY EXPRESS allows you to make your loan payment via credit or debit card, or from a deposit account from another institution. You can access this from our website by choosing the red “make payment” button. There is a cost associated with this service.
How do I make a one-time payment on the LOANPAY EXPRESS website?
Once you sign in, the website will walk you through entering your loan number, setting up a password, and validating with the last four digits of the primary loan holder’s social security number. After selecting your method and date, you have the option of making a one-time payment, or monthly. Specific posting hours and dates along with the pricing are located on the LOANPAY EXPRESS site.
Can I set up a recurring payment?
Once you sign in, the website will walk you through entering your loan number, setting up a password, and validating with the last four digits of the primary loan holder’s social security number. After selecting your method and date, you have the option of making a one-time payment, or monthly. Specific posting hours and dates along with the pricing are located on the LOANPAY EXPRESS site.
Do I need to update LOANPAY EXPRESS if my monthly payment changes?
If you set your payment up as a monthly recurring event, you will need to update that amount if your payment amount changes due to a rate change on an adjustable rate product, or an escrow analysis payment change, modification, etc.
TAXES
Do I need to send you my tax bill?
Dart Bank’s tax servicing company obtains all tax bills for payment. If you were to receive a delinquent or supplemental tax bill, you may email to operationsrequests@dartbank.com , fax to 517-676-6759, or mail to Dart Bank P.O. Box 40 Mason MI 48854.
If I have any other questions about my taxes, who do I contact?
Contact the Loan Servicing Department at 517-676-3661 ext. 4491
INSURANCE
I have questions regarding my insurance and need to speak with someone.
Please call Loan Servicing at 517-676-3661 ext. 4491 Monday-Friday 8:30 a.m. – 5 p.m. ET to discuss your insurance or determine why you are receiving notices from your insurance company.
I have received an insurance bill or cancellation notice and I have an escrow account with Dart Bank. What should I do?
Please call Loan Servicing at 517-676-3661 ext. 4491 Monday-Friday 8:30 a.m. – 5 p.m. ET to discuss your insurance or determine why you are receiving notices from your insurance company.
I have changed insurance companies. Where do I mail my updated insurance information?
You or your agent may fax the new insurance policy to us at 517-676-6759, email to operationsrequests@dartbank.com, or mail to Dart Bank P.O. Box 40 Mason, MI 48854. Please include your loan number, indicate what company and agent you are changing to, and that you authorize us to accept the new coverage.