Frequently Asked Questions

DEBIT CARDS Q&A
What should I do if my debit card is lost or stolen?

Immediately freeze your debit card 24/7 by calling 800-500-1044. To request a new card contact our Customer Care Center at 1-855-972-2265 or by visiting your local branch.

How do I activate my new debit card?

Call 866-633-5293 or if you are out of the country 1-770-248-5774 to activate your new debit card and create a PIN number. For security reasons, the call must be made from the phone number on record with the bank.

How do I change my PIN number to my debit card?

Call 866-633-5293 or if you are out of the country 1-770-248-5774 or visit any SouthCrest Bank ATM. You will be required to enter the current PIN number in order to change to a new PIN number

What if I have forgotten my PIN number?

Call 1-855-972-2265 to request that a PIN reminder be sent to you via mail.

How do I dispute a debit card transaction?

Visit a SouthCrest Bank in order to file a dispute on a debit card transaction. Click here to find the one nearest you.

Is there a limit to the amount of transactions allowed using my debit card?

Yes, there is a limit of $1,000.00 per debit card allowed per day (24 hours). This limit is in place to help limit your potential losses should your card be lost or stolen. However, you may request a waiver for a day during which you'll be making special purchases that will exceed this amount, just call 1-855-972-2265.

Is my card monitored for unusual purchases?

Yes, we use real time fraud monitoring for your peace of mind. If there is a transaction that is unusual for your purchasing patterns, you may get a SMS (phone text) message or a call from the bank asking if that particular purchase was authorized. So, it is very important to keep your phone number information updated with the bank so we can contact you regarding an unusual transaction.

Know we will NEVER contact you by text or phone and ask for your full card number or your PIN. We will only ask if a particular transaction was authorized, and you simply respond, "Yes" or "No". If you ever receive a call asking for your full card number or PIN, just hang up and call us at 1-855-972-2265.

What are the advantages of using my SouthCrest Bank MasterCard® debit card?

A debit card is safer than carrying cash, less expensive than checks, and is so very convenient. It allows you to make quick purchases and the amount is directly debited from your checking account. In addition, our SouthCrest Bank MasterCard® debit cards have enhanced benefits including extended warranties, price protection and satisfaction guarantee. Call 1-800-622-7747 for full benefit details.

E-STATEMENTS Q&A
How long does it take to receive my statements through E-Statements vs. by mail?

E-Statements are available one day after your statement cycle. Mailed statements take approximately 5 to 7 days.

Is E-Statements a secure way to send my information?

Yes, your statements are protected by the same secure technology that protects your online banking information. Also E-Statements reduces mail fraud and identity theft by stopping your paper statements.

The website is not accepting my password or challenge question answer while trying to retrieve my bank statement via E-Statements, it says that my information is incorrect. How can I reset my password or challenge question for e delivery service?

Click on “Forgot My Password?” or “Forgot Your Security Question Answer?” and it will prompt you to enter your account and personal information to verify account ownership. Next you will be asked what you would like to do. Select “update your enrolled accounts.” Next, it will prompt you to delete the old password, enter a new password, and change your security question and/or answer. Check the box to update your enrollment. An email stating that your enrollment has been updated for verification reasons will be sent to you.

Can I have a copy of my statement sent to an additional address, another joint account holder, accountant, etc.?

Yes, you may have as many as five email addresses that statements will go to monthly.

Can I print off the checks from the statement?

Yes, you can search for a particular check number, dollar amount, date range or all checks for a particular statement to print. It will only allow 50 front or 25 front/back prints at a time.

If I have deleted the email of the Statement. PDF for previous months, how can I go back to those statements?

Go to your latest statement and click on the View Previous Statements tab to choose a past statement from the drop down display.

Why do I not see all of my accounts when I go to enroll?

To update your account you must be the primary holder. Business accounts are enrolled under the last four digits of the business tax ID number.

ONLINE BANKING Q&A

Online Banking Customer Service: 1-855-972-2265

How do I sign up for Online Banking?
What accounts can I access through Online Banking?

SouthCrest Bank checking, savings, money market and loan accounts can be accessed.

Do I have to pay a fee to use Online Banking?

Online Banking & Online Bill Pay are available free to any SouthCrest Bank customer.

What if I forget my username or password?

Call the Online Banking Customer Service number at 1-855-972-2265.

Can I change my Online Banking password?

Yes. Login to Online Banking, click the “Administration” tab, and follow the prompts to change your password.

Can I pay my loan using Online Banking?

Yes, you can transfer funds to make a payment on a SouthCrest Bank loan using Online Banking.

Why am I sometimes prompted for a security code when I sign in to Online Banking?

The security code adds another layer of protection to your personal information. Periodically, Online Banking will request that you enter a one-time code sent to your mobile phone to validate that you are an authorized user. This extra security measure is often triggered when you log in from an unusual place and/or when you've deleted your browsing cache on your usual device.

How do I sign up for Online Bill Pay?

Online Bill Pay is part of of your Online Banking services. Login to your Online Banking account and select 'Bill Payment'.

Is there a fee for Online Banking and Bill Pay?

Online Banking and Online Bill Pay are free to all SouthCrest Bank customers.

Is Online Banking compatible with Quicken and Quick Books?

Yes, you can download your transactions and import into those programs. Sign into Online Banking, select 'Accounts', then 'Download Account Transactions', and follow the prompts.

Can I receive text or email alerts from Online Banking?

Yes, SouthCrest does allow email and text alerts. To set-up alerts, login to Online Banking and select 'Administration.' Next, click the link to 'Alerts' and choose the alerts you would like to receive on your accounts.

MOBILE BANKING Q&A
What is Mobile Banking?

Mobile banking gives you access to your accounts from your mobile device's (phone, tablet, etc.) web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you may have the option to deposit checks.

How much does Mobile Banking cost?

There is currently no charge associated with the service through SouthCrest Bank. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.

How do I access Mobile Banking on my phone's browser?

If you have an Android or Apple device, simply download the app from your device's app store. Download for Android, Download for Apple devices

If you do not have a smart phone or device, but do have a data plan, access SouthCrest Bank by going to http://www.southcrestmobile.com through your phone's internet browser.

How do I sign up for Mobile Banking?

As a SouthCrest Bank customer, you are automatically enrolled in Mobile Banking after you have enrolled in Online Banking.

Is Mobile Banking secure?

Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us at 1-855-972-2265.

Do I need a text message or data plan to use Mobile Banking?

Yes, a text and data plan is needed if you are using account alerts. If you are not using alerts, a data plan will be needed to access your account through mobile.

I'm not enrolled for Online Banking. Can I still use Mobile Banking?

You need to be enrolled in Online Banking to use Mobile Banking. Mobile-only enrollment is not offered at this time.

What is Security Authentication?

SouthCrest takes many measures to help secure your mobile banking experience. From time to time, you may be prompted to enter further security information such as a code provided by a phone call or text. Additionally, you may be requested to answer other security questions. This is normal and is part of our security process.

Is Mobile Banking supported on my device?

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone and Android. For the mobile browser, visit www.southcrestmobile.com. If you have an Android or Apple device, download the app from your device's app store. Download for Android devices, Download for Apple devices.

How do I download my mobile banking application?

For iPhone | download app

  • Make sure your phone or device uses the latest supported operating system.
  • Open the App Store icon
  • Open Search and search for "SouthCrest Bank"
  • Select "SouthCrest Mobile"
  • Select "Free" and then "Install"
  • Enter your iTunes® or Apple ID password
  • Accept user agreements or policies if they are presented by Apple
  • Select the SouthCrest Mobile Deposit app icon on your mobile desktop
  • Log in using the User ID and password you created during enrollment

For Android | download app

  • Make sure your phone or device uses the latest supported operating system.
  • From the main menu, select "Play" and then "All apps"
  • Open "Search" and search for "SouthCrest Bank"
  • Select "SouthCrest Mobile"
  • Select "Free" and then "OK"
  • After application is downloaded, select "Open"
  • Accept end user agreement
  • Log in using the User ID and password you created during enrollment

For Kindle Fire | download app

  • Navigate to the Amazon Appstore and select Kindle Fire Apps
  • Search for "SouthCrest Bank"
  • Select "Install" to download the Kindle Fire mobile app
  • Log in using the User ID and password you created during enrollment
What can I do in the mobile app?
  • Check your account balances
  • Transfer funds between accounts
  • Pay your bills
  • Deposit checks
  • View transaction history
  • Receive account alerts
  • Access E-Statements
  • Transfer funds to external accounts
  • Login using your fingerprint (fingerprint enabled devices only)
  • Find the nearest locations for branches and ATMs
  • Pay your mortgage or loan
  • Explore the app for more great features
Can I see a sample of the new app before downloading it?
MOBILE DEPOSIT Q&A
What is Mobile Deposit?

With SouthCrest Mobile Deposit, you can securely deposit checks using your smartphone or tablet, skip the trip to the branch, and make deposits anytime, anywhere.

How much does Mobile Deposit cost?

There are no monthly fees for the service. Your mobile carrier's data charges may apply.

Will Mobile Deposit work on my phone?

Mobile Deposit works on most iPhone® and Android™ smartphones.

How do I enroll in Mobile Deposit?

Log on to the mobile app, select the 'Deposit Checks' option and accept the terms. That's all you need to do to start making check deposits through your phone.

How do I make a Deposit once I have accepted the Terms and Conditions?

Click on the Check Deposit Option and follow the prompts. You will be required to take a picture of both the front and back of the check.

Do I have to endorse my check before I take the pictures?

Yes, all checks have to be endorsed with the words "FOR MOBILE DEPOSIT ONLY AT SOUTHCREST BANK" and your signature. (no account number required)

How do I know if my deposit has been accepted?

You will receive an e-mail from us either confirming the acceptance of your deposit or telling you that the deposit has been rejected and for what reason.

What do I do with the Original Check?

Keep the check in a secure location until it posts to your statement. Then you may securely destroy the check.

How do I install the app to my iPhone® or Android?

For iPhone | download app

  • Make sure your phone or device uses the latest supported operating system.
  • Open the App Store icon
  • Open Search and search for "SouthCrest Bank"
  • Select "SouthCrest Mobile"
  • Select "Free" and then "Install"
  • Enter your iTunes® or Apple ID password
  • Accept user agreements or policies if they are presented by Apple
  • Select the SouthCrest Mobile Deposit app icon on your mobile desktop
  • Log in using the User ID and password you created during enrollment

For Android | download app

  • Make sure your phone or device uses the latest supported operating system.
  • From the main menu, select "Play" and then "All apps"
  • Open "Search" and search for "SouthCrest Bank"
  • Select "SouthCrest Mobile"
  • Select "Free" and then "OK"
  • After application is downloaded, select "Open"
  • Accept end user agreement
  • Log in using the User ID and password you created during enrollment

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