FAQ

 


What is the bank routing number?
Country Bank Routing/ABA number is 122105993. 
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What are the bank office hours?
Please click here for our office hours. 
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Where are the Country Bank offices located?
Please click here for our locations. 
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How are withdrawals posted to my account?
All client-initiated withdrawals are posted to your account at the end of each business day in low to high dollar amount. 
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Do my ATM withdrawals, POS purchases and in-branch withdrawals come out of my account when they occur?
No. We post all withdrawals, including ATM, POS purchases and in-branch withdrawals, at the end of each business day in low to high dollar amount. 
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What can I do to avoid overdraft fees?
You can avoid overdraft fees by keeping sufficient funds in your account to cover any withdrawals you make. Recording electronic transactions in your register right away helps to keep your records as current as possible. Online banking and telephone banking are also available to monitor your account activity as frequently as you desire at no charge. When you receive your monthly statement, balance your account to make sure you recorded everything. As an added precaution, we do offer overdraft protection options if you would like to apply. 
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When will the funds be available when I deposit a non-cash deposit?
In most cases, our policy is to make funds available to you on the first business day after we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturday, Sunday, and federal holidays. If you make a deposit before close of business on a day that we are open, we will consider that day to be the day of your deposit. 
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Why is my available balance more or less than my current balance?
The available balance for your account may differ from the current balance because of pending transactions that have been presented against the account, but have not yet been processed. Once processed, the transactions are reflected in the current balance and show in the account history.
The available balance also includes credit available if you have a line of credit linked to your checking account. 
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Where is the account number located on my checks?
For personal accounts, the account number is the 8-digit number immediately following the routing number at the bottom of your check. Our bank routing number 122105993 is listed first followed by your 8-digit checking account number. 
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How can I change the address on my accounts?
You can change your address by visiting any of our offices to complete a Change of Address form. You can also send us a secure email through online banking or a letter that includes you account number(s) and signature to Country Bank 107 E. Willis St., Prescott, AZ 86301. 
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How can I order personal and/or business checks or deposit slips?
You can order checks online at www.countrybankaz.com, or you may visit any of our offices during office hours
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How can I place a stop payment?
You may call or stop by any of our offices. Certain fees may apply, please Click here to see our Fee Schedule
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How do I stop an auto-debit from my account?
If another financial institution or company, such as an insurance company or health club, is debiting your account, you will need to contact them directly to cancel the auto-debit.

If Country Bank is debiting your account for payment on a Country Bank loan or service, please mail a letter instructing us to cancel the auto-debit to: Country Bank 107 E. Willis St., Prescott, AZ 86301, or visit us at one of our offices
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How do I send a wire transfer?
Requests for an outgoing wire transfer must be originated in person at one of our offices during office hours. You will need to contact the receiving company/organization to obtain their wire instructions. There are fees to send wires both domestically and internationally. Please Click here to see our Fee Schedule
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What information do I need for an incoming wire transfer?
Bank information:
Country Bank
107 E. Willis St.
Prescott, AZ 86301
(928) 443-9595

ABA/Routing number: 122105993

You will need to provide your Country Bank account number to the company who will be wiring the funds to you. Remember: your account is the 8-digit number located at the bottom of your check following the ABA/Routing number.

Certain fees may apply, please Click here to see our Fee Schedule. For more information, please contact one of our offices.
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How do I change my name on my accounts?
To change your name on an existing account, you will need to complete a new signature card and provide verification of the legal change of name, which includes an updated social security card. You can do this by contacting or visiting one of our offices during office hours

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What does “electronified” check mean?
An electronified check means that the information from the paper check has been submitted to us electronically. The merchant or other financial institution guarantees that this is a true representation of the paper check and that they are submitting the electronic request in place of the paper check. They further guarantee that the paper check will not be submitted for payment. With an electronified check, Country Bank does not receive the paper check; therefore, we cannot supply you with an image of the check with your statement. 

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Do you offer Certificates of Deposit?
Yes, please click here
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Does Country Bank offer certified checks?
We provide Cashier’s Checks, which are guaranteed funds, for Country Bank clients. Certain fees may apply, please Click here to see our Fee Schedule
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Does Country Bank offer cashiers checks? If so, how can I get one?
Yes, we do offer Cashier’s Checks. You can request one at any of our offices. Certain fees may apply, please Click here to see our Fee Schedule
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Does County Bank have notary service available? When and where?
Notary service is usually available at any of our offices during office hours
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What is the safe deposit box availability?
Safe deposit box availability varies by office. It is best to check with the most convenient office to determine if the box size you would like is available.  
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How can a third party receive a payoff quote for my loan?
A third party can request a written payoff quote by faxing that request to (928) 777-0694. The request must include the client’s written authorization. Requests received prior to 3:00 p.m. will be faxed to the requestor’s fax number the next business day. 
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What are your deposit rates?
Click here for our current deposit rates
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What are you consumer loan rates?
Please contact one of our offices to speak to a loan officer about our rates. 
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How can I change the PIN to my Visa Check Card?
You can change your PIN at any of our offices during office hours
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Can I have more than one Visa Check Card for my personal and/or business checking account?
It is our practice to issue one Visa Check Card per person for personal accounts. If you have special circumstances, please contact one of our offices.
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Why can’t I access all of my accounts using my Visa Check Card?
There is one primary checking account and two secondary checking accounts accessible with the Visa Check Card. When making Visa purchases only the primary checking account will be used. You may add the secondary checking accounts to your Visa Check Card by visiting one of our offices. These secondary checking accounts are only accessible through ATMs
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My Visa Check Card is about to expire; when will I receive a replacement?
A replacement card should arrive by the end of the month that the card is supposed to expire. i.e. If your card expires 11/09, your replacement card should be mailed mid-month November. If you haven’t received your replacement card by the end of the month your card will expire, please contact one of our offices
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How do I dispute a transaction made with my Visa Check Card?
Please contact one of our offices, to report unauthorized transactions on your check card.
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What should I do if my Visa Check Card is lost or stolen?
Please call 800-528-2273 during regular banking hours. After regular banking hours call 800-528-2273. Outside the U.S. call 812-647-9794 or contact one of our offices during office hours
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What should I do if my Country Bank credit card is lost or stolen?
Please call 866-552-8855. Outside the U.S. call 701-461-1922 Collect.  TDD 888-352-6455
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Why can’t I log onto my online banking?
Please contact us at (928) 443-9595. Let us know what error information you received when attempting to log on and we will assist you in logging on successfully. We are available Monday – Friday 8:00 a.m. to 4:00 p.m. 
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If I am not a Country Bank client, can I cash a check payable to me?
Yes, if the check is drawn on Country Bank, you may present if for payment at any of our offices. There must be sufficient, available funds in the account on which the check is drawn and you must provide a valid form of identification at the time of the transaction. 
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Can I cash checks in the drive-thru if I am not a Country Bank client?
Yes, if the check is drawn on Country Bank, you may present if for payment at any of our offices. There must be sufficient, available funds in the account on which the check is drawn and you must provide a valid form of identification at the time of the transaction. 
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