Customer Service

General Banking

• What will I need to open an account?
  
  You will need documentation verifying legal name, permanent street address, Social Security Number (SSN) or Tax Identification Number (TIN), and date of birth. Examples of acceptable forms of ID include: State Driver's License, State-Issued ID, Military ID, or Valid Passport.
  
  
• Where can I find my bank account number and bank routing number?
  
  Your account number and routing number can be found at the bottom of your Ciera Bank account checks. The Ciera Bank routing number is 111905227. 
  
  
• What account types Ciera Bank offer?
  
  We provide a full array of deposit and loan products for all of your personal  and business  needs.  

Mobile Banking

• How do I register for Mobile Banking?
  
  In order to utilize Mobile Banking, please follow these steps:
  1. Visit the App Store or Google Play Store and search for “Ciera Bank Mobile Banking”
  2. Download the app and sign-in using your online banking credentials (if you need assistance, please contact your local branch)
• How do I mobile deposit a check?
  
  In order to mobile deposit a check, please follow these steps:
  1. Log in to Ciera Bank Mobile Banking Application
  2. Select "Deposit" on the bottom of the screen
  3. Select "Deposit Check"
  4. Enter account number and check amount
  5. Select "Take Photos"
  6. Allow access to your phone's camera, place check on dark surface, and ensure the area is well-lit
  7. Follow the on-screen instructions to capture the check image (PLEASE NOTE: You must use black ink only and include "For Mobile Deposit Only" or "FMDO" under your endorsement)
• How to transfer funds using the mobile app:
  
  In order to perform a transfer in the app, please follow these steps:
  1. Log in to Ciera Bank Mobile Banking Application
  2. Select "Transfers" on the bottom of the screen
  3. Select "Make an Internal Transfer"
  4. Select the "From" and "To" accounts (PLEASE NOTE:  You must own more than one Ciera Bank account to perform an internal transfer)
  5. Enter the transfer amount
  6. Select "Continue"
  7. Verify the amount and accounts selected and select "Make Transfer"

Fraud Protection

• What do I do if I have lost my debit card or checkbook?
  • Debit card - Please contact us immediately at 940-549-2040, during normal business hours. If after normal business hours, please call 800-472-3272. If you use mobile banking, you may also log in to your Mobile Banking App and Block all transactions for your card, report your card lost or stolen, and place restrictions.
  • Checkbooks - Please contact us immediately at 940-549-2040, during normal business hours. If after normal business hours, please call 800-472-3272.
• Can I use my debit card internationally?
  
  Yes, Ciera Bank cards will work where all Visa Cards are accepted. However, to prevent any disruptions or fraud alerts, please call your branch prior to traveling internationally to allow us time to prepare the system for predicted use outside of US.
  
  
• What do I do if I receive a call from Ciera Bank Fraud Protection Services?
  
  Don't Panic! You may receive a call when an unusual purchase, large debit amount, or foreign country (that was not planned) are detected on a transaction. You can verify the transaction(s) in question and determine if they are legitimate or not. 

Charges and Fees

• What does Ciera Bank charge to replace ATM/Debit Cards?
  
  There is a $5.00 fee to replace lost or stolen Bank Cards.
  
  
• What are Ciera Bank’s wire transfer fees?
  
  • Incoming Wires are $10.00
  • Outgoing Domestic Wires are $20.00
  • Outgoing International wires are $75.00
    
    
• What are Ciera Bank’s Overdraft and Return fees?
  
  • Overdrafts are $30.00 per item overdraft
  • Return Checks are $30.00 per check returned

Helpful Information