Frequently Asked Questions
Questions are encouraged and it is our hope this online resource will help you find the answer you are needing. If your question cannot be answered below, please contact us at 800.843.4947.
To better assist you, feel free to use the buttons below to find your answer quicker.
Account Information Checking Accounts Debit Cards ATMs/ITMs & Banking Centers Online & Mobile Banking
Mobile Deposit Mortgage Loans Consumer Loans CashPlease® Business Loans Credit Cards
Text Banking Premium TextingFinancial Advisory Group Security
Account Information
What is the Springs Valley's routing number?
Springs Valley’s routing number is 083909445. |
How do I change the address, phone number, or eMail address on my account?
You may visit any Springs Valley Banking Center to request a Change of Address form. |
What is the difference between available balance and current balance on my account?
- Your Current Balance shows the amount of money in your account at the end of the previous day (after cleared deposits, withdrawals, ATM/ITM transactions, and debit card transactions).
- Your Available Balance is your Current Balance minus any holds, uncollected deposits and transactions received but not yet processed by Springs Valley. This may include certain ATM/ITM and debit card transactions, or checks.
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Checking Accounts
Can I open a checking account online?
Yes! You can open a retail checking or savings account online. Click here to get started. |
How do I order checks?
- To order checks online, click here.
- To order checks in person, stop by any Springs Valley Banking Center.
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What is an NSF fee, and why did I receive one?
- Non-sufficient funds (NSF), or insufficient funds, is when your checking account does not have enough money to cover transactions. An overdraft will occur, and fees may be assessed. These are called NSF fees or overdraft fees.
- An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.
- If you have questions regarding a NSF fee or charge to your account, please contact a Springs Valley Customer Service Representative via phone at 800.843.4947 or chat at svbt.bank.
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Does Springs Valley offer overdraft coverage for checking accounts?
Yes! Springs Valley’s offers BalancePlus Privilege (BPP). BPP is a service provided to our checking account customers to cover inadvertent overdrafts. The service is subject to the eligibility criteria and other constraints. For more information on eligibility, please review our BalancePlus Privilege details here or contact Springs Valley for more information. |
What is a Refer-A-Friend?
The Springs Valley Refer-A-Friend is a coupon for a Springs Valley customer to refer a non-Springs Valley customer to open a Springs Valley consumer or business checking account. If the non-customer brings in the coupon and opens a new account, the referring customer will receive a $10 referral bonus (terms and conditions may apply). To print a Refer-A-Friend coupon, click here. |
What is the Buy Back Program?
Springs Valley will pay you up to $10.00 for your debit cards and old checks from your current account (at another financial institution) when you bring them in to open any new checking account at Springs Valley (terms and conditions may apply). |
Debit Cards
My debit card is about to expire. When will I receive my new debit card?
- Your Springs Valley debit card will be active until the last day of the month it is set to expire. You should automatically receive a new card within the last month your current card is set to expire. Please keep an eye on your mail. To protect from theft and fraud, the new card will arrive in an envelope not marked with the Springs Valley logo.
- If you do not receive your new card by the end of the card expiration month, please contact Springs Valley at 800.843.4947.
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How do I activate my new debit card?
Call the toll-free number on the sticker of the card at 800.567.3541. |
What if I want to change my debit card Personal Identification Number (PIN)?
Call the toll-free number 800.567.3541. |
What should I do if I forgot my debit card Personal Identification Number (PIN)?
You can call the toll-free number 800.567.3541. |
What if I notice unauthorized debit card transactions?
If you notice unauthorized debit card transactions on your account, you can immediately turn off your debit card using the CardValet standalone app or using the Manage Your Cards section of the Springs Valley Mobile App. You may also call the toll-free number 800.567.3541 for assistance. |
How can I report a lost or stolen debit card?
To report a lost or stolen card or for help with debit card issues during regular business hours, please call the bank at 800.843.4947. For after-hours call 833.735.1894. |
Should I notify Springs Valley if I plan to use my debit card while traveling?
Yes, if you are planning to travel somewhere you do not normally travel, please notify Springs Valley. To help prevent fraudulent activity, Springs Valley blocks all international transactions on debit cards unless a request is received from our customer. Cards can be used at any merchant or ATM that accepts Visa® Debit Cards. The exchange rate between the transaction currency and the billing currency used for processing international transactions is the government-mandated rate in effect for the applicable central processing date. |
ATMs/ITMS & Banking Centers
How can I find a certain Springs Valley Banking center or ATM/ITM?
- Springs Valley Banking Center Locations
- 1500 Main Street, Jasper, IN 47546
- 865 3rd Avenue, Jasper, IN 47546
- 867 N Gospel Street, Paoli, IN 47454
- 1501 W Broadway Street, Princeton, IN 47670
- 8482 W State Road 56, French Lick, IN 47432
- 1717 S State Road 57, Suite A, Washington, IN 47501
- Springs Valley ATM & ITM Locations
- 901 W 12th Avenue, Jasper, IN 47546
- 505 S Maple Street, French Lick, IN 47432
- 8482 W State Road 56, French Lick, IN 47432
- 867 N Gospel Street, Paoli, IN 47454
- 1500 Main Street, Jasper, IN 47546 (ITM Location)
- 865 3rd Avenue, Jasper, IN 47546 (ITM Location)
- 1717 S State Road 57 Suite A, Washington, IN 47501 (ITM Location)
- 1501 W Broadway, Princeton, IN 47670 (ITM Location)
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Can I make a deposit through a Springs Valley ATM?
Yes. All Springs Valley ATMs accept deposits, except the ATM at our Paoli Banking Center. |
How can I find fee-free ATMs?
- Springs Valley is proud to partner with two surcharge-free ATM networks providing our customers with over 55,000 FREE ATMs! For an ATM locator, please click on link below.
- Alliance One - Alliance One is a nationwide group offering more than 5,000 Free ATMs.
- Allpoint - The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations. You can find Allpoint Network ATMs in 55,000 retail locations, like CVS and Walgreens, around the world.
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Are there limits on how much cash I can withdraw from an ATM?
You can withdraw $500 per day. Funds must be available. |
Online & Mobile Banking
How do I enroll in Online Banking?
- Go to svbt.bank.
- Select New User Enrollment on top right-hand side of home page.
- Enter required information, click enroll.
- Review Terms and Conditions. If you agree, select I Agree.
- Establish credentials; create a username and password.
- Set up your challenge questions.
- Select your delivery method of account statements.
- Read the electronic statements terms and conditions.
- Once read, enter the confirmation code located at the bottom of the electronic terms and conditions.
- Make your selection for mobile banking enrollment.
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How do I download and install the Springs Valley Mobile Banking App?
Visit your mobile device’s App Store or Google Play Store. Download the Springs Valley Bank & Trust Company Mobile App. Use your online banking credentials to log into the mobile banking app.
Message and data rates may apply. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.
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What are eStatements and how do I sign up for them?
eStatements are online, electronic copies of your account statements that you can quickly view, search, save and print. You can view them on your computer and your mobile device. To sign up:
- Log onto Online Banking
- Click "Profile"
- Scroll down to Electronic Statements
- Click “Edit”
- Select which account(s) you want eStatements
- Confirm eMail address
- Change delivery method to "eStatements"
- Read and review “Electronic Statements Terms and Conditions”
- Select check box and enter confirmation code (from Terms and Conditions)
- Select “Save”
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How do I get a copy of a check in Online Banking?
In Online Banking, go to account the check was written from. Click the bolded "CHECK Number" to open the Check viewer and an image of the check. From the Check viewer, you can choose to print. |
How do I sign up for Online Bill Pay within Online Banking?
- Log into Online Banking
- Select “Bill Pay”
- Click on “Enroll”
- Accept “Terms and Conditions”
- Bill Pay will open, and you can add bills
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How do I use NotifiSM?
- Log into Online Banking
- Choose “Alerts” from home page
- Choose “Alert Options” and “Contact Options”
- Log into Mobile Banking
- Choose “Manage Alerts”
- Choose “Account Alerts” and “Security Alerts”
Message and data rates may apply. Notifi is a Service Mark of Fiserv, Inc., or it affiliates.
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How do I use TransferNow®?
- Log into Online Banking
- Select “Transfer”
- Select “From Account”
- Select “To Account”
- Select “Date”
- Enter Amount
- Enter Description
- Select “Preview Transfer”
- Select “Complete Transfer”
- Log into Mobile Banking
- Select “Transfer & Pay”
- Select “Make an internal transfer”
- Select “From Account”
- Select “To Account”
- Enter Amount
- Enter Date
- Select “Continue”
- Select “Make Transfer”
Message and data rates may apply. TransferNow is a Registered Trademark of Fiserv, Inc., or it affiliates.
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How do I use Zelle®?
- Log into Onlne Banking
- Select “Bill Pay”
- Select “Send Money with Zelle”
- Add New Contact
- First Name, Last Name, Nickname (Optional)
- Enter eMail, Mobile Number or Account #
- Enter eMail
- Click save
- Log into Mobile Banking
- Choose “Send Money with Zelle”
- Enter Password
- You can Send, Request, Split
- Add New Contact
- Enter First Name, Last Name, Nickname (Optional)
- Enter eMail, Mobile Number, or Account #
- Enter eMail
- Click Save
Must have a bank account in the U.S. to use Zelle.
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How do I use CardValet®?
- Log into Mobile Banking
- Choose “Manage My Cards”
- Enter Mobile Banking Password
- Select card(s) to be managed
- Set Limits, Block Card, etc.
Available for Apple iOS and Google Android devices. CardValet is a registered trademark of Fiserv, Inc. or it affiliates.
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How do I use Mobile Wallet?
- Apple Pay® On Your iPhone1
- Go to Wallet and tap +
- Follow the steps to add a new card. Watch the demo to see how it works. If you’re asked to add the card that you use with iTunes, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security codes.
- Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay. If your bank issuer needs more information to verify your card, they’ll ask for it. When you have the information, go back to Wallet and tap your card.
- After your bank or card issuer verifies your card, tap Next. Then start using Apple Pay.
- Apple Pay® On Your Apple Watch
- Open the Apple Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
- Tap Wallet & Apple Pay.
- Follow the steps to add a new card. Watch the demo to see how it works. If you’re asked to add the card that you use with iTunes, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security code.
- Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay. If your bank issuer needs more information to verify your card, they’ll ask for it. When you have the information, go back to Wallet and tap your card.
- After your bank or card issuer verifies your card, tap Next. Then start using Apple Pay.
- Look for the Google Pay app on your phone. If you don’t find it, download it from the Google Play Store.
- Open the Google Play App.
- To add your card, click on the + sign in the lower right corner.
- Follow along with the onscreen instructions. You’ll have the option to scan your card using the phone’s camera or manually enter your card information.
- Enter the three-digit security code located on back of your card.
- Make sure your Samsung device is updated with Samsung Pay.
- Take a picture of your Springs Valley VISA Card with your device’s camera.
- Secure it with your fingerprint and backup PIN and you’ll be ready to go.
1 Enjoy the benefits using Apple Pay on iPhone® 6 or newer. The Apple logo, Apple Pay, and iPhone are registered trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
2 Google, Google Pay and the Google Logo are trademarks of Google LLC.
3 Only compatible with select cards and Samsung devices. Check the Samsung Pay Support page for a compatibility list. © 2016 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Galaxy S, Samsung Galaxy S6, Samsung Galaxy S6 edge, Samsung Galaxy S6 edge+, and Samsung Note5 are registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law.
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Why am I being asked to verify my identity when logging in to Online Banking?
If our online banking platform does not recognize the device, you may be asked to verify your identity. Below are a few reasons why this could be happening:
- Your cookies were recently cleared.
- You are using a different browser than previously.
- You may have asked to not skip this extra security step.
- Your browsers are in private or incognito mode.
After you have verified your identity, you will have the option to choose to register your device.
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What if I am locked out of my account in Online Banking?
Click "Forgot Password", answer the challenge questions, then follow the prompts to change your password. |
What should I do if I forgot my User ID or Password for Online Banking?
Contact our Customer Service Team at 800.843.4947. |
Mobile Deposit
What is Mobile Deposit and how do I use it?
Mobile Deposit is a feature within digital banking that allows you to deposit checks by using your phone’s camera to take a picture of the front and back of your check. To use Mobile Deposit:
- Please sign your name and write "For SVBT Mobile Deposit Only" within the endorsement area on the back of the check.
- Log into Mobile Banking
- Choose “Deposit"
- Select “Deposit a Check”
- Select Account to “Deposit Into”
- Enter “Check Amount”
- Take a photo of the front of the check and select “Use” or “Retake”
- Take a photo of the back of the check and select “Use” or “Retake”
- Select “Edit” or “Make Deposit”
- If “Make Deposit” is selected, you will get a message, “You have successfully submitted a check deposit of $”
Springs Valley Mobile Deposit is available for select mobile devices. Download the Springs Valley Mobile App. Message and data rates may apply. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See svbt.bank/MobileDeposit for details and eligible mobile devices.
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What types of checks can I deposit through mobile deposit?
You can deposit checks made payable to you, money orders, and cashier’s checks. |
How do I endorse a check for Mobile Deposit?
Please sign your name and write “For SVBT Mobile Deposit Only” within the endorsement area on the back of the check. |
When will the check I deposited through Mobile Deposit be available?
Checks deposited by Mobile Deposit will follow our funds availability policy. Our policy is to make funds available to the customer the day of deposit. Certain conditions and holds may be imposed on some checks depending on various factors. |
Are there transactions and monthly limits for Mobile Deposit?
Yes, please read the terms and conditions when starting to use mobile deposit. |
Mortgage Loans
What is Springs Valley’s Online Mortgage Center?
Springs Valley’s Online Mortgage Center is an on-line mortgage website for consumers to apply for a mortgage. In 20 minutes or less you could be preapproved for a home loan. |
Can I get a preapproval using the Online Mortgage Center?
If approved the system can create you a pre-approval letter. |
Can I receive my mortgage statement electronically rather than by mail?
Yes, you can sign up for electronic statements if you have Springs Valley’s Online Banking. |
What is the financial information I need to bring you for a mortgage application?
Standard information is 2 years tax returns and W2’s, 1-month paystubs, 2 months bank deposit statements, purchase agreement. There may be additional documentation the loan officer may ask for during the process. |
How can I make a payment on a Springs Valley mortgage loan?
There are several ways to make a payment on your Springs Valley mortgage loan.
- Make a payment via Springs Valley’s Online Banking Platform
- Set up an automatic payment via Springs Valley’s Bill Pay System
- Set up an automatic payment by visiting a Customer Service Representative at any Banking Center
- Stop by any Springs Valley Banking Center
- Mail a check to PO BOX 830, Jasper, IN 47547-0830
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Can my mortgage payment automatically be drafted from my checking or savings account?
Yes, you can set up an automatic payment via Springs Valley’s Bill Payment System. |
If I make a mortgage payment today, when will it be applied to my account?
Yes, your payment will be posted the same day it is made. |
Where can I find my mortgage loan in the Springs Valley Mobile App?
Your mortgage loan will be listed under ‘accounts’. |
Where can I find my Springs Valley mortgage account number?
To find your mortgage account number, refer to your loan document or stop by any Springs Valley Banking Center. |
Consumer loans
What are the different ways I can make a payment on my Springs Valley loan?
There are several ways to make a payment on your Springs Valley loan.
- Make a payment via Springs Valley’s Online Banking Platform
- Set up an automatic payment via Springs Valley’s Bill Pay System
- Set up an automatic payment by visiting a Customer Service Representative at any Banking Center
- Stop by any Springs Valley Banking Center
- Mail a check to PO BOX 830, Jasper, IN 47547-0830
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How do I set up automatic payments for my Springs Valley loan?
You can set up an automatic payment via Springs Valley’s Bill Payment System. |
Can I use Online Banking to make a Springs Valley loan payment from a non-Springs Valley checking account?
Yes! TransferNow® is Springs Valley's inbound and outbound transfer service which provides an easy and secure way to make account-to-account transfers. |
Is there a way to stop an automatic loan payment if I don’t have funds in my account to cover it?
Yes, just simply contact a Customer Service Representative at one of our Banking Centers. |
Where can I find loan payoff information?
For the most accurate payoff information, please contact a Springs Valley Customer Service Representative by phone at 800.843.4947, by online chat on our website at svbt.bank, or by stopping by any Springs Valley Banking Center. |
Where can I find my Springs Valley loan account number?
To find your loan account number, refer to your loan document or stop by any Springs Valley Banking Center. |
CASHPLEASE®
Why should I get a CashPlease® loan?
There are so many reasons! Here are the top 5 reasons to use CashPlease®:
- You’ll pay less in interest than you would pay with traditional payday loans
- If you use the money to pay bills, you’ll avoid late fees and possible hits to your credit score
- Can be a cost-saving alternative to using your Overdraft service to cover non-sufficient checking account items
- Approved funds are credited to your account in 1 to 2 business days
- The ease of using your trusted community bank
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Who can get a CashPlease® loan?
Access to convenient short-term loans is only available to account holders at Springs Valley Bank & Trust Company. The minimum age for loan eligibility in this program is 18. Please Note: We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.
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How much can I borrow?
The loan amount available varies based on your individual checking account activity. However, typical loan amounts generally fall within the $100 - $1000 range. |
How do I know what amount I can borrow?
After you create your account on the CashPlease® website, you will be presented with a screen that displays your maximum loan amount offered. You will then need to request a loan amount that is less than or equal to the loan amount offered. Your requested loan amount must be at least $100. |
How many loans can I have at one time?
You can have only one outstanding loan at any time per consumer |
How do I receive my money?
Once you are approved for a loan, we strive to have the funds in your account in 1-2 Business Days. |
How does repayment of the loan work?
The loan agreements you execute online state the due date(s) for your loan. If you choose the “Easy Pay” option, payment is automatically deducted from your account on the due date(s). If you choose "Manual Pay", you will be responsible for making your payments on time |
Once the loan is repaid, may I get another loan?
Yes, after paying off your loan you may revisit the CashPlease® website to see the new loan amount for which you are eligible. Please note that you must wait three full days between loans not including the day on which your final payment is actually processed (you may check the CashPlease® website for availability at any time). Also, no more than 3 short-term loans are allowed to a single consumer during a rolling 6-month period.. |
Will a CashPlease® loan reduce my available limit under the Bank’s discretionary Overdraft Service?
Yes. Your discretionary OD limit is based on a number of relationship factors with the Bank and will be reduced through the utilization of the CashPlease® loan, thereby impacting the amount with which we pay your future non-sufficient funds items. Items paid into overdraft will be at the Bank's discretion and we reserve the right not to pay items even if items previously presented have been paid. |
How do I create an account?
Simply click “Get Started” and follow the easy steps to create your account. |
Do I need an eMail address for an account?
Yes, you must have an eMail address to create an account.. |
How do I update my personal account information or change my password?
Once you’ve signed in to your account, simply click “My Account” at the top right of the page to update your personal account information and/or change your password. |
What if I forget my password?
Simply click “Forgot Password” on the Sign In page and enter your eMail address. Click “Request Password” and a new password will be eMailed to you. |
How do I view my CashPlease® loan history?
Once you’ve signed in to your account, simply click “My Loans” at the top right of the page to view your loan history. |
How can I view my payment history and remaining balance?
Sign in to your Springs Valley Online or Mobile banking, under “Accounts” click on your CashPlease® loan to view the remaining balance and previous payments. |
If I do not elect auto payments, how do I make my scheduled CashPlease® payments?
You may make your payment online through online or mobile banking, or you may visit a Springs Valley Personal Banker to make a payment in person. |
business Loans
Do I need an eMail address for an account?
Yes, you must have an eMail address to create an account.. |
How does the Online Business Loan Center work?
First, you will follow the link on our website. You will them be prompted to sign in or create an account. You will then be asked to fill out business information, personal information, and loan & collateral information. You will then be prompted to add contacts. After agreeing to Terms and Conditions, you will be able to save and submit the application. |
What documentation is required to complete the application process?
Eventually, you will be required to submit tax returns and financial statements, purchase agreements, etc. (pending on situation), however nothing is “required” to complete the application online. Once application is completed online, the a Springs Valley Loan Officer will contact you requesting additional documentation. |
Do I need to have an account with Springs Valley to apply?
No, you do not have to have an account with Springs Valley to apply. |
TEXT BANKING
What is Text Banking?
Springs Valley offers their customers mobile access to their account information over SMS Text Messaging. Text Banking allows you to quickly request and receive your account balances, recent transaction history, and location information via your mobile device's SMS Text Message service using short code and a set of commands. |
Is Text Banking free?
We won't charge you, but standard carrier fees for text messaging may apply. Please check with your wireless carrier if you aren't sure what fees apply when you send and receive text messages. |
What is Springs Valley's short code?
Springs Valley's short code is 99588. |
What are Springs Valley's text commands?
Springs Valley's text commands are below:
*If your response message ends with "Reply NEXT or MORE", text NEXT or MORE to view more information.
- BAL – Summary of available balances for all account(s)
- HIST + ACCOUNT NICKNAME (ex. HIST 1) – Summary of recent transactions for specified account
- BRANCH + ZIP - Shows list of banking center location(s) by zip code
- ATM + ZIP – Shows list of ATM location(s) by zip code
- HELP – Help content for text message banking service
- STOP - Cancel text message banking service
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Checking Accounts
Can I open a checking account online?
Yes! You can open a retail checking or savings account online. Click here to get started. |
How do I order checks?
- To order checks online, click here.
- To order checks in person, stop by any Springs Valley Banking Center.
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What is an NSF fee, and why did I receive one?
- Non-sufficient funds (NSF), or insufficient funds, is when your checking account does not have enough money to cover transactions. An overdraft will occur, and fees may be assessed. These are called NSF fees or overdraft fees.
- An NSF fee is charged when a checking account is overdrawn causing a negative balance at the end of the previous business day. NSF fees are always charged the day after the overdraft occurs. You can avoid NSF fees by making a deposit to bring your account to a positive balance by the end of the business day.
- If you have questions regarding a NSF fee or charge to your account, please contact a Springs Valley Customer Service Representative via phone at 800.843.4947 or chat at svbt.bank.
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Does Springs Valley offer overdraft coverage for checking accounts?
Yes! Springs Valley’s offers BalancePlus Privilege (BPP). BPP is a service provided to our checking account customers to cover inadvertent overdrafts. The service is subject to the eligibility criteria and other constraints. For more information on eligibility, please review our BalancePlus Privilege details here or contact Springs Valley for more information. |
What is a Refer-A-Friend?
The Springs Valley Refer-A-Friend is a coupon for a Springs Valley customer to refer a non-Springs Valley customer to open a Springs Valley consumer or business checking account. If the non-customer brings in the coupon and opens a new account, the referring customer will receive a $10 referral bonus (terms and conditions may apply). To print a Refer-A-Friend coupon, click here. |
What is the Buy Back Program?
Springs Valley will pay you up to $10.00 for your debit cards and old checks from your current account (at another financial institution) when you bring them in to open any new checking account at Springs Valley (terms and conditions may apply). |
Premium Texting (Fraud Alert) Notifications
What are fraud alert notifications?
Springs Valley Bank & Trust Company works with our debit and credit card Risk Offices to monitor and track card activity. If there is activity on your card that appears different from your regular transaction activity, a case may be created and you may receive a text, call, or letter confirming whether the activity is authorized.
If Springs Valley has a valid cell phone number on file, you will receive a text from the Risk Office and appear as Springs Valley Bank Fraud Center, shortly after transactions are identified as potential fraud. Springs Valley will also contact you by phone or letter if the Risk Office has been unsuccessful in contacting you by text.
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Why are you sending texts for this?
It has been found that text fraud alerts can more effectively mitigate fraudulent activity, allowing cardholders to receive the message and react more quickly, in order to resolve the cases.
Here is a sample text you may receive:
FreeMSG-Springs Valley B&T Fraud Center 1-833-735-1892. Reply YES or NO if you used debit card ending in 1234, Shopsmart, 124.35. STOP to opt out
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What if I have multiple phone numbers on file with Springs Valley Bank, which number will be used to send me a notification?
If a cell number is in appropriate “cell phone” field, this number will be called first. If there is no number in the cell phone field, the system will go with the home number field. Our system can detect if the number is a landline or cell phone number, no matter which field the number is in. |
Will I receive a charge for the text?
No, all messages coming from short code 37268 are free to you. |
What is the short code for Premium Texting?
All texts will be from the short code 37268. |
Does Premium Texting change any of my other forms of notifications?
No. Other forms of notification such as voicemail will remain enabled. If no contact numbers are text-capable in your current record, it will use the next available form of notification. |
What if I prefer to call the Fraud Center instead of reply by text?
Sure! During banking hours you may call Springs Valley Bank & Trust Company directly at 800.843.4947, or call Springs Valley’s Fraud Center after hours at 833.735.1894.
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Is the Premium Texting service TCPA compliant?
Yes, the Premium Texting service complies with TCPA (the Telephone Consumer Protection Act) because each text message includes verbiage indicating that the message is free, provides an opt-out option for the cardholder, and includes a call-back number.
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What else should I know?
Springs Valley Bank & Trust Company is committed to protecting your personal information and mitigating the risk for fraudulent transactions. Here are some things you should know when receiving or responding to a fraud alert text or call, to help keep your information secure:
- A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link.
- If you text “Help” in response to a message, you will receive a message to call the fraud center. When you call this number, you will be transferred directly to a Springs Valley Fraud Center associate.
- Currently, text alerts are only sent out between the hours of 8:00 a.m. - 9:00 p.m. ET.
- A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number. Text caller IDs will be 37268.
- A phone call from our institution’s automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to a customer service representative who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly at 800.843.4947.
- We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly.
- Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance.
- If you have received a voice or a text-message from Springs Valley and are unsure about responding to it, call us directly at 800.843.4947 for assistance.
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Credit Cards
How can I make a payment on my credit card?
You can make a credit card payment through mail, via our secure website, or at any Springs Valley Banking Center. |
How can I apply for a credit card?
You can request an application from any Springs Valley Banking Center or Springs Valley Banker or click here to print off an application, complete, then mail or drop off to any Springs Valley Banking Center. |
How can I get more information about an unfamiliar change on my credit card?
If you notice unauthorized credit card transactions on your account, you can immediately turn off your credit card using the CardValet standalone app or using the Manage Your Cards section of the Springs Valley Mobile App. You may also call the toll-free number listed on the back of your credit card. |
How do I report a lost or stolen credit card?
To report a lost or stolen credit card, please call 855.309.0295. |
What number should I call with questions about my credit card?
With questions about your credit card, please call Springs Valley's Customer Service team at 800.843.4947 or 855.309.0295. |
Financial Advisory Group
How can I view my account online?
Springs Valley Financial Advisory Group offers free online account access to all clients. If you have not yet signed up for online access, please use our Secure Contact Us Form or call 812.634.4844 to sign up today! |
What makes Springs Valley Financial Advisory Group different?
At Springs Valley Financial Advisory Group, we want to partner with you through all stages of your financial life. We will walk with you during wealth accumulation, retirement and help you plan your legacy. We want to engage in a personal and honest relationship with all of our clients. We do not want to take a one size fits all approach. We meet with you to get to know you and your goals. We will treat you like the individuals you are. Springs Valley Financial Advisory group features a team of four advisors with over 100 years of financial expertise. Our process is done 100% in house allow for local, real time decisions. We are committed to giving all of our clients the highest level of service. |
What types of investments does Springs Valley Financial Advisory Group offer?
We offer multiple products to fit the needs of our clients.
Investment |
What It Is |
Benefits |
Mutual Funds |
A mutual fund is a pool of money from multiple collectors that seek a common goal. Mutual funds can be made of stocks, bonds, or other securities. |
Mutual funds are the simplest way to achieve diversification. Little amounts of money can access professional money management. |
Stocks |
A stock signifies ownership in a corporation. Stockholders are entitled to issuing the company’s assets and earnings. |
Stocks historically have outperformed most other asset classes in the long run. |
ETFs |
An EFT is an exchange traded fund. Much like a mutual fund, an EFT is a large pool of investments divided into one share. |
Trades throughout the day as opposed to end of day settlement. ETFs are an easy way to achieve diversification. |
CDs |
A fixed savings account with a predetermined maturity date and interest rate. |
Gives investors a stable income stream without having to worry about price fluctuation. |
Annuity |
Investment product that offers fixed payments to investors. |
Can offer some protection from market volatility while providing income. |
Life Insurance |
Guarantees a predetermined payment at death. |
Can provide and protect a beneficiary after the loss of the insured. |
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How can I see performance return on my account?
Springs Valley Financial Advisory Group offers free online account access where clients can view their returns. We are also happy to print a hard copy upon request. |
How much money do I need to open an account?
Springs Valley Financial Advisory Group works with clients that have a wide range of assets. We find the solution that best fits our clients. We are happy to partner with individuals working to accumulate wealth and retirees trying to make their wealth last. Springs Valley Financial Advisory Group prides itself on offering services to people in all walks of life, from white collar to blue collar. We are committed to giving the highest level of service to all our clients regardless of asset size. |
How do I open an account with Springs Valley Financial Advisory Group?
At Springs Valley Financial Advisory Group, we want to get to know each of our client’s unique financial situation so that we can best partner with them to help achieve their financial goals. Contact one of our Financial Advisors today to schedule an appointment. Our professionals will ask that you bring your photo ID and any applicable financial statements to your appointment. |
Security
What should I do if I believe I am a victim of identity theft?
If you think you are the victim of identity theft, please call Springs Valley Bank & Trust Company at 800.843.4947. Using your personal information, a fraudster can commit a wide range of fraudulent activity in your name, so it is important to take security measures. |
What do I do if I receive a suspicious phone call claiming to be Springs Valley?
If you receive an unexpected phone call that appears to be from Springs Valley seeking personal information, follow these steps
- Be Suspicious.
- Hang up and do not give out any personal information.
- Contact Springs Valley at 800.843.4947.
If you inadvertently provided personal information and feel your Springs Valley accounts may be in jeopardy, call 800.843.4947.
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What should I do if I think someone has gained unauthorized access to my Online Banking?
- Please contact us as soon as possible by calling 800.843.4947 to report any suspicious activity on your account.
- If you believe someone has gained unauthorized access to your Online Banking or Springs Valley Mobile App, you should change your Online Banking credentials. To do so, log into online banking. Click the change password button. You will then be prompted to answer security questions before changing your password.
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What do I do if I receive an unsolicited or suspicious email claiming to be Springs Valley?
If you inadvertently provided personal information and feel your Springs Valley accounts may be in jeopardy, please contact 800.843.4947.
Although fraudsters use various tactics in their attempts to deceive, there are common elements you can look for:
- Awkward greeting or salutation
- Typos
- Incorrect grammar
- Strange or unfamiliar links
- Compelling or urgent language
- Misspelled company name
You are your first line of defense!! Always remember:
- Stop before you click on links or attachments
- Call the company using a phone number you know to be valid to confirm they sent the email
- Don't reply
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