You can pay your credit card bill online free of charge up to 30 days in advance. Online payments submitted prior to 5:00 p.m. CT will be posted to your account the same day. Payments submitted after 5:00 p.m. CT will be posted the next day. At Washington County Bank's discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

Is there a charge to pay my credit card bill online?

No. You can always pay your Washington County Bank credit cards for FREE!

Is it safe to pay my credit card bill online?

Yes, your personal information and the account data are protected by multiple independent security protocols: firewalls, data encryption, and a verifiable password. These create a secure electronic tunnel between your computer and Washington County Bank's system. Washington County Bank supports the use of 128-bit encryption technology, one of the most secure forms of encryption currently available for commercial use over the Internet.

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Making Online Payments

How do I find my account number and routing number?

Use the sample check below to locate the account number and routing number of the checking or savings account you will be using to make the payment to your credit card account(s) online. Your bank routing number will be 9 digits long. Your bank account number will vary in length, it may by shorter or longer than the example shown below.

Note: The routing number printed on your check will be correct in most cases. But, some banks are using a separate routing number to process electronic payments. Please check with your bank if you have any problems using the routing number printed on your check.

Will my online payment post to my account today?

Online payments submitted prior to 5:00 p.m. CT will be posted to your account the same day. Payments submitted after 5:00 p.m. CT will be posted to your account the next day. At Washington County Bank's discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

Can I change or delete my online payment once I've submitted it?

Yes. You may delete or change a current pending payment prior to 5:00 p.m. CT on the day the payment will post. After 5:00 p.m. CT payments posting that night cannot be changed or deleted.

How far in advance can I make an online payment to my credit card?

You can pay your credit card bill online up to 30 days in advance.

Can I schedule more than one online payment in advance?

No. There can only be one pending payment at a time for each Washington County Bank credit card account you pay online. However, you may schedule payments free of charge as often as you like for up to 30 days in advance.

Will my online payment affect my AutoPay?

Yes. Online payments made to your account will reduce your AutoPay amount unless the additional payment is made within five days of your due date. If your online payment is made within this time frame, it will not reduce the AutoPay amount. If you have questions or need more information, please call us at 1-800-688-7070.

Can I make an online payment from my savings account?

Yes. We will accept payments from a savings account. However, your bank must allow the draft. Please check with your bank to determine if a draft from your savings account is allowed.

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Ordering a Card Replacement
Can I order new credit cards online?: Yes, if you need a replacement card on your credit card account, you may order it in the Account Services section of 24 Hour Banker Online.
How long will it take to receive my credit card?: Our credit department reviews and approves all requests for additional cards. Upon approval the additional card will be sent. The delivery times will vary depending on your location. However, most cards will be received within 10-14 business days of the original request.
Can I have my credit card mailed to a different address?: If you need your card mailed to an address other than your current mailing address listed on your account, please call us at 1-800-688-7070 for assistance.
Can I still use my credit card if it expires this month?: Yes, your credit card(s) are still good through the last day of the month.
Why didn't the ATM return my credit card?: Most likely the PIN entered did not match the PIN associated with that credit card account. For security purposes, the credit card will be captured if an incorrect PIN number is entered more than 3 times. If you have forgotten your PIN, you may request a new PIN in the Account Services section once you have logged into your account. To find out how to collect a confiscated card, please call 1-800-395-0637.
Can I change the name on my credit card?: You will find instructions on how to complete your request for a name change in the Account Services section of 24 Hour Banker Online. Requests to correct a misspelling on your card can be made online. However, if the change is due to marriage, to divorce, or other reasons, an online form must be completed and returned to our credit department accompanied by legal documentation showing the name change.

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Add/Remove Authorized User or Joint Cardmember
How can I get an additional card on my account for someone else?: You may request an additional card for someone else from the Account Services section of 24 Hour Banker Online. These requests will be reviewed by our credit department for approval.
Can I allow another family member to use my credit card?: The family member must first be added to your account as an authorized user. Requests to add a family member or other persons to your account as an authorized user can be requested online in the Account Services section of 24 Hour Banker Online. All requests for additional cards will be reviewed for approval by our credit department.
Can I add a person to my credit card account?: You may request a person be added to your account in the Account Services section of 24 Hour Banker Online. All requests for additional cards will be reviewed for approval by our credit department.
What privileges does an authorized user have on my credit card account?: An authorized user may make purchases on the account. An authorized user cannot be enrolled online or make changes to the account.
What privileges will a joint cardmember have on my credit card account?: A joint cardmember receives a card in his or her name and has the same privileges as the primary cardmember. He or she will also share full responsibility and liability for the account. Adding a joint cardmember to the account is subject to credit review, including a credit report in the name of the person to be added. A joint cardmember must be at least 18 years of age.
How do I remove an authorized user from my credit card account?: You may request removal of an authorized user in the Account Services section of 24 Hour Banker Online. If this person has joint responsibility on the account, the request must be made in writing and signed by both cardmembers. We will provide an online form that may be printed and mailed to our credit department. All requests for additional cards will be reviewed for approval by our credit department.

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General Questions

What should I do if my credit card is lost or stolen?

If you lose your card - don't panic. Call us immediately at 1-800-444-6938, 24 hours a day, 7 days a week for assistance. If you are calling from outside the U.S., call us collect at 1-402-341-7447. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll get you a temporary replacement card within 24 hours.

Can I use my Washington County Bank credit card to get cash at an ATM?

You can get cash at more than 957,000 cash machines, 24 hours a day, 7 days a week. All you need is your card and a Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.

Note: Applicable fees may apply.

How far back can I obtain credit card account information?

Up to seven statements will be available online. Any transactions posted to your credit card account since the last statement will also be available.

Can I transfer higher-rate credit card balances to my Washington County Bank credit card online?

Yes, you can transfer balances from your higher-rate credit cards to your Washington County Bank credit card online. Simply choose Balance Transfer in the Account Services section of 24 Hour Banker Online. The credit limit increase feature is not available from 7:00 p.m. CT to 7:30 p.m. CT daily.

Do you process credit card limit increase requests online?

Yes, you can request a credit limit increase on your Washington County Bank credit card account online in the Account Services section of 24 Hour Banker Online.

Can I activate my credit card online?

Yes, you can activate your credit card online in the Account Services section of 24 Hour Banker Online. This option will only appear if your credit card account requires activation.

Why don't I see the option, 'Card Activation' in Account Services?

Card Activation will only display if your enrolled credit card account requires card activation. If you have additional questions, please call us at 1-800-688-7070.

Can I redeem my Reward points online?

Yes, you can redeem your reward points online by clicking the Rewards button on the Account Detail page for your enrolled credit card account or in the Rewards section of Account Services.

Why don't I see the 'Rewards' option in Account Services?

Rewards will only display if your enrolled credit card account is in a Rewards program.

Can I request a Personal Identification Number (PIN) for my credit card online?

Yes, you can request a PIN online in the Account Services section of 24 Hour Banker Online.

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