A: Branches, business hours, phone, address and directions can be easily found by using our branch locator.

Download a PDF of our Hours and Locations HERE.

Investors observes the following 2012 holiday closings.

A: Some of our branches are equipped with safe deposit boxes.
Visit our branch locator or call your local branch for more information.

A: Through Investors' 24 Hour Telephone Banking Service, you can obtain current balance information as well as transaction history. You can even authorize transfer of funds between accounts. Contact your local branch to for details on how to set up your account for Telephone Banking.

A: We offer a variety of checking accounts that pay interest at competitive rates.

A: You must be at least 18 years old to open a sole checking account with Investors.

A: Some accounts require a minimum daily balance to avoid a monthly service charge.

A: Yes, you can apply to receive an Investors' Visa Check Card, which can be used at ATMs to obtain cash and at point of sale terminals to make purchases.

A: With our Preferred Checking Account, you can qualify for Relationship Banking and get special benefits and reduced fee services, along with a Preferred Banking Visa Check Card with Visa Extras and Rewards.

A: Check deposits are generally available for withdrawal within 2 business days. Special rules apply in the case of checks deposited to new accounts or over certain dollar limits. Contact your local Investors branch for more details.

A: Yes - by using direct deposit to transfer recurring funds (such as payroll, Social Security, or pension benefits) to your Investors Bank account.

A: You can easily set up direct deposit of your payroll by completing a direct deposit authorization form with your employer. You will need your Investors' checking account number, as well our routing number: 221272031.

A: This number is located on the bottom left side of the check, next to your account number.

A: No, there is no fee to set-up or use direct deposit.

A: To reorder checks you can either call or visit one of our branches. You may also order them online.

A: When you open your account with Investors, you may request copies of your check images with your monthly account statement. You may also access your paid checks through your Investors Online^SM Banking Service. It's easy! Just log in to Investors Online^SM Banking. Then:

1. Click "Account Access"
2. Click on "Checking"
3. In the "Check " column, click on the check number link (in blue)
4. Your check image will appear in a separate browser window
5. You can then print it, copy it or simply view it from your Investors OnlineSM Banking Service as needed. The front and back of each check is presented separately, so bear this in mind when copying, e-mailing or printing. To print, copy/save or e-mail the check, "mouse over" the check image in the upper left corner until you see the save, print, e-mail and image icons. You can also use your browser menu commands but since different browsers can work differently, it may be easier to "mouse over" instead.

A: Check images are stored for one year.

A: You can request statements or check images from your Investors' branch or within Investors Online^SM Banking Secure Forms. Business Online^SM Banking customers may request documents via secure e-mail within Investors' Business Online^SM Banking. Use the contact us button on your online banking page.

A: You can request statements or deposited items from your Investors' branch. Investors Online^SM Banking customers may receive copies of deposited items via secure e-mail simply by clicking on the Contact button within Investors Online^SM Banking.

A: You can place a stop payment on your check by contacting your local Investors' branch. If you provide the stop payment order over the phone, the stop payment will be valid for 14 days. You can extend this time up to 6 months by putting your stop payment order request in writing. There is a fee for a stop payment.

A: Investors requires the:

• Check number
• Date of the check
• Dollar amount
• Payable to information

A: Investors offers a variety of savings and money market accounts.

A: Yes.

A: Yes. You can set up a regular payment schedule or simply make deposits to the account when you are ready. Holiday Club Account balances are paid out during October - just in time for Holiday Shopping!

A: We offer a variety of terms at competitive fixed interest rates. Minimum balance to open is as little as $500

A: Yes; the penalty will vary depending upon the term of the account. Please contact your Investors' branch for assistance.

A: Interest credited to the account is available for withdrawal at any time prior to maturity.

A: Yes, you can arrange to have your interest automatically transferred from your Certificate of Deposit account to your Investors' Checking or Savings account. Your local Investors' branch can assist you with this.

A: An IRA stands for Individual Retirement Account. There are four (4) different types of IRA accounts that Investors' offers:
Traditional IRA, Roth IRA, SEP and a Coverdell Education Savings Account.

A: A Traditional IRA could be the perfect choice if you're not covered by a retirement plan at work. You may be able to deduct your contributions from your taxes, and your earnings will grow tax-deferred.

A: A Roth IRA is an individual retirement account that offers more flexibility than a traditional IRA allowing contributions to be withdrawn tax and penalty-free at any time. Your contributions are not tax deductible, but earnings grow tax-free when certain conditions are met.

A: Coverdell Education accounts were created as an incentive that allows you save for your child or grandchild's educational expenses. Withdrawals for certain qualified education expenses are tax and penalty-free, and funds can be transferred from one child's account to an account for another child in the family.

A: A simplified employee pension IRA which allows an employer to make deductible contributions to a traditional IRA on your behalf.

A: Yes, for 2010 the limit is $5,000 for both traditional and Roth IRAs and $6,000 if you are over 50 years of age. The limit for Coverdell IRA is $2,000.

A: We offer three (3) types of Overdraft Protection services. First, we offer "Sweep Protection" which links your savings account to your checking account so money can be automatically transferred to cover withdrawals from your checking account. Second, we offer an Overdraft Line Of Credit, subject to credit approval. Our third form of protection is Investors Overdraft Privilege Service, available on checking accounts in good standing.

A: When you sign a charge slip instead of using you PIN, the transaction is treated like a credit card purchase- and run through the credit card network. The advantage of this type of transaction is protection. When a transaction is processed as "credit," you benefit for the zero liabilities policy of Visa and MasterCard. Generally, you will not be held responsible for unauthorized transactions as long as you report them within a specified time period.

A debit or PIN-based transaction allows you to withdraw cash when you make a purchase. Rather then make an extra stop at an ATM, simply use the "debit" option when you make a purchase at a participating retailer. In addition to convenience, there are no fees associated with this type of transactions. This is not the case if you use an out of network ATM.

A: You can locate an ATM as well as any Investors Bank branch through our Branch Locator.

A: Yes; however, some remote ATM terminals do not accept deposit transactions. Please refer to our branch locator for a complete list.

A: $610

A: $2,000

A: No, the purchase will not be authorized beyond your daily limit. However you may inquire about a temporary limit increase. Qualifications may apply. Contact your Investors' branch for assistance.

A: Yes, it is currently $5 to replace a lost or stolen Visa Check Card.

A: We offer free access to Investors' ATM Network, and do not charge any fees when you use a non-Investors' ATM.

A: English and Spanish are supported at all Investors' ATM machines. Some of our ATMs can service customers in Portuguese as well.

A: Yes, you can use your Visa Check Card wherever Visa is accepted. You can also use your Visa Check Card and ATM card at an ATM internationally as long as the ATM you are using is compatible with one of our participating networks (these are shown on the back of your card).

A: Bank 24/7: Use your card at any Investors' ATM to get balances, make withdrawals, and transfer funds between eligible accounts, free of charge.

A: During business hours you may contact the corporate office or any of our branches to report a lost or stolen card; after hours contact us at (866) 472-6524.

A: Changes to your PIN can be made in person at any one of our branch offices or made directly through an Investors' ATM.

A: An automatic transfer is a scheduled transfer that you request in which funds will be moved automatically from one of you Investors Bank accounts to another at a requested frequency.

A: Yes you can. You can set up automatic transfers for any Investors' account you own. Just call or visit a branch today and one of our customer service representatives will be more than happy to set one up for you!

A: Please visit our savings account rage page for details.

A: Please visit our certificate of deposit rate page or details.

A: Our mortgage rates vary by term and type of loan. They also change frequently, so please check current rates.

A: Simply go to our Web site homepage. In the upper right -hand corner you may register by clicking on the word register. Once you have registered and the application auto enrolls enter the User ID and password and you're ready to go! If the registration needs further review, an e-mail will be sent upon approval and then you will be able to log in to view your accounts online.

A: This is the challenge question and answer that you set up when we launched Enhanced Login Security. You will be asked this question in Online Banking if you are logging in from a different computer than the one you were using when you enrolled.

A: The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server. For a more detailed explanation, click here.

A: This is a feature we are offering to help improve the security of your Investors Online^SM Banking account. Enrolling in Enhanced Login Security will help prevent unauthorized access to your account.

A: Yes, you can. Once logged in to your Investors Online^SM Banking home page click the "Notifications" tab underneath the main tab bar. On the Notifications page you will see options to receive e-mail notifications about your account balance, check cleared and maturity date.

A: Once logged in to your Investors Online ^SM Banking account you can change your user ID and password under the "User Options" tab. If you have forgotten your password, you may click on "Forgot Password" to reset your password.

A: There are three causes of an "Image Not Available" message:

1. Check images will be viewable for approximately five minutes and will then time out. So, if you receive an "Image Not Available" message while you're viewing your checks, it may be because the image timed out. Just close the window and re-click the check image link to view it again.
2. You may also see the "Image Not Available" message due to a lag time in the image transfer process. Should this occur, simply check back the next business day to view the check image.
3. ACH transactions will not have a check image, but will have a check number link next to the transaction on your Online Banking account.

A: Online Bill Pay allows you to make payments on bills automatically and directly from your Investors Online^SM Banking account to almost anyone. The following entities may not be paid through Investors Bill Pay Service: (1) federal, states and local governmental agencies, and (2) merchants outside the United States.

A: Bill Pay is free at Investors.

A: You may register by logging into your Investors Online^SM Banking Service and clicking on the Bill Payment icon. First, you will be requested to read and accept Investors authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you complete an online registration form. After submission, the registration form is electronically forwarded to Investors. The payment plan will be assigned by Investors and will be free to our customers. The application will auto enroll for immediate access.

A: Bill Pay service is available immediately upon registration.

A: The frequency of recurring payments can be Once a year, once every 6 months, once every 3 months, once every 2 months, once a month, twice a month, once every 2 weeks, once a week and once every 4 weeks.

A: The Automatic Payments section of the Payee Detail screen displays the current payment option for the payee and allows for edits/changes to the payment option currently set up.

A: Investors Online^SM Banking Bill Pay tells you the status of your payment on the View Payment History section of the Payee Detail screen within the Status column.

A: Payment Status indicates:

• A payment that is pending,
• A payment that has been sent.
• A payment that has been cleared.
• A payment that has been cancelled.

Examples of payment status:

• A single payment that is scheduled to be paid is shown as Pending-Single,
• A recurring payment that has not been paid is shown as Pending-Recurring,
• A payment that has been paid is shown as Payment Sent.

A: To edit pending payments:

1. From the Pending Payments section on the Make Payments page, click Details for the appropriate payment.
   Result: A Payment Details window appears.
2. Click Edit payment.
   Result: The Edit Payment window appears.
3. Specify your changes to this payment and click Save.
   Result: The Edit Payment window closes and your changes are saved.

A: The view history/reports link on the make payments page will direct you to view your history. Reports can contain the last two years of Bill Pay activity.

A: At least two years of payment history can be viewed online. The Bill Pay processor maintains payment history for up to seven years.

A: When you update payee information, the new information is available immediately.

A: Yes, if you would like to add additional accounts to your Online Bill Payment, the request can be made at your local branch office.

A: You may schedule payments 24 hours a day, seven days a week.

A: All Bill Pay transactions are reflected as an ACH debit on the account statement.

A: As with all common tasks, you may add a payee from the Make Payments landing page.

A: You may search for a payee from the Make Payments landing page.

A: Payees are automatically sorted and then displayed alphabetically starting from the top of the page.

A: Pending payments must be deleted before a payee can be deleted.

To delete a payee:

1. From the list of people and businesses you pay on the Make Payments page, click the appropriate name.
   Result: A window with a listing of tasks appears.
2. Click the View/Change payee details link.
   Result: The Payee Details page appears.
3. From the Other Tasks section on the Make Payments page, click the Delete Payee link.
   Result: The Delete Payee page appears.
4. Review the information on this page to ensure that this is the payee that you want to delete and then click Delete payee.
   Result: A confirmation page appears displaying the details for the payee you just deleted.

A: Only the nickname, phone number and account number may be edited once a payee is set up.

To edit these items:

To get started, please identify the payee for which you would like to change information.

1. From the list of people and businesses you pay on the Make Payments page, click the appropriate name.
   Result: A window with a listing of tasks appears.
2. Click the View/Change payee details link.
   Result: The Payee Details page appears.
3. Within the payee information section, click the Change payee link
   Result: The Edit Payee page appears.
4. Make the required changes and click save changes.

   Note: You cannot change address information if you are receiving e-bills or if this is a consolidated payee. A consolidated payee is an organization, which provides us with a preferred address to which payments should be sent. This address may be different than the address originally entered, which is displayed online.

   Result: A confirmation page appears that details your payee information changes.

A: To schedule recurring payments:

To get started, please identify the payee for which you would like to set a payment option.

1. From the list of people and businesses you pay on the Make Payments page, click the appropriate name.
   Result: A window with a listing of tasks appears.
2. Click Change payment options.
   Result: The Set Payment Options page appears.
3. Enter the required information.
4. Click Save changes.

   Result: A confirmation page appears that lists the payment options for this payee.

   Note: Entering payment data into any field causes the associated payment type to be selected. For example, selecting Monday from the drop-down box in the weekly field will cause the recurring payment radio button to be selected. Likewise, entering a date into the single payment date field causes the single payment radio button to be selected. This is done to provide visual feedback to the user of what type of payment has been selected.

A: Recurring payments cannot be skipped, only deleted.

A: CAUTION, deleting a recurring payment deletes all pending payments associated with that recurring payment.

To delete a payment:

To get started, please determine the automatic payment that you would like to cancel.

1. From the list of people and businesses you pay on the Make Payments page, click the appropriate name.
   Result: A window with a listing of tasks appears.
2. Click the View/Change payee details link.
   Result: The Payee Details page appears.
3. Within the Automatic Payments section, click the Change options link.
   Result: The Set Payment Options page appears.
4. From the Payment option field, select "Pay manually."
5. Click Save changes.
   Result: A confirmation page appears summarizing this change.

A: If a 'non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

A: Bill Pay provides you with peace-of-mind when you are traveling for an extended period of time. If you have Internet access with a secure browser, you may pay your bills while out of the country. Payments may only be made to payees within the fifty United States and territories.

A: No. Payments cannot be made to Payees outside the U.S.

A: On the process date, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited two banking business days later.

A: Electronic payees receive payment information in an electronic format that credits their account. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

A: The Bill Payment processor processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.

A: Anyone in the fifty United States and territories who can accept a check, with the exception of tax payments (such as federal, state and local), court-directed payments (such as alimony and child support) and any other government related payments.

A: The payee will be in receipt of payment within three (3) banking business days for an electronic payee and five (5) banking business days if the payee is paid by check.

A: The Bill Pay processor has a payment cap of $ 9999.00, regardless of how the payment is dInvestors Bankursed. The Bill Pay user interface limits the entry of payment amounts greater than this amount.

A: A payment may be edited or deleted anytime before the payment is processed. For stop payment requests initiated after processing, you must contact Investors Bank customer service 1-800-252-8119 x42444.

A: To change your address and phone number, you must contact a staff member of Investors Bank and we will correct your information.

A: Yes. When making a payment through Bill Pay, it's important that your current address is always on file. That way, the company or person you're paying has the correct contact information. If an address change is needed, please contact your branch office as Investors Savings requires your signature to change an address.

A: To close your account, please visit your local branch office, as Investors Savings requires your signature to terminate service.

A: Yes. In order to keep your Bill Pay account active, you must pay at least one bill per 180 days However, you can always enroll in this service again at any time.

A: Yes. You may download your account information into:

For a Personal Account:

• MS Money (OFX)
• Quicken 99 and Later (QIF)
• Quicken Financial Exchange (QFX)
• Comma-Separated Variables ( CSV)

For a Business Account:

• Money (OFX)
• Webconnect for QuickBooks
• QuickBooks
• Quicken/Money version 2004 and prior
• Comma-delimited
• HTML

A: To change your address and phone number, you must contact a staff member of Investors Bank and we will correct your information.

A: Yes. When making a payment through Bill Pay, it's important that your current address is always on file. That way, the company or person you're paying has the correct contact information. You can change your address in Bill Pay by logging onto your Online Banking account, clicking on the forms tab and filling out the Address Change form or contact a Member Services Specialist at 732-380-3600.

A: ACH (Automated Clearing House) stands for a batch-forward electronic funds transfer system governed by the NACHA (National Automated Clearing House Association) Operating Rules which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.

ACH payments include:

• Direct deposit of payroll, Social Security and other government benefits, and tax refunds
• Direct payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
• Business-to-business payments
• E-checks
• E-commerce payments
• Federal, state and local tax payments

A: Typically the company/employer will supply you with an authorization form and request your bank account number and ABA Transit Routing Number. If you are authorizing a credit or debit to your checking account the company will ask for a voided copy of your check so they can obtain your account number and ABA Transit Routing Number directly. If you want them to credit your savings account number, advise them it is a savings account and supply your savings account number found on your statement or passbook and our ABA Transit Routing Number 221272031. Investors does not process electronic debits to passbook accounts.

A: ACH Originations is only offered to Investors' business customers who must undergo a credit underwriting analysis to establish credit/debit exposure limit(s) for ACH service. Please visit your local Investors branch for additional information and forms.

A: Outgoing Wire Transfers can be initiated online through Investors Business Online ^SM Banking (after signing up for the Service) or in person at your Investors branch.

A: Wire transfers can only be initiated for an existing Investors customer and processed through an existing Investors' deposit account with collected funds to cover the wire. You will need the crediting party's Account Number, their Bank Name and ABA Routing Number and can include reference information for the payment such as an invoice number.

A: Yes, Investors does buy and sell foreign currency. Contact your local branch for specific currency information.

A: This is an Investors product where you borrow money from yourself using one of your savings accounts or certificate of deposit as collateral.

A: You can borrow up to 75% of the available funds in the account with a rate of 3% above the collateral account. Minimum loan is 1,000.00.

A: Of Course! Investors Bank accounts are all FDIC insured up to $250,000. For more details on what this means, check the FDIC website.

A: There are two different ways you can change your address with us:

1. In person at a branch (just bring photo ID with signature)
2. Inside Investors' Online^SM Banking Service in the Secure Forms section