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Attn: TCBT Online Banking Users

On Saturday, October 25th starting at 3:00PM until approximately 6:00PM the Online Banking system will be unavailable due to an equipment upgrade.

 

On Sept. 2, 2014, Home Depot alerted MasterCard®, Visa®, and law enforcement of a possible data breach. At this time, details of the extent of lost data have not been released to us. We have also not yet received any alert notifications from Visa or MasterCard on this event. Based on our experience with the Target breach, we encourage customers to remember to monitor your online account and monthly statement for unusual activity. If you identify any unusual activity, contact your branch immediately.
 

for iPhone & Android

Start banking wherever you are with TCBT Mobile for iPhone & Android! Available to all Town & Country Bank & Trust Mobile Banking* users, TCBT Mobile allows you to check balances, make transfers, and find locations.Click the links below to download!

iPhone App   ♦   Android App

*Mobile App requires enrollment in Mobile Banking services.



Overdraft Regulations

Federal regulations require that we deny your ATM and everyday debit transactions when there are insufficient funds in your account unless you authorize us to approve them. ACT NOW to avoid the inconvenience of having these transactions rejected. Click on the link below for more information and to decide how you would like these transactions handled. Tell us your preference today


 
Bill Pay FAQ

Frequently Asked Bill Pay Questions

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, bi-weekly, semi-monthly, monthly, and even annually recurring payments. You set the final payment of a recurring payment scheme to ensure the payments stop on your schedule.

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented immediately.

Q: Can I receive an annual summary of my bill payments sorted by category or payee?
A: Not at this time.

Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
A: You begin the process to add a new payee by typing the name in the 'Pay someone new' box at the top of your payee list. New payees will be added to the list immediately.

Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.

Q: Are all debits and credits sent out at the same time?
A: Yes, they are all sent out at the same time.

Q: How is my account electronically debited?
A: Your account is debited via ACH.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the date the payment is processed. Payments that have been remitted electronically cannot be stopped.

Town & Country Bank and Trust Co.
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