BOS General Information

Frequently Asked Questions

 

 

What are the lobby business hours?
To view the lobby business hours for each of our locations, click here.

What are the drive-up teller hours?
To view the drive-up teller hours for each of our locations, click here.

Where are the branch locations?
To view a complete list of BOS locations, click here.

Where are BOS ATMs located?
To view a complete list of BOS ATMs, click here.

 

How can I apply for a mortgage loan?
To apply for a mortgage loan, click here.

 

How can I set up direct deposit?
Direct deposit can be established with most employers and government agencies as well as pension funds. Our personal bankers are happy to assist you with setting up direct deposit.

What is the cut-off time for a deposit to post to my account?
Branch transactions processed prior to 6:00 P.M. Monday through Friday will post to your account that same day. Debit transactions vary by merchant.

 

How can I enroll in online banking?
To enroll in online banking, click here.

What do I need to do to start paying my bills online?
To pay your bills online, you must add your payees to your online bill payment through online banking. To add a payee, you will need the payee's name, address, phone number and your account number.

How can I be sure online banking is safe?
The website is secured with AES 256-bit high-grade encryption which exceeds industry requirements. Other banks are currently using high-grade encryption (RC4, 128 bit keys), which is still considered quite safe. But we’ve chosen to upgrade to 256 bit encryption.

When will BOS contact you on an unsolicited basis regarding your electronic banking login credentials?
We will not contact you for that information. If you receive a call or email asking for your Access ID and Password, please contact us.

How can I sign up for eStatements?
Electronic Statements or eStatements are part of our online banking service. Sign-up is located in the User Options menu in the upper right hand corner of the page after you have completed your login.

How can I reset my online banking password?
To change your online banking password, click on User Options in the upper right hand corner the page, after you have completed your login. If you have forgotten your password and you are unable to login to online banking, visit our eBanking page and click on the Lost Password link.

What is mobile banking?
Mobile banking allows you to conduct banking transactions using your mobile telephone. You can conduct any of the transactions available through online banking using your mobile telephone.

How can I sign-up for mobile banking?
Mobile Banking is part of our online banking service. Click on User Options in the upper right hand corner of the page, after you have completed your login. From the User Options menu, choose Mobile Banking Profile to activate your mobile phone(s) for mobile browsing or text messaging.

How can I transfer money between my BOS accounts?

If you own two or more BOS accounts, you can transfer money between them through BOS Online Banking.  To transfer funds between your BOS accounts, click the “Internal Transfer” button.  Then follow the prompts to transfer funds between your accounts.


How can I transfer money between one of my BOS accounts and one of my accounts at another financial institution?

You can transfer funds between your BOS accounts and accounts you own at other financial institutions through BOS Online Banking by clicking the “External Transfer” button.  Then follow the prompts to transfer funds between your accounts.  The standard three day processing is free of charge.  There is a $5.00 fee for express overnight processing.

How can I transfer money from one of my BOS accounts to someone else’s account?

You can transfer funds between your BOS accounts and someone else’s account through BOS Online Banking.  Click the “Pay Bills or People” button.  Next, click the “Popmoney” button.  Then follow the prompts to transfer funds between your accounts.  There is a $.50 fee for each transaction initiated through the Popmoney service.

Can I receive text messages about my account?
You can have balance or transaction information sent to your mobile phone via text message. Text your request for periodic updates or sign up for daily balance alerts. Visit the Online Banking User Options to receive a list of text commands or register for alerts.

 

Can I call the bank after hours to conduct banking transactions?
Yes. Our Toll-Free Account Information number 1.800.789.0511 allows you to check balances, review recent transactions, transfer money and make loan payments 24/7 via telephone.

Is there a TDD telephone number?
Yes. TDD service is available at 1.877.472.9280.

What are the telephone banking menu options?
Using our automated banking system, you have the ability to obtain account information, transfer funds, report a lost or stolen card, authorize or remove overdraft service on ATM/Debit cards, change your Personal Identification Number (PIN), or activate a new card.

 

How do I report a lost or stolen debit/credit card?
To report a lost or stolen card, please click here.

How can I get assistance with identity theft?
If you believe you are a victim of identity theft, contact one of our personal bankers immediately so we can take steps to protect your BOS accounts. To get assistance from the Illinois Attorney General's office, click here.

How safe is banking online?
The website is secured with AES 256-bit high-grade encryption which exceeds industry requirements. Other banks are currently using high-grade encryption (RC4, 128 bit keys), which is still considered quite safe. But we’ve chosen to upgrade to 256 bit encryption.

How can I keep my passwords safe?
We recommend you take two very important steps to keep your passwords safe. First, create a strong password by using a combination of upper and lower case letters along with numbers and special characters, i.e, $, *, &, etc. A strong password might look something like this: Jt4%KyL2 Second, we recommend you change your password on regular basis, monthly or every two months. Taking these steps will help to ensure the safety of your passwords.

Where can I find your privacy notice?
Click here for the BOS privacy notice.

 

If I plan to use my BOS debit card while traveling outside of the country, should I inform the Bank?
Yes. When you notify us that you are traveling, we will clear your card for purchases abroad. This will prevent your card from being rejected due to suspected fraud. To notify us call 1-877-698-3278. Or, if you prefer, call any local BOS branch.

How can I activate a new debit card?
Simply call 1-800-789-0511 to activate a new debit card and establish a PIN

When I receive a new debit card in the mail, how do I obtain my PIN?

If the new debit card is replacing an existing card and card numbers are the same on both the old and the new cards, the PIN will be the same on both cards. You can begin using the new card immediately with your old PIN. This will be the case when your new card is replacing an expired or damaged card.

If your new debit card is replacing a lost or stolen card, the card numbers will be different on both cards. When the card number is different, or if you are receiving a BOS debit card for the first time, you will need to activate your new card and establish a PIN. Call 1-800-789-0511 to active the card and set the PIN for your new card.

What is my PIN number?
For security reasons, BOS employees do not have access to your PIN. If you have forgotten your PIN or if you need to establish a new PIN for the first time, just call 1-800-789-0511 and follow the prompts.

How can I change my PIN?

You can call 1-800-789-0511 to change your PIN. Or, if you know your current PIN, you may change it at any BOS ATM.

Can I order additional debit cards for everyone on my checking account so we can each have our own debit card?
Yes. Every person who is named as a signer on the account can have their own debit card. Each card will have a unique card number and each cardholder can establish their own PIN. Simply call us at 1-877-698-3278 or call any local BOS branch.

My BOS debit card is expiring soon and I haven’t received a new card yet. Do I need to order one?
Your BOS debit card will remain active through the last day of the expiration month and year. A new card is automatically mailed to you and you should receive it around the 20th of the expiration month.

How long will it take to get my new debit card?
If you visit any of our branch locations, you can obtain your new debit card and PIN while you wait.  If you order your new debit card over the phone or through the mail, typically it takes about ten business days.

Can I personalize the picture on the front of my debit card?

Yes.  Visit any of our branch locations and email us your .jpg file and we’ll customize your card with your photograph.  Certain photos are restricted.  For a list of restricted photos, contact a BOS personal banker.  The cost to customize your debit card is $12.00.

What is the daily limit on my debit card?

You can spend up to $2500 on purchases and you can also receive up to $500 in cash per day. Cash can be obtained at any ATM and/or by requesting cash back during a purchase. For example, you could obtain $300 from an ATM and obtain the remaining $200 from a merchant.

 

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