All branches will be closed Saturday, May 25 and Monday, May 27 in observation of Memorial Day. ATMs and Online Banking remain available 24/7 with branches resuming regular hours on Tuesday, May 28.

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Eaton Fed

Banking FAQs

Answers to the most common banking questions.

Here you’ll find answers to the most common questions around our products and services. If you don’t see the answer you’re looking for, don’t hesitate to Contact Us.

FAQ Categories

Online and Mobile Banking

How do I enroll in Online

You can sign up online for Online & Mobile Banking. Visit our Online and Mobile page for full details.

How much does Online & Mobile Banking cost?

Eaton does not charge for the convenience of instant access to your account information.

How do I send sensitive information to the bank?

Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If your request requires you to share sensitive information, you can:

  • Send a secure message from Business or Personal Online Banking. If you use Online Banking, you can send a secure message by clicking the "Secure Forms" tab and then clicking "Secure Email Form" from the submenu. (If you don't already have Online Banking, you can sign up online for instant access.)
  • Call us toll free at 866-699-3372.

How do I transfer money between my accounts?

Select the “Move Money” tab on your Online Banking Home Page. You can make a one-time transfer by selecting “Make A Transfer”. Designate the account funds are coming from and going into.

Transfers made on the Online Banking Home Page will display quickly in the My Accounts list and the Account History Page transactions list. This means that we will automatically refresh the page (to get new account balances) once a user closes the transfer success window.

What browser versions are certified for use with Eaton Online Banking?

Browsers that are officially certified include Microsoft Internet Explorer (IE) 8.0+ and 9.0+ as well as Firefox 4.0+. Browsers that are supported but not certified include Safari 5.0+ and Google Chrome. If you are using one of these or any other browsers and experience a problem, call Support at 517-213-7061 for more information.

Why do I have to keep entering a verification code to log in?

This appears to be an issue with Internet Explorer (IE) 9.0+ automatically deleting your cookies every time you shut down your computer. That's why you are not recognized the next time you try to log in to online banking and you have to enter the verification code again. To fix this just follow the steps below.

  • Within IE 9.0+, click the Tools icon on the upper right side (looks like a gear wheel).
  • Select Internet Options from the dropdown list.
  • In the Browsing history section, uncheck the 'Delete browsing history on exit' checkbox.
  • Click the Privacy tab.
    • Click the Advanced button.
    • Select the Override Automatic Cookie Handling checkbox.
    • Select First-party Cookies and Third-party Cookies radio buttons, if needed.
    • Select the Always Allow Session Cookies checkbox.


ATM and Debit Cards

What if I lose my Debit or ATM Card?

Call Customer Service at 800-754-4128 to cancel your Debit or ATM Card as soon as possible.

How do I change the PIN on my Debit or ATM Card?

You can change your PIN at any Eaton ATM, local branch, or calling Customer Service at 833-541-0760.

What is my daily limit on my Debit Card?

Daily purchase limits for a Debit Card and purchase limits on credit transactions are $1500, combined.

Where can I find free ATMs in my area?

We are partnered with the MoneyPass network, giving you more choices for accessing your accounts. Simply look for the MoneyPass logo to avoid paying ATM terminal surcharges.

What are the cash withdrawal limits at an ATM?

ATM cash withdrawal limits for an Eaton ATM or Debit Card is $500 per day.

Can I use my Debit or ATM Card in a foreign country?

Yes, but we recommend withdrawing from a checking account versus a savings account. Savings account transactions may not be dependable. You will be charged a currency conversion fee by Eaton.

I did not receive my money from an ATM that was not an Eaton ATM?

Call our dispute processing center at 866-987-1457 Monday – Friday, 8:00 a.m. to 8:00 p.m. except holidays. They will work with the other bank to help you resolve your issue.

I did not receive my money from an Eaton ATM? What do I do?

Call your local branch as soon as possible then stop in your local branch to complete the forms necessary. We will review all of the transactions and correct your account when we verify the discrepancy.

What do I do if there are debit charges on my account that I did not do?

We have a dispute resolution call center that will work with you. Please call 833-995-2888 Monday - Friday, 8:00 a.m. to 8:00 p.m. EST except holidays. The Call Center will ask you for personal information to verify your identity. You will also need to call Eaton to have your card cancelled and help you order a new card.



How do I order checks?

You can order checks online, visiting a branch, or by calling 866-699-3372.

What is Eaton’s routing (ABA) number?

Eaton’s routing (ABA) number is 272471166

How can I change my address?

You can change your address within Online Banking by clicking on the Secure Forms tab.

You may also provide a written change of address request to any branch office.

How do I enroll in direct deposit?

Your employer will need Eaton’s routing number (272471166), your account type (checking or savings) and your account number.

How can I set up an automatic payment?

If you have a checking account and are enrolled in Online Banking, you can send an automatic payment via Bill Pay. You must first login to your account.

You may also visit any branch office to set up an automatic payment or transfer to your loan or other account with us.

How can I order a copy of a check?

You can request a copy of a check at any branch office.

How can I order a copy of a statement?

If you have elected to receive eStatements online, you can access your eStatements via Personal Online Banking by clicking on the Additional Services tab and choosing Online Statements. 

You may also request a copy at any branch office.

How can I request a stop payment on a check?

You can request a stop payment via Business or Personal Online Banking by clicking on the Additional Services tab and choosing Stop Payment. 

You may also call or visit any branch office to place a stop payment on a check.

How can I send a wire transfer?

To send a wire transfer, please visit any branch locations and a customer service representative will assist you.

How do I file a dispute on my account?

If you believe you have unauthorized activity on your account, please notify any branch, as soon as possible. A customer service representative will be happy to assist you.

If you have unauthorized activity on your debit card, please call 866-987-1457, Monday – Friday, 8:00 a.m. to 8:00 p.m. EST, except holidays.

What is my account number?

You can find your account number on the bottom of your checks or on your monthly or quarterly statement. You can also find it within Online Banking under the “My Accounts” tab. Select the desired account and then click on “See account details” located on the right of the screen.

We can also provide your account number to you at any branch office with proper identification.

When will I receive my tax statements?

All 1098 and 1099 forms are mailed by January 31 following the reporting year.

How do I prevent my account from going dormant?

You can keep your account active by initiating transactions at a branch or via Online Banking transfers, Bill Pay payments, debit card or ATM.

Transactions set up to occur automatically, such as direct deposit, automatic transfers and interest deposits are not considered activity on an account.

When is an account considered dormant?

A checking or money market account is considered dormant when there has been no activity on the account for 6 months. A savings account is considered dormant when there has been no activity on the account for 24 months.

Please keep in mind that an account may have a dormancy lock placed on it after 60 days of no activity which may prevent the completion of transactions initiated outside of a branch.



How do I make a loan payment?

Making payments on your Eaton Community Bank loan are convenient and easy. There are several options to choose from:

  • Online Banking – transfer payment from your Eaton deposit account, or an external account. Register for Online Banking here
  • Automatic monthly payments – which can easily be set up by Contacting Us 
  • By mail or in-person – make your payment by mail or in-person at any branch

Can I modify my existing loan with Eaton to get a better rate?

Eaton does not modify existing loans, rather, borrowers apply for new loans to refinance their existing debts. If you are interested in refinancing your loan, contact our Lending Team.

Eaton escrows for my real estate taxes and I just received a tax bill. Do I need to submit the bill to you?

Eaton gets tax bills directly from most municipalities but there are a few exceptions. For property in those municipalities that do not provide tax bills directly, we send letters requesting borrowers to submit their tax bills to us. If you do not receive such a letter, you do not need to submit your tax bills.

I believe I am eligible to stop paying the private mortgage insurance (PMI) on my mortgage loan. How do I go about this?

Requests for PMI cancelation must be made in writing. Please Contact Us or visit one of our branch locations for assistance.

I did not receive or lost my monthly loan statement. How can I make a payment?

Payments can be made without a statement. Mail a check (with your account number for reference) to or visit one of our branch locations.

What are your current mortgage loan rates?

Check out our Current Rates page for our latest mortgage rates.

What is the amount due to payoff my loan?

Call 517-543-3880 during regular business hours to request a payoff quote. If you have Online Banking, you can view your current principal balance but it will not be adjusted for accrued interest, escrow and other items.


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