RDA (Remote Deposit Anywhere)

What is RDA?
RDA (Remote Deposit Anywhere) is a tool that allows you to deposit checks remotely with your Orrstown Bank Mobile Banking application.

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P2P (Person to Person)

What is P2P?

P2P is a secure consumer online person-to-person payment service that allows you to electronically send money to virtually anyone who's enrolled with an email address and a U.S. bank account.

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How do I activate P2P?

Activating is quick and easy. If you are an existing client with personal online banking, you will need to add the P2P option to your online banking dashboard (My NetTeller) by selecting the ‘Send Money’ widget option from the ‘Configure’ menu.

If you do not have personal online banking, simply contact our Client Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Client Service Team Member will contact you within two business days.

Note: If you are not using My NetTeller, You will first need to go to 'My NetTeller' - It is just below the 'online banking' link on top left side. Once you click on 'My NetTeller', you will see the option to 'Configure'. You might want to customize your Internet Banking page to look the way you want while you are in 'My NetTeller'.

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Are there fees for P2P payments?

No. This is currently a free service.

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How does the P2P service work?

Upon enrollment, P2P allows you to send payments to virtually anyone with an email address and a U.S. bank account. Payees are added by creating a new payee and going through a safe and secure payee enrollment process. You will be required to enter the payee’s name and email address, as well as a short confirmation code before a new payee can receive payments.

New payees are required to follow a secure link from an email that will be sent to the email address provided. They will be required to enter a security phrase that you have created and provided them with to confirm their authority to receive payments. They will then be required to enter their account information for the account for which they would like to receive payments.

Once the new payee is added all you will have to do is enter the payee's name in the new payment field for future payments.

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Is P2P available from the Mobile App?

Yes. P2P is available in the latest Orrstown Mobile App. You can download the latest Orrstown Mobile App from Google Play Store or ITunes App Store.

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How long do payment deposits take?

Payments should take approximately two to three business days to be completed.

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What if I forget what the Keyword was?

Access the Sendmoney Widget on the My Account tab. The payment will be listed in a Pending Status. Hover your mouse over pending and the keyword will appear.

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How can I Stop or Edit a payment?

Access Sendmoney Widget from the My NetTeller dashboard. Then click on the My Accounts tab. From there you can edit or stop a pending transaction.

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What if the Receiver refuses my payment?

You will be notified via e-mail that the Receiver has refused the payment. Only new Receivers have the ability to refuse the payment.

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What if the Receiver ignores the e-mail?

The system will send a reminder e-mail every three days. If the Receiver hasn’t followed the necessary steps by the 9th day, the payment will be stopped and the system will send you a notification.

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How can I change the account where my payments are sent from?

Contact us directly at 1-888-677-7869 to change the account number. Only one account can be used at a time.

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Can I send payments from my Savings account?

No, only payments from Checking accounts are allowed.

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How do I send a payment to a Receiver I have used in the past?

When typing the Receiver Name and/or e-mail address, let the system prefill the information for you. This will indicate you have sent a payment to this Receiver before and the verification process does not need to reoccur.

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Online Banking

How do I reset my online banking password?

Instructions for resetting your password can be found by clicking here.

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What kind of browser do I need?

Online banking supports Current and Prior Major Release of the following browsers:

Microsoft Edge

Mozilla Firefox

Safari - Apple/ Mac Users Only

Google Chrome

The supported browsers above are for use with the traditional online banking interface and devices (desktop/laptop), and do not apply to use with mobile devices (phones/tablets). If using a phone or tablet to access online banking outside of an app, functionality and appearance may vary from the traditional interface.

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How do I know if my browser utilizes 128-bit encryption?

You will need to check the security preferences within your browser software.  Each browser is different. The settings are typically found under the File,  Preference option on your toolbar.

 

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I'm receiving my two-factor authentication code by phone. How does that work?

Selecting a phone call to deliver your two-factor authentication code will send a phone call to the phone number provided. When you answer the call, the system will say, "This is your Orrstown Online Banking verification code." Once the digit given by the system is pressed, the automated voice will say the code. 

 

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Must I have "Cookies" enabled to use online banking?

Yes, your browser must accept "Cookies" to utilize this service. Each browser version handles "Cookies" uniquely. Please check with your browser software manufacturer to determine how to verify that your settings will accept "Cookies." 

How do I clear "Cookies" from my browser?

For detailed instructions on clearing "Cookies" in Chrome, Safari, Firefox, and Microsoft, click here. 

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What happens if I don't log off of the system?

Online banking has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using online banking, you will have to log in again to resume banking. 

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What happens if I forget my online banking PIN?

You are allowed three attempts to enter your PIN. If unsuccessful after the third attempt, you will be locked out of online banking for a 24 hour time period. After the 24 hour period, you may attempt to log in again. Immediate access may be regained by calling our Client Service Center at 1-888-677-7869 during regular business hours. 

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How late in the day can I make a transfer?

Transfers can be made at any time. However, please note the transfer cut-off time is 4:00 p.m. ET during regular banking days, which excludes weekends and Federal holidays. Any transfer made after 4:00 p.m. ET will be processed the next business day. 

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When viewing my current transactions, why do I see electronic transactions and online banking transfers duplicated?

You may see the electronic transactions, which include online banking transfers, twice during our "end of day processing." End of day processing is required for your transactions to be updated. This process begins each evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day. 

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How do I add or delete accounts to my existing online banking relationship?

Please contact our Client Service Center at 1-888-677-7869 or by visiting any of our branch offices.   

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How do I add the optional Bill Payment service if I did not select it when I applied for online banking?

Please contact our Client Service Center at 1-888-677-7869 or by visiting any of our branch offices. 

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When and how are bill payments processed?

Scheduled payments are processed Monday through Friday at 3:00 a.m. and 1:00 p.m. (EST). Payments will be processed the evening before they are scheduled and sent the morning of the requested processing day. If payment is by check, the check is mailed the following morning. Please note, it can take 7 - 10 days for the check to be mailed and processed. Please consider adjusting the payment date to account for this delay. Electronic payments also go out the morning after a payment is processed. Since electronic payments are processed through the Federal Reserve, we can't guarantee when the payments will be deducted from your account. However, this process generally takes two days.

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How do I know if a merchant is electronic or check capable?

Once you have set up the vendor/merchant, you can look at the View Payees screen and see a field that will tell you if the vendor accepts electronic or check payments. 

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Are payments processed on holidays?

No. Payments are processed at the first cutoff time following the holiday (3:00 a.m.). 

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Whom can I pay with Bill Pay?

You can pay anyone in the United States, from your next door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any Government Agencies. 

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Are there any minimum or maximum payment amounts?

 Yes. The minimum payment amount is $1.00. The maximum payment amount is $9,999.99. 

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How far in advance can I schedule payments?

 A recurring scheduled payment can be set up in advance to any date in the future. A one time payment can be set up to be sent up to five years in the future. 

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What happens if I have a scheduled payment that falls over a weekend or holiday?

Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over the weekend, for the current weekend, will be processed during the 3:00 a.m. Monday morning processing time. Holiday processing is done the following day after the holiday. 

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On the Payment History page, how much history will be available?

Currently, payment history is kept for a year. 

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Will the memo field from the scheduled payment be printed on the check sent to the payee?

No, the memo field is for your personal use and is stored electronically at your financial institution with the record of your transaction. The account number that you entered when adding the payee to your Personal Payee List is printed on the check. This lets the payee know to which account the payment should be applied. 

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Can I stop a payment?

Yes, by calling our Client Service Center at 1-888-677-7869. Stop payments can also be done using online banking by selecting Stop Payment in the drop-down box beside your checking account. 

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Can I get a copy of a cancelled check?

Yes, by calling our Client Service Center at 1-888-677-7869.

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On the Payment History page, what does the "Status" field indicate?

Following is a table of the available status values and their associated definitions:

Status Value Definition 

Pending - The payment has been processed, but not yet sent. 

Processed - The payment has been sent and processed. 

Hold - The payment has a research request on it. This usually means the payment is incomplete, but can be processed when the issue is resolved. 

Stopped - The consumer or Bill Payment service has stopped the payment. Once stopped, the payment cannot be processed again.

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Can I post-date recurring payments?

Yes, but this must be done prior to the payment date. 

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Can I post-date a single payment?

Yes, just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow the user to schedule payments in the future or for the current date.

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Can I edit vendor addresses?

No, if a vendor's address changes, you must set them up as a new payee with the correct address and delete the old payee record.

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Can I have multiple payments to the same payee on the same day?

You can make multiple payments to the same payee as long as the amounts are different. For your protection, the system will not pay duplicate items on the same day. 

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When will I be charged for the optional Bill Pay service?

Only business clients are charged for Bill Pay and then, only when they make more than 10 payments per month.

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Manage Card

What is Manage Card?

“Manage Cards” is a new feature that allows you to turn your Orrstown Debit card “on” or “off” as you desire. When the card is “on”, transactions are allowed as normal. When the card is “off”, no purchases or withdrawals are approved until you turn the card back “on”.

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What are the most common use cases?

The most common uses of this feature include:

If you temporarily misplace your debit card – this feature allows you peace of mind while you search, locate, and eventually turn your card back “on”.

If your card is actually lost or stolen, this feature allows you to set the card to “Lost/Stolen” and indicate to Orrstown that you require a new card to be mailed to your residence.

If you want to keep your card “off” between purchases for extra security – this feature allows you to be in control of when and how your card can be used. This greatly reduces the possibility for fraud on your account.

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How do I activate/enroll into Manage Card?

No Action or enrollment is required for you to use this feature. If you are a client with an active debit card, this feature is available without an action within your Mobile application or within Online Banking.

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Can I use this to activate a new debit card?

Yes, you can activate your card with the Orrstown Mobile app or by calling 1-844-290-4126. 

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What does the suspend function mean?

Suspend will temporarily disable your debit card (effectively turning your card “off”) and any new Point of Sale transactions after card suspension will be declined.

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How do I activate a suspended card?

Using the Orrstown mobile app you can activate your suspended card (turn the card back “on”).

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I lost my debit card, how can I report this as lost or stolen?

Using Online or Mobile Banking you can report your card as lost or stolen. If you do not leverage mobile or online banking – please use the normal channels (Branch or our Call Center) to report the situation immediately. You can also leverage Your Orrstown to report Fraud or Lost/Stolen Cards.

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How do I install the Orrstown mobile app on my mobile device?

Mobile banking is currently available on Apple® iOS and Android™ devices. Search for “Orrstown Bank Mobile Banking” and install the app. Once installed on your mobile device select the Orrstown Bank icon to launch the application. Your login is the same as your current online banking User ID and password.

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How do I set up the app to manage my debit card?

To manage your card through the app, try one or both of the following:

1. If you go into the account associated with your debit card, you should have a “Manage Cards” option in a list. (Transactions, Transfer, Deposit Check, Manage Cards, Documents, Settings)

2. You should also be able to add the Manage Cards widget on your dashboard. From your Dashboard, scroll to the bottom of the screen and select “Organize Dashboard”. Use the plus button in the upper right of the screen to select the widgets you want to include on your dashboard .

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If I believe my Card has been lost and stolen or my PIN compromised – should I report this to the Bank or is using the Online and Mobile Banking feature sufficient?

While the Online and Mobile features will notify us that you have lost your Card, we still recommend contacting us via telephone or branch at your convenience to review your account and ensure no further action is required.

In general, if you tell us within two (2) business days (via Online, Mobile, Branch or Call-Center) you can lose no more than $50 if someone used your card or PIN without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.

If you do not have online banking, please contact our Client Service Center at 1-888-677-7869, Monday through Saturday from 8am to 8pm and Sundays from 11am to 8pm ET.

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If I have a scheduled payment setup to automatically charge my Orrstown debit card each month, will the authorization still work if I have my card turned “off”?

No, If you have your card turned “off” during the period when the Merchant attempts to process this monthly charge, (in most cases) this authorization will fail.

Most merchants accept a variety of alternative automatic payments that we can help setup if you prefer to keep your debit card turned “off”.

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Telephone Banking

What is Telephone Banking?

Telephone Banking is a free service that allows all clients to interact with an automated voice response unit for common questions. Telephone Banking can give you automated balance information, facilitate funds transfers, and help you manage your debit card. This service is available 24x7, even when our branch network is closed.

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How much does Telephone Banking cost?

Telephone Banking is free for all clients of Orrstown Bank.

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How do I enroll and use Telephone Banking?

All clients are automatically enrolled and eligible to use the service after opening their accounts. Upon your first use of the system, you will be required to establish a PIN that will be used for security purposes during interactions with the system.

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Bill Payment

How do I add a payee?

Clicking “add payee” at the top of the payments page will walk you through a one time, step-by-step setup process to gather key information used to send your payments.

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How do I set-up a person-to-person payment?

When adding payee, choose the “pay an individual” option. Whether you have their deposit account information or not, there are options readily available to send your payment.

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Can I make payments on a holiday or weekend?

Payments can be made on Holidays and weekends but Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.

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How do I set up recurring payments?

To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

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Can I see payments that will process more than 45 days from now?

Yes. You can view all your scheduled payments by clicking the “view more” link located in the “Pending” section of your payment page or the “view pending transactions” link available below the schedule payment section of your payment page.

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Is there a cutoff date for editing or stopping a payment

Yes. Your ability to edit or stop a payment after 3:00 PM EST on its designated process date will be unavailable while funds for bill payment are being verified. Payments that pass verification are processed and cannot be edited or stopped. Payments that fail verification due to insufficient funds can be edited or stopped until 3:00 PM EST.

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What is my transaction history?

Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay.

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How long are records stored in my transaction history?

Your transaction history will allow you to report transactions up to 18 months from the current date.

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What is an eBill?

eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.

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How do I set up an eBill?

Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.

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How does autopay work?

Autopay will schedule a payment for you when your new eBill arrives based on your preferences.

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Can I add another Pay From account?

A Pay From account can be added by accessing “My Account” and clicking the “Add Account” link located in the pay from account section.

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How do I edit Pay From account information?

A Pay From account can be edited by accessing “My Account”, clicking the “View Account” link and clicking “edit” next to the pay from account.

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Debit Cards

What is a contactless card?

A contactless card provides a faster and more convenient way to make payments at a point of sale by simply tapping your card against a contactless-enabled terminal. Contactless cards eliminate the need to insert or swipe your card or enter a PIN, making transactions faster and more convenient.

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How does a contactless card work?

A contactless card uses EMV and NFC technology to enable quick and secure payments. EMV, which stands for Europay, Mastercard, and Visa, is a global standard for chip-based payment cards. It adds an extra layer of security, making it harder for fraudsters to clone cards. NFC, or Near Field Communication, allows the card to communicate wirelessly with a contactless-enabled payment terminal. When a contactless card is tapped against a terminal, the necessary information is securely transmitted, completing the payment transaction.

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What is the difference between a contactless debit card and a regular debit card?

Contactless debit cards differ from regular debit cards in their transaction process. With contactless cards, you can simply tap the card on a payment terminal to complete a transaction, without the need for PIN entry. This provides a faster and more convenient payment experience compared to regular debit cards, which require card insertion or swiping and PIN entry. Security is another aspect where contactless debit cards excel. They use encryption technology to protect your card details during transactions. Additionally, some merchants have safeguards to prevent unauthorized use, such as occasional PIN verification.

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Can I request a contactless debit card if my current card is not contactless enabled?

Yes, if your current card is not contactless enabled, you can request an Orrstown contactless debit card. Simply reach out to our client service team at 1-888-677-7869, send them a secured message through online/mobile banking, or visit your nearest branch to request a replacement card. Our team will be happy to assist you in upgrading your card to a contactless-enabled version.

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How long will it take for my new card to arrive?

Generally, it takes approximately 7-10 business days for your new card to arrive after you have requested it. However, please note that delivery times may vary depending on your location and any unforeseen circumstances. If you have not received your new card within this timeframe, we recommend contacting our client service team at 1-888-677-7869 or send them a secured message through online/mobile banking for further assistance.

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Are there any additional charges or fees associated with contactless payments?

No, there are no additional charges or fees specifically for contactless payments. The fees that you may encounter are tied to the type of checking account you have with our bank. However, having a debit card itself does not incur any extra fees.

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How do I use my contactless debit card for transactions?

Simply look for the contactless symbol on the payment terminal or card reader, typically represented as four curved lines. When ready to pay, hold your card close to the terminal, ensuring the front is facing it. Wait for the payment to be authorized, which usually takes a few seconds. You will hear a beep or see a green light on the terminal to confirm a successful transaction. Remember to keep your card secure. Regularly review your statements for accuracy and detect any unauthorized activity.

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How do I know if a merchant accepts contactless payments?

Check for the universal symbol for contactless payments, often displayed on the merchant's door, checkout counters, or payment terminals. This symbol typically looks like a sideways Wi-Fi symbol or four curved lines. With the increasing popularity and adoption of contactless technology, more and more businesses are embracing this convenient payment method to provide customers with a seamless and secure transaction experience. It is estimated that there are between 70-80 million contactless-enabled merchant locations worldwide.

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Can I still use my contactless debit card if it gets lost or stolen?

If your contactless debit card is lost or stolen, you should immediately disable it by using your debit card controls through online/mobile banking and report it to our client service team at 1-888-677-7869. Once reported, we will then reissue you a new card within 7-10 business days, or you can stop by your Orrstown branch where we can reissue a new card the same day.

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Can I use my contactless debit card for online shopping?

Yes, you can. When making a purchase online, you will need to input your card details, including the card number, expiration date, and security code (CVV), just like you would with a traditional debit card. Once the transaction is authorized, the payment will be deducted from your account.

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Can I use my contactless debit card at self-checkout machines?

Yes, you can use your contactless debit card at self-checkout machines if it is contactless enabled. Contactless technology allows for a convenient and secure way to make purchases by simply tapping your card on the payment terminal. This feature is widely accepted at self-checkout machines typically found at supermarkets and other merchants.

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Can I use my contactless debit card at ATMs?

Yes, you can. Please note, when using a contactless card at any ATM, you will also need to enter your PIN. This serves as an extra security measure for verification purposes.

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Can I use my contactless debit card for recurring payments, such as subscriptions or memberships?

Yes, you can use your contactless debit card for recurring payments such as subscriptions or memberships. Contactless debit cards are designed to offer the same functionality as traditional debit cards, including the ability to set up regular, automatic payments. By providing the necessary card details to the subscription or membership provider, you can authorize them to charge your card on a recurring basis.

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What about recurring payments on my old debit card?

Recurring payments on your old debit card can still be processed, but it is important to update your payment information with the appropriate merchants or service providers. This will ensure a seamless transition of recurring payments to your new debit card. To update your payment information, log in to your accounts with the respective merchants and update your payment details. If you have any further questions or need assistance with updating your payment information, contact our client service team at 1-888-677-7869 or send them a secured message through online banking or the mobile app and they will be happy to assist you. You can also visit your local branch for assistance.

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Can I use my contactless debit card while travelling abroad?

Yes, you can. Orrstown’s contactless debit cards are widely accepted at merchant terminals worldwide that display the contactless symbol. It is estimated that there are between 70-80 million contactless-enabled merchant locations worldwide. However, it's always important to inform Orrstown of your travel plans to prevent any potential issues or card blocks while abroad. Please visit your local branch or contact our client service team at 1-888-677-7869. You can also send them a secured message through online banking or the mobile app if you plan on using your Orrstown contactless debit card abroad.

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Can I use my contactless debit card for contactless payments on smartwatches or other wearable devices?

Yes, you can use your contactless debit card for contactless payments on smartwatches or other wearable devices. As long as your smartwatch or wearable device is enabled with contactless payment technology and supports the same payment network as your debit card, in this case Mastercard, you can simply add your card to your device's mobile wallet or payment app and make contactless payments by tapping your device at compatible payment terminals.

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Are there any restrictions on where I can use my contactless debit card?

There may be certain establishments or locations where the contactless payment method is not available. For example, some small businesses or local shops may not have contactless payment terminals. Additionally, some countries or regions may have limited acceptance of contactless payments. Simply look for the universal symbol for contactless payments displayed at checkout counters or the payment terminal to determine if the merchant accepts contactless payments.

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Can I dispute a transaction made with a contactless debit card?

In case of any discrepancies or issues with a transaction, we encourage you to contact the merchant or our client service team at 1-888-677-7869, send them a secured message online/mobile banking or visit your nearest bank branch. Our dedicated team will assist you.

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Can I use my contactless debit card for contactless payments on public Wi-Fi networks?

No, you cannot use your contactless debit card for contactless payments on public Wi-Fi networks. Contactless payments require a secure and encrypted connection, which public Wi-Fi networks generally do not provide. It is recommended to make contactless payments only through trusted and secure networks.

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Can I disable the contactless feature on my debit card if I prefer not to use it?

No, there is no option to disable the contactless feature on your debit card. The debit card pin number can be created at the time of the card activation. If you have any questions on setting or changing your pin, call 800-290-7893.

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What if the terminal doesn't offer contactless payment method?

If your contactless debit card is not being recognized by a contactless payment terminal, there are alternative methods you can try to complete your transaction. In such cases, you can always insert your card into the terminal or swipe it, just like a traditional payment method. Most terminals are equipped to accept card insertion or swiping.

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How do I check my contactless payment transaction history?

To check your contactless payment transactions, simply log in to your online banking account or mobile banking app. From there, go to the main menu, select Accounts, select the account number associated with your debit card (mobile app users have an additional step to click on the word transactions). You can also access our 24-hour automated Telephone Banking service at 800-588-3092 and select option 2 for transaction history. Should you require any further assistance, please do not hesitate to reach out to our client service team at 1-888-677-7869, send them a secured message online/mobile banking, or visit your nearest bank branch.

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How do I add my contactless debit card to a digital wallet or mobile payment app?

Follow these simple steps to add your contactless debit card to a digital wallet or mobile payment app:

1. Locate and open the digital wallet app on your smartphone.

2. Look for the option to add a new card within the digital wallet app.

3. Choose the option to add a debit card from the available card types. Ensure you select the correct card type as there might be other options like credit cards or loyalty cards.

4. Align your debit card within the designated frame on your phone's screen. The app will utilize the camera to capture necessary card details automatically. Alternatively, you may choose the option to enter your card details manually.

5. Carefully review the information captured by the app or enter the details manually if necessary. Ensure the card number and expiration date are accurate. Enter the CVV/CVC number.

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What should I do if my contactless debit card is not working?

If your contactless debit card is not working, here's what you can do:

1. Make sure your card is activated and is contactless enabled. If it's a new card, activate it before use.

2. Clean your card with a dry cloth to remove any dirt or debris that may be affecting its performance. Avoid using liquids or abrasive materials.

3. Confirm that the payment terminal you're using supports contactless payments. In case it doesn't, resort to inserting or swiping the card.

4. When making a contactless payment, position your card close to the payment terminal, within 1-2 inches. Keep it away from other contactless cards to prevent any interference.

If none of these steps resolve the issue, update your card details and make sure your card is not expired. If the problem persists, please contact our client service team at 1-888-688-7869, send them a secured message online/mobile banking, or visit your nearest bank branch.

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How do I update my contactless debit card information if my name or address changes?

To update your contactless debit card information for a name or address change, contact the client service center at 1-888-677-7869 or visit a branch for assistance.

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What should I do if my contactless debit card gets damaged?

Log in online or through the mobile app and navigate to the card management tile. Select the debit card and the option to reorder. You can also reach out to Orrstown’s client service center at 1-888-677-7869, send them a secured message online/mobile banking, or visit an Orrstown branch nearest you and we will order a replacement contactless debit card.

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Is it safe to use a contactless debit card?

Yes, it is very safe. Contactless technology employs encryption making it difficult for hackers to intercept and decipher the data being transmitted. It also requires close proximity for transactions which means unauthorized users cannot remotely access your card's details.

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Are there any additional security measures for contactless payments?

Yes, Orrstown contactless cards come with additional security measures including:

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

If your contactless card is lost or stolen, update your card status online or through the mobile app, call Orrstown’s 24/7 automated telephone banking service at 800-588-3092, select option 5 to report a lost or stolen debit card. You can also reach out to Orrstown’s client service center at 1-888-677-7869, send them a secured message online/mobile banking, or visit an Orrstown branch nearest you.

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How do I protect my contactless debit card from being accidentally scanned or used?

Follow these steps to help safeguard your contactless debit card from accidental scanning or unauthorized use:

1. Keep your contactless card secure in a wallet or cardholder.

2. Utilize card lock located on the online/mobile banking card management tile. Click on manage card. 

3. Use a card sleeve or RFID-blocking wallet.

4. Utilize our debit card alerts and protections features online or through the mobile app

5. Tap or wave your card near the payment zone only.

6. Regularly monitor your account for any suspicious activity.

7. Report lost or stolen cards immediately.

8. Beware of phishing attempts and never share card details. 

9. Secure your devices with passwords or biometric authentication.

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How can I protect myself from card skimming or fraudulent activities with a contactless debit card?

Being cautious and proactive can help protect your contactless debit card from skimming and fraud. Here are some things we recommend:

• Keep your contactless card secure. Never share your card details.

• Stay informed by reviewing bank notifications about suspicious activity.

• Regularly check your statements to identify any unauthorized charges.

• Look for trusted merchants and contactless symbols when making payments.

• When using your Orrstown contactless debit card, keep it close and prevent others from seeing or copying your details.

• Control potential losses by utilizing the card lock service located on the online/mobile banking card management tile. Click on manage card.

• If fraud is suspected or unauthorized transactions occur, notify our client service team immediately at 1-888-677-7869, send them a secured message online/mobile banking or visit an Orrstown branch nearest you.

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Are there any security measures in place to prevent unauthorized use of a contactless debit card?

Yes, contactless debit cards have several security measures in place. They utilize advanced encryption technology to safeguard transactions and prevent interception. Transaction limits help prevent large unauthorized purchases, and fraud detection systems monitor for suspicious activity. Transaction alerts provide real-time notifications, and it's crucial for cardholders to keep their cards secure and report any loss or theft promptly.

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Can I trust contactless payments at all stores and businesses?

Yes. Contactless payments are secure and utilize near-field communication (NFC) technology to transmit encrypted payment information. This technology ensures that your card details remain protected during the transaction process. However, it is always a good practice to regularly review your transaction history and report any suspicious activity to your bank to ensure the utmost security. Call us at 1-888-677-7869 if you notice unauthorized transactions on your account.

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What is EMV?

EMV, which stands for Europay, Mastercard, and Visa, is a global standard for chip-based payment transactions. It is a technology that replaces traditional magnetic stripe cards with smart cards, also known as chip cards or EMV cards. EMV cards are embedded with a small computer chip that securely stores and processes payment information. This technology has several advantages for cardholders. Firstly, it provides enhanced security, making it more difficult for fraudsters to clone or skim card data. Secondly, EMV cards are more difficult to counterfeit, reducing the risk of fraudulent transactions. Additionally, cardholders benefit from increased convenience as EMV cards can be used globally, providing greater acceptance at card readers around the world. Overall, the adoption of EMV technology has significantly improved the security and usability of payment cards, ensuring a safer and more convenient experience for cardholders.

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Digital Payments

How do I add my Orrstown Bank Debit Card to Apple Pay ® ?

• Go to Wallet and tap Add Credit or Debit Card.
• Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, just enter its security code.
• Tap Next. Orrstown Bank will verify your information and decide if you can add your card to Apple Pay.
• After we verify your card, tap Next. Then you can begin using Apple Pay.

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What do I need to use Apple Pay?

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. Within websites in Safari, you can use Apple Pay on your iPhone, iPad, and Mac.

To use Apple Pay with Safari on a Mac model without built-in Touch ID, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

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How do I use Apple Pay?

You can use Apple Pay in stores, within apps, and on websites in Safari. When paying in stores with Apple Pay in some countries and regions, if your transaction exceeds a certain amount, you might need to enter your PIN. In some cases, you might need to sign a receipt or use a different payment method.

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How do I pay using Apple Pay?

• In-Store Purchase
  

To make an in-store purchase with your iPhone® just hold your device near the contactless reader with your finger while holding down Touch ID™. A subtle vibration and beep will confirm the transaction is complete. To make an in-store purchase with your Apple Watch, double-click the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete.

• In-App Purchase
  

To make a purchase in-app with your iPhone®, select Apple Pay as the payment option in the app and place your finger on the Touch ID.

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How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

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What if my iPhone, iPad, Apple Watch, or Mac is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call Orrstown Bank support to suspend or remove your cards from Apple Pay. 

How do I add my Orrstown Bank Debit Card to Google Pay ™ ?

• You can add one or multiple cards to Google Pay.
• To add a card with your Android phone:
• Open the Google Pay app. If you have multiple Google Accounts in Google Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.
• At the bottom right, tap +.
• Tap Add a credit or debit card.
• Use the camera to capture your card info or enter it yourself.
• If you’re asked to verify your card, choose a verification method from the list.
• Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after.

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Where can you use Google Pay?

You can pay with your Android compatible phone wherever you see one of these symbols.

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How do I add my Orrstown Bank Debit Card to Samsung  Pay ® ?

• Navigate to and touch Apps > Samsung Pay.
• Navigate to and touch ADD > Add a credit card or debit card.
• Align your payment card inside the frame. Samsung Pay will automatically detect the card number and expiration date.
• Enter any remaining required information. Then, touch NEXT.
• Review the Terms of Service. Then, touch AGREE TO ALL.
• To authenticate your identity, touch the desired verification method.
• Enter your signature. Then, touch SAVE.
• To complete the process, touch DONE.

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How do I get Samsung Pay?

Samsung Pay is automatically installed through a software update for eligible devices. Please visit the Samsung Pay site for a full list of compatible devices.

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How do I pay using Samsung Pay?

Once your eligible Orrstown Card is registered to Samsung Pay, you may activate the Simple Pay feature of Samsung Pay by swiping your screen from the bottom, just above the Home key, towards the top of the screen.

The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.

When you have the desired card selected, place your finger on the Home key to verify your fingerprint or touch ENTER PIN to enter your Samsung Pay PIN.

Samsung Pay will indicate that you are ready to make a payment.

For NFC Payments

Hold the phone above the NFC reader on the payment terminal

Align the camera with the NFC logo

The two devices should be almost touching

For MST Payments

Hold the phone closely to the terminal

Align the camera to face the magnetic stripe card reader

The two devices should be almost touching

Using Samsung Pay on the Gear S3

Simply press and hold the back key to launch Samsung Pay on your Gear S3

Rotate the bezel to select a card

Tap to pay at any NFC or MST terminal

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What if my Samsung device is lost or stolen?

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to try to find it. We recommend remotely disabling the cards from Samsung Pay.

We also recommend notifying your mobile carrier and calling the Orrstown Bank number on the back of your card promptly. Mention that you added your card to Samsung Pay so we can disable your card for use with Samsung Pay. If you locate your device, you will need to add your card back to Samsung Pay before making any Samsung Pay purchases.

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Digital Payments additional FAQs

Apple Pay
(Opens in a new Window) (Opens in a new Window) Google Pay
(Opens in a new Window) (Opens in a new Window) Samsung Pay
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What is a Mobile Deposit (RDA)?

RDA (Remote Deposit Anywhere) is a service that allows you to deposit checks remotely with your Orrstown Bank Mobile Banking application. Click here to learn more.

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How do I enroll in e-statements?
Enrollment is quick and easy. If you are an existing client with online banking and you have provided your email address to us, you can sign up for our FREE E-Statement. When you are logged in to online banking simply select E-Statement, Sign Up/Changes, and select the accounts you would like to enroll.
If you do not have online banking, you can stop in at your local branch or contact our Customer Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Client Service Team Member will contact you within two business days. And, as always, you can visit one of our 23 branches where our Bankers will be more than happy to assist.

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What is a Digital Payment?
Digital Payments lets you use your phone or laptop to quickly and securely pay with your Orrstown Bank Debit card. Digital Payments is a new technology that is also more secure than traditional (older) payment options. Shopping using a digital payment option is a great way to protect your account from unauthorized use. Please see our Digital Payments page for full details.

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Mobile App

How do you sort accounts on the dashboard?

The default is to list accounts alphabetically. So you could modify the account alias in NetTeller if you want a specific order for all accounts. If you just care that one particular account is listed first, you can go into that account, choose Settings, then Prioritize in Accounts. If multiple accounts have “Prioritize in Accounts” selected, those will then sort alphabetically.

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