RDA (Remote Deposit Anywhere)
How do I enroll into RDA ?
Enrollment is quick and easy. If you are an existing customer with personal online banking and you have provided your email address to us, you are automatically enrolled for this feature. If you do not have personal online banking, simply contact our Customer Service Center at 888-677-7869, 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 Customer Service Team Member will contact you within two business days.
Is RDA safe?
Yes, mobile banking uses the same security infrastructure as online banking and your data is encrypted using SSL (Secure Socket Layer) data encryption. Access to the application on your mobile device is also password protected. In the event your mobile device is lost, please note that no account data is stored on it.
How much does it cost?
RDA is currently a free service. Message and data rates may apply. Contact your wireless carrier for details.
What are the eligibility requirements for RDA?
Any personal customer, including Sole Proprietors, who maintain their accounts with the Bank in good standing.
Can I access my account from more than one mobile device?
Is there any reason that my check may not be accepted?
Yes. The system may be unable to read your check due to the handwriting, check condition, or photo quality. If that is the case, you will need to bring your check to an Orrstown Bank Branch.
When will my deposit be available?
Deposits are memo posted to your accounts after 10:00PM EST. To ensure same day posting, the deposit must be made prior to 3:00PM EST. Deposits made after this time and weekend deposits will be posted to your account on the next business day.
Will a hold be placed on my deposit?
Funds deposited through RDA are generally (fully) available within 1 business day. Our standard deposit hold policy applies.
How do I install the app on my mobile device?
Mobile banking with RDA 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. If you do not have online banking, please contact our Customer Service Center at 888-677-7869, Monday through Friday from 7:30AM to 7:00PM and Saturdays from, 8:00AM to 12:00PM, EST.
How do I make a deposit using Remote Deposit Anywhere?
- Launch the app, log in, and choose the Remote Deposit Anywhere Icon.
- Click on Deposit a Check
- Enter the amount of the check
- Take a picture of the front of the check
- Take a picture of the back of the check
- Click “Deposit”
What do I do with the check after it’s deposited?
Write the word “VOID” across the check(s). We ask that you securely store the paper checks with your confirmation number in a file marked “MOBILE DEPOSITS” for 30 days. Once the retention period has passed and you have confirmed that the deposit has been properly credited to your account via online/mobile banking or bank statement, you may destroy the check(s) (e.g. shred).
How do I know Orrstown Bank has received my deposit?
Upon submission of a mobile deposit you will receive a confirmation screen confirming your deposit has been received. You can also view recently submitted items (last 30-days) in the RDA transaction screen. Finally, you can also confirm your deposit in your account via online/mobile banking or on your statement after your deposit request has been processed. If we have an email address on your account, you will also receive an email confirmation that your deposit has been accepted. Mobile deposits are processed Monday – Friday after 10:00PM EST, with the exception of holidays. Items processed after 3:00PM EST are processed the following business day after 10:00PM.
How should I endorse checks that I submit through RDA?
Only your signature and the account number to which the deposit is being made to is required.
PLEASE NOTE: If the back of the check is not properly endorsed, Orrstown Bank reserves the right to reject the check for deposit.
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.
Activating is quick and easy. If you are an existing customer 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 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 Customer 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'.
No. This is currently a free service.
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.
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.
I have the latest mobile App and don’t see the Send Money Icon?
Sendmoney Icon will be enabled once you complete the first P2P transaction from NetTeller. If you already completed a transaction and still don’t see the P2P Icon, please contact us directly at 1-888-677-7869.
How long do payment deposits take?
Payments should take approximately two to three business days to be completed.
What if I forget what the Keyword was?
Access Sendmoney Widget My Account tab. The payment will be listed in a Pending Status. Hover your mouse over pending and the keyword will appear.
How can I Stop or Edit a payment?
Access Sendmoney Widget from the My NetTeller dashboard. Then click on the My Accounts tab.
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.
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.
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.
Can I send payments from my Savings account?
No, only payments from Checking accounts are allowed.
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 occur.
Instructions for resetting your password can be found by clicking here.
Online banking supports:
Microsoft Internet Explorer: Version 9 (minimum)
Mozilla Firefox: versions 17 and 18
Safari: version 5.1.7 only
Google Chrome: version Windows 8/7/Vista/XP
For added security, we recommend that you download the latest browser version, which supports 128-bit encryption.
You will need to check the security preferences within your browser software. Each browser is different. For Internet Explorer, you must be on a secured site to check the encryption. The settings are typically found under the File, Preference option on your toolbar.
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."
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.
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 Customer Service Center at 1-888-677-7869 during regular business hours.
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.
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.
How do I add or delete accounts to my existing online banking relationship?
Please contact our Customer Service Center at 1-888-677-7869 or by visiting any of our branch offices.
How do I add the optional Bill Payment service if I did not select it when I applied for online banking?
Please contact our Customer Service Center at 1-888-677-7869 or by visiting any of our branch offices.
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.
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.
Are payments processed on holidays?
No. Payments are processed at the first cutoff time following the holiday (3:00 a.m.).
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.
Are there any minimum or maximum payment amounts?
Yes. The minimum payment amount is $0.01. The maximum payment amount is $9,999.99.
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.
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.
On the Payment History page, how much history will be available?
Currently, payment history is kept for a year.
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.
Can I stop a payment?
Yes, by calling our Customer 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.
Can I get a copy of a cancelled check?
Yes, by calling our Customer Service Center at 1-888-677-7869.
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.
Can I post-date recurring payments?
Yes, but this must be done prior to the payment date.
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.
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.
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.
When will I be charged for the optional Bill Pay service?
Only business customers are charged for Bill Pay and then, only when they make more than 10 payments per month.
“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”.
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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No Action or enrollment is required for you to use this feature. If you are a customer with an active debit card, this feature will be available without an action within your Mobile application or within Online Banking.
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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 POS 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 (turning 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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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 Customer Service Center at 1-888-677-7869, Monday through Friday from 7:30AM to 7:00PM and Saturdays from, 8:00AM to 12:00PM ET.
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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Text Banking (SMS) allows you to access to your accounts via text messaging on your mobile phone. It's a fast, easy way to lookup account balances or recent history by sending a text command with a shortcode.
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SMS is Free. Message and data rates may apply. Contact your wireless carrier for details.
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Enrollment is quick and easy. If you are an existing customer with personal online banking, you will need to add the SMS option to your online banking dashboard by selecting ‘Options' then click on ‘Mobile Settings’ and select 'Text Mobile Settings' to enroll. If you do not have personal online banking, simply 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 Customer Service Team Member will contact you within two business days.
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Yes, you can use both options from the same phone. You will need to activate both options for your phone through your Online Banking prior to use.
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Is Text Banking (SMS) supported on my phone?
Text Banking (SMS) will work on any SMS message enabled phone.
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What are the Text Banking (SMS) commands?
Help – Returns command reference.
Bal – Balance for all enrolled accounts.
Hist – Last four transactions for all enrolled accounts.
Bal ‹mobile short name› – Balance for specified account.
Hist ‹mobile short name› – Last four transactions for specified account.Back to Top
Is SMS Text Banking Secure?
The information sent to you via SMS text messaging does not contain any personally identifiable information. The text messages will save the balances and account history you request. For security purposes, Orrstown Bank recommends you delete your Text Banking messages after you receive them. If your mobile device is lost or stolen, Orrstown Bank recommends you call your mobile provider to cancel service on the device.
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How do I cancel SMS Text Banking?
Access to Orrstown Bank’s SMS text messaging system can be canceled at any time by texting the word STOP or by calling the Customer Service Center.
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Telephone Banking is a free service that allows all customers 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.
Telephone Banking is free for all customers of Orrstown Bank.
All customers 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.
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.
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.
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.
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.
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.
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.
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.
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.
What is an eBill?
eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.
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.
How does autopay work?
Autopay will schedule a payment for you when your new eBill arrives based on your preferences.
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.
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.
What is a rush payment?
A rush payment can be used to send a payment to be delivered the next business day or two business days from the scheduled date. Fees will apply.
How do I rush a payment?
If you have a bill that’s too close for comfort to the due date, you can use the “Rush Delivery” link to select a guaranteed delivery option.
Can I track a rush payment?
Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.
Named after its original developers (Europay, MasterCard® and Visa®), EMV chip technology is the global technical standard for new “smart” credit cards and debit cards and the payment terminals and automated teller machines (ATMs) that accept them. In addition to “smart cards” or “chip cards,” you might also hear terms like “Chip and PIN” or “Chip and Signature” when people refer to EMV. This technology uses embedded microprocessor chips that store and protect cardholder data. These chips can be embedded in debit cards, like the new card you have (or soon will) receive from Orrstown Bank.
What are the advantages of EMV chip technology?
- Chip cards are extremely difficult to counterfeit and require special equipment to read, which greatly decreases the probability of fraud.
- Each chip card transaction is approved using a unique encrypted authentication code which helps prevent fraudsters from making additional purchases with stolen card data.
Why are chip card transactions more secure?
Chip card transactions offer you advanced security in-store and at the ATM by making every transaction unique. Using the EMV technology also makes your Orrstown chip card more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.
How does chip technology work?
An EMV-enabled device (like a terminal in a store, or an ATM) will communicate with the chip inside your Orrstown EMV chip card to determine whether or not the card is authentic. The terminal usually will prompt you to sign or enter your Personal Identification Number (PIN) to validate your identity. This process enhances the authentication of both the card and customer, effectively reducing the possibility that business will accept a counterfeit card. During a purchase, some merchants may (or may not) ask you to enter your PIN, depending on the type and amount of your transaction being processed. This behavior is perfectly normal and should not give rise to concern.
During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert your card instead. If you already know your chip card works at a store you visit, just start by inserting your card.
These basic steps will help ensure successful transactions:
- Insert your card with the chip toward the terminal, facing up. Do not remove until prompted.
- Provide your signature or PIN as prompted by the terminal. Some transactions may not require either.
- When the terminal says the transaction is complete, remove your card.
- When you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it, and
- Don’t forget to take the card out once the terminal tells you it is ok to do so.
But aren’t a lot of stores not accepting chip cards?
Merchants have some incentives to start investing in the technology required to allow customers to use chip cards in their stores.
- Liability shift: If a counterfeit magnetic stripe card is presented at a merchant using a chip certified terminal, the liability for the counterfeit fraud generally will be the responsibility of the card issuer; but, if a customer uses a chip card at a merchant that hasn’t had its terminals certified for chip card acceptance, liability for counterfeit fraud ultimately may shift to the merchant. Industry experts hope that this liability shift encourages greater adoption of the technology, since using it helps to better protect everyone.
- As more users adopt the technology, it is expected that fraudsters will start targeting those who haven’t adapted to the change – and fraud is expensive for everyone.
- Merchants adopting the new technology can get other cost savings benefits as well: certain fees ordinarily charged to the merchants may be waived.
What if the terminal doesn’t accept chip cards?
Your card still has a magnetic stripe on the back, so even if a terminal is not yet chip-enabled, you can use your card as you do today. This allows you to continue using your new cards wherever you shop while merchants are adapting to the new requirements.
Will my EMV debit card work at all ATMs?
Yes, your EMV debit card will work at both a chip-enabled ATM and at ATMs where only magnetic stripe transactions are accepted.
Will anything change during my online purchases?
No. You will use your chip card for online purchases by following the same process you do today.
Can I use my chip card outside of the U.S.?
Yes. Chip cards are widely used in outside the U.S., and they are accepted in more than 80 countries. Having a chip card may make it even easier for you to make purchases when you travel internationally.
Do I still have to notify you when I travel internationally?
Orrstown does recommend that you let us know when you are travelling overseas, or even in areas within the United States where you don’t normally use your card. This allows us to more easily identify when transactions might be fraudulent – and that is good for everyone!
Once ordered, your new card likely will take 7 to 10 days business days to arrive to you, via regular mail.
You can activate your EMV debit card with the Orrstown Mobile application or by calling 1-844-290-4126.
Will my card number change with EMV and why?
Yes, To enhance security your new EMV debit card will have a different account number, expiration date, and 3-digit verification code. Be sure to update all recurring payments associated with your old debit card, such as PayPal ®, gym memberships, utilities, E-ZPass, etc. A great way to ensure you don't forget to change any payments is to review your three most recent bank statements.
What about recurring payments on my old debit card?
Just like anytime you get a new card, don’t forget to update your recurring payments with your new card number, expiration date, and the 3-digit security code (located on the back of your card) where required.