Frequently Asked Questions

Q: What is Crest Financial Bank's routing number?

A: Our routing number is 053012582.

Q: How do I open an account?
A: You can either stop by one of our locations or get more information by submitting an inquiry form through our website for the product you are interested in.

Q: What accounts can I apply for online?
A: While we do not accept online applications, you can start the process by submitting the inquiry form online and one of our Local Bankers get in touch with you to help find craft the perfect solution to meet your financial needs!

Q: Can I get information about my account by phone?
A: Yes, you may obtain account information through your Local Banker or our Client Service Center during business hours.

Q: Are wire transfers possible to and from my account at Citi Standard?
A: Your funds can be transferred to and from accounts by a wire transfer. Contact our Client Service Center at 1-800-592-6248 for more details. Please be advised that there are fees involved when sending and receiving wire transfers. Provide the Citi Standard Incoming Wire Transfer Instructions to your external financial institution and they will be able to assist you with getting the wire transfer sent to your Citi Standard account.

Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit, ATMs, Online Banking, Mobile & Text Banking, Mobile Wallet, and Mobile Deposit, everyday banking activities can be performed on your own time. Contact us with questions about any of your banking needs.

Q: Can I look at all of my transactions at any time?
A: Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?
A: Account information is updated every business day with new transactions that occurred on your account the previous day.

Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking online or by using direct deposit, our ATM, or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits as well as Mobile Deposit. Contact us for details on a method that's best for you. For bank-by-mail use the following address:
Crest Financial Bank
Attn: Retail Department
PO Box 37389
Charlotte, NC 28237

Q: I didn't receive my 1099. Can I see it online?
A: At this time 1099's are currently not available through our Online Banking. Our 1099's are mailed out the last week of January. If you did not receive a 1099, please contact our Client Service Center at (800) 592-6248 in order to obtain a duplicate copy.

Q: I've moved. How do I change my address?
A: The easiest way to notify us of an address change is through your Online Banking. Once you have logged in, use the "Contact Us" link in the upper right hand corner to send us a secure message instructing us to change your address. If you do not have Online Banking, please contact our Client Service Center at (800) 592-6248 or info@Citi to request access.

Q: What is your mailing address for loan payments?
A: All payments should be mailed to:
Crest Financial Bank
Attn: Loan Department
PO Box 37389
Charlotte, NC 28237

Q: I need to provide personal financial statements. Where do I find the forms?
A: Please complete the Personal Financial Statement Form and the Certification of Financial Statement Form.

Q: How can I obtain a payoff statement?
A: You can obtain Loan Payoff Statement by faxing your request along with the borrower’s authorization to 704-943-5788 – Attn: Loan Department

Q: Can I make a payment to my loan by telephone with a debit or credit card?
A: At this time we do not accept payment by telephone with a debit or credit card.

Q: Are my deposit accounts FDIC insured?
A:  Basic insurance coverage for deposit accounts (checking, savings, and certificates of deposits) is $250,000. There are ways to qualify for more than the $250,000 basic insurance coverage limit based on different categories of ownership.

When determining your deposit insurance coverage, you must consider all deposit accounts maintained in the same right and capacity at different branches or offices of the same insured depository institution. The combined amounts you have on deposit with Century National Bank, Fairfield National Bank, First-Knox National Bank, Crest Financial Bank, Richland Bank, Second National Bank, Security National Bank, Park National Bank of Southwest Ohio and Northern Kentucky, United Bank, and Unity National Bank, are divisions of The Park National Bank and are considered insured by the same insured depository institution, namely Park National Bank. Basic insurance coverage for deposit accounts (checking, savings, and certificates of deposits) is $250,000. There are ways to qualify for more than the $250,000 basic insurance coverage limit based on different categories of ownership.

Effective April 1, 2006 FDIC insurance coverage was increased to $250,000 for retirement accounts – the combined total of the traditional and Roth IRAs (Individual Retirement Accounts), self-directed Keoghs and certain other retirement accounts an individual may have on deposit at an FDIC-insured bank or savings institution. In general, self-directed means the consumer chooses how and where the money is deposited. Note: FDIC insurance coverage for self-directed retirement accounts applies primarily to certificates of deposits or “CDs”, which are deposit accounts typically held for anywhere from one month to five years. These accounts also are insured to $250,000 separately from any other deposits you may have at the same institution.

For more information about insurance coverage limits and how to qualify for more insurance coverage, ask us for the FDIC brochure, “Insuring Your Deposits” or go to the FDIC web site: The FDIC has a tool “electronic deposit insurance estimator (EDIE)” that you can utilize to assist you in obtaining a summary of your FDIC coverage amounts.