Frequently Asked Questions

Mobile Deposit FAQ

Frequently Asked Questions

Q.  When using Mobile Deposit, are check images stored on my phone?

No. As a security precaution, no check images are stored on your mobile device. If using an iPhone or Android phone app you can see 180 days of history, including status and check images.

Q.  Which devices support Mobile Deposit?

iPhone® or Android™ smartphone or an iPad® tablet (does not currently support Android Tablets or the Kindle Fire).

Q.  Can I request a higher Mobile Deposit limit?

You may contact Home Savings Customer Care Center with this request at 1.888.822.4751, option 2.

Q.  Are there any special instructions to follow when taking a picture of a check for mobile deposit?

Follow these guidelines for successful deposit capture:

  • Hold the device in a horizontal position.
  • Place the check on a dark background.
  • Avoid shadows.
  • Make sure all edges show and the amount is visible.
  • Endorse the check.
  • Write “For Mobile Deposit” below the endorsement.

Q.  Will I be able to see my deposited items in my account?

The transaction will appear in the account history after a successful deposit. If using an iPhone or Android phone app you can see 180 days of history, including status and check images. Images are available for pending or accepted deposits.

Q. When will my deposit be in my account?

Deposits received prior to 4:00 p.m. local time on a business day will be available at the start of the next business day.  Deposits received after 4:00 p.m. on a business day will be available at the start of the second business day. Deposits received on a non-business day will be available at the start of the second business day.

Q. Why isn’t my deposit showing in my account (during the specified time frames)?

There is a possibility that the item was rejected. An email notification will be sent to the email address that we have on file. Keeping your email address up-to-date is very important so you can receive information from us on a timely basis, especially if you are enrolled in any of our electronic services. You can update your email address within Online Banking.

Q. Why was my deposit denied?

Deposits can be denied for various reasons, including but not limited to:

  • Check was not properly endorsed (Signatures were missing or did not have “For Mobile Deposit” under the endorsement.)
  • Check was illegible.
  • Check was already deposited and is a duplicate.
Text Banking FAQ

Text Banking FAQ

Q.  How secure is Text Message Banking?

Our Text Message Banking service is secure. You can activate the service only after logging into our internet banking site. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Q.  Will I be charged for Text Message Banking?

We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Q.  Will Text Message Banking work on my phone?

Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

Q.  Which carriers do you support?

Our Text Message Banking service works on all major mobile providers in the U.S.

Q.  How do I deactivate the Text Message Banking service?

You can text back "stop" to 454545 on your activated cell phone, or you can return to the mobile banking page in online banking and click the "deactivate" link next to your mobile device number. Your phone will no longer receive any text messages from Online Banking. You can add a new phone at any time if you change your mind later.

Q.  Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging. Find more information on identification verification.

Q.  Where do I find my activation code?

During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device. You should receive a text message with your activation code within a few minutes.

Q.  Can I come back later to enter my activation code?

Yes you can. If you experience difficulties we recommend that you go through the setup process again and get a new code.

Q.  I still have not received my code, what do I do?

It might take several minutes to receive your code. If you feel you have waited long enough you can click the "resend code" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.

Q.  What is a "primary text banking account?"

Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will want to check the most often. You can get all account balances by texting BAL ALL to 454545.

Q.  Can I get the balances of all my other accounts?

Yes – when you text "BAL ALL" to 454545, we will reply with a message containing the balances of all your checking, savings and credit card accounts.

Q.  Can I change the primary text banking account later?

Yes you can, simply by clicking the "my profile" link in online banking, and then choosing the "alerts & notifications" link.

Q.  Are there any shortcuts for the keywords?

Yes. The keywords are:

  • STOP =Deactivate service
  • HELP = Help on keywords
  • BAL = Primary account balance
  • BAL CHK = Checking account balances
  • BAL SAV = Saving account balances
  • BAL ALL = All account balances
  • LAST = Last 5 transactions

Q.  Are keywords case sensitive?

No, keywords are not case sensitive. You can type help or HELP.

Q.  What is the number I should send keywords to?

The short code is 454545. This short code will only work if you have activated the Mobile Text Banking Service.

Q.  How long does it take to get a text message?

You'll receive a text message response usually within a minute. Exact timing will depend on your mobile service carrier.

Q.  Is there any password needed for Mobile Text Banking?

You don't need a password to access your account information via text message.

Q.  I have a new mobile phone number. Can I change or add my number online?

Yes, you first need to deactivate your cell phone and add your new cell phone number. You can do this within alerts and mobile set up inside online banking.

Custom Debit Card FAQ

Custom Debit Card FAQ

Q.  How do I choose my card design?

Creating your custom debit card is easy, just follow these simple instructions.  Your computer must have Adobe® Flash® player in order to use the online card ordering system.

Q.  How do I upload my own photo and design my card?

  • Step 1: Choose Background
  • Step 2: Customize your Design
  • Step 3: Enter your Information
  • Step 4: Submit your Order

NOTE: The cardholder information is needed to link your new card to your checking account.  Be sure to include your email address and phone number in case we need to contact you about your order.

Q.  How do I know that the picture I chose will work?

Uploaded images must meet these criteria:

  • File Format: JPG, GIF, PNG, TIFF, or BMP
  • Image Dimensions: minimum of 480 by 480 pixels
  • Resolution: minimum of 300 dots-per-inch (DPI) – 600 DPI is recommended for best quality
  • File Size: cannot exceed 4 megabytes (MB), or 4,000 kilobytes (KB)

Use a high quality photo from your digital camera - the better your photo the better your card will look. Low resolution photos, photos that are too small in dimensions, scanned photos, photos that are resized/stretched, and/or very dark or very light photos will not produce a quality card image.

Q.  What if I don't have a digital image?

You can take your printed photo to a local retailer that offers photo services, and ask them to scan the image for you.  Or, if you have a scanner at home, you can do that too.  Just be sure to save the image as specified above.

Q.  How does my photo get approved?

Every card order is reviewed for acceptable image content. VISA® reserves the right to approve all images submitted for custom cards. For full details regarding card usage, costs, and acceptable image content, please see the Terms & Conditions.

Q.  How will I know if my photo doesn't get approved?

You would receive an email within two business days if your image was not acceptable. Therefore, it is important that you give us a valid email and phone number when ordering the card.

Q.  How long does it take to receive my new card?

The card will be delivered to you within 7-10 working days.  Your old card will be deactivated once the new card is activated and used.  Be sure to destroy your old card.

Q.  How much does the personalized card cost?

The cost per card will be $10, which is automatically deducted from your checking account.

Q.  What if I already have a Home Savings debit card?

You are still welcome to order a custom image card.  Once you receive and activate your custom debit card, your old card will be deactivated, so be sure to destroy it.

Q.  What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card.  If you'd like a new image, you'll need to order a new card before the expiration date. If you upload a new image, you will be charged $10.

Q.  How will I receive my personalized card?

Your card will be mailed to you via the US Postal Service. Your PIN mailer will arrive separately for your security.

Q.  How do I change my card image?

To change your card image you must order a replacement. This means you'll get a new card number, three-digit security code and PIN. The card fee of $10 will apply.

Q.  What if I pay a recurring bill using my debit card?

When your new card arrives, contact all vendors who initiate the bill payment and switch the transaction over. If you use the card to shop online be sure to update your existing online accounts.  All new custom debit cards come with a new card number and three-digit security code on the back.

Q.  What if I get an error while ordering my card?

It's best if you have a current version of your internet browser so that the upload feature will be supported.  Unfortunately, we cannot provide technical guidance when ordering your image card because there are too many variables that might affect your ability to upload a photo.

Contest Rules

Contest Rules

Home Savings Branch Office General Contest Prize Drawing Rules and Regulations

  1. NO PURCHASE NECESSARY TO WIN.

    Contest open to all US residents 18 years of age and older. Limit one entry per person by whatever means obtained.
  2. HOW TO PLAY.

    Complete an entry form at the office conducting the specified prize drawing and you will automatically be entered into the drawing. You may also mail your name, address and telephone number on a 3" x 5" card by the deadline indicated to the Home Savings office conducting the drawing. All forms must be received by 5:00 p.m. at that office on the specified date. No other forms of entry are valid. All forms must be legible with all required information completed; Home Savings is not responsible for illegible, damaged or misdirected entries.
  3. HOW THE DRAWING IS HELD.

    All completed forms will be placed in an entry box. The first properly completed form drawn on the specified date will win the prize. Home Savings reserves the right to alter the prize with one of the same or greater value, if necessary. Prizes are non-transferable. Odds of winning are dependent upon the number of entries received. The winner is responsible for any taxes that may apply. The retail value of the prize may be reported as miscellaneous income under IRS regulations and the winner issued a 1099-MISC for tax purposes.
  4. WINNERS.

    The winner will be contacted within seven (7) days of the drawing. By participating in this contest, the winner consents to the use of his or her name and/or likeness for advertising without additional compensation.
  5. VERIFICATION.

    All entries are subject to verification and will be void if tampered with or if duplicate entries are submitted. All decisions of Home Savings are final. Employees and directors of Home Savings, their agencies and immediate family members are not eligible to win.

Facebook General Contest Rules

  1. NO PURCHASE NECESSARY TO WIN. 

    Contest open to all US residents 18 years of age and older. Limit one entry per person by whatever means obtained.
  2. HOW TO PLAY. 

    Submit an entry by the means specified in the contest format. You may also mail your name, address and telephone number on a 3" x 5" card by the deadline indicated to the Home Savings Corporate Office, PO Box 1111, Youngstown, OH 44501-1111. No other forms of entry are valid. All forms must be legible with all required information completed; Home Savings is not responsible for illegible, damaged or misdirected entries.
  3. HOW THE WINNER IS DETERMINED. 

    All properly-submitted entries will be included in the drawing.  Winner(s) will be randomly selected at the time specified for each contest.  Odds of winning are dependent upon the number of entries received.  The winner is responsible for any taxes that may apply. The retail value of theprize may be reported as miscellaneous income on a 1099-MISC under IRS regulations if the value of the prize is $600 or more, or if the winner's aggregate annual prize winnings meet the prize value criteria. 
  4. WINNERS. 

    The winner will be notified by email or telephone as specified within the individual contest rules. By participating in a contest, the winner consents to the use of his or her name and/or likeness for advertising without additional compensation.
  5. VERIFICATION. 

    All entries are subject to verification and will be void if tampered with or if duplicate entries are submitted.  All decisions of Home Savings are final.  Employees and directors of Home Savings, their agencies and immediate family members are not eligible to win.

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