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FAQs

Accounts
How do I sign up for Bill Pay?

How do I sign up for e-Statements?

What is Popmoney®?

How do I sign up for mobile banking?

What phones work with mobile banking?

Where do we go to order Checks from Deluxe? 

Can I transfer to/from another bank?
Is there a notary here? What do we charge for it?
What are your CD rates?
I think there’s been fraud on my account. What do I need to do?
Mortgage
How do I know how much house I can afford?
What is the difference between a fixed-rate loan and an adjustable-rate loan?
How is an index and margin used in an ARM?
How do I know which type of mortgage is best for me?
What does my mortgage payment include?
How much cash will I need to purchase a home?
What do I do if I want to make additional principal payments on my mortgage?
Who do I talk to about my escrow account?
How much are closing costs?
Do you offer Auto-Pay?

 

Account Answers

How do I sign up for Bill Pay?

Click here for easy to use instructions

How do I sign up for e-Statements?

Click here for easy to use instructions

What is Popmoney®?

Popmoney® is an electronic payment system that allows you to send and receive payment using cell phone number, email, or banking information.

How do I sign up for mobile banking?

Sign into internet banking and click the options button at the top of the page. Under the Mobile Banking Profile click on manage devices. Another tab or window will open. Click add a new device and follow the prompts.

What phones work with mobile banking?

All Android and iPhone devices will work with our mobile app.

How can I reorder checks?

You can reorder checks from Deluxe by clicking here.

Can I transfer to/from another bank?

We offer recurring Automatic Transfers from one bank to another. This can be set up for you at a local branch.

Is there a notary here? What do we charge for it?

A Notary Public is available for current customers at each of our offices during business hours free of charge.

What are your CD rates?

You can view our current rates any time by clicking here.

I think there's been fraud on my account. What do I need to do?

During business hours please contact one of our helpful staff members at the Price Hill office at 513-921-1465. If it is after business hours please call (800) 528-2273 or email at ftpsls@cmcone.com.

Mortgage Answers

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate is usually lower and changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How is an index and margin used in an ARM?

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Two commonly used indices are the One-Year Treasury Bill and the London InterBank Offering Rate (LIBOR).

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. We can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

How can I make additional principal payments on my mortgage?

You can make a principal only payment in person, by mail or online with a CF checking account. If you decide to do this in person or by mail please be sure to specify that it is principal only. You also can make a principal payment online through internet banking by clicking express transfer. Make sure the correct accounts are selected for the transfer and that the payment type states principal payment. Click submit to complete the transaction.

Who do I talk to about my escrow account?

To speak with someone about your escrow account please contact our Loan Servicing Department at 513-574-3025.

How much are closing costs?

We often run closing costs specials. For more information contact one of our knowledgeable mortgage consultants today.

Do you offer Auto-Pay?

We do offer auto-pay. If you are a current customer please contact a local branch to sign up. If you are currently looking to purchase or refinance a home speak with one of our friendly mortgage consultants about autopay specials.