Frequently Asked Questions 

 

 
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How do I apply for an AmTrustDirect.com account?
Applying for an AmTrustDirect.com CD account is quick, easy and convenient. The only requirements are a valid social security number, United States driver's license, United States postal address and a personal checking or savings account at a U.S. bank. In a few easy steps, you can apply for your account online. You do not need any special software or hardware. If you have questions, please call our Customer Contact Center at (888) 228-8146.
 
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What documents/information will I need to apply for an AmTrust Direct account?
You will need the documents and information listed below before you start the application:
  • Social Security Number
  • Valid Driver's License, State-Issued Identification or U.S. Passport
  • Email address
  • Co-Applicant information, if applicable
  • Beneficiary information, if applicable (name and date of birth)
  • To fund your account by electronic transfer from another account, you will need to provide the 9-digit bank routing number and the account number listed on your checks or deposit slips

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Where is the routing number on my check?

The sample check below shows where routing numbers can be found on your checks.


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Are there any eligibility requirements to open an AmTrust Direct account?
Yes, the following eligibility requirements apply when opening and AmTrust Direct account:
  • You must be at least 18 years of age to apply.
  • All applications are subject to a review of past account handling and verification of the information provided.
  • AmTrust Direct verifies identification and submits new account applications to a Credit Bureau background check. By applying for a new account, each account applicant consents to AmTrust Direct obtaining a credit report and verifying his or her background information. AmTrust Direct reserves the right to not open an account that has inconsistencies found in the information provided on the account application, from the background check, or if substantial derogatory information exists in a credit investigation.
  • AmTrust Direct must be able to successfully process your initial deposit. You will be notified by mail if your account request cannot be processed.

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Are there any limitations to the types of accounts I can open at AmTrust Direct?
The following account types cannot be opened online: business accounts, accounts opened by power of attorney, accounts in the name of a trust or trustee, and accounts under the Uniform Gifts to Minors Act or similar statutes.

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Does AmTrustDirect.com offer IRA accounts?
AmTrustDirect.com does not offer IRA CDs.

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Can I fund my CD account with a check?
No, accounts can only be funded by an ACH or internal transfer.

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Are the CDs on AmTrustDirect.com fixed rate CDs?
Yes, the CD will earn interest at the APY (Annual Percentage Yield) disclosed at the time of application, and the rate will remain constant over the entire CD term.

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How do I know when my new account is opened?
Opening a CD account on AmTrustDirect.com is simple:
  1. Complete the online application, where you will select an initial funding option. You can have the funds withdrawn from a checking or savings account with another bank as an Automated Clearing House ("ACH") transaction, which is electronic.
  2. Once the CD is open, we will send you a confirmation letter with your account number via U.S. mail. Allow 5 to 7 days for the letter to arrive.

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How do you keep my information and account secure?
We take your security and privacy very seriously and always go the extra step to protect your information and your money. We utilize the industry-standard technology and procedures to ensure the safeguarding of information submitted via AmTrustDirect.com. For complete details, review our Security Statement.

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How do I login to view my account?
To login and view your account information, you'll need the user ID and password set up when you opened your account. Never provide this personal information to anyone. You can go to www.AmTrustDirect.com and login from the homepage.

If you opened a joint account, both you and the joint account holder will have your own unique user ID and password. Although you share an account with only one account number, you will still each have your own login information.


 
What browsers and versions are supported for Online Banking?
To access NYCB Online, we recommend utilizing updated versions of commonly utilized browsers, such as Chrome®, Firefox®, Internet Explorer® or Safari®. You can use any computer or device that has Internet access. 
 
 
If you forgot your password, click the "Need Help Logging In?" link located underneath the login.
 
 
 
 
How often will I receive statements for my CD account?
You will not receive a statement. If you chose to have the interest accrue to the CD, information for the CD will be provided when we mail a pre-renewal notice approximately 30 days prior to the CD maturity date. You may obtain CD information over the phone by calling our Customer Contact Center at (888) 228-8146.

Whenever you like, you can view your CD information online at www.AmTrustDirect.com. Just login directly from our homepage to view your account. If you forget your user ID or password, call our Customer Contact Center at (888) 228-8146.

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Will AmTrust Direct remind me of the maturity date on my CD?
Yes, we will send you a notice approximately 30 days prior to maturity, including information on how to renew. To renew your CD, you can visit us online at www.AmTrustDirect.com. Click on the Renew Your CD button on our homepage and follow the instructions.

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Can I add money to my CD once it has been opened?
No, you may not add money to your CD prior to the maturity date once it is opened.  You may add money or change the term or rate of your CD account for up to seven (7) days after maturity without penalty. We mail a CD pre-renewal notice to you with instructions for renewal, about 30 days before your CD maturity date. If you do not take action by the last day of the grace period, your CD will automatically renew, at the standard rate that applies to the term of your CD.

When renewing your CD online, your new CD will renew with the same interest disbursement frequency and method as your expiring CD. Any addition to or withdrawal from a CD must be done by submitting a written request postmarked by the last day of the grace period, that includes your name, account number, current term, amount of the CD, and your instructions for either re-investing full or partial funds to: AmTrust Direct, PO Box 233, Westbury, New York 11590. For additions to your CD account, please enclose a check made payable to AmTrust Direct in the amount you would like added to your account. You may not see the additional funds reflected online in the CD balance for up to 10 business days, due to mailing delays that are beyond our control. However, the interest earned on the CD will assume the additional funds were deposited on the first day of the new term for the renewed CD, so there will be no loss of earned interest if additional funds are mailed to us.

Online renewals made on a non-business day or after 8:00 p.m. Eastern Time on a business day, Saturday, Sunday or Federal holiday will be effective on the next business day. If a grace period ends on a Saturday, Sunday or holiday, renewals, deposits or withdrawals must be made on or by the business day immediately preceding the end of the grace period. Our business days are Monday through Friday, excluding holidays.

How do I close my AmTrust Direct CD?
To close your AmTrust Direct CD, please login to online banking, click the messages link and send us a secured message with the account number and instructions on how to send the funds such as to mail check or deposit into another AmTrust account.

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How do I make deposits to and withdrawals from my Earn>More Money Market Account?

After making your initial deposit by electronic transfer, you can link your Money Market with accounts you hold at other institutions. Once a link is set up, you simply login to your account at AmTrustDirect.com where you can easily transfer* money between your AmTrust Direct account and your linked accounts at other financial institutions.

*Fees and Limitations may apply.

What is a linked external account?
A linked external account is an account that you hold at another financial institution and that you designate for online fund transfers* into and out of your Earn>More Money Market account.
 
*Fees and Limitations may apply.

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What is the routing number for AmTrust Direct?
AmTrust Direct's routing number is 226071004.

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How long does it take for money I transfer from my Earn>More Money Market account to appear in my linked external account?
You can expect money you transfer* from your Money Market account to appear in your external account within two business days. However, the exact timing will depend upon the processes of the other institution.
 
*Fees and Limitations may apply.

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How long does it take for my confirmation deposits to show up in my external account?
Confirmation deposits should show up in your external account within two to four business days.

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What is the latest time I can schedule a transfer to occur the next day?
If we receive your transfer request by 4:00 p.m. Eastern Time, your transaction will be processed the same business day. If we receive your transfer request after 4:00 p.m. Eastern Time, it will be processed the next business day after you submitted the request.

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Can I link more than one external account?
Yes.

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How often will I receive a statement?
You will receive a monthly statement for the Earn>More Money Market, My Community e-Money Market or My Community e-Savings account when there is activity on the account within the month. Otherwise, you will receive a statement quarterly.

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Are there limits on the number of withdrawals or deposits that I can make?
There is no limit on the number of deposits you can make each month. However federal regulations require us to limit the number of withdrawals and transfers from the Earn>More Money Market account to six per monthly statement cycle.

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How do I set up my AmTrust Direct Earn>More Money Market account as a linked account with another financial institution from their site? 
When linking your AmTrust Direct Earn>More Money Market account to an account at another financial institution, you will need to set-up your Money Market as a "checking" account. Otherwise, any transactions to or from your AmTrust Direct Money Market account will not be processed.

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Is it difficult to register for bill payment?
Actually, it couldn't be easier. Once you log in, click on the Pay Bills tab to enroll. Only money market accounts** that offer check writing can be used for bull payments.
 
**There may be transactional limitations on money market accounts. Please see your account disclosure for more information.

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Who can I pay with the bill payment system?
You can use our bill payment service to pay anyone (in the United States) you would normally pay using checks. This includes charge accounts, auto loans, professionals, utilities, even a relative. However, tax payments and court directed payments cannot be processed with the bill payment system.

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Can I use bill payment when I'm out of the country?
Yes! Bill payment is an excellent way to make sure your bills are being paid while you're traveling. All you need is access to a secure Internet browser and you can pay your bills from anywhere.

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What happens if I pay my bills on the weekend or on a holiday? 
You can set up your payments anytime, but like regular banking, these payments will not be processed until the first business day after a weekend or holiday.

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Can I schedule recurring payments? 
Yes. You can schedule your payments to best suit your lifestyle. Payments can be set up on a weekly, monthly, quarterly, or annual basis.

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Can I cancel a pending bill payment? 
You can cancel any payment that has not started processing. After you cancel a payment, its status changes to Cancelled and it is not processed. Canceled payments appear in the Recent Payments section of the Payment Center.

Note: If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled. You do not cancel any future payments in the payment schedule. To cancel all payments in an automatic payment schedule, go to Manage My Bills and delete the automatic payment.

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What are Bill Payment Reminders? 
Bill payment Reminders is a helpful tool to assist you with managing your bills.

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How do I set up Bill Payment Reminders? 
Login and visit the Pay Bills tab. Click on the Set Up Reminders link located in the Bill Reminders section of the page.

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What are e-Bills? 
An electronic bill, which is also called an e-Bill, is a bill that you can view and pay online at the Payment Center. It typically contains the same information as a paper bill or statement.

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How do e-bills work with NYCB Online Bill Pay? 
We can receive e-Bills from hundreds of companies nationwide. When you add a company that can send e-Bills, a Get Bills icon appears next to the biller name in the Pay Bills section of the Payment Center. Click the icon to go to the Add an e-Bill page. Enter the information that your biller requires to set up e-bill service, and we send your request to the biller.

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What is Popmoney®? 
Popmoney is a service that allows you to send or receive money securely to any individual with an email address or mobile phone number.

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How does Popmoney work? 
After registering, you create a contact list using the person's mobile number, email address, and or bank account information. Once a contact is created, you are able to send them a personalized message with the amount of money you are sending or requesting. The recipient receives that information and instructions on how to have it deposited into their account. If you send money using the other person's bank account information, it will deposit it directly into their account and alert them that it has been deposited.

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How is Popmoney different from other payment services? 
You can send and request money electronically to/from friends and family without account information.

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Is Popmoney available outside of the United States? 
No, currently Popmoney is only available for use between registered users residing within the United States.

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How does a person accept a payment through Popmoney? 
The recipient will have ten days to provide Eligible Transaction Account information, if they have not done so already. If they exceed the ten day limit, the funds will be returned to the sender and the recipient will have to request another transfer.

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Popmoney is a registered trademark of Fiserv, Inc., of its affiliates. Terms and conditions apply.