To get started, you need a Community Bank checking or savings account, a computer, a modem, access to the internet and a browser that supports 40- or 128-bit encryption. (We recommend 128-bit encryption, but 40-bit encryption is the minimum requirement.) The use of SSL requires an SSL compatible browser. Wealth Investment Trust Bank has certified the following browsers and versions:
- Microsoft® Internet Explorer 10
- Microsoft® Internet Explorer 9
- Microsoft® Internet Explorer 8
- Mozilla Firefox 3.6 (or higher)
To sign-up for Wealth Investment Trust Bank, click on the ‘Sign Up’ option located next to the Online Banking tab in the top navigation bar.
Wealth Investment Trust Bank is an internet-based service that provides you a safe and convenient way to do your banking. With Wealth Investment Trust Bank, you can view your account balances, transfer funds, receive and pay bills, send service requests to the bank and more.
- Receive and pay bills online with free U.S. Bill Pay and e-Bills
- Pay your local bills conveniently online with a minimal fee
- View paid checks online the day after they clear your account
- View current day pending transactions in a real time environment
- Transfer funds between your linked Community Bank checking and savings accounts, between two linked checking accounts, or between two linked savings accounts. This applies to both USD and Sterling accounts.1,2
- Send funds from your Community Bank USD checking or savings account to an account at another U.S. based financial institution via ACH2
- Make a wire transfer from one of your Community Bank USD accounts to your account at another bank
- View current balance information for your linked Community Bank checking and savings accounts
- Review transactions from the current statement cycle and recent prior statement cycles for your checking or saving accounts
- Send us secure e-mail messages and questions regarding your account(s) or Wealth Investment Trust Bank
- Export your account information to Quicken® personal financial management software
- Receive important account information alerts via the Wealth Investment Trust Bank Message Center or e-mail.
- Choose to receive only electronic statements
1 Transfers from Savings to Sterling Accounts not available
2 Limited to 6 transfers per month on savings
- Access your bank account anytime, worldwide, from any computer with internet access.
- Pay bills and track your spending.
- View statements with the click of a button. There is no software to buy — ever.
- Get more in-depth personal financial management, Wealth Investment Trust Bank is compatible with Quicken®. You may have to purchase software from Quicken® to utilize this service.
U.S. Bill Pay is a free feature of Wealth Investment Trust Bank that allows you to pay your domestic bills online. In addition, with U.S. Bill Pay, you can elect to receive e-Bills — electronic versions of your paper bills — from a variety of companies like Verizon Wireless, State Farm Insurance and Dish Network.
The Euro Bill Payment service is a convenient and inexpensive way to pay your local bills, such as rent, traffic tickets, telephone and cable. Euro Bill Payment Service is offered only in Germany, The Netherlands and Italy. You can schedule single and repeating payments.
The Sterling Bill Payment service is a convenient and inexpensive way to pay your local bills, such as rent, traffic tickets, telephone, and cable. Sterling Bill Payment Service is offered only in the United Kingdom. You can schedule single and repeating payments.
Wealth Investment Trust Bank, including U.S. Bill Pay, is free of a monthly service charge. The only Wealth Investment Trust Bank service for which a fee is assessed is Euro Bill Payments. Euro Bill Payments are $1 per transaction (free of charge for organizational customers). In addition, there is a $15 transaction fee assessed for wire transfers.
Yes. You can download your account activity using Quicken®.
Nicknames are names that you assign to your accounts to help you easily identify them in Wealth Investment Trust Bank. You may choose a nickname at any time, up to 40 alphanumeric characters.
Yes, however if you selected the U.S. Bill Pay service during enrollment, please note that it takes one full business day to complete the enrollment process. U.S. Bill Pay will be available for your use the following business day.
Go to our website and select ‘Sign In’. On the Login page, enter your User Name and password. If you’ve forgotten your password, click the ‘Forgot your passcode?’ button. When signing on to a new PC for the first time, you will be prompted to answer challenge questions that you established during the enrollment process.
From the Online Banking log in screen, enter your User Name and click ‘enter’. Select the ‘Forgot your passcode?’ link, and continue to respond to the 3 security questions that were established upon enrollment. After successfully answering these questions, you will be prompted to enter a new password. Click enter and your password will be reset.
If you forget your Username from the Online Banking log in screen, click the “Forgot your user name?” link, and enter your personal profile email address. A security token will be emailed to the address that is in your online banking profile. After entering the security token, you will be required to answer a security question and enter your password. To view the username, navigate to the Service Center > Services > Update email, Username or Password.
If you get locked out of Wealth Investment Trust Bank, you must contact Customer Service for assistance. Please find the contact information and hours of operation below.
- Contact Customer service at any of the numbers and press 0 to reach a customer service representative.
All Community Bank retail checking and savings accounts are eligible for free Wealth Investment Trust Bank. Enrollment is fast and easy.
You may view transactions for any Community Bank checking or savings accounts.
With Wealth Investment Trust Bank, you can transfer funds between your checking and savings accounts that were established in the same country.
Transfers you submit on bank business days before the daily cut–off will be credited to your account on the same day. Transfers submitted after the cut–off time or on a non-bank business day will be credited on the next bank business day. Cut–off times are 4 p.m. U.S. Central Time, Monday through Friday for the European Theater, including Guantanamo Bay, excluding U.S. bank holidays and 4 a.m. U.S. Central Time, Monday through Friday for the Pacific Theater, including Kwajalein and Diego Garcia, excluding U.S. bank holidays.
Transfers can be submitted for amounts between $100.00 and $100,000.00.
- Log in to Online Banking and navigate to ‘Alerts’ within the Home menu
- Select ‘Contact Points’ from the navigation bar to add the e-mail addresses at which you would like to receive alerts.
- Select ‘Manage Alerts’ from the navigation bar, and use the Add Alert button next to each type of alert you would like to receive. For each alert, you may need to specify the account, balance thresholds that trigger it, and which e-mail will receive it.
- Balance Summary
- Low Balance
- Non-Sufficient Funds
- Direct Deposit Received
- Large Posted Item
- New External Transfer
- External Transfer Executed Alert
- Address/Phone/E-mail Change
- Online Banking Failed Login Attempt
- Online Banking Password Change
- Online Banking ID Change
- Euro Payee Alert
- Euro Payment Executed Alert
- Unread Bank Message
- Bank Inquiry Response
- Online Banking Lockout
U.S. Bill Pay is a free service of Wealth Investment Trust Bank that allows you to pay your domestic bills online. In addition you can elect to receive e-Bills – electronic versions of your paper bills – from a variety of companies like Verizon Wireless, State Farm Insurance and DISH Network.
e–Bills are electronic versions of your paper bills that you receive from participating merchants through Wealth Investment Trust Bank.
An e–Bill comes directly from the biller to Wealth Investment Trust Bank. The difference is that you are presented with an electronic version of the bill. You can view balances, transactions, finance charges and other statement information. (Each payee offers unique features associated with their bill.)
You can pay almost any U.S. domestic business or individual that you currently pay by check — your phone bill, loan payments, insurance, credit cards — even your dentist or daycare center. Please note you cannot pay non–U.S. payees, court-ordered payments or state and federal taxes online at this time.
To start using U.S. Bill Pay, sign on to Wealth Investment Trust Bank and select the ‘USD Bill Payment’ tab. You’ll need copies of your bills to begin adding payees. If you’re not already signed up for U.S. Bill Pay, send us a secure e–mail from the Services tab. Simply navigate to Service Center > Services > Add bill pay and online banking accounts.
We recommend scheduling your payments to be processed at least five business days before the actual payment due date. Scheduling payments sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account.
U.S. Bill Pay is a free service of Wealth Investment Trust Bank.
E–Bills are only available from select U.S. domestic companies. An e–Bill icon on the payee list indicates the participating companies.
The number of companies offering this convenient feature is growing all the time. An e–Bill icon on the payee list indicates the participating companies.
No. The payment will reject and we may charge you an insufficient funds fee. You will need to reschedule the payment for a time when sufficient funds will be available.
Wealth Investment Trust Bank does not recognize an incorrect zip or area code. We suggest you verify all payee information using a current bill before entering the new payee information.
Bill payments can be submitted for amounts between $0.01 and $10,000.00.
No. Only U.S. domestic payees are available at this time.
No. Bill payments are only payable in U.S. Dollars.
There are a variety of self-service features available to you through Wealth Investment Trust Bank. You can:
- Reorder checks
- Order copies of checks
- Order copies of account statements
- Change your address
- Create nicknames for your checking and savings accounts
- Change your password
- Change your User Name
- Inquire on a specific transaction
Yes. You can reorder checks by selecting Service Center > Services > Order Checks within Wealth Investment Trust Bank.
Yes. You can change your phone number, street address, or e-mail address or DEROS date by selecting Service Center > Services > Change Address, E-mail, Phone Numbers or DEROS Date for All Accounts within Wealth Investment Trust Bank.
Select ‘Update E-mail, User Name or Password’ in the Services tab within Service Center to change your password immediately. If you’ve forgotten your password and can’t login, click the ‘Forgot your passcode?’ button on the Login page.
Instantly change it yourself under the Services tab within Service Center on Wealth Investment Trust Bank by selecting ‘Update E-mail, User Name or Password’
You can submit a request to stop payment on a check through Wealth Investment Trust Bank by selecting ‘Stop Payment — Check’ on the Services menu within Service Center.
Yes. You can order a check or a statement copy by selecting the Services tab within Service Center on Wealth Investment Trust Bank. However, you can also print statement images for up to 180 days from the statement date by selecting ‘Online Statements’ under the ‘Manage Accounts’ tab.
For questions about your accounts or requesting account services, you can send and receive secure mail using Wealth Investment Trust Bank. From the ‘Home’ menu, select ‘Messages’. You will be taken to the Message Center where you can send and receive secure messages between yourself and Community Bank.
Wealth Investment Trust Bank is compatible with the personal financial management software package Quicken®, which allows Wealth Investment Trust Bank users to download transactions using the ‘Export’ button on the Manage Accounts tab. Users can conveniently choose to export new transactions or a specific date range.
You can download transactions from Wealth Investment Trust Bank into your personal financial management software. Make sure to use the online Help screens for further details. To export transactions from your Wealth Investment Trust Bank account to Quicken®:
- Select the ‘Manage Accounts’ tab from the Homepage.
- Select ‘Account History’.
- Select the account you would like to export from the dropdown box at the top of the screen.
- Select the ‘Export’ button at the bottom of the page.
- Select either ‘Since Last Export Date’ or select a date range using the calendars.
- Select a format to export – choose Quicken.
- Click the ‘Export’ button.
No. Rather than review each transaction, Quicken® will only receive bulk information. Duplicate transactions must be removed manually. To avoid this, review your Wealth Investment Trust Bank account thoroughly before importing it to Quicken®.
The personal financial management software package Quicken® provides tax features.
Yes. Each account holder is issued a separate User Name.
Yes, all joint account owners can use the same User Name. However, it is recommended that each joint account owner maintain their own unique User Name and password.
Yes.
Wealth Investment Trust Bank works best with Microsoft Internet Explorer 10 and higher or Mozilla Firefox 44 and higher.
Yes, as long as you’re using a recommended internet browser.
Wealth Investment Trust Bank works best with Microsoft Internet Explorer 10 and higher or Mozilla Firefox 44 and higher.
The most common problems are cookies, browsers, typing errors and ISPs.
- Cookies. A cookie is information that is stored on a user’s computer hard drive after accessing the internet. Typically, a cookie stores a user’s preferences when accessing a particular internet site. Cookies must be accepted in order for a user to access accounts online. If cookies are not accepted, a user must log into every account screen within Online Banking with a User Name and Password. Check your browser settings to ensure you’re accepting cookies from Wealth Investment Trust Bank.
- Browsers. If a browser doesn’t adequately support encryption, then a user cannot log in to view accounts online — for security purposes. Make sure you’re using either Microsoft Internet Explorer 8 and higher or Mozilla Firefox 3.6 and higher.
- Typing errors. internet users most often type in an address or URL to reach a website. Secure pages have a slightly different URLs from other sites on the internet. All secure websites begin with the letters “https://”. Most websites use ‘http:// ‘ without the ‘s’. Without the ‘s’ you cannot connect securely to your accounts.
- ISP connections. Internet Service Providers (ISPs) are your connection to the internet. At times their connections may not be functioning properly, which prevents you from accessing your accounts. Check to see if you can get to any other secure sites on the web. If not, your ISP may be the problem.
Wealth Investment Trust Bank passwords are case sensitive. Make sure the CAPS LOCK isn’t on and try again.
Select the Printer Friendly button located on the bottom of the Statement page to print your statement. For all other information, different internet browsers and browser versions have different options for printing frames. Consult your internet browser Help files to determine the best method for printing.
Wealth Investment Trust Bank incorporates industry standard security features that protect your data so you can manage your money with safety and confidence. We want to provide you with peace of mind when you access your account information.
Wealth Investment Trust Bank utilizes encryption technology, which is the scrambling of information for transmission back and forth between two points so that it cannot be read by unauthorized parties. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to Community Bank. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and Community Bank, encryption protects your account information so it can’t be intercepted and read by a third party.
And we encourage you to always take steps in addition to these Community Bank security features to protect your personal information. Here are some tips:
- Keep your password secure and make sure no one is watching as you enter your password
- Take appropriate precautions to keep your computer clean and free from viruses that could be used to capture password keystrokes
- Be cautious when providing personal data such as your Social Security Number and bank account information over the telephone, in person or online. Do not give out this information unless you are absolutely sure of the person with whom you are dealing.
- Monitor bills and bank statements frequently. Immediately report any suspected fraudulent transactions to the holder of your account.
- Receive and store as many of your account statements electronically as you can
- Store cancelled checks, new checks and account statements in a safe place
- Question suspicious e-mails
- Install anti–virus and anti–spyware programs on your home computer. Keep these programs updated.
- Don’t write your personal identification number (PIN), Social Security Number, driver’s license number or credit card account number on checks or on your ATM, credit card or debit card
- Stand directly in front of the ATM when entering your PIN
Yes. Community Bank is committed to making Wealth Investment Trust Bank safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 128–bit SSL encryption. To help protect your privacy while you are using the service, we will sign you out of Wealth Investment Trust Bank after 15 minutes of inactivity. However, you can modify the timeout period by going to Service Center > Services > Update e-mail, User Name, or Password.
SSL stands for Secure Socket Layer. This technology allows users to establish sessions with internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Wealth Investment Trust Bank site, you are secure through our use of SSL technology.
Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to Community Bank. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and Community Bank, encryption protects your account information so it can’t be intercepted and read by a third party.
There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128–bit encryption means there are septillion possible keys that could fit into the lock that holds your account information, but only one that works each time you bank online. Wealth Investment Trust Bank uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.
A Global Certificate is a specialized SSL certificate which raises the minimum security level for all users to 128–bit encryption, even for those browsers that do not have the 128–bit feature turned on. This technology was developed to enable customers to temporarily interact with websites that demand a minimum encryption level of 128–bit. Therefore, our Global Certificates will automatically raise your security level for the duration of your Wealth Investment Trust Bank session, thereby providing added assurance that your data is protected.
BUSINESS
Keep cash flowing with a checking account that’s tailored to your business needs. Choose from low minimum deposits, interest bearing accounts, full-service cash management options and more.
“Wealth Investment Trust Bank,,” Wealth Investment Trust Bank,” the Wealth Investment Trust Bank logo and the Symbol are trademarks of Wealth Investment Trust Bank, N.A. is a wholly-owned subsidiary of Wealth Investment Trust Bank & Co.
Investing involves market risk, including possible loss of principal, and there guarantee that investment objectives will be achieved.
Wealth Investment Trust Bank Wealth Management is a business of Wealth Investment Trust Bank & Co., which offers investment products and services through Securities LLC (WTBMS), a registered broker-dealer and investment advisor, member FINRA(Opens Overlay) and SIPC(Opens Overlay). Annuities are made available through Wealth Investment Trust Bank Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Wealth Investment Trust Bank Insurance Agency Services, Inc. Certain custody and other services are provided by Wealth Investment Trust Bank , N.A. (WTBMCB). WTBMS, CIA and WMCB are affiliated companies under the common control of Wealth Investment Trust Bank & Co. Products not available in all states.
"Wealth Investment Trust Bank Private Client" is the brand name for a banking and investment product and service offering.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by Wealth Investment Trust Bank, N.A. Member FDIC.