Frequently Asked Questions

Product and Service Answers

Do you have a question about a specific product or service we offer? You’ve come to the right place! Scroll down to see some frequently asked questions regarding Digital Banking, LendingTIME-24-Access Telephone BankingVisa® Credit Card,  Visa® Gift Cards and more.

Digital Banking

We have a comprehensive Help Center for all of our Digital Banking services.

TIME-24-Access Telephone Banking

How do I sign up?

It's easy!  Simply notify us of your request through the Services Application Form or contact one of our  locations to complete and return an enrollment form.  We will contact you when you are set up for TIME-24-Access Telephone Banking with the necessary information.

How do I begin to use telephone banking?

The first time you use the telephone banking system, you will need to know your account number and then establish a PIN (personal identification number). Once you create a PIN you can begin to make transactions.

What accounts may I access?

You may obtain account information from your own checking, savings, or loan accounts. You can also transfer funds between your personal accounts as well as obtain bank information regarding all six locations. You will receive a confirmation number after each call to confirm your transactions.

What if I have a question while I am using TIME-24-Access?

For system instructions say "Instructions" or for assistance at any time you may press zero or say "Operator".

What if I forgot my PIN?

Please call the home office at 1 800-205-0914 during business hours if you forget or need to change your PIN.

Time Federal Visa® Credit Card

What if my card is lost or stolen?

Lost or Stolen Card Reporting and Visa® Customer Service:
1 800-423-7503 (within USA)
1 727-570-4881 (outside USA)

How do I redeem my ScoreCard Bonus Points?

Go to to login or create an account or call Scorecard 24 Hour Customer Service at 1 800-854-0790. The 24 Hour Customer Service is closed on major holidays.

How do I sign up for an electronic statement?

Go to to create an online account for statements and redeem Scorecard Bonus Points.

Time Federal Visa® Gift Card

Here are some guidelines for the VISA® Gift Card:

  • Minimum purchase amount $10.00, Maximum $500.00
  • $3.00 fee per card purchase
  • Cards are Non-reloadable
  • Recipient must sign card before using
  • When making a purchase, enter "credit" not debit
  • Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity
  • Lost/stolen replacement card fee of $5
  • NOT FOR INTERNATIONAL USE: All new and existing Gift Cards will be limited for use only in the United States (including extensions such as US military bases) and its territories: Puerto Rico, Northern Mariana Islands, US Virgin Islands, American Samoa, and Guam.

Dial 1-866-496-6183 for reporting your card lost or stolen, or for card information.

Account balance and card information are also available at

VISA® Gift Cards are issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.


Can I be pre-approved for a home loan?

Yes- We do pre-approvals for home purchase and construction loans. Contact a loan officer at our nearest branch and they can get the process started for you.

What do I need to make a loan application?

You will need to complete a mortgage loan application form, provide us with your last two years W2's and recent paycheck stubs, a photo ID and make a small deposit for a credit report. More information may be requested once the application process gets started.

What is required for a down payment?

We require as little as 3% down for qualified purchase loans. Loans with less than 20% down may require the purchase of private mortgage insurance. We do offer loans for as little as 10% down with no private mortgage insurance requirements to qualified buyers. Check with a loan officer for details.

How much will you charge for closing costs?

Typically our closing costs total about $1,300 and that includes all bank fees, your appraisal and all out of pocket costs. If you have less than a 20% down payment you may also need to purchase private mortgage insurance.

How long will it take to process my loan application?

Generally, it will take three to six weeks.

Do you sell your home loans on the secondary market?

No. Time Federal Savings Bank has not sold their home loans to the secondary market in the past and does not plan to sell them in the future. You will work with one loan officer through the entire application, approval, and closing process.