FAQs

Generations Bank was founded in 1907 in the small Southern Arkansas town of Harrell.

For more information about the bank's history, check out the Our Story page!

Generations Bank routing number #082902320

Yes, because Generations Bank is a Member FDIC, your deposits are secured for up to $250,000. FDIC deposit insurance covers the balance of each depositor's account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closing. The FDIC insures all types of deposits received by a financial institution including:

• Checking accounts
• Savings accounts
• Money market deposit accounts
• Certificates of deposit (CDs)

For more information about deposit insurance, visit the FDIC's web page

Federal law requires all financial institutions to obtain, verify, and record personal information that identifies each person who opens an account. Your information is stored securely. View our Privacy Policy for more information.

Please call us toll-free at (844) 661-0056 or email us at info@mygenerations.bank to be connected to our knowledgeable Call Center team.

If you would like to add or change the beneficiary on your account, stop by your local branch or call our Call Center team toll-free at (844) 661-0056.

If your debit card is lost or stolen, stop by your local branch or call us toll-free at (844) 661-0056.

Visit our Secure Document Upload page. Complete the form and upload your documents. Select the Branch where your banker is located under Bank Recipient.

Generations Bank Online Banking is our consumer platform that allows you to view your accounts, make transfers, pay bills, view your statements, and more.

If you would like to sign up for Online Banking, stop by your local branch or call our Call Center team toll-free at (844) 661-0056.

• Google Chrome: Latest two versions
• Firefox: Latest two versions
• Microsoft Edge: Latest two versions
• Safari: Last two major versions

Yes, when you are logged into online banking, click on the account you need the full number for. This will take you to the Account Detail screen where you will see an eye icon next to the last four digits of your account number. When you click this, you will see your full account and routing number.

Note: This feature is not yet available in our mobile app.

Yes, to set up alerts via text or email, log in to your Online Banking account from a browser. Click Self Service, then Alerts.

Account Alerts:

• Account Transfer
• Balance
• Stop Pay
• Maturity

Service Alerts:

• Address Change
• Email Address Change
• Forgot Username Attempt
• New Secure Message
• Password Changed
• Password Reset Attempt
• Phone Number Changes
• Session Activity Email
• Sign On Attempt Email
• Username Changed

Billpay allows you to pay bills online, saving you time, envelopes, and stamps. It is an optional service on you Online Banking account.

Mobile BillPay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your Internet (Online) Banking account. You may pay bills using your mobile device while on-the-go, anytime, anywhere.

Yes, you enroll for BillPay and set up payees through your Online Banking account. Once enrolled, you will be able to access BillPay on your mobile device. You must be enrolled for, both, Online Banking and BillPay before you may use Mobile Banking and Mobile BillPay.

To pay a bill, select the click the + on the bottom menu, then choose Pay Bill. A simple flow guides you through choosing the payee, the payment account, send on date and amount. Then you may enter an optional memo.

Only you may create and authorize a payment. Depending on the Payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your Payee may credit your account.

For more information about payment scheduling and delivery, please visit the Help section within Bill Pay on your Online Banking account.

No, all payees must be added by logging in to your Online Banking account through a browser.

You may manage your Payees, including deactivation by logging onto the Online Banking website and accessing the list of Payees.

To cancel a payment, log in to your Online Banking account through a browser. Select the "Bill Pay" option from the "Move Money" menu, then select the payment from the list under the Activity tab on the right. From this screen, select "Cancel Payment". The system will ask you to confirm that you wish to cancel the payment.

If you have an issue with a bill or a specific item on the bill, contact the Payee directly. Remember, you may pay whatever amount you desire in BillPay while you are disputing any item.

For more information and Frequently Asked Questions, please visit the Help section in your Online Banking account through a browser.

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you may have the option to deposit checks.

You must be enrolled in Online Banking first and set your permanent password through a browser. Once that is set, download the Generations Bank Mobile App from the App or Play store and sign in using your Online Banking credentials.

Mobile Banking is supported on most devices and is available on iPhone and Android smartphones and on iPads and Android tablets.

There is currently no charge associated with the mobile banking service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.

Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access, and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either logging into your Online Banking or calling us. See What if my device is lost or stolen? for more information.

We support all major US wireless phone carriers.

A data plan is typically selected by most mobile banking users, as data usage can become expensive without it. Please check with your wireless carrier for more information.

You must first enroll in online banking before using mobile banking.

Your User ID is the same as the User ID you established for Online Banking or created during the mobile-only enrollment process, if available.

Your Password is the same as the Password you established for Online Banking.

In this case, you should visit the Online Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact our Call Center team by calling toll-free (844) 661-0056.

On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".

Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.

The 'Remember Me' prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select "Off" for the prompt, you will be required to reply to the challenge questions each time you log in to Mobile Banking.

If you change phone numbers, be sure to stop by your local branch or call our Call Center team toll-free at (844) 661-0056 to notify them of this change. Then download the app on your phone and enroll on your new device. If you get a new mobile device, simply download the Generations Bank Mobile Banking App and enroll on your new device.

If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Next, sign on to Online Banking, navigate to Self Service -> Self Administration -> Mobile Banking then click on Go to Mobile Banking to disable your enrolled mobile device.

Card Controls allows you to control eligible debit cards from your mobile device. You can deactivate or re-activate cards, restrict card usage to specific types of merchants and/or transaction types, establish threshold amounts and allow cards to only be used in specific geographical regions.

It is a feature inside of your mobile app that allows you to control how, when, and where your debit card is used. It is a simple and secure way to manage and monitor your payment transaction activity. Card Controls can help keep your debit card safe and provide instant notifications whenever your card is used.

Card Controls requires you have a personal debit card issued by Generations Bank in your name. You will also need an Apple or Android smartphone to access the mobile app. Card Controls is not available on the business mobile app.

Your card can be added to your mobile banking app by selecting "Wallet" then "Card Controls". Select Add. You currently enrolled cards will be listed under Cards. To add additional cards in your name, select Add and select the card to add to your account.

Select "Wallet" in the top right corner or "More" in the bottom right corner of your Generations Bank mobile app.

No. It is provided to you at no cost so you can have more control over your card.

You must first enroll in the SMS/Text Banking in order to subscribe for Mobile Alerts. After registering for this mode, go to your Internet (Online) Banking alert page. From here you will be able to subscribe to the alerts you wish to receive on your mobile device.

There is no limit as to how many cards you can register. However, we recommend registering no more than 20 cards to a single profile. Any more than the recommended number may affect app performance. The card(s) must have been issued by Generations Bank and must be issued in your name.

Android – OS version 5.0 or later and Apple – iOS version 9.0 or later

You can begin using the service immediately from your mobile app. When turning the card off, the little green button in the top right corner under the card details will turn grey. This means all transactions (except recurring) will be declined. When ready to make a purchase, you can turn the card back on instantly.

In addition to the card on/off function, you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

A real-time alert is an immediate push notification sent to the app. You can select to be alerted on all payment transactions or you can choose just to be alerted for "selected" transactions. Alerts are available by spend limits, location, transaction type and/or merchant category.

Go to your phone settings and allow notifications from the Generations Bank app.

Additionally, go to settings within the Generations Bank app and make sure Push Notifications are enabled.

No. Using card controls does not change the status of your account.

Controls and alerts come into effect immediately after you save your preferences.

Yes. Recurring transactions (Auto Pay) will be approved while your card is turned OFF, unless recurring transactions have been turned OFF prior to your card being turned OFF.

Yes. My Location, My Regions, and the International card control can be used in conjunction with one another.

Alerts let you know every time a card transaction is attempted. You can choose to be alerted for all, or individually selected transactions. Selected alerts are also available by location, transaction type, merchant type, and threshold amount.

Simply download the Generations Bank app to your new smartphone and login with your current user id and password. Your control preferences will remain in place, but your alert preferences will need to be reset.

When a new card is issued with a new card number, you will need to add the new card to the app via the standard registration process. This can be done by going to Card Controls and tapping "Add". Be sure to remove the old card if it is no longer in use.

If your card is reissued with the existing card number, you will not need to add it to the app again.

A Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

To select the card(s) you wish to manage, go to Card Controls and tap the card within the app. Then, Remove the card(s) you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.

Cards can be (un)managed at any time.

A "Help" menu can be found by tapping More.

A password is required to log in to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.

There is a "Help" function within the app, with basic help information. You can also contact the Call Center toll-free at 844-661-0056 Monday through Friday 8 am – 5:30 pm.

Customers must meet the following criteria.

• Age 18 years or older
• Have a valid email
• U.S. Citizen or Resident Alien
• Not affiliated with a marijuana-related business
• New customers must reside in Arkansas, Louisiana, Missouri, or Oklahoma
• Existing Generations Bank customers can reside anywhere in the U.S

Absolutely! We would be happy to serve you at any of our local locations. Click here to find the location nearest you.

You will need the following information:

• Legal name
• Physical Address
• Mailing Address
• Email Address
• Phone Number
• Occupation
• Information for the funding of your new account (debit card, account and routing numbers, or bank account login information)
• Driver's License Information

You may add a beneficiary once your application has been approved. Please stop by your local branch to if you want to add an authorized signer or other special restrictions.

The invitation to the joint account applicant doesn't expire. The account will remain a sole account until the joint applicant has applied and been approved.

We offer three different ways to fund your account online utilizing another bank account.

1. ACH: This is a form of online payment in which we will need a routing number and account number from the account you'd like to pull the funds.
2. Plaid: This secure portal allows you to log in to your online banking and select the account you want to withdraw money from to open your new account.
3. Debit Card: This funding option works similarly to purchasing something online. Input the information on your debit card and select the amount you would like to withdraw to open your new account.

If you select to order debit card(s) and/or checks for your new account, we will mail them to you. They should arrive within ten business days via USPS Standard Shipping.

On the approval page of your application, there will be a link to complete the information for online banking enrollment. The online banking system should automatically process this application so you can log in immediately. Once you have successfully logged into online banking, you will be able to log in to our mobile app using the same credentials.

Unfortunately, at this time, we are only offering personal account for online account opening. We would be happy to assist you in any of our local branches. Click here to find the location nearest you.