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Frequently Asked Questions
Have questions? We have answers! Please
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if you have a question not covered here.
FAQs
What is Amboy Direct?
Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 130 years. We’ve also been voted “Best Bank” for more than 20 consecutive years!
How can Amboy Direct offer higher rates than other banks?
We can pay more because Amboy Direct clients do not use branches. This helps reduce our costs, which means we can pay you higher rates and bring you added value.
Do I need to be a New Jersey resident to open an Amboy Direct account?
No! While many of our products are for New Jersey residents only, we’re proud to offer a number of products to the entirety of the United States.
What are the requirements to open an account online?
Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.
Do I have to change banks?
No. Your Amboy Direct account can be linked to any non-Amboy checking account, making it easier for you to transfer money whenever you want.
How do I open an Amboy Direct account?
Opening an Amboy Direct account is quick, easy and convenient. Click Open Now to begin our secure account opening process and enter the required information. You will then be asked to confirm the microdeposits in your linked external account. Lastly, you'll transfer money from your linked account to your new Amboy account.
How do I verify the two microdeposits Amboy Direct sends me?
To verify your depoits, you will need to note the microdeposit amounts (less than $1.00) in your linked external account. Then, log in to Amboy Digital Banking and correctly identify the deposit amounts.
How do I know when my Amboy Direct account is open?
We will notify you via email when your application has been approved and your account is open and available to access.
How do I access my Amboy Direct account?
You can
access your accounts
24/7 through our Digital Banking platform, available on any device.
How do I transfer funds into my Amboy Direct account?
After signing into Digital Banking, you will be able to transfer money from the account that you used to originally fund your Amboy Direct account. If you would like to change your funding institution, please
complete this form
.
How can I change my external funding account?
If you would like to change your funding institution, please
complete this form
.
Can I talk to a live person?
Absolutely. You may contact an Amboy Direct representative right here in New Jersey through our toll-free number, 1-877-22-AMBOY. Our hours of operation are Monday-Thursday 8:30am to 7:00pm; Friday 8:30am to 5:00pm; and Saturday 9:00am to 1:00pm.
Can I add a joint owner to my account?
You can add a second owner to the account at the time of account opening, or later by mailing the request to us. Please include the name, address (if different), telephone number, social security number and date of birth as well as your account number. We also need photo copies of the current account holder and second owner's driver’s licenses to complete this change.
Can I add a beneficiary to my account?
We can accept up to two beneficiaries on an individual account. You may
complete this form
and mail or fax to us. Please call us for more information.
How secure is Amboy Direct?
Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.
Is my money safe?
Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.
Will my information be shared?
No. Neither Amboy Bank nor Amboy Direct share client information. You trust us with your personal financial information, and we honor that trust by handling your information discretely and sensibly.
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