Frequently Asked Questions
Banking with you, for you.
Online Banking – Passumpsic Connect
General Information
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With Passumpsic Connect, you can easily access your checking and savings accounts, certificates of deposit (CDs), IRAs, and loans. Please note that Bill Pay is available only through checking accounts.
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To access Passumpsic Connect, visit www.passumpsicbank.com and click the Login button located in the upper right corner of the homepage. From there, you can select either Consumer or Business Online Banking to securely log in to your account.
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Because Passumpsic Connect operates in real time, all account information is current as of the moment transactions are processed. You'll always see the most up-to-date details available for your accounts.
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Passumpsic Connect's online banking service is completely free - there is no charge to access or use it.
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For the most up-to-date list of supported browsers, operating systems, and device requirements, please visit our Browser Support page: https://passumpsicbank.com/Authentication?ReturnUrl=DashboardV2#browser-support
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Yes, Passumpsic Connect is designed with your security in mind. We use advanced encryption and security protocols to protect your personal and financial information. For full details on how we safeguard your data and how you can protect yourself, please review our Security Statement here: https://www.passumpsicbank.com/customer-center/security-customer-protection
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We’re here to help, and you have several ways to reach us:
- Secure Message Center: Log into Passumpsic Connect and click the envelope icon in the upper right corner to access the Message Center. You can send us a secure message with your questions, and one of our Customer Support Representatives will respond promptly.
- Live Chat: Use the chat feature available in the Passumpsic Bank mobile app or desktop platform for real-time assistance.
- Phone Support: Call our Customer Support Department at (800) 370-3196 during regular business hours.
- In Person: Visit your local branch. Find the nearest location here: www.passumpsicbank.com/locations
- Email: Reach us anytime at customersupport@passumpsicbank.com
We’d be happy to assist you in any way we can!
Bill Pay
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Simply log in to your Passumpsic Connect online banking account. At the top of the page, click on the Transfer & Pay tab, then select Bill Pay from the dropdown menu. You'll be redirected to the Bill Pay service from there.
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You can enroll in Bill Pay directly through the Passumpsic Connect online banking platform. Simply navigate to the Transfer & Pay tab at the top of the page, then select Bill Pay from the drop down menu. You'll be prompted to review and accept our Terms of Service. Once accepted, you'll be automatically directed to the Bill Pay service to begin setting up your payments.
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Once you're enrolled, you can start paying bills to anyone in the U.S. using your mobile app or personal computer. Just log in to your online banking account, click on the Transfer & Pay tab, and select Bill Pay from the dropdown menu. After you agree to the Terms & Conditions, you'll be able to pay existing payees or add new ones to your list.
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Yes! Passumpsic Connect makes it easy to set up recurring payments. Whether it's a scheduled transfer or a recurring bill payment, you can choose the amount, date, and how often you'd like the payment to occur - and the system will take care of the rest.
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Enter the date you want the payment to arrive at your payee as the payment date. That's also the date the payment will be posted to your checking account. Timing may vary depending on how the payment is processed - whether it's sent by ACH, draft check, or single check.
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Bill Pay is free to use with your Passumpsic Connect account. However, if you choose rush delivery for a payment, a $9.95 fee will apply.
Statements and Transactions
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To enroll in e-statements, log in to Passumpsic Connect. Under the Accounts tab at the top of the page, click on the eDocs dropdown menu. You'll be redirected to the eDocuments page. In the Overview section, find Subscription Settings. Click the gear icon in the top right corner, and your accounts will be listed. For each account, choose Online Statements (the middle option will turn blue), then click Continue. You're all set!
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To find your statement, log in to Passumpsic Connect. Under the Accounts tab, click on the eDocs dropdown menu. You'll be redirected to the eDocuments page. Under the Statements tab, you'll find Subscription Settings. In the top right corner of Subscription Settings, click the gear icon. This will display your accounts, where you can choose between paper or online statements. Make sure to select Online Statements (the middle option will turn blue), then click Continue, and you're all set!
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To print your statement, log in to Passumpsic Connect. Under the Accounts tab, click on the eDocs dropdown menu. This will take you to the eDocuments page. Under the Statements tab, you'll see your accounts listed. Click on the statement you'd like to print, and it will open on the View eDocument page. From there, you can either download or print your statement.
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First, click on the account you'd like to download transactions from. At the top of the transaction list, just above the Date/Description header, you'll see a downward arrow icon. Click on it to open the Download Transactions tab. From there, you can choose the file format (such as Quicken or Excel), select the date range, and pick the account(s) you want to include. Once everything is set, click Download to save the file to your device.
Account Management
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After logging into your account, go to the Tools dropdown menu and select Settings. In the Settings screen, click on Accounts. On the right-hand side, you'll see the option to Reorder Accounts. Click on that, and you'll be able to drag and drop your accounts to reorder them as you prefer.
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After logging into your account, go to your Dashboard page and select the account you'd like to rename. This will take you to that account's transaction page. Next to the account name, you'll see a pencil icon. Click on it, and a screen will appear allowing you to add a nickname for the account. Once you're done, simply click Save.
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After logging into your account, go to your Dashboard page. Under the Accounts section, you'll see a gear icon on the right-hand side. click on it to open the Dashboard Settings page. From there, you can uncheck any accounts you don't want to see. Once you're finished, click Save to apply your changes.
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After logging in, click on the Tools tab at the top of the page, then select Settings from the dropdown menu. You'll be redirected to the Settings page. Under the Contact tab, you can update your physical address, phone number, and email address. To change your email, click the pencil icon next to the email field. Once you've made your updates, be sure to click Save Changes.
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Log in and click on the Tools tab at the top of the page, then select Settings from the dropdown menu. On the Settings page, go to the Contact tab. There, you can update your phone number, email address, and physical address. To make changes, click the pencil icon next to the phone number field. After updating your information, click Save Changes to confirm.
Transfers and Payments
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Passumpsic Connect online banking does not limit the number of transfers you can make. However, there are limits on the total amount you can transfer daily, weekly, and monthly. To view the full transfer policy and limits, log in to your account and go to the Transfer & Pay tab. Scroll down and click on "Learn more about our Transfer Policy and Limits." If you have questions about specific restrictions on your account, feel free to stop by your nearest branch, call a Universal Banker at (800) 370-3196, or email us at customersupport@passumpsicbank.com.
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Yes, you can transfer funds to an account at another bank. To do so, you'll first need to link your external account within Passumpsic Connect. Once the external account is verified, you can initiate transfers between your Passumpsic Bank account and the linked account
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Internal Transfers: If you make a transfer between Passumpsic Bank accounts before 5:00 p.m. EST on a business day, it will post the same day. Transfers made after 5:00 p.m. EST will post on the next business day. External Transfers: If you're transferring funds to or from an account at another bank and submit the request before 3:00 p.m. EST, the transfer will typically complete within 1-3 business days. If it's after the cutoff time, the system will schedule it for the next available processing date.
Security and Access
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As part of Passumpsic Bank's commitment to protecting your information, the One-Time Password (OTP) adds an extra layer of security to help prevent fraud. When needed, an OTP is sent to the cell phone or email address we have on file to verify your identity and keep your account safe.
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If you've forgotten your password, click on Forgot Password link on the login page. You'll receive an email at the address we have on file with instructions to create a new password. If you enter an incorrect password three times in a row, your account will be temporarily locked for 24 hours unless you click the Forgot Password link to reset it. After a reset, you'll have three more attempts. If the correct password is still not entered, your access will be denied, and you'll need to call Customer Support at (800) 370-3196 for assistance.
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To log out of Passumpsic Connect, click the profile icon (a head and shoulders image) in the upper right corner of the screen. A dropdown menu will appear - just select Log Out from the list.
Additional Features
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After logging into the Passumpsic Connect online banking platform, go to the Tools dropdown menu and select Alerts. From there, you can customize alerts for your different accounts - such as balance updates, transaction activity, or payment reminders - so you stay informed in real time.
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Log in to the Passumpsic Connect online banking platform, then go to the Tools dropdown menu and select Stop Payment. From there, you can submit a new stop payment request by entering the required check details.
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After logging into the Passumpsic Connect online banking platform, go to the Tools dropdown menu and select Check Re-order. From there, you can follow the prompts to place your check order.
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After logging into the Passumpsic Connect online banking platform, go to the Accounts dropdown menu and select Card Management. From there, you can view spending insights, manage travel notifications, report a lost or stolen card, and access other useful card management features.
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After logging into the Passumpsic Connect online banking platform, go to the Accounts dropdown menu and select Account Rewards. The Rewards widget will track and calculate your qualifying transactions to help you see if you've met the requirements to earn rewards with Passumpsic Bank.
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Yes, you can! Simply log in to the Passumpsic Connect online banking platform, go to the Accounts dropdown menu, and click on Apply Today. From there, you can apply for a variety of accounts, including checking, savings, and money market options.
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Yes, we do! Log in to the Passumpsic Connect online banking platform, go to the Financial Planning dropdown menu, and click on Financial Wellness. From there, you can set savings goals, track recurring expenses, and monitor your spending - all in one convenient place to help you stay on top of your finances.
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Yes, you can! After logging into the banking platform, simply look to the right side of your Dashboard for the option to sign up to view your credit score. This feature uses a soft credit pull, meaning it won't impact your credit rating. You'll be able to monitor your score, see where you stand, and receive insights on how to improve it.
Mobile Banking – Passumpsic Connect
General Information
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Passumpsic Connect Mobile Banking allows you to manage your finances anytime, anywhere—right from your mobile device. With secure access to your Passumpsic Bank accounts, you can:
- Check account balances
- Pay bills
- Transfer funds between internal and external accounts
- Locate the nearest branch or ATM
It’s a convenient way to stay connected to your banking needs, whether you’re at home or on the go.
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Passumpsic Connect’s Mobile Banking gives you secure, real-time access to your accounts—anytime, anywhere. Whether you're checking your balance before a big purchase, reviewing transactions while waiting in line, paying a bill on the go, or locating the nearest ATM while out and about, our mobile banking app is designed to fit your lifestyle.
It's fast, convenient, and backed by the local service and support you expect from Passumpsic Bank.
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Getting started with Passumpsic Connect Mobile Banking is simple. Just download the Passumpsic Bank Mobile App from your device’s app store.
To use Mobile Banking, you’ll need:
- An eligible Passumpsic Connect consumer online banking account. Enroll today
- A smartphone (iOS or Android), a web-enabled device, or a standard mobile phone with text capabilities*
*Message and data rates may apply. Please check your mobile service provider plan for details.
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If your device doesn’t support the Passumpsic Bank Mobile App, you can still access Mobile Banking through your mobile browser. Simply visit www.passumpsicbank.com using your device's browser. The site is mobile-friendly and can be bookmarked for quick, convenient access anytime.
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Yes—it's absolutely free! There’s no charge to use Passumpsic Bank’s Mobile Banking, giving you convenient and secure access to your accounts anytime, anywhere.
Please note: Message and data rates may apply based on your mobile service provider plan. Be sure to check with your carrier for details.
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To request deletion of your Passumpsic Bank Digital Banking account, please contact us through one of the following methods:
- Email: customersupport@passumpsicbank.com
- Phone: Call Customer Support at (800) 370-3196
- Mail: Passumpsic Bank, Customer Support Department, PO Box 38, St. Johnsbury, VT 05819
- Online Chat: Visit www.passumpsicbank.com and click on “Let’s Talk” to chat with Customer Support
Most accounts can be closed immediately if they have a positive or zero balance and all deposits or pending transactions have cleared.
What happens to my data?
When you request account deletion, the following data will be permanently removed:
- Personal Information: Name, email address, and phone number
- Transaction History: All records of financial activity within the app
- App Usage Data: Information related to your use of the Passumpsic Bank Digital App
If you have any questions or concerns before requesting
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There are several ways you can contact us - in the upper right hand corner in Passumpsic Connect’s online platform there is an envelope icon. Click that and you’ll be in our Message Center. You can create a secure message with any questions you may have and one of our Customer Support Representatives will message you back. You can chat with us within your Passumpsic Bank mobile app or desktop, or you can contact the Customer Support Department by calling (800)370-3196 during regular business hours, visit your local branch (https://www.passumpsicbank.com/locations) or by sending an email to customersupport@passumpsicbank.com. We’d be happy to help.
Account and Card Management
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After logging into the banking platform, go to the Accounts dropdown menu and select Card Management. From there, you can view your spending insights, set and manage travel notifications, report a lost or stolen card, and access additional card management features—all in one convenient and secure location.
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After logging into the banking platform, navigate to the Tools drop-down menu and select Alerts. From there, you can customize alerts for your various accounts to stay informed about balances, transactions, and other important activity.
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After logging into the banking platform, go to the Tools drop-down menu and select the Stop Payment tab. From there, you can initiate a new stop payment request quickly and securely.
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After logging into the banking platform, navigate to the Tools dropdown menu and select the Check Reorder tab. From there, you can easily place an order for new checks.
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After logging into the banking platform, go to the Accounts dropdown menu and select the Account Rewards tab. There, you’ll find the Benefits widget, which tracks and totals specific transactions to determine whether you’ve met the qualifications to receive rewards with Passumpsic Bank.
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Yes, you can. Simply log into the banking platform, go to the Accounts dropdown menu, and click on the Apply Today tab. From there, you can apply for a variety of account types, including checking, savings, and money market accounts—all conveniently online.
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Yes, we do! After logging into the banking platform, go to the Financial Planning dropdown menu and select the Financial Wellness tab. This tool allows you to create and track savings goals, monitor recurring expenses, and keep an eye on your overall spending habits—all in one convenient location.
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Yes, you can. Once you log into the banking platform, look to the right-hand side of your Dashboard for the option to sign up to view your credit score. This feature uses a soft credit pull, so it won’t affect your credit rating. It allows you to monitor your current score, understand your credit standing, and receive tips on how to improve it.
Security
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As part of Passumpsic Bank's ongoing commitment to protecting your account, the One Time Password (OTP) adds an extra layer of security. It helps ensure that only you can access your online banking by verifying your identity. The OTP is sent to the cell phone number or email address we have on file for your account. This step helps prevent unauthorized access and safeguards your sensitive information from potential fraud.
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Nobody wants their phone lost or stolen. But in the rare case that it does, you should know that your mobile banking access is secured.
- No personal information from your Mobile Banking account is ever stored on the phone. Your password is never stored.
- Your login session automatically times out after a specific period of inactivity (check with your bank).
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Rest assured. Mobile is safe to use!
- Smartphones such as IPhones & Android have a very controlled and secure operating system.
- Mobile Banking uses 256 bit SSL encryption just like Online Banking - which basically encrypts and protects any transmission of data including customer account information.
- Mobile Banking uses strong Firewalls just like Online Banking - which protects from unauthorized or malicious intrusion.
- Mobile Banking uses your Username & Password along with an OTP (One Time Password) for access, just like Online Banking. And just like with Online Banking, your account will lock down after 3 incorrect attempts from your mobile device.
Mobile Deposit
Using Mobile Deposit
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Mobile deposit is a convenient feature of the Passumpsic Bank’s mobile banking app that makes it simple to quickly and securely deposit checks into your checking, savings and money market accounts using your smartphone or tablet. You just take a photo of the front and back of your check and follow the instructions that you’ll see on-screen.
The mobile deposit feature allows you to:
- Deposit checks virtually anytime, anywhere.
- Save time and trips to the branch.
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You can deposit checks with mobile deposit whenever you want - 24 hours a day, 7 days a week. The deposit cut-off time is on or before 4pm Easter Time on a Business Day. Deposits submitted after 4pm Eastern Time on a Business Day or on a weekend or a state or federal holiday, the next Business Day will be the Deposit Date. Keep in mind that mobile deposits are subject to our standard Funds Availability Policy.
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You can make mobile deposits into most checking, savings and money market accounts.
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$2,500.00 per day.
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To be eligible to use mobile deposit, just be sure you:
- Are enrolled in Online Banking and have downloaded the Passumpsic Bank Mobile Banking App.
- If you meet these criteria, you will see the DEPOSIT option within the PSB Mobile App.
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There is no fee to use our mobile deposit service. The maximum deposit amount per day is $2,500.00.
Deposit Process
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To ensure that the right person will receive the money and so others cannot try to deposit the check.
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Simply sign the back of your check. Please write “For Mobile Deposit Only” below your signature. Any items not properly signed will not be accepted via mobile deposit.
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Our Mobile Deposit cut off time is 4pm. If you mobile deposit before 4pm, it will post to your account that day. If you mobile deposit after 4pm, it will be posted the following day.
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Holds are placed to help protect both you and the bank from losses that could occur when a deposited item is returned unpaid. In certain instances, it’s possible that a hold will be placed at the time you submit a deposit or after you’ve made a deposit. A hold means that, although we’ve received your check for deposit, you won’t be able to use the funds until the hold period has expired.
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After we successfully receive your deposit, you’ll receive a deposit confirmation message on the screen.
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Destroy or otherwise properly dispose of checks and items that have been accepted for mobile deposit after 30 days.
Restrictions and Support
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Checks you deposit should be payable to you as the account holder and endorsed on the back with your signature. Examples of checks that are NOT eligible for mobile deposit include:
- Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
- Checks containing an alteration to any of the fields on the front of the check or item (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
- Checks payable jointly, unless deposited into an account in the name of all payees.
- Checks previously converted to a substitute check as defined in Regulation CC.
- Checks drawn on a financial institution located outside the United States.
- Checks not payable in United States currency.
- Checks dated more than 6 months prior to the date of deposit.
- Checks with any endorsement on the back other than that specified in this agreement.
- Checks on which a stop payment order has been issued or for which there are insufficient funds.
- Checks that are remotely created checks, as defined in Regulation CC.
- Any item that is stamped with a “non-negotiable” watermark.
Answer:
There are several ways you can contact us - in the upper right hand corner in Passumpsic Connect’s online platform there is an envelope icon. Click that and you’ll be in our Message Center. You can create a secure message with any questions you may have and one of our Customer Support Representatives will message you back. You can chat with us within your Passumpsic Bank mobile app or desktop, or you can contact the Customer Support Department by calling (800)370-3196 during regular business hours, visit your local branch (https://www.passumpsicbank.com/locations) or by sending an email to customersupport@passumpsicbank.com. We’d be happy to help.