Frequently Asked Questions

You can open a new account online by visiting our Accounts page and clicking "Open New Account". You'll need to provide some personal information and choose the account type that best fits your needs. The entire process takes about 10-15 minutes and most accounts are opened instantly.

We offer a wide range of account types:

Personal Accounts:
• Checking Accounts (Regular, Premium, Student)
• Savings Accounts (Regular, High-Yield)
• Money Market Accounts
• Certificates of Deposit (3-60 months)

Business Accounts:
• Business Checking (Basic, Plus, Premium)
• Business Savings
• Merchant Services Accounts
• Escrow Accounts

For personal accounts:
• Government-issued photo ID (driver's license, passport, state ID)
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Proof of address (utility bill, lease agreement, bank statement)
• Initial deposit amount (varies by account)

For business accounts:
• Business license or registration documents
• Employer Identification Number (EIN)
• Articles of Incorporation/Organization
• Personal identification for all account signers

To close your account:

1. Ensure all pending transactions have cleared
2. Transfer or withdraw any remaining balance
3. Download any statements or documents you need
4. Visit a branch in person or call customer service
5. Complete and sign an account closure form

Note: Some accounts may have early closure fees. Please review your account agreement or contact us for details.

Yes, we offer joint accounts for both personal and business relationships. Joint accounts can be set up with:

• Two or more individuals (spouses, family members, partners)
• Rights of survivorship
• Different access levels (full access, view-only)
• Custom transaction limits per user

To add a joint owner to an existing account, both parties must visit a branch with proper identification.

Transfer limits vary by account type and relationship:

Internal Transfers (between your accounts):
• Daily limit: $10,000
• Monthly limit: $50,000
• Per transaction: $5,000

External Transfers (to other banks):
• Daily limit: $5,000
• Monthly limit: $25,000
• Per transaction: $2,500

Wire Transfers:
• Daily limit: $100,000 (with verification)
• Per transaction: $50,000

Transfer times vary by type:

Instant Transfers (between your accounts):
• Available immediately

Standard ACH Transfers:
• 1-3 business days
• Initiated by 3 PM ET process same day

Wire Transfers:
• Domestic: 1-2 business days
• International: 2-5 business days

Real-Time Payments:
• Available 24/7, including weekends and holidays

Our transfer fees are competitive:

Internal Transfers: FREE

External ACH Transfers:
• First 6 per month: FREE
• Additional transfers: $3 each

Wire Transfers:
• Domestic: $25
• International: $45
• Incoming wires: FREE

Expedited/Real-Time Transfers:
• 1% of transfer amount (min $5, max $25)

Setting up automatic transfers is easy:

1. Log in to your account
2. Go to "Transfers"
3. Click "Schedule Transfer"
4. Choose "Make this a recurring transfer"
5. Select frequency (daily, weekly, monthly, etc.)
6. Set start and end dates (optional)
7. Review and confirm

You can manage all scheduled transfers in the "Scheduled Transfers" section.

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.

To use Zelle®:
1. Log in to online or mobile banking
2. Navigate to the "Send Money with Zelle®" section
3. Enroll with your email or U.S. mobile number
4. Select recipient (email or mobile number)
5. Enter amount and send

Limits: $2,500 per day, $10,000 per month
Availability: 24/7, including weekends and holidays

Two-factor authentication adds an extra layer of security to your account. In addition to your password, you'll need a second verification method:

Available 2FA Methods:
• SMS text message codes
• Authenticator app (Google Authenticator, Authy, Microsoft Authenticator)
• Email verification codes
• Security keys (YubiKey, etc.)

To enable 2FA:
1. Go to Profile Settings → Security
2. Click "Enable Two-Factor Authentication"
3. Choose your preferred method
4. Follow the setup instructions
5. Save backup codes in a secure location

If you suspect fraudulent activity:

Immediate Actions:
1. Call us immediately: (24/7 fraud line)
2. Freeze your account: Via online banking or mobile app
3. Change your password: Use a completely new, strong password
4. Review recent transactions: Report any unauthorized activity

Additional Steps:
• Place fraud alerts with credit bureaus
• Monitor your accounts daily
• Update security questions
• Consider enabling transaction alerts

Account alerts help you monitor activity:

To set up alerts:
1. Log in to online banking
2. Go to "Alerts" or "Notifications"
3. Choose alert type:
• Balance alerts (low, high, specific amount)
• Transaction alerts (large, international, specific merchant)
• Login alerts (new device, failed attempts)
• Payment alerts (upcoming bills, transfers)
4. Set thresholds and conditions
5. Choose delivery method (email, SMS, in-app)
6. Save your preferences

You can manage alerts anytime in your profile settings.

Yes, our online banking uses multiple layers of security:

Security Features:
• 256-bit SSL encryption for all data transmission
• Multi-factor authentication options
• Automatic logout after inactivity
• Suspicious activity monitoring
• Secure socket layer (SSL) technology
• Regular security audits and penetration testing

Your Role in Security:
• Use strong, unique passwords
• Enable two-factor authentication
• Keep devices and browsers updated
• Avoid public Wi-Fi for banking
• Log out after each session

Download our mobile banking app from:

iOS (iPhone/iPad):
1. Open the App Store
2. Search for "bronclear"
3. Look for our official app with our logo
4. Tap "Get" to download
5. Open and log in with your credentials

Android:
1. Open Google Play Store
2. Search for "bronclear"
3. Look for our official app with our logo
4. Tap "Install"
5. Open and log in with your credentials

Requirements: iOS 13.0+ or Android 8.0+

Our mobile app includes these features:

Account Management:
• View balances and transactions
• Transfer funds between accounts
• Pay bills and schedule payments
• Deposit checks with mobile capture

Security Features:
• Fingerprint/Face ID login
• Instant card lock/unlock
• Real-time fraud alerts
• Secure messaging

Additional Features:
• Find ATMs and branches
• Contact customer service
• View statements and documents
• Set up account alerts

Mobile check deposit is easy and secure:

To deposit a check:
1. Open the mobile app and log in
2. Tap "Deposit" or "Mobile Deposit"
3. Select the account for deposit
4. Enter the check amount
5. Endorse the check: "For mobile deposit only"
6. Take photos of front and back
7. Review and submit

Important Notes:
• Keep the physical check for 14 days
• Maximum deposit: $5,000 per day
• Funds typically available within 1-2 business days
• Some checks may require additional hold time

Yes, we support biometric authentication:

iOS (Face ID/Touch ID):
1. Open the app settings
2. Tap "Security"
3. Enable "Face ID" or "Touch ID"
4. Follow the prompts to set up

Android (Fingerprint):
1. Open the app settings
2. Tap "Security"
3. Enable "Fingerprint Login"
4. Register your fingerprint if not already done

Note: Biometric data is stored securely on your device, not on our servers.

If you lose your phone with banking access:

Immediate Actions:
1. Remote wipe/lock: Use Find My iPhone (iOS) or Find My Device (Android)
2. Change passwords: Log in from a computer and change your banking password
3. Contact us: Call to report lost device access
4. Revoke app access: We can remotely disable mobile banking on that device

Preventive Measures:
• Always use screen lock on your phone
• Enable remote tracking and wiping
• Use biometric authentication in the app
• Log out of the app when not in use

Monthly fees vary by account type:

Personal Checking:
• Basic Checking: $10/month (waived with $500 minimum daily balance)
• Premium Checking: $25/month (includes premium benefits)
• Student Checking: $0/month (for students under 25)

Business Checking:
• Business Basic: $15/month
• Business Plus: $30/month
• Business Premium: $50/month

Savings Accounts:
• Regular Savings: $5/month (waived with $300 minimum balance)
• High-Yield Savings: $0/month

Our overdraft protection options and fees:

Overdraft Protection Transfer:
• Automatically transfers from savings: $10 per transfer
• Maximum 6 transfers per month

Overdraft Line of Credit:
• Annual fee: $25
• Interest: Prime + 5%
• Minimum payment: 3% of balance

Standard Overdraft:
• Per item fee: $35 (maximum 4 per day)
• Continuous overdraft fee: $15 after 5 days

To avoid fees: Maintain minimum balance or set up alerts.

ATM fee structure:

Our ATMs: FREE for all transactions

Network ATMs (Allpoint, MoneyPass):
• FREE for withdrawals and balance inquiries
• 45,000+ ATMs nationwide

Non-network ATMs:
• Our fee: $2.50 per withdrawal
• ATM owner fee: Varies (typically $3-$5)
• Balance inquiry: $1.00

Premium Accounts: Unlimited ATM fee reimbursements
Find ATMs: Use our mobile app or website locator

Wire transfer fees:

Domestic Wires (U.S.):
• Outgoing: $25
• Incoming: FREE
• Processing: 1-2 business days

International Wires:
• Outgoing: $45
• Incoming: $15
• Processing: 2-5 business days
• Correspondent bank fees may apply

Expedited Wires:
• Domestic: +$15 for same-day processing
• International: +$25 for next-business-day

Business Accounts: Discounted rates available

Ways to avoid common fees:

Monthly Fees:
• Maintain minimum balance requirements
• Set up direct deposit ($500+ monthly)
• Link to savings account
• Use student/senior accounts if eligible

ATM Fees:
• Use our ATMs or network ATMs
• Get cash back at retailers
• Upgrade to premium account

Overdraft Fees:
• Set up balance alerts
• Link to savings for protection
• Maintain cushion in checking

Wire/Transfer Fees:
• Use ACH transfers instead of wires when possible
• Combine multiple transfers

We offer comprehensive business banking solutions:

Business Checking:
• Basic: Up to 200 transactions/month
• Plus: Up to 500 transactions/month
• Premium: Unlimited transactions

Business Savings:
• Regular Business Savings
• Business Money Market
• Business CDs

Specialized Accounts:
• Merchant Services
• Escrow Accounts
• Trust Accounts
• Non-Profit Accounts

Additional Services:
• Business credit cards
• Commercial loans
• Treasury management

Business loan application process:

Step 1: Preparation
• Business plan (1-3 years projection)
• Financial statements (2-3 years)
• Tax returns (business and personal)
• Business licenses and registrations

Step 2: Application
• Complete online application
• Choose loan type and amount
• Submit required documents

Step 3: Processing
• Credit review (5-7 business days)
• Underwriting decision
• Terms and conditions review

Step 4: Funding
• Sign loan documents
• Funds disbursed (1-3 business days)

Contact our business banking team for assistance.

Merchant services allow businesses to accept card payments:

Features Include:
• Credit/debit card processing
• Online payment gateways
• Mobile payment solutions
• Point-of-sale systems
• Virtual terminal for phone orders

Benefits:
• Competitive processing rates
• Next-day funding available
• Fraud prevention tools
• Detailed reporting
• 24/7 support

Setup Process:
1. Application and underwriting
2. Equipment/software setup
3. Testing and training
4. Go live

Rates start at 2.5% + $0.10 per transaction.

Yes, business accounts can have multiple signers with different authority levels:

Signer Types:
• Sole Signer: Full authority alone
• Joint Signers: Any signer can act alone
• Dual Control: Two signers required
• Tiered Authority: Different limits per signer

To Add Signers:
1. Complete signer authorization form
2. Provide identification for new signers
3. Specify authority levels and limits
4. All existing signers must approve

Online Management:
• View current signers and limits
• Request changes to authority
• Temporary limits for specific transactions

We offer comprehensive payroll solutions:

Payroll Processing:
• Direct deposit for employees
• Tax calculation and filing
• Year-end forms (W-2, 1099)
• Multiple pay schedules

Additional Services:
• Time and attendance tracking
• Benefits administration
• Workers' compensation
• HR support

Pricing:
• Basic: $25/month + $5/employee
• Plus: $50/month + $8/employee (includes tax filing)
• Premium: $100/month + $12/employee (full service)

Integration: Works with QuickBooks, Xero, and other accounting software.