If your checking account doesn't have enough money to cover a withdrawal or purchase, an Overdraft Service automatically transfers money into your eligible checking account from your eligible linked account (provided there are funds available in the linked account).

Yes. A returned item is a check or other transaction that is not processed by the bank from which it was drawn. An item may be returned if it will cause the account to overdraw and there is not an Overdraft Service in place to cover it.

Using online and mobile banking is the best way is to ensure that you always have enough money in your account from the time a transaction is initiated until it posts to your account. There are steps you can take to help minimize the possibility of an overdraft, including:

  • Downloading the Johnson Bank mobile app
  • Tracking your balance
  • Setting up alerts

Your HSA account balance is easily accessed with Online or the Mobile Banking app. To learn more or to sign up, visit www.johnsonfinancialgroup.com.

 

Contributions can be made in the following manner:

  • Employer Pre-Tax Contributions – Your employer may directly deposit funds to your Johnson Financial Group HSA account through payroll deduction.
  • In Person Contributions – You or a family member can deposit funds to your HSA at any of our convenient branch locations.
  • One-time IRA Distribution – You may make a one-time IRA distribution from your existing IRA into your HSA. This is referred to as a "qualified HSA funding distribution" and must be made directly by the financial organization of the IRA to Johnson Bank. The funds distributed must be from an IRA to an HSA owned by the individual who owns the IRA. HSA funding distributions are included in your total contribution amount for any given calendar year and you may not exceed the contribution limits. Contact a Johnson Financial Group advisor to initiate an IRA distribution to fund your Johnson Financial Group HSA.

Contributions can be made to your HSA up to April 15 or the tax return due date of the following tax year. For example, if you qualify for an HSA in 2019 you may deposit funds for that year until April 15, 2020. Contributions that are made between January 1 and April 15 for the previous year are called prior-year contributions. HSA owners must make a written election to treat a contribution as a prior-year contribution. If you are making a prior-year contribution, please see an advisor for assistance.

Any individual, including an eligible individual’s employer, may contribute to an HSA on behalf of an HSA owner.

The IRS is responsible for determining qualified medical expenses. For a list of qualified medical expenses, refer to IRS publication 502. It is the HSA holder’s responsibility to ensure the funds from the HSA are being used for qualified medical expenses. Copies of receipts for qualified medical expenses should be kept for record keeping purposes.

If you use funds from your HSA account for something other than a qualified medical expense, the money is subject to income tax and a 20% tax penalty if you are under age 65. If you are age 65 or older, the 20% tax penalty does not apply. For a list of qualified medical expenses, refer to IRS publication 502.

While you will no longer be able to contribute additional funds to your HSA, you may continue to use the money already deposited to your HSA for qualified medical expenses.

Yes. You may appoint a POA on your HSA. Your POA would have access to your account and the ability to order a Johnson Financial Group HSA Debit Card. If you are interested in adding a Power of Attorney to your account, please contact an advisor.

At the time of account opening, you will name a beneficiary on your HSA. If your beneficiary is your spouse, the accounts will immediately become your spouse’s HSA. If your beneficiary is someone other than your spouse, the account ceases to be an HSA as of the date of your death. The beneficiary must claim the amount of the HSA with their income for the year when the death occurred. If you do not name a beneficiary, the funds in your HSA will go to your estate.

Johnson Financial Group will send the following tax forms to you and the IRS annually:

  • 1099-SA – reports all distributions from your HSA
  • 5498-SA – reports all contributions to your HSA

 

You are able to activate your card by calling 866.392.9952.

When your card is misplaced or lost, we encourage you to contact your advisor or the Johnson Financial Group Customer Service Center using our toll free number 888.769.3796. Your advisor will work with you to review your account history, close the card, and order you a new or replacement card.

The new chip card will include chip technology to provide you with enhanced security.

Every time you use your card at a chip‐enabled terminal, the embedded chip generates a one‐time transaction code. The code is virtually impossible to counterfeit and helps reduce fraud for in‐person purchases.

You will receive a chip card automatically when your current card expires.

Once you activate your new card, please destroy your existing card for security reasons.

You can use your chip card for in‐person or online purchases and ATM transactions.

It's easy to make purchases with your chip card. Simply insert the chip end of your card into the terminal with the chip facing up. Leave your chip card in the terminal and sign the receipt or enter the PIN to complete your transaction. Remove your card from the terminal when prompted and take your receipt. If you select CREDIT, you may need to sign for your purchase. Watch a video that demonstrates the new chip card process, visit johnsonbank.com/chipcards.

While your card is in the chip‐enabled terminal, the embedded chip creates a one‐time transaction code. This prevents stolen data from being fraudulently used. If you remove your card too soon, your transaction will be canceled.

If a merchant isn't using a chip‐enabled terminal, you can still swipe your card. You will sign the receipt or enter the PIN to complete your purchase.

Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

For your convenience, your card number will not change. Your card may have a new expiration date, so be sure to update your information with billers that charge your card regularly.

No. Your PIN will remain the same.

No. There are no additional fees to use your new card.

Yes. You can count on the same level of benefits you always have.

The Johnson Financial Group Visa® gift card provides clients with a Visa‐branded stored value card that can be given to anyone and used almost anywhere Visa is accepted as a form of payment.

You can use your gift card anywhere that Visa cards are accepted.

The Johnson Financial Group Visa® gift card is the ideal gift because it may be used at a wide range of retail stores and restaurants, not only in the United States, but internationally as well. The Visa gift card is better than store gift cards and certificates because the recipient gets to choose from almost any store that accepts Visa. Moreover, the card can be used a number of times, at different retailers until the funds are depleted. The gift recipient has maximum flexibility to use the gift as he or she chooses. In addition, as a plastic card, it can be held easily in a purse or wallet without folding or tearing.

No. A gift card is loaded with a predetermined monetary balance. Each time you make a purchase with the card, the amount of your purchase is deducted from the balance on the card. It is similar to a credit card as it can be used like a credit card at millions of locations worldwide.

The Johnson Financial Group Visa gift card can be loaded for any amount between $10.00 and $500.00, including odd amounts (i.e. $37.50).

To use your gift card, you must activate the card and setup a four 4‐digit Personal Identification Number (‘PIN’) for your card by calling us at 800.538.7670 and following the telephone prompts. Once you have completed the activation process, your card will be ready for use. If you do not complete all steps your card will be rejected when presented at the time of a purchase. Once your card is activated, register your card here. This will allow you to track activity and check balances on your card. Registration also allows us to access information on your card if it is lost or stolen or if you need to resolve a potential error on your card. Card registration is also required to have the card covered by FDIC Insurance. If your card is not registered, these services may not be available to you.

To use your gift card you must activate the card and setup a 4‐digit Personal Identification Number (‘PIN’) for your card by calling us at 800.538.7670 and following the prompts. Once you have completed the activation process your card will be ready for use. If you do not complete all steps your card will be rejected when presented at the time of a purchase.

Although your card is not a credit card, you can use your card to pay for transactions the same way you would use a credit card or debit card. You can choose either debit or credit when making a purchase. If you select debit, you will need to enter your four digit PIN number.

Yes, you may receive a cash advance by going into any Visa processing bank or credit union that offers a cash advance option.

No. You cannot access cash from your gift card via an ATM or point‐of‐sale terminal.

You can use your gift card by paying for your purchase inside the gas station. A gift card cannot be used to pay at the pump.

You can use your gift card at a restaurant just as you would at any other merchant. However, it is common for service‐oriented merchants to automatically factor in an additional 20% to cover any tip you may leave on the card. If your total bill, after adding in the additional 20%, exceeds the amount on the gift card, it will be declined. You should ensure that your card has an available balance that is 20% greater than your total bill.

Yes, you can use your gift card at online merchants that accept Visa cards. However, car rentals, hotel rentals and Internet gambling are not available with your gift card.

No. A merchant should not refuse the gift card as a form of payment if the Merchant accepts Visa. Since the card has a Visa logo, it should be accepted wherever Visa is accepted at the point of sale. A merchant may not be able to get an authorization for various reasons, but should not refuse the card.

You will need to combine the value of your gift card with another form of payment. You must inform the merchant how much is available on your gift card, and then ask the merchant to complete a “split transaction” and charge the gift card for the requested balance. You can then pay for the remaining amount of your purchase with another form of payment. It is helpful to tell the merchant up front how much to take from your gift card when making a split transaction. Should you have an issue with a split transaction, please contact the Johnson Customer Support Center at 888.769.3796.

You can receive a listing of your most recent transactions as well as the remaining balance, by calling 800.538.7670 and following the prompts or by going here.

No, additional money cannot be added to your card.

Yes, your gift card will expire when the remaining balance is equal to zero or you have exceeded the expiration date shown on the front of your gift card.

No. Only the recipient may use the card; it is not transferable. The person who has received and signed the card is the authorized user.

No. There is no minimum age required to receive a gift card. However, the back of the card must be signed as you may be asked to provide an acceptable form of identification when making a purchase or performing a transaction using the card.

International transactions made with the Visa gift card will be converted into U.S. dollars using an exchange rate for the applicable central processing date (which is either the date selected by Visa or the government mandated rate). An International Service Assessment Fee of 1% on all international transactions will be assessed if the transaction involves a currency conversion (excluding Puerto Rico and the U.S. Virgin Islands). This fee will be passed to the card owner.

Call Customer Service at 800.538.7670 immediately. The gift card must have been registered in order for any action to be taken if the card is lost or stolen.

You can return items purchased with your gift card; however, you are subject to the individual merchant's return policy. Since additional money cannot be added to the card, funds cannot be placed back on the gift card. Based upon the merchant's return policy, you might receive cash, an exchange or store credit.

You cannot submit a billing dispute or request a stop payment. If you have a problem with a purchase, you must address that problem with the merchant involved.

Mobile payment technology can be used with these Johnson Financial Group cards: Johnson Financial Group Visa® Personal Debit, Business Debit, Health Savings Account and Line of Credit – Apple Pay™, Samsung Pay™, and Google Pay™ Johnson Financial Group Visa® Credit Cards – Apple Pay™, Samsung Pay™ and Google Pay™ Johnson Financial Group American Express® Credit Cards – Apple Pay™

To view the compatible devices for mobile payments visit: Apple Pay™ – www.apple.com/apple-pay/ Samsung Pay™ – www.samsung.com/us/samsung-pay/ Google Pay™ – www.pay.google.com/about/

Mobile payments can be made with any merchant who can accept contactless payments.

Yes. You can make mobile payments internationally as long as the merchant can handle contactless payments.

For in‐store contactless payments you do not need to be connected to the internet.

Enrolling in Apple Pay is easy. If your card is already on‐file with Apple (iTunes) and is eligible for the service, you will be offered an option to use it as your default account for Apple Pay. You can add other cards and will be prompted for a one‐time entry of account details such as name, card number, expiration date, and the three digit card verification value that can be found on the back of your card. Johnson Bank and Apple will work behind the scenes to create a digital version of your account and enable you to start making payments with Apple Pay.

To add an eligible card on a compatible Samsung phone, open the Samsung Pay app and then tap ADD. When adding your card, you can choose to take a picture of your plastic card or manually enter your card information. For each card you add, you will need to enter your security code (the 4‐digit number on the front your card), billing address and accept the terms of use for Samsung Pay.

Most Android phones come with the application pre‐installed. If it is not, you can download it through Google Play Store. In the Google Pay app on your device, touch the + sign to add a credit or debit card to pay using your phone. Position your card in the camera frame to automatically enter your card information. Enter the security code found on your card and provide additional information as required. Accept the terms of service and set your screen lock. (Activating Device Administrator is part of the Google Pay setup process.) Follow any additional steps to verify your card.

For any new or replacement cards, you will need to go through the initial set up and provide the required details to add the card to your device and begin making mobile payments.

Any returns should be processed as they are done today. However, individual merchant return policies may vary.

Receipts should look the same as they always have. However, in some cases, receipts created from mobile payments may display the last four digits of your digital account which may differ from the last four digits of your physical card.

You can download up to 500 completed transactions or 45 days of account activity at one time. File formats to choose from include Quicken software (WebConnect), QIF and CSV.

You can place a Stop Payment on a check or range of checks by clicking on Customer Service and under Account Services, select Stop a Check. You can also view checks you have asked us to stop by clicking on View Stopped Checks.

You can send us a secure message by clicking on Customer Service, and under Contact Options, select Contact Us.

A one‐time security code is a randomly generated one‐time code we provide for you. You will enter the code to help prevent fraudulent transactions and unauthorized access to your accounts and financial information.

Please remember, we will never call, email or text to request your one-time passcode, PIN, Social Security number, password or User ID.

A one‐time security code provides you with an extra layer of protection to ensure your funds and financial information are safe. By requiring the entry of a one‐time code and the use of a phone number you have on record with us, fraud is prevented even if an unauthorized user learns your User ID and Password. By using a one‐time security code, you are also notified if an unauthorized user tries to access your account information or complete transactions without your knowledge.

Using a one‐time security code is easy! We'll give you the one‐time code by calling you or sending you a text message using a phone number you have on record with us. Please remember you will need to be near your phone and the number you use must correspond to the current numbers we have on file for you. Once you receive the code, you'll be prompted to enter the one‐time security code to complete your login.

No. Once the one‐time security code is entered, you cannot use it again.

Typically, these changes take effect when your next eStatement is produced.

Due to regulations, IRA Savings accounts will receive a paper statement via the mail. In addition, as an individual account owner you can combine your IRA Savings account statement with your checking, savings or money market account statement. When you choose to combine your statements, you will then be able to select online statement delivery for all of your accounts including the IRA Savings account. If you are unable to combine your IRA Savings account statements with another deposit product, you will not be able to choose online statement delivery for your IRA Savings account.

Personal Finance is a comprehensive financial management tool which includes spending reports, budgeting and transaction management to help you consolidate and manage all of your finances in one place.

With Personal Finance, you can manage all of your finances. View your accounts from Johnson Financial Group and those at other Financial Institutions – all with one login. Track expenses, manage your account information, create a budget and calculate your net worth. Plus manage your investment portfolio and track your home's value over time.

You can add all types of accounts including checking, savings, credit cards, loans, investment accounts and real estate properties.

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

You can send money to friends, family and others you trust.2

Since money is sent directly from your bank account to another person's bank account within minutes,1 it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile phone number.

You can send, request, or receive money with Zelle. To get started, log into your Johnson Bank mobile app and select “+” and “Zelle”. Enter your email address or U.S. mobile phone number, receive a one‐time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your existing Zelle contacts (or add a trusted recipient's email address or U.S. mobile phone number), add the amount you'd like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1

To request money using Zelle, choose “Request,” select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit “Request.”3

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.1

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Johnson Financial Group.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification—you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.2

Since money is sent directly from your bank account to another person's bank account within minutes,1 Zelle should only be used to send money to friends, family and others you trust.

Neither Zelle, nor Johnson Financial Group, offers a protection program for any authorized payments made with Zelle—for example, if you do not receive the item you paid for or the item is not as described or as you expected. If you have never met the person or aren't sure you will get what you paid for, we recommend you do not use Zelle as payment.

Johnson Financial Group does not charge any fees to use Zelle.4

It's easy—Zelle is already available within your Johnson Bank mobile app. Check our app and follow a few simple steps to enroll with Zelle today. To use the Johnson Bank mobile app, you must enroll in eBanking.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's bank isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle through your Johnson Bank mobile app, your name, the name of your bank, and the email address or U.S. mobile phone number you enrolled is shared with Zelle (no sensitive account details are shared—those stay with Johnson Financial Group). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile phone number in its “directory” and notifies Johnson Bank of the incoming payment. Johnson Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile phone number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. Neither Zelle, nor Johnson Financial Group, offers a protection program for any authorized payments made with Zelle.

Money sent with Zelle is typically available to an enrolled recipient within minutes.1

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes.1

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call the Johnson Financial Group Customer Support Center at 888.769.3796.

Yes! They will receive a notification via email or text message of your payment, or if they are not enrolled in Zelle, an invitation that includes instructions on how to enroll.

Keeping your money and information safe is a top priority for Johnson Financial Group. When you use Zelle within our Johnson Bank mobile app, your information is protected with the same technology we use to keep your bank account safe.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Zelle nor Johnson Financial Group offers a protection program for any authorized payments made with Zelle—for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union.  If you receive a message that says you are already linked to a different financial institution, you’ll need to choose to use a different email address or U.S. mobile phone number or transfer your email address or U.S. mobile phone number to the Johnson Bank mobile app.  Zelle only allows an email address or U.S. mobile phone number to be enrolled at one financial institution at a time. Please call the Johnson Financial Group Customer Support Center at 888.769.3796 for assistance.

Most personal deposit accounts (checking, savings and money market) are eligible for Mobile Deposit. Deposit accounts must be open for greater than 30 days or have an initial deposit of $5,000 or more.

Most checks can be processed through Mobile Deposit. We are unable to accept International Checks, Traveler's Checks, Savings Bonds, or Third Party Checks through Mobile Deposit.

Yes. You will be limited to deposits of $6,000 per business day and $12,000 over a period of 5 business days.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

You should endorse the back of your check with the following: For Mobile Deposit Only, Johnson Financial Group, followed by your signature.

You will receive a Deposit Received Notification by email when your deposit has been received.

When your deposit is processed, you will receive a second email, either a Deposit Approved Notification or a Deposit Declined Notification. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

If your deposit is received prior to 7:00 p.m. Central Time on a Business Day, the deposit will be processed on that same day. If your deposit is received on or after 7:00 p.m. Central Time or on a non‐Business Day, your deposit may not be processed until the next Business Day.

No. You can make multiple deposits in the same session however, each deposit can only contain one check.

The system will automatically review the check image for issues such as blurry text, cut‐off images, and missing information. You may be prompted to retake the photo or resupply any pieces of information that are not included or accepted before your deposit will be processed. If you are unable to photograph a clear image, you can also make the deposit at the nearest Johnson Financial Group location or by mailing your deposit to Johnson Financial Group for processing.

After you receive the Deposit Approval Notification via email, we recommend that you securely store the original item for 10 Business Days after transmission to us. Promptly after the 10 Business Day retention period expires, you should destroy the original Item by first marking it VOID and then destroying it by cross‐cut shredding or another secure means of destruction. After destruction of the original Item, the image will be the sole evidence of the original Item.

No. At this time Mobile Deposit cannot be used to initially fund a new account.

If a deposit has been submitted with an error, please contact your Johnson Financial Group advisor, or the Johnson Financial Group Customer Support Center at 888.769.3796.

If the same deposit is submitted twice, it will be identified and stopped in processing. Should this occur, you will receive a Deposit Declined Notification for the second deposit received through the Mobile Deposit service.

If a deposit is returned, please do not re‐deposit the check with Mobile Deposit. You will receive written communication from Johnson Financial Group if a deposit is returned.

You must be enrolled in eBanking and successfully download the Johnson Bank mobile app from Google Play™ or the App Store. You also must have an iPhone, iPad or the Android phone to use Mobile Deposit. NOTE: Mobile Deposit is NOT available for Android Tablets at this time.

Your mobile phone must have an appropriate data plan that allows the transmission of data over the internet.

The processing from device to the bank and back is not controlled by Johnson Financial Group. This is dependent upon your device, carrier, memory on the device, and current connection that you have. Try to improve one or more of these elements and re‐try uploading the check again.

Cardless Cash allows debit cardholders to withdraw cash from a Johnson Financial Group ATM using the Johnson Bank mobile app without inserting their card into the ATM.

Customers who have an eligible Johnson Financial Group checking account and debit card and are also enrolled in eBanking and Mobile Banking.

Johnson Financial Group personal checking accounts can be used with Cardless Cash. Savings, Business Checking, Health Savings, Money Markets and Home Equity Line of Credit accounts are not eligible for Cardless Cash. However, transfers can be made via Mobile Banking into your checking account for the withdrawal. Transfers out of savings and money market accounts through Mobile Banking are subject to monthly Reg D limitations.

Follow these simple steps to use Cardless Cash:

  1. Log into the Johnson Bank mobile app
  2. Select Cardless Cash from the + menu
  3. On the withdrawal screen, select your account, enter an amount and save the transaction details (when scheduling the withdrawal in advance)
  4. At the Cardless Cash supported ATM, press the Cardless Cash button on the ATM. Tap the Cardless Cash option within the Johnson Bank mobile app to launch the QR code scanner and scan the QR code
  5. Collect your money from the ATM. Your eReceipt will appear on your phone screen and will be saved in the app

A QR code is a machine-readable optical code consisting of a pattern of black and white squares.

All Johnson Financial Group ATMs are available for Cardless Cash. From the app, you can see a list of ATMs by clicking on Find Cardless Cash ATMs.

Yes, Cardless Cash is secure. Since you do not need to insert a card, Cardless Cash eliminates the possibility of your card being skimmed or your PIN being compromised at the ATM. No debit card information is stored on your phone and no two QR codes are the same.

Using the phone's fingerprint or PIN security will allow you to lock your phone's display and access to the phone. Using this security setting for your device will help prevent unauthorized access to your phone contents. The Johnson Bank mobile app is protected with a password, passcode or TouchID. If your phone is stolen, the app cannot be accessed without the login credentials.

The daily withdrawal limits are the same as your debit card.

The transaction will appear on your statement as an ATM withdrawal, just like an ATM transaction using your physical card.

There is no fee to use Cardless Cash and is free as part of the Johnson Bank mobile app. Please remember phone message and data rates may apply.

The transaction will be saved for you to use with your next Cardless Cash transaction. Simply change the dollar amount and use the saved transaction the next time you use Cardless Cash.

The withdrawal is real-time and the funds will be deducted from your account when the funds are disbursed at the ATM.

iPhone and Android smartphones are able to download the Johnson Bank mobile app and access Cardless Cash.

Sharing login information is not allowed. Cardless Cash will require each user to have their own individual login to eBanking and the Johnson Bank mobile app. Cardless Cash will only have the card associated with the individual who enrolled for eBanking and Mobile Banking, even if it is a joint account.

To utilize Cardless Cash, you may only have one debit card, in your name, linked to your personal checking account. Your checking account will not appear in Cardless Cash if more than one debit card in your name is linked to it. One of these debit cards will need to be closed in order to utilize Cardless Cash. Contact your advisor or the Johnson Financial Group Customer Support Center at 888.769.3796 to assist you.

The first time you use Cardless Cash you will be prompted for your debit card PIN. A PIN validation will only occur again if you install a new Johnson Bank mobile app, use a new or different device for Cardless Cash, or go into your phone settings and clear the cache.

Call the Johnson Financial Group Customer Support Center at 888.769.3796 to reset your debit card PIN attempts. If you do not know your PIN, they can mail you a PIN reminder.

eReceipts will be available in the app for 30 days and can be found under Cardless Cash in the Recent tab.

To add a new payee within eBanking, click on Make Payments in the main navigation bar and enter the name of the payee in the Pay Someone New field and click Add. Then, follow the remaining instructions to provide the details of your new payee. In the Johnson Bank mobile app, choose the More icon, tap Payees and Add (+) to enter the payee information.

Nicknames are given to your payees to help you identify your accounts quickly. To change a payee nickname in eBanking, click the appropriate payee name and then click the Change Payee Nickname link. In the Johnson Bank Mobile app, choose the Payee and tap Edit.

Only you can authorize payments. You can tell us who, when and how much to pay. Payments are issued electronically or via paper checks, depending on what your payee accepts. Both electronic payments and paper checks always include remittance information, ensuring that your payee can accurately record that a payment has been received for your account.

To cancel a payment in eBanking, click Cancel under Pending Payments. This must be done at least 24 hours before the payment is to be processed. In the Johnson Bank mobile app, choose the Recent icon, tap Bill Payments and choose the payment and tap Cancel.

You may register for Bill Pay through enrollment, or by clicking at any time on the Make Payments tab found in your eBanking. You will be asked to read and accept the Terms & Conditions. Failure to accept the Terms & Conditions prevents the registration process from proceeding. Once you have enrolled for Bill Pay through eBanking, it will also become available in the Johnson Bank mobile app.

No. The ability to directly place a stop payment on a bill payment in eBanking is not available. To place a stop payment, contact the Johnson Financial Group Customer Support Center at 888.769.3796.

Yes. The maximum dollar amount per payment is $30,000.00, and the maximum amount per day for all combined payments is $50,000.00.

The following holidays are non‐processing dates for Bill Pay: • New Year's Day • Observance of Dr. Martin Luther King, Jr. Day • President's Day • Memorial Day • Independence Day • Labor Day • Columbus Day • Veterans Day • Thanksgiving Day • Christmas Day. Be sure to take these dates into account when scheduling payments. When scheduling payments, allow three to five business days for companies to receive payments sent electronically, and five to seven business days for payments sent by check. You will see the method of payment displayed on the Payee or Schedule Payments screen.

Yes. Payments can be made to government agencies. The following are examples of government agencies: • Municipalities • Student Loans • Court‐ordered payments. Although we offer this payment option, keep in mind that Johnson Financial Group has limited ability to research any problems with a payment made to a government agency, due to the government's strict adherence to the Consumer Privacy Act. Also keep in mind that these payments might not be processed by the government on a timely basis without the attachment of any required government forms.

To request a copy of a Bill Pay check, contact the Johnson Financial Group Customer Support Center at 888.769.3796.

No. Payments made using Bill Pay can only be sent within the United States.

From the Receipt List, tap Capture Receipts. For iPhone devices with iOS 9 or above, you will default to Automatic capture mode, with the flash automatically turned on. Arrange the receipt edges on the screen so that the whole receipt is visible. Hover over the receipt, holding still to give the camera time to capture the image. Avoid white surfaces, to allow the camera to detect the edges of the receipt. The other camera capture mode is Manual. The flash will be automatically turned on. Use the crop bar and grid lines to eliminate the background in the receipt image and ensure the receipt is straight. Tap on the receipt to focus on the receipt's text. Tap on the circular capture button at the bottom of the screen to capture the image.

For very long receipts, it is best to be in Manual mode, otherwise the receipt may be too far away from the camera to take a clear image with legible text. Start by capturing an image of the top part of the receipt in Manual mode. Then tap on Add Section in the following screen and line up the next section of the receipt so that it matches the image of the first section, which is visible near the top. Again tap on the circular capture button at the bottom of the screen to capture the image of the next section. Ensure the separate captures are seamlessly stitched together by sliding the previous image capture over the new capture to meet where the previous image ended.

Two‐sided receipts should be captured in Manual mode so you can capture all the receipt details. Take an image of the front of the receipt, then tap on Add Section to take an image of the back of the receipt.

Typically, paper receipts will process quicker than email receipts. They could appear in the listing page as quickly as a few seconds, but may take up to 24 hours to post.

The first step in using Digital Receipts is to create a personal Receipts email address. This email does not have a visible inbox to compose or view messages. Instead, it is used to securely store electronic receipts. If a merchant offers an electronic receipt option, you can provide them with the Receipts email address and you can also forward electronic receipts to the Receipts email.

If you have a receipt in your personal email inbox, simply forward it to your personal Receipts email address that you created during the setup of Digital Receipts. If you ever forget your @myreceipts.us email address, you can find it at the top of the Receipt List screen.

Yes. This will save you the step of remembering to forward your e‐receipts and online order confirmations. Instead of entering your personal email address, you can provide a merchant your @myreceipts.us email address and any receipts sent by that merchant will be automatically added to your Receipt List.

Double check the email address you are using against the email address that you see at the top of the Receipt List screen. Try forwarding the receipt again. It may take a few minutes to process your receipt. Additionally, if you are unable to find your email on the Receipt List page, you may find it in the Non‐Receipt email listing page. You can find the Non‐Receipt Listing page by tapping on Notifications. If there are emails marked as Non‐Receipt, there will be an element that will say 1 Email was marked as a Non‐Receipt. Click on the notification to be directed to the Non‐Receipt email list.

Merchants may try to make the checkout experience better by memorizing the email address you previously used instead of asking for it again. They do this by keeping the email address on file for the debit/credit card you previously used.

You are unable to change the @myreceipts.us email address you selected to another email address.

Home equity is the value of your home that you actually own. In other words, it’s the value of your home, minus what you still owe.

With a home equity line of credit, you can borrow a certain percentage of your home’s equity as a line of credit. The line of credit is convenient. Borrow what you need, when you need it (up to your credit limit). 

Interest on home equity loans or lines of credit may be tax deductible. Consult your tax advisor regarding tax deductibility.

If you’re changing jobs or planning to roll over your employer retirement plan, you can deposit your funds in another retirement plan or IRA within 60 days. Depending on your individual situation, you may have several options that allow you to keep the tax-deferred status of your retirement account.

Choosing to roll over your money directly to a traditional IRA means you’ll most likely avoid any tax implications while still enjoying the potential benefits of a tax deferred plan.

  • Avoid tax implications and penalties
  • Funds remain tax deferred
  • Large selection of investment choices

Your former employer may allow you to keep your retirement plan in place. However, you won’t be able to make any additional contributions.

  • Avoid tax implications and penalties
  • Funds remain tax deferred
  • Unable to make any additional contributions
  • Choose to roll over your funds at a later date

You’ll want to know if your new employer accepts rollovers. The rollover keeps your retirement money in one account, which may make managing your money easier.

  • Avoid tax implications and penalties
  • Funds remain tax deferred
  • Combine retirement funds and grow your money through continued contributions
  • Follow new employer retirement plan guidelines

If you choose to take a cash out option, you need to be aware of the numerous drawbacks.

  • Income taxes and penalties
  • May push you into a higher tax bracket
  • Lose all future tax-deferred compounding of your money

If you do not have a will when you die, the state, by law, dictates where your property goes. These laws are referred to as intestacy laws.

Without a Financial Power of Attorney, financial decisions cannot be made until someone (presumably a family member) retains an attorney and petitions the court to appoint a guardian of your estate.

Without a Healthcare Power of Attorney, healthcare decisions cannot be for you until someone (presumably a family member) retains an attorney and petitions the court to appoint a guardian of the person for you.

A revocable trust is subject to change or amendment; an irrevocable trust cannot be amended.

Property owned by your revocable trust is not protected from your creditors, including a nursing home.

When you leave your property in a trust for your children, the trust can be designed to protect the property from your children’s creditors, including a divorcing spouse.

A family mission statement is a critical document to communicate your wishes and beliefs to key decision makers. It can help ensure that they will make the same decisions you would make if you were here. Do you need one? No. Do you want one? Without question.

The market value is the amount a buyer would pay for your home. The market value of your home is impacted by the local housing market, housing shortages, and the number of new homes being built near you and your location. Market values fluctuate constantly and are not always a reliable source for replacement costs. Replacement cost is the total cost to rebuild or repair your entire home. The cost to replace your home includes the expense and availability of labor and materials, fuel costs and the special characteristics within your home. In most cases, the cost to rebuild your home is often much higher than what you paid for your home or the market value.

Yes. Save up to 20% in annual insurance premiums when you choose to bundle your auto and homeowners policies.

Find out more about our auto insurance policies.

You have the option to add back-up sewer and drain coverage to your homeowners insurance policy. It covers the costly damage from the backup of water or waterborne material through a sewer or drain and overflows from a sump or drain.

Renters insurance covers furniture, TV, phone, laptop, clothes, jewelry and other belongings in your apartment.

Renters insurance can also cover your valuables when they are not in your home. For example, if your laptop gets stolen or damaged while you are traveling, renters insurance will pay to replace it.

Additionaly, renters insurance covers damage to your belongings from theft, fire, water damage, visitor injury, vandalism and other covered losses.

Renters insurance does not cover a misplaced laptop, phone, etc. It also does not cover damage done by your pet or your roommate's belongings.

Renters insurance also will not cover natural disasters (damages caused by flooding, earthquakes, sinkholes, etc.), property damages caused by pests or items of high value (antiques, art, family heirlooms, etc.).

Review these options to submit a claim:

  • You can submit a claim online or through your mobile device with Johnson Insurance Connect. Select Submit a Claim to electronically send us the details, photos and important claim information in the event of a loss. Our claims advocate will then complete the claims process during regular business hours.
  • Call Johnson Insurance at 800.236.5546 to report a claim. Our claims advocate will guide you through the claims process and answer any questions you may have.
  • If you have a claim emergency after hours please call 800.236.5546. Our after hours service will take your information and in the event you need immediate assistance a Johnson Insurance representative will be notified to assist you.
  • Call the insurance company directly. Many of the companies we represent will provide you with claims service in the event of an emergency or if you need after hours assistance.

Proof of insurance is required for many instances. You now have your Auto ID cards with a click of a button. Available online or on the app, click Auto ID Card and select the vehicles to view or email yourself a copy of the card. If you access the Auto ID card feature through the app, your card will appear on your phone.

When a change is submitted via Johnson Insurance Connect, a notice is sent to Johnson Insurance and will be processed by your agent. The agent will provide you with a confirmation once the changes are effective. For your protection, coverage cannot be bound or changed via voice mail, email, fax, or online via the agency's website, and is not effective until confirmed directly with a licensed agent.

You may find your vehicles or drivers listed twice if you have an Auto and Umbrella policy. The person or the vehicle is not covered twice by any policy. The listing of the vehicles and drivers is based on how the data is stored with the insurance company.

CSR 24 is the application that supports Johnson Insurance Connect. The automated responses sent from @CSR24.EMAIL are generated when you make a policy change, submit a claim, or request information from us. The emails confirm the request you submitted has been sent for review by your agent.

Click on Driver Changes to view the list of drivers on your policy. You may request to add and or delete a driver to the policy. Your request will be submitted to your Johnson Insurance personal service team and we will update your policy accordingly.

Click on Vehicle Changes to view a list of vehicles on your policy. You may request to add and or delete a vehicle on your policy. Your request will be submitted to your Johnson Insurance personal service team and we will update your policy accordingly.

Please refer to your policy information for resources on how to make a payment. Many of the insurance companies we represent provide multiple payment options. Please note changes submitted through email or Johnson Insurance Connect are not bound, amended or changed until confirmed by a licensed agent. We will reply to your request within the next business day of your request.

You may contact your agent via their direct phone number or email. Our team is also available Monday through Friday 8 am to 5 pm by calling 800.236.5546 or emailing personalinsurance@johnsonfinancialgroup.com.

A commercial real estate broker is a type of professional who has been licensed to help various clients buy, sell or lease real estate properties. These properties are generally used for commercial purposes. If someone wants to use a property for their home, they will need to seek out a residential real estate broker instead. An easy way to understand what a commercial real estate broker does is to imagine that they are the “middle man” between a business and a property or building they want to purchase for their business.

A commercial real estate loan is a type of mortgage loan that has been secured by a lien (legal right) on property for commercial purposes. These loans are used to allow businesses to make a larger transaction and purchase of commercial real estate for their business. Property that has been purchased for commercial intent is usually sold to entities (corporations, partnerships, developers, trusts, funds, etc.), rather than individuals. Commercial real estate loans can last, on average, anywhere between five and twenty years, which is much shorter than its residential counterpart, which is often times a thirty year period. The amortization period of a commercial real estate loan can also be longer than the term length of the loan itself. This structures the loan in a way that allows commercial entities to make payments for a shorter period of time at rates designed for longer terms. At the end of the loan, a final “balloon payment” will be made to complete the loan’s repayment.

Commercial real estate brokerage can be compared to investment banking, but for commercial properties. A commercial real estate brokerage is a team of individuals who are part of a firm that connects property sellers with property buyers. Brokers who have helped with a commercial real estate transaction will take a percentage of the deal, known as a commission. There are a lot of factors and variables that are involved with being able to connect the perfect buyers to specific pieces of property, which is why real estate brokers are so important and valuable in the real estate world, both commercial and residential. As a seller of commercial real estate, a brokerage has a network of individuals and firms to work with that can connect you to potential buyers. As a buyer of commercial real estate, a brokerage has a list of property sellers who can be recommended for your commercial entity or business.

Commercial real estate lending is the process in which a buyer of commercial property acquires financing or mortgages necessary to make the property purchase. Without commercial real estate lending, a potential buyer would need to have all of the funds necessary to purchase the property. Instead, commercial real estate lending allows businesses and commercial entities to acquire financing (like a loan) to purchase their property and pay the lender back over time.

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