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Commercial banking accounts.
How long has Presidential been in business?
Presidential Bank has been in business since 1985. We started our online division, Presidential Online Bank, in 1995.
Who owns Presidential?
Presidential Bank is a privately held company.
Are my deposits safe?
Each depositor is insured by the Federal Deposit Insurance Corporation (FDIC) for at least $250,000. Please visit the FDIC website for additional details.
What is Presidential's ABA Routing/Transit number?
Whom do I contact if I have a problem with my account?
As a Presidential customer, you can instantly access your accounts, submit secure email, make bill payments, transfer between accounts and view copies of statements and checks on our web site. If you require additional assistance, please contact our Customer Service Center at 800-383-6266 or 240-333-9059, weekdays 8 am - 10 pm Eastern Time, or use our Secure Email option within Personal Online Banking. The Secure Email option is located in the upper right corner of your Online Banking screen within the Support link.
What should I do if I forget my username and password?
Please contact our Customer Service Center at 800-383-6266 or 240-333-9059, 8 am - 10 pm Eastern Time, Monday-Friday and we will reset your account. You may also reset your password by using the "Forgotten Password" link under Account Login. Due to the secure nature of performing financial transactions on the web, we have taken precautions to ensure no one has access to your login information. As a result, the information is stored in our database in an encrypted format that even we cannot decode. This security measure prevents us from supplying incorrect passwords.
I'm not a US resident and/or not a US citizen. May, I apply for a Presidential account?
To open an account online, you must be a U.S. Citizen with a U.S. address (including military addresses) and Social Security Number in order for us to comply with the U.S. Patriot Act in the verification of new customers. Non-U.S. citizens (non-resident and resident aliens) may be able to open an account in person at one of our branch locations. Proper documentation will be required.
Do I have 24 hour access to my account?
You can access your account with Personal Online Banking from our website. Within Personal Online Banking we provide Online Historical Statements where you can view your electronic Statements from June 1997 through prior month's end, research transactions or reconcile your account. In addition, with Check Images you can view checks you have written from your Presidential account from January, 2003. Deposit Images allows you to view your deposit slips, transfer slips and checks deposited to your Presidential account from July 2006. Tax Statements (1099INT and 1098s) are available from 2008.
Mobile Web Banking, the Mobile App (including BillPayer, Mobile Remote Deposit Capture and Pay People, aka Popmoney Mobile) and SMS Text Banking are also available. Click here to learn more.
Our Customer Service Representatives are available to speak with you personally Monday through Friday from 8 am - 10 pm Eastern Time at 800-383-6266 or 240-333-9059. You may also use our Secure Email Option within Personal Online Banking.
If you do not have online banking access, you may also send an e-mail message at any time to email@example.com, however please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc., since this is not a secure means of communication.
Personal accounts can be accessed 24 hours a day, 7 days a week using our Mobile or Tablet App. Click here to learn more about Mobile Banking.
Our Telephone Banking Service can access your account balance information at any time. The primary owner can call our Toll Free Nationwide Phone Number: 800- 317-6980, 24 hours a day, 7 days a week. Additional owners can contact our Customer Service Center to obtain access as well. You may access this feature from a touch-tone phone anywhere in the U.S. to check balances, transfer funds and review account activity.
Finally, you can access your linked accounts at ATMs worldwide (restrictions may apply).
I've moved. How do I notify you of my new address?
Log into your Personal Online Banking, click on "Secure Forms" then "Customer Contact Form" and submit an address change.
Visit any one of our branch locations. Or, send us written notification of your change of address accompanied by an original signature.
Written requests can be mailed to:
Attn: Customer Service Center
4520 East-West Highway
Bethesda, MD 20814
What is Presidential Bank's email policy?
Your email address will be used for correspondence with you regarding account and other important information. We DO NOT sell your email or other personal information or use it in anyway except as related directly to your business with Presidential Bank. You cannot opt-out of account driven email, except those you initiate such as deposit notifications. Account specific information and other legal correspondence such as revised account terms and conditions will not be sent via email. You may opt-out of non-transactional email communications using unsubscribe procedures found within those emails. Due to the unsecured nature of general email, please do not include secure account information or personal information such as Tax ID/Social Security numbers, passwords, etc. when sending email. An email address is required for all accounts opened via the Internet.
How can I Send a Secure Message?
Our Secure Email Option lets you send and receive secure messages containing account and other personal information from within Personal Online Banking. Simply click on the Support link located in the upper right corner of your Online Banking Page and select Secure Email.
Can I send faxed rather than mailed requests?
Most requests for account updates and transaction requests may be made by fax, with a Fax Authorization Form on file. You must print out the Fax Authorization form located online under Personal Banking, Forms. Simply fill out and mail the form to us so that we will be able to accept faxed requests in the future.
Can you send statements via email instead of regular mail?
You can currently view your statements online by visiting Personal Online Banking and clicking on Statement and Check Services. Businesses can use Commercial Cash Management to access Historical Statements within Online Requests. We do not provide emailed statements; however, you can access electronic (paperless) statements by the 3rd business day after month end. Please visit our Electronic Statement resource page for details and request to "go paperless".
Can a business open accounts online?
Currently we offer an online mail-in application for businesses that are located in MD, DC or VA.
What computer hardware, operating system, software and other considerations will I need to bank online?
For a list of recommended operating systems and other requirements, visit our Online Help Index located on our login page under "Difficulties Logging On".
How can I tell when my connection is secure?
Connections to a secure site will generally begin with https. To confirm that you are connected to a secure site, look for the following:
What are cookies? Can I turn them off?
Cookies are a way that our web servers and your computer can communicate. As you browse our web site, it may ask you to accept cookies. Allowing a web site to create a cookie in your browser preferences will provide better browsing with fewer interruptions. Please refer to the help section of your browser for additional information. When using BillPayer (Payment Manager), third party cookies must be enabled. See Online Help Index for more details concerning cookies.
How can I update my account using Quicken®?
Direct Connect - When you are using Quicken, you can choose to setup your accounts with Presidential (and several other Financial Institutions) using Direct Connect. Direct Connect links the software to the online access and downloads only new data for your accounts to Quicken. This is a more efficient way of updating Quicken.
How can I setup or change my direct deposit?
To initiate or change a direct deposit to your Presidential Bank checking account, please contact your employer. For "U.S. Government Employees/Retirees, you can download (PDF) form 1199a.
How current is the account information online?
For deposit accounts, balance information is real time. During times of maintenance, transactions to your accounts conducted today may not be reflected until the next business day.
What is Presidential's check clearing policy?
Our policy is to make funds from checks available as follows:
The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a check for $700 on a Monday, $200 of the deposit is available for cash withdrawal on Tuesday, and the remaining $500 is available on Wednesday. Additional rules apply to checks greater than $5,000.
Checks Greater Than $5,000: Checks totaling more than $5,000 deposited on any one day, the first $5,000 will be available to you according to our general policy. The amount in excess of $5,000 will generally be available on the first business day after the day of deposit for checks drawn on Presidential Bank, the fifth business day after the day of deposit for all other checks. If your check deposit, exceeding $5,000 on any one day, is a mix of checks, drawn on Presidential Bank, or checks that generally receive next-day availability, the excess will be calculated by first adding together the on-us check, then the other check. View the full check hold policy.
How much do checks and deposit slips cost?
The initial check package is free for Internet Checking and Checking PLUS accounts. This includes:
All orders vary based on style and design. Please call our Customer Service Center at 800-383-6266 or to order checks online:
1) Log in to your Presidential Online Bank Account at the top of this page.
2) Within Additional Services select Check Reorder.
How long do I have to fund an account that I applied for online?
Unfunded applications will be purged after 30 days.
How is my interest calculated?
Interest is calculated on a daily basis, and credited to your account on the last calendar day of the month.
How can I make withdrawals from a Checking Account?
How can I make deposits to a Checking Account?
You can make deposits in one of the following ways:
Can I deposit cash?
Cash deposits are accepted at our branches and at our ATMs. Please do not send cash through the mail.
How long before I get checks and ATM/Visa Check Card after my account is opened?
You should receive your checks and ATM/Visa Check Card approximately 10-business days after the opening date or all account documents have been received.
What are my statements options?
Statements for checking and savings accounts are mailed within the first 6-business days of each calendar month for the prior month's activity. Presidential does not provide statements for certificates of deposit.
You can access Electronic Statements by choosing Statements & Check/Deposit Images within your Personal Online Banking or for Commercial Cash Management customers, choose the Online Requests tab, then Historical Statements, to view past bank statements, research transactions or reconcile your account. Current bank statements are generally available online on the third business day of each month.
Combined Statements allows you to view multiple accounts on the same statement, either through the mail or within Online Banking. Please call, write, or send a Secure Email through Personal Online Banking to take advantage of Combined Statements. Only one checking account may be used when combining statements.
How can I close my checking account?
You can close your Presidential Bank account by mailing a signed, written notice; visit any of our branch locations; or use online banking secure email and a check will be mailed to the address on file, payable to the account holder (phone verification may be required). Writing a check for the balance in the account will not close the account and may cause fees to be assessed.
Can I send $200.00 from a personal account at another bank to meet the direct deposit requirements of the Super Checking and Checking PLUS accounts?
Super Checking and Checking PLUS accounts require an electronic monthly deposit of $200.00 or more from payroll, social security, annuity, pension or a transfer from your own business account. A transfer from a personal account does not qualify.
How can I make deposits to a Savings Account?
You can make deposits in one of the following ways:
How can I make withdrawals from a Savings Account?
Can I deposit cash?
Cash deposits are accepted at our branches and at our ATM. Please do not send cash through the mail.
How long before I get my ATM Card after my savings account is opened?
You should receive your ATM Card approximately 10-business days after the opening date or all account documents have been received.
How do I close a Savings Account?
You can close your Presidential Bank account by sending written notice or visiting any of our branch locations or use online banking secure email and a check will be mailed to the address on file, payable to the account holder (phone verification may be required). If your savings account has a zero balance, it will automatically close after a 93 day period.
Are there any transfer limitations?
Banking Regulations limit third party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer (including online banking or bill payment services) or telephone (including facsimile or data transmission) to your other accounts or third party transactions to six (6) each statement cycle. If you exceed these withdrawal limitations, the bank may close the account or transfer the funds into another account that you are eligible to maintain, or we may take away the transfer and draft capabilities. Transfers made in person, by messenger, or at an ATM are unlimited.
How can I get overdraft protection on my checking account?
Complete our online application for our "Easy Access" overdraft protection plan (available ONLY for personal checking accounts) or our application for Automatic Overdraft Transfer Authorization form.
With "Easy Access" you just write a check when you need money. Funds will be added to your account in multiples of $100, up to your established credit limit of $500 to $5,000. Monthly payments can be deducted from your checking account or you can pay off your full balance whenever you wish, with no prepayment penalty. Borrow only what you need, when you need it, at 17.5% Annual Percentage Rate. There are no fees for using "Easy Access".
With Automatic Overdraft Transfer Authorization you can use your Savings, Checking or Money Market account(s) to protect your other Checking or Money Market account(s) from Insufficient Funds (NSF) or Overdraft situations. Authorize Presidential to transfer funds from your deposit account(s) to your checking or money market account(s) with insufficient funds. Transfers will be debited in account priority order in multiples of $100.00 until the overdraft is covered, providing funds are available in the selected account. There is only one fee of $5.00 per transfer, regardless of the amount required for the overdraft.
Forms can be:
Where can I find an ATM?
Presidential ATMs are located at each of our branch locations. Presidential has partnered with Allpoint and STARsf to bring you 55,000 surcharge-free ATMs. It's easy to find a surcharge-free ATM. Click the or logos to search for a surcharge-free ATM near you.
Learn more about ATMs. . .
Will I be charged ATM fees when using my Presidential Bank ATM/Visa Check card?
We do not charge our customers for any domestic ATM/Point of Sale usage. However, many ATM owners apply surcharges for using their ATMs. This surcharge will vary by ATM owner. Presidential has partnered with Allpoint and Star to bring you over 55,000 surcharge-free ATMs. It's easy to find a surcharge-free ATM: Click Allpoint or STARsf to search for a surcharge-free ATM near you. An International ATM-POS transaction fee (International ATM Cash Disbursement Fee or International Service Assessment Fee (ISA)) will be assessed for use of Visa International ATM or POS terminals (foreign transactions.)
Can I deposit at any ATM?
Deposits are limited to Presidential ATMs only. There are several other methods for depositing into your Presidential account.
Are ATM fees reimbursed?
Presidential does not reimburse fees charged by other ATMs for most accounts. For Checkless Checking accounts, ATM fees are refunded up to $8 per month.
If I open an account, can I have a Visa® Check Card instead of an ATM card?
During the application process you choose either an ATM or Visa Check Card (for personal accounts only). Visa Check cards must be linked to a checking account. You can also apply for an ATM or Visa Check Card by completing the ATM/Visa Check Card application.
Can I choose or change my PIN (Personal Identification Number)?
There are two ways you can select/change your PIN for your ATM or Visa Check Card.
1. When you receive your Card in the mail, there will be a toll free telephone number on the card carrier directing you to activate your card and select your PIN. You will be prompted to follow a few easy instructions. You must call from a phone number currently on file with Presidential in order to activate your card and select a PIN.
Customers without a Tax ID Number will be mailed a system generated PIN separate from your card and can activate the card at an ATM. Please allow a couple additional business days for the PIN to arrive.
Is there fraud monitoring provided with my ATM or Visa Check Card?
Transactions are reviewed by Presidential's free fraud monitoring service. Presidential's fraud monitoring service reviews all card transactions for suspicious activity. If a potentially fraudulent transaction takes place, we'll contact you to verify the transaction(s) and restrict additional transactions, if applicable, to prevent further fraud. Click here to learn more.
Who is eligible for our BillPayer Service?
Our online BillPayer service is available for all Presidential customers with personal checking accounts. BillPayer is not available for business customers at this time. Money Market accounts transaction limits apply. Please see Schedule of Fees.
How do I pay my bills online?
Presidential Bank offers FREE Online BillPayer for those customers who have our Checkless Checking, Checking PLUS, Super, Special or Internet Checking accounts. Otherwise, the service charge is $5.95 per month for the first 10 completed payments, and each additional completed payment will incur a $.40 fee.
Then, it is as simple as listing the company's name or individual's you want paid, the amount you want to pay and the date you'd like your bills to be paid.
Please see the BillPayer Terms and Conditions.
How do I set up my BillPayer account?
After you have opened your account and accessed it online, simply click on the link "BillPayer" and complete the application process. New enrollments to Personal Online Banking have the option to apply for BillPayer during the enrollment process.
I want to change from one checking account to another on my BillPayer. How can I do this?
You can change your BillPayer related checking account number or add additional checking accounts by calling our Customer Service Center at 800-383-6266 M-F 8 am – 10 pm ET.
How are payments sent through BillPayer processed?
Payments can be sent one of three ways, Electronically (ACH), Corporate Check (BillPayer Co. check), or Laser Draft Check (check drawn off customer's account). When payments are entered, you are required to enter the due date or a date prior to the due date. The payment is sent before that date, depending on the payment method so as to arrive on or before the due date. You are not debited until the due date if the payment is sent electronically or by corporate check. If the payment is sent via laser draft, you are debited when the check clears and an image will be returned in your statements with the rest of your imaged checks.
How do I know what payment method will be used?
The BillPayer Co. may initially send a payment out by laser draft if it is a payee that does not match their directory. They may update the payment method after contacting the payee to see if there is an electronic option available. The payment method is not known since it is on a per relationship basis with each vendor and can change based on transaction limitations set by that vendor. If the payment method changes, it will still be sent to assure timely arrival. If a payment is sent electronically once, there is no guarantee future payments will continue to be sent electronically.
When entering a payment, what date do I enter?
You are asked to enter a due date when entering the payment. It is highly recommended that you enter a date earlier than the actual due date to allow sufficient time for payment processing after it is received by the payee. The payment should arrive on or before the date entered. If the date entered is a weekend or holiday, it will be changed to the previous business day to assure timely arrival. Our BillPayer provider does not recognize grace periods provided by payees, and does not take responsibility for fees arising from payments scheduled to arrive during the grace period.
Whom do I contact if I have a payment discrepancy?
If a payment discrepancy occurs, you can contact Presidential's Customer Service Center at 800-383-6266 and we will create a case with the BillPayer provider for you. A response is generally received within 3-business days after the initial sending date.
If I apply for BillPayer and do not use it, will I be charged?
The BillPayer feature is free for Checkless Checking, Checking PLUS, Super, Special and Internet Checking customers only. If you have a Regular or Money Market Checking account, the monthly service fee will be charged even if it is not used.
I have had BillPayer in the past but have not used it for several months. Why can't I access it now?
If you have not used your BillPayer account for at least six months and you are unable to access it now; the account has most likely been deactivated for non-use. If you now intend to use the BillPayer System and would like to be reactivated, please call our Customer Service Center at 800-383-6266.
How do I make my opening deposit to my account opened via the Internet?
You can make deposits in the following ways:
What are the penalties for early withdrawal?
Please refer to our Account Portfolio for Penalty details.
What's going to happen when my CD matures?
Your CD is set up to automatically renew. You will receive a reminder notice one month before maturity that will outline your options. You can view your certificate information online at any time. (Maturity notices are not mailed for 30 day CD’s.) You may also opt to receive a CD Email Maturity notice for CDs greater than 30 day terms. In order to do so, please contact Presidential's Customer Service Center at 800-383-6266 or mail us a written request and include an email address where you would like to receive notice.
Presidential requires a written request to close your CD. Please visit a branch or mail your requests to include specific mailing or wire instructions and your signature. Please mail your request to:
Attn: Customer Service Center
4520 East-West Highway
Bethesda, MD 20814
Closeouts may also be submitted via Secure Email within Personal Online Banking. Checks will be made payable to the account holder(s) and mailed to the address of record.
How long of a grace period after automatic renewal do I have to change my mind?
You have seven calendar days (1 day on a 30 day CD) to either change the term, add funds to your CD or withdraw your funds without a penalty.
How do I withdraw the monthly interest from my CD?
There are a number of options to withdraw the interest from your CD. You may request a monthly interest check, transfer the interest to another Presidential account, or send an interest check to an account at another institution. Please contact us if you would like additional information. For existing accounts, you may send us your signed request in writing. If you would like to have your interest deposited in an account at another institution, please be sure to include the name of the institution, account holder's name, account number, and ABA routing number. Your interest will be mailed to the receiving institution on the first business day of each month.
What does FDIC insurance cover?
FDIC insurance protects deposits in savings, checking, NOW accounts, CD's as well as cashier's checks and outstanding drafts drawn on deposit accounts. In addition, some letters of credit and travelers checks for which an insured depository institution is primarily liable also are insured when issued in exchange for money or its equivalent, or for a charge against a deposit account.
Securities, mutual funds, annuities and similar types of investments and Treasury securities purchased by an insured institution on a customer's behalf or held for safekeeping are not covered.
How much coverage does each depositor have?
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Deposit accounts maintained in different legal ownership categories (such as individual or joint accounts) are insured separately. All accounts in each category in any one institution are added together and generally insured up to $250,000. Much more may be available depending on how your deposit accounts are structured. The most common categories are:
Separate coverage is also available for funds held for retirement purposes such as IRA's, pension and profit sharing plans.
Are deposits in separate institutions grouped together for insurance purposes?
Deposits in different institutions are insured separately. However, if an institution has one or more branches, the main office and all branch offices are considered to be one institution, even if the offices are in different states.
Can I deposit foreign checks at Presidential Bank?
Yes, you can deposit foreign checks at Presidential Bank; however, the checks must be sent for collection, even if in US Dollars, before credit is passed to your account. Collection of a foreign check can take from 3-business days to several weeks, depending on the bank of origin.
Are there fees for foreign collections?
There are fees for collecting on foreign checks. The fees can range from $20.00 for Canadian checks to as much as $55.00 or more for many other foreign countries. There may also be fees from the bank the checks are drawn on for the collection as well as any conversion fees from that bank if applicable. The fees vary, may be significant and cannot be determined in advance by Presidential Bank.
How do I initiate an outgoing wire from Presidential Bank?
Wires can be initiated via the Secure Forms tab within Personal Online Banking, in writing, in person at any branch or by fax (original Fax Authorization Form required to be on file prior to acceptance of faxed requests). A completed Wire Transfer Form (located under Personal Banking Forms) can be mailed to:
Attn: Customer Service Center
4520 East-West Highway
Bethesda, MD 20814
View the Customer Wire Transfer Order Form.
Can I fax Wire Requests?
If you have completed and returned a Fax Authorization Form, to your branch or the Customer Service Center, you may fax all future wire requests to your branch or the Customer Service Center at 301-951-3582.
View all other Branch Locations.
Can I Initiate a Request Online?
Customers may submit Wire Transfer Orders via secure forms within Personal Online Banking in lieu of having a Fax Authorization on file. To place an order, customers log-in to Personal Online Banking, select Secure Forms and choose either the Domestic Wire Transfer Order or the International Wire Transfer Order.
What is Funds Transfer?
Funds transfer (Inter-Institutional Transfers) is a money movement tool available within Personal Online Banking that allows Users to transfer funds between their Presidential Bank account and accounts in their own name at other Financial Institutions or brokerage houses.
Can I Transfer Funds to or from any financial or brokerage house?
Over 23,000 Financial Institutions and brokerage houses are presently participating.
How do I know if my other Financial Institutions are participating?
During the process of adding your financial institution, a drop down list will allow you to search for your financial institution or you may enter the 9-digit ABA routing/transit number.
How does Funds Transfer work?
We process Electronic Funds Transfers (EFT) via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. We submit a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll, and that financial institutions use to carry out automated payments for loans or mortgages.
How much will the Funds Transfer service cost?
Please review the Funds Transfer page to review the fees associated with each type of service.
How will I know when a transfer is complete?
The activity tab provides an up-to-date status report of all your funds transfer requests over the past 12 months. Each transfer request is displayed along with the date and status of the transaction. You should also be able to confirm the completion of the transaction with the Financial Institution four business days after your transaction request.
How much money can I transfer per transaction and per 30-day rolling period?
Please review the Funds Transfer page to review the limits associated with each service. You can also review your limits within the Funds Transfer Service before selecting the amount of the transfer and within the Help Menu under Funds Transfer.
Can I transfer funds into someone else's account?
Yes, but only with the Popmoney service. Once in the External Transfer page, click on Pay Other People. Popmoney allows you to send money directly from your Presidential account to someone's email address, mobile number via text message, or another party's bank account. Likewise, you can receive money into your Presidential account via the same methods. Please review the Funds Transfer page for more details concerning the Popmoney service.
Can I use this service to transfer money between accounts at the same financial institution?
Not at this time; however, you can still make transfers at the same financial institution through your normal online banking service.
Can I transfer money internationally using the institutional fund transfer between my accounts?
No, this facility is still not available due to international legislation that varies across the nations.
Can I set up a funds transfer now to be executed at a future date?
You can enter a date up to one year in the future to schedule a funds transfer.
What is the maximum number of transfers that can be setup as recurring transfers?
There is no limit on the number of transfers that can be setup as recurring transfers as long as they remain only up to one year in the future. As an example; if setting up weekly recurring transfers, up to 52 transfers can be scheduled in advance. However, these transfers are still subject to the Daily/Monthly limits.
Can I set up regularly recurring funds transfers?
Yes, you can set up transfers that automatically reoccur at various weekly and monthly intervals. Note: Recurring transfers are subject to both your Daily and Monthly Transfer Limits. For more information about your transfer limits, please visit the Limits and Fees page.
Can I get higher limits for Funds Transfer?
Exceptions are made on a case by case basis. To inquire or request higher limits, please contact Customer Service at 1-800-383-6266.
What is this rewards program?
This rewards program lets you earn rewards by using Presidential Bank’s debit card to purchase merchandise and services. Through this program, you'll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use Presidential’s debit card, the more offers you can receive and the more rewards you can earn!
Where do I go to see offers?
You can find offers on the Personal Online Banking home page, beneath transactions in the transaction history, or in the "rewards" section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as "New Offers" until you click to activate them. Once clicked, the reward is loaded onto the associated debit card. All offers can be viewed by visiting the rewards summary page.
How do I redeem offers?
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.
Do I need to use a coupon or code to earn rewards?
Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
How long do I have to take advantage of an offer?
Each offer has an offer period that was set by the merchant. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
When do I receive the rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.
I redeemed an offer but it isn't showing up, what is going on?
Offer redemptions do not show up immediately. Generally, they will appear on the rewards summary page within a week after the purchase transaction appears online. If it has been longer than two weeks and your redemption has not yet appeared, please contact our Customer Service Center at 1-800-383-6266 or 240-333-9059.
If I have more than one account will I see the same offers on both accounts?
Offers are matched on an account level, based on the purchases made with Presidential’s debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use Presidential’s debit card connected to that account to redeem the offers for that account.
Can I use any of my Presidential Bank cards to earn rewards?
You have to use the Presidential debit card that is associated with the account that received the offer to earn rewards.
I don't have a debit card, why am I seeing offers?
Sometimes offers are presented to accounts with few debit card transactions in order to introduce the program and show how it works. If you don't want to see offers any longer, you can opt-out by clicking on the "Stop receiving all offers" link on the rewards summary.
Why don't I have any offers?
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your Presidential debit card, the more chances you will have to receive relevant offers!
What if I do not want to receive offers?
You can opt out by clicking on the "Stop receiving all offers" link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt out of the rewards program at this time but change your mind later, please contact the Customer Service Center at 1-800-383-6266 or 240-333-9059 and we will resume providing offers to you.
Is my personal information shared with retailers?
Your personal information is not shared with retailers.
Who administers this program?
This program is administered through a third party. All personally identifiable information is secure and is not shared with the third party. Our third party partner will make best efforts to collect all of the rewards due to you and assumes all liability for the collections. Presidential Bank is not liable for rewards, but will work with the partner to ensure a great customer experience.
Is this program free to use?
There is no cost associated with this program, making it easy for Cardholders to earn rewards. This rewards program is just another benefit of using your debit card.
Whom do I call if I have a question?
Please contact the Customer Service Center at 1-800-383-6266 or 240-333-9059 if you have any questions.
What is Enhanced Login Security?
In order to comply with regulatory guidelines, Enhanced Login Security is an online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information.
Why do I need Enhanced Login Security?
Enhanced Login Security will allow us to authenticate you as the true owner of your account by recognizing not only your login credentials (Customer ID and Password) but also your computer or mobile device. If we don't recognize your computer or mobile device, you will be prompted to receive a one-time access code by email, text message, and/or recorded voice message, or we will request additional information that is known by only you. This will ensure authorized access.
How does Enhanced Login Security work?
Enhanced Login Security uses one-time access code technology to authenticate your computer or mobile device via email, text message, and/or a recorded vocal message. The one-time access code delivery options depend on the information you provide during Login Security Setup. The first time you try to access Online Banking, you will be prompted for Login Security Setup. You will have three options for receiving a one-time access code: email, text message, and/or a recorded vocal message.
You will need to add extra security to each computer and mobile device you use for Online Banking and Mobile Banking. Whenever you login from a computer or mobile device on which extra security has been established, you will automatically have the additional protection and notice no difference in the way you login. However, if you login from a different computer or mobile device than those registered, you will be prompted to authenticate that device. Please note that if you use multiple browsers within the same computer or mobile device you will need to add extra security to each browser separately.
How do you recognize my computer?
When you add extra security to your computer or mobile device, a secure cookie will be placed on that machine. This secure cookie is unique and, when used in combination with your login information, creates a unique way to authenticate your device to the system. For every login attempt after you add extra security to one computer or mobile device, this secure cookie is validated along with the login credentials you normally enter. This secure cookie is only used by Presidential Bank to validate your identity and does not contain any personal information.
What will adding extra security protection do for me?
If someone were to get your login information and try to access your account from their computer or mobile device, having extra security protection will stop them from gaining access because they will not receive the one-time access code nor be able to answer questions of which only you know the correct answers.
What will happen if I remove extra security protection from this computer or mobile device?
If you want to remove extra security protection from a computer or mobile device, the secure cookie will be removed from the computer or mobile device you are currently logged into and all future logins from them will require a one-time access code or answers to questions only you know.
Can I login from multiple computers and browsers?
You can login from as many different computers and browsers as you like. If you login from a computer that you haven't added extra security to, you will be prompted for the one-time access code or asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer, and avoid being asked for this extra information again.
Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.
Can I still login to my account from anywhere?
This feature does not prevent you from logging in from any computer or mobile device. If we do not recognize the computer that you are using then we will simply utilize the one-time access code before allowing you access. Please note, personal and financial data may be at risk when using publicly available internet access.
Why do I keep getting asked for extra information when I login from a computer that I have already added extra security to?
This can happen if you delete cookies from your machine. This is a common method that spyware blocker software uses to remove potentially risky items from your computer or mobile device. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each login, the secure cookie must stay within your computer or mobile device's browser. We recommend that you do not delete this cookie if you do not want to be asked for additional information at each login.
I share my computer or mobile device with someone that also uses Online Banking. Can both of us still login from the same computer or mobile device?
Yes. You can use the same computer or mobile device to login to your individual accounts safely. You will not be able to access each other's information. This is because your secure cookie is linked to only your login credentials. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to never share your credentials, i.e. Customer Number or Password, with anyone.
How does Presidential protect you?
Keeping your online financial and personal information secure and confidential remains one of our top priorities. We ensure your privacy and security by offering technology and services designed by the brightest minds in the online banking industry. Learn more about Online Security.
*APY = Annual Percentage Yield
Presidential Bank reminds you that firstname.lastname@example.org is NOT a secure means of communication. Please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. We encourage you to maintain contact with us through our Secure Email service, located within Personal Online Banking. Help us keep YOUR personal information PRIVATE!
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