Frequently
Asked
Questions
All Cincinnatus locations are open Monday-Friday 9am-5pm, and Saturday 9am-Noon (Drive Thru Only)
Interest Rates
https://cincinnatussl.com/loan-rates/
Contact a Loan Officer or call for our current rates 513-661-6903
Please call for our current rates 513-661-6903
Debit/ATM Cards
Use your ATM at any of our Cincinnatus ATM any time for no fee. Use your ATM card at any Money Pass ATM up to 5 times a month without a surcharge.
The default limits are $1500 for POS (point-of-sale) purchases, and $500 for ATM withdrawals. If you need the limit temporarily adjusted, please reach out to any branch.
ATM/Debit cards can be activated by calling 1-800-992-3808
If your card is lost or stolen call 513-661-6903 immediately. After office hour you can call: 1-800-472-3272. You can also freeze your card through our Mobile App.
Mortgages & Car Loans
Common documents required for a mortgage include:
- Tax Returns (2years)
- Pay Stubs, W2 or Proof of Income
- Bank Statements (2 months, most current)
- Gift Letter if applicable
- Personal Identification
- Mortgage Application
- *Additional documentation will be required.
https://cincinnatussl.com/loan-rates/
Contact a Loan Officer or call for our current rates 513-661-6903
You can always make a loan payment at one of our branches, mail payments, drop box by ATM, ACH or Bill Pay. Additionally, Cincinnatus account holders can make a payment through online banking.
Account Questions
Here are some of the most common documents required:
- Employer Identification Number (EIN) (or a Social Security number, if you’re a sole proprietorship)
- Your business’s formation documents
- Ownership agreements
- Business license
- Personal Identification
Business account required documents very based on type of business. Cincinnatus offers: Sole proprietorship, Partnership, Corporation, and S Corporation. Note: Additional documentation may be required.
Best practice is to call Cincinnatus at 513-661-6903 to schedule an appointment.
Driver’s license, social security number for each account owner.
Minimum deposit required which varies on what account is being opened.
Cincinnatus is fully insured by the Federal Deposit Insurance Corporation so your deposits have the full backing of the Federal government. So, you can rest assured that your money is safe and will be here when you need it.
Customers can set up direct deposit by obtaining the form from a branch.
New wire transfers must be done in person.
Reoccurring &/or established wire can be done over the phone. Please call: 513-661-6903
Cincinnatus Savings and Loan Wire Routing number: 091001322
Customer has to come into one of our branches in order to put a stop payment on a check or do a pre authorized payment.
There a several different alerts that can be set up by clicking on “Alerts” in the top right corner of your online banking page.
If you see a transaction on your account that you do not recognize, please call: 513-661-6903 immediately to begin the dispute process.
A pending transaction might include a purchase, deposit or payment that hasn’t fully processed—sometimes referred to as settled, cleared or posted. Pending transactions can happen when the money needed for the transaction is still moving between accounts, like after using your credit or debit card to purchase gas at the pump or add a tip at a restaurant. Until it processes, a pending transaction could put a hold on an account balance or credit limit. It can affect your available balance—or the funds you’re able to access. In general, it can take up to three business days for a pending transaction to clear.
Checks can be re-ordered on our website, through online banking, or by stopping in to any branch.
Customer can reset their own passwords however, if they have any other issue please call: 513-661-6903 or stop by the branch.
Tip: Look at your checks your account number (10 digits) is the second set of numbers printed on the bottom of your checks next to the routing number.
Cincinnatus Savings and Loan Routing number: 242071033
If you still need help, or just want to talk to a real person, visit any of our Cincinnatus Branches or contact us at: 513-661-6903.
Fees
Our current fee schedule is available at https://cincinnatussl.com/schedule-fees/
An NSF occurs when a check/or ACH was rejected due to non-sufficient funds. Enroll in Sweep today and prevent NSF. A sweep will cover the negative balance as long as the funds are available in your elected secondary account.