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Fremont Bank's ABA Routing Number for electronic payments (including direct deposits and automatic payments) and ordering checks is 121107882. You can find it at the bottom of your check:

Getting started with Online and Mobile Banking is easy. Click this link. Then click “Enroll” at the bottom of the screen and you will be guided through the setup process.

You can also enroll from our mobile banking app. Download our Mobile Banking App on the iOS App Store or Google Play Store, and check out our helpful tips [this page is being converted into FAQs - link to this section] to get started.

You will be prompted to select an Access ID and password of your choice. After that, you can change your password at any time. Your password must be 8–32 characters in length, and must include at least one number, one uppercase letter, one lowercase letter, and one special character. Passwords are case sensitive.

If you have any questions please call us at (800) 359-BANK(2265).

Zelle® is available for personal checking accounts within Fremont Bank’s mobile banking app and online banking as part of our Payments Services! To access Zelle®, you must first enroll in Payment Services through Personal Online Banking. Once enrolled, you can access Zelle® from Personal Online Banking or the mobile banking app.

We recommend you enroll before someone sends you money. This will help you get your first Zelle payment faster. To enroll in Payment Services:

  1. Log in to Personal Online Banking and select the Bill Pay and Zelle® menu
  2. Click Enroll and accept the Terms of Services and Privacy Policy
  3. Review your information and complete the validation step
  4. Select what else can I do? on bottom right corner
  5. Select the Send Money With Zelle® tab
  6. Register your Email or Phone number within Zelle, and confirm your account
You are ready to send money with Zelle!

Please review your loan funding package for instructions on how to enroll.

To enroll in Online and Mobile Banking, click this link. Then click “Enroll” at the bottom of the screen and you will be guided through the setup process.

If you have any questions please call us at (866) 222-6304.

If pop-ups for Payments or External Transfers are being blocked by your browser’s pop-up blocker, follow the steps below to change your browser preferences to allow pop-up windows from Fremont Bank while in online banking.


For Safari:
  • Select Safari > Preferences, then select Websites at the top of the window
  • Select Pop-up Windows on the left
  • Find “online.fremontbank.com” and/or “fremontbank.com” and set the drop-down to allow
For Chrome:
  • Click on the 3 vertical dots in the upper right corner of the browser window
  • Click Settings
  • Scroll down to Privacy and Security, then click Site Settings
  • Click Pop-ups and Redirects In the allow section, click Add
  • Enter fremontbank.com
You can make your loan payment, and sign up for automatic loan payments, in Personal Online Banking. Log in and click on your loan account, then click 'Make a Payment' and choose a payment option.

Business clients can sign up for the ability to wire funds in Business Online Banking. Personal wires must be done in a branch.

Learn more about wires for business clients visit Business Online Banking.

Online Bill Pay is a complimentary service available to anyone that is currently enrolled in our Personal Online Banking service and has a checking account. After you log in, select BillPay and Zelle® from the left navigation menu and follow the enrollment steps. Add a company or person to pay (you can browse names or add a company or individual manually.) Choose when and how much you want to pay. Select Make Payments and you’re done!

Watch our Online Bill Pay Demo

Online Bill Pay is a complimentary service for personal account holders. 

Go to the Send tab and select a recipient from your contact list.



Then click on the Limits icon to see how much you can send.

Your account numbers can be found in the top right corner of your paper or digital bank statements.



Log in to your online banking account and select 'View Statements' to download your deposit account statement, or locate your account number on one of the paper statements you've received in the mail. You can also find your checking account number at the bottom of your checks, as shown here:

Direct deposit is a free service that automatically deposits recurring income into your Fremont Bank account. To set up direct deposit, please fill-out this form and submit it to your employer or payer so future proceeds can be deposited directly into your Fremont Bank account.
Absolutely. With the Fremont Bank Mobile Banking App, you can deposit your check almost anytime and anywhere. Simply download the app and log in, then tap 'Deposit,' enter the amount, snap a picture of the front and back of the check, and you are done.

To see a video that walks you through the steps, click here

Download our Mobile Banking App on the iOS App Store or Google Play Store.

 
Overdraft protection is a discretionary service that may help you avoid declined transactions by automatically transferring funds from a linked account when you accidentally overspend. Overdraft protection is available on most checking accounts. It is not available on savings account or any account owned by a minor. You can start overdraft protection by requesting that we link a transactional account to your checking account.

If you have sufficient funds in your linked account(s) for overdraft protection, your transactions will be approved. If not, your transactions will be declined, unless you have available funds from an overdraft line of credit. Available funds in your linked account(s) will be used to pay transactions on your checking account and help you avoid overdrafts or returned items. A single account linked overdraft protection transfer fee will be assessed, regardless of the number of transactions we paid from your account that day. 

Fremont Bank offers a variety of services that can help you manage your accounts and avoid debit card declines. You can opt-in to debit card overdraft services here. We encourage you to consider the lower-cost services first. We further encourage you to contact us  to discuss all of our overdraft protection solutions and determine which one is the best fit for you.

Identity theft is a crime in which the imposter obtains key pieces of information, such as Social Security and driver's license numbers, and uses them for his or her own gain. Victims are left with a complicated task of restoring their good names, and sometimes damaged credit scores, financial history, business ratings, and criminal records.

No matter what type of identity theft is involved, the result is a long and sometimes arduous road to recovery. As in all crimes, preventing the crime from occurring in the first place is key.

Here are some positive steps to take which will decrease your risk of fraud and identity theft:

  • Check your credit reports once a year from all three of the credit reporting agencies. If you suspect your identity has been stolen or you find something suspicious on your credit score, you may be able to freeze your credit to prevent further damage.
  • Protect your Social Security number (SSN). When possible, don't carry your Social Security card with you. You should never give your Social Security number to anyone unless they have a good reason for needing it. Don't put your SSN or driver’s license number on your checks.
  • Guard your personal information. Watch for people who may try to eavesdrop and overhear the information you give out orally, and carefully destroy papers you throw out, especially those with sensitive or identifying information. Use a locked mailbox to send and receive all mail.
  • Be suspicious of unexpected calls or emails. Never provide information unless you have initiated the call, and delete any suspicious email requests without replying. If you think you’ve received a fraudulent email, please forward it to us at phishing@fremontbank.com.
  • Reduce the number of pre-approved credit card offers you receive by calling: 888-5OPT OUT (they will ask for your SSN).
  • Logout from online banking in public computers after each use. If you are using a shared computer, logout from your profile after each use.
Report your debit card as lost or stolen by calling our 24 hour hotline at (800) 359-2265 and choosing option 1.
Contact us immediately if you think one of your Fremont Bank accounts or services have been compromised. Please have your account information and details about the suspected fraud available. Call us, email us, or visit a branch.

By Phone
Deposit Accounts: 800-359-BANK (2265)
Loans: 877-693-6898

By Email
Deposit Accounts: bankinfo@fremontbank.com
Loans: loanservicing@fremontbank.com
Please do not include sensitive information.

Phishing
If you think you’ve received a fraudulent email, please forward it to us at phishing@fremontbank.com

A lost or stolen card is just one area of concern in today's world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when it’s not in use safeguards against fraud. When your card is "off," no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas, add another layer of protection. And real-time alerts keep you informed when your card is used or declined.

To turn your card on or off, you will need to download and install the CardGuard Mobile Card Management app on your mobile device. Or, in mobile banking, click CardGuard and then Card Controls. Download the mobile app (Apple App Store or Google Play) today.

Fremont Bank offers many different levels of built-in security and safety features on our debit cards:

Chip Technology
Fremont Bank debit cards are secured with a built-in microchip. When used at a chip-enabled terminal, the transaction requires the chip to produce a single-use code to validate the transaction. This added security makes it extremely difficult for the card to be copied or counterfeited. 

CardGuard® - Mobile Card Management
Get the mobile app that lets you control debit card usage and spending on the go. A lost or stolen card is just one area of concern in today's world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you're not using it helps safeguard against fraud. When your card is "off," no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas, add another layer of protection. And real-time alerts keep you informed when your card is used or declined. Download the mobile app today

MasterCard® SecureCode™
Guard your card for online shopping with MasterCard SecureCode™. When you enroll, you have additional protection against unauthorized online purchases at participating merchants using your Fremont Bank Debit MasterCard®. You begin by enrolling your card and selecting your own private code for your Debit MasterCard®. When you shop online and check out at participating merchants, you are automatically prompted to enter your MasterCard SecureCode™ - just like entering a PIN at the ATM. If your correct SecureCode™ isn't provided to Fremont Bank, the purchase doesn't go through. Enroll today

Real-time Fraud Monitoring
Card activity is monitored 24 hours a day, 7 days a week. We use fraud monitoring tools to review how and where your debit card is being used. These tools help to detect unusual transaction activity that may indicate fraudulent use and block potentially fraudulent transactions. If we detect unusual activity, we will contact you. If we cannot reach you, your card may be blocked and unusable until confirmation can be obtained. To minimize card disruptions, please notify us when travelling or when you get a new phone number or email address.

Liability
Contact us at 800-359-BANK(2265) if you find any unauthorized card transactions. You may not be liable for fraudulent transactions.

Provisional Credit for Fraud Losses
We’ll provide provisional credit for unauthorized card transactions within ten business days of notification of the loss.
 

Keep an eye on your Account
Stay connected with Digital Banking. Monitor your accounts from the palm of your hand to ensure your transactions reflect charges that you authorized. You could also sign up for Account Alerts for a status of your transactions or to be notified when your account balance drops below a certain dollar amount.

Please contact us at (866) 222-6304 to receive a temporary password and reset your account.
To receive a wire transfer from another financial institution to your checking or savings account at Fremont Bank, the sender will need the following information:

For wire transfers from a financial institution within the US:
  • Beneficiary Bank: Fremont BankBeneficiary ABA: 121107882
  • Beneficiary ABA: 121107882
  • Beneficiary Name: Fremont Bank Client’s Name
  • Beneficiary Number: Fremont Bank Client’s Account Number
  • Beneficiary Number: Fremont Bank Client’s Account Number
  • For Further Credit/Reference Information: Any reference information, if applicable (e.g. invoice number)
For wire transfers from a financial institution outside the US:
  • Intermediary Bank: WELLS FARGO BANK
  • Intermediary Bank Location: San Francisco
  • Intermediary Bank SWIFT: WFBIUS6S
  • Beneficiary Bank: Fremont Bank
  • Beneficiary ABA: 121107882
  • Beneficiary Name: Fremont Bank Client’s Name

Please note that each wire transfer may incur a fee.

We must receive your completed payment order, enter it into our system, and approve it by 2:00 PM Pacific Time on an open business day for the wire to be sent on the same day. Please allow enough time for us to process your payment order.

Payment orders received and approved on Saturday will be sent on the next business day.

Yes! You can send and receive money between your Fremont Bank deposit accounts and your deposit accounts at other financial institutions by sending an External Transfer.

Get Started:

  1. Log in to Personal Online Banking
  2. Select the Transfers tab, then select External Transfers
  3. Click the Add a New Account link and follow the steps to add your non-Fremont Bank account
  4. Once your account has been validated, you will be ready to send and receive funds

Yes. There is a daily and monthly limit. You can view your limits by logging into Personal Online Banking. Access External Transfers and click View Limits next to the amount box.

How quickly can I send funds between my Fremont Bank account(s) and my linked external account(s)?
Standard delivery is 3 business days. Express delivery is next-day as long as it’s before the cut-off time, see below.

Is there a service charge for transferring funds between my Fremont Bank account(s) and my linked external account(s)?
For standard delivery there is no charge. For express delivery there is a service charge.

What are the requirements for transferring funds between my Fremont Bank account(s) and my linked external account(s)?
You must have a Fremont Bank deposit account and be enrolled in Personal Online Banking. You will need to set up and authorize your external accounts to complete transactions.

What is the cut-off time for transferring funds between my Fremont Bank account(s) and my linked external account(s)?
The cut-off time for a standard Bank to Bank External Transfer is 10:00pm on business days, Monday through Friday. After this time, all transfers will be processed and cannot be cancelled. The cut-off time for an express External Transfer is 5:00pm.

Fremont Bank is committed to providing you with a safe and secure system. While using Personal Online Banking, all communications are encrypted using SSL. In order to provide this protected environment, we require that you use a browser with 128-bit encryption. Encryption is the scrambling of information transmitted between two points. It cannot be decoded until it has reached its destination, thereby protecting your privacy. Your messages to us are not decrypted until they are inside our firewall. Please read our Fraud Prevention and Security section for further information.

To help safeguard your personal and financial data we will automatically "End" your session whenever a security risk may be present. Actions that can be deemed a security risk include: clicking a link twice, and pressing the browser’s Back, Forward or Refresh button. Each of these actions may cause your session to terminate. To re-establish your session, simply return to the login page.
 

Follow these tips to further increase the security of your account(s):
  • Choose a unique password and keep it secret. Do not tell your password to anyone, or write it down somewhere easy to access by others. Fremont Bank will never ask for your password either by email or by phone.
  • Do not leave your computer unattended while logged in if you are in an environment where someone can gain access. Sign off when you are finished with the session.
  • If you receive a suspicious email or call, or believe your password may have been compromised, please reset your password, and learn more about next steps.
If you have the card in your possession, please use the telephone number on the back of the your card to call us.
If you do not have the card, please call us at (800)359-2265 and choose option 1.

Here is a list of best practices to protect your data now before anything happens to your device:

  • Lock your phone by enabling a password or PIN lock code, and set the screen timeout to five minutes or less.
  • Enable the Find My Phone feature, so you can track down your phone if you lose it.
  • Avoid using auto-complete features that remember names or passwords. Protect your passwords and never reveal them to anyone.
  • Manage your apps safely. Download apps only from trustworthy sources, like iTunes® or Google Play™, and don’t install a new app until it has established a good reputation. Keep applications updated, and remove applications you no longer use.
  • Don’t “root” or “jailbreak” your device or install third-party firmware.

My device was stolen or lost—now what?
If your device was stolen, or is irretrievably lost, follow the following steps:

  • Notify your cell phone provider to suspend or deactivate your service until your device is located or replaced. If you have the feature enabled, remotely wipe the data from your phone.
  • Call Fremont Bank at 800-359-BANK (2265) to unregister that phone for Mobile Banking acces.
  • Change your online banking password (and any other passwords for accounts or apps containing sensitive information.)

At Fremont Bank, we collect most of our information directly from you. How much we collect depends on you. If you are a visitor at one of our branches, no information is collected about you. If you are, or become, a customer of Fremont Bank, we may collect the following information:

  • Your name, address, social security number, assets and income as listed on forms you fill out with our bank Transaction information such as your account balance, payment history, parties to transactions, and credit usage
  • Credit information from consumer reporting agencies or other third parties when necessary to an application

We may use this information to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help improve or design our products and services.

We do not sell or share personally identifiable information about you with others, except:

  • To help assure the accuracy and security of the information. For example, we may provide information to consumer reporting agencies 
  • In connection with the acquisition or sale of loans.
  • In connection with inquiries made by merchants or others about a transaction you made with them.
  • To help us identify products and services we offer that may appeal to you.
  • As part of any legal or regulatory requirements imposed on us.

Only authorized and fully vetted Fremont Bank employees and vendors who have a legitimate business need to know the information are authorized to access personally identifiable information. We share the minimum amount of information necessary to fulfill our contractual and legal obligations, and we require our vendors and employees to comply with strict standards of security and confidentiality.

We do not share information with others under programs where the other person will use the information to market their products or services to you.

Learn more by reading our full privacy policy.
 

Fremont Bank is committed to ensuring the privacy of our customers’ personal information. Customers who are concerned about financial privacy and want to tell us not to call or send direct mail for additional products or services, or want to know more about this important issue may contact their Fremont Bank representative, or write us at:

2580 Shea Center Dr.
Livermore CA 94551
Attn: Compliance Director

You can also call us at (800) 359-BANK (2265) or click here to manage your communication preferences.

You can apply online or call us at (877) 528-1481
Your application will be assigned to a loan officer that will review your application and call you back as soon as possible.
Closing times vary depending on the details of the loan and other factors. To learn more, contact us.

Escrow is a contractual arrangement in which a third party receives and disburses money or property on your behalf once a particular condition has been met, like the fulfillment of a purchase agreement, for example.

An escrow account makes managing your property taxes and insurance simple. You can pay one monthly amount that covers your mortgage payment, which goes to paying off the principal and interest of your home loan, as well as your property taxes and homeowners insurance, which go into an escrow account. When the insurance bills and taxes are due, whoever holds the escrow account (usually your lender) will pay them for you out of the funds in the escrow account.

Depending on your property type we can lend up to 85% of your home’s value.

At the end of the process we give you a check book just like a checking account. You can simply write yourself or others a check.

You can pay your mortgage down at any time by either simply paying more each month towards the principal, and/or contacting our loan servicing department to make a principal reduction payment.

UChoose Rewards® is a rewards program where you earn points connected to your Fremont Bank personal debit card.

What is a qualifying purchase?
A qualifying purchase is any signature-based purchase, online purchase, phone or mail-order purchase, bill payment, contactless purchase, or small dollar purchase for which you are not required to sign, made with an enrolled debit card. A qualifying purchase does not include a purchase made using a Personal Identification Number (PIN) or purchase you initiate through identification technology that substitutes for a PIN.

Generally, you can choose to do most transactions as signature-based. To do this, you must answer “CREDIT” when asked by a store representative, select “CREDIT” after swiping the card, or select “CANCEL” when you are prompted for a PIN. The merchant will ask you to sign the printed receipt or signature pad rather than entering your PIN into the terminal.

What can I redeem my points for?
It’s your choice! You can choose from millions of options, whether it’s products, travel experiences, activities, event tickets, merchant gift cards, cash, or more! UChoose Rewards® tracks the points you earn and will help you find just what you’re looking for when you’re ready to redeem.

Do my points ever expire?
Any unused points will expire three years from the end of the month in which they were credited.

How do I get started?
To register your accounts, visit www.uchooserewards.com, click on the Register link, and then create your own User ID and password to access the system.

Business Online Banking is an Internet based service which gives you access to all your linked Fremont Bank business accounts in a secure environment, at your home or office, 24 hours a day, 7 days a week. You can view account balances, withdrawals, deposits, and loan information. In addition, you may also apply for our Cash Management Services.

Treasury Management Services allows you to process Payroll, Electronic Payments & Receipts, Wire Transfers, Tax Payments, and Electronic File Transfers. Limits for these individual services will be established based upon business needs and bank approval.

There is no monthly access fee for Business Online Banking standard service. Free Standard Access covers all your accounts associated with that business, including multiple checking and savings accounts. Additional monthly fees may apply for our Cash Management Services, and other non-standard services such as stop payment requests, and wire transfers.

You must have an active business checking account with Fremont Bank. A business savings, business money market, and/or business loan account may also be added to this service.

Please click here to see a list of additional System Requirements. Business Online Banking can only be viewed with a screen resolution of 800 x 600 or higher.

We are committed to providing you with a safe and secure system. We use encryption, the scrambling of information so a third party cannot read it. We encrypt all data transmissions back and forth between your computer and our data center. Your messages to us are not decrypted until they are inside our firewall.

Our security system works only if you do your part to protect your accounts. You must maintain the secrecy of your password. Do not reveal your password to anyone. Do not leave your computer unattended during a session if you are in an environment where someone can gain access. Sign off when you are finished with the session.

From the accounts where you are an authorized owner/signer, you can choose which accounts you wish to view. After the initial setup, if you wish to add more authorized accounts to your list, send your request via email to business.services@fremontbank.com or call us at (866) 222-7215. Please do not include your account number in emails.

You can access your account information from a computer, tablet or phone with Internet access from within the United States. If you need access to your accounts from outside the United States, please contact us by phone at (866) 222-7215, or by email at business.services@fremontbank.com.
That's not a problem. Go to the account login window on fremontbank.com and select Business Banking. You’ll see a “Forgot Password” link. Click that and follow the prompts to reset it. 
To find out your your limits for purchased and cash withdrawals using your ATM card, please contact us.
Please contact us at (800) 359-BANK(2265) to add or update your email address, phone number or mailing address.

Please log into your account, go to Account Services and Set up Alerts. Click on “+New Alert” to set up or add new alerts. Click “Edit” to edit or delete the alert.

Please log in to your account. Click “Statements”, “View Statements” and complete the PDF verification (you will only need to do this one time).



Then click on “Delivery Preferences” and the pencil icon for the account you wish to change from paper statements to e-statements. Accept the terms and save.

Yes. Up to three years of statements are available, regardless of e-statement enrollment.

Fremont Bank mails our Clients’ tax statements before January 31. Please contact us if you don’t receive your statements in the first few days of February.

Money can be sent internationally by wire transfer from any branch.

We must receive your completed payment order, enter it into our system, and approve it by 2:00 PM PST on an open business day for the wire to be sent on the same day. Please allow enough time for us to process your payment order.

Payment orders received and approved on Saturday will be sent on the next business day.

At Fremont Bank, we care about the privacy of your personal data and only support web browsers that meet our industry encryption standards.

The following browsers are supported:

  • Mozilla Firefox® version 77 and higher
  • Google Chrome® 72 and higher
  • Apple Safari® 10.14 and higher
  • Microsoft Edge® all versions

You can go to whatsmybrowser.org to get details about your current browser.

Attention Business Online Banking Users: you may need to review your company's security policies, which may require you to contact your Information Technology/LAN/3rd party or browser vendor for assistance.

Adobe Acrobat Reader® version 6.0 is required to view documents (version 10.0 or higher is recommended for best performance). If a document is unable to be viewed due to an incorrect version of Adobe Acrobat, a newer version of Adobe Acrobat Reader can be acquired at www.adobe.com/Acrobat.

Adobe Acrobat® is a registered trademark of Adobe Systems Incorporated.

Ordering checks online from Harland Clarke, our preferred provider, is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

To order checks you will need:

  • Routing Number: 121107882
  • Your Account Number
  • Your Zip Code

Order Checks Online Now 

Through Harland Clarke, we offer a variety of personal and business checks and accessories to meet your everyday needs. Shop hundreds of personal check styles including character checks, inspirational checks, ASPCA checks, high security personal checks and more.

If you’re shopping for business checks, view our selection of manual business checks or high security business checks that allow you to easily customize and print. Order our most popular General Purpose Business Check compatible with a 7 Ring Check Binder.

Resetting your password for Online Banking is easy. Click this link  and then click “Forgot your password?” below the login button. You will be guided through a process to reset it.

Mobile and online banking gives you full access to your Fremont Bank personal accounts. With mobile and online banking you have access to your accounts through a secure environment, 24 hours a day, 7 days a week. You can check account balances, view transaction history, transfer funds from one Fremont Bank account to another, view and pay loan balances, pay monthly bills, and more.

There is no charge for Personal Mobile and Onlinke Banking with Fremont Bank. 

  • An active checking, savings, CD, mortgage or loan account with Fremont Bank.
  • Internet access and a computer or an app enabled mobile device.
  • Upon setting up your access for the first time, you will be prompted to select a username and password to whatever you choose. After that, you can change them at any time.
  • Your Username and Password must be 8-17 characters in length, and must include at least one upper case, one lower case, one numeric and one special character.
  • Passwords are case sensitive.

No problem, use the Forgot Password link or contact us at (800) 359-BANK (2265), to issue a temporary password.

Yes. Bill Pay Service allows you to "pay anyone" within the United States. Our bill pay service is free of monthly service charges or per usage fees. The system allows you to set up single or recurring payments. You may not use Bill Pay to pay taxes.

Within Bill Pay, choose "Add A Bill" tab at the top of the page. To add a Biller you will need your bill to find your payee in our list of merchants. If the payee on the list does not match your biller, you can enter the required information manually.

You will need the name of the person or business you are paying, the payees address, and (if you have one) your account number with the payee. The first time you request a payment to be made to a payee, you must also specify the payee's address and the number of the account from which the payment is to be made.

The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.

Funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to Fremont Bank for payment
All information is current and real-time within Personal Online Banking. For example, if you use one of our ATMs to withdraw money, your transaction will show in Personal Online Banking immediately.

Only your personal accounts in which you are one of the owners will appear. If you have an account that you are an owner that is not listed, you may request that it be added by calling us at (510) 723-5780 or toll free at (800) 359-BANK (2265).

Yes, you can have your monthly deposit account statement delivered electronically through e-Statements within our online banking application. More Information. For Loan e-Statements please visit the Loan Servicing Center for eligibility.

You can access your account information from any device with internet access anywhere within the United States.

If the stop request is placed after 8pm Pacific Time we will receive your request at the opening of the next business day.

A stop payment on a check is valid for only 180 days from the date of request; if the check is presented after the date it may be paid unless you renew the stop payment order.

The stop payment request applies only to the check, which conforms exactly to the description in the stop request. The bank will not be responsible for failing to stop payment if the information entered by the customer is incorrect.

This request will not be effective if the Bank has already cashed the check or is already committed to honor or pay the item under applicable laws, regulations or rules governing checks.

There are two ways to make a loan payment online from your Fremont Bank account or another financial institution. Once you are logged into Personal Online Banking click on your loan number to get to the Loan Servicing Center. From the menu select either Make a Payment to set up an automatic recurring payment or One Time Payment to make your current monthly payment or a principal only payment. This payment option may not be available on all loan types.

Your bank account must contain the full amount of your payment, in available funds, on the date of your payment. If there are insufficient funds in your account on the payment date, you may be charged an insufficient funds fee to your deposit account and you will also be charged a "Return Check Charge" to your loan.

With an Automatic Loan Payment you authorize Fremont Bank to debit your checking or savings account each month on a set day for your monthly payment. These payments will continue until you or the bank specifically requests the automatic payments to stop. With a One Time Payment you authorize Fremont Bank to make a one-time debit to your checking or savings for a specific amount and payment type. For example to make an additional payment towards the principal balance or an annual fee.

To schedule an Automatic Loan Payment or make a One Time Payment you will need your depository financial institution's routing/transit number and your bank account number. Simply follow the on screen instructions to complete your transaction.

Log into Mobile or Online Banking and click on your Home Equity Line of Credit account. Click on the Advance Funds button, enter the amount you'd like to advance and then select the Fremont Bank account the funds are to be deposited to.

An APR and APY are both used to calculate interest. The Annual Percentage Yield, or APY, is what you earn on a deposit account, like a savings account, over one year, and the Annual Percentage Rate, or APR, is the cost of borrowing money over one year.

An APR reflects the annual rate charged, expressed as a single percentage that represents the actual yearly cost over the term of the loan. The APR is based on the interest rate and, for some loans, it also incorporates any relevant fees, such as loan origination fees, closing costs, or other processing fees. If there are no fees, the APR equals the interest rate. The APR is calculated using the simple interest rate that a borrower will be charged over a year. That is, multiplying the principal you owe times the interest rate, times the term of the loan (the number of years the loan will be outstanding). The APR does not take into account the frequency of compounding interest.

APY means a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period. An APY is usually larger than the interest rate because APYs may reflect compounded interest. This means interest is calculated based on the full amount of principal and on any interest that was not paid during the previous compounding period, generating ‘interest on interest.’ The more often the interest is compounded, the greater the return will be.

Both the APR and the APY are important to understand for managing finances. The more frequently the interest compounds, the greater the difference between APR and APY. Whether you are shopping for a loan, a credit card, or the highest rate of return on a deposit account, be mindful of the different rates quoted and make sure that you compare the same type of interest rate (APY or APR).

Your 1098/1099 tax will be mailed no later than January 31. Note that 1099-INT forms are only issued if the interest earned is at least $10 combined on all accounts registered in your name.

Yes. Your 1098 Mortgage Interest Statement and the associated Escrow 1099-INT tax documents will be available via online banking and the mobile app no later than January 31. Your 1099-INT deposit tax document will be available online in late February 2021.

The law reopens the PPP program (through March 31, 2021) to allow First Draw (first-time) loans to businesses that did not receive them in 2020. These loans are provided under the same general terms and with the same limits as the initial PPP loans, with some key enhancements made by the Economic Aid Act. For additional information about PPP First Draw Loans Click Here.

PPP now allows certain eligible borrowers that previously received a PPP loan to apply for Second Draw PPP Loan. Second Draw PPP Loans made to eligible borrowers qualify for full loan forgiveness if during the 8- to 24-week covered period following loan disbursement:

  • Employee and compensation levels are maintained in the same manner as required for the First Draw PPP loan
  • The loan proceeds are spent on payroll costs and other eligible expenses; and
  • At least 60 percent of the proceeds are spent on payroll costs.

For additional information about PPP Second Draw Loans Click Here.

While the SBA has not yet opened their application portal for Community Banks, we will soon begin inviting clients to start their application, so that we can begin submitting to the SBA once we are able.

First Draw PPP Loans: If you are a current Fremont Bank client who is interested in applying, please email us at SBAPPPAPP@fremontbank.com and include your name, business name, and contact information. We will contact you when we are able to process your application, and invite you to apply through our PPP portal.

If you received a PPP loan from Fremont Bank in round one you are in our queue. You will receive an email invitation to access our application portal; this self-service platform has been upgraded, and it will intuitively guide you through the application process.

We expect these invitations to be sent between January 14-January 22.

We are doing our best to prioritize applications based on a number of factors, including the operational impact of COVID-19 on your business and your relationship with Fremont Bank. While there is no perfect way to prioritize requests, we are working to process applications in an equitable fashion.

Before logging in you will be asked to complete an authentication process, which requires that you provide the following information:

  • Business name, and tax identification number (TIN), for the entity that received the first PPP loan
  • Email address for a primary contact on the loan​
  • Fremont Bank deposit account number - The entity name and TIN of the business deposit account must match the name of the entity applying for the PPP loan (If you are applying for multiple PPP loans for different businesses you will need to have multiple business deposit accounts).  If you do not have an active business deposit account with Fremont Bank that meets these requirements, please contact your nearest branch, or email SBAPPPAPP@fremontbank.com; these accounts must be established before you will be invited to apply for a Second Draw PPP. If your loan is approved, the funds will be deposited into the identified business deposit account.

If you are applying for a First Draw PPP Loan, Click Here to view the required documentation.

If you are applying for a Second Draw PPP Loan, the following information is required to complete your application:

  • Payroll records – You have the option of using 2019 or 2020 payroll records. You may choose to use 2020 payroll if it is higher than 2019, and therefore may support a larger loan amount; for most borrowers the maximum loan amount of a second draw PPP loan is 2.5x your average monthly payroll (up to $2 million). Please note, if you use 2019 payroll, you will not need to resubmit the payroll documentation you provided for your First Draw PPP loan.
  • Quarterly gross receipt records for 2019 and 2020 – One of the conditions of eligibility for a Second Draw PPP loan is demonstrating at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020 (at least one quarter should meet the 25% threshold when comparing to the same quarter in 2019). You will be required to provide either Quarterly Income Statements, or Bank Statements, or Annual Tax Returns to document the quarterly decrease in gross receipts. Please begin gathering this information now, as you will be asked to provide it at time of application. For additional information on how to help calculate revenue reduction and maximum loan amounts including what specific documentation to provide regarding Second Draw Paycheck Protection (PPP) loans, please Click Here.

If you are not currently a Fremont Bank client, we will update this page if and when we are able to process your application. We are working quickly to meet the needs of our existing clients, and we will open our application to new clients as soon as possible; in the interim you may want to begin the process with your current bank.

You may login to the PPP Portal to check the status of your application. Once your application has been submitted to the SBA for approval, it will take about 3 business days for their approval, after which you will immediately receive a message from the PPP Portal that your loan documents are ready to sign. Once you sign your documents through DocuSign, your account will receive the funds within 1-2 business days. Once your loan has been processed for funding, you will immediately receive a message from the PPP Portal. You should expect to see a funds memo-posted to your account later that same business day. Please allow time for the funds to hit your account before following up.

The vast majority of consumers don’t need to take any action. According to the government, the Internal Revenue Services (IRS) will calculate and automatically send 130 million economic impact payments via direct deposit, to be available to eligible recipients. The IRS already has direct deposit information for millions of Americans from the first round of EIPs in April. For the most up-to-date information, consumers should visit https://www.irs.gov/coronavirus/economic-impact-payment-information-center.

Americans who have the funds deposited directly into their account will have access to the funds much faster. Waiting for a paper check to be printed and mailed will take longer—weeks and possibly months.

During the first round of EIPs, the IRS’s “Get My Payment” portal allowed consumers to check the status of their payment. We expect the IRS to launch a similar initiative for this round, but it has not yet been confirmed.

Consumers should be wary of fraudsters who are already attempting to scam people out of their payment, and keep in mind that the government will not contact you by phone, text or email about this payment.

Our mobile and online banking update requires you update your Quicken Quickbooks connection. This process is easy and straightforward; instructions are available here.
 
After you complete the update, please review your downloaded transactions carefully to confirm no transactions were duplicated or missed.
 
If you have any questions at all, please contact us at (866) 222-6304.
Direct Connect enables you to securely download your account information directly into your Quickbooks® or Quicken accounting software. To get started, consult these resources. If you need help, please contact the Quicken or Quickbooks® support team.