1.  What do I need to open an account with Mifflinburg Bank & Trust Company? 2.  Is my online application secure? 3.  What information do I need to open a joint account? 4.  Why is personal information required to open an account online? 5.  Is a minimum deposit required to open an account online? 6.  If I am mailing a check for my opening deposit, what address should I mail it to? 7.  Where should I mail my completed signature card? 8.  What information do I need to provide if I am transferring the initial deposit from my savings account at another       financial institution? 9.  What happens after I send my opening deposit and completed signature card? 10.  When is the opening deposit processed? 11.  When will I receive my first order of checks? 12.  How can I make deposits to my Checking or Savings Account in the future? 13.  Can I make additional deposits to my Certificate of Deposit? 14.  How can I make additional deposits to my 12 Month Variable Rate Certificate of Deposit? 15.  What if I lost or forgot to print my Signature Card? 16.  What should I do if I selected Direct Deposit as an Account Option? 17.  Can I change the information on my account application? 18.  How do I access my account statement? 19.  May I receive paper statement instead of E-Statement? 20.  How can I rewrite or change the terms of my Certificate of Deposit? 21.  What are my options when my Certificate of Deposit reaches maturity? 22.  What do I need to do to close my Certificate of Deposit at maturity? 23.  Why do some of the products have a rate of N/A?

1.	Question:	What do I need to open an account with Mifflinburg Bank & Trust Company?
	Answer:	There are several things you will need to refer to and provide during the account opening process:  You will be asked for your U.S. Social Security Number and valid form of identification: Driver’s license, State ID, Military ID or Passport You will also need to provide personal information, including your date of birth, and address If you are not a U.S. Citizen or U.S. Resident Alien or a Pennsylvania Resident and do not have this information, we will be unable to enroll you online.  Please visit one of our Offices for assistance.
2.	Question:	Is my online application secure?
	Answer:	Mifflinburg Bank & Trust Company uses encryption for online security.  Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the date.  Without a corresponding “decoder,” the transmission would look like nonsense text and would be unusable. Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages, and sensitive documents. Encryption is utilized with the transmission of data from one party to another.  The sender encodes the data by scrambling it and then sends it on.  The receiver must decode the data with the correct “decoder” in order to read and use it.  The effectiveness (or level of security) for encryption is measured in terms of how long the key is, the longer the key the longer it would take for someone without the correct “decoder” to break the code.  The length of the key is measured in bits (e.g. 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).
3.	Question:	What information do I need to open a joint account?
	Answer:	You will need the same information that is required when opening an individual account, but you will need it for both applicants.  For more information, refer to the Q: What do I need to open an account with Mifflinburg Bank & Trust Company?
4.	Question:	Why is personal information required to open an account online?
	Answer:	To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
5.	Question:	Is a minimum deposit required to open an account online?
	Answer:	Please refer to the product description located at http://www.mbtc.com/
6.	Question:	If I am mailing a check for my opening deposit, what address should I mail it to?
	Answer:	Electronic Banking Department Mifflinburg Bank & Trust Company P.O. Box 186 Mifflinburg, PA 17844
7.	Question:	Where should I mail my completed signature card?
	Answer:	Electronic Banking Department Mifflinburg Bank & Trust Company P.O. Box 186 Mifflinburg, PA 17844
8.	Question:	What information do I need to provide if I am transferring the initial deposit from my savings account at another financial institution?
	Answer:	Please provide the bank routing number and your savings account number.  You may want to contact your other financial institution to verify that you have provided the correct routing number and savings account number.
9.	Question:	What happens after I send my opening deposit and completed signature card?
	Answer:	Mifflinburg Bank & Trust Company will mail you a Welcome Packet containing account information and additional services you have requested, such as, Debit Card Application, Certificate of Deposit, etc.
10.	Question:	When is the opening deposit processed?
	Answer:	ACH transfers from your existing account at another financial institution to your new account will occur after Mifflinburg Bank & Trust Company receives your signed Account Signature Card and you have completed the MicroDeposits verification.
11.	Question:	When will I receive my first order of checks?
	Answer:	You will receive your first order of checks with in seven to fourteen business days after Mifflinburg Bank & Trust Company receives your completed signature and initial deposit.
12.	Question:	How can I make deposits to my Checking or Savings Account in the future?
	Answer:	You can make deposits to your account in the following ways: Visit one of our Branch Offices Mail a check and deposit ticket to us:  Mifflinburg Bank & Trust Company                                                                      P.O. Box 186                                                                      Mifflinburg, PA 17844 Use Mifflinburg Bank & Trust Company’s Internet Banking to transfer to and from your Mifflinburg Bank & Trust Company Accounts Transfer funds using an ATM Utilize Mifflinburg Bank & Trust Company’s Telephone Banking system to transfer between your Mifflinburg Bank & Trust Company Accounts – call 570-966-7451 or 1-888-966-3131 Contact your Employer to set up a Payroll Direct Deposit to your Checking or Savings Account Wire fund from another Financial Institution
13.	Question:	Can I make additional deposits to my Certificate of Deposit?
	Answer:	The 12 Month Variable Rate Certificate of Deposit is the only Certificate of Deposit type that will allow you to make addition a deposit.
14.	Question:	How can I make additional deposits to my 12 Month Variable Rate Certificate of Deposit?
	Answer:	Visit one of our Branch Offices Mail a check and deposit instructions to us:  Mifflinburg Bank & Trust Company                                                                                  PO Box 186                                                                                  Mifflinburg, PA 17844 Wire funds from another Financial Institution
15.	Question:	What if I lost or forgot to print my Signature Card?
	Answer:	Please contact a Customer Service Representative at 1-888-966-6282.
16.	Question:	What should I do if I selected Direct Deposit as an Account Option?
	Answer:	You will need to provide your employer with the Mifflinburg Bank & Trust Company bank routing number 031309686 and your checking or savings account number.
17.	Question:	Can I change the information on my account application?
	Answer:	You have the option to edit your account information prior to submitting the information to Mifflinburg Bank & Trust Company.  Simply click on the “Edit” button above the grouping of information you would like to change, and you will be permitted to change your input.
18.	Question:	How do I access my account statement?
	Answer:	You can view and print your account statement by logging into your Internet Banking Account, click the Statements button, select the account number and month you would like to view, and then click the Look up this Statement button.
19.	Question:	May I receive paper statement instead of E-Statement?
	Answer:	No, the terms of your online account type require you to receive E-Statements.
20.	Question:	How can I rewrite or change the terms of my Certificate of Deposit?
	Answer:	Please contact a Mifflinburg Bank & Trust Company Customer Service Representative at 570-966-1041 or 888-966-6282 to discuss your options.
21.	Question:	What are my options when my Certificate of Deposit reaches maturity?
	Answer:	You may choose to allow your Certificate of Deposit to renew or you may choose to close your account.
22.	Question:	What do I need to do to close my Certificate of Deposit at maturity?
	Answer:	If you choose to close your Certificate of Deposit when it reaches maturity, please sign the original Certificate of Deposit in the upper right hand corner and mail it to:                                                                               Attn: Customer Service                                                                               Mifflinburg Bank & Trust Company                                                                               PO Box 186                                                                               Mifflinburg, PA 17844 After we receive your signed original Certificate of Deposit, we will mail a Cashiers Check to you at your address that is on file at the Bank.
23.	Question:	Why do some of the products have a rate of N/A?
	Answer:	Products that have a rate of N/A are not available on line. Please contact your local branch office for assistance.