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Online Account Application FAQs

Online Account Application

  • What is a joint account?

    A joint account is held by more than one person with each individual having the right to deposit and withdraw funds. The joint applicants are required to provide personal information including their Social Security numbers, driver's license numbers, state of issuance, issue and expiration date.

  • Why is email address needed?

    We ask for your email address to communicate with you regarding your application. Please note that Vio Bank will never ask for your personal information such as your Social Security number or account numbers via email.

  • Why do I need to provide my occupation?

    By providing your occupation, you are helping Vio Bank understand who we serve by describing your organizational responsibilities or listing your job title.

  • What is electronic transfer?

    Electronic transfer is a method used to fund your new Vio Bank account via an existing non-Vio Bank account. This is accomplished by providing a routing number and account number from an existing checking, savings, or money market savings account.

  • What is backup withholding?

    Backup withholding is a tax levied on investment income. Backup withholding may be applied when an investor has not met rules regarding taxpayer identification numbers (TIN).

  • Where do I find my routing and account number?

    Your routing number and account number can be found on the bottom of your check. The routing number is the 9-digit number on the bottom left and your account number will be the number to the right of the routing number.

  • Need help locating your verification code?

    The requested verification code was supplied to you in an email from Vio Bank with the subject "Your New Vio Bank Account." Please note that the verification code is case sensitive and should be entered in all caps. If you no longer have this information, please contact us at 888.999.9170 for assistance.

  • How can I find my last statement balance?

    Your last statement balance is the Ending Balance on your most recent statement.

  • What is an internal transfer?

    An internal transfer gives you the opportunity to open a new Vio Bank account using funds from an existing Vio Bank transactional account.

  • What if my information is incorrect?

    Please call 888.999.9170 option 0, (Mon - Fri 7 a.m. - 9 p.m., Sat 8 a.m. - 6 p.m., Sun 12 p.m. - 4 p.m. Central time) to update any incorrect information.

  • What is an external account authorization?

    External account authorization is your approval for Vio Bank to debit your existing external bank account to fund your new Vio Bank account.

  • How is my personal information used?

    Your information is securely stored on your account and customer records once your new account is opened. 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. What this means for you: When you open an account, we will ask your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

  • How can I speed up my application?

    If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your current Vio Bank account.

  • Which owner type should I choose?

    If you will be the only owner on the account, select "Individual." If you want to add a co-owner to the account, select "Joint."

  • Why do I need to review and accept disclosures?

    Disclosures contain important terms and conditions that apply to your new account. Reviewing and accepting these disclosures ensures that you are well informed about your new account.

  • Why do I need to answer the confirm my identity questions?

    Answering additional security questions allows us to confirm your identity and ensure that no one else can open an account in your name. This additional layer of security helps protect you against identity fraud.

  • What is a U.S. Person?

    The IRS tax code defines a U.S. Person as a citizen or resident of the United States.

  • Why are you asking me about how I expect to use my new account?

    Bank regulations require that financial institutions collect an expectation of customer's transactional behavior in order to determine risk levels in terms of money laundering, terrorist finance and identity theft.

  • What is an ACH transfer?

    Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet, or when you pay a bill online, you are likely completing an ACH transfer. An ACH transfer is the most common form of electronic money movement.

  • What is a wire transfer?

    A wire transfer is a form of electronic money movement that moves the money in real time from the sending account to the receiving account at another bank. These types of transfers are less common and often require you to pay a fee and interact directly with a person at the bank either in person or over the phone.

  • How can I find my available balance?

    Your available balance is the balance displayed on your online and mobile banking account summary page.