Frequently Asked Questions

How Do I Open An Account?

Opening an account is easy, just click on the "Apply" button from the Bank's home page to get started. Fill out the online application and once completed, download your signature card and send it to the address below.

If you prefer to apply offline, you can download the necessary paper application below:


For a paper application, click here.


Once you have finished, please send the full application and your initial deposit to:

Waterfield Bank
c/o Interval International Banking Center
P.O. Box 19503
Irvine, CA 92623-9928

When your account is approved, you will receive a welcome packet, in the mail and you will be able to log on to your account.

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How Do I Make Deposits?

The Bank has been designed to offer as many ways possible to make deposits into your account. You can:

  • Mail a Check in the postage-paid envelopes that are provided to every customer.
  • Set up direct deposit from your employer.
  • Send deposits via UPS for free from participating UPS / Mail Boxes Etc.
  • Transfer funds online.
  • Request a wire transfer.
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Mail Deposits

The Bank provides postage paid envelopes at no cost to our customers. An initial supply is mailed to you in your account welcome package. You may order additional envelopes at any time through the Customer Care Center.

Checks for deposit into your checking account should be mailed to:

Waterfield Bank
P.O. Box 19503
Irvine, CA 92623-9928

Use the following address to send your deposit via Federal Express, UPS or Airborne Express:

Waterfield Bank
18881 Von Karman Ave., 17th Floor
Irvine, CA 92612

Be sure to complete and attach a checking deposit slip. (Deposit slips are included in your welcome package and the back of your checkbook.) Note: You can reorder checks and deposit slips online by logging in and selecting the "Check and Deposit Slip Reorder Request" link from your account detail page.

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Direct Deposit

Direct deposits from your employer or other funds originator may be made to your Bank accounts. It is the easiest and quickest way to make and access your deposits. Please print out the Direct Deposit form and submit to your employer or other funds originator.

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Send Deposits via UPS

Through our partnership with UPS / Mail Boxes Etc., you can now send deposits from over 3000 participating UPS / Mail Boxes Etc. locations nationwide. Best of all, this service is FREE of charge to you!

Simply follow the easy steps below:

  1. Place your deposit in the special UPS / Mail Boxes Etc. envelope provided.
  2. Locate the nearest participating UPS / Mail Boxes Etc. by clicking the link below and drop off the envelope for delivery.
  3. Print out the UPS / Mail Boxes Etc. work order form and fill out before dropping off the deposit.
  4. You will be given a UPS tracking number to monitor your deposit's progress and verify its delivery at www.ups.com or 1-800-PICKUPS.
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Transfer Funds Online

You may transfer money between your accounts using the online funds transfer function. Enter the account you wish to transfer from and the account you wish to transfer to. Then enter the amount and click "Submit". Your funds will be transferred instantly. You can transfer funds in this manner 24 hours a day, 365 days per year.

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Wire Transfer

To send an incoming wire to your account, provide the following information and your account number (located in the bottom, middle portion of your check). If the wire is being sent to fund a new account, simply note "New Account" on the wire transfer. Please ask your bank to use the following wire instructions:

Bank Name/Address:

Waterfield Bank
Germantown, MD
ABA: 055073642

Credit:

Customer Name/Account Number

You can complete and print our online Wire Transfer form and take it with you to your financial institution. The form includes all of the information (detailed above) that you will need to initiate the wire. To access the Wire Transfer form click here.

If you have any questions regarding deposit information, call our Customer Care Center.

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Can I Pay My Bills Online?

You can sign up for this service during the application process or anytime after you become a customer of the Bank. Then it is as simple as listing the company's name or individuals you want paid, the amount you want to pay and the date they are to be paid. You can even schedule payments to be made automatically. You will never need to lick a stamp or write a check to pay a bill again!

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What Are The Interest Rates?

We pass our low overhead and low cost infrastructure on to you in the form of some of the highest interest rates in the country. Please see our rates web page for further details.

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What Security Measures Does The Bank Have?

Each customer is insured up to $250,000.00 by the Federal Deposit Insurance Corporation (FDIC). NCR Corporation provides web hosting, security and support services. NCR Corporation (NYSE: NCR) is a recognized world leader in providing Relationship Technology solutions for the financial, telecommunications, and insurance markets. They provide similar services to over 100 banks, giving us great confidence in the security of our customers' funds and transactions.

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How Do I Get Cash?

You can go to any of the over 300,000 MAC, CIRRUS, STAR, or HONOR ATM Terminal machines across the U.S. and abroad. You can use your ATM/Debit Card for purchases at many grocery stores, hotels and other merchants, and ask for cash back at no charge if you use your ATM/Debit card as a debit card and enter your PIN. You may also have a cashier's check sent to you by filling out the form online within the "Account Services" section of our secure banking site. A $10.00 fee is charged for each Cashier's Check requested.

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Can I Write Checks?

Yes. Should you qualify for a checking account or a money market account with check writing privileges, we will send you a starter book of checks for free. You can order your second set of checks from Deluxe Corp. online in the "Check and Deposit Slip Reorder Request" link from your account detail page.

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Can I Open An Account From Outside The United States?

Yes, if you have a US or US Territory residence and either a US Social Security Number or US Tax Identification Number you may enroll online by clicking on the "Apply Now" button on our Home page. If you reside outside of the US, please call our Customer Care Center to receive additional information regarding opening an account.

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Who Do I Contact If I Have An Urgent Request?

Please call our Customer Care Center for any questions or requests that you might have. Customers are able to access their accounts, conduct bill payments and account transfers, and retrieve check images or statements Monday thru Friday 7AM - 11PM ET and Saturday thru Sunday 8AM - 11PM ET.

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Can I Bank By Phone?

Yes. If you are not near a computer or cannot get on the Internet, you can get account information and hear which checks or debits have recently cleared by telephone 24 hours a day, 7 days a week. Just call our toll free number.

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Can I Speak With A Live Person?

Yes, you can speak with one of our friendly Customer Care Representatives, or you can send your questions to us via e-mail.

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Can I Use Quicken® Or Microsoft Money® With My Online Accounts?

Yes. You can export data to a personal financial management program such as Quicken® or Microsoft Money®. To Import Your Bank Transactions Into Quicken®, First Download Your Bank Transactions.

  • From the account summary page, select the nickname of the account that you want to download. Scroll down to the bottom of the screen and select the transaction history timeline that you want to download (either "List by Date Range", "Since Last Statement" or "Last Statement").
  • Choose "Quicken®" from the drop-down box under the "PC Download" section and click the "Download" button.
  • Verify the number of transactions to be downloaded and click the "Confirm" button. Select "Save the file on disk," which enables you to save the file on either your hard drive or a disk. Click the "Done" button to view the downloaded items on the "Account Detail" screen.

Now, Import Your Transactions To Quicken®

  • Back up your Quicken® data file.
  • Create a new account for Bank transactions.
  • Import the Bank data from your hard drive or disk
  • Choose "File Menu," "Import," then "QIF file."
  • Enter the name of the QIF file to import Bank data from.
  • Select the account you desire to import the Bank data to.
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To Import Your Bank Transactions Into Microsoft Money®, First Download Your Bank Transactions.

  • From the account summary page, select the nickname of the account that you want to download. Scroll down to the bottom of the screen and select the transaction history timeline that you want to download (either "List by Date Range", "Since Last Statement" or "Last Statement").
  • Choose Microsoft Money® from the drop-down box under the "PC Download" section and click the "Download" button.
  • Verify the number of transactions to be downloaded and click the "Confirm" button.
  • Select "Save the file on disk," which enables you to save the file on either your hard drive or a disk. Click the "Done" button to view the downloaded items on the "Account Detail" screen.

Now, Import Your Transactions To Microsoft Money®.

  • Back up your Microsoft Money® data file.
  • Create a new account for Bank transactions.
  • Choose "File Menu," "Import," read the text in the import file.
  • Enter the name of the QIF file from which to import Bank data, and then select "Import."
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How Do I Make Check Deposits?

The Bank provides postage paid envelopes at no cost to our customers. An initial supply is mailed to you in your account welcome package. You may order additional envelopes at any time through the Customer Care Center.

Checks for deposit into your checking account should be mailed to:

Interval International Banking Center
P.O. Box 19503
Irvine, CA 46206

Use the following address to send your deposit via Federal Express, UPS or Airborne Express:

Interval International Banking Center
18881 Von Karman Ave., 17th Floor
Irvine, CA 92612

Be sure to complete and attach a checking deposit slip. (Deposit slips are included in your welcome package and the back of your checkbook.) Note: You can reorder checks and deposit slips online by logging in and selecting the "Check and Deposit Slip Reorder Request" link from your account detail page.

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How Do I Set Up Direct Deposit From My Employer?

Direct deposits from your employer or other funds originator may be made to your Bank accounts. It is the easiest and quickest way to make and access your deposits. Please print out the Direct Deposit form and submit to your employer or other funds originator.

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How Do I Send A Wire Transfer?

To send an incoming wire to your account, provide the following information and your account number (located in the bottom, middle portion of your check). If the wire is being sent to fund a new account, simply note "New Account" on the wire transfer. Please ask your bank to use the following wire instructions:

Bank Name/Address:

Waterfield Bank
Germantown, MD
ABA: 055073642

Credit:

Customer Name/Account Number

You can complete and print our online Wire Transfer form and take it with you to your financial institution. The form includes all of the information (detailed above) that you will need to initiate the wire. To access the Wire Transfer form click here.

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