Business Banking FAQs

Find answers to the most commonly asked questions by navigating to the correct topic below.


With business accounts, there are a lot of variables depending on your business. At minimum, to open a business account you will need:

  • Documentation stating the legal name of your organization
  • The social security number of the account executor
  • An EIN or TIN as appropriate
  • Valid photo identification including one of the following:
    • Driver’s License
    • State ID
    • Passport
    • Military ID
  • A physical address and mailing address
  • A current telephone number

    Additional requirements for your specific loan will be outlined by your local business banker. 

    Home Federal is required by law to obtain verification of your identity and any co-applicants prior to opening any accounts.

Your routing number may be found on the bottom of your business checks.

Home Federal’s Routing Number is 291270050

Please contact a Home Federal team member to dispute unauthorized transactions on your account. You will need the Unauthorized Company Name and the Transaction Date when calling. 

Typically, check deposits are made available to you on the first business day following the date that we receive your deposit. Cash and electronic deposits are made available on the same day we receive your deposit.

Home Federal Business Days are Monday through Friday, excluding Federal Holidays. Our earliest business day cutoff time is 4:30 PM. Deposits made after 4:30 PM will not be considered “received” until our next open business day. 

In the case of large checks, questionable account history, or questionable negotiable instruments, a portion of your funds may not be available to you on the first business day following the date we receive your deposit. If this is the case, we will notify you of the delay in your ability to receive funds. You will be provided with the expected fund release date. Typically, the funds are released no later than the seventh business day after the date we receive your deposit. 


Required documents vary based on the structure of your business and the loan size. 

Contact your local commerical lender to get a full list of the require documents needed for the loan you're looking for. 

Home Federal will never sell your information to third parties.

While we make all of our loan decisions locally and pride ourselves in our quick turnaround time, the approval process varies based on loan size, turnaround time on third-party documents (i.e. appraisals), and if the borrower is an existing client or first-time borrower. Your local commercial lender can give you an estimated time frame when discussing your loan. 

We offer a wide range of terms from as little as 30 days to as much as several years – all depending on the type of loan applied for, loan amount, etc. Your commercial lender will help you determine the commercial loan term that fits your business best. 

Automatic payments for your loan can be set up simply by filling out the necessary automatic payment setup forms either at loan closing, or by calling 1.888.489.5355 and speaking with a business banker.

Contact your local business banker or call 1.888.489.5355 to receive a balance or payoff amount for your loan.

Debit & ATM Cards

You may change your PIN at any Home Federal ATM or by calling 1.800.992.3808.

 A new business debit card will be sent to you 45 days prior to your current card expiring.

Report a lost or stolen card by calling 1.800.472.3272. Be sure to check out our Security & Fraud Prevention page for additional next steps.

Activate your new business debit card by using your card and PIN at any ATM, or by calling 1.800.992.3808 and following the prompts.

Spending limits can be set with your business banker when you set up the account. To raise or lower set spending limits, call us at 1.888.489.5355. 

Online Banking

Business Clients may enroll by contacting your business banker, or by calling Home Federal’s Treasury Management Department (formerly cash management) at 1.888.269.0170.

Learn more about online business banking.

If you've forgotten your password but remember your user ID, simply click on "Forgot Password" near the login area in the top right corner of this page and follow the prompts in the popup window to reset your password.

For other scenarios in which resetting your password is required, visit our password page

If you've forgotten your user ID, you will need to contact your local branch. They will provide your User ID via email to the address we have on file for your account. (You will need a login for our secure email service in order to retrieve this message. If you don't have a login, instructions on how to create one will be provided in the email from your business banker.)

Business Banking clients may enroll by contacting their business banker.

Do you have more questions? Contact your local business banking expert.

Find the answers to frequently asked questions in other areas of banking: