FREQUENTLY ASKED QUESTIONS

What is the phone number for CIT?
You can access CIT by three different numbers:

• (269) 381-1651
• 1-888-381-1651
• (269) 381-1938, option 3

Is Home Financial Services Online Banking (HFS) secure?
Home Financial Services provides secure communications using 128-bit encryption security. HFS requires the use of a browser which supports at least 128-bit encryption. The browser that you are running determines which level of security will be used for your connection. If you are currently using a 40-bit encryption browser you will need to upgrade to a more secure 128-bit encryption browser.  You can download the browser from either Netscape or Microsoft.

How much history is stored in HFS Online Banking?
Ninety days.

How many e-statements will I be able to view?
You will be able to view up to a year's worth of e-statements.  If you have been receiving e-statements for less than a year, you will only be able to view those statements.  If you do not have a checking account, you will get your e-statements quarterly.   

My HFS password won't work?
Your HFS password is 7-15 characters, with at least one alpha and one numeric character.  It is case sensitive.  To protect your account, access will be blocked after 3 failed password attempts. Contact Member Services at (269) 381-1938, option 2 for assistance.

CIT 24-HOUR ACCOUNT PHONE ACCESS SYSTEM

Accessing CIT

• Dial CIT at (269) 381-1651 (in the Kalamazoo area) or (888) 381-1651 (outside Kalamazoo area)
• Enter your account number followed by the # key
• Enter your PIN number followed by the # key
• Enter the function code (listed below) followed by the # key

Helpful Hints

• The # Key
  Remember to conclude each entry with the # key to prompt CIT to proceed
• The * Key
  Use the * key to pause speech during all inquires and prompts.  This feature allows you to write information down
• The ** Keys
  Push ** if you make a mistake and would like to erase the last transaction.

CIT Examples

• Savings Account Balance Inquiry:
  Enter function number 72 and the # key, then enter suffix 21 and the # key.
• Checking Account Balance Inquiry:
  Enter function number 72 and the # key, then enter suffix 92 and the # key.
• Transfer $275.00 from Savings To Checking
  1. Enter function 78 then # key
  2. Enter number 21 then # key
  3. Enter number 92 then # key
  4. Enter amount,  27500 then # key
  5. Wait for CIT to confirm your transfer

CIT Functions & Deposit & Loan Suffixes