How do I change my address?

How do I change my legal name? How do I change my legal title?

To change your legal name or title, please bring a photo ID with your new name to either Golden Belt Bank location and a customer service representative will assist you in completing the proper forms to make the change.

For funds availability purposes, when is Golden Belt Bank's cutoff time?

If you make a deposit before 2:00 pm on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open. This means that when you deposit a check before 2:00 pm, your funds will be available to you on the next business day. However, if you deposit a check after 2:00 pm, your funds will be available in two business days. Electronic direct deposits will be available on the day we receive the deposit.

What is considered a business day?

Generally, business days are Monday - Friday, excluding holidays. See our holiday schedule for the days we are closed.

Can I order foreign currency?

Yes, go to our Order Foreign Currency page and you will be directed to a website where you can order foreign currency. From this site you can order a wide range of foreign currencies, with a choice of delivery methods.

Why won't my debit card work internationally?

To help protect our customers from debit card fraud, we have prevented our debit cards from working on international transactions. However, if you are planning on taking a trip to another country and would like to use your debit card, please call us at (785) 625-7345. Simply tell us where you will be traveling and your travel dates and we will enable your card for international transactions during that timeframe.

What steps do I need to take if I suspect that there is fraud on my debit card?

If you suspect there is fraud on your card, contact Golden Belt Bank immediately at (785) 625-7345.

What should I do if my ATM/Visa® Debit card is lost or stolen?

If your ATM or debit card is lost or stolen, please notify us immediately.

During business hours, Monday - Friday, 8 am - 5 pm


After business hours


What are credit or "signature-based" debit card transactions?

Credit or "signature-based" transactions are any transaction in which you use your debit card to pay for something and you complete the transaction by signing the sales receipt instead of using your personal identification number (PIN).

How do I activate my debit card?

There are three ways you can activate your debit card:

  • Call us. A Customer Service Representative will verify your identity and then activate the card.
  • Call 1-888-227-3096.
  • Conduct a transaction using your PIN at either an ATM or POS terminal.

What are my debit card limits?

Your debit card limit depends on the type of card you have and where you are trying to use the card. Below is a list of card types and their respective (online) limits:

  • Visa® Debit Card - Point of Sale $1,500, ATM $500
  • ATM/POS Card - Point of Sale $500, ATM $500
  • Student/Teen Card - Point of Sale $300, ATM $100

All of our cards have a $100 off-line limit. Please note that the daily debit card limit resets at approximately 2:00 pm CST each day.

What is an EMV smart chip enabled card?

An EMV smart chip enabled card is a credit or debit card that has a computer chip in the card and uses that technology to authenticate transactions. EMV stands for Europay, MasterCard and Visa, and is a global standard for chip cards.

What type of transactions are considered Reg D transfers and withdrawals?

Regulation D requires us to limit customers to no more than 6 covered transfers or withdrawals per month. There is no limit to the number of non-covered transfers or withdrawals. The chart below shows which transfers and withdrawals are covered (and therefore counted toward the limit) and which are not.

Reg D Non-Reg D

Transfers or withdrawals made to another account of the same customer at the same bank, if made by:

  • preauthorized transfer,
  • automatic transfer,
  • by telephone, including fax, or
  • with the bank's online banking service.
Transfers for the purpose of repaying loans and associated expenses at Golden Belt Bank.

Transfers or withdrawals to a third party (or to an account of the customer's at another financials institution), if made by:

  • preauthorized transfer,
  • automatic transfer,
  • by telephone, including fax, or
  • with the bank's online banking service.

Transfers from one account of the customer to another account of the same customer, if made by:

  • mail,
  • customer's messenger,
  • ATM, or
  • in person.

Transfers to a third party (or to an account of the customer's at another financial institution), if made by:

  • check,
  • draft,
  • debit card, or
  • similar order made by the depositor and payable to third parties.

Withdrawals from the account (considered payments made directly to the customer), if made by:

  • mail,
  • customer's messenger,
  • ATM, or
  • in person.
  Withdrawals made by telephone via check mailed to customer.
  Transfers into the account.


What is the difference between a fixed rate loan and an adjustable rate loan?

With a fixed rate loan the interest rate and monthly payment of principal and interest remains the same for the duration of the loan. With an adjustable rate loan, the interest rate stays fixed for an initial period, which ranges from 1 to 7 years and then may change periodically, usually on an annual basis.

How do I know which type of mortgage loan is best for me?

Ultimately, your loan officer can help you choose the type of mortgage loan that is best for you and your family. You may be asked some of the following questions to help determine which type of loan best fits your lifestyle.

  • How many years do you expect to live in your new home?
  • How important is it to be free of mortgage debt before facing your children's college bills or planning for your own retirement?
  • How comfortable are you with the certainty of a fixed mortgage payment versus a payment that can change over time?

What does my mortgage payment include?

Your mortgage payment will include both principal and interest. If you choose to have your taxes and homeowners insurance escrowed, a portion of your payment will also be applied to escrow.

How much cash will I need to purchase a home?

Normally, saving a 5% down payment plus funds for closing costs is recommended. However, special programs exist to help qualifying homebuyers obtain 100% financing. Review our Low Down Payment Options to learn more.

How do I qualify for a First-Time Homebuyer Grant?

Grants are only available to first-time homebuyers as defined by the FHLBank Topeka. See our First-Time Homebuyer page for more information on this and other mortgage loan options available to first-time homebuyers.

What can I finance with a Home Equity Line of Credit (HELOC)?

You can finance virtually anything with a HELOC.