Frequently Asked Questions

Fremont Bank's ABA Routing Number for electronic payments (including direct deposits and automatic payments) and ordering checks is 121107882. You can find it at the bottom of your check:

Getting started with Online and Mobile Banking is easy. Click this link. Then click “Enroll” at the bottom of the screen and you will be guided through the setup process.

You can also enroll from our mobile banking app. Download our Mobile Banking App on the iOS App Store or Google Play Store, and check out our helpful tips [this page is being converted into FAQs - link to this section] to get started.

You will be prompted to select an Access ID and password of your choice. After that, you can change your password at any time. Your password must be 8–32 characters in length, and must include at least one number, one uppercase letter, one lowercase letter, and one special character. Passwords are case sensitive.

If you have any questions please call us at (800) 359-BANK(2265).

Zelle® is available for personal checking accounts within Fremont Bank’s mobile banking app and online banking as part of our Payments Services! To access Zelle®, you must first enroll in Payment Services through Personal Online Banking. Once enrolled, you can access Zelle® from Personal Online Banking or the mobile banking app.

We recommend you enroll before someone sends you money. This will help you get your first Zelle payment faster. To enroll in Payment Services:

1. Log in to Personal Online Banking and select the Bill Pay and Zelle® menu
2. Click Enroll and accept the Terms of Services and Privacy Policy
3. Review your information and complete the validation step
4. Select what else can I do? on bottom right corner
5. Select the Send Money With Zelle® tab
6. Register your Email or Phone number within Zelle, and confirm your account

Please review your loan funding package for instructions on how to enroll.

If pop-ups for Payments or External Transfers are being blocked by your browser’s pop-up blocker, follow the steps below to change your browser preferences to allow pop-up windows from Fremont Bank while in online banking.

• Select Safari > Preferences, then select Websites at the top of the window
• Select Pop-up Windows on the left
• Find “online.fremontbank.com” and/or “fremontbank.com” and set the drop-down to allow

• Click on the 3 vertical dots in the upper right corner of the browser window
• Click Settings
• Scroll down to Privacy and Security, then click Site Settings
• Click Pop-ups and Redirects In the allow section, click Add
• Enter fremontbank.com

Business clients can send wire funds domestically and internationally, through Business Online Banking. Personal Banking clients can send domestic wires through online Banking. Domestic, foreign currency and international wires for personal banking client can be done by visiting the branch.

• To learn more about wires for business clients visit Business Online Banking.
• To learn more about wires for personal clients visit Personal Online Banking.

Online Bill Pay is a complimentary service available to anyone that is currently enrolled in our Personal Online Banking service and has a checking account. After you log in, select BillPay and Zelle® from the left navigation menu and follow the enrollment steps. Add a company or person to pay (you can browse names or add a company or individual manually.) Choose when and how much you want to pay. Select Make Payments and you’re done!

Watch our Online Bill Pay Demo

Online Bill Pay is a complimentary service for personal account holders. 

If you have a deposit account with Fremont Bank,

• Tap on the Menu - located on the bottom right hand corner
• Tap on Statements and Forms
• Tap on Tax Documents
• Select the Tax Year
• Tap EOY-1098 Notices and then tap on Get eDocument
• Choose to email or text it to yourself and click Done

• Log in to your deposit account at Fremontbank.com
• Click on Statements and Forms
• Click on Tax Documents
• Select the Tax Year
• Choose the document you would like to view
• Click on Get eDocument
• Print or Save your document

If you have a  Home Loan or HELOC with Fremont Bank,

• Select your Mortgage account
• Scroll down to Quick Links and tap the hamburger menu on the right
• Tap on Statements/Documents
• Scroll down and tap on 1098/1099
• Tap on the document you would like to view

• Log in and select your Mortgage account
• Click on Statements/Documents
• Scroll down to 1098/1099 Forms
• Click on 1098/1099 Forms
• Click on the document you would like to view
• Print or Save your document

In the context of services like Apple Pay, Samsung Pay, and Google Pay, a digital wallet refers to a mobile payment system that allows users to store their payment card information securely on their smartphones or other compatible devices. These digital wallets enable users to make contactless payments in physical stores, as well as online and in-app purchases, without needing to present their physical payment cards.

Here's how they work:

1. Apple Pay: Apple Pay is Apple's digital wallet service. Users can add their credit or debit card information to the Apple Wallet app on their iPhones, iPads, Apple Watches, and Mac computers. The information is stored securely using encryption, and users can authenticate payments using biometric features like Face ID or Touch ID. Payments are made by holding the device near a contactless payment terminal and authorizing the transaction through biometric authentication. Apple Pay, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.
2. Samsung Pay: Samsung Pay is Samsung's equivalent service, available on select Samsung devices. What sets Samsung Pay apart is its compatibility with both NFC (Near Field Communication) and MST (Magnetic Secure Transmission) technologies. This allows Samsung Pay to work with a wider range of payment terminals, including older ones that lack NFC support. Users can add their cards to the Samsung Pay app, and payments are authorized through PIN, fingerprint, or facial recognition. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
3. Google Pay: Google Pay is Google's digital wallet platform. It allows users to store payment card information on their Android devices, and make payments in stores, online, and within apps. Google Pay uses NFC for contactless payments and offers added security through features like biometric authentication and device passcodes. Google Pay is a trademark of Google LLC.

Digital wallets such as Apple Pay, Samsung Pay, and Google Pay are considered safe and secure methods of making payments. However, like any technology, there are risks and best practices to keep in mind to ensure your safety while using these services:

• Encryption: These digital wallet services use strong encryption to secure your payment card information. This means that your sensitive data is stored and transmitted in a highly secure manner.
• Tokenization: Instead of transmitting your actual payment card number during a transaction, these services use a process called tokenization. This involves creating a unique token that represents your card information. Even if this token is intercepted, it cannot be used to make further transactions, making your actual card data less vulnerable to theft.
• Biometric Authentication: Many of these services offer biometric authentication methods like fingerprint recognition and facial recognition to authorize transactions. This adds an extra layer of security, as only you can authorize payments with your biometric data.
• Monitor Transactions: Regularly review your transaction history to identify any unauthorized activity. Most digital wallet services provide easy access to your transaction records.

While these services are designed with security in mind, it's important to stay vigilant and follow best practices to minimize the risk of any potential security breaches.

1. Submit accurate, timely information. Unintentional errors can raise false fraud alerts.
2. Train your staff and have internal disbursement processes in place.
3. Review your checks and records in an efficient manner and process notifications quickly.
4. Use clear vendor names. Optical Character Recognition (OCR) software will flag unclear names.

For just about the cost of one meal delivery a month, you can mitigate the massive risk check fraud presents. Set up fees may apply.

Check Positive Pay with Payee Match: $60/month per account
ACH Positive Pay: $25/month per account