Frequently Asked Questions

Click here for More Time Deposit FAQs

Our interest rates can be found here.

For exclusive, online only account such as the OneConnection Savings, refer to the Online Personal Account Rates page.

To open an account online, you must:

  • Be a legal U.S. resident
  • Be at least 18 years old
  • Have a Social Security Number
  • Have a valid Driver's License, State ID or Passport

Yes! You can apply for a joint checking, savings, and time deposit account online. Please note, your joint account holder will appear on all accounts you are applying for during this session. If you are opening multiple accounts online and only want the joint account holder to be on a specific account, please complete a separate application or contact us for assistance.

No. To open an account under a trust, please visit one of our banking offices. Click here to find a location near you.

It takes about 10 to 15 minutes to open an account online. If you already have a ConnectOne Bank account, there is a fast path option that will allow you to save a few extra minutes.  

To get started, you must:

  • Be a legal U.S. resident
  • Be at least 18 years old
  • Have a Social Security Number 
  • Have a valid Driver's License, State ID, or Passport

PODs are not available to be added while opening an account online. However, a POD may be added once your account is open. Please contact us for assistance.

Please note, an account cannot have more than four PODs.

To close your account, contact us at 844-266-2548 or your local banker.

You will receive a maturity notice by mail prior to the maturity date of your Time Deposit. At this point, you can notify the bank, (by phone, in a branch, or by emailing if you decide to close the Time Deposit.

If you choose to close the Time Deposit you will receive the amount in your account upon maturity in one of the following methods:

  • A check can be mailed to you
  • Funds can be transferred into your other existing ConnectOne Bank checking, savings, or Money Market checking account
  • Upon request, we can transfer the funds back to your original funding Financial Institution

If you don’t notify the bank that you’d like to close the Time Deposit, your account will automatically renew after 10 calendar days for the term indicated in your Time Deposit disclosure at the prevailing rate. More information can be found in the Time Deposit Truth-In-Savings disclosure.

When you're opening your account online:

You can fund your new ConnectOne Bank through an ACH transfer from your account at another bank. If you are already a ConnectOne Bank client, you can transfer funds from one of your other ConnectOne accounts.

If you choose ACH funding, you will receive an email within 24 hours confirming that two micro-deposits have been made into the account you’ll be transferring funds from. Once you verify those amounts, the ACH transfer will take place within 2 business days.

Once your account is open, you can make deposits by:

  • Set up direct deposit with your employer
  • Using the Remote Check Deposit feature in our ConnectOne Bank mobile app
  • Transferring funds from an existing ConnectOne Bank account (if applicable)
  • Transfer funds from an account you have at another financial institution using our External Transfer service
  • Visit a ConnectOne Bank location and deposit checks or cash into the account

The minimum opening balance varies by account.

The minimum opening balance requirement for:

  • OneConnection Savings account is $2,500
  • Time Deposit account is $500
  • Impact Money Market account is $2,500. Please note, a $10 maintenance fee will be applied if the balance falls below $2,500 on any day of the week.

You can view your account by logging in to your online banking account or checking your account on your mobile app. If you have not enrolled in online banking, you can do so here.

If you choose to fund your newly opened account through ACH from your account at another bank, we will send micro deposits to verify your account within 2-3 business days. Two small deposits (less than $1) will be placed into your account and you will be asked to verify those amounts. Once verified, the ACH transfer will take place within 2 business days.

External ACH fund transfers initiated through ConnectOne Bank's online banking platform are limited to $3,000.00 per day.

Transfers to or from your ConnectOne Bank account initiated by another financial institution are subject to their transfer limits.

Refer to our Consumer eBanking Account & Services Agreement for more details.

Funds from deposits of electronic deposits and wire transfers are available on the same business day of deposit. 

Funds from checks deposited are available the following business day.

New account holds and additional holds may apply.

Please refer to our Funds Availability Policy for more details.

You can withdraw funds from your account by:

  • Transfer funds to an existing ConnectOne Bank account (if applicable)
  • Transfer funds to an account you have at another financial institution using our External Transfer service online

For Time Deposit Accounts:

  • Upon maturity, you can renew the term for your Time Deposit. If you decide to close the Time Deposit, please contact us and we will mail you a check in the amount in your account upon maturity.
  • If you wish to withdraw funds from your Time Deposit before the maturity date, please contact us. Please note, early withdrawal penalties may apply. More information can be found in the Time Deposit disclosure.

Sign in to your online banking:

  • Navigate to 'Make an External Transfer' under the 'Pay and Transfer' tab
  • Click on 'Add an External Transfer Account'
  • Enter your bank's routing and account numbers
  • Click 'Continue'

You will receive a confirmation email. In order to verify your account at the other bank, we will send test deposit and withdrawal transactions within 2 to 3 business days. Each transaction is less than one dollar.

Once you see these transactions in your other bank account, note the two test deposit amounts with a description of 'TEST TRAN' and sign in to your ConnectOne Bank online banking.

  • Navigate to 'Make an External Transfer' under the 'Pay and Transfer' tab
  • Select 'Verify' for the account you are linking
  • Enter the two test deposit transaction amounts and
  • Click 'Submit'

If you need assistance, please contact our support team at 844-266-2548 or

How can I make a payment on my ConnectOne Bank loan?

Click on the options below to see your loan payment options.
To request a payoff letter, please contact us at 844-266-2548.

Mail a regular loan payment to:

ConnectOne Bank
PO Box 3390
New York, NY 10008-3390

Overnight payments to:

ConnectOne Bank
Attn: Loan Operations
2455 Morris Ave‚Äč
Union, NJ 07083

Please contact us for wire transfer instructions.

Set up automatic loan payments from your ConnectOne Bank checking or savings account.

Please contact us to help you set up automatic loan payments.

Visit a ConnectOne Bank office to make a loan payment in person.

Find a location near you.

Need more help?

Contact us or check out our additional FAQ categories:


Online Banking Help                   Mobile Deposit Help

Gift Card Help                              Visa Debit Card Help

How can we help you?

Contact a ConnectOne Bank representative to learn more.

You come first. We aren't like those other banks.

At ConnectOne Bank, we understand that little things matter and focus on those things when providing personal and business banking solutions for our clients.