FAQs

Yes, we offer a positive pay solution for business customers called Check Fraud Alert.

• Learn more about Check Positive Pay.

We also have a solution that allows you to control who can electronically debit your business checking account. That service is called ACH Fraud Alert.

Below is the information we need to properly process an incoming domestic wire transfer to your BankCherokee account.

Send to:
BankCherokee
607 S. Smith Ave.
St. Paul, MN 55107

ABA/Routing Number: 096000580

BNF (Beneficiary): Customer’s Name and Account Number with BankCherokee.

Below is the information we need to properly process an incoming foreign wire transfer to your BankCherokee account.

INTERMEDIARY INSTITUTION:
Pacific Coast Bankers’ Bank
San Francisco, CA 94104
SWIFT CODE: PCBBUS66
ABA Number: 121042484

BENEFICIARY BANK (Financial Institution):
BankCherokee
607 S. Smith Ave
Saint Paul, MN 55107
ABA/Routing Number: 096000580

BENEFICIARY CUSTOMER:
Name: << the beneficiary’s name goes here >>
Address (Line 1): << the beneficiary’s address goes here>>
Address (Line 2): << the beneficiary’s second address line, if any, goes here >>
Account Number: << the beneficiary’s account number with BankCherokee>

BankCherokee’s routing number is 096000580.

Call 651.225.6299 during banking hours.

Call 1.800.472.3272 after hours and a member of their support team will assist you.

You can reorder checks online or call us during business hours at 651-225-6299.

Visit our Locations page for directions, contact information and hours for each of our locations.

We give you same-day credit for your deposit right up until closing time. Visit our locations page for bank hours.

Opening a checking or savings account with BankCherokee is easy. Fill out our account application and one of our bankers will be in touch to work out the details.

We know your time is valuable, that’s why we make applying for a loan easy. Fill out our loan account application and one of our bankers will be in touch to work out the details.

Opening a business checking or savings account with BankCherokee is easy. Fill out our business account application and one of our bankers will be in touch to work out the details.

We know your time is very valuable, that’s why we make applying for a loan easy. Fill out our business loan request form and one of our bankers will be in touch to work out the details.

Open our deposit rate sheet to view our current rates on checking, savings and certificates of deposit.

Your internet browser’s cache stores certain information (snapshots) of webpages you visit on your computer or mobile device so that they’ll load more quickly upon future visits and while navigating through websites that use the same images on multiple pages so that you do not download the same image multiple times. Occasionally, your cache can prevent you from seeing updated content, or cause functional problems when stored content conflicts with live content. You can fix many browser problems simply by clearing your cache.

Your browser’s cache (pronounced “cash”) stores information to help pages load faster. Cookies are small files stored on your computer that save specific information (like passwords and site-specific preferences). If the data stored in the cache and cookies is old, it can prevent sites from loading correctly and clearing them can help resolve these issues.

The links below are to browser-specific documentation as many browsers are updated frequently and instructions may change.

Find browser-specific Instructions:

Google Chrome

Apple Safari

Microsoft Edge

Mozilla Firefox

Find Mobile-specific Instructions:

iPhone (Safari mobile)

Android (Chrome mobile)

Simply fill out the online enrollment form, after you complete the enrollment form you’ll have immediate access to your BankCherokee accounts.

Bill Pay is a feature that allows BankCherokee customers to send payments either electronically or via U.S mail without the need for postage. It is a great time saver. Check out our Cherokee Online Bill Pay demo.

No, there is no monthly fee for online banking.

No, there is no monthly fee for our online Bill Pay service. Please keep in mind, if you don’t use your bill pay account at least once in a 3 month period it will become inactive.

You can check the status of your bill payment by logging into your bill payment account and then click on Bill History. From this screen, you can locate the payment in question and view the payment details. Or if you’d prefer speaking to someone you can call 1.866.679.3392 between the hours of 6 am to Midnight seven days per week.

Please contact our convenience banking center at 651-225-6299, and a bank representative will be able to assist you.

Please contact our convenience banking center at 651-225-6299, and a bank representative will be able to assist you. If you remember your access ID but have forgotten your password, you can use our reset password feature and we will email you a temporary password.

Yes, our Mobile Banking service is free. Our standard fees apply for expedited bill payments made through Mobile Banking.

Message and data rates may apply.

Yes. You must be enrolled in Cherokee Online Banking to use mobile banking.

If you plan on only using the app, you can simply visit your app store and download the app. If you want to use the Text or Mobile Browser versions, you’ll need to enroll.

To enroll, log in to Online Banking, click on “Personal Profile” and go to the section entitled “Mobile Banking Profile”. Once enrolled, you will receive a welcome text with additional information.

There is no waiting period.

For the Mobile Banking App: Once you have downloaded and installed the app, simply log in using the same user ID and password used for Online Banking.

For Mobile Browser Banking: Log in to Cherokee Online Banking, click on “Personal Profile” and go to the section entitled “Mobile Banking Profile”. Once enrolled, you will receive a welcome text with a special link to the mobile browser site. Make sure to bookmark this link for future use.

For Text Banking: Log in to Cherokee Online Banking, click on “Personal Profile” and go to the section entitled “Mobile Banking Profile”. Once enrolled, you will receive a welcome text.

No. Use the same Cherokee Online Banking username/access id and password. If you change your Online Banking password, the Mobile Banking password will automatically change as well.

The smartphone app can be found by searching your smartphone’s application store, either the Apple App Store, Google Play or Kindle Store. You simply type in “BankCherokee” to find us.

Once downloaded, simply use your Cherokee Online Banking credentials to log in.

You can deactivate the device by following these steps:

• Log in to Cherokee Online Banking and access Mobile Banking preferences under the Personal Profile link. Locate the phone number and select the option “Stop using this device for Mobile Banking”.
• Or call us at 651-225-6299 during regular banking hours.

It’s easy. Just log into Cherokee Online Banking and set your alert preferences by clicking on the Blue Alerts button located in the upper right-hand corner of your screen. The Alerts system may take a few seconds to load, once it appears, click on the “Messenger” link and a new page will load with an option to “Setup New Alert”, click that link and select the type of Alert you’d like to set up.

No. To add a new payee to your list, log in to Cherokee Online Banking Bill Pay.

You can view your current and previous statement history via mobile banking.

You may make any number of Mobile Deposits with a daily limit of $5,000.00. Each Mobile Deposit includes one deposited check only.

Be sure that the back of the check is endorsed, as usual, and include the words ‘For Mobile Deposit Only BankCherokee’ to identify the check as a Mobile Deposit.

Funds from Mobile Deposits are generally available on the next business day after it is received, just like any deposit.

If making a deposit prior to the cut-off time (2:30 pm CST) you will see a Pending Transaction credit on your account around or after 3:30 pm CST. You can also check the status of your deposit via mobile banking. Log in to Mobile Banking, click on Deposits, and then click on View Deposit History.

The cut-off time for Mobile Deposit is 2:30 pm CST.

We recommend securely storing the check for 14 business days, then destroying the original paper check.

Any check drawn from a U.S. financial institution can be deposited. The following items cannot be deposited:

• International checks.
• U.S. savings bonds.
• Postal money orders.
• Third-party checks.
• Checks payable to customer and another party who is not a joint owner on the account.

eStatements are an electronic version of your paper statements. They look just like your paper statements, but you view them online.

Yes. Your eStatement is stored on a secure server and transmitted to your Internet browser using 128-bit encryption. Only you can access your eStatement using your Cherokee Online access ID and password.

Because Access IDs, Passwords, and our additional level of security are needed to access your eStatement, your information is more secure than it is in your mailbox, where identity thieves can easily grab your paper bank statements. BankCherokee also uses state-of-the-art security measures to ensure that your information is protected online.

Yes. Your eStatement contains the same information your paper statement does. The eStatement itself is a Portable Document Format (pdf) version of your paper statement and looks exactly like the paper statements you’re used to receiving.

No. eStatements are a free service from BankCherokee.

Signing up for eStatements requires enrollment in Cherokee Online. Access to Cherokee Online requires an Internet connection and a current browser supporting 128-bit security encryption. Viewing eStatements requires the free Adobe® Acrobat® Reader® software or similar program.

eStatements are currently available for all BankCherokee checking and savings accounts.

eStatements are enrolled on an account-by-account basis. Therefore, you can enroll as many checking and savings accounts as you wish. If you wish to enroll additional accounts after your initial enrollment, simply click on the Personal Profile link after you’ve signed into your online banking account and scroll down to the eStatements section.

Log on to Cherokee Online.

• Click on the Personal Profile link/button.
• Scroll down to the bottom of the page and look for the section entitled eStatement Enrollment.
• Click on the Edit button to enroll.

Each month, you will receive an e-mail notification from BankCherokee that lets you know your statement is ready. The message will not contain any confidential information, such as your BankCherokee account number. The message will provide a link that will direct you to the “Log In” screen of our Internet Banking service, where you’ll use your Access ID and Password to access your account statement.

Log into your online account. Click on the account number for the statement you would like to view. Click on the Documents button. Click on the eStatements link. Now, simply click on the statement you would like to view and it will open up in Adobe Acrobat. It’s that easy!

A PDF is a Portable Document Format and is a standard way to deliver electronic documents on the Internet. Your eStatement will be delivered to you as a PDF document. To read your PDF eStatement document you will need a copy of Adobe Acrobat Reader.

You can change your mind, and withdraw your consent, at any time. You can withdraw your consent by calling us at 651.225.6299 or by writing to us at: BankCherokee, Attn: Internet Banking, 607 S. Smith Ave. St. Paul, MN 55107. When you turn off eStatements, you will automatically begin receiving mailed (paper) statements and legal notices with your next statement cycle. Depending on the type of personal checking or business checking account you have, there may be a monthly fee for paper statements.

We will notify you via email when your eStatement is ready to be viewed.

Log into your Cherokee Online account. Click on the Personal Profile link. Look for the section entitled E-Mail and click the Edit button. Enter your new e-mail address and Submit.

Yes. Your actual eStatement is independent of your email notification. If you do not receive your email notification, please call us at 651.225.6299, during business hours, and one of our convenience bankers will verify that we have your correct email address.

You will be able to view your statement for 16 months. Each month your new statement will be added to your available eStatement list, which will accumulate up to a 16-month period. After 16 months, your oldest eStatement will no longer be available online. You will have the ability to save your eStatements to your computer while the eStatement appears in your active eStatement list.

Once you have opened your eStatement and are viewing it in Adobe Reader, go to the File menu and choose “Save As”. Name the statement file whatever you would like and choose the location you would like to save it to on your computer. Alternatively, you can just right-click on the date of the statement you want to save and choose “Save Target As” from the pop-up menu, name the statement file whatever you would like, and choose the location you would like to save it to on your computer.