Bank Operations / Deposit Insurance

If AmeriServ has temporarily reduced branch access or is not open, is my money still insured?

In difficult circumstances, AmeriServ may need to temporarily limit operations to protect the health of our employees and customers. This may include closing a lobby, converting to drive-thru only services, or encouraging customers to use ATMs or digital channels to access their services.

Regardless of the bank’s operating conditions, your money is insured by the FDIC. Deposits with an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.

You can read FDIC Consumer News for more information on deposit insurance.

Will there be enough cash during a pandemic or other national disaster?

The Federal Reserve System has and will continue to meet the currency needs of banking customers. Be assured that sufficient resources are available to handle customer needs.

Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure that their customers have access to funds either directly or electronically, and inside an FDIC-insured bank, your funds are protected by the FDIC.

Is there anyone I can speak with if I have detailed questions about my FDIC deposit insurance coverage?

Yes. The FDIC has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert between 8:30AM- 5:00PM Monday-Friday.

If you prefer, you can also contact the FDIC in writing via the FDIC Information and Support Center at ask

I have deposits at a bank that I think may exceed the FDIC’s deposit insurance limits. What should I do?

At, the FDIC has a number of deposit insurance resources to help you determine your deposit insurance coverage. A key tool for determining deposit insurance coverage is the Electronic Deposit Insurance Estimator (EDIE), which is available at

In addition, the FDIC website has a wide range of other links that can help you determine your deposit insurance coverage.

The FDIC also has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert between 8:30AM- 5:00PM Monday-Friday.

If you prefer, you can also contact the FDIC in writing via the FDIC Information and Support Center at ask

Who can I contact for information about banking services?

Customers with questions can contact the FDIC toll-free at 1-877-ASK-FDIC or 1-877-275-3342 or TDD 800-925-4618 for information about accessing banking services or how to reach their bank. This hotline operates from 8:00 a.m. to 8:00 p.m. Eastern Time Monday through Friday and 9:00 a.m. to 5:00 p.m. on Saturday and Sunday. Please note the FDIC does not have access to your specific bank account information. For immediate assistance, you should contact your bank directly.

Access to Money

Our community is being encouraged to use social distancing to help stop the spread of COVID-19, and AmeriServ is restricting lobby access to branching facilities. What should I do?

Contact us at 1-800-837-2265 to ask for assistance in meeting your banking needs.

We can also also help you set up or use online banking, or the bank’s mobile app and digital channels, to complete transactions such as depositing a check to your bank account or paying bills. In addition, you may want to consider signing up for direct deposit so that a paycheck or public benefits payment goes directly into your account.

I can't reach my bank by phone or internet. What should I do?

Some bank branches heavily impacted by COVID-19 may have limited personnel in place to respond to calls and some may need to temporarily close to protect our employees.

You can reach us at 1-800-837-2265, and you can contact the FDIC if you have questions at 1-877-ASK-FDIC (1-877-275-3342).

How can I protect against fraud or scams?

Protect your personal and financial information. Understand that some people may take advantage of COVID-19 by using fraudulent websites, phone calls, emails, and text messages claiming to offer “help” but may be trying to trick people into providing Social Security numbers, bank account numbers, and other valuable details.

Do not divulge your bank or credit card numbers or other personal information over the phone unless you initiated the conversation with the other party, and you know that it is a reputable organization.

In addition, you should be cautious about online solicitations. Be on guard against imposters who contact you claiming to be government employees or volunteers and who ask for personal financial information or money.

Reject offers to cash a check for someone in exchange for a fee, even if the bank makes the funds available to you right away, as it may later turn out that the check was fraudulent.

I didn’t receive my direct deposit. What should I do?

Contact your employer to ensure that payroll operations are functioning as normal and to verify that funds were sent to the correct account, and when they are scheduled to be deposited into your account.

I need to set up a direct deposit. What is the routing number and account number?

AmeriServ's routing number is: 031301066

Your account number can be found on your checks, at the bottom, following the routing number. The last series of numbers are your check number, which you can verify in the upper right-hand corner.

Identity Theft / Verification

What steps can I take to prevent identity theft and what can I do if someone steals my identity?

If you feel ID theft is a concern, or have reason to believe you may be a victim of ID theft, you may place a "fraud alert" on your credit file, by contacting the fraud department at one of the three major credit bureaus for which contact information appears below:

Equifax: 1-800-525-6285;;
P.O. Box 740241, Atlanta, GA 30374- 0241

Experian: 1-888-EXPERIAN or 1-888-397-3742;;
P.O. Box 9554, Allen, TX 75013

TransUnion: 1-888-909-8872;
Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016

You only need to notify one credit bureau. The one that processes your fraud alert will notify the other two. Those two then must place fraud alerts in your file.

Placing a “fraud alert” on your credit file can help prevent a thief from opening new accounts or making changes to your existing accounts.

Be aware, however, that placing an alert on your credit file also may prevent you from opening an account unless the bank can contact you and positively confirm your identity and that you are applying for credit.

In addition, people who think their personal information has been misused should contact the local police. They also can contact and file a complaint with the Federal Trade Commission by phone at 877-IDTHEFT or 1-877-438-4338 or TDD 1-866-653-4261 or on the Internet at

As always, protect your Social Security number, bank account and credit card numbers, and other personal information, especially in response to unsolicited requests from strangers.

Fraudsters may try to trick you into divulging personal information, or they may steal sensitive email or documents from homes and offices.

There are unauthorized charges on my debit card. What should I do?

If you suspect fraud on any of your AmeriServ accounts, contact us toll-free at 1-800-837-2265.

There are unauthorized charges on my credit card. What should I do?

AmeriServ credit cards are underwritten by Elan Financial Services, Inc. You should contact them immediately and provide information regarding the disputed transactions.

Consumer Credit Card Members should call 1-800-558-3424.
Business Credit Card Members should call 1-866-552-8855.