Frequently Asked Questions

Call 860-448-4200 for our Customer Care Center and to connect with all departments.

Customer Care Specialists are available by phone Monday-Friday 8:00 am to 7:00 pm and on Saturday from 8:00 am – 3:00 pm. To find the hours of the branch and lending offices most convenient to you, visit chelseagroton.com.

Any delayed opening or closing will be posted on our website, the Bank’s social media channels, and with local media outlets. You will also be notified by email if you have signed up for our Mutual Matters e-newsletter. In most cases, you can connect with a video banker if there is a closure, Monday-Friday 8:00 am to 7:00 pm and on Saturday 8:00 am – 3:00 pm, from the comfort of your home or office.

We have 14 branches conveniently located in Southeastern, CT, search for the Chelsea Groton Bank location and hours near you. For added convenience, you can connect with a video banker Monday-Friday 8:00 am to 7:00 pm and on Saturday 8:00 am – 3:00 pm, from the comfort of your home or office.

We have ATMs / VBMs (Video Banking Machines) at all 14 Chelsea Groton Bank branches. In addition, SUM and Moneypass (our ATM networks) provide nationwide access to cash.

Please call 1-860-448-4174 or visit our Rates page online.

View our deposit rates online or call our Customer Care Center at 1-860-448-4200.

Call immediately!

• Lost or Stolen Debit Cards (24/7): Domestic: 1-833-337-6075.
• Lost or Stolen Credit Card (24/7): Consumer 1-800-558-3424; Business 1-866-552-8855
• Lost or Stolen Checkbooks: Call 860-448-4200 or visit your local branch during normal banking hours.

You should receive your Visa^® Debit/ATM card within 10 business days of opening and funding your account. If it’s been more than 10 business days, please contact the Customer Care Center at 860-448-4200 for assistance.

To activate your Visa^® Debit Card, call 800-992-3808, visit a Chelsea Groton Bank ATM, or complete another PIN based transaction. You must have a PIN already established to activate by phone or ATM. If you don’t have a PIN, please visit one of our branches or contact Customer Care at 860-448-4200.

Debit cards are valid thru the last day of the expiration month. Replacement debit cards are mailed by the middle of the expiration month. Cards are mailed directly to the cardholder.

The daily (we define as a 24 hour period beginning at 6 pm and ending at 6 pm) ATM withdrawal limit on your Chelsea Groton Visa^® Debit Card is $500. Your daily purchase limit is $2,500.

Temporary changes to your daily purchase and withdrawal limit must be requested in advance to our Customer Care Center by calling 860-448-4200 or connecting with us via ChelseaLIVE. Accounts must be in good standing, other terms and conditions may apply.

Fraud Watch monitors debit card transactions on behalf of Chelsea Groton Bank. If they flag a transaction as suspicious, they will put a temporary block on the card while attempting to reach you.

• Fraud Watch can be reached at 833-337-6075 (24/7).
• When in doubt, please contact our Customer Care Center 860-448-4200.
• If your card is lost or stolen, contact (24/7): Domestic: 1-833-337-6075.

Initial orders are placed by the branch where your account was first opened. If you did not order checks at that time, you may place an order or reorder checks at any time through our Customer Care Center by calling 860-448-4200 or online.

Please call our Customer Care Center at 860-448-4200 or visit one of our branches.

View our Schedule of Charges or speak with a Customer Care Specialist at 860-448-4200.

Personal online banking accounts are typically available right away. If you are not able to log-in to your new online banking account, call our Customer Care Center at 860-448-4200 for assistance.

Our ABA/Routing number is 211173357.

Our self-service username and password reset tools can be found on our online and mobile banking login pages, and are available to you 24 hours a day for your convenience. For further assistance with your username, please contact us via Chelsea Live. For password assistance, please contact our Customer Care Center at 860-448-4200. These services are available Monday-Friday 8:00 am to 7:00 pm and Saturdays 8:00 am to 3:00 pm.

Stop payments can be placed in online and mobile banking, through our live Chat, by phone at 860-448-4200, or by visiting your local Chelsea Groton Bank branch.

• Log into online banking.
• Navigate to the top right-hand corner where you see your name. Click on the dropdown and then click on Banking Services. Scroll down and select Stop Payment.
• Select the account the check was written from.
• Enter the check number, amount, payee and reason for the stop payment.
• Click “Submit”.

Fees may apply, please see our schedule of charges for more information.

Please send us a secure message in online or mobile banking, contact us through our live Chat or by phone at 860-448-4200.

Online and Mobile Banking are generally available 24 hours a day, 7 days a week except for occasional system maintenance.

For optimal performance when connecting with us, we recommend you use Microsoft® Edge, Firefox, Google Chrome, or Safari (for Mac). Please note for your security and an optimal experience, we support the three most recent browser versions.

Sign up for eStatements in online or mobile banking.

• Log into your online/mobile banking account.
• Navigate to the top right-hand corner where you see your name.
• Click on the dropdown and then click on Banking Services.
• Scroll down and select eStatements.
• After accepting the Terms and Conditions, you will be able to enroll in eStatements.

For assistance, please contact us through our live Chat or by phone at 860-448-4200.

Account Alerts provide timely information about your account to your email or mobile device, so you can manage your accounts more effectively, help prevent fees, and monitor for irregular activity.

In addition to alerts available through online and mobile banking, we also have a Smart Card App. Through the Smart Card App, you can turn your card on or off, set spending, merchant type and geography limits, and receive notifications anytime your balance goes above or below the threshold you have set, and more.

Yes, changing to a Statement Savings account will provide you with ATM card access and access to your account information through online banking. Monthly statements are provided to you and you can have the option of eStatements through Online Banking.

Our mobile banking app makes it easier than ever to bank on-the-go.

• First, download Chelsea Groton’s mobile app in the App Store (iPhone) or the Google Play (for Android).
• Next, log in using your online banking credentials.
• To make a mobile deposit, click on the three bars at the top right-hand corner of the app, and click on Deposit a Check.
• Select which account you are depositing funds to, the check amount, and take a photo of the front and back or your check. The click “Deposit.”
• Please note, you will need to endorse the back of the check with “For Mobile Deposit Only at CGB” in order for the deposit to be accepted.

Our Incoming Domestic Wires are received by Chelsea Groton Bank.

Receiving Bank: Chelsea Groton Bank, Groton, CT

Bank Routing/ABA: 211173357

Beneficiary Name/Address: Customer Name/Address

Account#: Customer Account Number

Receiving Bank:
US Correspondent Name: Atlantic Community Bankers Bank, Glastonbury, CT 06033

US Correspondent Swift: NORHUS33

Bank Routing/ABA: 011110617

Beneficiary Bank: Chelsea Groton Bank, 904 Poquonnock Road, Groton, CT 06340

Beneficiary Bank Account: 1010

Beneficiary Name/Address: Customer Name/Address

Beneficiary Account: Customer Account Number

If you need to send a wire out from your Chelsea Groton Bank account, you must provide us with the receiving bank name, routing/ABA number, address, beneficiary name and their account number. You’ll have to obtain this information from the beneficiary bank or account holder. Please note that outgoing wire requests are accepted in person at any of our branches. We do not accept wire requests by phone, email or fax.

Never trust wiring instructions sent via email. Cyber criminals are hacking email accounts and sending emails with fake wiring instructions. These emails are convincing and sophisticated. Always independently confirm wiring instructions in person or via a telephone call to a trusted and verified phone number. Never wire money without double-checking that the wiring instructions are correct.

You will need to provide Chelsea Groton’s ABA/Routing number which is 211173357, as well as your business name, business address, and your account number at Chelsea Groton.

Yes, the fee is 3% with no charge for Relationship Account customers.

Yes, services are available for customers; contact any of our branches or our Customer Care Center for assistance at 860-448-4200.

Bank checks and money orders are available for purchase by bank customers through any of our 14 branch locations.

If you already receive Social Security or SSI benefits and you have a bank account, you can sign up for Direct Deposit by:

• starting or changing Direct Deposit online via the official Social Security website: ssa.gov/myaccount/ (Social Security benefits only), or
• contacting our Customer Care Center at 860-448-4200, or
• visiting a local Chelsea Groton branch near you (branches have SSA forms available), or
• calling Social Security toll-free at 1-800-772-1213 (TTY 1-800-325-0778), or
• filling out a Direct Deposit Sign up Form and taking or mailing it to your Social Security Office. The form is available online in PDF format for downloading and completion. To read and print the form, you must have Adobe Acrobat Reader software installed on your computer.

In all cases, you will need the Chelsea Groton Bank Routing Number (211173357), your Chelsea Groton deposit account number that you want your deposits directed into, and our mailing address: 904 Poquonnock Road, Groton CT 06340.

Endorse checks by writing your signature, your account number and For Deposit Only in the endorsement area on the back of each check to be deposited, and then drop your non-cash deposit in the mail using one of our preaddressed, postage-paid envelopes. If you don’t have a preaddressed, postage-paid envelope, simply mail your deposit to us at:
Chelsea Groton Bank 
P O Box 151
Norwich, CT 06360

As a member of the Federal Deposit Insurance Corporation (FDIC), Chelsea Groton Bank is insured by the FDIC. The FDIC insures deposits in checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. If a family has $250,000 or less in all of its deposit accounts at the same insured bank, the deposits are fully insured. A person may qualify for more than $250,000 in coverage at one FDIC member bank if he or she owns deposit accounts in different ownership categories and all FDIC requirements are met. The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an FDIC member bank.

To learn more, visit the Federal Deposit Insurance website at fdic.gov.

• For paychecks, contact your employer.
• For Social Security, contact 1-800-772-1213
• For pensions, contact your pension administrator
• For other, please visit a Chelsea Groton branch or call our Customer Care Center 860-448-4200

In all cases, you will need the Chelsea Groton Bank Routing Number (211173357), your Chelsea Groton deposit account number that you want your deposits directed into, and our mailing address: 904 Poquonnock Road, Groton CT 06340.

Generally in-person or mail deposits are made available the next business day however there are special circumstances in which we may decide to hold your deposit for a longer period of time. If we do so, a notice will be provided to you. ATM funds may have a longer holding period; please call if you have questions 860-448-4200.

Effective December 31, 2011, Savings Bonds can only be purchased electronically through Treasury Direct.

You can redeem paper E/EE bonds at Chelsea Groton Bank. Visit treasurydirect.gov for special circumstances or redemption instructions for other types of bonds.

Please call our Customer Care Center at 860-448-4200, you may also send us a secure email through your online banking.

Chelsea Groton Bank will never ask you to reveal or confirm any personal or account information over the phone or from an email unless you’ve called us and we’re attempting to identify you. If you’ve given out this information, contact our Customer Care Center at 860-448-4200 during normal working hours or visit your local branch.

Before depositing or cashing the check, discuss your concerns with the teller. CGB will do our best to verify the validity of the check. Keep in mind that you are in the best position to know who and where the check came from and that you are ultimately responsible for any checks that are returned unpaid.

Before depositing or cashing the check, discuss your concerns with the teller. CGB will do our best to verify the validity of the check. Keep in mind that you are in the best position to know who and where the check came from and that you are ultimately responsible for any checks that are returned unpaid.

Contact our Customer Care Center at 860-448-4200 or visit your local CGB branch immediately. Our staff will help you determine what action to take. This may include closing your existing accounts and opening new ones or placing a fraud alert on your credit report.

Contact our Customer Care Center at 860-448-4200 immediately for assistance. Depending on the situation you may be asked to go to one of our branches to close the account to prevent future losses.

Please visit one of our branches during normal business hours. Please bring an unexpired government issued photo ID along with the legal documentation such as marriage certificate, divorce decree, birth certificate (needed for misspelled names), adoption certificate or other legal court order. We’ll help you with the rest.

You can update your information by calling our Customer Care Center at 860-448-4200, by visiting any of our branches, or through online banking.

You can update your seasonal address by calling our Customer Care Center at 860-448-4200, by visiting any of our branches and completing a seasonal address change form, or through online banking.

When calling our Telephone Banking Service, 1-800-816-2472, you’ll have access to your account information on your Chelsea Groton checking, money market, certificate of deposit, IRA and loan accounts*. You may also transfer funds between checking, savings and money market accounts.^*

^{*some restrictions may apply.}

Call our Customer Care Center at 860-448-4200 for assistance.

You may apply online, speak directly with a loan officer by calling 860-448-4174, or visit any of our full service branches.

Construction mortgages work similarly to a line of credit. At closing, you may be disbursed a certain amount for the land and any work you completed prior to closing. After closing you will call the construction desk at 860-448-4114 to schedule an inspection. Upon receiving your call, the Bank Inspector will go out to look at the work that is completed and then report back to the bank. Then the bank will disburse additional funds based on the percentage of work completed.

Pro-rated bills are usually generated by the town as your construction project progresses. Some towns mail the pro-rated bill once the Certificate of Occupancy has been issued and they will only mail to the customer. These bills can be sent to the Bank for payment from your escrow account.

Click here to log in to your loan portal.

Yes. Federal regulation requires flood insurance to be escrowed by lenders on properties that are found to be within a special flood hazard area as determined by FEMA.

Chelsea Groton Bank and/or Its Successors and Assigns/ATIMA, PO Box 869, Groton CT 06340

All loans that are secured by any collateral.

The principal balance or note balance is the original amount borrowed minus the principal portion of your regular payments and any payments made directly to principal. The payoff amount includes the current principal balance, interest due through the expected payoff date, any late charges due (or that will be assessed by the expected payoff date), any escrow funds that may be due, or any prepayment penalties that may apply.

Chelsea Groton Bank will quote payoffs over the telephone to any owner of the account after verifying identification. Any other payoff quotes (to attorneys, other banks, or dealerships) will be processed upon receipt of your signature on a general authorization, or with your verbal okay.

You may go to any Chelsea Groton branch to pay off your loan or via mail at Chelsea Groton Bank, Attn: Loan Servicing, 904 Poquonnock Road 2nd Floor, Groton, CT 06340. This address is also acceptable if you want to overnight the payoff to us.

Usually you find out about an old lien when you go to sell your property or refinance your property. To get the lien released we will need a copy of the title rundown (our mortgagee info, the date the loan was open, the original amount, and the borrower information exactly as listed on land records) on your property. This information is needed to prepare a release of mortgage. A duplicate release fee is required. The closing attorney’s office or the other bank you are refinancing with should have the above information. If they do not, it can be obtained from the town in which your property is located.

You will need to provide us with your VIN number, the year, make, and model of your vehicle. To research whether the loan is paid off or not, it would be helpful if you have the loan number. After obtaining the above information, we will issue a Satisfaction of Lien Letter which can be taken to the DMV to have the lien released.

If the automatic payment was set up by the bank and not via online banking then you do not need to update the amount. If the automatic payment is set up via online bank or through another financial institution then you will need to change the transfer amount to the new payment.

Effective January 2014 federal regulation known as the Dodd-Frank Wall Street Reform and Consumer Protection Act made it a requirement to provide customers with regular periodic statements a/k/a Loan Payment Notices. Unfortunately, you are unable to opt out of receiving a loan payment notice.