Sunflower Bank Customer Care: A Complete, Practical Guide

What Sunflower Bank Customer Care Covers

Sunflower Bank, N.A. provides consumer, small business, commercial, and mortgage services across multiple states under the Sunflower Bank and First National 1870 brands, with mortgage servicing offered through its Guardian Mortgage division. The institution’s roots trace back to 1892, and it operates as a Member FDIC and Equal Housing Lender. Its customer care operation is designed to deliver multi-channel support for day-to-day banking, lending, and treasury needs, as well as rapid response for fraud and card issues.

Customer care can help with debit and credit card support, online and mobile banking access, transaction disputes, account maintenance (address changes, beneficiary updates, stop payments), wires and external transfers, loan payment questions, and small business/treasury management onboarding and troubleshooting. For mortgage loans, servicing questions (escrow, taxes, insurance, year-end statements) are handled through dedicated mortgage support linked to your loan number.

How to Contact Sunflower Bank Customer Care

The fastest way to locate your best contact path is by visiting the official site: https://www.sunflowerbank.com. From there, use the Contact or Support link and the Branch & ATM Locator to find local office numbers, request appointments, or start a secure message. If you are enrolled in Online or Mobile Banking, the secure message center is the safest channel for account-specific questions because it protects your private information and keeps a record of the conversation.

If you prefer to call, use the phone number printed on the back of your debit/credit card, on your monthly statement, or on the Contact page of the website. For mortgage servicing questions, refer to the number shown on your mortgage statement and include your full loan number when you call. When you need a face-to-face conversation—such as for complex account changes, notary services, or wire authorizations—schedule a branch appointment through the Branch & ATM Locator.

• Secure message: Log in to Online/Mobile Banking and use the message center to ask account-specific questions 24/7.
• Phone support: Call the number on your card or statement for immediate assistance with cards, digital access, and transactions.
• In-branch: Use the Branch & ATM Locator on https://www.sunflowerbank.com to find addresses, lobby/drive-thru hours, and appointment options.
• Mortgage servicing: Use the phone and mailing information printed on your mortgage statement for escrow, payoff, or assistance with year-end tax forms.

What Customer Care Can Do for You (and Typical Timeframes)

Card support includes replacing lost or stolen cards, unblocking transactions, changing PINs, and placing international travel notes. If you suspect fraud on a debit card tied to a consumer account, Regulation E generally requires you to report unauthorized transactions within 60 days of your statement being made available; banks often provide provisional credit within 10 business days (20 business days if the account is new), though complex cases can take up to 45 days to resolve. For credit cards bearing the Visa or Mastercard logo, zero-liability policies typically apply to unauthorized transactions when you report promptly.

Digital banking assistance includes password resets, profile unlocks, and troubleshooting the mobile app. If you forget your password, use the “Forgot Password” flow first; if your profile is locked after multiple failed attempts, a representative can validate your identity and restore access. For best results, be ready to confirm a one-time passcode sent to your registered device and verify recent transactions. When you experience errors, note the operating system version (for example, iOS 17.x or Android 14), app version, and the exact time of the issue to speed diagnosis.

For wires and external transfers, customer care can walk you through the required information: beneficiary name and address, receiving bank name and ABA routing number (for domestic), SWIFT/BIC and intermediary bank details (for international), and a clear purpose of payment. Ask for the same-day processing cutoff time at your branch (many banks set domestic wire cutoffs between 2:00 p.m. and 3:00 p.m. local time) and confirm any fees before submission. To mitigate fraud, always verify payee details using a trusted source and expect a call-back verification for new or unusually large wire requests.

Information to Have Ready Before You Contact Support

Customer care can assist you far more efficiently when you come prepared. For identity verification, representatives will ask for your full name, the last four digits of your Social Security Number or EIN, and other data points that only you should know. For business accounts, be prepared with the legal entity name as it appears on the account and the TIN, plus any user IDs for Treasury Management platforms.

For transaction-specific questions, gather exact details: the date and amount of the charge, the merchant name as it appears on your statement, and any receipts or invoice numbers. For digital access issues, record the device make/model, operating system, app version, and any error codes. For mortgage servicing, have your loan number, property address, and whether your question relates to escrow analysis, tax payment timing, or insurance updates.

• Account details: Account number(s), last four of SSN/EIN, and the address/phone on file.
• Recent activity: Dates, amounts, merchant names, check numbers, or wire confirmation numbers.
• Digital context: Device, OS/app version, browser, error messages, and the approximate time of failure.
• Mortgage items: Loan number, escrow/insurance documents, and your requested effective date for changes.

Fees, Statements, and Key Deadlines You Should Know

For unauthorized electronic fund transfers on consumer accounts, report issues within 60 days of the date your statement is made available to preserve certain dispute rights under Regulation E. Provisional credits are often issued within 10 business days after you provide details and any requested documentation, with final resolution timelines communicated by the bank. For check-related disputes (for example, altered or counterfeit checks), report immediately; some states and account agreements impose short windows for returns or claims.

Mortgage servicing follows federal timelines for customer communications and escrow analysis. Annual escrow analysis is typically performed once per year, with any surplus refunds or shortages communicated in advance. Year-end forms—such as IRS Form 1098 for mortgage interest—are generally mailed by January 31 each year; you can request reprints through mortgage servicing if needed. If your loan has a grace period, it is usually specified in your note; a 15-day grace is common, but always confirm the exact terms on your statement and note.

When scheduling transfers and payments, verify cutoff times: bill payments may need to be submitted one to three business days before the due date for electronic delivery, and three to five business days if a paper check must be mailed. For inbound/outbound wires, ask for the same-day cutoff and confirm fees before authorizing. Keep confirmations and case numbers; they are essential if you need to follow up.

Business and Treasury Management Support

For businesses, Sunflower Bank supports ACH origination, domestic/international wires, Remote Deposit Capture (RDC), Positive Pay, and online entitlements management. Customer care can help your authorized administrators add/remove users, set limits, enable dual control, and enroll in fraud protection tools. Expect an onboarding checklist that covers treasury agreements, token/app setup, and multi-factor authentication registration.

Operationally, it is best practice to submit ACH files at least one business day before the effective date and to approve them before your platform’s cutoff time to ensure timely settlement. For RDC, keep scanner model and driver version handy when requesting support, and store image retention logs according to your policy. For wire and ACH risk controls, use dual approval and call-back verification for new payees and large-dollar transactions, and reconcile daily using online reports.

Escalations, Complaints, and Formal Disputes

If an issue is not resolved on the first contact, request a case number and the expected resolution timeline. For account errors or unauthorized transactions, submit a written description through secure message or follow the instructions on your statement for mailing. Include dates, amounts, merchant/payee names, and any supporting documents; clear, complete information reduces back-and-forth and speeds resolution.

Escalate to a branch manager or a dedicated specialist if the matter is time-sensitive (for example, a large wire recall or an urgent mortgage payoff). If you believe a regulatory issue is involved, you can file a complaint with your state banking regulator or, for mortgage servicing topics, the Consumer Financial Protection Bureau (CFPB). Keep copies of all correspondence, statements, and confirmations; maintaining a timeline of contacts helps both you and the bank’s investigators.

Security and Fraud Prevention Best Practices

Sunflower Bank customer care will never ask for your full password, your full card number, or a one-time passcode that you did not initiate. Treat unsolicited calls, texts, or emails with caution—especially those that request urgent payments, gift cards, or wire transfers. Always verify the caller by hanging up and dialing the published number on https://www.sunflowerbank.com or on the back of your card. Enable two-factor authentication in Online/Mobile Banking and consider activating card controls and transaction alerts to catch unusual activity quickly.

If you clicked a suspicious link, change your banking password immediately, review recent transactions, and contact customer care to place enhanced monitoring or temporary holds where appropriate. If your Social Security Number or other sensitive identifiers may have been exposed, consider placing a fraud alert or credit freeze with the major credit bureaus and file an identity theft report at IdentityTheft.gov. Rapid, documented action within the first 24 hours significantly improves outcomes in fraud remediation and dispute recovery.

Do banks have 24 hour Customer Service?

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.

Is Sunflower Bank the same as First National Bank?

FirstSun had total consolidated assets of $8.4 billion as of June 30, 2025. First National 1870 is a division of Sunflower Bank, N.A.

Who owns Sunflower Bank?

FirstSun Capital Bancorp, headquartered in Denver, Colorado, is the financial holding company for Sunflower Bank, N.A., which operates as Sunflower Bank, First National 1870 and Guardian Mortgage.

What is the phone number for Bank independent 24 hour Customer Service?

(256) 386-5000
Immediate access may be regained by using the “Forgot your Password?” option or calling Customer Service at (256) 386-5000 or (877) 865-5050.