What is the difference between an Express & Scheduled Transfer?

After submitting an Express Transfer, it will show immediately on your online banking and is a ONE TIME transfer.

 

A Scheduled Transfer can be scheduled in advance and can be recurring. This type of transfer will not show on your online banking until after the system updates at night. For example, if you create a scheduled transfer for Tuesday, it will not show on your online banking until late Tuesday night and will post for Tuesday’s business.

 

Both types of transfers must be submitted by 3:00pm CST for it to be processed on the same business day. Transfer submitted after 3:00pm CST will be posted on the next business day (or on the scheduled transfer date if it is a future-dated transfer).

 

How do I get a bank statement if I am enrolled for paperless statements?

You can access up to 18 months of statements using FSB Online Banking. Online Banking contains an electronic copy of the exact statement you would have received in the mail.

 

You can access your statements by logging in to your online banking account and selecting the account number you wish to view. From this screen, look for the menu button entitled “Statement”. Select the document type you wish to view and adjust the Date Range if desired. Then click “Submit”. You may then click on the hyperlink of the Statement you wish to view or click on the Save icon.

 

Why am I having problems opening my statement online?

FSB Online Ban king requires Adobe Acrobat to view statements online. If you do not have Adobe, or have an outdated version, visit www.adobe.com for a free download of Adobe Reader. If you continue to have problems after downloading the newest version of Adobe Reader, please contact one of our Customer Service Representatives.

 

How do I export transactions from my online banking?

You have access to 18 months of transactions that can be exported into Quicken, Quickbooks, Microsoft Money, or Excel.

 

1. Log into online banking

2. Click on the account you wish to view

3. Under the Transactions menu, select All Transactions

4. A popup box will appear with the heading “Transaction Activity”. On the bottom left side of the Transaction Activity box (above “Pending Activity”), you will see a hyperlink for Export Transactions, click on this link

5. Select the date you wish to export, or select Custom and enter a specific date range

6. Select the Export Format

7. Checkmark the account(s) you wish to export transactions form

8. Click Export

9. Once the Export Status shows 100%, click Download Export

10. Choose whether to open the file or save it to your computer

Can I set up alerts on my account?

Yes. Alerts can be setup to send an email or text message when certain activity occurs on your account. A few examples are alerts when a deposit is received, debit card transactions post, your account balance falls below a certain dollar amount, a loan payment is due, and more.

 

To see the full list of available alerts or to setup an alert:

 

1. Log into your online banking

2. Click on the “eAlerts” tab

3. Select the account type you wish to receive an alert

4. Click “Setup New Alert”

5. Select the appropriate alert from the drop down menu & follow the page prompts

 

Why should I use FSB Mobile?

FSB Mobile provides you with a real-time convenience that cannot be matched by any other service. You will be able to access your account information, transfer money between accounts and find the nearest branch/ATM location, all from the palm of your hand.

 

Is there any cost for FSB Mobile?

FSB does not charge a fee for accessing your accounts in FSB Mobile Banking. Some features of FSB Mobile Banking may incur a fee – fees will be disclosed when these features are used.

 

• Message and data rates may apply – check with your mobile carrier for information about their fees.

Is FSB Mobile safe?

Yes, your smart phone has a very controlled and secure operating system. Additionally FSB Mobile uses the same secure features as Online Banking:

 

• 128 Bit SSL Encryption, which basically encrypts and protects any transmission of data including customer account information

• Firewalls, which protect against unauthorized or malicious intrusion

• Username and Passwords are required to access you accounts. Your FSB Mobile account will be locked after multiple invalid attempts to prevent unauthorized access.

What if my phone is lost or stolen?

You can contact one of our Customer Service Representatives to have your phone disabled from FSB Mobile. Regardless of what you do, rest assured that your mobile banking access will remain safe and secure!

 

• No personal information from your Mobile Banking account is ever stored on the phone.

• Your password is never stored.

• Your login session automatically times out in less than 10 minutes of inactivity.

 

I already have FSB Online, why would I want FSB Mobile?

Convenience is the main benefit of FSB Mobile. Plus, FSB Mobile offers access to your accounts without needing an internet connection.

 

Why do I need FSB Online in order to use FSB Mobile?

FSB Online provides you with a suite of account management – balance & transaction information, transferring money, bill payment, access to view/print statements, and more. FSB Mobile accesses the basic capabilities of electronic banking: balance & transactions, transfer money, pay bills and person-to-person payments. Your FSB Online credentials are used to access FSB Mobile.

 

How do I report a lost or stolen Debit Card?

It is important to notify Farmers State Bank immediately upon noticing your card is lost/stolen. To notify the bank after hours, contact 1-800-472-3272. During banking hours, contact our Customer Service Representatives or visit any Farmers State Bank branch.

 

Do I need to notify FSB that I am traveling?

Yes, fraud prevention tools are in place which could impact your ability to use your card. If you are going to be traveling to a different state or country, it is very important that you notify us prior to leaving and update your contact information in case issues arise with a card purchase. If you forget to notify us prior to leaving, simply contact one of our Customer Service Representatives during your travel.

 

Do I need to notify FSB that my Debit Card is about to expire?

No. A new debit card will be automatically ordered at the beginning of the expiration month. It will be sent through the mail and should be received before the month’s end. Your card will be valid through the end of the expiration month. It is important to watch your mail closely during the expiration month – your new card will be mailed in a generic envelope that does not list the bank’s name and may be confused with junk mail.

 

If you have not received your new card by the end of the expiration month, please notify one of our Customer Service Representatives at your local FSB branch.

 

How do I select a new PIN for my Debit Card?

You can select your own PIN by calling 1-800-472-3272, choose option #1 (Card Activation). You will need to have your debit card number, security code, expiration date, and the last four digits of the cardholder’s SSN ready for verification. You will then be prompted to choose a new PIN.

 

When will I receive my new Debit Card?

If your card is expiring this month, a new card will be automatically ordered at the beginning of the expiration month. It will be sent through the mail and should be received before the month ends. If you do not receive your new card by the end of the expiration month, please notify the bank. It takes approximately 7-10 days for your new card to arrive once it is ordered. When expecting a new card, watch your mail very closely, your card will arrive in a generic looking envelope that does not list the bank’s name and may be confused with junk mail.

 

How does a Debit Card work?

Using a FSB Debit Card is similar to making purchases with cash or check, only it’s safer and more convenient. When you use your Debit Card funds are automatically debited from your FSB checking account, usually within one to four days. These transactions will appear on your account statement for easy record keeping and budgeting.

 

Where can I use my Debit Card?

Your FSB Debit Card can be used anywhere worldwide that accepts MasterCard debit. Use your card for purchases in store, online, by phone, or at the gas pump. Access cash by requesting cash back with your purchases in store or at any ATM.

 

*Make sure to notify the bank if you are going to be traveling to a different state or country. Fraud prevention tools are in place which could impact your ability to use your card if the bank is not notified prior to your travels.

 

May I request more than one Debit Card for the same account?

Each account owner or signer is allowed to have one card per account.

 

Are there any fees for using a FSB Debit Card?

There are no debit card fees for making purchases with your card, getting cash back with a purchase, or when using an FSB ATM. However, fees will be assessed when a card is used at a non-FSB ATM.

 

Does FSB have a Debit Card monitoring tool?

Yes. FSB offers Card Management, a free mobile app that helps you monitor when, where, and how your card is used. Through the app, Card Management allows you to temporarily “turn off” your debit card if it has been lost or stolen. When Card Management has turned off the card, no purchases or ATM withdrawals can be made, although automatic deposits and bill payments remain active. If your debit card is found, you can simply turn your card back on.

Some Card Management users treat the function as a default security feature, keeping their debit card turned off until they are ready to use it, and then returning the setting to "off" after making a purchase.

 

What is a chip card?

Chips cards (also known as EMV cards) are debit cards embedded with a microprocessor chip in the front of the card. The chip provides an added layer of security when used in person at a chip-enabled terminal.

 

Note: The chip technology does not work if you swipe your card’s magnetic strip, provide the cashier with your card number, pay online, or pay by phone.

 

Do all retailers accept chip cards?

Not all retailers have chip card readers. To ensure you can use your chip card at any retailer, it will continue to have a magnetic stripe on the bank of the card. If the retailer is not-enabled, you will simply swipe your card using the magnetic stripe.

 

How do I pay at a chip-enabled terminal?

If you have a chip card, you will insert your card at the top or bottom of the terminal and follow the on-screen prompts.

 

Will the Chip prevent fraud?

Chip technology provides an added layer of security that helps reduce the chance of fraud when used in person at a chip-enabled terminal. It does not have an effect on fraud resulting from the card being used online, by phone, or at a terminal that is not chip-enabled.

 

What happens if I have fraud on my card?

Immediately contact a Farmers State Bank Customer Service Representative to discuss the transactions.

 

What documents are required to open a new account with FSB?

All Customers

• Valid Photo ID (non-expired driver’s license, military ID, non-driver state ID card)

• If current address does not match Photo ID: Address verification (e.g. utility bill)

• Tax ID Number (SSN or EIN) physical card not required unless a minor

 

Additional Documents:

Trust Account

• Trust Tax ID Number

• Copy of Trust

 

Corporation

• Articles of Organization

• Certificate of LLC

• Operating Agreement

 

Limited Liability Company (LLC)

• Articles of Organization

• Certificate of LLC

• Operating Agreement

 

Partnership

• Partnership Agreement

• Certificate of Partnership

 

Organizations/Associations

• Most recent Meeting Minutes showing who the officers are

 

How do I request a stop payment and how much does it cost?

The cost to stop payment on a check is $25.00 per stop. Stop payments are valid for 6 months. You may request a stop payment by logging into FSB Online or contact one of our Customer Service Representatives at your local FSB branch.

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