Frequently Asked Questions

FSB Connect is Farmers State Bank’s Digital Banking Suite consisting of Online Banking, Mobile Banking, Text Banking and Telephone Banking.

No, your username and password will stay the same. However, you will receive a two-factor authentication code that will need to be entered before you can access your Online or Mobile Banking account.

Your username and password will remain the same, however, the new app will require you to setup a 4 digit passcode. You can either use this 4 digit passcode or Face ID on your smartphone.

Two Factor Authentication is a security measure that allows you to request a one-time access code to log in to digital banking. The code enhances the security by creating an added layer on top of your unique username and password. This security process helps to verify you and better protect your credentials and the accounts you can access.

Yes, unless you select the “Remember Me” box which is on the page you enter the code. We suggest you only do this on your personal device, not a public device. This code is only active for 3-6 minutes. If the code expires, a new code will need to be requested.

Yes, your transaction and eStatement history will be the same. No changes will be made to the history on your account.

Yes, any transfers scheduled with Online or Mobile Banking prior to or after the upgrade will be transferred as scheduled.

No, you will not need to re-enroll.

No, the Farmers State Bank website URL will stay the same.

Mobile Deposit allows you to take a picture of a check and deposit it into your account via our Mobile Banking iPhone or Android app. This eliminates the need for a trip to the bank and the use of a deposit ticket.

Simply log in to our Mobile Banking app and click Mobile Deposit. The first time you access Mobile Deposit, you will be prompted to enroll by answering a few questions and accepting the disclosures.

Farmers State Bank Mobile Deposit is provided at no cost to our customers. Data or message charges by your mobile phone carrier may apply and are the responsibility of the mobile phone owner.

The cutoff time for Mobile Deposit is 5:00 pm EST Monday through Friday excluding Federal Holidays. Deposits will be memo posted to your account around 11:00 am EST and 5:00 pm EST Monday through Friday excluding Federal Holidays.

You may deposit checks via Mobile Deposit into enrolled checking and savings accounts.

After you have received confirmation of your initial enrollment in Mobile Deposit, you can go do Deposit Checks within your Mobile app, click on the Accounts tab, select Enroll another account and then the account you’d like to enroll

New Mobile Deposit customers will have a per day limit of $2,500. Once you are an established Mobile Deposit customer, the per day limit may increase to $5,000 for consumers, $10,000 for Small Businesses, and $50,000 for Large Businesses.

Currently, you cannot split a check between 2 accounts via Mobile Deposit. Please deposit the entire check into 1 account and then transfer money via the Mobile App to the other account.

You cannot deposit foreign checks, bonds, 3rd party checks, returned or re-deposited checks, or rebate checks via Mobile Deposit. Money orders may be rejected if the image is not clear.

Please legibly sign the back of the check and print For Mobile Deposit Only Farmers State Bank on any check deposited via Mobile Deposit.

Farmers State Bank Bill Pay Service allows customers who have established an Online Banking relationship to pay bills or make payments directly from their checking account via the internet.  Bill Pay eliminates the need to purchase and write checks and lessen the need for stamps.

First, you have to be set up for Farmers State Bank Online Banking. Applications for Online Banking are available at any Farmers State Bank location, as well as, the FSB website under the online banking tab. To sign up for Bill Pay, log on to your Online Banking account, click the Bill Pay tab and follow a few simple steps.

No. Federal regulations greatly limit the number of certain electronic transactions, including Bill Pay payments from savings accounts; therefore, Bill Pay may only be used with CHECKING accounts.

A payee is the issuer of a bill that is due to be paid by you.

Clicking “add payee” at the top of the payments page will walk you through a one time, step-by-step setup process to gather key information used to send your payments.

Clicking the icon to the left of the payee name will hide the payee from the current view in the payments page. Any scheduled transactions and notifications for this payee will not be affected by hiding the payee.

Use the "Hidden" link located within the "Display" section of the payments page to access your hidden payees. Clicking the icon to the left of the payee name will remove the payee from the "Hidden" view and return it to the applicable display within the payments page. Any scheduled transactions and notifications for this payee will not be affected by showing the payee.

Categories allow you to group your payees for customized listings, whether you’re scheduling payments, viewing pending transactions or researching your transaction history. You can manage your categories under My Account and assign a payee to a category when adding or editing them.

No. Comments are for your personal use only and will not be sent with your payment.

When adding payee, choose the “pay an individual” option. Whether you have their deposit account information or not, there are options readily available to send your payment.

No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.

Memos are available for use when there is additional information about the payment you need to disclose. (example: adding “apply extra payment to principal” on a mortgage payment)

To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

Yes. You can view all your scheduled payments by clicking the “view more” link located in the “Pending” section of your payment page or the “view pending transactions” link available below the schedule payment section of your payment page.

Yes. You may edit or stop a payment prior to 3:00 PM EST on the date the payment is scheduled to process.

Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay.

Your transaction history will allow you to report transactions up to 18 months from the current date.

A payee limit is set to ensure your payments are processed as efficiently as possible.

eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.

Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.

Autopay will schedule a payment for you when your new eBill arrives based on your preferences.

A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply.

If you have a bill that’s too close for comfort to the due date, you can use the “Rush Delivery” link to select a guaranteed delivery option.

Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.

Transfers are electronic transactions that move money from one deposit account to another.

Yes. Click ‘Add Account’ under Transfers to begin the account setup process. Once the setup process is complete, you can schedule transactions to move funds from your financial institution to an account at another financial institution.

A Pay From account can be added by accessing “My Account” and clicking the “Add Account” link located in the pay from account section.

A Pay From account can be edited by accessing “My Account”, clicking the “View Account” link and clicking “edit” next to the pay from account.

The Message Center is a location within bill pay where communication regarding your account or payments can be shared securely.

Messages are retained for 180 days from the date the message was received or sent and will be systematically deleted after that time elapses.

Click “My Account” and use the “view alerts” link under the “Bill pay alerts” section of the page to set the notifications preferences within your bill pay account. To add a reminder from the payment page, click the payee name and use the “add reminder” link to have notifications sent to your phone or email when a payment is due.

If there are actions required, the “attention required” indicator will appear to notify you and provide links to help you resolve the items.

The Payment Calendar is a monthly snapshot of transactions that are pending or processed. You can access pending payment or payment history by clicking the transaction totals displayed on any given day.

A Health Savings Account (HSA) is designed to help eligible individuals with a High Deductible Health Plan (HDHP) save for qualified medical expenses on a tax-advantage basis. An HDHP is a health insurance plan that generally offers lower premiums in exchange for a higher deductible. Individuals can save by contributing money saved on premiums to their HSA and then using that money to pay for medical expenses.

Eligible individuals are those who:

Various factors specified by the Department of Treasury, such as deductible amount and annual out-of-pocket expenses, help to determine whether an insurance plan is a qualified HDHP. To find out if your insurance plan is a qualified HDHP, contact your insurance company, agent or broker.

You’re only allowed to have auto, dental, vision, disability and long-term care insurance at the same time as an HDHP. You may also have coverage for a specific disease or illness as long as it pays a specific dollar amount when the policy is triggered. Wellness programs offered by your employer are also permitted if they don’t pay significant medical benefits.

In general, you can contribute up to the amount of the maximum limit set by the Department of Treasury. Other factors that may affect your contribution limit include the number of months in which you were covered by an HDHP during a given year, whether your HDHP is “self only” or “family” coverage, and your eligibility for catch-up contributions. You can contribute to your HSA in a lump sum or in any amount and frequency you wish until you meet your maximum annual limit.

Yes, individuals age 55 and older who are covered by an HDHP can make “catch-up” contributions each year in amounts set by the Department of Treasury until they enroll in Medicare.

Contributions to your HSA can be made by anybody, including you, your employer, family members, or from a combination of sources. All contributions are aggregated to determine whether you’ve contributed the maximum allowed.

No, it’s your responsibility to keep track of the amounts deposited and spent from your account, just like a normal savings or checking account.

Yes, you may withdraw funds to pay for the qualified medical expenses of yourself, your spouse or a dependent without tax penalty.

How do I know what is included as a “qualified medical expense”?

Online Banking utilizes several layers and types of security. All financial transactions are sent using Secure Socket Layer (SSL) protocol to ensure that all data is adequately encrypted. In order to prevent unauthorized access to your accounts we use a time-out feature, which requires the user to log in again after a 10-minute period of no activity. Additionally, you will be locked out if more than three unsuccessful attempts are made to access your accounts. Suspicious activity for all account access is logged and monitored regularly. Remember that as long as you are logged in, anyone at your computer can access your accounts. Always log off after each banking session.

Online Banking allows our customers secure and convenient access to their accounts using the Internet, day or night, any day of the year. Here are some of the convenient functions available with Online Banking:

You will need to contact Farmers State Bank Internet Banking Services should you forget your password/pin. After three unsuccessful attempts at logging in to Online Banking, your account will be “locked”. You may call (260) 463-7111 or (888) 492-7111 during regular business hours, Monday through Friday for assistance.

Go to: Options tab (to manage & organize your online account information)
This page gives you the option to change your password/pin or banking ID (Alias), change email address, change account names, change display options and more.

We recommend that each account owner have his or her own Banking ID and password. Remember however that each owner will have access to joint accounts. Make sure that transactions such as transfers, loan payments and bill payments are communicated to avoid double entries.

Yes, go to: Options (to manage & organize your Online account information)
This page gives you the option to change your password/pin or banking ID (Alias), change email address, change account names, change display options and more.

Yes. Federal regulations limit the number of automated transfers from your savings account to your checking account to six per month. These transfers also include transactions such as 24 Hour Touch Tone Banking transfers, transfers requested by telephone, ACH transfers, and sweep transfers to cover overdrafts. Transfers to make loan payments are not included.

If you are a new Online Banking user, your account statements may not yet be available. Your statements must cycle after you become an Online Banking user for them to be available for viewing. After three statements have cycled, you will be able to view the three previous statements.

If you are experiencing a problem with Online Banking or have a question, you may contact Farmers State Bank Internet Banking Services at (260) 463-7111 or (888) 492-7111 by phone during regular business hours or you may e-mail us at info@FarmersStateBank.com.