Online Banking

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Online Banking Agreement

How to Enroll | Accept Terms & Conditions

To enroll in online banking, please read the Online Banking Agreement and select "Accept" at the bottom of the page.

How to enroll in online banking?

Review carefully the terms of this agreement as listed below. Click on the “Accept” button at the end of this page to begin the secure enrollment process. By clicking on “Accept” you agree to the terms as listed. Farmers State Bank may alter these terms at the bank’s sole discretion and with reasonable notification as set forth by law and regulation. After completing the enrollment process, click the “Submit” button. 

FSB will send instructions through the method set forth in the enrollment process on how to access your account(s), along with a temporary password to use to access FSB Online. When accessing your account the first time, you will be asked to change your Access ID and password. Keep your password secret. You are responsible for keeping your password and account information confidential. If you allow others to access your accounts, you are responsible for any transactions they authorize from your accounts.

Services Offered

The following services are currently available through FSB Online:

Account Balance Information
View any of your FSB Checking, Savings, Money Market accounts, Certificates of Deposit, IRA Certificates of Deposit, and Loans.

Transaction Inquiry
View specific transactions for previous day, current day, previous statement or current statement.

Transfer Funds
Transfer funds among your FSB accounts or outside accounts using Zelle®.

Loan Payments
Make loan payments and draws among your FSB loans. Make a one-time loan payment or set up a recurring loan payment.

Stop Payment Form
You can submit a stop payment request by logging into online banking and selecting Stop Payments, or by contacting a Personal Banker at 319-377-4891.

Account Questions
Contact a Personal Banker at (319) 377-4891 with any questions regarding your accounts.

Privacy and Confidentiality

View our Privacy Policy.

How is Your Privacy Protected Online?

FSB Online Internet Banking system and the CheckFree bill payment system combine to offer the latest industry-approved security technologies to protect the data for our customers. This includes a password-controlled system entry, a VeriSign-issued Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate the inbound and outbound traffic. Additionally, our system requires access via a browser that supports 128-bit encryption, and all sessions are automatically logged off after period of inactivity and/or navigation away from the secured portal.

Visitors to the Farmers State Bank website remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: domain level name, the date and time you access our site; and the Internet address of the website from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via email or our feedback form. This information is used internally, as appropriate, to handle the sender’s request and manage the Farmers State Bank website. All information provided to the bank by customers and applicants will be used in accordance with our privacy policy and other applicable regulations. Visitors should, however, keep in mind email is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in online forms, or cancel an email before it is sent. Visitors should call us directly at (319) 377-4891 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers or social security number.

Protection from Access Compromise and System Intrusion

You agree that Farmers State Bank is not responsible for any electronic virus, malware, or other security compromises that affect your electronic devices and subsequently your access to FSB Online. You accept sole responsibility to monitor, scan, and keep safe all electronic devices from possible compromise, malware, and other intrusion threats. You should only use secure and malware free electronic devices and trusted internet connections. Additionally, you should keep secure and private your login and access credentials from compromise. Farmers State Bank will never ask you for your FSB Debit or FSB Credit Personal Identification Number (PIN), If you are asked for this information, please call (319) 377-4891 and report it to a customer service representative immediately. You should only use secure email to initiate any banking transactions or provide personal identifying information. Sending electronic messages to us through regular email is not protected by a high level of encryption.

Electronic Messaging and Notifications

Customers should send us general inquiries concerning maintenance and other issues via email at or through the contact us form on our website. We will send you notices, disclosures and other information required under the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board of Governors. We may send this information to you by, physical mail to the record of address, posting it on our website or by email. If you have given us an email address or postal address, we are entitled to rely on that address and assume that messages sent to that address are received by you, until you give us notice in writing or by email that the address is no longer valid. You agree that information we post to our website or send by email or regular postal mail will be deemed delivered at the time it is posted or sent. Information you send to us is deemed delivered when we receive and review it. If we send you a notice, disclosure or other message electronically and you wish to print it and are unable to do so, contact us at 319-377-4891 or send us an email and we will provide you with a paper copy.

New Services

From time to time, Farmers State Bank plans to expand the services we offer our FSB Online customers. When such services become available, we will update this agreement and notify you of the new service. By using FSB Online after the new services are available, you agree to be bound by the terms contained in the revised agreement.

Authorization to Charge Accounts

You are responsible for all transfers you or your authorized representative make using FSB Online. You authorize us to debit your designated account(s) for any transactions completed with FSB Online. You agree that we may comply with transfer instructions entered by any one person using an authorized Access ID and Password, regardless of the restrictions placed at the account level.

If you permit another person to use FSB Online or give them your Access IDs and Password, you are responsible for transfers or advances that person makes from the deposit and loan accounts linked to your online application even if that person exceeds your authorization.


Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

Restrictions on Transfers from Savings and Money Market Accounts

Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may make no more than six transfers or withdrawals out of such an account per statement cycle (not counting transactions made at ATMs, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If you exceed the restrictions more than three times during a 12-month period, we may close the savings or money market account and transfer the funds to a checking account.

Correcting or Canceling Your Transfer

You cannot cancel your transfer after it has been entered in FSB Online and the information transmitted to us. You can correct information about a transfer before you send us the information, and you can use FSB Online to reverse a transaction after it has been entered.

Documentation and Verification of Transfers

The date and amount of transfers made through FSB Online will be shown on the Online banking screen and will also be shown on your printed statements for the accounts from which and to which the transfer is made. Online banking transfers made prior to 6:00 pm will be posted the same business day.

Address and Telephone Number for Notification of Unauthorized Use

If you believe your Access ID and/or Password have become known by an unauthorized person, or that someone has transferred money without your permission, call Farmers State Bank immediately at: (319) 377-4891 or email us at

Your Liability for Unauthorized Use

Tell us immediately if you believe your Access ID or Password has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Telephoning is the best way to keep your possible losses to a minimum.

If you tell us within two business days after you learn that your Access ID and Password have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person used your personal codes without your permission to process a transaction. If you do NOT tell us within two business days, and we can prove that we could have stopped someone from using your Access ID or Password without your permission if you had told us, you could be liable for as much as $500.00.

Also, if your statement shows electronic funds transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time period. Every day is a business day except Saturdays, Sundays, and Federal holidays.

Farmers State Bank’s Liability for Failure to Make Transfers

If we do not make a transfer on time, or in the correct amount according to your instructions, we will be liable for your proximately caused damages. However, there are some exceptions. We will not be liable, for instance, if:

  1. Through no fault of ours, your account does not contain enough money to make the transfer.
  2. The transfer would exceed the balance in the deposit account you use for overdraft protection, or the credit limit on your overdraft checking line of credit, or the line has been closed.
  3. Your computer, the software, phone lines, or the bank's computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer.
  4. Circumstances beyond our control prevented the transfer, despite reasonable precautions that we have taken. Such circumstances include telecommunication outages, postal strikes, fires, floods and other natural disasters.
  5. We have placed a "hold" on funds in your account or remitted funds to another party with your knowledge, pursuant to reasonable business procedures, or in compliance with legal process such as a garnishment, tax levy, court order, etc.
  6. We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
  7. We have a reasonable basis for believing that unauthorized use of your Access ID, Password, or Account has occurred or may be occurring; or
  8. You or we have terminated your FSB Online banking Agreement or closed the account.

Error Resolution

Click here to view the error resolution disclosure.


Farmers State Bank does not charge a fee for setting up, maintaining or using our FSB Online banking service. It is provided to you free of charge and we will gladly answer your questions or concerns. Online services that involve a fee such as a stop payment request will be charged the standard fee.

Termination or Discontinuation

In the event you wish to discontinue using FSB Online, contact FSB in writing or send us an electronic mail message. We may at any time terminate your FSB Online banking service. We will mail notice of termination to you at your address as shown on our records.

Accept the Online Banking Agreement


All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

For your banking needs, log in through online banking or use FSB's mobile banking app, FSB Now.

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