Welcome to FSB Online!
Now you can have a branch wherever there is an internet connection. Whether you are at home, the office, a hotel room or wherever you travel, you can easily access your Farmers State Bank (FSB) accounts.
Before starting enrollment, please read the Access Agreement and Disclosures below.
How to Apply
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. We 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.
The following services are currently available through FSB Online:
Account Balance Information
Stop Payment Form
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.
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.
Customers should send us general inquiries concerning maintenance and other issues via email at firstname.lastname@example.org 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.
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.
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.
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.
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.
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.
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 email@example.com.
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.
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:
In case of errors or questions about your electronic deposit transactions, call the Bookkeeping Department at Farmers State Bank immediately at 319-377-4891, toll free at 1-888-461-0821, email firstname.lastname@example.org or write to:
In case of errors or questions about your electronic loan transactions, call the Loan Operations Department at Farmers State Bank immediately at 319-377-4891, toll free at 1-888-461-0821, email email@example.com or write to:
If you think your statement is wrong or if you need more information about an electronic transaction listed on the statement, contact us as soon as possible. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared, and you must:
If you tell us verbally, we may require that you send your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally recredit your account within 10 business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 days, we may not provisionally recredit your account.
If you are a new customer, for electronic funds transfers occurring during the first 30 days after the first deposit is made to your account, the applicable time periods for action by us are up to 20 business days (instead of 10) and 90 calendar days (instead of 45).
If we determine that there is no error, we will send you an explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
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.
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.