Welcome, Guest to Farmers State Bank

Frequently Asked Questions

Questions about FSB's Online Banking service? Not sure how to get started? We've put together a list of frequently asked questions to help you get immediate assistance. If you don't find the information you're looking for, or if you'd like to suggest a question to add to our list, please contact us.


Online Banking

With FSB Online Banking account access, you can view your Farmers State Bank account information from a computer or mobile device with Internet access by entering a Username and a password that you choose. Simply log in using the form on the homepage. For first-time users, sign up and complete the online enrollment as prompted.

General Information

Q. What is Online Banking and how can I use it?

A. FSB's Online Banking service provides round-the-clock access to your Farmers State Bank accounts, allowing you to transfer money between accounts, reconcile your statement, download transactions, view check images and much more.

Q. How much does Online Banking cost?

A. Our Online Banking service is completely FREE!

Q. Which accounts can I access?

A. You can access all of your Farmers State Bank checking, savings, loan and CD accounts. If you are a small business owner, you may also qualify for Online Banking free of charge. Simply call us at 319-377-4891 or contact us for additional information.

Q. Can I access my accounts from more than one computer?

A. Yes. Using a browser with industry standard encryption, you can log in from a computer or mobile device anywhere with Internet access. Simply enter your Username, answer your security questions if prompted and enter your password to access your Farmers State Bank account(s).

Q. How current is the information I see while using Online Banking?

A. The information is real time, online data so you always have access to your most current information.

Q. How far back can I view or export my transactions on Online Banking?

A. Transaction history beginning in July, 2013 is available for viewing and downloading, and eventually will go back seven years. Check and deposit images are available for three years.

Q. Why can't I view all of my accounts online?

A. There are a variety of reasons why certain accounts may not be available to view online. If you feel there is an error please contact your Personal Banker.

Q. Are there any times when Online Banking is not available?

A. Although minimal, there are times when Online Banking is taken offline for maintenance. We make every effort to post a notice in advance to let you know when the system will be unavailable for an extended period of time.

Q. Can I speak to a live person if I have problems?

A. Yes! You may contact us at 319-377-4891 during normal business hours, or use our Contact Us form.

Q. Should I use a particular Internet browser for banking online with FSB?

A. Here is a list of supported browsers:

  • Apple Safari 7+ (Mac OS and Apple iOS)
  • Google Chrome (Current version)
  • Internet Explorer 11
  • Mozilla Firefox (Current version)
  • Microsoft Edge

Passwords and Security

Q. How secure is FSB Online?

A. FSB's Online Banking system offers the latest industry-standard security technologies to protect the data for our customers. This includes a password-controlled system entry, a digital certificate issued by a certified authority for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to regulate the inbound and outbound of our server traffic. Additionally, our system requires access via a browser that supports industry standard encryption, and all sessions are automatically logged off after 20 minutes of inactivity. It is critical to your security that you do not share your login information with others. We also suggest you periodically change your password.

Q. How do I change my password?

A. While logged into Online Banking, click on "Profile". In the Password section, click on Edit and follow the directions.

Q. Can I change my Username?

A. The system does not provide the option to change your Username; however, an FSB Personal Banker can change your Username if you wish.

Q. What if I forget either my Username or password?

A. If you forgot your password, click on Password Help on our home page under the Login button and follow the prompts. Your password will be emailed to you. You must contact a Farmers State Bank representative to obtain your Username. Just call 319-377-4891 for assistance.

Q. I received a message that I was automatically logged out due to inactivity. What does this mean?

A. For your protection, our system will automatically and securely log you off after 20 minutes of inactivity.

Q. Does Farmers State Bank have a privacy statement?

A. Yes, view our Privacy Policy. If you have questions regarding our privacy statement, please contact us.

Q. What are the limitations on transferring funds between accounts with Online Banking?

A. You may only transfer money between accounts that are shown in your Online Banking session after you log in. In addition, the funds in your account must be available in order to make a transfer, and there are regulatory requirements limiting the number of transfers from savings or Money Market accounts to other accounts to six per month.

Q. How long will it take for an Online Banking transaction to post to my account?

A. Since our system is real-time, transactions post immediately. However, funds from your deposits may not be available immediately. Funds availability for cash withdrawals, transfers and check payments depends on the type(s) of deposit(s) made. For more information, please refer to the disclosures provided to you at the time you opened your account.


Q. Can I cancel a transfer once it has been confirmed?

A. Once confirmed, transfers cannot be cancelled. We suggest you use the Online Banking system to move the funds back to the original account. If you schedule transfers for the future, you can modify the future transfers within this area. You may also contact an FSB Personal Banker to have a transfer removed by calling 319-377-4891 during normal business hours.

Q. How can I confirm that the transfer went through?

A. The system will provide you with a confirmation number. In addition, in the transactions section of the account, you can confirm that the transfer was completed. Transfers completed after 6:00 PM will post the following business day.

Q. I have money in my account, but my transfer was denied because of insufficient funds. Why?

A. Your account balance may reflect funds that are not yet available (either from a recent deposit or a hold on your account.) To learn when those funds will be available, please contact an FSB Personal Banker at 319-377-4891.


Q. Can I find the current pay-off amount for my loan online?

A. The Online Banking system gives you an approximate pay-off amount. You must contact your Personal Banker for the exact payoff amount.

Downloading Transactions

Q. Can I import my personal account transactions into financial software packages such as Quicken® or Microsoft® Money?

A. Yes, our Online Banking service supports software formats for Quicken, QuickBooks, Microsoft Money and spreadsheet programs. Simply click on "Download" or "Export Transactions" in the "Download" or "Categorize" area, select the appropriate range of information, choose the export format and click on "Export".

Online Check Images

Q. Is there a charge for viewing check images online?

A. You may view your online check images FREE through Online Banking.

Q. How do I sign up for online check image viewing?

A. You don't have to sign up! Online check image retrieval is automatic when you sign up for Online Banking. It is available with all checking accounts, even if your account is truncated.

Q. Can I view all of my checks in Online Banking?

A. You will be able to view all checks for which we have captured an image. Occasionally images for certain checks will be unavailable as a result of problems with scanning that particular check.

Q. Will I be able to see the front and back of the check?

A.Yes, both sides will be available.

Q. When I try to retrieve a check image I get a message that says, "Image Cannot be Retrieved at This Time." Why can't I see any images?

A. If you are unable to retrieve your check images, we may have taken our image system offline for a short time. Please try back later. If you are unable to retrieve one specific image, please contact your Personal Banker at 319-377-4891.

Q. How soon after a check has cleared my account can I expect to see the image online?

A. Most images will be available the next business day. Items with a pending status will be unavailable.

Q. How long will my check images be available online?

A. Our Online Banking system allows you to see images for up to three years. If you need to retrieve a copy of an earlier check please call your Personal Banker.

Q. Is a check image as good as the original when proof of payment becomes necessary?

A. In most instances a copy of your cancelled check is as valid as the original when proof of payment is necessary. In those rare instances where it is not, please contact your Personal Banker.

Error Messages & Common Topics

What do the different error messages mean?

Here are some common error messages you may receive:

  • We were unable to log you in. Try again or contact customer support 
    When you get this message it could mean one of two things. First, it could mean that you are using the correct Username but the wrong password. Or you are attempting to log in with and incorrect Username. In either case, please call FSB at 319-377-4891 and an FSB representative will assist you.
  • For security reasons, your session has ended. Log in again
    If you receive this message when you attempt to log in, it usually means you have disabled the cookies on your browser. To use FSB's Online Banking you will need to enable "cookies" on your browser.
  • There are not enough funds available in your account to complete this transaction
    The amount you are attempting to transfer is more than what's available in the account.
  • Your account has been disabled. Please contact your financial institution for more information
    You have attempted to log in with incorrect credentials three times. For security reasons, the system will lock your account. Please call 319-377-4891 and a Farmers State Bank representive will enable your account.
  • Your account information is not available at this time. Please try again later
    This message might appear if the Online Banking system is undergoing maintenance.
  • Your request could not be completed at this time. Please try again later
    Again, this message might appear if the Online Banking system is undergoing maintenance.
  • All of my accounts are not appearing when I log into Online Banking.
    Please contact an FSB Personal Banker, who will verify that your accounts are coded properly.

Error messages you may receive when enrolling:

  • A user has already enrolled with these credentials. Contact Customer Support
    You are already enrolled in Online Banking. Please contact a Farmers State Representative for assistance.
  • The Username you entered cannot be used. Please enter a different Username
    Another customer is already using this particular Username. Since they must be unique, please enter a different Username.

Additional Browser Tips

View the PDF below for more information and tips specific to the browser you are using.

Online Banking Managing Browser Cookies

FSB CheckFree Bill Pay

General Information

Q. How much does it cost to pay my bills using CheckFree through Farmers State Bank?

A. FSB's online bill payment is completely FREE - as long as you pay at least one bill each month. Of course, you can pay as many bills each month as you'd like - there's no limit! In months that you do not use the service, a $3.00 inactivity fee will be assessed to your account.

Q. How do I sign up for CheckFree Bill Pay?

A. Already an FSB Online Banking customer? Simply log onto Online Banking. Click on the checking account you want to pay your bills from, and click on the "Pay My Bills" link. A "Terms & Conditions" agreement for our bill payment service will appear. To agree to the terms, click on the "Accept" button which will allow you to begin using our free bill payment service.

B. Not yet signed up for Online Banking? Just click the "Enroll" link under the Online Banking login on our home page and follow the instructions. Then follow the directions in "A" above to access our free bill payment service.

Q. How secure is Bill Pay?

A. FSB’s online Bill Pay uses several methods to ensure that your information is secure:

      • User Name and Password
        Your Online Banking Username and password are unique identifiers that only you know. The security of your account depends on you NOT sharing your Username or password with anyone else.
      • SSL and Encryption
        Our Bill Pay uses SSL (secure sockets layer) and encryption which ensures that your connection and information are secure from outside inspection.
      • Automatic Sign Out
        Our system automatically signs you out of a session if you are inactive for several (usually ten) minutes. You will be prompted with a message that your webpay session has timed out. It is best if you sign out immediately after you are finished using Bill Pay.

Q. What if I have a bill payment question or problem?

A. Our bill payment support staff has an exceptional reputation in providing customer support to our users. Simply inquire about the bill(s) in question while logged onto our bill payment system, or call toll free at 877-741-5197. Make sure you have your checking account number handy when you call.


General Information

Q. What is Popmoney?

A. Use Popmoney to pay anyone you know, or anyone you owe! It’s the easy way to send and receive money directly from your FSB account. It’s safe and secure and all you need is an email address, mobile phone number, or bank routing and account number.

Q. What do I have to do to use Popmoney?

A. You will access Popmoney through your online bill payment session here at Farmers State Bank. Click on the tab called “Popmoney.” Send money to anyone using their email address, mobile number or account information.

Q. Some of my friends and family bank outside the “network” and have to go to popmoney.com. What will this mean for them?

A. People who do not use a bank or credit union in the Popmoney network can use the Popmoney service at the www.popmoney.com site (terms and conditions apply). There, they can send and receive money just as you do here at FSB. They can use the “Quick Deposit” feature to deposit the payment without going through the full enrollment process. You can even send money directly to a financial institution account, so your recipient doesn’t have to do anything.

Q. What are the features of the Popmoney service?

A. List of features:

      • Personalize your gift payments with an e-greeting template
      • Set up future-dated payments and recurring payments
      • Import contacts from popular email services (such as Hotmail®, Yahoo!®,Gmail®)
      • Send money using an account number, email address or mobile number
      • Respond to Popmoney activity, including depositing payments and paying requests
      • Receive money by simply verifying an email address or mobile phone number (without formally enrolling)
      • Access one of the largest person-to-person payment networks for financial institutions, with thousands of participating banks and credit unions.

Q. How secure is Popmoney?

A. From the moment information is sent to Popmoney to the time it is stored and accessed again, it is encrypted using industry leading software, hardware and algorithms. Security is also utilized at specific points and actions in the product. For example, to help prevent an unauthorized person from fraudulently depositing someone else’s payment, one-time verification codes are used. For every initial payment to a new email address or mobile phone number, a verification code is sent to the user. The user must provide that code back to Popmoney to verify his or her “ownership” of that mobile number or email address before the payment can be deposited.

Q. How fast can I send and receive money with Popmoney?

A. With Popmoney, a recipient can receive money in as little as one business day; however, in some cases it may take longer. For example, if you send an email or mobile payment and the recipient is not yet registered for Popmoney, he/she must sign up for the service so that we have their account information to deposit their payment. Also, if you exceed your next-day payment limits, then your payments will be sent using standard delivery or three (business) day service. Limits can and will vary. For your protection, limits have been created on how much money and how many payments can be sent during various time periods.

Q. How are payment limits handled?

A. Limits may vary by user and financial institution. Limits apply to the amount you can send per transaction, per day and per month, as well as to total outstanding payments. You can always check your limits by going to the “Send Money” screen within the Popmoney service and clicking on “View Limits” next to the “Amount” field.

More questions about Popmoney?

If you have additional questions, while on the Popmoney tab, select Popmoney Help on the right side of the screen.


With FSB eStatements, you can view/save/print your Farmers State Bank account statements from any computer with Internet access through our secure Online Banking site. To view your eStatements, while in your account, select the Documents tab.

eStatement Auto Enrollment
When you log into Online Banking, and you have accounts that are not currently signed up for eStatements, you will be prompted to enroll. Simply check the box next to the account for which you would like to receive eStatements. Then click on the Electronic Statements Terms and Conditions and note the confirmation code. Check that you have read the Terms and Conditions, enter the confirmation code and save. You will receive a message that your eStatement enrollment completed successfully and you will start receiving your eStatement online the next time it’s produced!

At any time if you would like to know which accounts you have enrolled in eStatements, in Online Banking select Profile, then select Edit next to the Electronic Statement section.

General Information

Q. How do I sign up for eStatements?

A. Our eStatement Auto Enrollment makes signing up easy! When you log into Online Banking, and you have accounts that are not currently signed up for eStatements, you will be prompted to enroll. Simply check the box next to the account for which you would like to receive eStatements. Then click on the Electronic Statements Terms and Conditions and note the confirmation code. Check that you have read the Terms and Conditions, enter the confirmation code and save. You will receive a message that your eStatement enrollment completed successfully and you will start receiving your eStatement online the next time it’s produced!

If you are not prompted with an eStatement enrollment offer, select Profile, then Edit next to Electronic Statements. Here you can view which accounts are enrolled in eStatements. Follow the prompts to enroll.

Q. Can I have both a paper statement and eStatement?

A. You can only receive one or the other. You cannot have both a paper statement and eStatement.

Q. Can more than one owner on the account receive email notifications that my eStatement is ready?

A. Multiple owners will not each receive an email.

Q. If something happens to my computer and I’m unable to retrieve my statement(s), can I get a copy from the bank?

A. Yes. Normal duplicate statement fees will apply.

Q. Will I now receive electronic Overdraft/Non-Sufficient Funds/Flex Advance notices?

A. At this time, these notices will continue to be printed on paper and mailed to you.

Q. How long can I view my statement(s) online?

A. 18 months of eStatements will be accessible through FSB’s Online Banking.

Q. I no longer want eStatements. What do I need to do?

A. Stop into any FSB office and sign the eStatement withdrawal form or send us a signed letter stating you no longer want eStatements. Reminder, if you cancel eStatements, you will start receiving paper statements again.


Q. When trying to open my eStatement, I receive the message “Windows Cannot Open this file”. What does this mean?

A. Your PC most likely doesn’t have a PDF reader. Adobe provides a free PDF Reader. Or you can click on the link from FSB’s web site on the eStatements enrollment page.

Q. When printing my eStatement from Adobe, it prints only a portion of it in large print.

A. View instructions on Adobe settings for printing eStatements.

Q. I use Chrome for my Internet browser and am not able to open my eStatements.

A. View instructions on opening your eStatement in Chrome.

Q. I use Firefox for my Internet browser and am not able to open my eStatements.

A. View instructions on opening your eStatement in Firefox.

Mobile Banking

General Information

Q. What is Mobile Banking?

A. Mobile Banking is banking using your cell phone.

Q. What are my choices for using Mobile Banking?

A. You can use any or all of the following:

                    • SMS (Text messaging)
                      Send text commands (such as BAL) to FSB from your SMS-enabled phone to inquire about basic account balance and transaction history information, or locate a branch or ATM. Receive text message responses directly to your phone.
                    • Mobile Browser
                      Log in using your web-enabled mobile phone’s browser to perform transactions, make payments, locate branches and ATMs and more. You’ll have a look and feel that is similar to PC-based online banking, in a site designated to fit into your phone’s screen
                    • Downloadable Application
                      Our FSB Now app is available for mobile devices and tablets. Check out more detailed information on our Mobile Banking page.

Q. Is Mobile Banking secure?

A. FSB’s Mobile Banking employs industry best practices with regards to security. It offers the following security safeguards:

                    • Authentication
                      Mobile browser and application users are authenticated for every interaction with any Mobile Banking component. Users are authenticated by username and password or by utilizing existing login credentials for single sign-on.
                    • Encryption
                      Industry standard encryption is used for all transactions within Mobile Banking.
                    • Fraud
                      Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
                    • Availability/Resilience
                      Mobile Banking servers are protected against malicious attacks through software and server hardening measures. (It is highly recommended that you run a current anti-virus/anti-spam solution on your phone and apply system updates that the manufacturer releases).

Q. What types of things can I do on Mobile Banking?

A. With text messaging, you can obtain account balances, view transaction history and locate branches and ATMs. Using the mobile browser or FSB Now app options, you can view account balances, recent transactions, and transfer funds between your bank accounts - all in real time. In addition, you can pay bills and people in CheckFree bill payment.

Q. What are the minimum system requirements to have on my phone for Mobile Banking to work?

A.Minimum system requirements are as follows:

                    • Texting
                      You need to be able to send and receive SMS text messages. Check with your provider on your billing plan.
                    • Mobile Browser
                      You need a WAP enabled web browser and data plan for your phone. Please check with your phone provider on your billing plan.
                    • FSB Now App
                      You need an Android or iPhone device with a data plan. Please check with your phone provider on your billing plan.

Q. Does it matter what carrier I have for my phone service?

A. The Mobile Banking system should work with most carriers.

Q. What are the risks of using Mobile Banking?

A. If someone gets control of your phone and knows your Online Banking password, they could transfer money between your accounts or send a bill payment. They would not be able to transfer money to an external account but could set themselves up to be a payee. It is a good idea to never write down your password, change it often and secure your phone with a password, PIN or other security features.

Q. Regarding text messaging, what is a short code and how do I know if I can use short codes?

A. The short code is the number that you text to receive information about your account. FSB’s short code is 96924. Some customers might need to contact their carrier and request the ability to receive messages from short codes.

Q. Can I transfer money outside of the bank?

A. No. Transferring money can only be completed internally between your FSB accounts, which you can see on your Online Banking session.

Q. Can I pay my bills using Mobile Banking?

A. Yes, you can add or pay a bill as well as change a payment. 

Q. I pay people using Popmoney when I’m in Online Banking. Is this feature available in Mobile Banking?

A. Yes, Popmoney is available in Mobile Banking.

Q. Is it possible to lockout my account?

A. Yes. The lockout procedures will follow the same procedures as Online Banking from a computer. If you enter your password incorrectly three times on your mobile device your account will be locked from your device as well as on a computer. Contact Farmers State Bank at 319-377-4891 to have your account unlocked.

Q. Can I run antivirus protection on my phone?

A. Check with your phone carrier for recommendations. It is always a good idea to run a current anti-virus/anti-spam solution on your mobile device as well as the computer that you use to access Online Banking.

Q. Does viewed information stay on the phone or tablet after the session is completed?

A. You should always log out of your Mobile Banking session. However, after 20 minutes of inactivity, the session will time out.

Q. What if I forgot my password?

A. On a computer, go to the FSB website and click on the “Forgot Password” link on the home page and your password will be emailed to you, or call Farmers State Bank at 319-377-4891.

Q. I use multiple Online Banking logins to access personal accounts and others, such as a small business account. Can I do this on my phone or other mobile device?

A. Yes, you can use different logins on your mobile device.

Q. I enrolled in Mobile Banking but have not received any of the texts?

A. Please contact your cell phone carrier to verify you can receive text messages with a short code. Specifically, you would be receiving texts from 96924.

Additional Questions about Mobile Banking?

If you don’t find the information you’re looking for, or if you’d like additional information, please contact us.

Personalization Settings


Farmers State Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again