Download FSB's Mobile App, FSB, Now, for free on your default app store!

Mobile Banking

Bank On the Go with FSB Now

The FSB Now Mobile app¹ puts your accounts in your pocket. Deposit checks, pay bills, manage your debit card, send money, and transfer funds, all from one app.

1Download FSB Now from the App Store or Google Play.
2Enter your existing Online Banking username and password.
3Verify your identity with a one-time passcode.
4Accept the updated terms and conditions.
5Set up Face ID, fingerprint, or Save User ID for future logins.

Free to Download

FSB Now is free on iOS and Android. No monthly fee for the app or Online Banking.

Bank from Anywhere

Manage your accounts, make deposits, and transfer funds from your phone or tablet.

Instant Card Controls

Turn your debit card on or off, set spending limits, and manage travel plans in real time.

Secure Login

Mobile Banking Features

Use the FSB Now app to bring your finances wherever you go. Every feature below is available on iOS and Android.

Manage Your Monthly Bills

Pay all your bills from one location with a single password.

Access Bill Pay under the Transfer & Pay menu in FSB Now
Enroll in Bill Pay through Online Banking first
Free when you pay at least one bill per month²

Deposit Checks

Deposit checks without visiting a branch using your phone.

Open FSB Now and select Deposit from the navigation
Photograph the front and back of your check
Submit and keep the physical check until the deposit is approved

See How Mobile Deposit Works

Turn Your Cards On/Off

Quickly toggle your debit card on or off for added security and peace of mind

Open FSB Now and select Cards from the bottom navigation
Toggle the switch under your debit card to turn it on or off instantly
Turning your card back on is just as fast

Set Spending Limits

Set custom spending limits on your debit card to better manage your budget.

In FSB Now, go to Cards and select Controls & Alerts
Set limits by transaction amount or merchant type
Adjust or remove limits at any time

Instant Access to Your Card Information

View your debit card details directly from the app anytime.

In FSB Now, go to the Cards section
Select your preferred security token to view card details
Access is available for up to 2 minutes per session for security

Manage Travel Plans

Let FSB know you are traveling so your card stays active while you are away.

In FSB Now, go to Cards and select Manage Travel Plans
Enter your travel dates and destinations
Your card will remain active and secure throughout your trip

Activate Your Mobile Wallet

Add your FSB debit card to Apple Pay, Google Pay, or another mobile wallet..

In FSB Now, go to Cards and select Add to Mobile Wallet¹
Follow the on-screen prompts to complete setup
Pay in stores, apps, and online without your physical card

Send & Receive Money

Send money to friends using Zelle® or transfer funds to an account at another financial institution.

Zelle® transfers are fast, secure, and free³
External transfers require initial setup through Online Banking on a desktop browser
One-time and recurring transfers supported

Fast Balances

Check your account balance on the app's login screen without logging in.

Enable Fast Balances from your Profile settings in FSB Now
View balances for selected accounts without a full login
Secure and convenient for a quick balance check on the go

Quick Tutorial Videos

Short walkthroughs to help you get familiar with FSB Now before and after your first login.

Logging In with the New One-Time Passcode

Setting Up Fast Balances on Mobile

Setting Up Push Alerts

One-Time and Recurring Transfers

Frequently Asked Questions

What is Mobile Banking?

Mobile Banking lets you bank on the go using your smartphone or tablet. FSB Now is available on certified Apple and Android devices and uses your existing Online Banking username and password.

Do I need to download a new app after the platform update?

No. You should receive a prompt to update your current FSB Now app. If you have automatic updates turned on, the app may update on its own. If not, open the App Store or Google Play and update FSB Now manually.

What does my first login look like after the app update?

Enter your username and password, then verify your identity with a one-time passcode sent by call, text, or email. After verifying, accept the updated terms and conditions. From there, you can enable Face ID or fingerprint and turn on Save User ID.

Will the app save my username like it used to?

Yes. After your first login, turn on Save User ID from the login screen. Once it is enabled, your username will be saved for future logins.

Does it matter what carrier I have?

FSB Now works with most phone carriers. Contact FSB if you experience trouble connecting.

Can I use Mobile Banking on a tablet?

Yes. FSB Now works on most tablets. If your device cannot support the updated app, you can still access Online Banking through your device's internet browser.

Can I manage multiple accounts in FSB Now?

Yes. All accounts visible in Online Banking, including checking, savings, loans, and CDs, should be available under the same login in FSB Now.

Will I be able to see CDs in the mobile app?

CDs tied to your Online Banking profile should remain visible in FSB Now. If a CD or other account you expected to see is missing, contact FSB so we can review your account access.

What types of transactions can I complete in FSB Now?

You can transfer funds, pay bills, deposit checks, manage your debit card, set alerts, send money with Zelle®, and more, all from the app.

Will my scheduled transfers and bill pay payees carry over?

Yes. Scheduled transfers and Bill Pay payees migrated with the platform update. Active recurring transfers should continue as scheduled. If you need to change an existing recurring transfer, delete the old transfer and create a new one.

How do I set up external transfers in FSB Now?

Existing external linked accounts migrated with the platform update. To add a new external account, log in to Online Banking on a desktop browser first and accept the terms and conditions. Then go to Transfer & Pay, select External Transfer, and follow the prompts.

Will mobile deposit limits change?

No. One-time and daily mobile deposit limits remain the same after the platform update.

Why can't I view my mortgage loan in FSB Now?

FSB loan and mortgage loan information should remain available if it was previously visible in Online Banking. If a loan or mortgage account you expected to see is missing, contact FSB so we can review your account access.

How secure is FSB Now?

FSB Now uses security measures including multi-factor authentication, encrypted connections, and automatic session timeout after 20 minutes of inactivity.

Will I need a one-time passcode every time I log in?

No. The system reviews factors such as your device, location, and login behavior before deciding whether to ask for a one-time passcode.

Can I use an authenticator app instead of a one-time passcode?

No. One-time passcodes are currently delivered by call, text, or email using the contact information on file with FSB.

Why won't the one-time passcode send me a text?

Your phone number may be blocked from receiving text messages if you previously replied STOP to a text. Call (319) 377-4891 and we can help review your contact settings.

What if I don't have access to the phone number or email on file?

Call FSB at (319) 377-4891 and a representative can help update your contact information.

What happened to security questions?

Security questions were replaced by the one-time passcode process.

Will FSB ever ask me for my one-time passcode?

No. Never share your one-time passcode with anyone. If you receive a request for it, call (319) 377-4891 immediately.

What should I do if I receive a one-time passcode I didn't request?

Call FSB immediately at (319) 377-4891.

Will my saved biometrics work after the app update?

You need to enter your username and password the first time after the update. After that first login, you can set up Face ID or fingerprint again from within the app.

Does information stay on my phone after I close the app?

Always log out when finished. Inactive sessions time out automatically after 20 minutes.

What are the risks of Mobile Banking?

The primary risk is unauthorized access if your phone and password are compromised. Keep your phone secured with a passcode or biometrics and use a strong, unique password. Visit FSB's Fraud Prevention Center for additional tips.

How do I reset my password?

Select Forgot Password on the login screen and follow the prompts. You can also contact FSB for assistance.

Can my account get locked?

Yes. Multiple incorrect password attempts will lock your account. Call (319) 377-4891 or contact FSB to unlock it.

What if the app update fails or gets stuck?

Delete the app and reinstall it from the App Store or Google Play. If the issue continues, call (319) 377-4891.

My phone says it can't support the updated app. What do I do?

If your device cannot support the updated app, you can access Online Banking through your phone's internet browser.

Can a branch employee help me set up the app?

Yes. FSB staff at all branches can help you through your first login and app setup after the update.

What are FSB's digital banking support hours?

FSB's Customer Service Center is available from 8 a.m. to 5 p.m. Monday through Friday and from 8 a.m. to noon on Saturday. Call (319) 377-4891 for help.

Banking at Your Fingertips

Whether at home or on the go, FSB Now ensures you have the tools to manage your finances securely. Download FSB Now and manage your finances wherever you are. Free on iOS and Android.

Not enrolled in Online Banking yet? Enroll first. It only takes a few minutes.

Mobile Banking Disclosures

¹ Message and data rates may apply. Additional terms and conditions apply. Google Play is a trademark of Google LLC. App Store is a registered trademark of Apple Inc. Trademarks and copyrights are properties of their respective owners.

² No charge for Bill Pay when you use it each month to pay at least one bill. A $3 monthly fee applies if Bill Pay is not used.

³ Must have a bank account in the U.S. to use Zelle. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.