FAQs

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Common Questions about Online Banking, Bill Pay and More

Our staff is always ready to answer your questions about the banking services offered at FTSB. But, if you are looking for a quick answer without having to call into one of our offices, you may be able to find the answer right here. Take some time to browse through our FAQs to see if you can find the answer you are looking for.

Online Banking
Account Alerts with Online Banking
eStatements
Shazam Debit Card
Bill Pay
Mobile Deposit
 

Online Banking

How do I sign up for Online Banking?
Visit your FTSB office to fill out an application, or print our application and return it to the office.

When do I have access to use Online Banking?
Online Banking can be accessed 24 hours a day, seven days a week from anywhere with an Internet connection.

When is my account information updated?
Your account information is updated and viewable online by 5 p.m. every business day.

What are the fees for Online Banking?
You are not charged any fees for Online Banking.

Can I use my social security number as my password?
You should never use your social security number as a password. When creating a new password, use a mix of lower and upper case letters, numbers and punctuation marks. Passwords should be at least eight characters in length.

What if I forget my password?
In step three of the login process for Online Banking, under “Tips & FAQs,” click on the link to reset your password.

Can I see the images of checks online?
Yes, check images are viewable for both the front and back of the check. Click on the check number of the item you want to see, and the image will appear.

What if the security question is not one that I have chosen?
First, verify your username was entered correctly. You can also click “Tips & FAQs” on step two of the login process and click the link to begin the update. You can always call your local office for assistance, too.

What if I can’t remember the answers to my security questions?
Call FTSB at 641-562-2696 and our staff will help you reset the answers.

Account Alerts with Online Banking

Can I be notified for alerts such as account balances, a check being cleared or a transaction that goes through my account?
Yes. You can set up multiple new alerts or reminders for any account set up in Online Banking.

How do I receive these alerts?
Alerts can be received via a secure message, an email or a mobile phone alert. You can determine this when setting up individual alerts.

Where do I find the Account Alerts section in Online Banking?
Account alerts can be found in the “Accounts” section.

eStatements

How do I get eStatements?
Start by printing and filling out our eStatement Application and then bring the application to your local FTSB.

How secure are eStatements?
eStatements are password-protected. You must enter a password of your own choosing whether you log in through Online Banking or view them via email.

When will I get my eStatement?
eStatements are sent the day your statement is normally printed. Contact your local office to find out what your statement cycle date is.

I can’t remember the password to open my eStatement. What should I do?
Contact your local FTSB office.

How do I cancel my eStatements?
FTSB must receive written notification from you via fax, email, direct mail or by coming into the bank office. If you have a Free Checking account, canceling eStatements converts your account into a Regular Checking Account.

Shazam Debit Card

How do I get a Shazam Debit Card?
You can stop in at your local FTSB office to fill out an application. You can also print this application, fill it out and return it to any office.

I lost my PIN number. What should I do?
You can do one of two things. First, you can reorder your original PIN number, and it will be sent to you in the mail. Your other option is call 1-800-717-4923 and set up a new PIN number. All you need is your card and SSN ready. You must call from the phone number that is on your debit card application.

My card is damaged and will not work. What can I do?
You can call or come in to your local office to order a replacement card for a cost of $10. Instant issue cards are available for a cost of $20.

I believe my card has been lost or stolen. What should I do?
Call your local FTSB office or call Shazam at 1-800-383-8000 to report the issue immediately. Your card will be canceled and you can place an order for a new card. The cost of a replacement card is $10.

I’m traveling out of the area. Do I need to contact you to let you know?
It is important that we know that you plan on using your Shazam Debit Card out of your normal area or overseas. Simply call your local office and we will file a Case Management report, which will notify Shazam of your travel plans.

How am I notified if there is unusual activity on my debit card?
Shazam’s Falcon Alert program keeps you safe by identifying your usual spending habits and red-flagging suspicious transactions. Red flag warnings block the usage of your card until you can be contacted to verify the transaction. Because of this, it is important that all your contact information, including your cell phone number, is up to date so our records are accurate.

Online Bill Pay

How do I sign up for Online Bill Pay
Signing up for Online Banking gives you the ability to enroll in Bill Pay services with FTSB.

Can I pay any bills using Online Bill Pay?
No. Tax payments, court-ordered payments or payments to payees outside the United States or its possessions/territories are not eligible.

When I pay a bill using Online Bill Pay, is it an immediate payment?
No. You select the payment date, but make sure that date is no less than five business days before the actual due date for payments being sent by check. Electronic payments should be scheduled four to six days in advance of due dates. Checks should be scheduled 7-10 days in advance of due dates. You are responsible for scheduling your payments so that your obligations are met and you pay on time.

My payment did not go. What do I do?
First, make sure the payment information was entered correctly and make sure you have the funds to cover the payment. Transfers from other accounts must be in the checking account prior to bill payments.

Is it possible to cancel or put a “stop payment” on a payment?
We may not have reasonable opportunity to act on any stop payment or cancelation order after the payment is “in process.” It is not possible to stop or cancel a payment that is marked “completed.”

Mobile Deposit

How do I deposit a check through the FTSB Mobile app?
First, you must download the FTSB Mobile app to your phone. You will use the same login credentials to log into the mobile app that you use for Online Banking. (Note: you must be signed up for online banking before you can use the mobile app. For information on signing up for online banking, click here.)
 
After you have signed in, there will be a small camera icon below each eligible checking account. Tap the camera to start the mobile deposit process.
 
My check deposit doesn’t show up immediately after I make the mobile deposit. What do I do?
Your check will not post to your account until after 3pm each business day.
 
What is the cut off time for depositing a check to get it in that day’s balance?
The cut off time to get a deposit in using mobile deposit is 2pm CT.
 
What are reasons my check might be rejected?
The mobile app will decline check deposits that have already been presented for deposit once. It may also reject the check if the check amount entered and the actual amount of the check are different. Quality of the check image is also a factor for rejecting a check. Farmers Trust & Savings Bank may reject your check if “For Mobile Deposit” is not written on the back, the check looks fraudulent or if the customer has abused the mobile deposit service.
 
I still have questions regarding Mobile Deposit. Who do I contact?
For questions or concerns regarding your mobile app or mobile deposit, contact any FTSB office. You may also download our Mobile Deposit User Guide.