Farmers State Bank Online Internet Banking User Guide

Getting Started
To have a Farmers State Bank Online Banking account, you must be a FSB customer with at least one account and have a completed application filled out and signed. We need to have an original signature on file (no faxes or copies are allowed). There are two ways in which you can sign up for Online Banking: First, you may find the personal and business forms on the website (under the “Learn More” section) on our homepage at (www.FarmersStateBank.com). Then by printing, completing the fields, and signing the document and delivering the original copy to one of our locations; or; secondly, by picking up an application at any of our offices and returning the form to an FSB associate. After your application is processed, your Online Banking ID and instructions for activating your account will be sent to you by postal mail within a few days.

To ensure the highest possible security, you must use a browser that supports 128-bit SSL encryption, such as Netscape Navigator 4.7 and higher or Microsoft Explorer version 5.5 and higher. These browsers or browser updates are available free from the Netscape and Microsoft websites.

Online Banking Sign In
To begin banking Online, click on the Online Banking “Sign In” button, located on the Farmers State Bank website homepage (www.FarmersStateBank.com). From the Sign In page you can sign on and access Farmers State Bank's Online Banking services by entering your Online Banking ID and password. After you have entered your Online Banking ID and password, click on the “Submit” button to access your account information.

Immediately following your first successful login, you will be prompted to change your password. Your new password must be between 6 and 8 characters in length and may be either letters or numbers. For maximum security we recommend that you use a combination of letters and numbers. REMEMBER: Keep your password private; do not disclose your password to others and do not write your password on anything that can be viewed by others.

If you forget your password, you must contact Farmers State Bank during business hours to have your password reset. After 3 unsuccessful login attempts the system will automatically lock you out. This is done to prevent possible unauthorized access to your accounts; in this case you may contact us to regain access (260) 463-7111 Monday-Wednesday 8:00-4:30 pm CST, Thursday – Friday 8–5:00 pm CST, and Saturday 8-12pm CST (with exception to Federal holidays). You may change your password at any time by using the “Options” menu within Online Banking. We recommend that you change your password frequently. To log out of Online Banking select “Exit” in the upper-right hand corner of screen.

Options (on Main Menu Bar)
The Account Listing page allows access to all of the accounts that have been selected for viewing through Online Banking. If you do not see an account that you own and would like access to, please contact us. Initially, your accounts will be titled with a generic name. As a security precaution, your account numbers are not used over the Internet.

View Current Transactions
From main menu – select “Transactions” in the drop down menu next to the account. Use this option to display a listing of all the transactions for your account since your last statement (loan accounts will display a complete history). Your most current history will be listed with a running balance in the right-hand side. For deposit-transaction accounts, you will see a check number link or a link titled “View image”. Click on these links to view an image of the check or deposit represented by the link (front & backside of check may be viewed).

View Range of Transactions Between Dates
Online Banking retains 90 days of history for your account. You can search for transactions on a specific day or a range of days.

View Previous Statement
From main menu select “Statements” in the drop down menu next to the account. If your account statement has cycled since you have been established on Online Banking, you will be able to view your previous statements. The available statement dates will be displayed from which you may choose. After three statements have cycled, you will be able to view as many as three previous statements.

Transfer Funds from this Account
This option will appear for those accounts that have the transfer option available. You can transfer money one time or you can set up a scheduled recurring transfer. To initiate a transfer request:

1. Select “Transfers” next to the account to transfer funds from by using the menu on the “Internet Banking” page the drop-down menu; then select the “Add Transfer from” on the right-hand side of you screen.

2. On the transfer funds page select the account to transfer funds to by using the drop-down arrow.

3. In the amount to transfer box enter the amount, including cents that you would like to transfer.
Optional: If you wish to make the transfer a scheduled recurring transfer, select the frequency and dates from the available options at the bottom of the page.
The default for transfers is one time. You will need to input a Start and Stop date for recurring payments.

4. To process your transfer, click on the “Submit” button at the bottom of the page. After you complete the transfer, a page displaying the information about the transfer and a confirmation number will appear. You should print this page for your records.

View Interest Rates
This page displays current interest rates on Farmers State Bank’s deposit account products. The link is found on the Internet Banking page in the upper-left handed corner.

Enter Stop Payment (paper checks only)
Using this option you can place a stop payment on a check based upon a check number or amount. Be aware that there is a $25 charge for this service that will be deducted from your account. You can select a specific check, a range of checks, or you can select a specific dollar amount. Fields marked with red arrows are required; at least one of the fields marked with blue arrows must be completed. The more information you can supply, the easier it will be to stop the proper check. After filling out the requested information, click the “Submit” button. Note that we are unable to place a stop payment order on checks that we’ve already received and paid.

You will see a confirmation page. The stop payment request is only good for 14 days. If you wish to place a stop payment for a longer period, you must print this page, sign it and mail it to: Farmers State Bank, Bookkeeping Department, 220 S Detroit St. Lagrange, IN 46761. Please remember to keep a second copy for your personal records. After the written stop payment notice is signed and received by Farmers State Bank, your stop payment order is good for six months and will not be effective after six months, unless the stop payment is renewed in writing.

Note: If you wish to place a stop payment on an electronic payment or have a watch for stolen or lost checks, please contact the Farmers State Bank Bookkeeping Department at (260) 463-7111.

Options (to manage & organize your Online account information)
This page gives you the option to change your password or Banking ID (Alias), reset your login counter, change account names, and change display options and more.

Personal
--- Change Password
With this option you can change your Password at any time and as many times as you wish. The password you choose must be between 6 and 8 characters in length and may be letters, numbers, or combination of the two.

--- Change Personal ID
You can change your Online Banking ID from the 12-digit bank assigned number to something easier for you to remember. The Personal ID that you choose must be between 4 and 12 characters long with no spaces or special characters. The ID cannot begin with a number, but may include numbers in it. All ID's are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.

--- Change E-mail Address
You may change your E-mail address at any time.

--- Reset Login Count
This is found under Options – Personal (to the upper right-hand side of screen). This option resets the account usage counter that appears at the bottom of the Accounts Listing Page. This information shows the last time you logged in and how often you have logged in. This information may be useful for you to identify activity on your account that may not be authorized.

Account
--- Change Pseudo Account Name
Each account that you have access to through Online Banking will initially be set up with the default name created by the banking system. If you wish to change the name of any accounts to something more meaningful, you can do so here.

--- Display Quantity
You may select how many accounts that you wish to display on the account listing page. Simply put in the quantity in the box and “Submit”.

--- Order of Accounts
You may also move accounts to display in the desired order.

Alerts
Go to “Options” then the “Alerts” tab. You will find: Event Alerts, Balance Alerts, Item Alerts, and Personal Alerts; select the one you wish on the right-side of the screen. You will then be prompted to another page and check mark what you desire to monitor and “Submit”.

Download Transactions
Online Banking allows you to download account transactions into a personal finance application such as Microsoft Money. You can also download your account information into a text file or spreadsheet application such as Microsoft Excel. To download transactions do the following:

1. From the main page, select “Download” in the drop down menu next to the account you would like to download transactions from.
2. Select the range of transactions to download.
3. Select a format for the type of software you are downloading to:
4. Microsoft Money(.OFX)
5. Personal Finance (.QIF)
6. Word Processing (.TXT)
7. Spreadsheet (.CSV)
8. Click on the “Submit” button to begin downloading. The next page will give additional instructions on saving the file. Click on the link at the bottom of the page to complete the download.

Bill Pay Services through the FSB Online Banking
Established FSB Online Banking customers with a checking account may also have the Bill Pay feature by applying. Bill Pay simply is a great resourceful tool that saves you time and money. There is a small fee for this feature: A personal account is $5.00 per month with unlimited Bill Pay payments; and business accounts are $9.50 per month with a $ .40 charge per transaction beyond the first 20 Bill Pay payments. For more information please contact us and add this feature to your account today!

Established FSB Online Banking customers with a checking account may also have the Bill Pay feature by applying. Bill Pay simply is a great resourceful tool that saves you time and money. There is a small fee for this feature: A personal account is $5.00 per month with unlimited Bill Pay payments; and business accounts are $9.50 per month with a $ .40 charge per transaction beyond the first 20 Bill Pay payments. For more information please contact us and add this feature to your account today!