Online Banking FAQs

How do I begin Online Banking with Farmers State Bank?

Signing up for Online Banking is quick and easy! To start, just print a personal application or a business application. Then, fill out the necessary information, sign a copy, and send or drop it off at one of our conveniently located offices.  Or, if you are already planning on visiting the bank, one of our customer service representatives can assist you with the application process.

How do I know that my Online Banking transactions will be secure?

Online Banking utilizes several layers and types of security.  All financial transactions are sent using Secure Socket Layer (SSL) protocol to ensure that all data is adequately encrypted. In order to prevent unauthorized access to your accounts we use a time-out feature, which requires the user to log in again after a 10-minute period of no activity.  Additionally, you will be locked out if more than three unsuccessful attempts are made to access your accounts.  Suspicious activity for all account access is logged and monitored regularly.  Remember that as long as you are logged in, anyone at your computer can access your accounts.  Always log off after each banking session.

What can I do with Online Banking services?

Online Banking allows our customers secure and convenient access to their accounts using the Internet, day or night, any day of the year.  Here are some of the convenient functions available with Online Banking:

  • Get up-to-the-minute information about all of your deposit accounts and loans.Confirm your deposits, withdrawals, and cleared checks.
  • View and print images of your checks and deposits, front and back.
  • View and print your last three account statements.
  • Transfer money between accounts; set up recurring transfers and loan payments.
  • Download transactional information into your personal finance software like Microsoft Money, Quicken and Quickbooks.

What happens if I forget my password or get locked out?

You will need to contact Farmers State Bank Internet Banking Services should you forget your password/pin.  After three unsuccessful attempts at logging in to Online Banking, your account will be “locked”.  You may call (260) 463-7111 or (888) 492-7111 during regular business hours, Monday through Friday for assistance.

How do I change my password?

Go to: Options tab (to manage & organize your online account information)

This page gives you the option to change your password/pin or banking ID (Alias), change email address, change account names, change display options and more.

Under Personal --- Change Password/Pin:  

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

My accounts are joint with another person. Do we each need a User ID and password number?

We recommend that each account owner have his or her own Banking ID and password. Remember however that each owner will have access to joint accounts.  Make sure that transactions such as transfers, loan payments and bill payments are communicated to avoid double entries.

Can I change my Banking ID number or account names to something more meaningful or easier to remember?

Yes, go to: Options  (to manage & organize your Online account information)
This page gives you the option to change your password/pin or banking ID (Alias), change email address, change account names, change display options and more.

Under Personal --- 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 may be up to 12 characters long.  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.

Is there a limit to the number of Online Banking transfers I may make from my savings account to my checking account?

Yes.  Federal regulations limit the number of automated transfers from your savings account to your checking account to six per month.  These transfers also include transactions such as 24 Hour Touch Tone Banking transfers, transfers requested by telephone, ACH transfers, and sweep transfers to cover overdrafts.  Transfers to make loan payments are not included.

I don’t seem to be able to view my previous account statements. Why?

If you are a new Online Banking user, your account statements may not yet be available.  Your statements must cycle after you become an Online Banking user for them to be available for viewing.  After three statements have cycled, you will be able to view the three previous statements.

Who do I contact if I have a problem with Online Banking?

If you are experiencing a problem with Online Banking or have a question, you may contact Farmers State Bank Internet Banking Services at (260) 463-7111 or (888) 492-7111 by phone during regular business hours or you may e-mail us at