Online Banking FAQ

Q How do I access the Online Banking home page?
A You will need to contact Farmers State Bank to apply for online banking and obtain your User Name and password. You may then visit our home page and look for the online banking access button. Once the security questions have been created, you will be able to view your Farmers State Bank accounts.

Q How frequently is my Farmers State Bank information updated?
A Farmers State Bank updates all customer information through out the day as transactions are posted to your account.

Q Can I look at all of my transactions at any time?
A Yes, with Online Banking you have access to your account information 24 hours a day, 7 days a week!

Q After I have signed up online for electronic bill payment, how long does it take for my User Kit to arrive in the mail?
A Once you have completed the sign-up form at the Web site, your User Kit will arrive in the mail within 5-10 business days.

Q How does bill payment work?
A To help you understand the process, we have provided a diagram.

Q How long does it take to set up a new payee in the bill payment system?
A Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.

Q Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
A Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

Q After I make a bill payment, how long does it take for the money to be debited from my account?
A The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q How long does it take for a payment to reach the payee?
A A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

Q How do I actually use the Electronic Bill Payment System?
A Step-by-step instructions can be accessed by pressing the help button within Online Banking.