The Hometown Advantage

Personal, business and agricultural banking products and services that support your community.

Frequently Asked Questions


Q How do I set up Direct Deposit of my payroll check?

A After your Farmers State Bank checking application has been approved, you will receive Farmers State Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q Can I get information about my account by phone?

A Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices.

Q Can businesses have accounts at Farmers State Bank?

A Yes! Farmers State Bank does offer online accounts for businesses. We update our Business Banking section as new accounts are offered so check back with us. If we don't have exactly what you're looking for now, we may add it very soon!

Q Is interest paid on Farmers State Bank checking accounts?

A Yes! If you want a checking account that pays a market rate of interest, check out our Checking Products page.

Q Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?

A As stated on our application, at this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Can I do all of my banking with Farmers State Bank?

A Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

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 How frequently is my Farmers State Bank information updated?

A Farmers State bank updates all customer information daily. Whether you access our Online Banking site or visit our customer service department, your account information is updated throughout the day to reflect all account activity.

Q Are wire transfers possible to and from my Farmers State Bank checking account?

A Yes! Funds can be transferred to and from Farmers State Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at (605) 648-3683 for details.

Q How do I make a deposit to my account from a remote location?

A You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. Farmers State Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Online Banking

Q How do I get started with Online Banking?
A Go to the Home page and click on Access Online Banking. Click on and fill out the Personal or Commercial Enrollment Form and hit Submit. Temporary User ID and Password information will be generated and mailed to you within a couple of days.

Q How frequently is my Farmers State Bank information updated?
A Farmers State Bank updates all customer information throughout 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 I'm still hesitant about banking online. Can other people see my account information?

A Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

Q I keep hearing a lot about encryption? What exactly is it, and why does it make everything more secure?

A Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.

Q What about information that is stored? Is it encrypted as well?

A Information stored on our system is also encrypted using at least 128 bits.