Frequently Asked Questions Topic:

Debit Card

If the retailer is not equipped to read the chip card, just swipe as you do today. For transactions made over the phone or online, nothing changes.

If your debit card does not work or access has been denied at a merchant (and there are enough funds in your account) it is likely a fraud block has been placed on your card because of unusual activity (traveling or large purchases). During non-business hours please contact Shazam at 1-800-383-8000 to resolve the issue. During regular business hours contact FSB at 1-877-372-1879.

If you lose your card during banking hours you may call us at 1-877-372-1879. If we are unable to be reached you may contact Shazam at 1-800-383-8000.

The chip contains information used to process your transactions at a merchant terminal or ATM. No personal information or location tracking capability is stored on the chip.

• Report a lost or stolen card immediately. Call us at 1-877-FSB-1879 during business hours, or Shazam (debit card) at 1-800-383-8000 or Visa (credit card) 1-800-453-4270 for after hours service, and they will be glad to help you.
• Ensure your card is signed on the signature panel as soon as you receive it. 
• Protect your cards as if they were cash. Do not leave them unattended anywhere, such as in a car, restaurant or at the beach. 
• Never write down your PIN - memorize it.
• Never disclose your PIN to anyone.  A financial institution, the police or a merchant should never ask for your PIN. You are the only person who should know it. 
• When selecting a PIN, always avoid the obvious - your name, telephone number, or date of birth. 
• Never give out private or personal information, including financial details, unless you can verify the identity of the person or organization contacting you.
• Don’t respond to texts or emails coming from a contact you don't recognize, and don’t click on links. Instead, if you need to check on your account, type the site address you want to visit into your browser and securely log into your account.
• Don’t send money to strangers; scam artists often insist that you wire money, especially overseas, because it’s difficult to trace the transaction.
• Keep an eye on your monthly statements. If your account information is stolen, fraudsters can use it to charge purchases or commit crimes in your name. Watch for unusual charges such as “membership fees” and other goods or services you didn’t authorize. 

You can call us at 1-877-372-1879 or stop by one of your local branches today. 

Consider using your FSB Credit Card for large purchases instead. As long as the balance is paid off by the end of the statement period, users will not incur any interest charges.

You can use your card anywhere that Visa is accepted, online, in a store or an ATM. 

If you find a debit card charge that you didn't do, notify the bank immediately at 1-877-372-1879 so we can assist you with the dispute process. 

As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against fraud. 

You can call 1-877-FSB-1879 or stop at one of your local branches and order a new debit card. 

No notification is needed for travel within the US.
If you are traveling outside the US, simply tell us where you are going and the dates of your travel.  

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• Log into I-banking
• Select or tap Help & Contact Us > Messages
• The Conversations window will open. Click on the New Conversation button. Select Customer Service in the drop-down menu. 
• Send us a message telling us where you are going and how long you will be there.
• Messages sent to the bank within I-banking are encrypted so your information stays more secure than regular email. It is not advised to use your regular email account to send this information to FSB. 

It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.

You'll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction. You may not be asked for a PIN when travelling internationally. Your card is available to be removed from the terminal once the transaction is completed.

• Upon becoming aware of a transaction that should not have posted to your account please notify any one of our locations, either via phone or email, of the disputed transaction.
• Your next step will be to contact the merchant directly to attempt to resolve the dispute
• If you have already contacted the merchant, or you are unable to locate the contact information we will attempt to assist you in the resolution. To assist with the process, we will request a detailed description of the attempted resolution you had with the merchant and possibly any other supporting documentation, such as date, time, or who you spoke with, that may help us in our investigation process.

Farmers State Bank will issue you provisional credit upon being notified of the disputed transaction. Provisional credit will be received no later than 5 days from the date of notice for all signature based point of sale transactions, and not later than 10 days upon notice for PIN based transactions. A receipt of the provisional credit will also be mailed to you. If you have any questions, or if there is anything else we can help you with, please contact us at 877-372-1879.

You may do cash withdrawals of $1,050.00 per day and purchases of $5,050 per day.

You can call us at 1-877-372-1879, stop by one of your local branches, or contact us via live chat. A new card will be mailed to you.

New cards are automatically issued and mailed to you upon expiration.

To change your PIN number call 1-800-717-4923. Follow the voice prompts to enter the required information using your telephone keypad.

Remember to never write down or disclose your PIN to anyone, including law enforcement, your financial institution or family.

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