Frequently Asked Questions Topic:

I-Banking

1. In the navigation menu, click or tap Money Movement > FSB to FSB Transfer. The Deposit Only Transfer page appears.
2. Click or tap Single transfer. The Transfer Funds to Another Account page appears.
3. In the Enter Your Account Information section, enter the following information:
   In the From Account drop-down list, click or tap an account.
   In the Amount field, enter an amount to transfer.
   (Optional) In the Description field, enter a description of the transfer.
4. In the Enter Recipient Customer Account Information section, enter the following information:
   From the Account Type drop-down list, click or tap an account.
   In the Recipient Email Address field, enter the email address of the person to whom you are transferring the funds.
   In the Last 4 Digits of Account # field, enter the appropriate information.
5. Click or tap Submit to complete the transfer.
6. Link another person’s account to your own to make repeated or future-dated deposits to that account. The recipient must have an account with FSB.

To link an internally-held account:

1. In the navigation menu, click or tap Money Movement > FSB to FSB Transfer. The Deposit Only Transfer page appears.
2. Click or tap Link Account. The Link An Account page appears.
3. From the Account Type drop-down list, click or tap the account type.
4. In the Recipient Email Address field, enter the recipient’s email.
5. In the Last 4 Digits of Account # field, enter the appropriate information.
6. Click or tap Submit to complete linking the account.

Install the mobile banking app to use mobile banking on your iOS or Android device.

Do one of the following:

• On an iOS device, open the Apple App Store.
• On an Android device, open the Google Play store.
• Search for Farmers State Bank of Waterloo and install the app.

Yes. You can remember your account on more than one PC, tablet or mobile device. Multiple users can register the same browser or device.

If you have never used a particular browser or device to log in, you will need to request a secure access code to use it. If the Internet browser or device is one that you plan to use again, you can register it. By registering a browser or a device, you confirm that it is under your control and that you intend to use it to access online banking or the mobile banking app.

Caution:  Only register a browser or device if it is under your control. Do not register a browser on a public computer.

You can add accounts that you own at other financial institutions to your online banking profile and transfer funds externally.

When you connect the account, we make two small deposits of random amounts into your account at the other institution. When the deposits are complete, you enter and verify the amounts in either online banking or the mobile banking app. The deposits verify your ownership of the account and that any future transfers to or from that account will process correctly. The deposits should take fewer than five business days to process.

To add an external account

1. In the navigation menu, click or tap Money Movement > Add External Account. The Add External Accounts page appears.
2. In the Account Number field, enter the account number at the other financial institution.
3. In the Routing Number field, enter the routing number of the other financial institution. The image on the screen illustrates where the routing number is located on a check. If the account is not a checking account, verify the correct routing number with the other financial institution.
4. From the Account Type drop-down list, select the external account type.
5. Click or tap Submit to complete the addition of the account.

To verify an external account

1. In the navigation menu, click or tap Money Movement > Verify External Account. The Account Verification page appears.
2. Click or tap the account that you want to verify.
3. In the Verify Deposit Amounts area, enter the amounts of the two deposits that we made to the external account.
4. Click or tap Continue.
5. After verification, the external account appears in the list of accounts that you can use in transfers.

If your Apple or Android mobile device has a fingerprint sensor and is operating on a supported OS version, you can log in using your fingerprint. Only one fingerprint can be registered to an account. The encrypted fingerprint is stored on the mobile device only and is not available to any other service providers, including the financial institution.

Caution:  You must set up fingerprint authentication on your device before logging in. For iOS, refer to https://support.apple.com for information on setting up Touch ID on your device and scanning a fingerprint for the first time. For Android, refer to http://developer.android.com for information on fingerprint authentication.

To enable Touch Authentication settings

1. On the Login page, tap Touch ID.
2. On the page explaining the fingerprint authorization feature, tap Enroll Now.
3. On the Touch Authentication page, do the following:
   Enter the Login ID.
   Enter the Password.
4. Tap Authorize to finalize changes.
5. Place your finger on the Home button to capture your fingerprint.

Note:  Touch Authentication is tied to your online banking password. Therefore, if you change your password for online banking, you must disable fingerprint authentication, then enable it again to be able to log into online banking with Touch Authentication.

To log in with Touch Authentication

• On the Login page, do the following:
• Touch the Home button with your enrolled finger. If fingerprint authentication doesn't recognize your finger, a message will prompt you to touch the button again.
• (Optional) Select the Remember me check box to save your login ID for the next time that you log in. When the connection is complete, the Home page appears.

To filter transactions

1. Click or tap an Account. The Account Details page appears.
2. Click or tap Filters to display filter details.
3. Do one or more of the following:

• Select a date range from the Time Period drop-down list. If you select Custom Date, specify dates in the Start Date and End Date Calendars.
• Select the type of transaction from the Transaction Type drop-down list.
• Enter the minimum and maximum amounts for the transaction in the Amount fields.
  (Optional) Specify a check number range in the Check# fields.
  (Optional) For PFM users, select the type of category in the Category drop-down list.
• Click or tap Apply Filters. The filtered results appear.

Absolutely. Our online banking system will provide you the ability to bank anytime, anywhere, from any device—conveniently and securely. You can download the app on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you’re on a platform that isn’t Android or Apple, you can always access online banking via your HTML5-compatible mobile browser. 

You can transfer funds between accounts at the same financial institution. You can also make external transfers to or from an account at another financial institution.

To transfer funds

• In the navigation menu, click or tap Money Movement > Transfers/Payments. The Funds Transfers page appears.
• On the Funds Transfer page, in the From drop-down list, select the account from which you want to transfer funds.
• In the To drop-down list, select the account to which you want to transfer funds.
• In the Amount field, enter the amount to transfer. 

(Optional) Select the Make this a recurring transaction check box. The Schedule Recurring Transfer fields expand.

A. Click or tap a transaction frequency.

B. Select a Start Date and End Date from the calendar, or click or tap Repeat Forever.

C. Click or tap the Date field, and then select the date that you want the transfer to occur.

(Optional) Enter information about the transfer in the Memo field.

• Click or tap Transfer Funds. The Transaction Authorized message appears and confirms that the transfer was processed or will be scheduled to process.
• Click or tap Close to set up another transfer, or click or tap View in Activity Center to review the transfer.

On the Account Details page, you can filter the transactions you want to export.

To filter transactions

1. Click or tap an Account. The Account Details page appears.
2. Click or tap Filters to display filter details.
3. Do one or more of the following:

• Select a date range from the Time Period drop-down list. If you select Custom Date, specify dates in the Start Date and End Date Calendars.
• Select the type of transaction from the Transaction Type drop-down list.
• Enter the minimum and maximum amounts for the transaction in the Amount fields.
• (Optional) Specify a check number range in the Check# fields.
• (Optional) For PFM users, select the type of category in the Category drop-down list.

     4. Click or tap Apply Filters. The filtered results appear.

To export transactions from the Account Details view

1. On the Account Details page, click the export icon ( ).
2. In the export drop-down list, click an export format. Depending on your configuration, they may include:
   Spreadsheet (XLS)
   Spreadsheet (CSV)
   Microsoft OFX (OFX)
   Quicken (QFX)
   QuickBooks (QBO)
3. If your browser automatically saves files to a folder, the file is saved in that folder. Open the folder to view the exported file or if your browser is configured to prompt for the folder for downloaded files, you are prompted to specify the location to save the exported file.
4. Click or tap the exported file. The transactions appear in the current sort order on the Account Details page.

TIP: Currently, you can only export in online banking, but not mobile banking.

If you forget your password and your account is not locked, you can use the Forgot Your Password option on the Login page to reset your password. Depending on the configuration, you may not be able to reset your password from an unregistered browser.

To change your account password

• In the navigation menu, click or tap Settings > Security Preferences. The Security Preferences page appears.
• Click or tap Change Password.
• Enter your existing password in the Old Password field.
• Enter your new password in the New Password field.
• Re-enter the new password in the Confirm New Password field.
• Click or tap Change Password to submit the change.

To configure an account display name:

• In the navigation menu, click or tap Settings > Account Preferences. The Account Preferences page with a list of accounts grouped by type appears.
• On the Account Preferences page, do the following:
• Click or tap the account you want to change
• Click or tap Online Display Name.
• Enter a nickname for the account, then click the check mark button.

An advance on a loan is taken in the same way as any other account transfer. However, there are limits depending upon the type of loan. Contact bank for details. 

The message center allows you to communicate securely with FSB. Messages can be saved by topic for easy reference. Check here for your alerts, replies to your inquiries and communications.

• Click on Messages tab.
• Messages are displayed at the left side of the screen. Click the message that you would like to read.
• Delete or reply to a message in the upper right corner of the message.
• Create a new message by selecting New Conversation.
• Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by selecting “This message should never expire.”

To send a secure message about a transaction:

1. In the transaction details, click or tap the inquire icon (speech bubble). The Transaction Inquiry window appears with inquiry details.
2. In the Message field, enter your message.
3. (Optional) In online banking, click the Supported Attachments icon. In the Open dialog box, select a file to attach to the message, and click or tap Open.
4. Click or tap Send. The Message Sent page appears.
5. When the confirmation message appears, click or tap Close to go to the Conversations page. The message appears in the Inbox.
6. You will receive a response to your question in this same Inbox (not in your email Inbox). If urgent, a representative from FSB may contact you via phone. 

Note:  Secure messaging is only available for FSB accounts.

Yes, there is a “help” button available in the menu of I-banking. Please click Help & Contact Us > Help

1. Login to FSB i-banking.
2. In the navigation menu, click or tap Services > Check Reorder. The Check Reorder page appears.
3. Click or tap the account for which you would like checks ordered.
4. You will be redirected to our trusted vendor's website to complete your order.

There are several possible reasons that you may need to register a browser or device again, including:

• Your browser settings are configured to delete cookies.
• Your browser cookies for online banking were removed.
• You use a browser plugin that automatically removes browser cookies when you close the browser.
• Your account requires a secure access code each time you log in.
• You log in with a different browser on the same registered computer.
• You deleted and reinstalled the mobile banking app.
• For security reasons, we reset all active registrations for all users.

If needed, you can change your User ID. You use the same User ID for both online banking and the mobile banking app.

To change your User ID

• In the navigation menu, click or tap Settings > Security Preferences. The Security Preferences page appears.
• Click or tap Change User ID. The Change User ID page appears.
• Enter the new ID in the New User ID field.
• Click or tap Submit.

You can use the Account Grouping feature to categorize accounts on the Home page—both internal accounts within the financial institution and external accounts that are aggregated via Personal Financial Management.

Users can also move account tiles to customize the appearance of the Home page. If using a mouse, click a tile, hold the mouse button, drag the tile to a new location, and release the mouse button. On a mobile device, tap a tile, drag it to a new location, and lift your finger to drop it in that location.

To create a new account group, click or tap an account tile and drag it to the New Group icon that appears while a tile is being moved.

When the tile is "dropped" on the New Group icon, a new group is made. Enter a name for the new group and click the check mark button to save the changes.

You can easily rename a group by clicking the pencil icon to the right of the title, editing the name, and clicking the check mark button to save the changes.

By following our tips, Online Banking at Farmers State Bank can be a safe and efficient method for handling your banking needs.

User Identification and Password

Security starts at your computer. Never share your User ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet's name or other personally identifiable choices.

Secure Sockets Layer Encryption

We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and FSB, making it difficult for anyone to access your account information.

Secure Access Code

You need a secure access code each time you login to our I-banking system from a new device. It is delivered to you via phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process in the future unless you access FSB I-banking from a different device. If you delete the security certificate or "cookie" that activates your computer for later use, you will need another secure access code.

Browser Registration

In addition to your personal password security, we have added another layer of security called browser registration that runs in the background and helps verify your identity at login.

Online Banking Safety Tips:

• Ensure your web browser, operating system, anti-virus software and other applications are current and support 128-bit encryption.
• Memorize your passwords.
• Exit your I-banking session when finished.
• Do not leave your computer unattended when logged in to I-banking.
• Do not use public computers or unsecured WiFi when accessing.

If you receive an error when logged into your account, report the error to a customer service representative at (877) 372-1879.

Any phone that has access to Google, Apple or Samsung app stores can download the FSB Mobile app.

At minimum the device must run on iOS 15 or Android 10.

To ensure the highest level of security, we recommend always updating your device to the latest operating system and app release. The simplest way to achieve this, is to set automatic updates in your device settings. For further support on your device, contact your phone manufacturer's customer support for assistance.

You can transfer funds between accounts at the same financial institution. You can also make external transfers to or from an account at another financial institution.

To transfer funds

1. In the navigation menu, click or tap Money Movement > Transfers/Payments. The Funds Transfers page appears.
2. On the Funds Transfer page, in the From drop-down list, select the account from which you want to transfer funds.
3. In the To drop-down list, select the account to which you want to transfer funds.
4. In the Amount field, enter the amount to transfer.
5. (Optional) Select the Make this a recurring transaction check box. The Schedule Recurring Transfer fields expand.
   Click or tap a transaction frequency.
   Select a Start Date and End Date from the calendar, or click or tap Repeat Forever. 
6. Click or tap the Date field, and then select the date that you want the transfer to occur.
   Note:  The date selected is the date you want the transfer to be processed, not the date the funds will become available.
7. (Optional) Enter information about the transfer in the Memo field.
8. Click or tap Transfer Funds. The Transaction Authorized message appears and confirms that the transfer was processed or will be scheduled to process.     
9. Click or tap Close to set up another transfer, or click or tap View in Activity Center to review the transfer.

Transactions for your internal accounts and linked accounts are automatically categorized to help you accurately monitor your spending and track your budgets. In some cases, you may choose to modify the automatically-selected category. You can also modify transaction descriptions, edit, or split transaction categories, and create new subcategories.

To categorize a transaction

1. On the Home page, click or tap an account. The Account Details page appears.
2. Click or tap a transaction. The transaction summary appears.
3. In the Category section, click or tap the edit icon. The Categorize sidebar appears.
4. Select a category to assign the transaction.
5. (Optional) In the Online Description section, click the edit icon to change the description of the transaction.

Note:  Editing the description only changes the description within online banking, not in paper or e-statements.

To add a subcategory

1. On the Home page, click or tap an account. The Account Details page appears.
2. Click or tap the category icon next to a transaction. The Categorize sidebar appears.
3. On the Categorize sidebar, do the following:
4. Click or tap the expand arrow ( )on the parent category.
5. Click or tap +Add Sub-Category.
6. Enter the name of the new subcategory.
7. Click or tap the check mark button.
8. Click or tap the new subcategory to assign it to the transaction.

Note: Default parent categories and subcategories cannot be edited. However, you can rename personally-created subcategories by clicking the edit icon next to the subcategory name.

The Online Activity tab shows only your Online Banking transaction activity. Depending on the type of account and access, you can review and cancel unprocessed transactions. 

To View Unprocessed Transactions:

• Click on the Money Movement tab.
• You can choose to view Single Transactions, or Recurring Transactions by clicking on the appropriate tab.
• Click on the transaction to view more details.
• Click Filters for additional search options.
• Click Apply Filters when you are satisfied with your filter criteria.
• Select Actions to perform additional functions such as Copy a transaction or Inquire to send a secure message to FSB.

Yes, you will also have access to up to 18 months of e-statements.

To view e-statements, notices & tax documents:

• In the navigation menu, click or tap Services >Statements/Notices.
• Do the following to select the statement to view:
• From the Account drop-down list, select 1 or multiple accounts.
• From the Document Type drop down select 1 or multiple options.
• From the Date drop-down list, select the date range.
  - Year end tax documents are dated 12/31/23.
  - Monthly statements are dated last day of the month.
• Click or tap View Documents for Accounts button.
• Your statements and documents will appear below. Check the box(es) to download the PDF files or click on View to open each doc in your browser.

You may need to verify that you can view PDF files the first time that you want to view an online statement. If you are not able to view PDF documents, Adobe Reader is available for most operating systems. You can download and install Adobe Reader or a similar program to view PDF documents. Adobe Reader is available from: http://get.adobe.com/reader.

You can use text banking to send text (SMS) messages from your mobile phone or other supported device to get account information or to perform transfers. If needed, you can update your text banking number or disable text banking.

Receiving account alerts via text message is not text banking.  Find account alerts in the FAQ.

Before you can use text banking, you must do the following:

• Enroll in text banking.
• Select the accounts to use with text banking.
• Assign each account a text banking nickname.
• (Optional) Configure the account order.

To enroll in text banking

1. In the navigation menu, click or tap Settings > Text Enrollment. The Text Enrollment page appears.
2. Click or tap On.
3. Enter the number that you want to enable for text banking in the SMS Text Number field.
4. Click or tap Terms and Conditions to read the terms and conditions in another tab.
5. Click or tap Privacy Policy and read the privacy policy in another tab.
6. Select the Agree To Terms check box.
7. Click or tap Save.
8. In the Enrollment Successful message, do one of the following:
   Click or tap Close to close the Text Banking settings.
   Click or tap Visit Preferences to configure account preferences for text banking.

On the Home page, the Accounts area lists every account whose history you can view. For each account, you can see the account name, the last few digits of the account number, and the balance. If you configure nicknames for accounts in Settings > Account Preferences, the nicknames appear.

You can drill down into any account to see account details and see up to 100 of the most recent transactions per page in the account.

Yes, multiple users can register the same browser or device.

With the FSB Mobile App on your Android or iOS device, you can deposit checks into your FSB I-banking account by simply snapping a photo of a paper check.

1. In the navigation menu, tap Mobile Deposit. The Deposit Check page appears.
2. In the To account list, tap the account that you want to deposit the check into.
3. In the Enter the check amount area, tap to enter the amount of the check, and tap Set.
4. Tap Capture image. The Image Capture page appears. 
5. On the Image Capture page, use your device to take a picture of the front and back of the check, and tap Submit Deposit. Guides on the screen help you align the check for the image.
   Tip:  If the image of the check is blurry, you can tap Retake Front or Retake Back to take a new picture.
6. Tap Close. The check appears in the Submitted tab in the Deposit Check History list.

1. On the Home page, scroll down to the Linked Accounts group.
2. On the desired linked account, click the two vertical bars, then click Update Login.
3. Enter your updated User ID and Password, then click Continue.

Note:  Do not confuse linked accounts with external transfer accounts. In online banking, you can only display data about linked accounts. For external transfer accounts managed on the Add External Accounts page, you can transfer funds between accounts at your primary financial institution and external accounts after two micro-deposits are made to ensure your ownership of the account, as well as your financial institution's ability to move money to or from it.

The FSB I-banking system utilizes two-factor authentication. This is an extra layer of security that requires something that only that user has immediate access to - such as a mobile device. I-banking users will receive a 5-digit secure access code that is sent via text or phone call. This code will need to be entered into I-banking to sign in.

You need a secure access code each time you login to the I-banking system from a new device or internet browser. You can opt to have your device registered so that you do not have to complete the Secure Access Code process in the future. If you delete the security certificate or "cookie" that activates your computer for later use, you will need another secure access code.

To register a device or browser, simply select “Register this Device” when logging into I-banking.

If this device is a "private" device where you have exclusive access, you may want to register to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library.

To use text banking, you send a text message to 226563 (BANKME) with a command. When the action is complete, the text message reply includes the information or the results of the action.

Caution:  When you send or receive a text banking message, normal text message and data rates apply.

BAL <account nickname> Receive account balance (If no account nickname is included, the balances of all enabled accounts will be listed.)

HIST <account nickname> Receive account history

TSF <from account nickname> <to account nickname> <amount> Transfer funds between accounts

LIST  Receive a list of available text commands

HELP  Receive a list of contact points for information on text banking

STOP  Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)

On the Home page, do one of the following:

1. Click or tap Enroll in Bill Pay.
2. In the navigation menu, click or tap Money Movement > Bill Pay.
3. Click or tap the account you want to enroll, then click or tap Enroll in Billpay.
4. On the Agreement page, click or tap I agree to enroll in bill pay.
5. On the success message, click or tap Continue to Billpay. The Bill Payment page appears.

You can transfer funds between accounts at the same financial institution. You can also make external transfers to or from an account at another financial institution.

To transfer funds

1. In the navigation menu, click or tap Money Movement > Transfers. The Funds Transfers page appears.
2. On the Funds Transfer page, in the From drop-down list, select the account from which you want to transfer funds.
3. In the To drop-down list, select the account to which you want to transfer funds.
4. In the Amount field, enter the amount to transfer.
5. (Optional) Select the Make this a recurring transaction check box. The Schedule Recurring Transfer fields expand.
6. Click or tap a transaction frequency.
7. Select a Start Date and End Date from the calendar, or click or tap Repeat Forever. 
8. Click or tap the Date field, and then select the date that you want the transfer to occur.
   Note:  The date selected is the date you want the transfer to be processed, not the date the funds will become available
9. Click or tap Transfer Funds. The Transaction Authorized message appears and confirms that the transfer was processed or will be scheduled to process.
10. Click or tap Close to set up another transfer, or click or tap View in Activity Center to review the transfer.

Note:  You can set up a recurring transfer to start today.

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You cannot remove or delete an FSB account from online banking, but you may hide that account from displaying.

1. In the navigation menu, click or tap Settings > Account Preferences. The Account Preferences page with a list of accounts grouped by type appears.
2. On the Account Preferences page, do the following:

• Click or tap the account you want to hide.
• Under details click or tap on Visibility
• A pop-up screen will ask to confirm this action, click Yes, Hide.

To delete a linked account from another financial institution, follow the directions above, but under visibility, click Remove.

Alerts remind you of important events, warn you about the status of each of your accounts, and notify you when transactions occur. Some alerts are automatically generated by the system, such as security alerts, but some alerts you can create and customize.

When you create an alert for an account, you specify the conditions that trigger the alert, as well as the way that you want to receive the alert. Alert conditions vary depending on the alert type.

When you create an alert, it takes effect immediately and stays in effect until you disable or delete it. You can set an alert to occur immediately.

• Date alerts
• Account alerts
• History alerts
• Insufficient funds alerts
• Transaction alerts

You do not need to be logged in to receive the alert. Secure messages and email alerts are sent immediately when they are generated. You can choose to receive alerts in any of these ways:

• Secure message (in online banking and the mobile banking app)
• Email
• Telephone call
• Text (SMS) message

TIPS: 

• To receive text alerts, you must enroll to receive text messages from the system. Under the Settings menu, select Text Enrollment, click the On button, enter your phone number, agree to terms and Save.
• If you miss an email alert, check your junk email folder. If your alert was delivered there, configure your mail settings to allow messages from our email address.  
• If you miss an alert phone call, our system will leave a voicemail message. If you did not receive a phone call, check your message mailbox under the Messages menu to confirm receipt. If there is no alert in the secure mailbox, confirm that the alert is enabled.

To create an alert

1. In the navigation menu, click or tap Services > Account Alerts. The Alerts page appears.
2. In the New Alert drop-down list, click or tap the alert type that you want to create. The New Alert page appears.
3. Click or tap an alert type.
4. Enter the required information to set up the alert.
5. Select an option from the Select a delivery method drop-down list:
   Click or tap Secure Message Only to send the alert as a Secure Message. The alert is sent immediately when it is generated. You must be logged in to I-banking to read the alert.
   Click or tap Email to send the alert as an email. Enter the email address where you want to send the alert. The alert is sent immediately when it is generated.
   Click or tap Phone to send the alert as a telephone call.
   Click or tap the country from the country drop-down list, then enter the phone number to call.
   Enter the time to call. You can set this to occur immediately.
6. Click or tap Text Message to send the alert as a text (SMS) message.
   Click or tap the country.
   Enter the phone number.
   Enter the time to send the message or select the Send Immediately check box, then select the Agree to Terms check box.
   Double check you are enrolled to receive text messages from the system. Under the Settings menu, select Text Enrollment, click the On button, enter your phone number, agree to terms and Save.
7. (Optional) Select the Every Occurrence check box to repeat the alert every time that the trigger occurs.
8. Click or tap Save.
9. In the success message, click or tap Close. The new alert appears on the Alerts page.

The stop payment feature may only be used to stop one check number at a time. If you need to stop a series of numbers please contact the Bank.

To create a stop payment request

1. In the navigation menu, click or tap Services > Stop Payment. The Stop Payment page appears.
2. On the Account tab, click or tap the appropriate account.
3. Enter the check information.
4. Click or tap Send Request to complete the stop payment action.
5. Do one of the following:
   Click or tap Close to return to the Stop Payment page.
   Click or tap View in Activity Center.

If you choose to “remember me” your browser will load your user ID every time you log into I-banking. You will still have to enter in your password. The system uses information about your hardware and software to recognize a remembered computer. If you delete your browser cookies on your PC, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again. 

We will only send a secure access code to the phone number that you have on file with the Bank. This contact information cannot be changed within I-Banking. To request a change to your phone number please contact the Bank during regular business hours.

Personal Financial Management (PFM) allows you to budget and manage your finances by aggregating all of your accounts across multiple financial institutions so that you can see balances and transactions all in one place, on any device. Several links appear at the top of the Home page, such as Net Worth and Budget. You can click those links to display visual representation of your financial data, known as “widgets.”

Each widget is interactive and displays different information:

• Net Worth – Allows you to see the total value of all internally held and linked accounts to view your net worth over time.
• Budget – Helps you set budgets for each spending category and track progress towards those categories each month.
• Spending – Enables you to see a visual representation of how you are spending your money over a period of time.
• Trends – Builds even further on your budgeting categories to help track spending over time as compared to income.
• Debts – Allows you to see all of your debt accounts in one place and to calculate how making additional payments, or paying off your debt completely, can impact your debt over time.

To get started, link all of your other financial accounts like non-FSB checking or savings accounts, credit cards, 401K and other investments. 

• ‍Click on the "Log In" button in the upper right corner.
• At the bottom of the green pop-up box, click on the link for "New User."
• Follow the prompts to set up your new I-banking login.

To log in for the first time with a secure access code

On the Login page, do the following:

• Enter your Login ID & password
• Click or tap Submit. The Enter Secure Access Code page appears.

On the Enter Secure Access Code page, do the following:

• Click or tap one of the contact methods to send a secure access code.
• When the code arrives, enter the code.
• Click or tap Submit.
• If prompted to register the device, click or tap Register Device.
• Enter a password, then re-enter it in the Confirm Password field.
• Click or tap Submit.
• Update your online profile and click or tap Submit Profile.
• Read the agreement on the Disclaimers page and click or tap I Accept. When you accept the agreement, the Home page appears.

You may initiate a transaction dispute on the Account Details page within I-banking. You can initiate the dispute process if:

• Transaction status is not Pending.
• The transaction has not already been disputed, either in online banking or at a branch.

Note:  Disputed transactions are marked with a red flag icon.

To dispute a transaction

1. On the Account Details page, click or tap the questionable transaction.
2. Click on the 3 dots to the right of that transaction, then "Dispute Transactions."
3. When prompted to verify that you want to initiate a transaction dispute, click Dispute transactions.
4. Select the check box next to the transaction name. To dispute multiple transactions, select each transaction's check box.
5. Click Dispute Transactions.
6. When the Dispute Transaction window appears, click Continue dispute.
7. Enter all applicable information into the disput form.
8. Click Submit Dispute.
9. When the Dispute Submitted confirmation window appears, click Close to return to Account Details.

If the transaction is deemed to be fraud the card will be closed and a new one will be mailed.

On the Home page, the Accounts area lists every account whose history you can view. For each account, you can see the account name, the last few digits of the account number, and the balance. If you configure nicknames for accounts in Settings > Account Preferences, the nicknames appear.

By clicking on the account tile, you can drill down into any account to see account details and see up to 100 of the most recent transactions per page in the account.

You can edit the amount of your recurring transaction by doing the following:

1. Login to FSB I-banking.
2. Click or tap Money Movement > Online Activity Center.
3. Select the Recurring Transactions tab.
4. Locate the transaction you want to edit.
5. Select the Ellipses (3 dots).
6. Select the Edit option.
7. On the Funds Transfer screen, edit the Amount.
8. Scroll down once you’ve made your edits and select “Transfer Funds.”

Linking accounts held at external financial institutions allows you to manage your finances by seeing balances and transactions all in one place, on any device. Link your credit cards, loans, checking, and savings accounts from other institutions one time.

To link an account

1. Log in to your FSB I-banking account.
2. On the Home page, click Link Account. A list of frequently chosen financial institutions appears.
3. Select a financial institution by either:
   Clicking or tapping the financial institution’s name or logo.
   Typing the name or URL of the financial institution in the Search box. As you type, a list of matching financial institutions appears from which you can select the appropriate match.
4. To link an account, provide credentials for the account(s) held at the external financial institution, then click Continue. If the account requires multi-factor authentication (MFA), you will be prompted to supply the additional information, such as a secure access code.
5. All accounts are visible by default. Click or tap the Hidden/Visible toggle for each account that you want to hide from the summary of accounts section of the Home page and in the widgets.

Note:  If account aggregation is delayed (for example, due to a slow server), you can continue adding more accounts while aggregation continues in the background.

1. (Optional) Repeat steps 2 through 4 to link more accounts held at other financial institutions.
2. Click Continue.

After you link accounts, they appear in a Linked Accounts group on the Home page, providing a full financial picture. You can reorder and group accounts, as necessary.

If your login credentials change for a linked account, you can update them within online banking.

If you forget your password and your account is not locked, you can use the Forgot Your Password option on the Login page to reset your password. 

To reset a forgotten password

1. Click or tap Forgot your password?
2. Enter your Login ID.
3. Click or tap Submit.
4. Click or tap one of the contact methods that are on file for you. We send you the code using the contact method that you select.
5. On the Secure Access Code page, enter the code and click or tap Submit. The New Password page appears.
6. Enter your new password.
7. Re-enter the password in the Confirm Password field.
8. Click or tap Submit. The Home page appears.

The only browser requirement is that your browser must be HTML5 compatible. We recommend updating your browser to the latest version available—not just to ensure compatibility with the online banking experience, but also to ensure that your online banking is as secure as possible. 

If an FSB associate is helping you troubleshoot an I-banking issue, they may also direct you to this link.  

Android8.X and later and iOS 13.X and later are supported mobile devices.