Q: What is Online Banking?
A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Online Banking?
A: You can view account balances and transaction history, transfer money between FSB&T accounts, and download transactions to a personal financial planning software and much more. Check out the Online Banking Demo to see all the features of Online Banking and how you can personalize your online banking experience. You can also sign up for Online Bill Payment that allows you to pay your bills quickly and easily! Click here for more information on Bill Payment.
Q: How do I signup for Online Banking?
A:
From our website, click the Bank Online link. This takes you to the login page. Find "First time users, click here" link. Complete the registration form and submit. You will get an email confirmation that your registration is complete.
We will process your registration. When your registration has been approved, you will get another email letting you know that you will be able to access your online banking on the next business day. You will use the User ID and Password that you created during the registration process to login. You will be automatically enrolled in our free Online Bill Payment unless you check the box and opt out.
Q: When can I start to use Online Banking after registration?
A: The cut off time for registration is 4:00pm CST Monday through Friday not including federal holidays. When your registration is received prior to the cut off time, your Online Banking is ready to use the next morning. However, applications submitted after 4:00pm won't be ready until the morning after that.
Q: When do I have access to use Online Banking?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week! However, we occasionally perform maintenance which may allow the Online Banking to be temporarily unavailable.
Q: Is any of my personal information stored in the Online Banking product?
A: Yes, the Online Banking product encrypts and stores your User ID, password and user preferences. However, Customer Service Representatives do not have access to your password and user preferences for your security.
Q: How current is my banking information?
A: Your account information is constantly updated with new transactions that post to your account.
Q: What accounts will I be able to access through Online Banking?
A: You can access any of your checking, savings, and loan accounts from FSB&T through Online Banking. Our Internet Banking is intended to give you as much access, security, and versatility as possible.
Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can change the default time frame. You can also customize reports to show as little or as much information as you want.
Q: How far back can I see my transactions?
A: You can view any transactions on Online Banking that are within the last 12 months or since you've registered for Online Banking, whichever is the most recent.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: Can I change the name of my accounts?
A: Yes. By default, each account within Online Banking is given the account type as its nickname ("Savings", "Regular Checking", "CD", etc). However, you can change these names to more descriptive names. Inside the "User Options" select the "Change account nicknames" link. Type in the nicknames you want and click on "Change". Remember that these names are only within Online Banking.
Q: In what formats can I download my transaction history?
A: Online Banking supports downloads in the formats ofx, qis, qsx, and cvs. Please see your personal financial managment software manual for compatibility.
Q: Are there any requirements to keep my Online Banking account?
A: The system requires that you use your Online Banking at least once every sixty days, or access will be canceled for your protection. Additionally, we reserve the right to cancel your online banking account access if we suspect your account has been compromised or misused. If you want to cancel the service at any time, please contact us.
Q: What happens if I forget or lose my password?
A: When you login the first time, you will be asked to answer 2 password verification questions. These questions allow you to change your password if you forget it. Simply click on the link in the login box and answer the 2 password verification questions correctly, and then you can reset your password. However, if you can't remember the answers or you opted out, just contact us at any of our branch locations during business hours and we will be able to reset your password.
Q: What if I'm having problems logging into my account?
A: One of the following may be occurring:
~If you are getting a "customer validation error", that means you are entering the wrong password. Passwords are case-sensitive, so check if your caps lock is on.
~If you are "locked out", contact us and we will unlock your account.
~If you are receiving a "cookies not accepted" error, your cookies may be corrupted. Follow your browser's instructions for deleting temporaty internet files and cookies.
~If you are still receiving errors, there might be a problem with your browser version. You may need to install a new browser.
After following these steps, if you continue to have a problem, contact us.
