Online Banking FAQ
Online Banking FAQ
|What is FSB NetTeller?|
FSB NetTeller allows our customers a secure and convenient way to access their Farmers State Bank account via the internet.
|How do I sign up for FSB NetTeller?|
We are happy to now provide our customers with the convenience and security of our new online banking product, FSB NetTeller. Fill out a FSB NetTeller Application, sign it, and bring it in to the bank, or fax it to us at 970-842-5105, or mail it to us at P.O. Box 324, Brush, CO 80723-0324.
You may also come into the bank and pick up an Application and Agreement in person. We will process your application and get your User ID and Password to you right away. You should receive your FSB NetTeller User ID by mail within 2-3 business days. Then you will receive your Password in a separate mailing. Your identity safety is very important to us. We don't want to jeopardize that by sending your User ID and Password in the same mailing. If you have any questions, feel free to call any of our friendly staff at 970- 842-5101 during regular banking hours.
|Is there a fee for FSB NetTeller?|
|NO! FSB NetTeller is FREE! All you have to do is complete an application that's available at our facility.|
|How secure is FSB NetTeller?|
|State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted and access requires passwords that only you know. In addition, your account numbers and Social Security number are never displayed on the FSB NetTeller system. However, if you feel your information has been jeopardized in any way, please contact any FSB staff member at 970-842-5101 during regular banking hours.|
|What do I need to get started using FSB NetTeller?|
You need the following to get started banking online:
You will also need to signup for FSB NetTeller so that you can receive a User ID and Password.
|What kind of browser do I need and how do I know if mine has the right level of security and encryption for FSB NetTeller?|
|You will need a connection to the Internet and a Web Browser that supports 128 bit SSL encryption. Use the browser test link on our homepage, right below the NetBank login, to run a check on your current browser. Microsoft Explorer and Netscape Navigator versions 4.0 (or higher) as well as the new Firefox browser, support this type of encryption. You may contact these vendors for a free browser upgrade. FSB NetTeller works with all Windows and Macintosh operating systems that support the browsers listed above.|
|Why do I have to change my password to a minimum of 6 alpha-numeric characters?|
|As a security measure for your protection, Farmers State Bank requires all FSB NetTeller users to update their passwords and make them a least a minimum of 6 alpha-numeric characters. Your password will not expire but for security purposes, we recommend that it be changed every 90 days.|
|What happens if I forget my password?|
|You are allowed 3 attempts to enter the correct password before your account will be locked. If you cannot remember your password and/or you are locked out of the system, you have a couple of options to reset your password. You may access Farmers NetTeller to reset your password. You may also call any FSB employee at 970-842-5101 during regular banking hours, and upon proper identification, we will be happy to unlock the account and reset the password.|
|What happens if I open another account after I start using FSB NetTeller?|
|All you need to do is contact any FSB staff member during regular business hours to have your new account added.|
|Why does it say that my account is locked? And what do I do now?|
|As a security measure and for your protection, accounts will lock for several reasons such as inactivity or the incorrect password being entered three times in a row. If your account is locked, you may access Farmers State Bank NetTeller to reset your password. Or you may call any FSB employee at 970-842-5101 during regular business hours and, upon proper identification, we will be happy to unlock and reset the password.|
|I'm having trouble logging into my FSB NetTeller account. What do I do?|
There may be several reasons you are experiencing difficulty logging into your FSB NetTeller session. If you complete the ID and Password fields, and click "submit" and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete one of the following two options:
If that does not seem to clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose "Tools" then "Internet Option". On the "Internet Options" window, click on the tab labeled "Privacy". On the "Privacy" window, there will be a section titled "Settings", and there will be a slider on the left hand side. Move the slider all the way down until it says "Accept All Cookies". Click "OK" and close out the window.
Netteller Bill Pay FAQ
|When and how are the payments processed?|
|Payments submitted, recurring or one time, before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Payments received after 12 Noon on Monday-Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.|
|What happens if I have a scheduled payment that falls over a weekend or holiday?|
|If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.|
|Can I use Online Bill Payment if I live outside the U.S.?|
|Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.|
|Can I get a copy of a cancelled check?|
|Yes. You will need to contact the bank for this information.|
|How long is history retained in the View Payment History section?|
|Payment history for active and deleted payees is retained and viewable for 19 months.|
|How far in advance should I set up a payment to ensure it is paid on time?|
For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted. For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 2 AM CST processing. If the check payment is entered before 12 Noon CST, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
|Are there minimum and maximum payment amounts?|
|Electronic payments are validated against the available account balance prior to processing with a maximum limit of $500,000.00. Check payments maximum limit is $9,999,999.99.|
|Can I stop a payment?|
|Only check payments can be stopped after the check is printed and mailed. Payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.|
|Whom can I pay through Online Bill Payment?|
|You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.|
|What do the status fields indicate on the Payment History page?|
Processed - The payment has been processed and sent..
Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if it's a recurring payment and it expires, or if you delete the payment.
Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run.
Vendor Refund - Payment rejected at the electronic vendor.
|How many payees may I have set up?|
|There is no limit to the amount of payees you can set up through the Internet.|
|Can I edit Payee addresses?|
|You may edit the address of a CHECK payee only.|
|How do I know if a payee is electronic or check?|
|Once you have set up the payee, then you can look at the PAYEE LIST and you will see a field that will tell you if the payee is electronic or check.|
|What payment frequencies are available?|
You can set up payments in any of the following frequencies:
Weekly, Bi-weekly, Monthly, Semi-monthly, Quarterly, Annually, Semi-Annually
|When can you edit the dollar amount on a scheduled recurring payment?|
|You may edit the dollar amount the next business day after the scheduled payment date.|
|Can I postdate recurring payments?|
|If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.|
|Can I postdate a single payment?|
|Yes. Just set the payment for a valid future date.|
|Will the memo field I fill out when setting up a payment be passed on to the payee?|
|Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.|
|Are there any merchants that I cannot pay through the Bill Payment service?|
|No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.|
|When will the money be taken out of my account?|
For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST are debited the next day during bill pay processing.
CHECK payment funds are debited from the account when the check clears your account at the bank.
|What if I do not have enough money in my account?|
CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
|How late in the day can I enter, edit, or delete a payment?|
|You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.|