Do I have to be a First State Bank customer to use Online Banking?
Yes. To access our Online Banking product, you do need to have an active account with First State Bank. 

What browsers are supported for Online Banking? 
The following browsers are supported for online banking:
Browsers Supported for Online Banking

It is important to stay up-to-date with the latest version and security updates for the browsers you are using. The following links are provided for your convenience and more information:
How secure is First State Bank's Online Banking?
The server that stores your First State Bank account information uses Verisign Secure Site protocol. This security encrypts the data, sending it in a scrambled format, making it difficult to see your information. To ensure that the information is being sent from a secure server, the address will start with https:// rather than http://. Also, you will see a closed padlock at the bottom of your screen when receiving the information from an SSL server securely.

How do I enroll and sign in to Online Banking and Online Bill Payment services?
If you are an existing First State Bank customer, you may ENROLL NOW for Online Banking. During the enrollment process you will be required to enter specific information regarding one of the following account types as part of our customer verification process. If you select one of the following account types and the information you provide is successfully verified, you will receive instant online access:
  • ATM or Debit (Money) Card - You will need your card number and personal identification number (PIN) to sign up.
  • Checking, Savings or Money Market Account - You will need your account number and last statement balance to sign up.
  • Loan Account - You will need your account number, last payment amount and original principal amount to sign up.
Otherwise, if you select one of the following account types, you will receive additional information from First State Bank in the mail before you can access your account online.
  • Line of Credit Account
  • Certificate of Deposit (CD) Account
  • Business Account - You will need to provide your business name exactly as it appears on your account statement. 

What happens if I forget my password? 
Call our 24-hour Customer Care Center at 1-877-557-3636. Once you receive your reset password, you will be prompted to change your password the first time you sign in. Passwords are case sensitive and must be at least 8 characters and contain at least 3 of the 4 following types of characters: UPPER case, lower case, number (1234567890), symbols (!@#$%^&*). The maximum length for a password is 32 characters.

You can change your password at any time after that by using the "Change Password" feature within the Administration section of the Online Banking.

How often will I be required to change my password?
You will not be required to change your password, however please note that changing your password every 90 days is highly recommended as an additional security measure. The new password you create will be required to be unique from your previous passwords.

What happens if I forget to sign off of Online Banking? 
If you go to any other site without logging out, you are still active and can use the back button in your browser to return to an active session as long as it is within 20 minutes of leaving the Online Banking site. After 20 minutes, the automatic logoff takes effect. If you close your browser window without logging off, you will automatically be logged off.

How does Online Bill Payment Work? 
Online Bill Payment is a service that allows you to set up bill payments to businesses and individuals. Once you enter a payment instruction in the system, the request is submitted to Online Bill Payment Services (8:00 p.m. CST, Monday through Friday). The following business day of the date you requested for the payment, your payment is sent via check or electronically and the funds are deducted from your checking account. 

Can I use Online Bill Payment from outside of the United States?
Yes. As long as it is made payable to a United States payee (which includes Guam, Puerto Rico, U.S. Virgin Islands, and international U.S. military bases) in United States dollars. 

Are there any payments that I cannot make using Online Bill Payment? 
Payments cannot be made in foreign currency or to international payees. For payments to US government agencies, Online Bill Pay has limited ability to research any issues that may arise due to the government's strict adherence to the Consumer Privacy Act. Online Bill Payment will not be responsible for any late fees or penalties that may be incurred by these types of payments.

Which account can I use to pay bills? 
Demand Deposit Accounts (DDA and NOW) are the only type of account you can use to pay bills.

How long is Bill Payment history kept?
Bill Payment History is kept for 60 days.

Do I need to contact my payees to tell them I am using a bill payment service? 
No. Your payees do not need to do anything different to process online bill payments. Online Bill Pay uses the ACH electronic network or a paper check with your payment information clearly indicated.

How do I add a payee (merchant/vendor)? 
Use the Payee Search list within the product to find and add your new payee. If the new payee is not listed, simply select Manually Enter Payees and enter the required information.

How long does it take to set up a new payee on Online Bill Pay? 
Once the new payee is entered on the Online Bill Payment System, you can use the payee immediately.

How do I know if a payee is set up to be paid electronically or by check? 
When you conduct a Payee Search, electronic payees are indicated by a message under Payee Name that the payee "Provides EPayments". Also, when a bill payment is made electronically, a little "e" is displayed on the "Make Payment" screen. If only the payee's name appears under Payee Name, that payee currently accepts only paper check payments, and a picture of a check is displayed.

Can I make multiple payments to the same payee on the same day? 
Yes, you can make multiple payments to the same payee on the same day as long as the payment amounts are different. For your protection, the system will not pay duplicate items for the same payee on the same day.

How do I delete a payee? 
Cancel all scheduled payments for the payee by accessing the Pending Payments screen and clicking the scissors icon under the Edit column. Then, select the payee you want to delete by clicking on the scissors icon.

What does a payee receive with my payment? 
Your payee will receive either an ACH electronic payment or a paper check. In either case, the payment is appended with the information that you have provided, such as your name and account number with the payee, so the payee can properly credit your payment.

When should I set up my payments to make sure they are paid on time?
Minimum payment "lead times" will be provided based on whether the payee accepts electronic payment (designated by an "e" symbol) or paper check payment (designated by a paper check symbol). Payments to electronic payees should be scheduled a minimum of 3 days before the payment due date. For paper check payments, payments should be scheduled a minimum of 5 days before payment due date.

When will the money be taken out of my account for a bill payment? 
Normally, funds are deducted from your account 1 to 2 business days after the scheduled payment date.

How far in advance can I schedule payments? 
You can schedule a payment up to 364 days in advance.

How late in the day can I enter, edit, or delete a payment?
Cut off time is 8:00 p.m. CT. Any new bill payments entered by that time will be accepted for processing that day, unless they are future dated, in which case they will remain in the pending queue until 8:00 p.m. CT on that date. Payments entered after this cutoff will be processed on the next business day.

How often does a payment processor make payments?
Payments are processed Monday through Friday excluding holidays.

What happens if I schedule a payment that falls on Saturday, Sunday or a Holiday? 
It is processed the prior business day.

How do I set up recurring payments? 
Once your payee is set up, you can select how often a bill is to be paid (for example, the 15th of every month) and the amount. This feature is used for recurring payments of identical amounts, such as a car or mortgage payment.

How do I know when my payments have been made? 
Preview the Bill Payment history screen.

Can I make changes to an already scheduled payment?
If the payment is still pending, changes can be made. However, once the payment has been transmitted, you can no longer make changes to or delete payments.

When can I cancel a payment? 
You can cancel or modify your payment online at any time before the cutoff time of 8:00 p.m. CT on the payment transaction date.

Can I place a stop payment on a bill payment that I have already set up? 
You yourself cannot place a stop payment on a bill payment. If the payment has been processed and is a paper check that has not yet cleared, you can call the Customer Care Center at 1-877-557-3636 and they can place a stop payment on it for you.

What do I put in the "TRANSMIT DATE" field?
For a future dated payment this should be the date that you want your payment to be transmitted. This is the date the payment is extracted for processing.

What if my payee says they have not received my payment? 
Contact the Customer Care Center at 1-877-557-3636 who will research your payment, contact the payee, or provide you with proof of payment.

Can I get a copy of a canceled check? 
Contact the Customer Care Center at 1-877-557-3636 to request a copy of a bill payment check. A fee may apply.