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Internet Banking FAQs

We want to make it even easier for you to bank with us. By using Internet Banking and our Bill Pay service, you can do your banking from the comfort of your own home or office.

The Basics:
Internet Banking is Free. It allows you to do the following things:

  • 24-hour access to your account
  • Make a First State Bank and Trust loan payment
  • Download data to your own cash management software
  • View transaction history
  • Transfer money between your accounts

BillPay Basics:

  • Payments can be delivered by check or electronically
  • Payments will be received within 7 days if sent by check or 3 days if sent electronically

It's Secure:

Your account information is just as secure as it is at our physical bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software. Access requires passwords that only you know. You are encouraged to change your password regularly and keep this number private.

System Requirements:

You can use any PC or Mac with a modem, secure web browser and internet provider. To ensure a continued smooth experience while banking online, it is recommended that you update your browser to the most current version.
Internet Banking FAQs

What Can I Do With Internet Banking?
With Internet Banking, you have a First State Bank and Trust branch everywhere you have an Internet connection. Now from the convenience of your home, office, hotel room or wherever your travels may take you, you can visit your First State Bank and Trust accounts. All you need is Internet access and a browser that supports 128-bit encryption, such as Mozilla Firefox or Microsoft Internet Explorer. Both can be downloaded for free from the Internet.

Services Offered
Comprehensive account services are available with Internet Banking, including:

Account Information
View any of your First State Bank and Trust checking accounts, savings accounts, certificates of deposit, IRAs or loans.

Transaction Inquiry
View account history.

Transfer Funds
Move funds between your First State Bank and Trust accounts.

Update Personal Information
Change Net Teller ID and PIN
Change display names on accounts.

How Do I Apply?
Stop by any First State Bank and Trust office. If you have any questions, please feel free to contact customer service at 651.439.5195 or 651.439.2655.

BillPay FAQ

Who can I pay through First State Bank and Trust BillPay?
You can pay ANYONE in the United States from the next door neighbor, the utility company, the bank, and even a child in college across the country.

Are there any merchants that I cannot pay through the bill payment service?
Yes. You cannot pay any government agency.

Can I use First State Bank and Trust BillPay if I live outside the United States?
Yes, as long as you maintain your checking account with First State Bank and Trust.

Can I get a copy of a cancelled check?
You can request a copy through Customer Service. There may be a fee associated with this service.

What happens if I lose or forget my ID or PIN?
If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget your PIN, you must follow the same procedure and a new PIN will be generated and given to you.
Payee FAQ

Payee, a definition
A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage company, department stores, and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store, and your favorite charitable organization.

How many payees may I have?
You may have up to 99 payees that you can set up through First State Bank and Trust BillPay. If you need more than 99 payees, please contact Customer Service.

When will the money be taken out of my account?
The money will be withdrawn out of your account approximately two business days after the payment date you have set.

What if I do not have enough money in my account?
First State Bank and Trust will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.

Can I edit vendor addresses?
No. You will have to set up a new vendor with the correct address and delete the old one.

How do I know if a merchant is electronic or check?
Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.

Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies: Weekly, Semi-Monthly, Monthly

Will the memo field that I fill out when setting up a payment be passed on to the merchant?
No. The memo field is for your personal records, however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.
Payment Q&A

When is the Due Date?
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee.

How far in advance should I set up a payment to insure it is paid on time?
Check payments should be scheduled 5 business days in advance of payment due date. Electronic payments should be made 3 business days prior to the payment's due date. *NOTE - You may want to set up a payment to yourself so you can see how the system works.

What is the Scheduled Date?
The scheduled date is the day you would like First State Bank and Trust BillPay to start the process of sending your money to the payee.

How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date.
Recurring payments can have an end date of any year in the future.

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

Can I stop payment?
Yes. You will need to call Customer Service.