Digital Banking FAQ

Mobile FAQ

What are the restrictions on the type of mobile devices that can be used to access accounts?

 FSB Mobile works with any web-enabled phone that allows SSL traffic. Contact your service provider to determine if your device allows SSL traffic.

What functions can I perform from my mobile device?

With FSB Mobile, you can:

  • View 30 Days of Transaction History
  • Transfer Funds between FSB accounts
  • View Account Balances
  • Pay Bills to existing Payees
  • View Alerts

How do I know if my transfer or bill payment was entered successfully? 

Each time you make a transfer or bill payment, a confirmation Email or Text Message will be sent to your mobile device. If you do not receive a confirmation message, double check to make sure the transaction went through.

What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.

Why can't I add a new Payee?

To add a new payee, log in to the FSBMobile app, select Transfer & Pay, choose Manage Billers, and Add New Biller. You can then submit payments to that payee via the mobile device.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an Email or Text Message as confirmation that the transaction was successful. If you do not receive this message, check your accounts and re-submit any transactions that did not process.

How can I search for a transaction?

You will only be able to view 30 days worth of transaction history on your mobile device. To search transactions, select the account to view transactions and tap the magnifying glass at the top right hand corner.

How is FSB Mobile secure?

No detailed information is sent through FSB Mobile Banking. You choose to set nicknames for accounts instead of account numbers. No account data is stored on the mobile device, so when you log out of mobile banking, the session ends.

What do I need to do if I get a new phone?

If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or numbers, log in to FSB's Online Banking and update your information on the Profile tab>Mobile Banking>Manage Devices. You will not receive Text Messages regarding Mobile Banking transactions if your phone number is not correct.

How much does FSB Mobile Banking cost?

There are no fees to use or access FSB Mobile Banking. Please check with your wireless provider about carrier and web access charges.

Can I use any mobile device to access my accounts?

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic.


How do I delete a Bill Payment that I set up through my mobile device?

You must log in to the FSBMobile app, select Transfer & Pay, tap Payment Activity, find and select the pending payment, and choose Cancel Payment.


When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?

Check your phone's settings to make sure you don't have Alpha-only enabled on the keypad.

What if I can't get my mobile device to work with Internet Banking?

There are a number of reasons that you may experience trouble accessing the mobile version of Internet banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:

  1. Your mobile device must be web enabled.
  2. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

Are text commands case-sensitive?

No, commands can be sent in lowercase (bal) or all capital letters (BAL).

Mobile Deposit FAQ

What is FSB Direct and how do I access it?

FSB Direct allows anyone with a deposit account at First State Bank and a smart phone to deposit checks from anywhere.

  • Sign in to the FSB Mobile app and click the deposit button
  • Touch "Deposit a check" and follow the onscreen instructions
  • Choose the account you would like to deposit into
  • Enter the dollar amount of the check
  • Endorse the back of the check with "Mobile Deposit Only", your name, and your account number.
  • Take a photo of the front, then the back of your check
  • Click Make Deposit


What kind of checks can I deposit?

We'll accept U.S. personal, business, and federal checks. We will not accept foreign checks or savings bonds through FSB Direct.

Are there any fees to use FSB Direct?

Nope, FSB Direct is a convenient way for you to deposit checks into your First State Bank accounts faster.

What should I do with my check after I deposit it?

After you receive an email from us confirming we have received the image, securely store the check for 14 days. After 14 days, destroy the check by first writing VOID across the front of the check then shredding it.

When will my check deposit be available?

When an image of an item you transmit through FSB Direct is received and accepted before 4:00pm Central Time on a business day that we are open, we consider that day to be the day of your deposit and your funds will generally be available after 6:00pm. If funds are deposited after 4:00pm, we will consider that the deposit was made on the next business day we are open.

I deposited my check into the wrong account, what should I do?

Once the deposit becomes available, you can transfer the money into the account you want through the FSBMobile app, and because it is an internal transfer, the funds will be available immediately.

What would cause my check to be rejected?

There are a few reasons why your check would be rejected. Here are a few examples:

  • We can't read your check
  • The corners of your check are cut off
  • The image is too light or too dark
  • Information on the check is unclear
  • Your check is greater than the deposit limit
  • You are missing a signature on the back
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