- Free, secure, and easy-to-use service for First State Bank customers
- Manage a number of banking activities anytime, anywhere with internet access:
- Access e-Statements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- View checks written
- Make loan payments
- Manage or suspend your ATM or debit card
- And more!
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
For your additional security, we have recently added a new feature where new online banking customers will be prompted to set up a password reset question and answer when they first log into their new account.
Want to know more? Download our step-by-step online banking guide.
After how many invalid logon attempts will I be locked out of Internet Banking?
Three invalid logon attempts will lock you out of Internet Banking. Contact your local banking center for more information.
Am I able to use Internet Banking if I only have a CD, Loan, or Savings Account?
Yes. If you have any account - CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment.
How do I add or delete an account from Internet Banking?
The change can be made through any customer service representative at any of our locations.
Am I able to reset my Internet Banking Account (not Bill Payment)?
Contact your local banking center for more information.
How will you guarantee the security of my banking information?
First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.
If I have a question about Internet Banking whom should I call?
Contact your local banking center for more information.
What do I need to gain access to Internet Banking?
User ID, Password, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.
What does Internet Banking cost?
Internet Banking is free to all customers. Bill Payment is free to all customers.
What happens if I lose or forget my ID or Password?
Contact your local banking center for more information.
What services are offered through Internet Banking?
- Unlimited in the numbers and types of accounts to access.
- Transfer funds electronically between all checking and savings accounts (regulatory limitations may apply).
- Transfer funds electronically between checking/savings and loan accounts allowing for Interest / Principal payment distribution.
- Transfer funds electronically between lines of credit (Cash Reserve) and checking.
- Statement information on all deposit and loan accounts.
- Check Imaging statement retrieval with front and back images on all cancelled checks.
- Obtain account information on your Checking, Savings, CD's, and Loans.
- Download "real time" transactions from any accounts to industry standard money management software.
- Bill Payment Option – access the designated checking account to pay most bills.
Will Internet Banking be available to me at all times?
It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.
How do I get Internet Banking?
You can start Internet Banking by visiting any Customer Service Representative at any branch location, or by obtaining an application online. The application must be printed, completed, and turned into your local banking center.
The first time I logged into my online banking account, I was asked to set up a password reset question and answer. Is this normal?
Yes. As an additional security feature, all new online banking customers will now be presented with a password reset question and answer. All you have to do is select your preferred question and answer and hit "submit".
When I log into my online banking, the screen looks different. Is this normal?
Yes, the online banking has a new look and feel and also includes an account "summary" page that you will now see upon logging in. Beyond that, all functionality remains the same.
What options do I have when it comes to ATM/Debit card management?
You can now activate your ATM/Debit Card, Reorder your ATM or Debit Card (active cards only), Suspend your ATM or Debit Card or report as lost or stolen.
Are there any merchants that I cannot pay through the bill payment service?
No. Any merchant that is in the electronic data base can be paid electronically. If a merchant is not on the list you may send the payment as a check.
We do not recommend paying government agencies for payments such as child support, alimony or checks to the I.R.S., because of limited resources to research such payments.
International payments are not permitted.
Am I able to have multiple payments to the same payee on the same day?
At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.
Am I able to get a copy of a cancelled Bill Payment check?
Yes. You will need to contact the bank for this information.
Images are available for all processed checks.
How do I know if a merchant is electronic or check?
Once you have set up the payee, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is “Electronic” or “Check”.
How far in advance should I set up a payment to ensure it is paid on time?
For an ELECTRONIC PAYMENT, allow 3 to 4 business days from when the payment is submitted.
For a CHECK, we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 12:00 Noon CST. (This is the same as if you wrote a check out of your checkbook, and put it in the mail on the same day). Allow 7 to 10 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
How late in the day am I able to I edit or delete a payment?
You may add, edit, or delete a payment up to 3:00 PM EST on the day the payment is scheduled to be sent. iPay processes payments at 8:00am and 3:00pm Eastern.
How long is history retained in the VIEW PAYMENT HISTORY section?
Payment History records are kept for 18 months.
How many payees may I set up?
There is no limit to the amount of payees you can set up through the internet.
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.
- Communication Failure – There was an error due to communication problems.
What happens if I have a scheduled payment that falls over a weekend or holiday?
The iPay system will not allow a weekend or holiday to be selected. For recurring payments it will pay either before or after depending on which option the user chooses when setting this up.
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 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 altogether or the funds are in the account to make the payment.
