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Online Banking FAQ

Online Banking:

What can I do with Online Banking?

You can transfer funds between existing accounts within our bank, view account information, download transaction information to a spreadsheet, word processing document, or money management software, stop payment on a check and make payments on loans at First State Bank.

What is money management software?

Money management software is software that helps you keep track of your finances. Some examples are Microsoft Money® and Quicken®.

How do I access Online Banking?

After you have signed up for the service and have received your personal login by mail from us, visit our web site and enter your login in the Online Banking box.

Do I need any special software installed on my computer?

No. All you need is Internet access via an Internet Service Provider (ISP) and an Internet browser.

What is an Internet Service Provider (ISP)?

An ISP is a company that provides Internet service to customers like you. Without an ISP you will be unable to access the Internet.

What is a browser and how do I get one?

A browser is software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows. You can also ask your ISP for more information on browsers.

When are Online Banking transactions updated to my account?

Because Online Banking is in "real time" the transactions are updated immediately.

When will regular bank transactions show up on Online Banking?

Regular bank transactions will show on Online Banking the following day.

Can Online Banking be set up as a joint account?

No, however if the Bank account is a joint account it is acceptable for both account holders to share one Online Banking account.

What happens if I forget my Online Banking PIN?

You can call our Customer Service Department and ask them to reset your PIN at (307)322-5222.

Is there a fee for using Online Banking?

There is no fee for Online Banking.

Will my transfer post the same day?

Yes, as long as the transfer is performed before 8:00 p.m. MST otherwise it will post the next day.

Online Banking Business:

Can more than one user access the accounts for my business?

Yes. Online Banking Business provides administrative functionality that allows the designated account administrator to grant access to additional users. There is no limit on the number of users that can access your online account.

Can wire transfer and ACH capabilities be setup with dual control?

Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability, dual control can be accommodated for all functions.

How far in advance should ACH batches be initiated?

In order to ensure that the funds in an ACH batch reach their destination, you need to initiate the batch by 4:00 PM MST one business day prior to the effective date. The transaction will not post to your account until the effective date.

Are there any time restrictions for wire transfers?

Yes. To be included on the current day's business, a wire transfer must be initiated by 2:00PM MST.

Online Banking Bill Pay:

Whom can I pay through Online Banking Bill Payment?

You can pay ANYONE in the United States... your credit cards, utility companies, loan payments, and even a child in college.

How far in advance should I set up a payment to insure it is paid on time?

Payments should be scheduled 7 to 10 business days (3 business days for electronic payments) in advance of when you want the payment to actually be paid.

When will the money be taken out of my account?

For electronic transactions, the money will be withdrawn from your account on the payment date you have set. For transactions processed by check, the money will be withdrawn from your account when the check is presented for payment by the payee. Your account will never be debited before the payment date you have set.

What happens if I have a scheduled payment that falls over a weekend or holiday?

Scheduled payments that fall over a weekend will be processed on Friday. Any new payments that are scheduled over the weekend (Sat-Sun), for the current weekend, will be processed on Monday. Holiday processing is done the next business day.

What if I do not have enough money in my account?

The bank will treat bill payment check transactions like any other check you write. Electronic transactions will not be sent until the funds are available.

Can I schedule recurring payments?

Yes. You may schedule both one-time and recurring payments.

How late in the day can I enter, edit, or delete a payment?

You may add, edit or delete payments anytime. Transactions that need to be processed on the current day need to be entered by 11AM MST.

Can I have multiple payments to the same payee on the same day?

You can make multiple payments to the same person as long as the payment amounts are different. For your protection, the system will not pay duplicate items on the same day.

Can I stop a payment?

Yes. You can contact our Customer Service Department at (307)322-5222 or you can add the stop payment via your online banking account. You will only be able to place a stop payment on checks, not ACH items.

Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you have a checking account with our bank.

Can I get a copy of the cancelled check?

You can request a copy of any check by contacting our Customer Service Department at (307)322-5222. There may be a fee associated with this service. You can also look at a copy of the cancelled check via your online banking account if it occured in the past 90 days.

How many payees may I have set up?

You may have as many payees as you wish.

Can I edit payee addresses?

Yes. You can select the payees and use the edit function.

Is there a fee for using Bill Pay?

There is no fee for Personal Online Banking Bill Payment, fees do apply for Business Online Banking Bill Payment.

e-Statements:

What are e-Statements?

An electronic version of your bank statement is called an "e-Statement" and an electronic version of a bank notice is called an "e-Notice." Together "e-Statements" and "e-Notices" are "e-Statements." You can view, print, and download e-Statements right from your computer.

What are the benefits of e-Statements

The benefits of e-Statements include:

Receive your statement or notice electronically instead of via the U.S. Postal Service. Avoid the wait for traditional mail and end paper clutter.

Available on personal and business accounts.

Secure - confidential financial information is not mailed to you, just an email notice that your e-Statements are ready to be viewed.

You may store your statements or notices electronically - no more paper to store.

Your statements will be retained online for up to 18 months at a time.

It's fast, easy and free!

What is needed to access e-Statements?

You will need Internet access with email capabilities in order to receive electronic statements. You are required to have Microsoft Internet Explorer 7.x or higher. Other supported browsers include: Firefox 3.x or higher and Mac Safari 1.0 or higher. Mac Safari is the only internet browser supported for Mac PCs.

Adobe Acrobat Reader version 6.0 or higher is also required in order to read the statements.

Will my e-Statements have the same information as the paper version I previously received?

Yes, your e-Statements and e-Notices will contain all the same information as the paper versions including check images and any important notices from First State Bank.

Will I continue to receive my paper statement or notice in the mail?

You will receive your statement and notices via email and US Mail the first month after enrollment. After that, they will be delivered solely via email notification.

When can I view my e-Statements?

Customers receive notification via email that their statement or notice is ready for viewing. Simply click on the secured attachment in the email notification or log in to your Online Banking account at www.fsbwy.com. Enter your Online Banking ID and Pin. Then click on the e-Statements tab to view your list of statements.

How do I enroll in e-Statements?

If you are a current Online Banking customer, select the e-Statements tab and follow the prompts to enroll. If you are not an Online Banking customer, click on enroll to complete the Online Banking enrollment form. You may also start the Onling Banking or e-Statement enrollment process via telephone at 307-322-5222, or stop by any branch location. After you receive your Online Banking ID and Pin, select the e-Statements tab and follow the prompts to enroll.

How long are e-Statements available for viewing?

Access up to 18 months of e-Statements for each account enrolled. If you are newly enrolled, your e-statements will start from the date you enrolled. You will also have the ability to save your statements. It is your responsibility to retain your e-Statements by printing the PDF attachment or by saving the PDF file to your hard drive or other storage medium.

What if I accidentally delete my e-Statements email notification? Can I still view them?

Yes. Access the e-Statements tab via Online Banking within 18 months.

How do I save my e-Statements for future reference?

Your e-Statements can be retained by printing the PDF attachment or by saving the PDF file to a folder on your hard drive or other storage medium.

Can I request older statements or notices if I didn't save them?

Yes, please contact your local branch or a Customer Service Representative at 307-322-5222. Fees may apply. See the current fee schedule for more information.

Is my financial information secure?

Yes, your information is protected with the latest security features (128-bit encryption) and requires a password to access the information. A security phrase only known by you is used as an additional layer of protection. This ensures that your private information stays private!

May I grant access to additional recipients (i.e. my accountant, trustee, Power of Attorney, etc.)?

Yes. You will have the ability to establish three additional recipients to receive your e-Statements. To add additional recipients click on the e-Statements tab, select "Additional Recipients" and click on "Add Recipient."

How do the additional recipients access my e-Statements?

It is your responsibility to establish and maintain their ID, password, and email address. If they forget their password, or become locked out, they must contact you to obtain access again.

What if my email address changes?

To continue receiving the email notice of your latest e-Statements, you will need to update your email address via Online Banking. Click on the Options tab to update this information. You can also update your email address by calling 307-322-5222 or stopping by any of our branch locations. It is important to maintain a current email address.

Who should I contact if I can't access or don't receive my e-Statements?

If you cannot access your e-Statements or you forget your password, you can contact us through our Secure Message on Online Banking or call 307-322-5222.

How do I discontinue e-Statements?

Contact us through our Secure Message on Online Banking, call 307-322-5222, or stop by any of our branch locations.

What is Adobe® Reader™ and why do I need it?

Adobe® Acrobat® Reader™ is free software used for viewing and printing electronic forms. You will need this software installed on your computer in order for your computer to download, display, or print your statement and images. Click here to download the latest version of Adobe® Reader™.