24 Hour Banking
24 Hour Banking
What Account Is In Your Best Interest?
When you trust your money to a bank, you want to be sure it's in an account that gives you the most for what you need. Farmers State Bank is proud to offer a variety of accounts to choose from. Whether personal or commercial, we would love the opportunity to assist you in finding the type of account just for you.
Enjoy private, easy, and convenient banking from your touchtone telephone. All you need is your Customer ID# and P.I.N.
|After hours, weekend or holidays||1-800-264-4274|
|During business hours||Contact your local branch|
- 24-Hour Banking Convenience
- Easy Transfers between accounts
- Loan Payments
- Private, easy & convenient banking from your touch-tone phone
Banking 24 hours a day from the privacy of your home or office using your Personal Computer. All activity is personal, confidential and completely secured. Register on-line or at any one of our branch locations.
- Account Balances and Historical Information
- Downloads to Quicken and Money
- Fund Transfers and Loan Payments
- Pending ACH and Auto Debit Transactions
With our Online Account Manager, you get easy access to all your Farmers State Bank accounts via the Internet. No matter where you are, Internet Banking lets you view your account and loan information, transfer funds between your accounts or even download it all into financial software programs (QuickBooks, Quicken, Microsoft Money and Comma Delimited). To access your account through Internet Banking, enter your User ID in the Online Account Manager on our homepage.
|ONLINE BILL-PAY (PAYLINKS) SERVICE DISCLOSURE|
|This service is provided by iPay, which is being offered through Farmers State Bank|
|You agree to authorize iPay to post payment transactions initiated from Farmers State Bank’s Online Banking Bill Payment Service to the account that you previously selected at the time of your Online Banking and/or Bill Payment registration. You are in full control of your account. Your use of the Bill Payment Service signifies that you have read and agree to the terms and conditions of this Electronic Bill Payment Service Disclosure. At any time, you decide to discontinue the service, written notification must be sent to Farmers State Bank at least thirty (30) days in advance of the date you wish to cancel your service. You can mail your written request to:
Farmers State Bank
Attn: E-Banking Department
P.O. Box 499
Groesbeck, TX 76642-0499
|The Monthly Fee Schedule for this service is as follows:|
|There is a monthly fee of $4.95/month for Bill Payment and there is no limit on the number of bills that can be paid. If you chose to participate in an Advantage Plan the fee for Online Bill Pay is reduced to $2.95/month. The Bill Payment Service is subject to approval. We reserve the right to adjust the monthly maintenance fee for the use of this service. Prior to fee changes, we will notify you in writing thirty (30) days before all changes go into effect. Your use of the service after the effective date of change confirms your agreement to the changes.
Termination of Services will occur if there is not activity for 90 days.
Items presented against non-sufficient funds (NSF) will result in the following fees: Farmers State Bank will assess an NSF Charge of $30.00/per item against your checking account should there be insufficient funds in your account at the time a bill payment occurs. Farmers State Bank will assess a per item charge of $30.00/per item that is presented for payment and returned unpaid. Customer initiated stop pays via iPay will not be charged. Stop pays initiated with Farmers State Bank will be charged $30.00.
|Payments of federal, state or local taxes are not allowed. Payment of funds for ALL bill payments (either by check or electronically) will be debited from your specified account ON THE DAY the payment is scheduled to be transmitted to the receiver. There is a difference between pay date and due date. The pay date is when the bank will start processing the payment which may take up to four (4) business days to reach the vendor electronically or ten (10) business days to reach the vendor by check. The due date is when the payment must arrive at the creditor. Farmers State Bank or iPay will not be liable for any service fees or late charges levied against you if the payment is not sent at least ten (10) business days before the due date. All payments made by Online Banking require sufficient time for the receiver to process the payment and credit your account. We suggest ten (10) business days.|
|You are responsible for any loss or monetary penalty that you may incur due to the lack of sufficient funds (NSF) or other conditions that may prevent the withdrawal of funds from your account. Farmers State Bank reserves the right to cancel this service at any time due to excessive NSF activity. Accounts with NSF activity will be blocked out of the service until the NSF item(s) have been corrected. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. Farmers State Bank will remove the block once the issue is cleared up and the payment is received.|
|If you have any questions, including how to schedule a payment or add a biller, call 1-855-345-9921.|
e-Statements are fast, safe, and a free way to retrieve your statements each month. With eStatements, you can view, print and save your monthly statements. eStatements look exactly the same as your paper statement and are accessed securely through Internet Banking. eStatements eliminate waiting for the postal service and having statements delayed by weekends or holidays. To begin receiving eStatements, Read the disclosure agreement below, print and fill out your account information, then turn it in to one of our conveniently locate banking centers. Also, electing to receive eStatements will waive your monthly Internet banking fee of $4.00 please contact your local Farmers State Bank representative for more details.
|E-STATEMENT DISCLOSURE AGREEMENT|
|E-Statement and Account E-Notice/Disclosure Agreement:|
|In consideration of the E-Statements to be provided by Farmers State Bank as described from time to time in information distributed by Farmers State Bank to its Customers, the undersigned Customer agrees as follows:|
|The undersigned hereby requests and authorizes Farmers State Bank to send notice of regular periodic account statement(s) to Customer or their agent, in lieu of a paper copy, in electronic format for all accounts designated in this agreement to be viewed through SERVICES via the Farmers State Bank'S Online Farmers State Banking Service or via E-mail Delivery Service with a Password. By utilizing the SERVICES, Customer agrees to be bound to all rules and regulations applicable to Customer's deposit account and any other contract for services at Farmers State Bank as established and amended by Farmers State Bank. Customer agrees to promptly review E-statement and notify Farmers State Bank of any errors within 60 days as described in 'In Case of Errors or Questions About Your Statement" disclosure.|
|Customer agrees to receive periodic account notice in an electronic format. Farmers State Bank will provide this information in a clear, conspicuous manner that Customer can print and/or store. The consent granted by this paragraph applies to all accounts identified in this agreement. Farmers State Bank will notify Customer of any material change in hardware or software required for retrieving or storing this disclosure information.|
|Customer understands their right to revoke this agreement and thereby withdraw consent to communicate with the Farmers State Bank electronically. In order to withdraw consent and terminate this agreement, Customer must notify Farmers State Bank in writing at the following address:
Farmers State Bank
Attn: E-Banking Department
P.O. Box 499
Groesbeck, TX 76642-0499
There are no fees associated with rescinding this agreement.
|Payments to a federal, state or local taxes are not allowed. Payment of funds for ALL bill payments (either by check or electronically) will be debited from your specified account ON THE DAY the payment is scheduled to be transmitted to the receiver. There is a difference between pay date and due date. The pay date is when the bank will start processing the payment which may take up to four (4) business days to reach the vendor electronically or ten (10) business days to reach the vendor by check. The due date is when the payment must arrive at the creditor. Farmers State Bank or PayLinks will not be liable for any service fees or late charges levied against you if the payment is not sent at least ten (10) business days before the due date. All payments made by Online Banking require sufficient time for the receiver to process the payment and credit your account. We suggest ten (10) business days.|
|Customer understands that Customer has a right to obtain a paper copy of any of the above-described E-Statements. To obtain a paper copy, Customer must make a specific request to the Farmers State Bank at the above address. Research fees specified in the Farmers State Bank'S Schedule of Fees and Charges may apply to Customer's request pursuant to this paragraph.|
|Customer agrees to notify the Farmers State Bank immediately if Customer is unable to access any of the information that has been delivered by the Farmers State Bank in an electronic form or manner.|
|Customer agrees to provide the Farmers State Bank with signed, written notice if Customer's e-mail addresses changes.|
|Farmers State Bank shall not be responsible or liable for:
To enroll for Internet banking service, please contact your local branch and complete an application and return it to the bank. We must receive this signed application before we can process your request.
|Electronic Funds Transfers|
|Type of Transfers|
|You may access your accounts by computer using your personal identification number (PIN) and your account number to: transfer funds from checking to checking-transfer funds from checking to savings, money market-transfer funds from savings, money market to checking-transfer funds from savings, money market to savings, money market – to make payments from checking to loan accounts with us – make payments from savings, money market to loan accounts with us- get information about checking, savings, money market account balances, deposits and withdrawals in the last statement cycle, and account balance of certificates of deposits and loans.|
|Limitations on Frequency of Transfers|
|Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers are limited to six (6) per month with no more than three (3) by check, draft, debit card or similar order to third parties. For security reasons there are other limits on the number of transfers you can make by computer.|
|You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month, in any case, you will get a statement at least quarterly.|
|Your Rights and Liabilities|
|Security of your transactions is important to us. Use of the Internet Banking Services will therefore require a PIN or password. If you lose or forget your PIN or password, please give us a call at (254) 729-3272 during regular business hours. We will accept as authentic, any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or password is lost or stolen or if you believe someone else has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Internet Banking services. You may change your password at anytime by using VoiceLinks. We may be liable for certain security breaches to the extent required by law and regulations. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Internet Banking services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you).
You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction.
If any unauthorized use of your PIN or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfers of funds.
Notify us immediately if you believe your PIN or password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all of the money in your account (plus your maximum line of credit). If you tell us within two (2) business days you can lose no more than $50.00. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any funds you lost after the sixty (60) days if we can prove that we could have prevented someone from taking the funds if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (254) 729-3272 during regular business hours.
WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.
|Error Resolution Notice|
|In case of errors or questions about your electronic transfers please contact one of the banking centers (listed below)|
|Groesbeck||121 S. Ellis, P.O. Box 499, Groesbeck, Texas 76642||(254) 729-3272|
|Fairfield||360 W. Commerce, Fairfield, Texas 75840||903-389-7999|
|Jewett||523 South Main, Jewett, Texas 75846||903-626-4008|
|Kosse||104 N. Naracissus, P.O. Box 37, Kosse, Texas 76653||254-375-2203|
|Mexia||605 W. Milam, Mexia, Texas 76667||254-562-9494|
|Thornton||Highway 14, P.O. Box 158, Thornton, Texas 76687||254-385-6400|
|Wortham||110 W. Main Street, P.O. Box 216, Wortham, Texas 76693||254-765-3338|
|Notify us immediately if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error first appeared.
|If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.|
|We will determine whether an error occurred within ten (10) business days (20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for new accounts or point of sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (20 business days for new accounts) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account for thirty (30) days after the first deposit is made.|
|We will tell you the result within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.|
|We may disclose information to third parties about your account or the transactions you make
|Limitations of Liability||Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by the Internet Banking services or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.|
|Waivers||No waiver or the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank.|
|Assignment||We may disclose information to third parties about your account or the transactions you make
|Governing Law||The laws of the State of Texas shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.|
|Indemnification||Customer, in consideration of being allowed access to the Internet Banking Services, agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of the Internet Banking Services, to the extent allowed by applicable law.|