Online Account Opening FAQs
We’ve put together a list of handy FAQs to help you with Online Account Opening. And don’t forget, if you’re still having trouble, you can always call 305-293-6805, or email us with any questions.
What information do I need to start my online application?
We'll ask you and your co-applicant(s) (if applicable) to provide personal information such as Social Security Number, drivers’ license or state-issued ID number, contact information (such as name, address and phone number) and account funding information. You and your co-applicant (if applicable) also must be a U.S. citizens or existing First State Bank customers.
Is a minimum deposit required to fund an account?
Yes. You'll need to make a $50 deposit in order to open an account online.
How can I fund my account?
Accounts can be funded in several ways: debit or credit card, external bank transfer or transfers between existing First State Bank checking or savings accounts. Before you submit your online application, we'll ask you to provide information about your debit or credit card, external bank account or your existing First State Bank checking or savings account you want to use to fund your new online account.
How soon will my account be funded and available for use?
Typically, we can fund your new account by the next day, depending on the funding method used. The funds will be available for use once the account is opened, which is typically within the next business day.
Can I deposit cash?
To fund the account initially, you can use your debit or credit card, external bank account or existing First State Bank checking or savings account. Once your account has been set up you can deposit cash by visiting a Branch or by using any FSB ATM.
When will I receive my new debit card?
You will receive your debit card in the mail within 7-10 business days. However, if you need a debit card immediately, you can request a temporary debit card by calling the online banking call center at 305-293-6805 or visiting the nearest branch.
How will I add money to my Checking Account?
There are several ways to add money to your account:
- Transfer money online between a First State Bank accounts and another account you have at other institutions
- Deposit a check with mobile check deposit
- Use direct deposit to set up your paycheck or Social Security deposits.
- Wire transfer
- Using our ATMs for depositing cash or checks
- Visiting a branch
How can I access the money in my online Checking Account?
You can access your online account, make payments or move your money from your computer, laptop, tablet or mobile device at anytime, anywhere. You can also:
- Use a debit card or checks for purchases and payments
- Make payments using free online Bill Pay
- Get cash back when you shop with your debit card
- Deposit cash or checks and get cash from our ATMs
- Transfer money between your FSB accounts
- Transfer money from your FSB accounts to accounts you have at other institutions
- Get a cashier's check at any of our Branch locationBottom of Form
- Use the Presto network for getting cash at over 1,100 Presto ATMs in Florida, Alabama, Georgia, North & South Carolina and Tennessee.
Is there a daily ATM withdrawal limit with FSB's Checking Account?
Yes. For your protection, daily withdrawal limits are set up. You can withdraw up to $1,000 a day from FSB ATMs. Presto limits are $600 per transaction. If you need a temporary limit increase, you can request it by contacting our office. Certain conditions and restrictions may apply.
Is FSB Bill Pay included with FSB's Checking Account?
Yes. FSB's free online bill pay is included with your Checking Account. Once your new account is opened, you can take advantage of this secure, easy and environmentally-friendly way to pay your bills.
How do I change my password and/or login ID?
Log into the online banking using your existing user ID and password. On the left navigation bar, select settings and then Security Preferences to change your password or login ID. Always keep passwords secure and do not share your password with anyone. Remember that for security reasons, branch or online banking staff will never ask you’re your password.
How do I set up mobile remote deposit?
For users who haven't downloaded the app, you must first download the Mobile App from the iPhone App Store or the Android Google Play Store.
Under the Services menu, click "Mobile Deposit Enrollment" to enroll in Mobile Deposit. After clicking on the link to read the Terms and Conditions, check the "I accept the Terms and Conditions" box and then the "Accept" button. You will receive a confirmation on the screen that your request was received and is being reviewed. You will receive an email once your enrollment is complete. A new option titled "Deposit Check" will be listed under the Transactions menu after successfully enrolling in Mobile Deposit.
Keep in mind the mobile deposits may be subject to limits, if you need a limit increase, please make sure to contact or online banking at 305-293-6805 or visit the nearest branch. We certainly hope that you use the mobile deposit functionality available to achieve your deposit needs.
How do I request checks?
When you open your online banking account, a Customer Service Representative will contact you for follow up questions and important tips about your new account. If you need checks, a check order will be placed for you. Going forward, you can re-order checks from online banking under Services/Check Reorder.