Frequently Asked Questions

 

How do I change my address?

Changing your address is easy.  Simply stop by your local branch or call them to update your information. 

How do I enroll in online banking?

  • Go to www.1fsb.com
  • Click on First Time User
  • Complete the First Time User Information form and submit
  • Create Access ID and Password then click Submit.
  • Verify email address. Choose an Authentication Pass Phrase for the picture shown. Select and answer security questions. Click Submit.
  • Choose to accept or defer eStatements and mobile banking enrollment.
  • You are now ready to use Online Banking.
  • To learn more about our online products and services, visit our Online Education Center.

How do I sign-up for eStatements?

  • Go to www.1fsb.com and log into Online Banking
  • Select Options. eStatement enrollment is found at the bottom of the page. Click Edit.
  • Select account(s) to receive statements electronically, verify email address, and accept terms and conditions. Click Accept
  • You are now signed up for eStatements

How do I retrieve my eStatements?

  • You will receive an email that your statement is ready to retrieve.
  • Log into Online Banking
  • Select Account and click on Statements
  • Statements require Adobe Acrobat Reader to view.

How do I set up Bill Pay?

To view the Bill Pay demonstration video, click here.

  • Log into Online Banking
  • Select Account and click on Bill Pay
  • Complete the required information and accept the terms and conditions.
  • Add Merchants and you are ready to pay bills.

What are the current interest rates?

Click here to view our current interest rates.

What is FDIC?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has ever lost a single penny of FDIC-insured funds.

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.

For further information visit www.fdic.gov.

What is overdraft protection?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to another account or line of credit, which may be less expensive than our standard practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices:

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First State Bank Nebraska pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee up to $25.00 each time we pay an overdraft.
  • Also, if your account is overdrawn for 7 or more consecutive calendar days, we will charge an additional $10.00 every seven consecutive days your account remains overdrawn.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want First State Bank Nebraska to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (888) 372-8977, visit www.1fsb.com.

How do I increase my credit limit?

Contact your banker for assistance on raising your credit limit.

Do I get free check image statements?

Yes, simply log in to online banking to view your statement with images.

What fees are associated with this account?

To view all of our checking accounts click here.
To view all of our savings accounts click here.

What is your privacy policy?

Click Here to view our privacy policy.

What is First State Bank Nebraska’s routing number?

104909531

What interest is earned on my account?

First State Bank Nebraska offers various accounts that earn interest.  To view our different accounts click here

What happens if I lose my visa debit card?

If your debit card is lost or stolen, contact your local branch immediately.
After bank hours, call (800)264-5578 to cancel your card.

Is online banking safe?

Our online banking is very safe and secure.  We have taken proper steps to ensure that our security system, encryption methods, software and firewalls are all the most up-to-date.  You can feel safe that your account number is not sent across the internet.

How do I order checks?

You may order checks by placing a call or stopping into your local branch. If after business hours, call 1-877-838-5287 to order checks by phone.

How do I activate my visa debit card?

To active your debit card, simply call 1-800-448-8268.

What terms do you offer on Certificates of Deposit (CDs)?

We offer certificates of Deposits in terms starting at just 1 month and going up to 60 months (5 years).  Click here to see our current rates.

How do I purchase an U.S. Savings Bond?

As of December 31, 2011, Savings bonds are no longer sold through financial institution or mail-in orders.  You can now purchase electronic savings bonds online at http://www.treasurydirect.gov.