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Changes to our Business Day "Cut Off" time
As most of you know our "Cut Off" time for what constitutes a Business Day has always been 2:00 P.M., but that is no longer the case. When you make a deposit at a teller window at any time during the day that deposit will now go on that day's business. Even Thursdays at Ladoga and Roachdale will now constitute a Business Day. The only exception being Saturday, which will still remain on Monday's business.
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Get Adobe® Acrobat Reader
Click on the banner above to download Adobe® Acrobat Reader which is required to view, and use all of our forms.
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Identity Theft
To Identity theft is a growing problem in our society. There are a number of things that you can do to safeguard your identity. The following online resources will help you prevent your identity from being stolen, and also help you in the event that your identity was stolen.
www.lifelock.com
IdentityTheft.orgIdentity Theft Resource CenterDeter, Defend, Defend. Avoid ID Theft - Federal Trade Commission AnnualCreditReport.comIt Happened To Tiger Woods
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Online Banking Enrollment Form
Where can I get the form?
The form is available for download here at our website, or available at any of our branches. Just return the signed enrollment form to the bank by mail or in person.
Online Banking & Bill Pay Enrollment Form
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General Online Banking Information
Whom can I pay through ePayment?
You can pay ANYONE in the United States, including the next door neighbor, the utility company, the bank, or even a child in college across the country.
How late in the day can I enter, edit, or delete a payment?
You may add, edit, or delete payments scheduled Sunday through Friday until 10:00 PM CST the day before the scheduled payment date.
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 evening. Any new payments that are scheduled over that particular weekend will be processed on Sunday night. Holiday processing occurs the day following the holiday.
Are there any merchants that I cannot pay through the ePayment service?
Yes. You cannot pay any government agency.
Can I use ePayment if I live outside the United States?
Yes, as long as you have a bank account in the United States.
Can I get a copy of a cancelled check?
You can request a copy through Customer Service. There may be a fee associated with this service.
How long is history retained in the VIEW PAYMENT HISTORY section?
Payment History records are kept for one year.
What happens if I lose or forget my ID or PIN?
If you lose or forget your ID, you may call Customer Service and, with proper identification, your ID will be given to you. If you lose or forget your PIN, you must follow the same procedure, and a new PIN will be generated and mailed to you.
Payee, a definition
A payee is anyone to whom you would pay a bill or send a check. The most common payees include utility companies, your landlord, mortgage companies, department stores, and credit card companies. Payees also can include individuals such as the person who mows the lawn, the local grocery store, or your favorite charitable organization.
How many payees may I have set up?
You may have up to 99 payees that you can set up through the internet. If you need more than 99 payees, please contact Customer Service.
When will the money be taken out of my account?
The money will be withdrawn out of your account approximately two business days after the payment date you have set.
What if I do not have enough money in my account?
Your bank will treat ePayment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.
Can I edit vendor addresses?
No. You will have to set up a new vendor with the correct address and delete the old one.
How do I know if a merchant is electronic or check?
Once you have set up the vendor/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is electronic or check.
Can I set up recurring payments?
Yes. You can set up recurring payments in the following frequencies:
- Weekly
- Semi-Monthly
- Monthly
Will the memo field that I fill out when setting up a payment be passed on to the merchant?
No. The memo field is for your personal records, however the account number that you entered when you added the payee to your Personal Payee List is printed on the check. This allows the payee to know which account to apply the payment to.
Due Date
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee.
How far in advance should I set up a payment to insure it is paid on time?
Check payments should be scheduled 10 business days in advance of payment due date. Electronic payments should be made 4 business days prior to the payment’s due date.
*NOTE - You may want to set up a payment to yourself so you can see how the system works.
Are there any minimum and maximum payment amounts?
Yes. The minimum amount you may make a payment for is $0.01 and the maximum amount can be up to $99,999.00
Scheduled Date
The scheduled date is the day you would like City Bank Online Banking to start the process of sending your money to the payee.
How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.
Can I have multiple payments to the same payee on the same day?
Yes. You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate items in the same day.
Can I stop payment?
Yes. You will need to call Customer Service.
On the Payment History page, what does the "Status" field indicate?
Following is a table of the available status values and their associated definitions:
| Status Value | Definition | | PENDING | The payment has been processed, but not yet sent. |  | | PROCESSED | The payment has been processed and sent. | | | HOLD | The payment has a research request on it. This usually means the payment is incomplete, but can be processed when the issue is resolved. | | | STOPPED | The consumer has or the Bill Payment service has stopped the payment and the payment cannot be processed again. | |
To download a brochure on ePayment click below.
ePayment Instructional Brochure
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Telepone Banking - FSB Express BanKing
24 Hour a Day Banking via a touchtone phone!
Whether you are on vacation, or driving down the road in your automobile you will now be able to call our new toll free number to access your account information. Call the number the first time and establish your personal identification number, and then you will be able to check account balances, incoming direct deposits, recent transactions, transfer funds between accounts, make loan payments, and much more.
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Mastercard® Securecode™ for FSB Debit Cards
What is it, and how do I get it?
Your MasterCard® debit card is eligible for MasterCard® SecureCode™ - a free, new online security service to help guard against unauthorized use of your MasterCard online. The next time you shop online at a participating merchant, a window will appear asking you to confirm your identity and create a personal SecureCode™. Once enrolled, enjoy added peace of mind when you shop online.
Click on the banner above for more information.
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Personal Accounts
Checking Accounts
Farmers State Bank Now Offers 6 Different Types of Checking Accounts, Each Designed to Meet the Different Needs of Our Customers. Whether It’s Student Checking, Classic Checking, Express Checking, Daily Heroes, Premier NOW Checking, or Premier Plus Checking, We’ll Help You Find the Account That Works Best for You.
Student
No Minimum Balance
No Monthly Service Charge
Free ATM Transactions
Free Unlimited Debit Card Usage
Free One Time Debit Card Replacement
Free Unlimited Check Writing
Free Internet Banking
Free Online ePayment
Free Telephone Banking
This Is a Non-Interest Bearing Account. A Student ID Must Be Presented at the Time of Account Opening. See Our Account Rules and Regulations for a Full Statement of Fees.
Classic
No Minimum Balance
No Monthly Service Charge
Unlimited Check Writing
Free Monthly Statement
Free ATM Card
Free Telephone Banking
Free Online Banking
Bounce Protection Limit $300.00
This Is a Non-Interest Bearing Account. See Our Account Rules and Regulations for a Full Statement of Fees.
Express
$500.00 Minimum Balance or $2,500.00 In Total Deposits
Free Unlimited Foreign ATM Transactions
Free Unlimited Debit Card Usage
Free Overdraft Protection**
Free Snapshot Statements, Travelers Checks, Money Orders, and More
Discounted Safe Deposit Box Rates
Free Telephone Banking
Free Online Banking
Free Online ePayment
Bounce Protection Limit $500.00
This Is a Non-Interest Bearing Account. See Our Account Rules and Regulations for a Full Statement of Fees.
**Subject to Credit Approval
Daily Heroes
Farmers State Bank Would like to Salute and Honor the Daily Heroes Living and Serving in Our Community. Our Daily Hero Account Is for All the Men and Women Involved in Our Armed Forces – Active, Retired, or Reserve Status, As Well As Teachers, Policemen, Firemen, and Emergency Medical Technicians. Thank You for Your Dedication and Commitment to Serving Others to Make Our World a Better Place to Live.
No Minimum Balance
Free Unlimited Foreign ATM Transactions
Free Unlimited Debit Card Usage
Free Overdraft Protection**
Free Snapshot Statements, Travelers Checks, Money Orders, and More
Discounted Safe Deposit Box Rates
1st Box of FSB Check Express Checks Free, All Orders Thereafter 50% Off
Free Telephone Banking
Free Online Banking
Free Online ePayment
Bounce Protection Limit $500.00
This Is a Non-Interest Bearing Account. See Our Account Rules and Regulations for a Full Statement of Fees.
**Subject to Credit Approval
Premier NOW
$1,000.00 Minimum Balance or $10,000.00 in Total Deposits
Interest Compounded Monthly
5 Free Foreign ATM Transactions Per Month
Free Debit Card
Free Overdraft Protection**
Free Snapshot Statements, Travelers Checks, Money Orders, and More!
Discounted Safe Deposit Rates
Free Telephone Banking
Free Online Banking
Free Online ePayment
Bounce Protection Limit $1,000.00
The NOW Account Is an Interest Bearing Account. See Our Account Rules and Regulations for a Full Statement of Fees.
**Subject to Credit Approval
Premier Plus
$10,000.00 Minimum Balance or $25,000.00 in Total Deposits
Free Unlimited Foreign ATM Transactions
Free Overdraft Protection**
Free Safe Deposit Box
Free Snapshot Statements, Travelers Checks, Money Orders, and More!
Fee Investment Reviews
Automatic 1/4% C.D. Interest Rate Increase
Free Gold Visa or Mastercard**
Assigned a Personal Banker
Free Telephone Banking
Free Online Banking
Free Online ePayment
Bounce Protection Limit $1,000.00
The Plus Account Is an Interest Bearing Account. See Our Account Rules and Regulations for a Full Statement of Fees.
**Subject to Credit Approval
Savings Accounts
Classic Savings
No Minimum Balance
Interest Posted Monthly
No Monthly Service Charge
Free Telephone Banking
Free Online Banking
*You must have a checking account to have a FSB Classic Savings account. Regulations allow unlimited withdrawals on this account in person. A total of 6 withdrawals per month may be done by telephone transfer, ACH debit or Debit card. Of the 6 withdrawals per month, only 3 may be made by a debit card. See our account rules and regulations for a full statement of fees.
Express Savings
Minimum $500.00 Balance
Interest Posted Monthly
Free Monthly Statement
Free Debit Card
Free Snapshot Statements, Travelers Checks, Money Orders, and more!
Free Telephone Banking
Free Online Banking
*Regulations allow unlimited withdrawals on this account in person. A total of 6 withdrawals per month may be done by telephone transfer, ACH debit or Debit card. Of the 6 withdrawals per month, only 3 may be made by a debit card. See our account rules and regulations for a full statement of fees.
Premier Money Market
Minimum $2,500.00 Balance
Interest Posted Monthly
Free Monthly Statement
Free Debit Card
Free Snapshot Statements, Travelers Checks, Money Orders, and more!
Free Telephone Banking
Free Online Banking
Bounce Protection Limit $1,000.00
*Regulations allow 6 withdrawals on this account per cycle. A total of 6 withdrawals per month may be done by telephone transfer, ACH debit or Debit card. Of the 6 withdrawals per month, only 3 may be made by a debit card. See our account rules and regulations for a full statement of fees.
Christmas Club
No Minimum Opening Balance
Interest Posted at Disbursement
Automatic WIthdrawals / Payroll Deductions Available
Checks Issued in October
No Deposit Requirements – Save as Much or as Little as You Like
*The Christmas Club account is an interest bearing account. See our account rules and regulations for a full statement of fees.
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Bounce Protection
Have you incurred an unexpected expense, or a temporary cash flow problem? But, you still need to pay your mortgage payment, car payment, or utility bills. Now, with Bounce Protection you can go ahead and write that check without having to incur late charges, finance charges, or possibly damaging your credit report. In most cases it will be more cost-effective just to be charged the standard NSF fee that is associated with your type of account, while having the security of knowing that your check will not be returned.
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Business Accounts
Are you a business owner? We know you work hard for your money. Farmers State Bank offers several different business products to keep you and your business going strong.
Business Checking
Classic
No Minimum Balance
Interest bearing
First 50 debits free, then $.10 per item over 50 (no charge for customers with balances over $10,000.00)
Visa® / Mastercard® Merchant Services available
No Annual Fee Business Visa® / Mastercard® credit cards
New! Quarterly, Semi-annual or annual CD Account Statements!
Free Telephone Banking!
Free Online Banking!
Free Online Cash Management!
*This is a non-interest bearing account. See our account rules and regulations for a full statement of fees.
Express
$25,000.00 Minimum balance
Visa® / Mastercard® Merchant Services available
No Annual Fee Business Visa® / Mastercard® credit cards **
Account Sweeps available
New! Quarterly, Semi-annual or annual CD Account Statements!
Free Telephone Banking!
Free Online Banking!
New! Free ACH Batches, and e-payments!
New! Free Online Cash Management!
This is a non-interest bearing account. See our account rules and regulations for a full statement of fees.
**Subject to credit approval
Business Savings
Classic
Minimum $500.00 Balance
Interest compounded monthly
New! Quarterly, Semi-annual or annual CD Account Statements!
Free Telephone Banking!
Free Online Banking!
This is an interest bearing account. Regulations allow unlimited withdrawals on this account in person. A total of 6 withdrawals per month may be done by telephone transfer, ACH debit or Debit card. Of the 6 withdrawals per month, only 3 may be made by a debit card. See our account rules and regulations for a full statement of fees.
Express
Minimum $2,500.00 Balance
Interest compounded monthly
No Annual Fee Business Visa® / Mastercard® credit cards **
New! Quarterly, Semi-annual or annual CD Account Statements!
Free Telephone Banking!
Free Online Banking!
New! Free ACH Batches, and e-payments!
New! Check writing available!
This is an interest bearing account. Regulations allow unlimited withdrawals on this account in person. A total of 6 withdrawals per month may be done by telephone transfer, ACH debit or Debit card. Of the 6 withdrawals per month, only 3 may be made by a debit card. See our account rules and regulations for a full statement of fees.
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Personal Loans
Personal Loans
A current form of government issued identification with your current street address, a current pay stub and your signature on a Farmers State Bank application will get you started on your way to an overdraft protection loan, auto loan, home improvement loan, debt consolidation loan, vacation loan or any other personal purpose loan you may need. Just call the branch nearest you for an appointment with one of our highly qualified loan officers and we’ll be glad to help!
Can I apply for a loan online?
Not at this time, however you may download an application to print, fill out, and bring-in or mail to one of our four branches by clicking on the link below.
Consumer Loan Application Form
Need a Loan?
If you are interested in a loan, Click here to send us an email, and a loan officer will contact you within one business day.
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Mortgage Loans
15, 20, & 30 Year Fixed Rate Mortgages
Competitive rates, low closing fees, purchase money mortgages, refinances, low down payment programs, swing loans, construction loans, home improvement loans, debt consolidation loans and cash out refinances. No matter your situation or loan request, we will work to get you the best rate and loan structure available.
Second mortgage loans and home equity lines of credit also available.
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Commercial & Agricultural Loans
Commercial Loans
Agricultural Loans
Accounts Receivable Financing
"Need working capital injected into your business? Farmers State Bank can help you unlock the working capital tied up in your receivables. Business Manager is our cash flow enhancement program that helps your business grow, take missing discounts, reduce debt by putting your business on an all cash basis". Move mouse down stop
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Visa®/Mastercard® Credit Cards
Did you know that you can get your Visa®/Mastercard® credit card through FSB?
FSB can provide you with a Visa®/Mastercard® with an APR of 9.96% and no ANNUAL FEE.
Current FSB Visa®/Mastercard® holders can now access their account information online here.
Call 1-800-423-7503
to report a lost or stolen
VISA or MASTERCARD credit card.
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Loan Calculator
Figure what your monthly payments would be here.
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Harvest Financial Services
Does Farmers State Bank have anyone on staff who can help with financial planning, and investments?
Yes. Farmers State Bank has partnered with Harvest Financial Services to help our clients with "non-traditional" investments. Harvest Financial Services is a subsidiary of Farmers State Bank.
Not a Deposit * Not FDIC Insured
Not Insured by any Federal Government Agency
No Bank Guarantee * May Lose Value
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Farmers State Bank Branches
Where are the branches located?
New Ross
100 North Main Street
New Ross, IN 47968
765-723-1181
Ladoga
123 East Main Street
Ladoga, IN 47954
765-942-1036
Roachdale
110 South Indiana Street
Roachdale, IN 46172
765-522-2344
Crawfordsville
1661 US 231 South
Crawfordsville, IN 47933
765-364-0784
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Staff Directory
Staff directory available here.
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FSB Employee Links
eMail
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Notice
The Farmers State Bank [FSB] site contains hyperlinks to third party sites. FSB makes no representation as to the quality, content, nature, or reliability of these hyperlinked sites. The inclusion of these hyperlinks does not imply endorsement, investigation, verification, or monitoring by FSB; and in no event shall FSB be responsible for your use of these hyperlinked sites.
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