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Frequently Asked Questions

General information

What happens if I bounce a check?

If a check is returned due to insufficient funds, a fee is charged to your account. The processing institution may submit the check again, depending on their policies. Please note that not all financial institutions will submit a check twice.

What should I do if I suspect fraud on my account?

If you suspect fraud on your checking account, immediately contact Farmers Bank at 479-996-4171. If the suspected fraud involves your Visa check card, you can block the card by calling 800-456-4307 and follow the prompts for reporting a lost or stolen card. Then, call Farmers Bank during business hours to complete the report.

What should I do if my checks are lost or stolen?

Contact the bank immediately to protect your account.

How does overdraft protection work?

Farmers Bank customers with accounts in good standing can use overdraft protection to cover checks that otherwise wouldn't clear the bank. The amount of overdraft protection depends on the type of checking account you have. You can also link your Farmers Bank savings account to your checking account so that, if needed, money will be automatically transferred from savings to checking to cover a check.

When are hand-delivered deposits credited to my account?

Deposits made before 6 p.m. on weekdays are credited on that business day. Deposits made after 6 p.m., on weekends or on holidays will be credited on the next business day.

When are ATM deposits credited to my account?

ATM deposits made before 2 p.m. on business days are credited on the same day. Otherwise, it's the next business day.

When my Visa check card expires, how do I get a new one?

You'll receive a new card by mail before the expiration date on your current card.

How do I stop payment on a check?

Call the bank at 479-996-4171 or 479-649-3000.

Can a check clear my account while funds are on hold?

If you have a hold placed on funds in your account, that money is not available for any kind of withdrawal. This includes ATM withdrawals and payments made by check or with your Visa check card. If your account can't cover a check, any available overdraft protection will be used. If no overdraft protection is available, the check will be returned as uncollected funds.


Online banking

How much does 24/7 Online Banking cost?

It's free.

What kind of browser do I need?

You'll need a browser that supports 128-bit encryption, which includes most browsers. We recommend Internet Explorer 6.0 or higher.

How do I get my Internet Banking ID and PIN?

Upon receipt of your Internet Banking application, Farmers Bank will send you a welcome letter that provides your ID and PIN. You will also receive an Internet Banking agreement and disclosure statement with your letter. Your first use of Farmers Bank's Online Banking will signify as your agreement to those terms.

Can I view my accounts online?

Yes.

Can I share my online ID and PIN?

That's a bad idea. For security reasons, we recommend you keep your ID and PIN a secret. And, please, don't jot down those numbers on a piece of paper and put it somewhere easily found at home, or anywhere at work.

What happens if I forget my ID and PIN?

After three unsuccessful logins, you will be locked out of Online Banking. At that point, your password will automatically be changed. Please call the bank and we'll assist you.

What happens if I forget to log out from Online Banking?

Your Online Banking session will expire in a few minutes if you quit using it. We do, however, recommend you intentionally log out.

Can I view my account history with Online Banking?

Yes, you can view three months of history.

Is there another automated way to access my accounts?

Yes. We invite you to use our 24/7 In-Touch telephone banking. Please see our list of branch locations to get the phone number for your community.

What kind of payments can I make with Online Banking?

You can send an electronic payment if the recipient is set up to accept them. Otherwise, a check will be mailed to the recipient.

How do I know which companies accept electronic payments?

When you set up the recipients for your payments, you will be prompted to type in the company name and the state where your payment is going. Then, a list of companies that accept electronic checks will be displayed and you can choose the appropriate recipient(s). If the recipient is not in that list, you can designate that the check should be mailed instead.

When do online payments clear my account?

Electronic payments made before noon are posted the same day, and those made after noon are posted the next day. Payments made by check are subtracted from your account when the check clears the bank. Please allow seven to 10 business days for a check to clear the bank.

Can I stop payment on a check paid with Online Banking?

Yes. Find the online payment by check number, then stop it. Stop-payment fees will apply.


Electronic statements

What are E-Statements?

E-Statements are an electronic delivery of your monthly statements. They take the place of your mailed paper statement.

How do I sign up for E-Statements?

Log in to your 24-7 Online Banking account. Click on the E-statement tab and follow the enrollment process.

Is there a fee to sign up for E-Statements?

No. It's a free service to Farmers Bank customers.

Can I access an E-Statement for all my accounts?

Both checking and savings accounts are available for E-Statement.

Do I have to be a 24-7 Online Banking user to view statements on line?

Yes. You can only access your E-Statements through 24-7 Online Banking. If you are not signed up for 24-7 Online Banking, please contact us now to enroll or call us at 479-996-4171.

Will I receive notification when my statement is available?

Yes. You will receive an e-mail from Farmers Bank along with your security phrase that you established during E-Statement enrollment.

When will my E-Statement be available?

Your E-Statement will be available the night of your statement cut-off date.

Can I receive a paper statement as well as an electronic statement?

By enrolling in E-Statements you are electing to receive your statements by email. The first statement after enrolling for E-Statements, you will receive a paper statement in the mail along with your electronic statement.

Will my electronic statements look the same as my regular printed statements?

Your electronic statements will look similar to your printed statements and will contain all the information that you received by mail.

How will I receive the inserts that came with my printed statements?

You will have access to the electronic copy of all material that would normally be inserted into your paper statement.

What happens to my statements after six months?

After six months, your E-Statement is no longer available through 24-7 Online Banking. You can save or print your E-Statement from your Internet browser while they are available for viewing. If you need a paper copy of a particular statement from Farmers Bank, you can request it from the bank. A nominal fee for statement copies from Farmers Bank will apply.

What if I want to cancel my E-Statement?

You can switch back to the paper version at any time. To cancel E-Statements, simply click on E-Statement tab, click documents and settings tab and unselect the account you would like to receive paper statements on.

What if my email address changes or I want to change my security phrase?

You can change your email address by clicking on the E-Statement tab and clicking on the email tab. Once you have clicked the email tab you can change your email address or your security phrase.

Can I have my E-Statement e-mail notification sent to an additional recipient to receive my E-Statement?

Yes, you can click on the E-Statement tab, then click on the additional recipients tab and setup their user name, e-mail address and access pin. Then you will need to assign them the documents you want the additional user to receive and click save settings.


Mobile banking

What are the restrictions on the type of mobile devices that can be used to access accounts?

The Farmers Bank mobile solution is phone neutral. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

What functions can I perform from my mobile device?

You can view transaction history, view account balances, transfer funds between accounts, pay bills and view alerts.

How do I know if my transfer or bill payment was entered successfully?

Each time you make a transfer or bill payment, a confirmation text message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.

What if I no longer want to be a mobile user?

Log in to our online banking website. Select Options and then Mobile Settings. Deselect the Activate Mobile Banking Access. Click on the Submit button.

What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the wireless provider and/or phone number.

Why can't I add a new payee?

Functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

What do I need to do if I get a new phone?

If you get a new phone but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your NetTeller account via the Internet and update your information on the Options > Mobile Settings page. You will not receive text messages regarding mobile banking transactions if your phone number is not correct.

How can I search for a transaction?

You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.

Can I use any mobile device to access my accounts?

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that text messages will be sent to the device entered when enrolling for mobile banking, not any device from which you perform a transaction.

Can I add a new Bill Payment Payee via mobile banking?

No. You can only add payments to payees already established through your traditional Internet-based NetTeller ID.

How do I delete a Bill Payment that I set up through my mobile device?

You must log in to the Internet-based NetTeller ID and delete the payment from the main menu of the Bill Pay module.

When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?

Check your phone's settings to make sure you don't have Alpha-only enabled on the keypad.


Have another question?

Please contact us and we'll be happy to answer any questions you might have.