Online Banking FAQ's

Online Banking
• What can I do with FSB Online?
• Is there a charge for FSB Online?
• What do I need to enroll?
• What are the system requirements for FSB Online?
• How do I enroll for FSB Online?
• When can I start using FSB Online?
• What are the hours for FSB Online?
• When will I receive my Access ID and Password?

Transfers
• Can I transfer between all of my accounts?
• When is the money I transfer credited to my account and available to me?
• Can I set up recurring transfers?
• What happens when there are insufficient funds to make a scheduled transfer?

Downloading Your Account Information
• Can I download my information to Quicken™ or Microsoft Money™?
• How do I download my information?

Security
• What security measures is FSB using to insure the privacy and security of my information?
• What is 128-bit encryption?

Additional Questions


Online Banking

What can I do with FSB Online?
Farmington Savings Bank's online banking service FSB Online allows you to:
  • Check your balances
  • Transfer funds electronically between accounts
  • Review statements and other account information
  • Send email to us
  • View your check images
  • Place a stop payment on any check you wrote on your FSB account (not bill payments)
  • Download information to a personal finance software program such as
    Quicken™ or Microsoft Money™
  • Enroll for FSB Bill Pay
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Is there a charge for FSB Online?
FSB Online is a free service. There is no charge.

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What do I need to enroll?
In order to enroll for FSB Online you must have a Farmington Savings Bank account and access to a computer with Internet access. If you are not currently a customer please visit one of our branch locations to open your account.

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What are the system requirements for FSB Online?
Before you begin, your browser must meet certain requirements:
  • You must have128-bit encryption. 128-bit Encryption is the scrambling of information
     transmitted over the Internet, ensuring privacy and confidentiality. This is to ensure the security      of your personal financial data. Click here to perform a browser security check. If your current      browser does not support 128-bit encryption, visit the following browser areas and download      the appropriate browser.

  • To get the most out of the online banking experience, the minimum requirements are     Microsoft Internet Explorer 5.5, service pack 2 (Windows), or Internet Explorer 5.5 (Macintosh),     or Netscape Navigator 6.2 or higher.

  • Your screen resolution should be set to 800 x 600 resolution for the best viewing
    of FSB Online.
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How do I enroll for FSB Online?
To sign up for FSB Online simply log on to www.fsbct.com and click on the First Time User logo. Read through the FSB Online Banking agreement and Electronic Funds Transfer (EFT) Disclosure, and click "I Accept". Fill out the information on the screen completely. All fields marked with an * are required. You need only use one of your account numbers to register. If you wish to enroll for our FSB Bill Pay feature simply indicate this with a "Yes" at the bottom of the screen. Approximately 3 days after completing our online enrollment you will receive a welcome letter with your Access ID. Within a few days of the original letter we will send you your Password. This is done to ensure your security and privacy when using FSB Online.

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When can I start using FSB Online?
FSB Online is available for you to enroll today. After you enroll and receive your Access ID and Password you may begin using FSB Online. Simply click on the Log On button on www.fsbct.com and enter your Access ID and Password exactly as we sent them to you. You will be asked to change both your Access ID and Password the first time you log on to FSB Online for additional security.

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What are the hours for FSB Online?
FSB Online is available 24 hours a day 7 days a week.

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When will I receive my Access ID and Password?
After you complete the online enrollment please allow at least 3 business days for receipt of your Access ID and an additional 2 business days for receipt of your Password. This is done to ensure your security and privacy when using FSB Online.

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Transfers

Can I transfer between all of my accounts?
Account Type
Transfers From
Transfer To
Checking
Yes
Yes
Statement Savings
Yes*
Yes
Passbook Savings
No
Yes
Money Market
Yes*
Yes
Certificates of Deposit
No
No
IRA
No
No
FSB Loans
No
Yes

*Special rules apply for Money Market and Savings Account withdrawals. You can make no more than 6 preauthorized transfers, telephone transfers, or Internet banking transfers from the account per month. No more than 3 of these 6 can be by check, draft or similar order made by you and payable to third parties. You can make as many over-the-counter withdrawals as you wish. We will monitor compliance with these limitations based on the date on which the transfer was made. Pre-authorized transfers made to pay loans you have with us are not counted as part of the six transfers we permit you to make.

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When is the money I transfer credited to my account and available to me?
When you make a transfer using FSB Online that transfer is credited to your account and available to you immediately. You can verify all transfers made under the Current Business Day Activity. NOTE: Balances reflected on the ATM network are delayed by one business day.

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Can I set up recurring transfers?
Yes. Recurring transfers, those that are made on a regular basis such as weekly, bi-weekly, or monthly, are set up by selecting the account you will be transferring out of from the List of Accounts. Select New Scheduled Transfer from the Transfer Menu. Complete all necessary information on the screen including the date of the transfer, frequency of the transfer, the amount, and the number of times you would like this transfer to be made. Additional information can be found in our online help screens.

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What happens when there are insufficient funds to make a scheduled transfer?
If there are not sufficient funds in your account to make a transfer on the scheduled date, we will continue to try to make the transfer daily until funds become available unless you notify us to discontinue. To discontinue, you must delete the transfer by 4:00 p.m. on any business day.

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Downloading Your Account Information

Can I download my information to Quicken™, QuickBooks™ or Microsoft Money™?
Yes.

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How do I download my information?
To export transactions into a personal finance application, complete the Transaction Search options on the Transaction Menu screen. From the Select Export Format drop-down list box, select the appropriate file type from the following list.
  • Comma Separated File (.csv)
  • Quicken Interchange Format (.qif) - Intuit Quicken™
  • Open Financial Exchange (.ofx) - Microsoft Money™
  • Intuit's Interchange Format (.iff) - Intuits QuickBooks™
Then click the "Export" button to complete the process.

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Security

What security measures is FSB using to insure the privacy and security of my information?
Farmington Savings Bank uses a technology called Secure Socket Layers (SSL) to scramble the information that you send us. This technology protects the information you submit or receive through FSB Online.

FSB also uses firewalls to limit entry by anyone without proper authorization. A firewall is a security device that regulates the information transferred in and out of a network. The firewall is designed to make sure that communications only occur between approved individuals.

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What is 128-bit encryption?
Encryption is a method of scrambling information transmitted over the Internet to protect the users privacy and security. 128-bit encryption is the highest form of encryption available commercially for the Internet today.

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Additional Questions

If you have additional questions about FSB Online or FSB Bill Pay, help can be found by clicking the Help button on FSB Online. You may also visit any of our branch locations, or contact us at info@fsbct.com or by calling our Customer Support Center at (860) 676-4600 or toll free at (877) 376-2265.

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