Mobile Banking FAQs

Q. Is FSB Mobile Banking secure?
A. FSB Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts. At a high level, FSB Mobile Banking offers the following security safeguards:

Authentication - Mobile browser and app customers are authenticated for every interaction with any FSB Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials.

Encryption - 128-bit encryption is used for all transactions within FSB Mobile Banking.

Fraud - FSB Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.

Availability/Resilience - FSB Mobile Banking is protected against malicious attacks through software and server hardening measures.

Audit Ability - FSB Mobile Banking provides full audit capabilities through event logs and event-based reporting.

Q. Is my personal or financial information stored on my phone?
No. FSB Mobile Banking does not save any files with personal or financial information on your mobile phone or tablet. That information stays strictly within Online Banking. Some devices (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Q. Can I add more than one device?
A. Yes. You can enroll several mobile phones/tablets for FSB Mobile Banking. To add a new phone, log on to Online Banking and choose “Profile”, scroll down to “Mobile Banking Profile” and click on “Manage Devices”. Under the “My Devices” tab you will find a button at the bottom left to “Add New Device”.

Q. What if my phone number changes?
A. If your mobile phone number changes, simply update your mobile phone number by logging on to Online Banking and choose “Profile”, scroll down to “Mobile Banking Profile” and click on “Manage Devices”. Under the “My Devices” tab you will find a drop down menu next to your phone number that allows you to “Change my phone number”.

Q. What if my device is lost or stolen?
A. If your device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your device in FSB Mobile Banking. To do this, log on to Online Banking and choose “Profile”, scroll down to “Mobile Banking Profile” and click on “Manage Devices”. Under the “My Devices” tab you will find a drop down menu that allows you to “Stop using this device for Mobile Banking”.

Q. How do I stop using FSB Mobile Banking on my device?
A. To deactivate your device, log on to Online Banking and choose “Profile”, scroll down to “Mobile Banking Profile” and click on “Manage Devices”. Under the “My Devices” tab you will find a drop down menu that allows you to “Stop using this device for Mobile Banking”.

Q. I have a prepaid plan, can I use FSB Mobile Banking?
A. FSB Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes, which are necessary to use Text Banking.

Q. Can I access FSB Mobile Banking by using my tablet?
A. Yes, there is an iPad and Android app. To use Mobile Deposit, a tablet must have a rear-facing camera.

Q. I originally declined but now I want to enroll for FSB Mobile Banking.  How can I do that?
A. Web Browser or Text Banking users: Can enroll for FSB Mobile Banking by logging on to Online Banking, and choosing “Profile” on the top menu bar, then scroll down to “Mobile Banking Profile” and click on the “Enroll Now” button.

Mobile App Users: Existing Online Banking users can simply download the mobile app from the Apple store by searching for First State Bank MI or Google Play store by searching for FSB Mobile MI.