Start by clicking the Forgot Password? link on the login box. It will send a reset link to the email address you have on file. If that doesn't work, call Customer Service at 866-372-1275 to reset your username or password. Verification is required.
Most likely, you signed up for Telephone Banking before signing up for Online Banking. To make your initial access easier, both services use the same PIN. So instead of using the 6 digit or 4 digit Password as stated on the sign-up page for Online Banking, use your current Telephone banking PIN; that PIN should grant you access to Online Banking. If that doesn’t work, please contact us.
The Username and Password are case-sensitive; make sure you are using the proper characters when logging in.
Another possible reason you may be unable to log in is that your credentials may have expired. For security purposes, customers must log in at least once every 90 days.
First State Bank uses High Security Level 128-bit SSL encryption to ensure the security of your account information. Only browsers with the same high security level 128-bit SSL encryption can use online banking.
SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through the use of SSL technology.
Encryption is the scrambling of information for transmission back and forth between two points. Because your account information is being transmitted between and you First State Bank, encryption protects your account information so it can’t be intercepted and read by a third party.
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. To use Multifactor Authentication (MFA), you must have a valid email address and phone number on file.
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.
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.
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”.
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”.
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”.
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”.
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.
Yes, there is an iPad and Android app. To use Mobile Deposit, a tablet must have a rear-facing camera.
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.
In order to use this feature, you must:
If you are a Mobile Banking app user, Mobile Deposit will automatically be available on the app.
Mobile Deposit is not available for the browser or text versions of FSB Mobile Banking. Tablets with rear-facing cameras are required for Mobile Deposit.
First State Bank personal checking or savings accounts are eligible excluding Health Savings Accounts.
There is no limit for the number of deposits allowed but there are daily limits on the dollar amount of checks that can be deposited using Mobile Deposit. We established a limit that provides sufficient access for the majority of our customers. If you have questions about the limit, please contact Customer Service at 866-372-1275.
You can check the status of your deposit by viewing your deposit history in mobile banking. Once logged in, check Deposit Status under Deposit, then View Mobile Deposit History. The status will show as ACCEPTED, PENDING, or FAILED.
Your funds will be available the next business day, if no hold is placed. If we receive and accept a mobile check deposit before 7 pm ET on a business day, we consider that day to be the date of your deposit. Deposits made after 7 pm ET or on weekends or holidays will be processed the next business day.
After the deposit posts to your account, you should destroy or securely dispose of the check. However, we recommend keeping the original check for 30 days before doing so, in case you need to re-deposit or there are any issues.
Built-in audit checks will recognize a duplicate deposit and will not allow the second deposit.
No. If a check is returned for insufficient funds, you may not redeposit the check through Mobile Deposit.
FSB Mobile Banking and Mobile Deposit employ 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. To use Multifactor Authentication (MFA), you must have a valid email address and phone number added to your account.
No information is actually stored on your device but you can disable mobile banking on your device at any time from within Online Banking. To do this:
Yes. The use of the mobile banking app over Wi-Fi is no different than using it on your phone’s data connection. All data is sent over an encrypted Secure Socket Layer (SSL) connection.
You won’t be charged. Due to the technical limitations of certain types of ATM machines, Allpoint is currently unable to prevent the “surcharge warning message” screen from appearing on some ATMs. The verification of Allpoint participation happens while the transaction is processing rather than before, so the surcharge fee page will show up prior to the transaction being completed. Allpoint is working to eliminate this confusion.
You should continue the transaction by answering “yes” on this screen. When you get your receipt, you’ll see that you were not assessed a surcharge (i.e., the withdrawal amount on your receipt will show $20, $40, $60, etc., as opposed to $22.50, $42.50, $62.50, etc., shown when you pay a $2.50 surcharge fee).
Submit a refund request via Allpoint’s website.
Yes. All ATMs listed on the ATM/branch locator are fee-free*, even if the Allpoint logo is not on the ATM. ATMs that are new to the Network are constantly being added and it may take 4-6 weeks to get the Allpoint logo onto these ATMs.
*Use of non-First State Bank ATMs not included in the Allpoint Surcharge-Free Network may result in ATM fees charged by other financial institutions. If we allow you to overdraw your account by use of your ATM/Debit Card, fees will be charged for those overdrafts.
Card Guard allows you to protect your debit card against fraud and theft by turning it on and off and set card limits based upon amount, type, location and merchant. Card Guard can help for budgeting, self-control, travel restrictions and security.
Yes.
To use Card Guard you need to:
It takes only seconds to turn your debit card off and block further transactions.
Yes. As soon as you find your card you can log back into the app and remove the block. This will allow your card to function as it did previously.
If you lose your card, log into the app and choose “Block Card” to block your card. Once you’ve determined that your card is actually lost you can call us at 866-372-1275 to request a new card.
You can use it as often as you’d like.
No. The card will automatically be updated in your profile.
Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States. Regardless of the setting, please remember to contact Customer Service at 866-372-1275 when traveling.
The region shows the approximate area where the card can be used. Card Guard can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case Card Guard will default to a state-level match.
MasterCard’s Automatic Billing Updater is a service participating merchants can use to retrieve cardholder account changes, like new debit card numbers, to ensure as little disruption as possible for your accunt-on-file transactions and automated payments.
Account-on-file transactions are payments processed using a card number you’ve stored with a merchant and websites with whom you’ve created an account and saved your card information:
No. Automated Billing Updater is only available to participating merchants and they choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you must check with your merchant to ensure your card information is updated.
The MasterCard Automatic Billing Updater service is required by MasterCard for all consumer and business credit and debit cards.
Benefits of Updater service:
Yes. A customer can request to opt-out of this service for their debit card by notifying us by phone at 866-372-1275 or by email via the Contact Us page of our website.
You will need to contact your credit card issuer to decline this service for your credit cards.
Chip card transactions make each transaction unique so if the card and the one-time code are stolen, the information cannot be used to create counterfeit cards. In-store purchases made with counterfeit cards are one of the most common types of card fraud in the United States today.
There are a variety of contactless ways to pay with your First State Bank debit card. You can Tap to pay, or add your debit card to your phone’s Digital Wallet to use ApplePay or Android Pay.
A register will display an icon if it accepts contactless payments. This lets you know that in addition to being able to swipe or insert your debit card into the payment POS device, you may also make your payment by tapping your debit card or using your phone's Digital Wallet to pay by holding your phone near the payment device.
Yes. Your card will have a chip and magnetic stripe to accommodate any situation. However, if the register or ATM is chip-enabled, you will be required to insert your card and some retailers and all ATMs will require you to use your PIN, while others will ask for your signature to authorize the transaction.
Should you need to change your PIN, call 800-862-0760 to use our automated system or stop by the First State Bank branch near you.
No. The chip only helps prevent fraud and do not contain tracking information.
No. There are no additional fees to use your new chip card.
Personalized debit cards are only available for personal debit cards.
Yes. Both primary and joint cardholders on the account can request a personalized debit card. The images can be different on each card. A design fee is applied for each design.
After your request has been submitted and approved, you can expect your card within 10-12 business days via U.S. Mail.
Yes. Your existing card will continue to work until you activate your new personalized debit card. Please securely destroy your old card once the new card is activated.
You can change your card design as often as you want for a design fee of $9.95. Please note, your existing First State Bank debit card, whether it is personalized or standard card issued, will no longer work when your new personalized card is activated.
Every submitted image is reviewed for compliance and must also follow the image guidelines. Once your image is approved, you will receive an email notification stating your image has been approved. Your card is submitted to production and, you should receive it in the mail within 10-12 business days.
An image will be rejected if it violates the image guidelines. If this occurs, an email will be sent to you. You can then resubmit a new image. This service may be revoked from anyone who continually submits images that violate the image guidelines. In most cases, solving the problem may be as simple as selecting an image that isn’t trademarked or under copyright.
Yes. Upon expiration of your card, any reissued cards will have the same image as your most recently requested design.
In most circumstances, reissued cards will have the same images. If the card was reissued due to fraud, or if the photo no longer meets our requirements, the new card will be issued standard, and the image will need to be re-done at no charge.
No. This service is not intended to replace a lost or stolen card. Report a lost or stolen card immediately to 800-554-8969.
No. Cards that have been part of a large scale compromise are processed by an outside company that is only able to issue cards on First State Bank’s standard card design. If you’d like another personalized debit card, please contact us and we can work with you to request another personalized card.
Access your credit card account online.
Please email us, call Cash Management at 866-372-1275 or stop in at any branch.
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