Frequently Asked Questions





















BillPay is a product that allows you to securely pay your mortgage, credit card bills, the power company, family and friends, and much more without having to write a check. BillPay is affiliated with hundreds of businesses making it easy for you to send payments.
  1. Sign into Online Banking or Mobile Banking and select the BillPay button.
  2. Review the terms and conditions. Select Yes, I accept the terms and conditions.
  3. Select Accept and Submit.

Operating Systems

Apple (iOS / Mac OS), Android, and Windows

Browsers

  • Microsoft Edge: Microsoft Edge will be supported at the latest version only. The Banno Digital Platform may deny access to older Microsoft Edge versions 60 days after a new version is released. The legacy version of Microsoft Edge now has an official end-of-life date from Microsoft. Click here to learn more.
  • Google Chrome: Chrome should automatically update and major updates are released approximately every 12 weeks. If Chrome is two versions older than the current stable channel version, the Banno Digital Platform may deny access.
  • Apple Safari: Each year Apple typically makes upgrades to Safari during the fall. Approximately 60 days after a new version is released, the Banno Digital Platform may deny older versions access. However, this change requires that the new Safari version is available on both MacOS and iOS devices.
  • Mozilla Firefox: Firefox should automatically update. if Firefox is two versions older than the current stable channel version, the Banno Digital Platform may deny it access.

When paying a person, the recipient can submit their account information privately and securely by receiving either an email or text message. Here’s how:

  1. Select the + PAYEE icon
  2. Select PAY A PERSON, then select email or text message (electronic) and select NEXT.
  3. Enter cell phone number or email address.
  4. Create payee nickname.
  5. Create a keyword for payee to confirm their identity.

NOTE: keyword must be shared with recipient prior to them completing the setup process.


Recipient will receive a message to complete a one-time setup process to submit their account information with the keyword provided. Once completed, the recipient can receive electronic BillPay payments as often as you would like.

No. Holidays and weekends are not eligible for payment processing, and will affect available dates when scheduling your payments.

Yes. You may edit or stop a payment until the first processing time on the process date. Payments process at 7am Central Time and 2pm Central Time. While payments are processing, the availability of funds are being verified. If funds are verified and a payment is successfully processed, it cannot be edited or stopped. If payment funds are not verified due to insufficient funds, the payment can be edited or stopped up until the next processing time.
If the payment is delivered electronically, the funds are withdrawn from your account on the payment date.
If the payment is delivered by check, the funds are withdrawn from your account when the check is cashed.
Our Client Services staff are available to assist you at 651-439-5195. Solutions depend on how the payment was delivered, whether electronically or by paper check.
  • An eBill is an electronic presentation of your bill from your payee. eBills may be in the form of a PDF or summary information, and will provide you with the due date and amount due from your billing statement. You may also receive an alert when it's time to schedule your payment. To receive alerts, turn them on in My Account.
  • If your payee is eligible for eBills in BillPay, you can add them as a payee to receive your bills electronically. You may be prompted to enter the credentials that you would use to log in to your biller site, your account number on your statement, and the ZIP Code of your payee. The payee may require other information to verify your identity. This prompt depends on the payee and what they need from you for you to register to receive your bill electronically. A benefit of an eBill is that you may also receive payment confirmations from the payee when the payment is received. This depends on the payee and if they offer payment confirmations.
Note: Be sure you know your credentials and your account number to set up your payee without an error.


If you have a bill that's too close for comfort to the due date, you can use the "Rush delivery" link under more options to select a guaranteed delivery option.
Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.
A pay-from account can be added by accessing "My account" and clicking the "Add account" link located in the pay-from account section.
A pay-from account can be edited by accessing "My account", clicking the "View account" link, and clicking "Edit" next to the pay-from account.



Electronic statement delivery is a quicker, more secure, and greener way to have your statements delivered! eStatements are a replacement for traditional paper statements.
  1. Log into Online Banking or Mobile Banking and select the Electronic Statements tab; or click into account.
  2. Read the Electronic Account Statement Disclosure & Agreement then select the I AGREE box. Then Enroll Now.
  3. Select DETAILS to choose which accounts you would like to receive eStatements for. (If not selected, it defaults to ENROLL ALL AVAILABLE ACCOUNTS AND DOCUMENT TYPES.)
All you need is a computer or mobile device that is able to open a Portable Document Format (PDF) file. Our preferred PDF viewer is Adobe Reader. Please click here for more information on downloading Adobe Reader.
  1. Log into Online Banking or Mobile Banking.
  2. Open Menu Bar on left or select name from left hand menu.
  3. Select Account Setting.
  4. Select account you want enrolled.
  5. From the Electronic Statements section select advance settings.
  6. Select SIGN UP/CHANGES.
  7. Select or deselect which accounts you want enrolled in eStatements.
  8. Select SAVE SETTINGS.

New eStatements generate once enrolled and are saved to your Online Banking for 18 months of access. Any statement issued prior to eStatement enrollment will not be available to view electronically.

 If there is a need to obtain an old statement, please contact us during regular business hours. Fees may apply.
  1. Log into Online Banking or Mobile Banking.
  2. Open Menu Bar on left or select name from left hand menu.
  3. Select Account Setting.
  4. Select account you want enrolled.
  5. From the Electronic Statements section select advance settings.
  6. Select Email Settings.
  7. Change email address.
  8. Select SAVE SETTINGS
Please contact Client Services at 651-439-5195 for assistance.

While this feature is not available to set up within Online Banking, we do have a form that can be filled out to send statements to another individual or entity.

Please contact Client Services at 651-439-5195 for assistance.
  1. Log into Online Banking or Mobile Banking.
  2. Open Menu Bar on left or select name from left hand menu.
  3. Select Account Setting.
  4. Select account you want enrolled.
  5. From the Electronic Statements section select advance settings.
  6. Select SIGN UP/CHANGES.
  7. Deselect which accounts you want enrolled in eStatements.
  8. Select SAVE SETTINGS.
NOTE: Statement fees may apply dependent on the type of account you have with First State Bank and Trust.








iTalk is our free, 24/7 automated telephone banking system. Enjoy the convenience of banking from your home, office, or other location by simply dialing 651.439.7722. 
Every client at First State Bank and Trust is automatically enrolled in iTalk and will be able to access any account associated with their social security number.
iTalk is available to use by either touch tone or voice recognition on a telephone.
  • Account balance information
  • Account transaction history
  • Transfer funds
  • Make a loan payment
  • Activate and deactivate debit cards
The first time you call iTalk, you will need to be prepared with your account number and Social Security number. Follow the prompts to seamlessly set up your new 4-8 digit PIN. Once set up, you will only need to have your account number and PIN to access your accounts through iTalk.
Please use the following as a visual reference guide to navigate through the iTalk menu:
1. ACCOUNT BALANCE
2. ACCOUNT HISTORY
  1. All transactions
  2. Withdrawals
  3. Deposits
  4. Amount
  5. Check number
  6. Date
  7. ATM transactions
  8. Last 5 transactions
3. TRANSFER FUNDS OR MAKE A PAYMENT
  1. Transfer funds immediately.
  2. Schedule a funds transfer.
  3. Payments.
  4. Hear existing scheduled transfers.
4. CARD SERVICES
  1. Activate a card.
  2. Deactivate or report a card lost or stolen.
5. MERCHANT CHECK VERIFICATION
6. CHANGE PIN
7. HEAR ACH TRANSACTIONS

Please contact Client Services at 651.439.5195 for assistance.

Debit/ATM cards and iTalk services are separate from each other. If you change a PIN for one, it does not affect the other. For security, it is best to keep separate PINs in case of account fraud.

No. For privacy reasons you will not have access to the recipients account on iTalk. A great way to do this would be to send a payment to a person through our BillPay services included with Online Banking. Visit BillPay FAQs for more information.








Mobile Banking allows you to check balances, transfer funds, pay bills, and receive alerts through the FSBT mobile app on any device. Do your banking quickly, easily and securely - anytime, anywhere. It’s the ultimate product for managing your finances! 
Once you have your Online Banking credentials you can download the FSBT mobile app via the Apple App Store or Google Play and log in. Just follow the prompts to get set up.

Apple iOS: Effective November 18, 2024, our Digital Banking Platform is supported on Banno Mobile version 3.18 or newer on devices running iOS version 17.0 or newer.

Android: Effective on March 19, 2024, our Digital Banking Platform is supported on Banno Mobile version 3.7 or newer on devices running Android version 8.0 or newer.

  1. Log into Mobile Banking.
  2. Select the Menu (3 bars in the upper left corner).
  3. Go to the bottom of the page to the picture or initials and click.
  4. Click on Settings.
  5. Click Security.
  6. Click on Biometric Sign in.
Note: You must already have biometric capabilities active on your phone with your fingerprint or facial recognition for this to work.
Scroll down to the bottom of the page and click the organize dashboard button. From here you can click and drag boxes up or down to have them in the order you wish to view them.
There are two ways to manage your debit card in the FSBT mobile app:
  1. Go to the Card management box and choose the card you wish to suspend, activate, or report lost or stolen.
  2. Go to the account the card is connected to and choose card management. 
Yes, you can! Click on the menu bar (three bars in the upper left corner). Choose BillPay and follow the enrollment prompts.
Consumer clients: Upon downloading the FSBT mobile app via the Apple App Store or Google Play, by accepting the terms and conditions at initial login, you will gain access to Remote Deposit Anywhere (RDA) within one business day.

Commercial clients: Please contact Client Services at 651.439.5195 for enrollment.
  1. After logging in, select the Deposit tab from the dashboard, or the Deposit Checks option from the menu on the left hand side of your screen. From here, select make a deposit at the top of the screen.
  2. Enter the amount of the check and choose the account you would like to deposit it to.
  3. Make sure the check is endorsed and include FOR REMOTE DEPOSIT ONLY. Take a photo of the front and back of your check following the instructions provided on the app.
  4. Select Submit and confirm the deposit.
DEPOSIT LIMITATIONS:
Consumer accounts are allowed to deposit up to 5 checks per day (10 checks per month). Total deposits cannot exceed $2,500 per day or $9,000 per month.

Small business accounts are allowed to deposit up to 10 checks per day (20 checks per month). Total deposits cannot exceed $5,000 per day or $10,000 per month.

Contact Client Services at 651.439.5195 if you need your limit increased.









You'll appreciate the simplicity of banking online. First State Bank and Trust Online Banking enables you to complete most banking transactions from your home, office, hotel room…virtually anywhere you have a computer with Internet access. It's fast. It's secure. It's available 24 hours a day. Best of all, it's free for our personal and business banking clients.
You can sign up for Online Banking here. Once the application is submitted, a Universal Banker will contact you within one business day to provide login credentials.
Mobile Operating Systems

Apple iOS: Effective November 18, 2024, our Digital Banking Platform is supported on Banno Mobile version 3.18 or newer on devices running iOS version 17.0 or newer.

Android: Effective on March 19, 2024, our Digital Banking Platform is supported on Banno Mobile version 3.7 or newer on devices running Android version 8.0 or newer.


Browsers
Microsoft Edge: Microsoft Edge will be supported at the latest version only. The Banno Digital Platform may deny access to older Microsoft Edge versions 60 days after a new version is released. The legacy version of Microsoft Edge now has an official end-of-life date from Microsoft. Click here to learn more.
Google Chrome: Chrome should automatically update and major updates are released approximately every 12 weeks. If Chrome is two versions older than the current stable channel version, the Banno Digital Platform may deny access.
Apple Safari: Each year Apple typically makes upgrades to Safari during the fall. Approximately 60 days after a new version is released, the Banno Digital Platform may deny older versions access. However, this change requires that the new Safari version is available on both MacOS and iOS devices.
Mozilla Firefox: Firefox should automatically update. if Firefox is two versions older than the current stable channel version, the Banno Digital Platform may deny it access.

In order to offer the best in password security, we do not allow our joint clients to share Online Banking credentials. For your security and privacy we are happy to open separate Internet Banking accounts for each owner with their own credentials.
It will give you a message that says it is locked. You can choose Forgot Password and follow the prompts to get in or call Client Services at 651-439-5195.
You can click on Forgot Password and follow the prompts or call Client Services at 651-439-5195.
For First State Bank and Trust’s Online Banking our minimum requirements for passwords are:
• Must be between 12 and 25 characters in length.
• Must contain at least 1 letter.
• Must contain at least 1 number.
• Must contain the following characters +_%@!$*~
• Cannot match or contain your Internet Banking username.
• Cannot match one of the previous 4 passwords.

For a stronger password, we recommend the following criteria:
• Length: a password with 12 or more characters is ideal.
• Randomness: a password with random characters is more difficult than using simple words and numbers ex: 7uWqMJbuvZuC!
• Passphrases: a string of words, rather than a single word used as a password
ex: AllSquaresAreRectanglesButTrianglesAre3Sided!
• Utilize a password management tool to create, safely store, and easily use your passwords on your computer.

Weak passwords often contain:
• Simple words such as “password”, “qwerty”, or very simple repetition such as “121212”
• Obvious information about you such as names, addresses, dates, and phone numbers.
• Single words with a simple number at the end, such as a single digit or year.
To change your address, please go to Message and send a secure message to Client Services requesting to change your address. Include the new address and if you have a new phone number or email address. Please let us know if anyone else you have joint accounts with will need a change of address, or if their address should not be changed.
Any time you have a question about your account or a transaction, you can reach Client Services by sending a secure message. We will respond within 2-3 hours during regular business hours Monday - Friday (8am - 4:30pm Central Time). If you leave a message outside of these hours, we will respond to you during business hours.