Where Community Matters


  • Q: Why is my deposit not showing up in my account?

    A1: Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.

    A2 : When a deposit is made after 3:00 it does not meet the cut off time for that day and will be processed the following business day.

    Example #1 - John Doe deposits $100 on Monday at 3:30 pm. Since the deposit was after the cut off time it will be processed with Tuesday’s business.

    Example #2 – John Doe deposits $100 on Friday at 3:30 pm. Since the deposit was after the cut off time it will be processed with Monday’s business. No work is processed over the weekend.

  • Q: Why doesn’t my online banking password work?

    A1: For security purposes, if three incorrect passwords are entered your online banking service will be disabled. Click the “Forgot My Password” link to reset your password.

    A2: If your online banking service is inactive for 60 days you must call us at 641-843-4411 to have your account re-established.

  • Q: Why will my debit card not work?

    A1: There are multiple reasons your debit card may not be working:

    • Your account may have a negative available balance. If a deposited check has not cleared, that amount is not available for withdrawal with your debit card.
    • You may have reached your daily limit. Please call 641-843-4411 for more information about card limits.
    • First State Bank subscribes to Shazam Falcon Fraud Manager. Your transaction may have scored high for fraud causing your card to be blocked. Falcon will try to contact you to resolve any issues or you may call us at 641-843-4411
  • Q: Can I change my PIN#?

    A: Yes. Please call 641-843-4411 to receive instructions for changing your PIN#

  • Q: Can I get a debit card for my savings account?

    A: Debit cards are only available for checking accounts. You may link a savings account to your card for making transfers between your checking and savings at an ATM.

  • Q: My card is almost set to expire. How do I receive a new card?

    A: Approximately two weeks before the expiration date on your card, you will be mailed a new card automatically.

  • Q: If my ATM/debit card is lost or stolen, or I notice unauthorized transactions on my account, who do I notify?

    A: Please notify us immediately.

    During business hours, call First State Bank at: (641) 843-4411

    After business hours, call Shazam at: 800-383-8000

    • Follow the prompts.
    • Press #1 to report a lost or stolen card.
    • A Shazam representative will take your information, deactivate your card, and contact First State Bank the next business day.