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Frequently Asked Questions

FAQs: Personal Banking

Q: How can I set up direct deposit?
A: Customers can set up Direct Deposit with their company’s payroll or Human Resources Manager. Simply fill out their form and include your First State Bank Central Texas Bank checking account number you wish to have your check deposited into.  Direct Deposits are available on the settlement date (pay date) of the transaction.

Q: My debit card is lost/stolen. What do I need to do?
A: Contact customer service immediately at 254.899.6610 during banking hours to report a lost or stolen card and request a new card.  If it is outside our normal business hours, please call 1.866.546.8273 to report your card as lost or stolen. You will also need to contact customer service during normal business hours at 254.899.6610 to order a new card.

Q: How do I reset my PIN for my debit card?
A: Please visit any of our branches to reset your pin number.  Due to security reasons, we do not reset pins over the telephone.  Please have a current form of identification available for verification purposes.

Q: How do I reorder checks?
A: To reorder checks you can visit https://www.clarkeamerican.com or contact your local branch.

Q: How to I update my address if I have moved?
A: To change your current address for one or all accounts visit your local branch.

Q: How can I get paper statements?
A: If you are currently enrolled in e-Statements and would like to receive paper statements please contact your local branch or Treasury Management Client Support at 254.899.6601.

Q: How can I check my balances and transactions on my account(s)?
A: Our state of the art electronic banking products and services allows you to access your account information in many ways:

  • NetTeller Online Banking
  • Mobile and Text Messaging Banking
  • Voice Response Telephone Banking

Q: How can I place a stop a payment on a check and is there a fee?
A: You can place a stop payment through your NetTeller online banking by selecting the specific account and then selecting the Stop Payments menu, then click on “New Stop Payment” from the menu.  Or contact your local branch. Yes, there is a fee for placing a stop payment.  Stop payments expire after six months.

Q: Can I place a stop payment on any type of transaction?
A: No, you cannot place a stop payment on debit card transactions.  If you have unauthorized debit transactions posting to your debit card account, please contact your local branch.

Q: How can I place a stop payment on a Bill Pay Check?
A: You can place a stop payment through your NetTeller online banking by selecting the specific account and then selecting the Stop Payments menu, then click on “New Stop Payment” from the menu.  Or contact your local branch. Yes, there is a fee for placing a stop payment.  Stop payments expire after six months.

Q: Can I dispute unauthorized debit transactions on my account?
A: If you have unauthorized debit transactions on your account, please contact your local branch.  You will be required to sign a dispute form for us to process the dispute.  

Q: What is First State Bank Central Texas’ routing number?
A: 111910005

Q: What coverage does the FDIC offer?
A: $250,000 FDIC coverage refers to the total of all deposits that an account owner (or account owners) has at each FDIC-insured bank in different ownership categories. The new coverage limit is effective through December 31, 2013.

FAQs: General Info

Q: How do I switch my banking to First State Bank Central Texas?
A: Making the move to First State Bank Central Texas is easy. Click here for our Easy Switch Kit.

Q: Where are your locations?
A: Click here for a list of all locations.

Q: What are your business hours?
A: Click here for a list of our location hours.

Q: What are your bank holidays?
A: First State Bank Central Texas observes all Federal holidays.

FAQs: Online Banking and Bill Pay

Q: What system requirements do I need to have for Personal or Business Online Banking?
A: NetTeller and NetTeller Advantage supported systems and browsers include:

Microsoft Windows ( 2000, & XP) Vista , 7 and 8 

  • Microsoft IE: 7.0 or higher 
  • Mozilla Firefox: 3.0 or higher
  • Apple Safari: Current Release only 5.1.7
  • Google Chrome: Current Release

Mac OS X

  • Apple Safari: Current Release only 5.1.7
  • Mozilla Firefox: 3.0 and higher

Q: How do I enroll in Personal Online Banking?
A: Sign-up for NetTeller Online Banking at your local branch.  Online Banking is a free service that is available 24/7 anywhere you have internet access!

Q: How do I enroll in NetTeller Online Bill Pay?
A: Sign up through NetTeller Online Banking or contact your local branch.  Pay your bills online whenever you want!

Q: How secure is NetTeller Online Banking and Bill Pay?
A: NetTeller Online Banking access requires you to use web browsers that use SSL protocol.  SSL Protocol is Secure Socket Layer, which lets one computer verify another’s identity to allow secure connections.  To ensure the highest level of security any data that is transferred is made over secure connections, utilizing 128 bit data encryption.  All account information is kept behind advanced firewall technology to prevent any outside access.  Multi-Factor Authentication is used to protect from online predators by requiring multiple pieces of information to validate identity. Multifactor Authentication automatically monitors accounts for unusual activity based on account history and requires customers to verify their identities by answering pre-selected challenge questions if unusual activity is detected.  A second MFA feature allows you to select from a library of images or a “watermark” that can be displayed upon log-in to further verify that you are connected to First State Bank Central Texas’ legitimate website rather than a fraudulent copycat site.

Paying bills online is one of the safest ways to pay your bills!

Q: I am locked out of my Personal Online Banking. How do I regain access?
A: To have your password emailed to you, simply enter your Internet Banking ID where prompted on the NetTeller Online Banking login screen and select the ‘Reset Password’ link and follow the prompts.  If you need further assistance, contact Treasury Management Client Service at 254.899.6601 or email us at tm@fsbcentex.com.  Someone will assist you during normal business hours.

Q: How do I sign up for e-Statements?
A: To sign up for e-Statements simply log into your online banking. Once logged in, click on “e-Statement ad” or sign up at your local branch. 

Q: How do I retrieve my e-Statements and/or e-Notices?
A: Once logged into your NetTeller Online Banking, click on the appropriate account, click on “e-Statements menu”.  This will retrieve all your e-Statements and e-Notices that are available.

 

Q: How do I sign up for Mobile and Text Message Banking?
A: First State Bank Central Texas Mobile and Text Message Banking solutions, enables bank customers to take us with you when you go!  Mobile and Text Message Banking is a free service and is available to all NetTeller Online Banking customers.  You can enroll in Mobile and Text Message Banking through your mobile device by downloading the iPhone or Android app or by going to http://mobile.fsbcentex.com on your mobile browser.  Enter your online banking ID and Password and accept the mobile banking agreement.  It’s an easy convenient and secure way to manage your FSBCT accounts. 

Mobile Banking - Receive up to the minute account information and initiate routine banking functions such as:

? View Account balances
? Transaction history
? View Account alerts
? Account Transfers
? Pay bills
? Utilize GPS to get directions to ATM/location information

Text Messaging “Text Banking/SMS” - Send a text message to us to request and receive up to the minute account information such as:

? Account Balances
? Recent Transaction information

*Enroll in Mobile and Text Message Banking from your mobile device or through NetTeller online banking!

Q: How are Bill Payments delivered?
A: Bill Payments are delivered either by paper check or electronically depending on the capability of the payee. Bill Payments by paper check are deducted from your account only after received by payee and cleared through your account as if you wrote them personally.

Q: When will the money be taken out of my account for Bill Payments?
A: Bill Payments made by paper check are handled the same way as a check written out of your checkbook.

Electronic payments are verified for funds availability during processing.  If the funds are available, your account is debited for the payment when the payment is processed.  If the funds are not available, you will receive a message that the funds could not be processed due to insufficient funds.

Q: Can I stop payment on a Bill Payment transaction?
A: A stop payment cannot be placed on an electronic payment.  You can place a stop payment on a paper check payment.  Please follow the same process as for a regular stop payment.

Q: Can I transfer funds from my account at First State Bank Central Texas to another institution?
A: Fi to Fi Transfers allows you to move money from your personal checking or saving accounts at FSBCT to accounts at other financial institutions through you NetTeller Online and Mobile Banking service. To sign up for Fi to Fi Transfers simply log into your online banking. Once logged in, click on “Fi to Fi Transfers ad” or sign up at your local branch. 

FAQs: Business

Q: What is the routing numbers for a wire transfer?
A: 111910005

Q: How do I send a wire?
A: To initiate a wire transfer, please visit your local branch or you may initiate domestic wire transfers via your NetTeller Advantage Online Banking service.  If you do not have access to wire transfer service through your NetTeller Advantage Service, please contact Treasury Management @ 254.899.6601.

Q: How do I receive a wire?
A: To receive a wire transfer to your account, please provide the following information to the individual or business that is sending the wire:

  • Wire Routing Transit Number: 111910005
  • Bank Name: First State Bank Central Texas
  • City, State: Temple, TX
  • Your Account Number: Your account number
  • Title of Account: The name of your account as it appears on your statement

Q: How do I enroll in NetTeller Advantage Online Banking for my business accounts?
A:
To enroll in NetTeller Advantage Online Banking for your business, contact your local branch or Treasury Management at 254.899.6601 during normal business hours.

Q: What system requirements do I need to have for NetTeller Advantage Online Banking Service?
A: NetTeller Advantage minimum requirements:

Microsoft Windows ( 2000, & XP) Vista , 7 and 8 

  • Microsoft IE: 7.0 or higher 
  • Mozilla Firefox: 3.0 or higher
  • Apple Safari: Current Release only 5.1.7
  • Google Chrome: Current Release

Mac OS X

  • Apple Safari: Current Release only 5.1.7
  • Mozilla Firefox: 3.0 and higher

**FirstNetACH is only qualified for use with Microsoft Internet Explorer on Windows PC's**

Q: How do I sign up for e-Statements?
A: To sign up for e-Statements for your business, contact your local branch or Treasury Management at 254.899.6601 during normal business hours.

Q: How do I retrieve my e-Statements and/or e-Notices?
A: Once logged into your NetTeller Advantage Online Banking, click on the appropriate account, click on “e-Statements menu”.  This will retrieve all your e-Statements and e-Notices that are available.

Q: I am locked out of my NetTeller Advantage Online Banking. How do I regain access?
A: For NetTeller Advantage login assistance, contact Treasury Management @ 254.899.6601 or email us at tm@fsbcentex.com. Someone will assist you during normal business hours.

Q: Can I use Quicken/QuickBooks/Microsoft Money in conjunction with NetTeller Online Banking?
A: Yes, First State Bank Central Texas offers Direct Connect with QuickBooks and Quicken products and Microsoft Money.  Direct Connect refers to two-way connectivity between First State Bank Central Texas’ OFX server and QuickBooks/Quicken and Microsoft Money.  Direct Connect uses the OFX protocol to allow customers to access account information, pay bills, transfer money from within QuickBooks or Quicken or Microsoft Money.  Downloaded transactions are automatically matched with existing transactions and new ones are entered into the register.  Previously downloaded transactions are filtered out so duplicates are not created.  You can setup Direct Connect from within QuickBooks or Quicken. 

  • What is Direct Connect? - Direct Connect allows a two-way connectivity between the bank and the accounting software. With Microsoft Money, or Intuit Quicken/QuickBooks you may connect directly to the bank’s OFX server to request account transactions, initiate transfers, and send payment requests.

  • What is OFX? - Open Financial Exchange (OFX) is the industry standard for electronic transfer of financial data between financial institutions (FIs), businesses, and consumers via the Internet. OFX streamlines how financial information is delivered from our bank directly to your computer.
  • Is Direct Connect secure? - Yes, Direct Connect is fully secured with support for 128-bit encryption. We authenticate your identity based upon your NetTeller Online Banking User ID and Password.
  • How many days of data are available for me to download? - All transactions listed for the last 90 days can be downloaded.

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