FAQs Center

A merchant could be processing a refund. This zero amount indicates the refund process has started. The refund amount will be in your account when the merchant finalizes the transaction. If the refund does not post to your account within 5 business days, please contact the merchant.

Contact a Customer Service Representative at 1-800-749-4583 immediately. We can provide you with additional information on the transaction in question and assist you with a resolution by starting a dispute, if needed.

Please use FSNB’s automated phone system or visit a branch in your area to select a new PIN. There is a $1.00 fee if pinned at the branch.

First, check to make sure you have available funds and the transaction amount, plus any previous pending transactions, is not more than your daily spending limit. If you think there is a problem with your card, please contact FSNB Customer Service at 1-800-749-4583. If it is after hours, please call 1-877-253-8964.

Contact FSNB at 1-800-749-4583 immediately to have the card closed and review your transactions. After business hours your call will be directed to the automated phone system. It will ask for your Social Security Number and all your cards will be restricted until you contact the cards department the next business day. You can also access the Card Control function to freeze your card immediately. A replacement Visa debit card can be obtained by: Visiting any FSNB branch, logging onto your account at FSNB Online Banking and completing the “Request Card Replacement” form, or by sending a written request to: FSNB PO Box 33009 Ft Sill OK 73503 ATTN: Cards Department. Please include your address, phone number, account number and signature. You can email a copy of the signed request to cards@fsnb.com. Please include your address, phone number, account number and signature. A $10.00 Visa debit card replacement fee will be applied to your account.

FSNB allows one card per customer, per account. If you have more than one FSNB checking account you may apply for a debit card for each of your accounts.

Yes, please contact a Customer Service Representative at 1-800-749-4583 or use FSNB’s automated phone system to assist you with raising the limit for a period of no more than 3 days. Please note that if you need the limit raised above $5000, a written request is required.

Please contact a Customer Service Representative at 1-800-749-4583 immediately. Information will be obtained so we can contact the owner of the ATM to request your funds. This process can take up to 45 calendar days.

Normal processing time for applications is 1 to 2 business days upon receipt. You will be notified of the decision by mail.

Once approved, you will receive your credit card within 7-14 business days.

You can apply for a limit increase after having your card for a period of 6 months. Limit increases are subject to credit approval. Please call in for more details

FSNB: 1- 580-357-9880/1-800-749-4583 Mon-Fri 9:00 am -5:00pm CST

After Hours Visa customer service: 1-800-423-7503
Visa card activation: 1-800-543-5073
Lost/Stolen: 1-800-325-3678

www.mycardstatement.com, to inquire on card balances, availability of funds, and to schedule payments.

For security reasons, each person must individually enroll. Each person has an individual login and password which uniquely identifies that person. Never share your login information or your password.

A secure access code is a one use code that allows you to identify yourself in an online banking session. It is available for one use only and is valid for 60 minutes. It also allows you to activate your computer or device for later use.

If a secure access code is required and you are not able to receive it you will not be able to complete the log in process. Please contact a member of our online banking team at 1-800-749-4583. They are available to assist you between the hours of 7:00 a.m. and 5:00 p.m. Monday through Friday and 8:00 a.m. to 1:00 p.m. on Saturday Central time.

Your login will be temporarily locked for 24 hours, after that time has expired you can try to log in again. If you need immediate assistance, please contact a member of our online banking team at 1-800-749-4583. They are available to assist you between the hours of 7:00 a.m. and 5:00 p.m. Monday through Friday and 8:00 a.m. to 1:00 p.m. on Saturday Central time.

This may happen if the browser you are using is deleting the cookies when you exit the browser session. Please contact a member of our online banking team at 1-800-749-4583. They are available to assist you between the hours of 7:00 a.m. and 5:00 p.m. Monday through Friday and 8:00 a.m. to 1:00 p.m. on Saturday Central time.

Registering your computer is not required. If you choose to activate a computer for one time use, you will need to get a secure access code each time you log in. If you are using a computer shared by others for security reasons you should not register the computer.

The forgotten password process will only work from a registered computer or device. If you have not registered the device that you are using please contact a member of our online banking team at 1-800-749-4583. They are available to assist you between the hours of 7:00 a.m. and 5:00 p.m. Monday through Friday and 8:00 a.m. to 1:00 p.m. on Saturday Central time.

If you are in the 5 Star online banking package you will have access to bill pay. You can conduct this type of transaction using your bill pay service. If you have not already enrolled, please click on the bill pay tab and follow the enrollment process. You will then have to set up the other bank as a payee to proceed.

Bill pay is a feature of our 5 Star online banking package. To get started just click on the bill payment under the transactions tab and complete the enrollment process. Once the bill pay account has been activated by our service provider you will be able to start making payments. We encourage you to view our bill pay demo by clicking on the bill pay tab from our home page.

You will need to enroll in online banking first, then you can download the FSNB app from the Apple store or from Google play using your smart phone or tablet. Data charges may apply.

In your online banking session click on the Mobile tab under Preferences. Click on Text Banking and enter your new phone number in the SMS Text Number field, agree to the terms and conditions and click submit.

For step by step instructions click on the Online Banking tab on our home page and select E-Statements. Please remember if you are using a Safari browser to enable cookies before starting the sign up process.

You can export your account data directly from the Account History page for use with applications such as: Microsoft® Excel, CSV format, Quicken®, & QuickBooks®. What is Quicken?

No, you can be a civilian or military.

New checks should arrive within 10 - 14 business days.

Please use FSNB’s automated phone system or visit a branch in your area to select a new PIN. There is a $1.00 fee if pinned at the branch.

A minor may not have their own Checking or Savings Account. However, an adult may co-own the account with the minor if the minor is at least 16 years old.

Both the original signer and the new person added to the account must be present to sign the signature card. The person added to the account must present a valid US Government or state issued photo ID (Driver’s License, State ID Card, US Passport, Etc.).

FSNB allows one card per customer, per account. If you have more than one FSNB checking account you may apply for a debit card for each of your accounts.

Time is very important in stop payment situations. For the fastest response, please call our Customer Service Department. You can also submit your request through FSNB Online Banking. To submit your request online please click on the Services Tab, Stop Payment, Request Stop Payment and follow the prompts to complete and submit a request. You will receive a secure message notification when your stop payment has been placed on your account.

When an item is presented for payment and as long as you maintain your account in good standing (making regular deposits, bringing your account to a positive balance and paying all bank fees charged to your account) the Bank may pay the item if the item and overdraft fee is within your Overdraft Protection limit. However, whether we pay your overdrafts can be discretionary if your account is not in good standing.

The amount of your Overdraft Protection depends on your deposit activity. If you have direct deposit, your Overdraft Protection limit will be set within 30 days of receipt of your first direct deposit. If you don’t have direct deposit, your account will be monitored for deposit activity to determine the appropriate Overdraft Protection limit. Without direct deposit, you must have $300 in deposits, in a calendar month, to activate your Overdraft Protection. After you establish regular and recurring deposit activity, you will be notified of the amount of your Overdraft Protection.

There is no cost to have Overdraft Protection on your account. However, when you use your Overdraft Protection your account will be charged a $20.00 overdraft fee for each item paid.

You will receive an overdraft notice in the mail each time items are presented against an insufficient account balance. Overdrafts above your established Overdraft Protection limit may result in a check or electronic debit transaction being returned to the payee. The current return item fee will be charged per item and addressed to your account. So as not to exceed your limit, if you use your Overdraft Protection, you should note that the amount of the overdraft plus the $20.00 per item overdraft fee will be deducted from your Overdraft Protection limit.

The chart below is designed to show the different ways you can access your FSNB Overdraft Protection limit and whether or not this limit will be reflected in the balance provided.

Any deposits you make will first be applied toward your overdrawn balance. You should make every attempt to bring your account to a positive balance within 30 days. If, after a period of time, your account has not been brought to a positive balance, your Overdraft Protection may be suspended or revoked until your account is maintained in good standing.

You may contact FSNB and request an increase in your Overdraft Protection limit at any time. We may also periodically notify you of an automatic increase in your limit. You will receive advance notice of the increase. You may decline the increase (opt out) by contacting us as explained in the notice. If we do not hear from you, your Overdraft Protection limit will automatically increase on the effective date provided in the notice. If you would like immediate access to the increase please contact us and we can expedite the increase to your Overdraft Protection limit.

In the event you would like to have this service removed from your account, you may do so by simply calling (800) 749-4583. However, once this service is removed, you should keep in mind that if an item is presented for payment and there are not sufficient funds in your account, the item may be returned to the payee and our return item fee of $20.00 will be charged per item

FSNB OVERDRAFT SHOULD NOT BE VIEWED AS AN ENCOURAGEMENT TO OVERDRAW YOUR ACCOUNT. AS ALWAYS, WE ENCOURAGE YOU TO MANAGE YOUR FINANCES RESPONSIBLY.

The best way to avoid overdrafts and their fees is to manage your account so you do not overdraw it. However, if a mistake does occur, FSNB can also cover your overdrafts by linking your account to another checking or savings account with us. If you overdraw your checking account, and have another account with us, we can automatically transfer the amount you need to cover your overdraft. Advance setup for this service is required.

This is called a Sweep and the service can be requested by calling customer service at 1-800-749-4583 or submit a secure message in Online Banking.