Personal Banking

Online & Mobile Banking

Bank when you want, from wherever you want!

Convenience is necessary!

That’s why FSB offers a variety of banking options, so you can bank from your desktop or mobile device, 24/7. View balances, pay bills, set alerts, transfer funds, deposit checks – all on your time!

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Visa® Debit & Credit Cards

Shopping has never been easier.

Online Banking

From your desktop.

Available with all personal accounts, online banking is a convenient and secure way for you to manage your FSB accounts and pay bills 24/7, from anywhere in the world!

Online Banking Details
  • Easily view account balances and account history
  • Quickly transfer funds between your FSB accounts and accounts you may have at other U.S. financial institutions
  • View current and previous statements
  • Conduct “stop payments”
  • Set text alert notifications
  • Make a loan payment today or schedule a payment in the future
  • Download transactions to your financial software (i.e. Quicken, Money) to easily keep track of your finances
Online Bill pay Details

At FSB, we know you have a lot to keep track of in your busy life. That’s why our Online Bill Pay¹ option is a great fit for customers with a hectic schedule. Quickly and easily set up FSB’s online Bill Pay and you can schedule recurring or one-time bill payments that come directly from your checking account.

  • Easy to set up
  • View up to 7 years of payment history all in one location
  • Earliest pay date available will show automatically with new payments
  • Receive e-mail reminders when bills are due
  • Receive e-mail notifications of new payees added for security purposes
  • Phone assistance from 7:00am to 1:00am, 7 days a week, at 1.877.303.4649
  • Your account is not debited until the payment date

Additional Online Banking Services Include:²

  • Same day payments (available through most electronic payees)
  • Next day payments (available with all payees)
  • Person-to-person payments—easily make payments to anyone with an e-mail address or a cell phone number.

¹Must be 18 years of age in order to enroll in Bill Pay with Online Banking.

²Available for a nominal fee.

Mobile Banking

From your mobile device.

Bank when you want from wherever you want with Mobile Banking from Franklin Savings Bank. It’s the fast, secure and convenient way to bank, and it’s available to all FSB customers.

Details
  • View account balances instantly
  • View recent transactions
  • View pending transactions
  • Receive text alerts on banking transactions
  • Transfer funds between accounts
  • Pay bills
  • Deposit checks
  • On-device enrollment
  • Reset forgotten passwords
  • Locate a nearby branch or ATM

Savings & Money Market Accounts

Start saving today!

Text Alerts

Stay on top of your finances with real-time alerts!

Receive custom alerts in our online banking or mobile banking app to keep you on top of your finances, wherever life takes you. With Text Alerts, you can conveniently monitor account balances, scheduled payments, transaction history, deposits, withdrawals, and much more. Plus, having the ability to customize real-time alerts is one of several easy ways we help you monitor your account as well as immediately alert you of possible fraudulent activity.

Benefits of Text Alerts
  • Monitor account balances and activity
  • Receive deposit and withdrawal notifications
  • Manage security alerts
  • Stay informed on account changes

You also have the ability to choose how to receive notifications on your account activity, such as through email, push notifications, text message, or within online banking.

Activate Mobile Alerts

After enrolling in Online Banking, follow these steps to set up Mobile Banking alerts.

  • Download FSB’s Mobile Banking app:
  • Log in to the app, then select ‘More’ from the menu
  • Next, tap on the ‘Alerts’ tile
  • Then, turn on ‘Push Notifications’ on the alerts screen
  • Follow the enrollment prompts to finish the set up process
  • Text message and data rates may apply.
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Text Alerts FAQs

Customize your alerts in real-time.

What types of mobile devices does the FSB mobile app support?

Our Mobile Banking App is available for both iPhone and Android devices. You can download the app via the Apple Store or Google Play Store.

 

How do I enable Text Alerts?

To access Text Alerts in online banking, log in using your username and password, then click on the ‘Alerts’ tab located at the navigation bar in the upper, right-hand corner. To access the alerts in our mobile banking app, touch the home button to log in using Touch ID or enter your username and password into the appropriate fields. Next, select ‘More’ from the main menu, then tap the ‘Alerts’ tile. From here you will be able to create a variety of custom alerts based upon certain events, such as transaction history, account balances, deposits, withdrawals, account changes, and more.

 

How do I enroll in Mobile Banking?

Once enrolled in Online Banking, download our Mobile Banking App by visiting the Apple Store or Google Play Store

 

Is there a cost each time I receive an alert through the mobile banking app?

Message and data rates may apply, depending on your cell phone provider. You may want to check your plan for further information on data and message allowances.

 

Card Valet

Have control over your debit activity.

Zelle

The convenient way to send money!

Zelle®

Start sending
money with Zelle®

It's a fast, safe and easy
way to send money.

Zelle is a convenient way to send money
using your mobile banking app or online banking account.

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.

Mobilize your money
with Zelle.

SEND
Send money
fast in just a
few steps.
REQUEST
Settle up with
roommates, friends
and more, regardless
of where they bank2.
SPLIT
Easily divide the
check for dinner,
coffee and more.

Frequently Asked Questions

 
WHAT IS ZELLE?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

WHO CAN I SEND MONEY TO WITH ZELLE?

You can send money to friends, family and others you trust2.

Since money is sent directly from your bank account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

HOW DO I USE ZELLE?

You can send, request, or receive money with Zelle.

  1. To get started, log into Franklin Savings Bank's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1.
  3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Someone sent me money with Zelle, how do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Franklin Savings Bank.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What types of payments can I make with Zelle?

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.

Neither Franklin Savings Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I get started?

It's easy — Zelle is already available within Franklin Savings Bank's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose financial institution doesn't offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle work?

When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Franklin Savings Bank).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Franklin Savings Bank of the incoming payment. Franklin Savings Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle internationally?

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call customer services at 1.800.372.4445 so we can help you.

Scheduled and recurring payments are not sent with Zelle. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes1.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact customer services at 1.800.372.4445.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority for Franklin Savings Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

I'm unsure about using Zelle to pay someone I don't know. What should I do?

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Franklin Savings Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team (1.800.372.4445) and ask them to move your email address or U.S. mobile phone number to Franklin Savings Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Franklin Savings Bank account so you can start sending and receiving money with Zelle through the Franklin Savings Bank mobile banking app and online banking. Please call Franklin Savings Bank's customer support toll-free at 1.800.372.4445 for help.

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