Online Banking FAQ
How do I sign up?
There are two ways to sign up for Online Banking.
- Enroll for Online Banking online now
- Or come into one of our bank branches, and ask a Customer Service Representative to sign you up.
What does Online Banking cost?
There is no monthly cost.
What can I do with Online Banking?
View balances and account activity, transfer funds, get account alerts, make payments (with Bill Pay), add or delete stop payments (stop pay fees apply) and much more.
How long can I see my account activity online?
You can view up to 90 days of account activity online. We will be steadily increasing that to 18 months over the coming year.
Forget User ID or password?
- You can use the Forgot Password link on the Log In page to help you access your account. If you still need assistance, please call us at (573) 893-5665 for assistance.
- Or follow this link
What is multifactor authentication?
It is our way of identifying you in our system so we know you are who you say you are.
- Your user ID
- And your computer location
Is my online banking secure?
To protect transactions, we only accept logins originating from a browser that supports the highest level of encryption (128-bit SSL). Encryption prevents transactions from being read by unauthorized parties over the Internet. For Online Banking, we recommend you use one of the following browsers, although other browsers may be supported: For Windows: Internet Explorer 11.0+. For Macintosh/iOS: Safari 10.0+.
What Browser should I use?
We recommend using one of the following browsers in its most current version or the version previous for optimal viewing of this website:
- Internet Explorer – Download now
- Firefox – Download now
- Chrome – Download now
- Safari – Download now only for Apple/Mac Users
- Please note: When browsing securely, the browser will display a locked padlock icon in the address bar. If this is not displayed on the browser, log-off immediately since the website is not the Farmers Bank of Lohman website.
1While the Farmers Bank of Lohman works very hard to protect your banking privacy, you also have an important role in protecting your accounts. There are several steps you can take to ensure that your Farmers Bank of Lohman Online Banking account information is protected:
- Don't reveal your User ID or password to anyone. Your User ID and password are designed to protect your banking information, but they will only work if you keep them to yourself.
- Change your Farmers Bank of Lohman Online Banking passwords frequently.
- Don't walk away from your computer if you are in the middle of a Farmers Bank of Lohman Online Banking session.
- Once you have finished your Farmers Bank of Lohman Online Banking session, sign off before visiting other internet sites.
To assure the utmost security of your account, follow these simple tips:
- Click the EXIT button to log out of your session
- Close your browser window
- Clear your browser's cache to erase any stored information2
2This is especially true if you notice any suspicious or unusual activity related to any of your accounts. If this is the case, contact us immediately at (573) 893-5665.
What is bill pay?
Bill Pay is a web-based service that provides you with a secure, convenient way to electronically initiate payments to businesses or individuals, which saves you having to buy checks and stamps.
What does Bill Pay service cost?
There is no monthly cost.
When does the money come out of my account?
This varies based on how the payment processes. Once a payment is scheduled and submitted for review, the system will provide the subscriber payment processing details.
When is Bill Pay available?
Bill pay is available 24 hours a day, 7 days a week. Many payments can be processed as late as 10:00pm EST each business day. However, some payment cut off times may be earlier, as this is determined by the payee. Payments scheduled for a weekend date, will default to the next available weekday processing date. The bill pay calendar widget will display the earliest date you can make a payment.
When will my bills get to the biller - Sometimes payments can be sent directly to a business electronically if we have a banking relationship with them. Other times, a check must be cut and mailed. Typically, if the item can be sent electronically, it will arrive in 1-2 business days. If the check has to be mailed, it may take up to 4 business days to arrive based upon the speed of mail delivery.
Can I make payments on my loans from Farmers Bank of Lohman?
Yes as long as they’re set up as a payee in bill pay.
Is there a dollar limit on how much I can pay?
The only limit is the availability of funds in your account.
Can I do a rush payment?
An expedited payment is a payment that is delivered to the payee faster than standard payments, typically overnight. These payments are subject to a nominal convenience fee that is automatically debited from your funding account.
How do I sign up?
Sign up online by logging into Online Banking and visiting "Manage Paper Preferences" under “My Accounts”. Select which accounts you would like to receive electronic statements and select “Save Changes”. It's that easy.
Will I continue to get paper statements?
If you sign up for an Estatement, you will no longer receive paper statements in the mail. All of your statements will be available online. If for some reason you are still receiving a paper statement and getting an Estatement, please contact the bank to turn off your paper statement.
What do I need in order to read my Estatement?
To view an Estatement online, you need Adobe Acrobat Reader installed on your computer. Your Estatement is available for viewing in Online Banking. We will not send it in an email but will notify you via email that it is available for you to securely view.
How long are Estatements available?
Once you sign up and once we begin creating Estatments for you, you will be able to see up to 999 days’ worth (over 2 ½ years) Remember though, we can’t go back in time and create old statements before you sign up.
How do I change my email address to be notified when my statement is available?
Once enrolled you must be sure your email address is accurate. You can change your email address is Online Banking. Simply go to the Profile button in the top right corner of the home screen and edit your address.
How do I sign up?
You must be an Online Banking customer. Enrollment for Mobile Banking is not necessary if you are already enrolled for Online Banking. Simply browse to our website from your smartphone or download our mobile app from your iPhone or Android's App Store. You will need to enroll in Text Banking via Online Banking.
What does mobile banking cost?
There is no monthly cost.
Is Mobile Banking secure?
Yes, Mobile Banking uses best practices from Online Banking, such as HTTPS, 128-bit SSL encryption, multi-factor authentication for login and application time-out when your mobile phone or device is not in use. Additionally, no account data is ever stored on your phone or device.
What phones are supported?
Any text (SMS) capable phone from one of our supported carriers. Supported carriers include, but are not limited to: AT&T, US Cellular, SprintPCS, T-Mobile, Verizon Wireless, and MetroPCS. Normal SMS fees will apply.
What if I get a new phone or new phone number?
If you get a new phone or change phone numbers, be sure to return to Online Banking, select Other Services, select Mobile Banking and click deactivate next to your old number, and add your new mobile phone number in the same spot. Alternatively, you may also text “STOP” from the number you are giving up to deactivate all SMS messages to that number.
What types of mobile banking are there?
Downloadable application from Apple, Android or Amazon. Text Banking is also available to sign up for via Online Banking. To enroll in Text Banking, log in to Online Banking, select Account Services and then click on Set Up Text Banking and View Mobile Apps. After successful enrollment in Text Banking, your phone will receive a text message with the Text Banking short code, and your Online Banking email will receive an email with a list of commands.
What are the Text Banking commands?
To be found within the Mobiliti Help Section of Online Banking.
What can I use Mobile Banking for?
With Mobile Banking, you have all the capabilities that you have in Online Banking but on your phone, tablet and more. Mobile Banking offers you the ability to check balances, transfer funds, pay bills, view statements and much more, all from the convenience of your smart phone or tablet. Use our mobile app to find a bank location near you.
Mobile Check Deposit
How do I sign up?
By signing up for Mobile Banking through our Online Banking system and having a compatible mobile or tablet device.
How does it work?
In the Mobile App, select the Deposits icon. Choose deposit to account, enter the amount of the check, snap photos of the front and back of the endorsed check and submit the deposit. Sign your check as it is made payable to you and endorse the check " For Deposit Only ". You will be asked to verify your entries before completing your deposit. If your check is not endorsed properly, we cannot accept it through Mobile Check Deposit.
What is the cost?
We do not charge for mobile deposits, but your mobile carrier may charge fees depending upon your plan.
What is the dollar limit on deposits?
You can deposit up to $2500 per day.
What types of checks can I deposit?
Personal or business checks payable to you in US Dollars.
What types of checks cannot be submitted?
Foreign checks, traveler’s checks, savings bonds, money orders, checks not payable to you, illegible or unreadable checks, stale date (6 months or older), postdated checks, altered or non-negotiable marked checks.
How do I know my deposit made it?
Deposits made and accepted by the system before 3 pm Central time will post that business day. Users are notified immediately of valid deposits, while poor images and duplicate deposit attempts are rejected. In addition, you can use the Services to review deposit activity in your account and see immediately that a deposit is being made.
What do I do with the check itself?
Once you have deposited the check successfully, you should keep the check in a safe place. Be very careful not to accidentally present your check a second time for deposit at the bank or another location. Confirm your deposited funds have been applied to your account correctly, reconcile your deposits to your monthly bank statement, and only then, shred the check and dispose of it safely.
Other Mobile Check Deposit Tips
- Make sure that all other apps running in the background are closed.
- Verify that the back of your check is signed (endorsed) and labeled “For Deposit Only”.
- Flatten folded or crumpled checks before taking your photos.
- Keep the check within the on-screen corners when capturing your photos.
- Capture the photos of your check in a well-lit area.
- Place your check on a solid dark background before taking your photos.
- Keep your phone's or tablet’s camera flat and steady above the check when taking your photos.
- Make sure that the entire check image is visible and in focus before submitting your deposit.
- Make sure that the check amount entered matches the amount written on your check.
How do I sign up?
Enroll today for this FREE service offered through online banking. We can alert you via e-mail or text message. You choose the most convenient method for your lifestyle. You will be notified with an alert when the certain activities you specify occur.
Farmers Bank of Lohman offers many different account alerts. Log into your online banking and alerts can conveniently be added or viewed on the top of the initial login account summary page. Click on the alerts to view or to add the alerts you would like sent to you via online banking, text or email. It's that simple.
Once you choose the alert you would like to receive, choose your option of delivery. To receive a text message just enter your cell phone number and select your cell phone carrier from a dropdown list. Or if you want to receive them by email enter your preferred email address.
*Farmers Bank of Lohman does not charge for the Account Alert services. Standard text messaging rates may apply from your service provider. Please check with your service provider.
What is an Alert?
Alerts are a great way for you to stay informed about activity in your accounts. You can receive timely notifications via email or text messages to your cell phone alerting you if your account balance falls below a specified amount, if a direct deposit is made to your account, as well as many other notification options.
What is CardValet? What does it do?
CardValet is an app that allows you to control when and how your card is used. Additionally, the app allows you to setup alerts based on spend limits and merchant type. The app also gives you the ability to turn your card off and on in the event it is lost or temporarily misplaced.
Is there a charge for using the CardValet service?
CardValet is a free app that will give you the freedom of controlling when and how your card is used. Standard data rates may apply.
Does CardValet work on Android phones and iPhones?
CardValet works with the most recent mobile operating software as well as two past versions of the software for Android and Apple iOS devices.
Can I use CardValet on an iPad or Android based tablet?
At this time, CardValet is not designed for use on tablets.
How long does the app stay logged in if you don’t log out?
The app automatically logs you off in 10 minutes.
What should I do if my card becomes lost or stolen?
If your card should become lost or stolen, you can use your CardValet app to turn your card off immediately to prevent fraud. However, you will still need to contact the bank as soon as possible in order to complete the process of closing the card and having a new card issued.
How do I sign up?
Download the CardValet app on the Google Play Store or the Apple App Store and simply follow the directions.
How does it work?
Allows you to turn your Farmers Bank of Lohman debit cards “on” and “off” when you aren’t using them. Allows you to establish transaction controls for dollar amount limits, merchant types and geographic locations. Permits you to receive alerts when your payment card is used, approved or exceeds the transaction controls you set
How can it help?
By controlling your spending. Set spending limits for general use, or specify amounts at specific locations. By monitoring your finances from anywhere. Use the CardValet app to check your account balances. By helping you pay safely. You can safeguard your information by deactivating your card when it’s not in use. Protect your debit card against fraud and theft by turning it on and off, and get real time alerts to ensure your card is used only by you.
What information do I need to have available when registering for CardValet?
You will be asked for the card number, address, ZIP code, expiration date, CVV code, and the last 4 digits of the social security number associated with the card. If a social security number is not available for verification, secondary information may be used to validate your identity. Secondary authentication includes: security token sent in an email, or the amount of a PIN transaction performed in the past 72 hours.
What if I lock myself out while attempting to enroll for the CardValet service?
If the requested information is entered incorrectly three (3) times your registration will be suspended for 30 minutes. After 30 minutes registration can be attempted again. If the information is entered incorrectly three (3) more times you will need to contact the bank to verify we have the correct information on file and have your registration reset.
What are the CardValet password requirements?
CardValet passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.
Can multiple cards be linked to one registered CardValet account?
You can register multiple cards within a single CardValet app. Additional cards can be added within the “Manage Portfolio – Add Card” screen.
How many cards can I register within a single CardValet application?
You can add an unlimited number of cards.
When adding more than one card, what type of information do I need in order to register each card?
You will need to enter the same level of detail entered for the original card. This information includes the card number, address, ZIP code, expiration date, CVV code, and the last 4 digits of the social security number associated with the card. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.
I’m registered, but, I have forgotten my password and now I’m locked out, what do I do?
Anytime your password and/or username are entered incorrectly, you will see a message that says “Login Failed. Please enter a valid username or password”. If the information is entered incorrectly three (3) times, the access will be locked out. Note: once you’re locked out, the same failed message will continue to display. To be unlocked and/or reset, you will need to contact us at 573-893-5665 during regular business hours.
When I receive a new card due to expiration, reissue, or replacement, will I have to update my card within the application?
Anytime a new card number is issued, be it for expiration or replacement, you will need to “add” the new card to your profile. This can be accomplished by going to Menu > Manage Portfolio > Add Card. In addition, you may hide the old card by accessing Menu > Manage Portfolio and simply removing the check mark next to the card that you want to hide.
I can download the card on multiple devices but I am requested to indicate which device is “primary.” What is the purpose of assigning a primary device? Can I make changes to the settings from the non-primary devices?
The primary device is used to track the GPS for the “My Location” alerts and controls. All merchant and threshold alerts will be sent to this device. All devices that a particular card has been registered to can view or change the CardValet settings for that card.
Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which device was used to make the change.
Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device.
The primary device can be re-set by accessing “Settings – Primary Device.”
Controls and Alerts:
What are Controls and Alerts? What is the difference between a control and an alert?
Controls can be used to restrict transactions based on certain parameters, whereas alerts are only notifications that a transaction has been conducted or attempted. Controls facilitate the on/off CardValet setting, as well as limiting usage based on merchant type, location, or transaction amount. Alerts can be set to notify you based on the parameters you chose regarding merchant type, location, transaction amount, or you may choose to be alerted for all card transactions.
What is the difference between the “My Location” control and the “My Region” control?
The “My Location” setting matches the cardholder’s location using the primary mobile device’s GPS and the merchant’s location based on the ZIP code or city that has been setup for the merchant. The “My Region” setting is established using city, state or ZIP code on an interactive map, this option does not require you to carry your primary device at all times.
What exactly is the range of the “My Location?” controls, and will this control setting impact internet transactions?
The “My Location” controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not typically impacted.
I swiped my card at a local merchant, but was still declined due to the “My Location” or “My Region” control, why?
There are some local merchants that use out of area processors for their card transactions, those transactions may be declined for these types of merchants if the “My Region” or “My Location” controls are active. Please deactivate this control and attempt the purchase again.
How exactly does the on/off feature work?
The on/off control within CardValet will allow you to block transactions at any time for any reason. The on/off function will not affect transactions that were approved prior to the card being turned off or to transactions that have been setup as recurring.
Can I block all international transactions?
International transactions can be blocked using the “International” location control. Transactions will be limited to the United States. IF this option is selected, you will not be able to also use either the “My Location’ or ‘My Region” controls. Always contact the bank if you plan to travel outside of the country.
Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions?
Previously authorized and recurring payments will continue to process and will bypass the CardValet edit checks.
How long does it take for a control or alert setting to take effect?
Control settings take effect as soon as the “Updating information” message in the app stops.
How are controls established for various merchant types?
Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others. Please note that it is possible for a retailer to forward an MCC that may differ from the CardValet merchant type classification. For example, a restaurant may be coded as a grocery store if it offers both services.
How can I turn off notifications at certain times such as when I am sleeping?
You can set the “Do Not Disturb” time that will suppress notification during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.
If I set multiple alerts and a transaction fits more than one of the alerts will I receive a separate message for each alert?
“Threshold” and “Location” alert settings, then you will see only one alert containing this information, not two alerts.
When is a low balance alert generated?
CardValet updates the balance under two conditions: (a) when you log into CardValet and (b) when you tap “Refresh.” Even if the balance has fallen below the threshold that has been set, it is only updated when you log into the app or tap “Refresh,” which then triggers the alert.
Will the controls effect transactions that have already been approve or those that are monthly, recurring transactions?
No, recurring transaction and transactions that were authorized before controls were set (including the on/off control) will not be impacted by CardValet.
Does the app show recent transaction history?
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
What type of transactions display in CardValet?
CardValet only shows the transactions that are performed with the card. It does not show those transactions that were completed on the account without using your card, such as teller transactions or bill pay on an account.
Will the balance be updated to include teller transactions?
The balance will be updated to reflect the teller transactions once they have posted to your account. The balance is updated the next time you log into CardValet or tap refresh.
What transactions make up the Spend Total and Balance displayed within CardValet? How do these two features function?
The Spend Total is made up of all card based transactions conducted on all the cards you have added into CardValet, this total resets monthly and can be useful in tracking your spending and budgeting. The balance displayed is your available balance and is refreshed each time you login to CardValet, or, when you tap the refresh icon.
If I use CardValet, do I still need to alert the bank when I travel?
CardValet gives you an added layer of security, but, it does not supersede the security features that are already in operation. For your protection, you should always advise the bank of your travel plans.