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Find out answers to frequently asked questions here.

Checking FAQs
Savings FAQs
Online Banking FAQs
Cards FAQs
Overdraft Protection FAQs

Checking Account:

Question: What is the (ABA) Routing Number for FSNB?
Answer: The (ABA) Routing Number for FSNB is 103112675.

Question: I need to stop payment on a check. How do I do this?
Answer: Time is very important in stop payment situations. Please call our Customer Service Department or send us a "bankmail" through The Online Banking. The Online Banking bankmail utilizes 128 bit encryption and your unique PIN specifically identifies you and authorizes us to process such request. DO NOT request a stop payment through regular e-mail.

Question: Do I have to be in the military to open an account?
Answer: No, you can be a civilian or military.

Question: How many days will it take for my newly ordered checks to arrive?
Answer: New checks should arrive within 10 - 14 business days.

Questions: Can Minors have their own checking/savings account?
Answer: 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.

Questions: How can I make an account a joint account?
Answer: Both the original signer and the new person added onto the account must sign the signature card. A copy of a valid government issued photo (Military I.D., Drivers License etc.) for the person being added onto the account is required.

Savings Account:

Question: I have lost/destroyed my Savings Bond, can I get a new one?
Answer: Yes, we have the forms to send to the Federal Reserve to replace the bonds.

Question: What is the difference between EE Bonds and I Bonds?
Answer: EE bonds are bought at half the face value and have a set interest rate. I bonds are bought at the full face value and the interest rate varies.

Question: How can I stop my automatic withdrawal to purchase U.S. Savings Bonds?
Answer: If the automatic withdrawal is taken out of your Savings Account then FSNB can stop them. If the bonds are reflected in your LES then you must stop them through your military Finance office.

Online Banking:

Question: Can I transfer funds between my accounts using Internet Banking?
Answer: Yes. By accessing The Online Banking (FSNB's internet banking package) you can transfer funds from one of your accounts to another of your accounts.

Question: If I make a funds transfer on The Online Banking, when will it post to my accounts?
Answer: The Online Banking is a "real time" banking system and all transfers will automatically post to your accounts.

Question: Is there a limit to the amount of funds that I may transfer at one time on The Online Banking?
Answer: Yes. For security reasons, you may only transfer $5,000.00 at a time.

Question: I share a checking account with someone else. Do we both need to enroll or can we share an online account?
Answer: For security reasons, each person must individually enroll. Each person has an individual PIN which uniquely identifies that person and legally authorizes FSNB to conduct bank transfers. Never share your PIN.

Question: Can I use The Online Banking from more than one location?
Answer: You may access The Online Banking 24 hrs. a day, 7 days a week, from any location which has internet access.


Question: When can I receive a Visa Checkcard?
Answer: You can apply for a Visa Checkcard after establishing a checking or savings account with FSNB.

Question: Can you tell me my PIN over the phone?
Answer: No. A signature is required for a PIN to be sent out. If customer picked the PIN then a new card and PIN must be issued.

Question: How do I get a new card?
Answer: With valid address, and customer remembers the PIN then a new card can be mailed out. If customer picked his or her own PIN then a letter or fax is required with a valid address and signature.

Question: Can I have more than one Visa CheckCard?
Answer: No. You are only allowed one Visa CheckCard per person on the account. If you have more than one account you are allowed to have an Visa CheckCard for each account. (savings or checking)

Question: Can I order an Visa CheckCard for my son or daughter?
Answer: Your name must be on the account to order an Visa CheckCard. If your name is not on the account, you can still get information on how to order a new card.

Overdraft Protection:

Question: What is FSNB Overdraft Protection?
Answer: Overdraft Protection is an overdraft limit that is automatically assigned to your account when you complete an Overdraft Protection Request form and establish a deposit relationship. This service can save you money on merchant fees should you make an honest mistake in your checkbook or if you should have an unexpected emergency.

Question: How does FSNB Overdraft Protection work?
Answer: 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 will honor and pay items up to your Overdraft Protection limit, including overdraft fees. However, whether we pay your overdrafts can be discretionary if your account is not in good standing.

Question: How soon can I use my FSNB Overdraft Protection after opening my account?
Answer: 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.

Question: What is the cost for Overdraft Protection?
Answer: There is no cost to have Overdraft Protection on your account. However, when you use your Overdraft Protection your account will be charged a $19.75 overdraft fee for each item.

Question: How do I know when I use the Overdraft Protection limit? What if I go beyond my FSNB Overdraft Protection limit?
Answer: 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.


Access Points

Is my Overdraft
Protection Available?

Does the balance include my Overdraft Protection limit?




Writing a check



ATM transaction with PIN

Yes, If opted in



Yes, If opted in


ACH-Auto Debit



Internet Banking – Inquiry



Internet Banking- Bill Pay



Internet Banking- Transfers



Automatic Funds Transfer



Private Access - 24 Hr Banking



By keeping accurate records and knowing your balance, you can avoid inadvertently accessing your Overdraft Protection and incurring overdraft or return item fees. The best way to do this is to use your checkbook register to keep track of your deposits, checks, withdrawals including service charges, and ATM and CheckCard transactions. Always reconcile your register with your monthly bank statements.

Question: How quickly must I repay my FSNB Overdraft Protection?
Answer: 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.

Question: How can I increase the amount of my Overdraft Protection limit?
Answer: 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.

Question: What if I do not want to have FSNB Overdraft Protection on my checking account?
Answer: 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 $19.75 will be charged per item

FSNB Overdraft Protection should not be viewed as an encouragement to overdraw your account. As always, we encourage you to manage your finances responsibly.

Question: What are some other ways I can cover overdrafts with FSNB?
Answer: The best way to avoid overdrafts and their fees is to manage your account so you don’t 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 set up for this service is required.

For further information, please see the Overdraft Terms and Conditions in the FSNB Deposit Account Information brochure.

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