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Find out answers to frequently asked questions here.

Checking FAQs
Savings FAQs
Online Banking FAQs
Cards 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: How do I access my online banking account?

  1. Go to www.fsnb.com
  2. Enter your user id and click Log In.
  3. Enter your password and click Log In.

Question: Can I transfer funds between my accounts using Internet Banking?
Answer: Yes. By accessing FSNB Online Banking 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: FSNB 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 through FSNB 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 password which uniquely identifies that person and legally authorizes FSNB to conduct bank transfers. Never share your log in information or your password.

Question: Can I use FSNB Online Banking from more than one location?
Answer: You may access 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.  These locations can instantly issue Visa CheckCards.

Question: Can you tell me my PIN over the phone?
Answer: A card may be repined at a local FSNB branch for a $1.00 fee. If you are not near a FSNB branch, a written request is required and a $5.00 PIN replacement fee will be applied to your account.

Question: I have noticed a discrepancy on my account. What should I do?
Answer: Contact a Card Services 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.

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: I have lost my card. How do I get a replacement?
Answer: Contact a Card Services Representative at 1-800-749-4583 immediately to have the card closed and review your transactions. In order to receive a new card, a written request is required. This can be accomplished by visiting a local branch, sending a signed fax request, or secure bank mail through FSNB Online Banking. These branches can instantly issue Visa CheckCards. Please note that a $10.00 card replacement fee will be applied to your account.

Question: Can I have more than one card on my account?
Answer: FSNB issues one card per person per account.

Question: Can I make a purchase over the spending limit of $1,500.00?
Answer: Yes. Please contact a Card Services Representative at 1-800-749-4583 so we can 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 $5,000.00, a written request is required.

Question: Why do I have a $1.00 charge on my account?
Answer: Every time a card transaction is denied for insufficient funds, a $1.00 transaction fee is applied to your account. Please verify your balance before attempting transactions.

Question: Why was my account charged $125.00 when I purchased gas?
Answer: When buying gas at the pump, a hold of $125.00 will be placed on your available balance. Once the merchant completes the transactions, the amount of your purchase will post and the hold of $125.00 will fall off.

Question: The ATM did not give me my money but charged my account. How can I get this reversed?
Answer: Please contact a Card Services 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.

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