Personal Banking FAQs

With external transfer service you can move funds to and from your accounts at other U.S. financial institutions.
Standard transfers are available for no charge. There is a $7.50 fee for next-day transfers.

You can open an account from any Frandsen Bank & Trust location. Additionally, you can open your accounts online in about five minutes. Click the Open an Account link in the top-right corner of the website.

The Frandsen Bank & Trust routing number is 091901202.
You can also find this on your checks, in our website footer, via online banking, and in your mobile app.

You’ll have full access to your account through online banking and our mobile app, including mobile check deposit, money transfers, and account alerts.

You can open an account from any Frandsen Bank & Trust location. Additionally, you can open your accounts online in about five minutes. Click the Open an Account link in the top-right corner of the website.

You can use a contactless-enabled card in your mobile wallet on smartphones and smartwatches, such as Apple Pay^? and Google Pay^?.

Your card can be turned off and on through online and mobile banking, as well as by calling your local office. If you’ve misplaced your card, but believe you will find it, we recommend turning it off until it is found.

If your card has been lost or stolen, please report this as soon as possible through online or mobile banking in the Manage Cards area under Report Lost or Stolen. Or, contact your local Fransen Bank.

No activation is needed for your contactless card, just tap and go. If you’re using a mobile wallet, you do need to add your card and verify it first.

Each transaction uses a one-time, encrypted code that protects your card information. It’s just as secure as chip transaction, sometimes even more secure due to limited physical contact.

Look for the contactless symbol (four curved lines) on the front or back of your card. If it’s there, your card is ready to tap.

Within online or mobile banking, click on Manage Cards. In Recent Transactions, select the transaction to view its details. If it was an in-person transaction, you should see a map of the actual location where the transaction took place. If you don't recognize the purchase, reach out to the merchant. If you still have questions or concerns, please contact your local Frandsen Bank & Trust for assistance.

From the login screen, you can reset your password by selecting “Forgot Password.” If you need additional assistance, please contact us.

If a deposit is rejected you will receive an email notice. Deposits may be rejected for a number of reasons, including:

• Missing endorsement

• Duplicate deposit (check has been previously deposited)

• Dollar amounts do not match

• Unclear check image

• Missing legal written amount (e.g. money order, cashier's check and traveler's check)

• Foreign check

Hold on to the check for at least 60 days to ensure it appears properly in your account, then securely destroy it.

Mobile deposit is a secure feature in our mobile banking app that allows you to deposit checks anytime, anywhere, using your mobile device.

Mobile deposit uses the same secure encryption technology as online banking to protect your personal and financial information.

Any check drawn from a U.S. financial institution can be deposited via mobile deposit.
The following items cannot be deposited: international checks, U.S. savings bonds, or postal money orders.

You’ll receive a notification as soon as your latest statement is ready to view. Please call your local Frandsen Bank for assistance

You can update your statement preferences. Please call your Frandsen location for assistance.

eStatements are digital versions of your bank account statements. Instead of receiving them by mail, you’ll get a notification when your statement is ready to view online or in mobile banking.

The default search result for eStatements is six months. To search all four years of history, click the magnifying glass icon in the upper left corner of your eStatements page.

All eStatements are in PDF format, so you can download, save, or print as needed.

Payment delivery varies depending on whether it is sent ellectronically or via check, and if delivery is rushed or not. When you establish your payment, the delivery date options will be displayed.

Bill pay payments can be set up to 365 days in advance. Recurring payments can be scheduled to occur over any period in the future, including indefinitely.

Yes, bill pay can be used with the Health Savings Account. There is a $5.95 non-usage fee if bill pay is not used at least once per month. A month is considered the 15th of the previous month through the 14th of the current month.

There is a $5.95 non-usage fee if bill pay is not used at least once per month. A month is considered the 15th of the previous month through the 14th of the current month.^?

In this instance, recurring payments will be processed on the Friday before the scheduled date.

You can open an account from any Frandsen Bank & Trust location. Additionally, you can open your accounts online in about five minutes. Click the Open an Account link in the top-right corner of the website.

An IRA (Individual Retirement Account) Savings Account is a tax-advantaged account designed to help you save for retirement. Frandsen offers both Traditional and Roth IRA options.

Traditional Individual Retirement Accounts (IRAs) may offer tax-deductible contributions and grow tax-deferred, while Roth IRAs feature after-tax contributions with tax-free withdrawals in retirement (subject to IRS rules).

Early withdrawals may be subject to a penalty. CDs are available in varying term lengths so you can find one that matches your financial goals and avoids early withdrawal fees.

A CD is a savings product that holds a fixed amount of money for a fixed period, earning interest at a set rate. Once the term ends, you can withdraw your funds and the interest earned.

You can start your application with a banker at any Frandsen Bank & Trust location.