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FAQ

Here you’ll find answers to some frequently asked questions about banking with us.
 

General Banking Questions and Online Banking

Account - Banking Transition - Name Change
A new online banking solution and mobile banking app is now available from Nebraska Bank (formerly Farmers State Bank). The upgrade makes it easier than ever to access pertinent account and banking information at your convenience. More detailed information about this transition is outlined below.

Account Changes


Will account numbers and routing numbers change?

No. Account numbers and routing numbers will remain the same.

Do direct deposit credentials need to be reconnected?

No. Direct deposit setups do not cross-reference the bank’s name and thus should not experience interruptions.

Does account information stored with third-party service providers relying on connections to personal and/or business accounts need to be updated (examples: TurboTax, Mint.com, QuickBooks, etc.)?

Yes. You will need to reconnect each third-party service to your new online banking profile for security purposes. To do so, log into your online account, then reconnect by signing into your third-party service account and updating account credentials accordingly.

Will there be changes to Kasasa High Interest Checking or Kasasa Cash Back Checking Accounts?

Yes. Effective March 21, 2022, the account names will be changed to NE.Bank High Interest and NE.Bank Cash Back Checking. The statement cycle for both checking accounts is changing from the third Wednesday of each month to the 15th of each month. If the 15th falls on a weekend or holiday, the cycle will end on the Friday before. The qualification cycle for rewards associated with these accounts will end in conjunction with the end of the statement cycle. This will result in the rewards associated with these accounts being issued on the 15th of the month.

Will there be changes to Kasasa Cash Saver & Kasasa Cash Back Saver Accounts?

Yes. Effective March 21, 2022, the account names will be changed to NE.Bank HI Bonus Interest and NE.Bank CB Bonus Interest. The statement cycle for both Bonus Interest (Money Market) Accounts is changing from the third Wednesday of the month to the 20th of each month. If the 20th falls on a weekend or holiday, the cycle will end on the Friday before. The qualification cycle for rewards associated with this account type will end in conjunction with the end of the statement cycle coinciding with the attached rewards checking account on the 15th. The qualification for the rewards associated with these accounts will coincide with the rewards checking account but will be issued at the end of the Bonus Interest Accounts cycle on the 20th of the month.

Will there be changes to any other types of accounts aside from those listed above?

No. If you have a checking, savings, or money market account that does not fall into the above categories (Kasasa High Interest Checking, Kasasa Cash Back Checking, and Kasasa Money Market accounts), you will not experience any additional changes.

Transition Period & Timeline

What is the official date for the name change from Farmers State Bank to Nebraska Bank?

Farmers State Bank became Nebraska Bank on March 17, 2022.

Will there be other changes associated with the name change from Farmers State Bank to Nebraska Bank?

Yes. On March 17, 2022, along with the new name, customers will observe an enhanced technological experience with updated features to online banking, mobile banking and a new website https://ne.bank.

Will there be scheduled downtime for online banking and mobile banking related to this transition?

Yes. There will be a scheduled service outage from Thursday March 17, 2022 at 4:00 pm CST through Monday March 21, 2022 at 9:00 am CST. During this time, account holders will be unable to access accounts online and utilize mobile and online banking services.

Will historical account statements be available after the transition?

Before March 17, 2022, historical statements can be accessed online. Between March 17 and March 21, account holders will need to contact their branch location for assistance. After the transition, historical statements will need to be accessed through a branch location until approximately May, when historical records will again be accessible through online banking.

How far back will historical e-statements be available online in the new system?

Once transitioned to the new system the statement will take approximately 4-6 weeks to load historical e-statements that will go back 18 months from March 2022.

How far back will account transactions be visible online after the transition?

The new system will display all account transactions for the last 18 months the first time the user signs into their new online account.

Do customers need to re-enroll in e-statements after the March 2022 transition?

No. E-statement enrollment carries over to the new online banking system. If, for some reason, this is not the case, the system will prompt the user/account holder to re-enroll the first time they log in.

Will bill payees, scheduled payments, or other details need to be updated for online bill pay?

No. Bill pay information will carry over and users will not need to re-enroll or re-add any payees.

Can payees be set up through the mobile app and online for bill pay?

Yes. Payees can now be set up on a desktop or mobile device by logging into your account.

Online & Mobile Banking

Will my user ID for online/mobile banking stay the same?

Yes. User IDs will stay the same.

Will my password for online/mobile banking stay the same?

As of March 21, 2022, account holders’ passwords will be reset to the last four digits of their social security number or the last four digits of the federal tax identification number of the person under which the account has been created. Users will need to log into the account (online or mobile) to reset the password.

How do I create a new password?

On or after March 21, 2022, users can log into their account by visiting the following link to Nebraska Bank’s website homepage: https://ne.bank and clicking the login button in the upper right corner or via the Nebraska Bank mobile app on a smartphone. Account holders must use the last four digits of their social security number or the last four digits of the federal tax identification number to log into the account. Once logged in, users will be prompted to create a new password.

Will security questions need to be reset when I set a new password?

The new system will no longer utilize security questions for lost passwords. Instead, users will need to set up two-factor authentication.

What is two-factor authentication and how do I set it up?

Two-factor authentication (2FA) is a security process that cross-verifies users with two forms of identification. To set up two-factor authentication, login to the account online or on the Nebraska Bank mobile app and step-by-step instructions will be given to setup via an authentication app or text message.

How often will my password expire?

The password will never expire. One of the only reasons you may need to change the password is if there is a security breach or if you cannot complete the 2FA.

Why is the website not remembering my online banking login, even when I select “remember me?”

Certain cookies or browser extensions can cause the “remember me” check to fail. This occurs when the device ID stored doesn’t match the device ID in the “remember me” cookie as a result of the cookies or extensions on your browser. That device ID is stored in both a cookie and local storage. If it’s missing, it’s recalculated.  Due to the uniqueness of each user's browser setup, there may be instances where your login information is not remembered and must be re-entered.

Where do I go to log in to my account online?

Visit https://ne.bank and click the login button in the upper right corner to access your account online.

How do I download the Nebraska Bank mobile banking app?

Note that you can access the App on or after Monday, March 21, 2022. To do so, open the App Store (Apple device) or Google Play Store (Android device). Select search and enter “Nebraska Bank.” Look for the new Nebraska Bank logo. Select the pertinent app on your screen to download.  Once downloaded, select the app icon from your home screen to open it. Alternatively, you can find the App Store & Google Play links on the https://ne.bank website's Digital Banking page.

How do I log into my account using the Nebraska Bank mobile banking app?

Once the app has been downloaded, select the app icon to open it. You will be prompted to enter your username and password. Enter your existing username and the last four digits of your social security number or federal tax ID number. Once logged in, you will then be prompted to update your password.

Does the new online interface offer mobile check deposit functionality?

Yes. This allows you to use your phone to capture checks remotely and securely transmit the check images for deposit into your account.

How do I deposit a check using my mobile device?

After selecting the mobile deposit feature, the app will access your device’s camera. Place the properly endorsed check on a flat, well-lit surface, ensuring the check is entirely in the frame with no other visible objects or edges. Tap Capture to take the photo and finish the deposit.

Do I need to keep the original check after using the mobile deposit feature?

Yes. Please keep the original check for seven days.

Will the memo for a remotely or mobile deposited check post at the time of deposit?

Yes. It will be memo posted on the account until transactions are processed for the day.

What is the cutoff time for posting transactions using online banking services?

The cutoff time is 5:00 pm MST / 6:00 pm CST.

About the Name Change

Why are you changing the bank’s name?

The new name reflects the bank’s expansion and the evolution of its strategic philosophy over the last 10 years. In short, it better describes the customers and communities we serve—all Nebraskans and the communities they call home.

When does the name change take effect?

As of March 17, 2022, Farmers State Bank will officially be called Nebraska Bank.

Is the bank being acquired or changing ownership?

No. The bank is not being acquired and there is no ownership change.

Will there be personnel and leadership changes?

No. You can expect to see the same friendly faces across our leadership team and at your local branch locations.

How has growth influenced the name change?

Farmers State Bank was originally chartered in 1889 with a single branch location in
Dodge focused on the ag industry. A group of local investors purchased the bank in 2011, expanding it into Bridgeport, Alliance, and Chadron and later into Spencer, Atkinson, Carroll, Hickman and Hemingford. As our footprint has stretched into more metro areas with diverse industries and banking needs, we have encountered unaffiliated banks with similar names and, over time, have seen a disconnect between our name and the scope of clients we serve. Now—with locations across the state and service offerings that extend far beyond agriculture into areas that include commercial, industrial, construction, mortgage, and consumer banking—we are in need of a name that better reflects our customers and communities.

Why is the name change happening in March?

The name change coincides with several technology investments that provide better access, convenience, and service to our customers. Keeping up with the technological advances in the financial industry allows us to continue to provide the highest quality products and services.

What changes will customers see with the enhanced technology?

The biggest updates will be to our online banking and mobile app interfaces. We will provide more specific updates on details like login information, account access, and other pertinent info as the transition approaches.

Will any bank products or services change?

There will be some minor updates to products and services primarily with regard to how those services are delivered. Technology updates will allow us to offer more options, accessibility, and convenience. We will provide more detailed specifics on minor updates to those affected as the transition approaches.

Will there be any changes to the cost of banking or any new or additional fees?

There are no significant changes to fees, services, bill-pay, mobile/online banking, official checks, and other features currently offered by the bank.

How many locations do you have and where are they located?

The bank has nine locations: Eight full-service branches and one loan production office (in Hemingford). Full-service branches are located in Dodge, Bridgeport, Alliance, Chadron, Spencer, Atkinson, Carroll, and Hickman. Hemingford is slated to become a full-service branch in the future.

Do you have branches outside of Nebraska?

Currently we do not have branches outside of Nebraska and there are no plans for expansion into other states.

Will there be changes to the bank’s social media presence?

Yes. Currently we have a Farmers State Bank Facebook page & Nebraska Bank Facebook page. The two accounts will be merging. You will see the FSB page change names first and then the merge will take place. Furthermore, we are currently on Twitter, Instagram and Linked in as Nebraska Bank. Follow us to stay updated on everything banking.  
Does Internet Banking accept direct deposits?

Yes, Internet Banking does accept direct deposits. For more information, please visit our Direct Deposit page within Make A Deposit.


How is interest calculated on my checking account?

Interest compounds and is credited to your account monthly based on your statement cycle.


Can I add a joint owner to my account?

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.


How can I make deposits into my account?

There are many convenient ways you can deposit money into your Internet Banking checking account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services. Note: There may be a delay in fund availability when deposits are made by debiting your account at another institution. Funds will be available on the next business day for local banks and in 5 business days for non-local banks.


How long before my deposit will post to my account?

Your deposits sent via direct deposit, ACH or transferred from another Internet Banking account, generally post to the account on the same business day they are submitted. It is not possible for us to determine how long it will take to receive deposits sent via U.S. mail. All deposits will post on the business day in which they are received. We do recommend that customers verify their account balances prior to initiating any debit transactions.


How can I withdraw funds from my account?

There are several easy and convenient ways you can access funds from your Internet Banking accounts. Write a check. Use your Check Card. Wire transfer funds. Visit any of our ATMs. Use Internet Banking. Request a cashier's check. Visit a branch nearest you.


Will I still receive a statement for my checking account in the mail?

Yes. Our bank sends a monthly statement on all checking accounts. If you do not receive your monthly statement, please call a bank representative for assistance.


Can I order a copy of a past statement?

Yes. To order a copy of a past statement, please call a bank representative for assistance. Any applicable fees will be billed to your account.


How do I stop payment on a check?

A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative for assistance.


Who should I contact if I have problems with my account?

We always want to give you the answers you need, when you need them. So if you ever have a question about your account, please feel free to contact a bank representative.


Do you return my canceled checks?

If you have an account that returns canceled checks, your checking account canceled checks are always returned in your monthly statement.


What if I need to change my address?

To change your address, please contact a bank representative.
CHECKING
Does Internet Banking accept direct deposits?

Yes, Internet Banking does accept direct deposits. For more information, please visit our Direct Deposit page within Make A Deposit.

How is interest calculated on my checking account?

Interest compounds and is credited to your account monthly based on your statement cycle.

Can I add a joint owner to my account?

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

How can I make deposits into my account?

There are many convenient ways you can deposit money into your Internet Banking checking account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services. Note: There may be a delay in fund availability when deposits are made by debiting your account at another institution. Funds will be available on the next business day for local banks and in 5 business days for non-local banks.

How long before my deposit will post to my account?

Your deposits sent via direct deposit, ACH or transferred from another Internet Banking account, generally post to the account on the same business day they are submitted. It is not possible for us to determine how long it will take to receive deposits sent via U.S. mail. All deposits will post on the business day in which they are received. We do recommend that customers verify their account balances prior to initiating any debit transactions.

How can I withdraw funds from my account?

There are several easy and convenient ways you can access funds from your Internet Banking accounts. Write a check. Use your Check Card. Wire transfer funds. Visit any of our ATMs. Use Internet Banking. Request a cashier's check. Visit a branch nearest you.

Will I still receive a statement for my checking account in the mail?

Yes. Our bank sends a monthly statement on all checking accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

Can I order a copy of a past statement?

Yes. To order a copy of a past statement, please call a bank representative for assistance. Any applicable fees will be billed to your account.

How do I stop payment on a check?

A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative for assistance.

Who should I contact if I have problems with my account?

We always want to give you the answers you need, when you need them. So if you ever have a question about your account, please feel free to contact a bank representative.

Do you return my canceled checks?

If you have an account that returns canceled checks, your checking account canceled checks are always returned in your monthly statement.

What if I need to change my address?

To change your address, please contact a bank representative.
 
 
SAVINGS
How is interest calculated on my savings account?

Interest compounds and is credited to your account monthly based on your statement cycle.

Can I add a joint owner to my account?

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

How can I make deposits into my account?

There are many convenient ways you can deposit money into your savings account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services.

How can I withdraw funds from my savings account?

There are several easy and convenient ways you can access funds from your savings account including writing checks (on select Money Market accounts); visit any of the in network ATMs located worldwide; wire transfer funds; use Internet Banking or visit a branch near you.

Can I order more deposit slips and envelopes?

Absolutely! Our bank always provides FREE deposit slips and prepaid envelopes for all deposit accounts.

Will I still receive a statement for my savings account in the mail?

Yes. Our bank sends a monthly statement on all savings accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

Who should I contact if I have problems with my savings account?

We always want to give you the answers you need, when you need them. So if you ever have a question on your account, please feel free to contact a bank representative.
How do I make my loan payment?

There are several options available to make your loan payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.


Are there any penalties for paying my unsecured loan off early?

No. Our bank does not assess any penalties for early payoff. If you would like to make additional principal payments to your loan, please contact a bank representative for assistance.


How will I receive my loan proceeds?

Our bank offers several options to receive your loan proceeds. We can either disburse funds to your checking or savings account, or if you prefer, mail you a check.


How is a variable rate different from a fixed rate?

Fixed rates do not change over the term of the loan. A variable rate, known as a floating or adjustable rate, can change over the term of the loan. Variable rates adjust periodically and are based on a standard market rate outside bank control.


How is a secured loan different from an unsecured loan?

With a secured loan, customers are backing the loan with a pledge of collateral, such as a car or home. With an unsecured loan, also known as a signature loan, the loan is not backed by any collateral.
What types of lines of credit do you offer?

Our bank offers several different line of credit plans to meet your needs. For more information regarding lines of credit, please call a bank representative.


How do I make payments to my line of credit?

There are several options available to make your line of credit payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.


Where do I send my line of credit payments?

Please send your line of credit payments to our main bank location.


Do I have to pay off the outstanding balance every month?

No. You don't need to pay the total outstanding balance on your line of credit every month. However, you will need to make the minimum payment.
What services are available with Internet Banking?

Check your account balances. Confirm which checks, deposits, withdrawals and ATM transactions have cleared. Transfer funds between your Internet Banking checking and savings accounts. Download transactions to financial packages.


What happens if my computer is not working or I cannot get online?

If you do not have internet access, you can also do your banking by phone. You can initiate payments or alter payments with a simple phone call. If you have a PIN (Personal Identification Number) for our phone banking system, you can also use our automated system to transfer funds and check account balances. If you have any questions, please contact a bank representative.


Who do I call if I need help with my Internet Banking service?

If you have questions concerning our online services, please call a bank representative at our main location.


How do I know if a transaction was completed during a system crash?
 
There are a few ways to know if the transaction in question was completed: Look at the account activity on the account from which you performed the transaction. All completed transactions will appear on the Account Summary page. You should have seen a Transfer Preview page displaying a summary of the transaction information. If you clicked the Transfer Now button and received a transaction trace number, the transaction was completed. You can call one of our bank representatives.


If I share a checking account with someone else, do we both need to enroll or can we share an Internet Banking account?

For your security, we require every Internet Banking customer to have a unique User ID. There is only one login and password for any one account.


Can I use Internet Banking from more than one location?

Yes. You can access Internet Banking from any computer with Internet access.


Are my deposits safe?

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor. To learn more about FDIC, visit them online at www.fdic.gov.
How do I refresh the page information?

The Internet Banking site utilizes frames. In a frame environment, the URL in the address bar at the top of your browser doesn't change each time a new page is loaded. If you click on the refresh button, you will refreshing the login page. If you need to refresh the page, simply click on the "Reload Page" link on the top right corner of the browser window.


Why does the left side menu list change?

Certain options, i.e. transactions and statements, are not available until you select an account from the account list page. You will also need to select an account before you can view the list of scheduled transfers.
What if my computer does not have 128-bit encryption?

If your computer does not currently use 128-bit encryption, simply follow the appropriate instructions for your browser listed below. If you have questions or need additional help, call a bank representative and we'll be happy to walk you through the process.



Account Nickname
A name you give an account to make it easier for you to identify.

Accrued Interest
The amount of interest earned to-date on your CD.

Algorithms
A list of instructions used to complete computer tasks.

Annual Fee
The amount we charge you to have a credit card account with us. The fee is assessed once per calendar year. The amount of your annual fee varies based on the type of credit card account you have with us. The annual fee is charged to your credit card account just like any other vendor charge, and appears on your statement in the same billing cycle during which the fee was charged.

Annual Percentage Rate (APR)
The cost of the credit expressed as a yearly rate. It is based on the "finance charge" (which is the dollar cost of the credit) and expresses the dollar cost in terms of percentage cost on an annual basis. The APR is often higher than the interest rate because it is based on the "finance charge" which includes various charges for the loan as well as the interest that will accrue at the contract rate.

Annual Percentage Yield (APY)
A rate that reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

Available Balance
The amount available in your account that you can use right now.

Browser
A browser is a software application that allows Internet users access to World Wide Web (WWW) pages on their own computers. Two of the more popular browser products are Netscape Navigator and Microsoft Explorer.

Business day
Our bank defines a business day as Monday through Friday. All bank holidays are not considered business days. Our Bank holidays are New Year's Day, Martin Luther King Day, President's Day, Memorial Day, Independence Day, Labor Day, Veteran's Day, Thanksgiving and Christmas.

Cookie
A piece of data given to a browser by a web server and handed back to the browser on subsequent visits. We use cookies at login registration and elsewhere when you enter customized information such as your zip code. Recording a cookie at such points makes your online experience easier and more personalized. It also allows us to recognize you as a customer and automate your online experience.

Current Balance
The total of all transactions posted to your account as of the previous business day. Your current balance and available balance may differ.

Current Rate
The percentage rate of interest on an account.

E-mail (Electronic Mail)
Messages, usually text, sent from one person to another via a computer. E-mail can also be sent automatically to a large number of addresses.

Early Withdrawal
The act of taking money from a Certificate of Deposit (CD) before the CD's maturity date.

Early Withdrawal Penalty
The penalty you pay for withdrawing money from a CD before its maturity date. For example, if you have a 5-year CD, but you withdraw the money after only two years, you may be charged a penalty. Refer to your Terms of Agreement for Early Withdrawal.

Encryption
The encoding of a file in order to protect its contents. This entails a word or group of words essentially written in a secret code language - a language useless to anyone but you and your bank, to protect that message from unwanted viewing or tampering.

FDIC Insurance
Each Bank One depositor is insured up to $100,000 through the Federal Deposit Insurance Corporation (FDIC). Bank One deposit products are checking accounts, savings accounts and certificates of deposit only.

Hit
As used in reference to the World Wide Web, "hit" means a single request from a Web browser for a single item from a Web server; thus in order for a Web browser to display a page that contains three graphics, four "hits" would occur at the server: one for the HTML page and one for each of the three graphics.

HTML
Hypertext Markup Language is a language used to create documents and hyperlinks on the Internet.

HTTP
Hypertext Transfer Protocol lets computer users exchange information over the Internet.

Index Rate
A variable interest rate that is tied to an index.

Interest
The amount paid by a borrower to a lender in exchange for the use of the lender money for a certain period of time.

Interest YTD
The total amount of interest you have paid on your loan so far during the current calendar year.

ISP (Internet Service Provider)
An institution that provides access to the Internet in some form, usually for money.

LAN (Local Area Network)
A computer network limited to the immediate area, usually the same building or floor of a building.

Last Statement Date
The last statement date is the date your last statement was processed.

Line of Credit
A loan commitment for a sum of money to be drawn against in increments during a specific period of time, usually under a loan agreement containing all of the terms and conditions controlling the line of credit.

Maturity
A termination date or period of a note. For example, a 30-year mortgage has a maturity of 30 years.

Modem (Modulator Demodulator)
A device that you connect to your computer and to a phone line that allows the computer to talk to other computers through the phone system. Basically, modems do for computers what a telephone does for humans.

Notary Public
One who is authorized by the state or federal government to administer oaths and to attest to the authenticity of signatures.

Online Transfer
The electronic movement of funds from one account to another.

Outstanding Balance
The amount currently owed on a debt.

PDF: Portable Document Format
Portable Document Format (PDF) is a standard file format for distributing electronic documents. Adobe PDF files can be viewed, saved, and printed by using Adobe Acrobat Reader software. The basic Adobe Acrobat Reader software is available for free directly from Adobe.

Pending Payment
A payment that has been scheduled but has not yet been paid. A payment will stay on your Pending Payment list until the scheduled payment date.

Password
A number or character that is used to identify yourself. This should be very unique in order to ensure privacy. We also suggest that your password be changed frequently.

Personal Identification Number (PIN)
Your Personal Identification Number (PIN) is a security code that allows the Internet Banking system to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

Power of Attorney
A legal document that authorizes another person to act, either a specific act or generally, in the stead of the person drawing the instrument, terminable automatically upon the death of either party.

Prime Rate
A benchmark that a bank establishes from time to time and uses in computing an appropriate rate of interest for a particular loan contract.

Recurring Payment
A payment that is for a fixed amount and occurs at regular intervals, e.g., monthly.

SSL (Secure Sockets Layer)
A protocol designed by Netscape Communications to enable encrypted, authenticated communications across the Internet. SSL is used mostly in communications between Web browsers and Web servers. URLs that begin with "https" indicate that an SSL connection will be used. A secure site is one which supports SSL.

Telephone Transfer
The movement of funds from one account to another by phone.

URL (Uniform Resource Locator)
The standard way to give the address of any resource on the Internet that is part of the World Wide Web (WWW). The most common way to use a URL is to enter it into a WWW browser program such as Netscape or Microsoft Explorer.

User ID
Your User ID identifies you when you login to the the bank Internet Banking website.

Variable Rate
An interest rate on a loan that during the term of the loan varies in relationship to some other rate, index or formula.

WWW (World Wide Web)
The universe of hypertext servers (HTTP servers) which are the servers that allow text, graphics and sound files to be mixed together.

Firewall
A combination of hardware and software that separates a Local Area Network (LAN) in two or more parts for security purposes.
Account - Banking Transition - Name Change
A new online banking solution and mobile banking app is now available from Nebraska Bank (formerly Farmers State Bank). The upgrade makes it easier than ever to access pertinent account and banking information at your convenience. More detailed information about this transition is outlined below.

Account Changes


Will account numbers and routing numbers change?

No. Account numbers and routing numbers will remain the same.

Do direct deposit credentials need to be reconnected?

No. Direct deposit setups do not cross-reference the bank’s name and thus should not experience interruptions.
Does account information stored with third-party service providers relying on connections to personal and/or business accounts need to be updated (examples: TurboTax, Mint.com, QuickBooks, etc.)?
Yes. You will need to reconnect each third-party service to your new online banking profile for security purposes. To do so, log into your online account, then reconnect by signing into your third-party service account and updating account credentials accordingly.
Will there be changes to Kasasa High Interest Checking or Kasasa Cash Back Checking Accounts?
Yes. Effective March 21, 2022, the account names will be changed to NE.Bank High Interest and NE.Bank Cash Back Checking. The statement cycle for both checking accounts is changing from the third Wednesday of each month to the 15th of each month. If the 15th falls on a weekend or holiday, the cycle will end on the Friday before. The qualification cycle for rewards associated with these accounts will end in conjunction with the end of the statement cycle. This will result in the rewards associated with these accounts being issued on the 15th of the month.
Will there be changes to Kasasa Cash Saver & Kasasa Cash Back Saver Accounts?
Yes. Effective March 21, 2022, the account names will be changed to NE.Bank HI Bonus Interest and NE.Bank CB Bonus Interest. The statement cycle for both Bonus Interest (Money Market) Accounts is changing from the third Wednesday of the month to the 20th of each month. If the 20th falls on a weekend or holiday, the cycle will end on the Friday before. The qualification cycle for rewards associated with this account type will end in conjunction with the end of the statement cycle coinciding with the attached rewards checking account on the 15th. The qualification for the rewards associated with these accounts will coincide with the rewards checking account but will be issued at the end of the Bonus Interest Accounts cycle on the 20th of the month.
Will there be changes to any other types of accounts aside from those listed above?
No. If you have a checking, savings, or money market account that does not fall into the above categories (Kasasa High Interest Checking, Kasasa Cash Back Checking, and Kasasa Money Market accounts), you will not experience any additional changes.

Transition Period & Timeline
What is the official date for the name change from Farmers State Bank to Nebraska Bank?
Farmers State Bank became Nebraska Bank on March 17, 2022.
Will there be other changes associated with the name change from Farmers State Bank to Nebraska Bank?
Yes. On March 17, 2022, along with the new name, customers will observe an enhanced technological experience with updated features to online banking, mobile banking and a new website https://ne.bank.
Will there be scheduled downtime for online banking and mobile banking related to this transition?
Yes. There will be a scheduled service outage from Thursday March 17, 2022 at 4:00 pm CST through Monday March 21, 2022 at 9:00 am CST. During this time, account holders will be unable to access accounts online and utilize mobile and online banking services.
Will historical account statements be available after the transition?
Before March 17, 2022, historical statements can be accessed online. Between March 17 and March 21, account holders will need to contact their branch location for assistance. After the transition, historical statements will need to be accessed through a branch location until approximately May, when historical records will again be accessible through online banking.
How far back will historical e-statements be available online in the new system?
Once transitioned to the new system the statement will take approximately 4-6 weeks to load historical e-statements that will go back 18 months from March 2022.
How far back will account transactions be visible online after the transition?
The new system will display all account transactions for the last 18 months the first time the user signs into their new online account.
Do customers need to re-enroll in e-statements after the March 2022 transition?
No. E-statement enrollment carries over to the new online banking system. If, for some reason, this is not the case, the system will prompt the user/account holder to re-enroll the first time they log in.
Will bill payees, scheduled payments, or other details need to be updated for online bill pay?
No. Bill pay information will carry over and users will not need to re-enroll or re-add any payees.
Can payees be set up through the mobile app and online for bill pay?
Yes. Payees can now be set up on a desktop or mobile device by logging into your account.
Online & Mobile Banking
Will my user ID for online/mobile banking stay the same?
Yes. User IDs will stay the same.
Will my password for online/mobile banking stay the same?
As of March 21, 2022, account holders’ passwords will be reset to the last four digits of their social security number or the last four digits of the federal tax identification number of the person under which the account has been created. Users will need to log into the account (online or mobile) to reset the password.
How do I create a new password?
On or after March 21, 2022, users can log into their account by visiting the following link to Nebraska Bank’s website homepage: https://ne.bank and clicking the login button in the upper right corner or via the Nebraska Bank mobile app on a smartphone. Account holders must use the last four digits of their social security number or the last four digits of the federal tax identification number to log into the account. Once logged in, users will be prompted to create a new password.
Will security questions need to be reset when I set a new password?
The new system will no longer utilize security questions for lost passwords. Instead, users will need to set up two-factor authentication.
What is two-factor authentication and how do I set it up?
Two-factor authentication (2FA) is a security process that cross-verifies users with two forms of identification. To set up two-factor authentication, login to the account online or on the Nebraska Bank mobile app and step-by-step instructions will be given to setup via an authentication app or text message.
How often will my password expire?
The password will never expire. One of the only reasons you may need to change the password is if there is a security breach or if you cannot complete the 2FA.
Why is the website not remembering my online banking login, even when I select “remember me?”

Certain cookies or browser extensions can cause the “remember me” check to fail. This occurs when the device ID stored doesn’t match the device ID in the “remember me” cookie as a result of the cookies or extensions on your browser. That device ID is stored in both a cookie and local storage. If it’s missing, it’s recalculated.  Due to the uniqueness of each user's browser setup, there may be instances where your login information is not remembered and must be re-entered.
Where do I go to log in to my account online?
Visit https://ne.bank and click the login button in the upper right corner to access your account online.
How do I download the Nebraska Bank mobile banking app?
Note that you can access the App on or after Monday, March 21, 2022. To do so, open the App Store (Apple device) or Google Play Store (Android device). Select search and enter “Nebraska Bank.” Look for the new Nebraska Bank logo. Select the pertinent app on your screen to download.  Once downloaded, select the app icon from your home screen to open it. Alternatively, you can find the App Store & Google Play links on the https://ne.bank website's Digital Banking page.
How do I log into my account using the Nebraska Bank mobile banking app?
Once the app has been downloaded, select the app icon to open it. You will be prompted to enter your username and password. Enter your existing username and the last four digits of your social security number or federal tax ID number. Once logged in, you will then be prompted to update your password.
Does the new online interface offer mobile check deposit functionality?
Yes. This allows you to use your phone to capture checks remotely and securely transmit the check images for deposit into your account.
How do I deposit a check using my mobile device?
After selecting the mobile deposit feature, the app will access your device’s camera. Place the properly endorsed check on a flat, well-lit surface, ensuring the check is entirely in the frame with no other visible objects or edges. Tap Capture to take the photo and finish the deposit.
Do I need to keep the original check after using the mobile deposit feature?
Yes. Please keep the original check for seven days.
Will the memo for a remotely or mobile deposited check post at the time of deposit?
Yes. It will be memo posted on the account until transactions are processed for the day.
What is the cutoff time for posting transactions using online banking services?

The cutoff time is 5:00 pm MST / 6:00 pm CST.

About the Name Change

Why are you changing the bank’s name?

The new name reflects the bank’s expansion and the evolution of its strategic philosophy over the last 10 years. In short, it better describes the customers and communities we serve—all Nebraskans and the communities they call home.

When does the name change take effect?

As of March 17, 2022, Farmers State Bank will officially be called Nebraska Bank.

Is the bank being acquired or changing ownership?

No. The bank is not being acquired and there is no ownership change.

Will there be personnel and leadership changes?

No. You can expect to see the same friendly faces across our leadership team and at your local branch locations.

How has growth influenced the name change?

Farmers State Bank was originally chartered in 1889 with a single branch location in
Dodge focused on the ag industry. A group of local investors purchased the bank in 2011, expanding it into Bridgeport, Alliance, and Chadron and later into Spencer, Atkinson, Carroll, Hickman and Hemingford. As our footprint has stretched into more metro areas with diverse industries and banking needs, we have encountered unaffiliated banks with similar names and, over time, have seen a disconnect between our name and the scope of clients we serve. Now—with locations across the state and service offerings that extend far beyond agriculture into areas that include commercial, industrial, construction, mortgage, and consumer banking—we are in need of a name that better reflects our customers and communities.

Why is the name change happening in March?

The name change coincides with several technology investments that provide better access, convenience, and service to our customers. Keeping up with the technological advances in the financial industry allows us to continue to provide the highest quality products and services.

What changes will customers see with the enhanced technology?

The biggest updates will be to our online banking and mobile app interfaces. We will provide more specific updates on details like login information, account access, and other pertinent info as the transition approaches.

Will any bank products or services change?

There will be some minor updates to products and services primarily with regard to how those services are delivered. Technology updates will allow us to offer more options, accessibility, and convenience. We will provide more detailed specifics on minor updates to those affected as the transition approaches.

Will there be any changes to the cost of banking or any new or additional fees?

There are no significant changes to fees, services, bill-pay, mobile/online banking, official checks, and other features currently offered by the bank.

How many locations do you have and where are they located?

The bank has nine locations: Eight full-service branches and one loan production office (in Hemingford). Full-service branches are located in Dodge, Bridgeport, Alliance, Chadron, Spencer, Atkinson, Carroll, and Hickman. Hemingford is slated to become a full-service branch in the future.

Do you have branches outside of Nebraska?

Currently we do not have branches outside of Nebraska and there are no plans for expansion into other states.

Will there be changes to the bank’s social media presence?

Yes. Currently we have a Farmers State Bank Facebook page & Nebraska Bank Facebook page. The two accounts will be merging. You will see the FSB page change names first and then the merge will take place. Furthermore, we are currently on Twitter, Instagram and Linked in as Nebraska Bank. Follow us to stay updated on everything banking.

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