Frequently Asked Questions

Our routing number is 081909722.

You may bring a reorder slip or request a reorder at any of our branches. You may also use the Re-Order Checks link under Correspondence in Mobile or Online Banking.

Keeping your info up to date is important. We need to have your current address, phone number and email address. You may request an address change through Mobile or Online Banking under Correspondence > Forms. Your email address can be updated under Preferences. You may also stop by one of our locations or give us a call. We will verify your identity and then make the requested changes.

You will need to bring in your driver’s license reflecting your new name. We will ask that you and anyone on your account sign a new signature card for each affected account.

This is something you may set up with the company that is sending the deposit. You will need to provide the company with your routing number, account number, bank name and possibly a blank voided check or deposit slip. They will inform you of when you will receive your first direct deposit. If you would like assistance in setting up a direct deposit, simply call one of our customer service representatives.

You have two great options. Telephone Banking Is completely free and allows you to call to retrieve your balance as well as recent activity. To use Telephone Banking, call 1-618-965-2000. You will enter your full social security number. If this is your first time to call, you will also be asked to set-up a four-digit PIN to be used for Telephone Banking. Text Banking allows you to text or receive text alerts on your cell phone. FNB does not charge for Text Banking. However, you may wish to check with your mobile carrier to make sure that you will not incur fees for texting on your cell phone plan. Please contact one of our customer service representatives if you are interested in either service.

Your security is of the utmost importance at FNB. We believe that the best defense against online criminals is for us to keep you as informed as possible. We offer a practical set of tips that can help you protect yourself against identity theft. For more information, simply visit our Financial Education page.

Should you need further assistance, please don’t hesitate to contact any of our Customer Service Representatives at any of our locations. Contact Us.

You should notify us as soon as possible in order to close your debit card. Contact Us.
TO REPORT LOST OR STOLEN DEBIT CARD AFTER BANKING HOURS CALL 1-877-226-2351.
If you use Mobile or Online Banking, you can temporarily block your debit card to prevent unauthorized use. Learn more view How to Block and Unblock Debit Cards.

New debit cards are mailed the second week of the month that the card is set to expire.

There are limits placed on all debit cards for your security. These limits are set per day. If you wish to adjust these limits temporarily or permanently, please Contact Us.

If you will be using your debit card while traveling from home, especially if you are traveling internationally, please Contact Us so that we may add a Travel Indicator to your card.

Simply bring your debit card into any one of our branches to change the Personal Identification Number.

The three-digit code shown on the back of your debit card lets merchants know that you’re physically holding the card when you make a purchase online or over the phone. It an extra level of security that helps prevent fraudulent transactions. This code is sometimes called a Card Security Code (CSC), Card Verification Data (CVD) or a Card Verification Value (CVV) among other terms.

Some merchants will preauthorize your debit card to ensure that it is a valid account. It is simply a hold on your account. This hold will remain until the merchant submits the actual amount of the transaction and it posts to your account. Once the actual payment posts, typically within 2-3 business days, the pre-authorization in the amount of $1.00 will come off you account.

Please Contact Us in order to file a claim against a transaction, deactivate your card and issue a new card to you. You can block your card through the Mobile or Online Banking until you are able to contact us.

Chip cards make use of microchip technology, which adds a new layer of security to your card transactions. Each card has a small, square embedded computer chip that makes your in-person debit card transactions safe from criminal hacking and data theft.

The biggest benefit is that each transaction is approved using a unique encrypted authentication code making it far more difficult for unauthorized users to copy or access your card information.

You may use your chip card anywhere that accepts Mastercard. At chip-enabled terminals, insert your card to complete the transaction. At terminals that are not chip-enabled, you will still be able to swipe the card to complete the transaction.

Go to the App store on an Apple device or the Google Play Store on an Android device and search for First National Steeleville. It’s a FREE App.

If you already use Online Banking, you will simply log into Online Banking username and password. If not, click “Not enrolled? Sign up now.” What You'll Need 1. Your Social Security or Tax ID Number 2. Account Number to an account you own 3. Amount of recent transaction from the above account 4. Login Name you would like to use for mobile banking 5. Access to email address previously provided to First National Bank of Steeleville If you’d like some help getting set-up for Mobile Banking, feel free to Contact Us. Our Customer Service Representatives will be happy to help.

You will have the ability to view current balances & recent transactions, transfer funds between accounts, make mobile deposits, block and unblock your debit card, pay bills and much, much more. Learn more view Mobile Banking Overview.

From the Account Summary screen, click on the Account that you’d like access to eStatements for. Under Account Summary Options, select View Statements. Accept the eStatement Agreement. You’ll have access to eStatements and paper statements will no longer be generated. Learn more view Getting Started with eStatements.

From the Account Summary screen click on the Account that you’d like to view the eStatement for. Under Account Summary Options, select View Statements.

After three invalid attempts, your login will be locked. To unlock your login credentials, please Contact Us.

Under Preferences, you will find options to change login name, change password, update email address and add account friendly names.

Let’s start with uninstalling and reinstalling the App. It’s possible you have an older version of the App that needs replaced. If you still need assistance, Contact Us.

Mobile Deposit allows you to take a picture of the front and back of checks drawn on a United States financial institution to deposit into your eligible checking, savings, or Money Market Account via Mobile Banking.

At FNB Steeleville we’re dedicated to protecting your personal information. We use a variety of technologies that help ensure our products and services remain secure, including login credentials and data encryption.

You will need a checking, savings or Money Market Account and be enrolled in Mobile Banking and have our Mobile Banking app downloaded to your mobile device. The device must have the ability to receive text messages and take pictures.

Simply log into Mobile Banking, tap the Mobile Deposit icon and you’re ready to get started. Learn more view Getting Starting with Mobile Deposit.

Checks made payable to the account owner or joint owners that have been properly endorsed with “FNB Steeleville Mobile Deposit Only” and the owner’s signature.

• No 3rd party checks • No jointly payable checks unless both parties are joint owners on account • No stale-dated checks • No returned or re-deposited items • No rebate checks • No altered checks • No previously submitted checks • No foreign checks • No Bonds

Sign the back of the check as usual add the phrase “For Mobile Deposit Only – FNB Steeleville” or check the Mobile Deposit box if one is shown on the back of the check and add “FNB Steeleville”. If the endorsement is incomplete, the mobile deposit will be rejected.

No. A deposit slip is not necessary.

For security reasons there are limits on deposits using Mobile Deposit. These limits vary. Contact Us for more information.

For security reasons there are limits on deposits using Mobile Deposit. These limits vary. Contact Us for more information.

Cutoff time for submitting mobile deposits is 4:00 PM Central Time (Monday through Friday excluding Holidays).

This is a free service offered by First National Bank of Steeleville. The Bank may change the fees for use of Mobile Deposit at any time. For more information see the Mobile Deposit User Agreement. Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.

Upon your receipt of a confirmation from FNB that we have received an image that you have transmitted, you should mark the item as “Electronically Presented”, “VOID”, or otherwise render it incapable of further transmission, deposit, or presentment. You should retain the check for at least 7 calendar days from the date of the image transmission. After 7 days, you should destroy (shred) the check that you transmitted.

You can only mobile deposit one check at a time. If you have two or more checks, you will need to submit each check separately.

If the check is returned for insufficient funds, it will be handled in the same manner as a check deposited at a branch. The amount of the returned check will be debited from the account it was deposited to.

Mobile Wallet is a way to carry your debit card information in a digital form on your mobile device. Instead of using your physical plastic debit card to make purchases, you can pay with your smartphone, tablet or smartwatch.

(1) Download or open the mobile wallet app for your device. Use Apple Pay ®, Google Pay ® or Samsung Pay ®. (2) Add your FNB Debit Card information to the mobile wallet. (3) Authenticate your device and card by receiving a onetime passcode via text or email. (4) When you check out at participating merchants, access the mobile wallet and choose your debit card. If you are making an in-store purchase, just hold your mobile device up to the terminal.

The Wallet has certain security features and procedures to protect you against unauthorized use.

You can enroll online from our Home Page by clicking Online Banking and then finding the link “Not enrolled? Sign up now.” What You'll Need 1. Your Social Security or Tax ID Number 2. Account Number to an account you own 3. Amount of recent transaction from the above account 4. Login Name you would like to use for online banking 5. Access to email address previously provided to First National Bank of Steeleville If you’d like some help getting set-up for Online Banking, feel free to Contact Us. We’re happy to help.

Go to the App Store on an iPhone device or Google Play on an Android device to download our free Mobile Banking App. Typing the word "Steeleville" in the app store will immediately take you to our app. You will then be able to enroll. If you’re already using Online Banking, you will simply login using the same username and password.

Once you are locked out, you will need to contact a Customer Service Representative to be reset. Contact Us. We will assist you in gaining access back into your Online Banking.

You have two options: you may receive a text or email.

Should you have any questions or you would prefer to have assistance with your Online Banking login, please don’t hesitate to contact our Customer Service Representatives at any of our locations. They’ll be happy to help.

It is our commitment to keep your accounts safe. The login authentication procedures used for each login comply with the best industry practices on how to protect you and your information.

Contact Us if you would like access to external transfers. We add access so that you will be able to transfer funds between the accounts you wish. Learn more view How to Use External Funds Transfer.

From the Account Summary screen, click on the Account that you’d like access to eStatements for. Under Account Summary Options, select View Statements. Accept the eStatement Agreement. You’ll have access to eStatements and paper statements will no longer be generated. Learn more view Getting Started with eStatements.

From the Account Summary screen click on the Account that you’d like to view the eStatement for. Under Account Summary Options, select View Statements.

You can export transaction history to Quickbook ®, Quicken ®, MSMoney® or in a comma delimited format.

Under Preferences, you will find options to change login name, change password, update email address and add account friendly names.

A secondary user is an individual that you choose to setup with login credentials to gain access to some or all of your accounts that you view online. You may choose whether you would like them to be able to view specific accounts, have the ability to transfer between FNB accounts, view eStatements and use BillPay. If you are interested in having a secondary user(s), please Contact Us to get started.

There are a couple of tutorials on our website you might want to check out. Click here for a list of tutorials.

Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.

Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

As long as you maintain your account in “good standing”, we will approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy.

For Bounce Protection consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 days (including the payment of all fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account.

Please note that the amount of the overdraft plus our paid item OD fee of $25 for each item (up to the daily maximum) will be deducted from your overdraft limit. If the item is returned, the returned item NSF fee of $25 will be deducted from your account. No interest will be charged on the overdraft balance.

Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts. Free Checking…………………………………$500 Smart 50 Checking…………………………$500 NOW Account………………………………..$500 Money Market Account…………………$500

You will receive an overdraft notice in the mail each time items are paid. The notice will show the check number or item description, amount, and the paid item OD fee. You will need to subtract the total fees when balancing your account.

Overdrafts above and beyond your established limit may result in checks or other items being returned to the payee. The returned item NSF fee of $25 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid or returned.

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from us informing you that your Bounce Protection has been suspended and additional items will not be paid. If your limit is suspended, unless we notify you otherwise or you request the service be removed from your account, your limit may be made available to cover overdrafts again the first business day after you bring your account to a positive end-of-day balance.

There is no additional cost associated with this privilege unless you use it. You will be charged our paid item OD fee of $25 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfer or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in $75 in paid item OD fees. The maximum daily OD fees is $125. To help you manage your account, the total fees you paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

Generally, you may access your Bounce Protection through: Checks and other debits cashed at teller windows ACH debit transactions Checks issued to a third party Recurring debit card transactions At your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. Call or visit one of our branches to arrange for your ATM and debit card coverage. Contact Us.

If you are a new account holder, you may be able to use your Bounce Protection service 30 days after the account is opened, assuming you demonstrate responsible account management by making regular deposits that total a minimum of $500, maintain your account with a positive balance, and there are no legal orders, levies, or liens against your account.

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, ACH payments, debit card purchases, and ATM withdrawals in your check register, reconcile your checkbook regularly and manage your finances responsibly. Other suggestions may be found on our Financial Education page.

Please contact us if: you do not believe you will be able to bring your account to a positive end-of-day balance within the required time period; find that you are using Bounce Protection more often than you intend; or don’t understand why your account becomes overdrawn

If you would like to revoke your previous authorization for ATM and debit card transaction coverage, or have this service removed entirely from your account, please contact us.

Prequalification is a rough calculation of the mortgage payment you can afford based on information you provide to your Loan Officer. Preapproval means you’re essentially ready to start shopping for a house as you have formally applied for the mortgage and we’ve determined that you are eligible for a mortgage of a certain amount.

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes such as home improvements or debt consolidation. A refinance can also be useful tool to lower your payment, shorten your amortization, or lower your interest rate. Any of our loan officers can take a look at your situation and help create a plan to reach your desired goals.

When applying for a home mortgage, you’ll need to provide original copies of the following items: • Full federal tax returns with W2s from the last two years • Two most recent paystubs for each borrower • Bank statements for the last two months • Color copy of driver’s license for each borrower • Self-Employed borrowers – Business tax returns from the last two years and YTD profit and loss statement • Retired borrowers – Social security award letter and other pension/retirement income verification if necessary. • If applicable, copies of bankruptcy discharge, divorce decree or support orders

Talking to your lender first can save you the time and frustration of finding a house that you can’t afford. By speaking to a lender early in your home buying process, you can find out what you can afford in a house and get prequalified and preapproved. Your lender can also help answer questions about the steps you can take to improve credit or increase savings in order to be better prepared for home ownership.

Yes. We make loans on many different types of property including recreational ground, farm ground, vacant residential lots, as well as many types of commercial property.

Yes. We offer construction loans for new construction as well as large home improvement projects.

We do offer VA loans but are not currently an FHA lender.

Yes. You can conveniently make your mortgage payment online.

Yes. We’ll be happy to set an automatic transfer from you checking account.

Closing costs on a mortgage vary by loan type but generally include origination fees, appraisal and home inspection fees, title company fees, flood certification. Your loan officer can give you a more specific list of fees based on your circumstances and the type of loan transaction you’re interested in.

Once your auto loan is paid off, the title will be mailed to you within 10 business days after the final payment has been received. If you need your title sooner, please Contact Us.

Yes! We welcome the opportunity to pre-approve your auto loan application before you start shopping. To get pre-approved stop by any of Our Locations.

Full coverage insurance is required on any vehicle that is financed with us for the life of the loan. If you have financed a vehicle with us, please contact your insurance provider and request that First National Bank of Steeleville be listed as the Loss Payee: First National Bank of Steeleville P O Box 97 400 W Broadway Steeleville IL 62288

If you need to change a due date on your loan, please Contact Us, send a secure message within Mobile or Online Banking, or visit any of Our Locations.

Yes. We make loans on many different types of property including recreational ground, farm ground, vacant residential lots, as well as many types of commercial property.

Yes. We offer construction loans for new construction as well as large home improvement projects.

We do offer VA loans but are not currently an FHA lender.

Yes. You can conveniently make your mortgage payment online.

Yes. We’ll be happy to set an automatic transfer from you checking account.

Closing costs on a mortgage vary by loan type but generally include origination fees, appraisal and home inspection fees, title company fees, flood certification. Your loan officer can give you a more specific list of fees based on your circumstances and the type of loan transaction you’re interested in.

A safe deposit box is a convenient place to store important items that would be difficult or impossible to replace. A box also helps offer privacy and security.

Any personal items that would cause you to say, “If I lose this, I’m in deep trouble”. Some of your important documents are best kept in a safe deposit box. To help you identify some of these key items, please refer to the following list. Personal Records: Social Security cards Birth certificates and adoption paperwork Marriage license and divorce decrees Death certificates Military records/award Vehicle titles/lease agreements Real estate property deeds and warranties Bank and investment account numbers Household inventory Photographs and/or video of your home’s content Diploma/degree and academic transcripts Business Records: Articles of Incorporation TIN By-laws and Charters Trademark and Copyright paperwork Tax Returns Blueprints Legal Records: Copy of Passports Copies of Driver’s Licenses and other valuable items in your wallet List of debit cards and credit card Copy of insurance policies (Life, Home, Renters, etc) Copy of Power of Attorney Copy of Wills and Trusts Tax returns Electronic Records: Family photos Hard drives/flash drivers/DVDs Digital documents Valuables: Stocks/bonds Coins, jewelry or other family heirlooms Collectibles Other hard to replace items

Anything you might need in an emergency, in case the bank is closed for the night, weekend or holiday. Possible examples: original of a “power of attorney” (your written authorization for another person to transact business on your behalf), passports ( in case of an emergency trip), medical-care directives if you become ill or incapacitated, and funeral or burial instructions you make. Make copies to go into your safe deposit box.

Annual rental rates vary depending on the size of the box. Click here to see box sizes and rental rates. For your convenience, the annual rental may be automatically deducted from any checking or savings account you have with us.

To ensure that you rent the right size box, it is recommended that you bring your items with you.

Keep your two safe deposit box keys apart from each other and in safe places (not with your house or car keys or in the safe deposit box). Don’t keep your keys on a key ring or in an envelope that would indicate the bank’s name or the location of your box. Give your extra key only to someone you trust. If even one of your keys is lost, notify the bank immediately. If both keys are lost, you should get a new box and be prepared to pay to have the old box drilled open.

While contents of a safe deposit box are not FDIC insured, the boxes are monitored by security systems within the branch. As an added layer of security, it takes two keys to open the box. One key is held by you and a different key is held by the bank. Only owners, joint owners or authorized persons such as a deputy or agent will be allowed access to your box. Anyone requesting access to your box must sign an entry card.

While we cannot guarantee that your box is fully protected from fire, flood or other disasters, safe deposit boxes and the vault that house them are made with highly resistant materials to help combat disasters.

You can help prevent water damage by sealing items in airtight bags or containers. You may also want to keep a list of the contents included in your box, put your name on each item and make copies or take photos of important documents and items.

No. FDIC only insures deposits in deposit accounts at insured financial institutions. A safe deposit box is strictly a secure storage space provided by the bank.

We suggest that you consult with your tax advisor to determine if your safe deposit box fees can be tax deductible.

Yes. You can jointly rent your safe deposit box with a spouse, child or other person who would have unrestricted access to the safe deposit box both during your life and after your death. The additional renter(s) must sign the bank’s rental contract as a co-renter. An alternative is to appoint a deputy or agent who will have access to your safe deposit box. A deputy or agent is appointed in your presence and that of the other joint safe deposit box renter(s), if any, and a bank employee. Only a co-renter, an executor or executrix of your estate or a legally appointed trustee will be allowed to open your safe deposit box at the time of your death without any complicated red tape. A power of attorney loses authority to act on your behalf upon your death.

Yes, but only if you don’t pay your rental fee for a number of years and after attempts to notify and locate you prove unsuccessful. In that case, the box will be reported as abandoned to the state’s unclaimed property office. Often this happens because the renter dies and the heirs have no knowledge of the box or its contents. The good news is that even if the content has been sold, you or your heirs still have the right to claim it’s value. To contact the State of Illinois Unclaimed Property Office, go to https://icash.illinoistreasurer.gov/.