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FAQs

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1) Q: What is the bank's ABA/routing/transit number?

A: The ABA number (also known as a routing or transit number) is a number that identifies Florence Savings Bank within the national banking system. Florence Savings Bank's ABA number is 211871688 .

2) Q: Where do I find my check number and account number on my check?

3) Q: How do I switch my accounts to FSB?

A: You may call Customer Service at 413-586-1300 and we'd be happy to assist you.

4) Q: How can I protect myself from identity theft?

A: Identity theft involves acquiring someone's personal information (such as a Social Security number) without that person's knowledge, for the purpose of impersonating them to commit fraud.

The best defense against identity theft is knowledge. Learn how to shield yourself from fraud by visiting FSB Fraud Protection .

5) Q: How do I sign up for eStatements?

A: To receive eStatements, first you must sign up for Online Banking . You can fill out our very simple online banking application in just a couple minutes.

Once your Online Banking Service is in place, follow these easy steps to sign up for eStatements:

  1. Log into your Online Banking
  2. Click the "Account Services" tab
  3. Under "Account Tools and Services", click "View eStatement"
  4. Select the account for which you’d like to receive an eStatement and click “Continue”
  5. Read the eSign Agreement and Consent for eDocument Service
  6. Click "Accept"
  7. Each account for which you’d like to receive an eStatement, must be enrolled separately. To return to the View Statement enrollment screen, click the “Close” button, and repeat steps 4-6

Note: If you’ve been receiving one paper statement with multiple account numbers, you only need to enroll the first account number that appears on your paper statement.

If you have any questions or would like to confirm that the steps have been completed, do not hesitate to call us at 413-586-1300 or 800.644.8261.

6) Q: How long will my eStatements be available online?

A: Beginning on March 27, 2013, eStatements will be available online for a period of at least 18 months. After that date, the eStatement archive will begin to build to 84 months. Thereafter, the oldest statements will be deleted, as more recent statements become available through the service.

If you would like to store your eStatements longer, you can save them to your computer or disk. You can also download them. Or, you can always print eStatements along with your check images and file them away in a safe place.

7) Q: How can I arrange for direct deposit?

A: Direct deposit has various setup requirements depending on the type of check being deposited:

Payroll — Contact the payroll department at your place of employment for instructions. Your company will ask you to provide a voided check or deposit ticket, which has your account number and bank routing number on it.

Government — A form 1199A is needed for any direct deposit request for a Social Security or Tax Refund check. The form is available through the applicable government agency, online, or at Florence Savings Bank. The bank must complete a section of the form before it is submitted.

Dividend Checks — Contact the company that issues the tax or corporate dividend check for their specific instructions. The company will request your account number and the bank routing number in order to complete this request.

8) Q: What information do I need to provide in order to receive a wire transfer from a bank located within the United States?

A: Incoming domestic wire transfers require special instructions, must be received in US dollars and are subject to a service fee. Please refer to your fee schedule or contact us if you have further questions regarding this service.

Beneficiary Bank
Florence Savings Bank
85 Main Street
Florence, MA 01062
Routing Number: 211871688

Beneficiary
Your name
Your FSB account number
Your address

9) Q: What information do I need to provide in order to receive a wire transfer from a bank located outside the United States?

A: Incoming international wire transfers require special instructions, must be received in US dollars and are subject to a service fee. Please refer to your fee schedule or contact us if you have further questions regarding this service.

Receiving U.S. Bank
Bankers’ Bank Northeast
300 Winding Brook Drive
Glastonbury, CT 06033

SWIFT: NORHUS33
ABA: 011110617

Beneficiary Bank
Florence Savings Bank
85 Main Street
Florence, MA 01062
Account number: 1005

Beneficiary
Your name
Your FSB account number
Your address

10 ) Q: How can I reorder checks?

A: Checks can be reordered online here , by calling Customer Service at 413-586-1300 or by mailing the reorder slip located in the last booklet of checks to: Florence Savings Bank, P.O. Box 60700, Florence, MA 01062-0700.

11) Q: What can I do if I forget or want to change the PIN on my ATM or Debit Card?

A: Stop by any branch office and a Customer Service Representative will help you create a new Personal Identification Number (PIN) or change your existing PIN.

If you want to change your existing PIN, you may change it at an FSB ATM, by calling 1-800-448-8268, or you can stop by any branch office and a Customer Service Representative will help you change your PIN.

TIP: For security reasons, never write your PIN on your card or keep it in your wallet.

12) Q: What do I do when my ATM or Debit Card is lost or stolen?

A: Contact Customer Service at 413-586-1300 as soon as you realize your card is missing or if you see any unauthorized activity on your account. If you need to report a lost or stolen card after hours, call 800-264-5578 and we will cancel your card immediately to prevent unauthorized transactions.

To receive a new card, stop by any Florence Savings Bank branch to be issued a new debit card. If you would like to order a new card via mail, call the Customer Service Center at 413-586-1300 during regular business hours to have a form mailed to you.

13) Q: How do I dispute a transaction that does not appear to be mine?

A: Each month when you receive your bank account statement you should review the transaction history to make sure that the information is accurate. If you discover a transaction that was made in error, you need to determine the type and dollar amount of the transaction.

If you have questions or would like to report an error, please call Customer Service at 413-586-1300 or stop by any branch office.

You will need to provide detailed information about the transaction (such as the date and dollar amount, debit card number, whether or not the card is in your possession, and whether or not you gave your authorization for the charge). We will then investigate the transaction.

14) Q: What if I need a copy of a check that has cleared?

A: The easiest and fastest way is through our Online Banking . Images of checks that have cleared are available online, free of charge. This includes an image of the front and back of your cancelled checks. You may easily print copies from your home computer.

If you are not an Online Banking customer, call Customer Service at 413-586-1300. A copy of a cancelled check is available free of charge to show proof of payment.

15) Q: Do I need an appointment to apply for a loan?

A: If you would like to apply for a loan in person at a branch office, it is recommended that you call ahead to schedule an appointment. This will allow the appropriate amount of time to complete the necessary paperwork. Lenders are available at each of our branch offices. Simply call 413-586-1300 and we will be happy to direct you to the branch that is most convenient for you to set up an appointment.

You may also apply for a mortgage loan online .

16) Q: What is the difference between available balance and current balance?

A: Current Balance — Your current balance is the amount of money that is actually in your account. The following items will create differences with your check register balance: uncleared checks, ATM deposits, or pending debit card transactions.

Available Balance — Your available balance is your current balance, plus any amount available to you with overdraft protection, if applicable, less any deposits that are not yet available.

Overdraft protection may include available balances from an attached savings account, personal line of credit, and/or any balance available under our Occasional Overdraft Privilege Service (OOPS!) .

17) Q: Are my deposits fully insured?

A: Your deposits in this bank are fully insured, fully protected. The Federal Deposit Insurance Corporation (FDIC) has temporarily increased the coverage amount from $100,000 to $250,000 per depositor through December 31, 2013. All deposits above this amount are covered by the Depositor's Insurance Fund (DIF).

18) Q: How do I change my address?

A: Complete and sign our change of address form and mail the form to us at:

Florence Savings Bank
85 Main Street
P.O. Box 60700
Florence, MA 01062-0700

19) Q: What information do I need to initiate a Domestic (U.S.) wire transfer to another bank within the United States?

A: You will need to provide the following information:

  • Name and Address of the receiving bank
  • The routing number of the receiving bank
  • Name, Address and account number of the customer who will be receiving the deposit

20) Q: What information do I need to initiate an International wire transfer to another bank outside of the United States?

A: You will need to provide the following information:

  • Name and Address of the receiving bank
  • The routing number of the US Corresponding Bank along with that banks information
  • Beneficiary Bank, address, and additional *codes
  • Name, full address and account number of the recipient of the wire
  • In many cases, foreign countries require that the reason for the wire is collected.

* A swift code is always necessary to initiate an outgoing wire internationally. In addition the codes below are mandatory:

COUNTRY REQUIRED ROUTING CODES EXAMPLE
European Countries IBAN CH3500250223051234568T
Australia BSB Code – 6 Digits 012801
Canada Canadian Transit Code – 5-9 Digits 003003019
Ireland Sort Code – 6 Digits 40-53-90
Mexico Mexican CLABE – 18 Digits 021240012345123451
United Kingdom Sort Code – 6 Digits and an IBAN 40-53-90 CH3500250223051234568T