FAQs
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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 .
Q: How do I switch my accounts to FSB?
A: You may call our Customer Service Call Center at 413-586-1300 to have a Switch Kit mailed directly to you. We'd be happy to assist you.
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 .
Q: How do I sign up for paperless eStatements?
A: To receive eStatements, first you must sign up for FSB link Online Banking . You can fill out our very simple online banking application in just a couple mintues.
Once you have your FSB link Online Banking Service in place, follow these easy steps to sign up for eStatements:
- Log on to FSB link Online Banking from our homepage
- Click the "Account Services" tab
- Click "View eStatement"
- Read the Agreement and Consent disclosure and click "Accept"
- Click "Statements"
- Click on any of your listed statements
Existing FSB customers will have immediate access to their eStatements and will have completed the process.
New customers MUST complete the sign up process by following the above steps online after they receive their first paper statement in the mail.
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.
Q: How long will my eStatements be available online?
A: Statements will be available electronically for a period of at least 16 months. Thereafter, the oldest statements may be deleted as more recent statements become available through the service.
If you would like to store you eStatements longer, you can save them to your computer or disc. You can also download them into most popular financial management software programs. Also, you can always print eStatements and file them in a safe place.
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.
Q: How can I reorder checks?
A: Checks can be reordered online here , by calling our Customer Service Call Center 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.
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.
Q: What do I do when my ATM or Debit Card is lost or stolen?
A: Contact our Customer Service Call Center at 413-586-1300 as soon as you realize your card is missing. If you need to report a lost or stolen card after hours, call 800-264-5578. A Customer Service Representative will assist you. Once notified, we will cancel the card to prevent unauthorized transactions.
To receive a new card, simply call Customer Service at 413-586-1300 during regular business hours and an application will be mailed to you. You may also pick up an application at a Florence Savings Bank branch near you.
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 our Customer Service Call Center 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.
Q: What if I need a copy of a check that has cleared?
A: The easiest and fastest way is through our FSB link 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 FSB link Online Banking customer, call our Customer Service Call Center at 413-586-1300. A copy of a cancelled check is available free of charge to show proof of payment.
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. 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 . Our consumer loan application can also be printed out, completed, and then brought to any branch office, if you find this more convenient.
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!) .
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).
Q: How do I change my address?
A: Complete and sign the online 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
