I received a check in the mail that I was not expecting. How do I know if it is a good check?

Fraudulent checks can cause serious problems. Scammers use them to obtain sensitive information and steal money. They may ask you to deposit the check and send a portion of the funds back to them. If you receive a check from an unknown source, do not cash or deposit it. Contact local authorities if you feel threatened or know it is a fraud. Remember, if the check is fake and you spend the money, you will be held responsible for paying the bank back.

I mailed a check that wasn’t received. Can I stop that check?

Yes, a lost check can be stopped by contacting any Flanagan State Bank branch either by phone or in person. You will need to provide the following information: the check number, date written, amount of the check, who the check is payable to, who signed the check, and the check number if there will be a replacement check. A Stop Payment by phone only is in effect for 14 days. A signed Stop Payment form is in effect for 6 months. The fee for a Stop Payment is $24.00.

Will I receive a monthly statement if my account is at a $0.00 balance?

Yes, a statement will be still issued even if a card has a $0.00 balance in any given month.

I lost my card, but I think it may only be temporary. I would like time to find it, but I want to make sure no charges are made without my knowledge. How do I protect my account?

You can download our “Card Valet” wallet app on your app store, which allows you to turn off your card if it is lost or stolen, or if you won’t be using it for a certain period of time.

I lost my card/my card’s been stolen. What should I do to prevent fraud? How can I order a new card?

To prevent fraud in case of a lost or stolen card, you can take advantage of our “Card Valet” app, which lets you turn off your card or set usage limits. If you need to report a lost or stolen card, simply call 1-855-445-1036 and select “Option 1”. To request a new card, you can email cardapprovals@flanaganstatebank.com or speak to one of our retail bankers who will be happy to assist you.

I will be travelling internationally outside of the United States. Can I use my card while I travel? Is there an exchange fee for using my card outside of the U.S.?

There is no fee for Point-of-Sale purchases made outside of the United States.

Better Banking Ahead

FAQs

Q: Why is Flanagan State Bank undergoing this transition?
A: Flanagan State Bank is committed to providing our customers with the best possible banking experience. The transition involves significant upgrades to our systems, including a brand-new Mobile Banking App, enhanced Digital Banking, upgraded Bill Pay services, and advanced Debit Card technology. These changes are aimed at elevating your banking convenience and ensuring you have access to the latest technology and services.

Q: Will there be any changes to fees or account features as part of this transition?
A: There are no changes to fees or account features directly related to this transition. However, customers may experience improved efficiency and reliability in banking services, which can contribute to a smoother banking experience overall.

Q: How will Flanagan State Bank ensure a smooth transition for customers?
A: Flanagan State Bank is dedicated to making this transition as smooth as possible for our customers. Our team is available to answer any questions and provide assistance throughout the process. We will also communicate important information and updates to ensure customers are well-informed and prepared for the changes.

Q: When will the software upgrade take place?
A: The software upgrade will start on Thursday, July 18th, and continue until Monday, July 22nd.

Q: Will ATM services be affected during the upgrade?
A: Yes, ATM services will be temporarily unavailable on July 18th. Full service is expected to resume on Friday, July 19th, but balance inquiries will not be available until Monday, July 22nd.

Q: When will I receive my new EMV contactless chip, “Tap to Pay,” debit card?
A: Your new debit card is expected to arrive by July 18th via mail, accompanied by activation instructions. Your old card will be deactivated after July 17th.

Q: When will I receive my paper statement after the upgrade?
A: All checking and savings accounts will receive a paper statement as of July 18th. Interest-bearing accounts will receive interest effective July 18th and again at the next scheduled time.

Q: Will Bill Pay services be available during the upgrade?
A: Bill Pay services will be temporarily unavailable from Monday, July 15th through the morning of Monday, July 22nd. Recurring payments will not convert, so please schedule them accordingly.

Q: Is Zelle available after the upgrade?
A: Zelle will be discontinued starting July 15th, 2024. It will not be integrated into our new system, but you can still use the Zelle app separately.

Q: When can I download the new Mobile Banking App?
A: You can download the new Flanagan State Bank Mobile Banking App from Google Play or the App Store on or after Monday, July 22nd.

Q: Do I need to update my account numbers after the upgrade?
A: Your checking and savings account numbers will remain unchanged. However, loan account numbers will be slightly modified. Update your account number with other institutions if you use your loan account number for electronic or online bill payments.

Q: How do I log in to Digital Banking after the upgrade?
A: Digital Banking services will be unavailable from Thursday, July 18th through 9 a.m. Monday, July 22nd. Log in using your existing username and a temporary password (combination of username and last four digits of your tax ID). You can set a new password after logging in with the temporary one.